{"took":676,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":18,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8048079","_score":17.316372,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Financial Pacific Leasing ( FPL ) violated 12 CFR 1026.4 ( B ) ( 8 ) which talks about premiums for insurance against loss or damaged property. The GAP insurance on the retail installment contract is not included in the finance charge. This charge was added to the account after I signed the contract and was involuntary drawn ( ACH ) from my account in addition to Maryland Commercial Vehicle and Business Insurances being maintained. \n( FPL ) violated 16 CFR 433.1 ( f ) which mentions what a \" contract '' is and that is between the seller and the creditor. The retail installment contract, nor Oral contracts, that is linked to account is not with Financial Pacific Leasing, they were with XXXX therefore there should be no obligation to pay Financial Pacific Leasing since XXXX was already paid on this contract. I am aware they call every year since I Indorsed for two vehicles, to see if im ready to Indorse another vehicle.\n\nFinancial Pacific Leasing violated 12 USC 83 which states no association shall make any loan on its own stock. ( FPL ) violated Maryland title 12 102 which states the maximum amount interest that can be charged is 6 %. Any rate above 6 % in the state of Maryland is considered usurious. On account we are contracted for 60 % of the total cost of Fair Market Value. The Vehicle was {$42000.00} and they would not finance me until I agreed to add to {$25000.00} to the Loan ( XXXX ), Orally. I assume the collateral security attached to this account was sold to Financial Pacific Leasing. Which Financial Pacific Leasing hired an attorney and repossessing the vehicle through the courts, when in reality the contract was paid through performance. I have a counterclaim in the Federal Courts as all my motions to vacate the judgement have been denied representing Pro Se. I attempted to settle the matter out of court, however I am at a lost at this point and damages are adding up daily as this vehicle is means of feeding my boys.Violating Title 42 USC 1983 under the color of Law. I was not made aware of our rights when doing business with greedy, manipulative people and companies. The Hardship I am experiencing is the Lesson. how do I standup to fraud? Read, there is an answer to how can you do this to me and get away with it!? Aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by Financial Pacific Leasing and XXXX to rescind only the illegal parts of this contract. They never responded, in lieu, filed a sue against me upon which they won as I was not served the legal documents upon which they are suing.","date_sent_to_company":"2023-12-22T22:48:55.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"212XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8048079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COLUMBIA BANKING SYSTEM, INC.","date_received":"2023-12-22T22:04:33.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["I attempted to settle the matter out of court, however I am at a lost at this point and damages are adding up daily as this vehicle is means of feeding my boys.Violating Title 42 USC 1983 under the color of <em>Law</em>. I was not made <em>aware</em> of our rights when doing business with greedy, manipulative people and companies. The Hardship I am experiencing is the Lesson. how do I standup to <em>fraud</em>? <em>Read</em>, there is an <em>answer</em> to how can you do this to me and get <em>away</em> with it!?"]},"sort":[17.316372,"8048079"]},{"_index":"complaint-public-v1","_id":"2727775","_score":12.025469,"_source":{"product":"Debt collection","complaint_what_happened":"Hi NORDSTROM CLOSED MY ACCOUNT. I 'VE LEARNED TO START WITH COMPANIES LIKE CFPB RIGHT AWAY BEFORE 30DAYS FROM NOW ON. \n\nEVERYTHING IS DOWNLOADED STARTING XX/XX/XXXX TO XX/XX/XXXX- RE : CLOSED CREDIT CARD IN MIDST OF UNRESOLVED CHARGES. WITH XXXX XXXX IN CUSTOMER RELATIONS FOR 1YEAR VIA PHONE AND EMAIL. \nRESULTING IN HORRENDOUS DAMAGE TO MY CREDIT SCORE. IT  WAS AGAINST MY WILL AND FORCED UPON ME DUE TO THERE NEGLIGENCE. \n\nXXXX XXXX DOWNLOADS START WITH XXXX CANCELATION OF XXXX SNEAKERS EMAILED TO ME FROM NORDSTROM-1ST REP ACCUSED ME OF HAVING ITEM. \n\nHAD TO CALL OHIO AND REPORT-WASNT WARE UNTIL XX/XX/XXXX XXXX XXXX WAS'NT MANAGEMENT. THEREFORE, MANAGEMENT XXXX XXXX ADMITS IN MEMO YOU WILL READ SHE WAS AWARE OF XXXX XXXX YEAR LONG HANDLING OF MY ISSUE BEFORE THEY AUDACIOUSLY CLOSED CREDIT CARD AND DAMAGED MY CREDIT. \n\nNORDSTROM COULD NOT LOCATE CANCELATION ON THERE END EITHER- TOLD ITEM WAS RETURNED-WOULD NOT REMOVE FROM ACCOUNT- XXXX XXXX XXXX LOCATE IT EITHER NO ONE MADE NO SENSE TO ME. I KNEW IT WAS CANCELED. LOW AND BEHOLD MY NEICE FOUND EMAIL. \n\nFORWARDED TO XXXX. PRIOR TO THAT XXXX RESOLVE WAS CREDIT. I WANTED AN ANSWER. NOT LOCATING A TRANSACTION WAS VERY CREDIBLE FOR ME. THIS WAS NORDSTROM. \n\nXX/XX/XXXX. AND XX/XX/XXXX ORDERED KEPT RETURNING 3 PAIRS OF BLK 1 MAUVE XXXX XXXX SHOES-THEY WERE USED, VISIBLY WORN, STORE WAS AWARE- XX/XX/XXXX RECEIPTS WITH TRANSACTION NUMBER {$33.00} DISCOUNT AMT INFORMATION I TRANSCRIBED TO XXXX XXXX- XX/XX/XXXX LIST XXXX SENT ME STILL SHOWS {$42.00} XXXX SHOES NOT DISCOUNTED. \n\nXX/XX/XXXX {$45.00} BODY SHAPER PURCHASED IN XX/XX/XXXX TOLD TO XXXX VIA PHONE AND EMAIL DOWNLOADED SEVERAL TIMES CONSTANTLY IN XX/XX/XXXX AND XX/XX/XXXX ON XX/XX/XXXX LIST SHE SENT ME. BUT THEY DAMAGE MY CREDIT. \n\nXX/XX/XXXX MY RECEIPT CANCELATION OF XX/XX/XXXX XXXX FROM NORDSTROM I HAD TO EMAIL TO XXXX. PROOF OF THERE INCOMPETENCE FAILURE TO LEGALLY CORRECT DISCREPANCIES IN TIMELY MANNER. \n\nXX/XX/XXXX REDUNDANT DISCUSSION WITH XXXX. RETURN ITEMS STILL FROM LAST YEAR STILL ON MY CARD. MARKDOWNS ARE N'T BEING DONE REPORTING EACH ITEM TO XXXX. MONTHS WOULD PASS. IF I DID'NT STAY ON XXXX SHE WOULD NOT DO HER JOB. \n\nAT STORE WITH RECEIPT IN HAND, MAN IN WHEEL CHAIR CAN NOT PULL UP RECEIPT AT ALL. RECEIPT IS LEGIBLE, I 'M A PROFESSIONAL, WELL DRESSED, NO DECEPTION IN MIND, VERY EMBARRASSED WAITING. HE HAD TO FORCE RECEIPT TO DO RETURN. REPORTED TO XXXX. \n\nCALL IN MARKDOWN ARE BE OMITTED. WHEN DISCOVERED REPORTED TO ITEMS XXXX. BLACK MAXI DRESS, DENIM JUMPSUIT ETC. ITEMS LISTED IN MEMO 'S MONTH AFTER MONTH AND TOLD TO XXXX. STILL ON HER XX/XX/XXXX LIST TO ME. AFTER THEY CLOSE MY CARD? \n\nXXXX STORE RETURN REPORTED TO XXXX ANOTHER ITEM XXXX TEE SIZE NOT FOUND RECEIPT IN HAND. CASHIER WAS REFUSING TO TAKE, HAD TO CALL CORPORATE. CASHIER HAD TO DO WHATEVER TO RETURN ITEM. NO FRAUD GOING HAPPENING ON MY BEHALF. SERIOUS EMBARRASSMENT. HOW IS THIS HAPPENING CLEARING ON THERE END MY THOUGHTS  ARE. \n\nXX/XX/XXXX MORE INCORRECT INFORMATION FROM XXXX WHICH I TAKE RESPONSIBILITY FOR BECAUSE AFTER 30 DAYS THIS WAS TO BE STOPPED. XXXX XXXX AND THEE ENTIRE STAFF AT NORDSTROM KNOWS I THEY PASSED TIME REGULATED BY LAW TO RESOLVE WHAT YOU WILL FURTHER SEE. \n\nXXXX XXXX AS YOU WILL SEE IN DOWNLOADS AND MEMOS AFTER THE AUDACITY OF XXXX XXXX AND XXXX XXXX TO THINK A POLICY IS IN PLACE AT NORDSTROM TO NOT RESOLVE MATTERS ON CONSUMERS CREDIT CARD FOR 1 YEAR, GET ANGST AND CLOSE IT BECAUSE YOU FEEL 1 YEAR WAS TO MUCH TIME WELL LET CFPB AND OTHERS DECIDE. \n\nTHIS WAS ILLEGAL FOR NORDSTROM TO ALLOW THIS TO GO ON. I BEFRIENDED AND WAS PATIENT WITH XXXX XXXX AS SHE DID NOTHING BUT CHARACTER ASSASSINATE ME, BRUSHED THINGS, MARKDOWNS, RETURNS ETC, UNDER RUG AND THREW MY CASE THE SIDE. \n\nIT 'S PREJUDICE AND BIAS FOR ANY COMPANY TO THINK THEY HAVE POWER TO RUIN PEOPLE OUT OF SPITE OR WANTING THEM TO JUST GO AWAY. \nNO NORDSTROM I WAS FAIR, PATIENT, KIND AND GOT PLAYED. JOKES ON YOU NOW. THIS IS AGAINST THE LAW. \n\nI HAVE EVERY CALL AND EMAIL WITH YOU XXXX. \n\nCONTACT ME FOR FURTHER INFORMATION XXXX I HAVE A MULTITUDE TO PROVE GROSS VIOLATION OF MISTAKES NORDSTROM WOULD NOT ADMIT TO. \nXXXX WORDS ARE THEY SPENT HOURS TRYING TO SATISFY ME!!!! HA NO THEY TOOK A YEAR TO CALL ME AFTER I CALL THEM -- PICK UP WERE I LEFT OF!! - XXXX XXXX ALLLLWAAAYS!!! ASKED ME TO RESEND MY INFORMATION!!! \nI HAVE WITNESS ON WITNESS TO THAT. \n\nXXXX XXXX WAS NEGLIGENT LOST OR MISPLACED HAD LITTLE CONCERN WHICH WE FIND BIAS DAMAGING MY CREDIT DUE TO HER INCOMPETENCE- ASK XXXX AND XXXX WHAT GAVE THEM THE RIGHT TO TAKE 30, 60 OR 90 TO COMPLETE? \nWHY DID I HAVE TO RESEND INFO SHE DILIGENTLY AS XXXX XXXX SAT BESIDE XXXX LISTENING AND WATCHING HER SPEND HOURS THAT TOOK A YEAR.? \nWELL AS XXXX STATED SHE DID SO IN MEMO SHE 'S LIABLE FOR XXXX SINCE XXXX HER SUBORDINATE. \n\nTHE RESOLUTION IS NEVER TO SIMPLY BE MALIGN, INJURIOUS TO ANYONE OTHER THAN CREDIT MONEY NORDSTROM FRAUDULENTLY WAS IN THE HABIT OFF PLACING ON MY CARD THINKING IT WOULD GO UNNOTICED. \n\nI HAPPEN TO BE AN HONEST AND THOROUGH CONSUMER. NOTHING IS AGAINST THE LAW BEING THAT WAY. I WANTED TO PAY THE REST OFF MY DEBT. \nNOT THE ENDING HOSTILE, UNSYMPATHETIC, UNFRIENDLY, COLD ENDING IMPOSED ON ME BY EVERYONE I SPOKE TO.","date_sent_to_company":"2017-11-13T06:30:07.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"07205","tags":null,"has_narrative":true,"complaint_id":"2727775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2017-11-13T03:43:30.000Z","state":"NJ","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["NO <em>FRAUD</em> GOING HAPPENING ON MY BEHALF. SERIOUS EMBARRASSMENT. HOW IS THIS HAPPENING CLEARING ON THERE END MY THOUGHTS  ARE. \n\nXX/XX/XXXX MORE INCORRECT INFORMATION FROM XXXX WHICH I TAKE RESPONSIBILITY FOR BECAUSE AFTER 30 DAYS THIS WAS TO BE STOPPED. XXXX XXXX AND THEE ENTIRE STAFF AT NORDSTROM KNOWS I THEY PASSED TIME REGULATED BY <em>LAW</em> TO RESOLVE WHAT YOU WILL FURTHER SEE."]},"sort":[12.025469,"2727775"]},{"_index":"complaint-public-v1","_id":"15153446","_score":9.679602,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is the message I sent to Becu but it comes bouncing back from their email accounts : Hello, Im reaching out a third time to discuss the dispensaries within my account but using a more secure email address and another email of mine to make sure this goes through. \n\nMy name is XXXX XXXX, I live in XXXX and my mailing address is XXXX XXXX XXXX XXXX. I believe that should br sufficient enough to pull up my account as Ive included an audience in an attempt for action and resolution asIvecontinuously been ignored by BECU via email and belittled in person, my assumption being this was used as tactic to reduce the significance involved in the lack of accountability and action for resolve. \n\nThere seems to be miscalculations within certain charges in my BECU account that encompasses the past 10 years of my account. Ive gone to the bank in person to go over time charges and they basically turned me away saying I should contact the company charging my account but had no explanation as to why the numbers dont align with the numbers in their system. \n\nIm sending this information to log and make sure BECU is aware of the issue Ive been having for a continuous amount of time and tried to remedy this issue numerous occasions. While looking over some IRS documents online that I actually havent seen in person, this lead me to believe my account has been compromised in a time where I wasnt receiving proper notice as I was in college at the time wasnt receiving proper statements. This making me an easy target for identity theft and fraud but this subject is in relation to the lack of accountability and acknowledgment Ive yet to receive from BECU amd the entirety of their staff. So I will once describe and then show you exactly what had happened and is happening. \n\nLast year I went into to talk about specific charges. I looked up the company called XXXX and noticed a {$3600.00} in XXXX charges but the total read {$4000.00} leaving a gap of {$350.00} unaccounted for. The employee said they have no explanation. Every single branch i called into to go to, this man happened to be working. Not only was it strange but I couldnt get anything resolved because he always had the same answer, he just didnt know. This is just one example out of many. \n\nI went into the branch in XXXX XXXX in XXXX XXXX and was told the retention period they keep for transactions is 7 years providing 2 extra years from federal law ( 5 years ). As I had a conversation with who seemed like the supervisor of the XXXX XXXX branch around mid XXXX I mentioned that by using the BECU branded app, I could see transaction they go 10 years back. She had no idea that was possible on the BECU app. \n\nShe couldnt help as the transaction I was looking for just missed the mark as it shouldve been around XXXX of XXXX called to report suspicious activity on my account and I asked the person I was connected to when calling the fraud department about this certain transaction. In full confidence she dated a transaction from XXXX of XXXX. This went further than even the 10 year retention period. So Id like to know, is it possible to look further into my account that outlive retention periods that even in person staff are unaware of? The system I see versus the system on the banking side do not seem to match as I just called a member of the fraud department just a few moments ago detailing recent transactions concerning my credit card. As I went through them, the staff member was unable to see the same transactions. The reports can be viewed in XXXX different ways. Directly through desktop, downloaded as a report and through the BECU app. The inconsistencies between the XXXX can be unnoticed if youre focusing on just one form of statement to manage your account. \n\nThere shouldnt be any discrepancies. \n\nIve emailed member services twice reporting this problem and the issues with my account as I believe this issues started to arise around XXXX. Ill be able to see IRS records soon to confirm details but there are discrepancies in my account that have been continuously ignored. These recent ones small but over the course of 10 years, this can grow. \n\nI will attach the small statements and then I will show you the amount of money stated in the same 10 year retention period. \n\nThis video summarizes my earnings for a 10 year period from present day XX/XX/XXXX back to XX/XX/XXXX. My total earnings from that period add up to {$310000.00} if I use the income filter within transactions. Now when using the Spending option to view the same time period of transactions it states an income of {$310000.00}! most likely rounding up. \n\nThe transaction spent on record stated for the same time frame is {$280000.00}. \n\nAn unaccounted for {$31000.00} rounding up that is missing from my account. Especially since now I have less than {$100.00} within the checking and Savings combined and a credit card that seems to double charge me on interest. \n\nClearly these numbers dont add up. \n\nThis is obviously a significant amount of money that is unaccounted for and Ive gone in to the branch in XXXX, XXXX XXXX, XXXX ( coincidentally the same employee was working each day I made appointments for these various locations to talk over my account overview ). After seeing him again at the XXXX branch I asked requested a different staff member who ended up getting irritated with me as I complained about the BRCU app thay she claimed to have a part in developing. She suggested O visit the main branch in XXXX. \n\nNone of these occasions made any attempt at answering any questions and actively avoided that there may be any instance with the tampering of my account. I was even given an email because I had issues downloading statements as it came out illegible, instead of a report it was just random numbers and random fonts of all kind. I sent the statements to someone that was supposedly directed to a specialist on the backend that manages the BECU online banking website, the contact given to me by a supervisor of the XXXX branch. ( I have the email given to me if you need me to provide it ) Absolutely no response. \n\nI filled out a survey recently this last XXXX about an experience and was left a voicemail a few days later concerning my survey. They provided their personal number which I found unusual.When I call it goes straight to voicemail during clear business hours and when Ive never as I was on my phone I never actually got a phone call, just a voicemail appeared on my phone suddenly at the current time. My service is bad but it could be phishing. I can provide that transcript or audio message for that voicemail if needed. The voice was recognizable amd I remember talking to him a year ago. Right before going into the XXXX branch. \n\nIll can the statements I mentioned on the most recent report along with the screen recording of the 10 year time frame spending transaction and income.","date_sent_to_company":"2025-08-07T03:51:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98108","tags":null,"has_narrative":true,"complaint_id":"15153446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BOEING EMPLOYEES' CREDIT UNION","date_received":"2025-08-07T03:44:52.000Z","state":"WA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Not only was it strange but I couldnt get anything resolved because he always had the same <em>answer</em>, he just didnt know. This is just one example out of many. \n\nI went into the branch in XXXX XXXX in XXXX XXXX and was told the retention period they keep for transactions is 7 years providing 2 extra years from federal <em>law</em> ( 5 years )."]},"sort":[9.679602,"15153446"]},{"_index":"complaint-public-v1","_id":"13100288","_score":9.025671,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"TD BANK APPEARS TO BE IN VIOLATION OF THEIR U.S. DEPARTMENT OF JUSTICE COURT ORDERED CRIMINAL SENTENCING AGREEMENT? A TD BANK MUST READ!\n\nThis report and its attachments will detail how I have experienced first-hand that TD Bank is using a/or the like rinse and repeat cycle of illegality ( employee and/or bad actor customers fraud / scammers ) at a cost to me of theft from TD Bank in the amount of {$84000.00} ( wired from XXXX XXXX of {$21000.00} to TD Bank on XXXX XXXX, XXXX and a wire of {$62000.00} to TD Bank on XX/XX/XXXX XXXX. During my research I have uncovered evidence that strongly supports that TD Bank and its bank employees is, has and continues to allow criminals to operate within TD Bank to include what appears to be bank employees continuing to help open up accounts for malicious bad actor criminals even after TD Bank plead guilty in XXXX, and now is a convicted criminal. \n\nFurthermore, I am stunned to learn many times the banks position of court convictions and fines are coined as \" just the cost of doing business '', all of which in my case has resulted in a financial harm and emotional distress to an innocent customer who trusted the banks word that the banks services are safe and secure would be an understatement. \n\nUntil these bankers GO TO PRISON this will continue so all that read this need to help get the word out and demand justice does not stop at fines but also must include PRISON time for the convicted criminal bankers as fines obviously are not deterring the Bankers to engage in crimes. \n\nTD Banks XXXX multi-billion dollar conviction sentencing agreement/s mandates that TD Bank XXXX XXXX XXXX to commit NO FURTHER CRIMES ; ''. TD Bank should look into what that means to violate a sentencing agreement ( see link below regarding your criminal conviction ). \n\nIt would be wise to pass this complaint on to anyone in TD Bank who is responsible for compliance with the criminal case identified below and take the facts herein to return/ reimburse me in full the money stolen by you, your employees and/or your customers. \n\nI am sickened to have learned only after the fact of theft of {$84000.00} that TD Bank is a convicted criminal bank with convicted criminal employees who conspired and schemed crimes with criminals internationally for a decade and I have experienced first-hand it appears that the bank continues to allow/ support criminals in their bank to XXXX/ steal / commit fraud and scams against other innocent banking customer ( see the attached \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). \n\nKey takeaways if TD Bank fails to make me whole / return / reimburse the money stolen in the amount of {$84000.00} to me : First, understand, I am not going away until I am made whole! \n\nI will be forced to reach out to ALL authorities and attorneys involved with TD Banks criminal conviction case for help and have them look into if TD Bank is in violation of their sentencing agreement. \n\nI will seek to have the prosecution team and/or other authorities to classify these crimes as but not limited to \" Conduct beyond the offense of conviction : Actions that are part of a larger scheme or plan, even if they don't directly relate to the offense for which the defendant was convicted '' or the like or bring a new case for violation of the original case or new violations of law/s and add me to the victims and remedies list to be awarded damages, fines, fees, interest, pain and suffering and other such remedy/ies the court deems appropriate. \n\nCFPB Director XXXX XXXX sums it all up : This is about financial institutions fulfilling their basic obligations to protect customers money and help fraud victims recover their losses. \n\nU.S. House and Senate clarified that the banks are to share the liability : The U.S. Protecting Consumers from Payment Scams Act ( H.R. 9303 pdf file attached ) introduced several significant amendments to the Electronic Fund Transfer Act ( EFTA ) aimed at enhancing consumer protections and ensuring greater accountability among financial institutions to include a shared liability provision wherein the financial institution holding the consumers account and the institution receiving the fraudulent transfer with discretion to include other firms that materially help facilitate the payments to share responsibility for reimbursing the consumer to encourage all parties involved to adopt more robust fraud prevention measures. \n\nNote : See also the attached file titled \" XXXX XXXX XXXX XXXX '' ( fraud Insights report ). \n\nTD BANK has the full capability to simply follow the money trail to the next account and the next etc. to reimburse the bank 's fraud victims : Due to but not limited to TD Bank and bank employees guilty criminal convictions the bank knows first-hand they must follow the money trail to claw it back.\n\nOf Importance is that TD Bank was an active participant in the crimes and understand because of the practice where the criminal bankers/ the malicious bad actor bank customer will open an account to be used to receive money only to soon after move the majority of the ill-gotten funds out of the account to another account for obvious reasons ( i.e. bank freezing account or hold harmless recall / claw back ). This means the bank/s MUST but not limited to follow the money trail to make a victim whole. In the alternative TD bank has the option to simply reimburse me in full out of bank funds! Either way, if I am not made whole I will seek restitution through but not limited to authorities and/or the sentencing court / U.S. DOJ to include fines, penalties and other damages.\n\nTD Banks XX/XX/XXXX Shareholder meeting just publicly admitted the convicted bank criminals caused extraordinary pain, the darkest day for the bank and that they encourage accountability and to be more curious about all these issues. Can you imagine the shareholders ' response and the U.S. Governments to learn yet again crimes are being committed within the bank and possibly another case is brought against the bank or sentencing violations are uncovered? \n\nEmploying options to reimburse me identified herein or by any and all means at the banks disposal in the end is the least costly option for TD Bank as it saves the bank/s time and money as court/s, government agencies or the court of public opinion via media exposure will certainly cost the bank far more than just money as the time and attention this matter will require so many of your banks employees to answer but not limited to the courts, the agency/ies overseeing the bank is in compliance of their criminal sentencing agreements or to bring new charges, fines and cost to make victims whole to include going to the media, U.S. Senate / Congress and several additional agencies listed herein / within the court case TD Bank plead guilty to. Not to mention any employees that are found to be helping these criminals may be charged and maybe even a PRISON sentence!\n\nObviously the media will be all over this story ( to include XXXX and others who reported on the cases against XXXX XXXX and TD Bank in the past )! \n\nFurthermore, should TD Bank fail to make me whole read below of additional steps I will perform to protect my family from the harm TD Bank has caused me and/or the harm the banks customers have threaten me with by offering the details of the entirety of the my complaints/ reports which will also include the banks responses- all points to TD Bank continuing to support bad actors ( who are your bank customers ) and their international ecosystem team of bad actors will learn first-hand how TD Bank has been publicly noted as the bank of choice for criminal actors with bank employees who work with and support the criminal customers.\n\nThe nearly one million banking victims including myself are not the ones who : 1 ) pretended to vet the bad actors opening bank accounts 2 ) failed to keep criminal employees out of the banks employ 3 ) failed to implement sufficient anti-fraud measures 4 ) failed to \" Know Your Clients '' 5 ) used limited and ineffective authentication / verification requirements any or all of which resulted in the banks opening their doors and letting the criminals into the banks. But for the bank 's negligence nearly one million honest customers including myself could never have become victims of induced fraud or authorized fraud.\n\nNothing can come from fraud or theft but fraud or theft so wherever the money was moved from and then too is part of the crime money mule ecosystem and the account holder/s of the next account is part of the criminal ecosystem. \n\nXXXX XXXX just reported TD Bank will continue to be required to retain an independent monitor as part of the XXXX XXXX dollar settlement due to the bank 's failure to prevent money laundering plea ( the bank also conspired as a criminal in the crimes ) as stated by the U.S. DOJ. \n\nI am HORRIFIED to have learned after the fact that TD Bank has a CRIMINAL RECORD and by their own pleading of GUILTY has a reputation of lacking security policies allowing criminals into their bank/s as well as bank employees on the take working as criminals and supporting the criminal customers wherein the bank became a criminal themselves as evidenced in the court case TD Bank plead guilty to in late XXXX, labeled as a historic crime spanning nearly a decade. The bank is to pay nearly XXXX XXXX dollars in fines/ penalties : XXXX XXXX XXXXXXXX In the words of TD Bank 's own employees : the banks XXXX failures made it convenient for criminals.\n\nWithin the case it is basically said the banks are to be the first line of defense against crimes not to be a criminal themselves, and By making its services convenient for criminals, TD Bank became one, said Attorney General XXXX XXXX XXXX. Today, TD Bank also became the largest bank in U.S. history to plead guilty to Bank Secrecy Act program failures, and the first US bank in history to plead guilty to conspiracy to commit money laundering.TD Bank chose profits over compliance with the law And, these failures made the bank an easy target for the bad guys. These failures also allowed corrupt bank employees to facilitate a criminal And, The bank was aware of these risks and failed to take steps to protect against them, including for two networks prosecuted in New Jersey and elsewhere And, TD Bank became the bank of choice for multiple money laundering organizations and criminal actors and processed hundreds of millions of dollars in money laundering transactions. \n\nAnd, Let me be clear : our investigation continues, and no individual involved in TD Banks illegal conduct is off limits. \n\nTD Bank 's involvement in this historic money laundering scandal included several bank employees supporting the international crimes and schemes. It was found that their lack of security policies contributed to a climate as a bank of choice for but not limited to corrupt employees, criminals/ bad actors / money mules/ fraud / induced fraud / authorized fraud crimes. \n\nToday it seems TD Bank is and continues to be a known safe haven for money mules and criminals alike of which I am now another victim of TD Banks failure to be a secure bank and instead is a known bank of and for bad actors/ criminals with corrupt criminal bank employees who work with and support bad actor criminal customers. \n\nDuring my investigation into the theft of {$84000.00} by TD Banks criminal employees and/or customers I have found what appears to show that TD Bank continues to have a problem with criminals operating in their bank and/or corrupt employees helping the money mule criminals open accounts. The criminal case TD Bank plead guilty to exposes the bank has operated with criminals in a similar way, in summary : The Charges : TD Bank 's U.S. unit faced charges for failing to maintain proper anti-money laundering ( AML ) controls for nearly a decade, from XXXX to XXXX. \n\nThe Failure : Prosecuto\n\nrs stated that the bank 's \" long-term, pervasive, and systemic deficiencies '' in its AML policies allowed criminals to launder money through its branches. Examples of The Money Laundering : - One money laundering network, with the help of bribed employees, processed mo\nre than {$470.00} XXXX  through the bank through large cash deposits into nominee accounts. \n\n- Another scheme involved five bank employees who helped facilitate the transfer of {$39.00} XXXX in illicit funds to XXXX. \n\n- A third scheme involved a money laundering network with accounts for at least XXXX XXXX  companies that moved more than {$100.00} XXXX in illicit funds. \n\nTD Bank 's criminal acts and criminal employees does not stop there as recently yet another TD Bank employee, a XXXX XXXX who worked in TD Bank 's anti-money-laundering department has pleaded guilty to a felony in connection with a check-fraud scheme and took possession of customers ' personally identifiable information. \n\nXXXX XXXX Attorney XXXX XXXX stated \" This defendant brazenly exploited her position for her own personal profit, '' and he said \" We take all fraud in the banking and financial services industry extremely seriously, no matter what form it takes. \". This case against XXXX grew out of a probe focused on check fraud. \n\nI would like to ask why and how is it not required by law, policy or otherwise requiring banks to inform and warn customers of danger when a sending or receiving bank sends a wire / EFT 's / ACH money to any bank / institution that has a criminal record, criminal employees and/or a conviction of like kind instead of as it is now the bank/s carry on declaring to customers they are safe and secure?\n\nCase in point : My bank, XXXX XXXX, should have warned me prior to or at the time of any dealings with TD Bank and or any attempts to send money by any means to TD Bank should have included a full disclosure notice and warning of but not limited to the subjects and issues within this report or by any other appropriate method/s. \n\nFurthermore, XXXX XXXX 's failure to do so caused me to a financial injury in the amount of {$84000.00} as well as threats of being harmed by a convicted criminal, TD Bank and its criminal bank employees and customer/s which has caused financial and emotional distress to me and my family that will last us a lifetime.","date_sent_to_company":"2025-04-21T23:38:22.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"23456","tags":null,"has_narrative":true,"complaint_id":"13100288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-04-21T22:15:13.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It was found that their lack of security policies contributed to a climate as a bank of choice for but not limited to corrupt employees, criminals/ bad actors / money mules/ <em>fraud</em> / induced <em>fraud</em> / authorized <em>fraud</em> crimes."],"issue":["<em>Fraud</em> or scam"]},"sort":[9.025671,"13100288"]},{"_index":"complaint-public-v1","_id":"5661757","_score":8.980079,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is a complaint in accordance with the Securities Exchange Commission ( SEC ), Federal Trade Commission and other Financial Service Industry and Regulations. \n\nWhen anyone is conducting any business in dealing with exchanging and transferring funds across United States Terrorities and Foregin Terrorities they are supposed to be licensed in currency trading and should be able to produce such license to anyone upon request at a moment notice. They too should have Errors and Ommission Insurance in place as well as other Property and Casualty Insurance such as Professional Liablity Insurance in place.\n\nIn nature to this detail complaint I am submitting before the Security Exchange Commission ( SEC ), Federal Trade Commission and Consumer Financial Protection Bureau I am submitting this complaint in good faith that everything in it and everything apart of it is legal, accurate, true and correct and should immeidate warrant an order filed and served upon Coinbase.com to produce their records requested and to order to Cease and Desist Operation until validation of paperwork, licenses and return of unauthorized funds are returned back to my XXXX XXXX  XXXX, XXXX. account which Coinbase.com pulled without my authorization or consent to withdraw after serveral notices were attempted to cease and cancel any tranaction that they were responsible and liable for generating after my attempt to notify Coinbase.com of illegal events and activities that were going on using their platform. \n\nIn nature to my complaint to Coinbase.com I too advised Coinbase.com to immediately contact the Federal Bureau of Investigation ( FBI ) at https : //complaint.ic3.gov/default.aspx #. If Coinbase.com failed to do so that should tell everyone that they did not want to and they fully was aware of the illegal event and activities. The date and time and the IP address that registered in the system does not lie now Coinbase.com must come forward and show up and show that both IP addresses in question are my IP addresses and must show that I never made any attempt to contact Coinbase.com or XXXX  XXXX XXXX, XXXX in nature to the fraudlent event or activities. \n\nI turned over to Coinbase.com the perso name that represented Coinbase.com and assisted me in setting up such Coinbase 's account. \n\nNow further read the detail Notice of Intent to file a law suit against Coinbase.com if this matter is not rectified and settled within the timeframe this complaint is filed before the government agencies listed in the complaint. \n\n_____________________________________________________ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Coinbase.com Attn : Legal Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Notice Intent to Sue Letter Dear Coinbase.com Owner : This notice is a written communication before the Consumer Financial Protection Bureau and the Federal Trade Commission on the illegal events and activities that has been discussed and brought before everyone in regarding the fraudulent activities that has taken place over your site or server. \n\nI have written to you already on numerous times in regard to immediately returning my {$10000.00} that was sent to your site after my notification to you not to pull from my Bank Account with XXXX XXXX  XXXX, XXXX. after suspecting criminal activity. \n\nIt has now been noted and brought to your attention in all the right and proper ways and I too validated on the records in your statement that such transaction was unauthorized or not authorized. \n\nBy your record you have a suspicious IP address that you know that is not my IP address and at that moment you should have immediately shut down the account and any transfer activities as I timely notified you of this in a timely manner. \n\nWhile filing this Consumer Financial Protection Bureau Complaint. I have requested that you produce and provide the following since you mentioned subpoena or getting a subpoena to get you to return whatever paperwork, records or funds from this event or matter. I have requested from you to turn over all legit financial service records such as licenses to operate in any money service business as well as your errors and omission insurance records. I am also requesting your corporate attorneys name address and phone number so that legal paperwork can be served to such agent of record address since you wish and failed to honor your own disclosure statement or record for the definition of fraud is clearly evident here. \n\nFor your statement of the record does not match up with XXXX XXXX or XXXX XXXX your employees statements or records. For how such person can know so much about your business and for you to say on the record that I purchased some cryptocurrency when I have never purchased or invested in cryptocurrency. This along is FRAUD and should be immediately looked at and into by the Consumer Financial Protection Bureau, Federal Trade Commission, and a Circuit Court for XXXX XXXX in the State of Illinois. \n\nI have too requested that you immediately notify the Federal Bureau of Investigation ( FBI ) and file a IC3 complaint by now you should have filed such complaint and too should have such paperwork under Title 18, of the United States Code, Section 1001. You too should surrender such paperwork and surrender all the paperwork that you should have brought under your response to the Consumer Financial Protection Bureau Complaint as well as the attached Certification of Record that were sent to you by the Consumer Financial Protection Bureau. \n\nI am open and willing to consent to a JURY TRIAL since you mention subpoena to get information that I should not need a subpoena at this moment until you openly agree to a JURY TRIAL. \n\nThis complaint is not the same as the complaint before, but it is a legit record showing my legal rights to attempt to reach you and to notify you through another government agency to attempt to get this matter resolved before having to take you into any court to enforce return of my funds in the amount of {$10000.00} that you are not entitled to. \n\nYou disclosure talks about money laundering which you and your business is assisting in money laundering for there is not evidence showing that your business is not set up and established to prevent money laundering for if such is not correct then you too should know to whom these funds were transferred from my account to whoever account and where such funds were transferred through and from your system, you will have the full name of the person, address, phone number, and email address, etc. just like you have my name on file and in your system. \n\nCoinbase came to the Consumer financial Protection Bureau with a scam response and did not provide anything from the PROPER RECORDS that I uploaded on Consumer Financial Protection Bureaus site. ( See complaint file that is not the same but if such is the same then where are the records that you should be producing with your answer or response? ) Coinbase have came here and made two key comments to justify the immediate return of my {$10000.00} back to my XXXX XXXX XXXXXXXX, XXXX. Account. \n\nI asked Coinbase.com to produce their legal counsel of records and physical address to be professionally and legally served. As of this date Coinbase.com has not produce or provided anything but a bogus statement to mislead others. \n\nIf I file a report or complaint of a Fraud or Scam, then the respondent should be responding back with certified proof evidence that such is not FRAUD or a Scam. \n\nCareful review the terms and definitions below on what is FRAUD and also understanding by the key definition below what is the definition of money laundering : wrongful or criminal deception intended to result in financial or personal gain. \n\" he was convicted of fraud '' Similar : Fraudulence, sharp practice, cheating, swindling, trickery, artifice, deceit, deception, double-dealing, duplicity, treachery, chicanery, skulduggery, imposture, embezzlement, monkey business, funny business Crookedness, hanky-panky, shenanigans, flimflam, jiggery-pokery, monkeyshines, management, knavery, trick, cheat, hoax, subterfuge, stratagem, wile, ruse, swindle, racket, scam, con, con trick, rip-off, leg-pull, sting, gyp, kite, diddle, fiddle, swizzle, bunco, boondoggle, hustle, grift, rort a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities. \n\" mediums exposed as tricksters and frauds '' Similar : Impostor, fake, sham, pretender, hoodwinker, masquerader, charlatan, quack, mountebank, swindler, fraudster, racketeer, cheat Money Laundering is as follows : XXXX the concealment of the origins of illegally obtained money, typically by means of transfers involving foreign banks or legitimate businesses. \n\" he was convicted of money laundering and tax evasion '' In accordance with the Federal Bureau of Investigation : The Money Laundering Control Act of 1986 ( Public Law 99-570 ) is a United States Act of Congress that made money laundering, a federal crime. It was passed in 1986. It consists of two sections, 18 U.S.C. 1956 and 18 U.S.C. 1957. It for the first time in the United States criminalized money laundering. Section 1956 prohibits individuals from engaging in a financial transaction with proceeds that were generated from certain specific crimes, known as \" specified unlawful activities '' ( SUAs ). Additionally, the law requires that an individual specifically intend in making the transaction to conceal the source, ownership or control of the funds. There is no minimum threshold of money, nor is there the requirement that the transaction succeed in actually disguising the money. Moreover, a \" financial transaction '' has been broadly defined, and need not involve a financial institution, or even a business. Merely passing money from one person to another, so long as it is done with the intent to disguise the source, ownership, location or control of the money, has been deemed a financial transaction under the law. Section 1957 prohibits spending in excess of {$10000.00} derived from an SUA, regardless of whether the individual wishes to disguise it. This carries a lesser penalty than money laundering, and unlike the money laundering statute, requires that the money pass through a financial institution. [ 1 ] [ 2 ] Now, I need a consent to a JURY TRIAL document turned over to me so that we can get this matter or issue before a JURY TRIAL for that {$10000.00} that you unauthorized pulled from my XXXX  XXXX XXXX, XXXX. is still my funds in which you have failed to honor the respect of the banking industry or financial service industry to return such funds back to the rightful owner which is me ( XXXX XXXX ). \nSincerely, XXXX XXXX Fraud Victim Enclosures : Records Certification Notice CC : Federal Trade Commission XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Securities Exchange Commission XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX _______________________________________________________ This is not a duplicate complaint but a complaint to validate our records of facts that this financial service merchant does not follow or abbey by his or her own business policies. \n\nWe need all the official records as noted in the complaint that is sent to the Merchant called Coinbase.com fully read the information below : If we suspect the transaction involves ( or has a high risk of involvement in ) money laundering, terrorist financing, fraud, or any other type of financial crime ; in response to a subpoena, court order, or other government order ; if we reasonably suspect that the transaction is erroneous ; or if Coinbase suspects the transaction relates to Prohibited Use or a Prohibited Business as set forth below. In such instances, Coinbase will reverse the transaction and we are under no obligation to allow you to reinstate a purchase or sale order at the same price or on the same terms as the canceled transaction. To Whom This May Concern : Coinbase has not produced anything to validate its statements or claims but wishes to continue to filibuster this public complaint before the Consumer Financial Protection Bureau. Coinbase still has not produced such a legal license or certification as I have a right to see and have for my records. Coinbase makes such claim that I purchase some cryptocurrencies produce the receipt of purchase where I made such purchase. Coinbase refused and danced around to the issues of the IP Address in question and in issues. Coinbase refused to submit any documentation of proof showing that such representative did not or does not work with Coinbase.com. If such a person does not work with Coinbase.com or has never been affiliated with Coinbase.com then this is an official and legal matter of FRAUD. When Coinbase.com has to come into a court of law to prove. If such is FRAUD then Coinbase.com is responsible for the funds that they had pulled from my checking account after telling them not to pull from my checking account. Coinbase should have a better system set up and established to prevent any unauthorized transaction from anyone 's account. Whatever method you have set in place you should know where the funds are going, and to which account such funds are going after having them fully verify themselves as a sender or a receiver. How can you have a business that is set up in accordance with the Federal Trade Commission ( FTC ) 's rules, regulations, policies, procedures, and applicable laws to prevent money laundering and you can explain to any law enforcement or any official or legal government agency where such funds are going and into who account such funds are going into. You are assisting in the illegal event and illegal activities because somewhere and somehow you received a payment in some form or another and I am not the person or party that you are going to think that I am just going to allow you to get away with this scam. This is a SCAM and Coinbase.com is a SCAM supporting business. When you noticed such an alert triggered Coinbase.com should have shut it down and locked the consumer account and pick up the phone and directly made such communication contact with the consumer. Coinbase.com needs to be shown to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Federal Bureau of Investigation that such were performed. If Coinbase.com can not show measures or attempts to prevent FRAUD or illegal sign-in detection then Coinbase.com is fully liable for these funds that are mysteriously missing or transmitted out of this account without my knowledge, approval, or consent. It is just that simple. Now since Coinbase.com mentioned court and legal actions such as a subpoena. But still does not open and legally consent to a jury trial if legal court action is to result from this. I want paperwork officially and legally sign in advance that you are consenting to a JURY TRAIL to prove your case that this is not FRAUD. I need a physical address and not some po box for you should know that no legal service can not be perfected upon a po box . If you're required to be my physical address from your service, then I too should be entitled to get your physical address for proper service. We don't want any issues or hang up in not something being done in accordance with a Sheriff Department legal service when such paperwork served must be under a sworn affidavit by someone able to serve such legal documents. What you have done is not my issue or mistake it is your issue or mistake for I don't purchase cryptocurrency and I am not interested in purchasing such and never have been interested in purchasing such. So let 's please get that corrected for the records. Once you claim and said that I participated in cryptocurrency you made an untruthful statement which is FRAUD. You have the paperwork from the Federal Bureau of Investigation telling you exactly what to do and it is very strange that even to this date, you have not attempted to do anything. As well, as I have to file an IC3 Report then so should you for everything to equally match up in the Federal Bureau of Investigation 's database. The Consumer Financial Protection Bureau should know that I am correct and XXXX XXXX XXXX, XXXX. has proof that you carried out an unauthorized transaction and even it is printed in your communication of record that such as unauthorized but now you wish to try to claim that such was authorized and authorized by me which validate FRAUD. I encourage you to come clean and come correct for I have done everything that I was supposed to do from all legal aspects and to make people aware that this cryptocurrency claims, or business is an undercover scam and such should not exist or should have never been approved by whoever approved such. But you want to come into the Consumer Financial Protection Bureau and make such a claim that I am a cryptocurrency consumer when I am not. In closing, we need official and legal records from you showing that such date and time when such business was established and the legal corporation paperwork outlining what this kind of business is supposed to do for the people for which you are doing business. There is paperwork that should be to support my request. I need everything legal, accurate, and correct for law purposes and court purposes for we don't need any further issues or delays. You too should have Errors and Omissions Insurance in your records and a policy that covers and protect such occurrences as this one. Please produce such a policy agency that covers such and the policy number for the record. When you have two parties submitting conflicting statements, you have FRAUD, and such should be immediately reported to your law enforcement agency when this is a result of CYBER CRIMES or FINANCIAL SERVICE CRIMES. Now if I can do my part then COINBASE.COM should be able to do their part. I rest here and continue to wait for PROPER RECORDS that you should be producing to cause you to handle any funds of mine and to send out any funds of mine under my legal authorization and consent. PLEASE IMMEDIATELY TURN OVER YOUR RECORDS OF CERTIFICATION FOR THE RECORDS. COINBASE.COM has not produced anything to support its statements. XXXX XXXX Fraud Victim Securities Exchange Commission ( SEC ) Regulation Best Interest. \nUnder basic contract law, fraud in the formation of a contract renders the contract voidable by the innocent party at any time. Following this contract law principle, a merchant, buyer, or seller could declare a policy null and void if the person generating the transaction such under the terms and condition of coinbase.com in which such person lied in the act of performance or performing such illegal event or activities in his or her application for the process of generating any investment tool or engine, no matter when the merchant, business or agent discovered the lie. \n\nIn this case before the Consumer Financial Protection Bureau, Federal Trade Commission, and the Financial Securities Exchange Commission where Coinbase.com should have proof of certification of operating a money trading business or platform as well as should have proof of certification of licenses in place and such should be ready and made available to everyone via the internet to valid their business in trading and such cryptocurrency. [ By the way, I dont know what cryptocurrency is and know nothing about it, so why would I purchase such? ] You need to return my funds in amount of {$10000.00} for such transaction or act performed by such business personnel is fraudulent. \n\nA person by the name XXXX XXXX XXXX XXXX XXXX represented herself as a Coinbase.com employee or staff and is very knowledgeable with Coinbase.coms platform. If such is not true then the first paragraph in this notice before Coinbase.com, Consumer Financial Protection Bureau, The Federal Trade Commission and the Security Exchange Commission is true that this activity that was transmitted and transpired on Coinbase.coms platform is FRAUD. \n\nIn the online records before the Consumer Financial Protection Bureau coinbase.com has admitted that such event or activity was not authorized therefore placing the word as UNAUTHORIZED meaning that Coinbase.com nor such employee of Coinbase.com did not have the authorization and consent to funnel with and tamper with the account that is set up in my name under Coinbase.com and XXXX XXXXXXXX XXXX, XXXX. and therefore, the funds should have been immediately returned for if you clearly read the disclosure printed up and generated by Coinbase.com as their defense, it does not match up and does not validate or justify why such funds have not been returned back to my XXXX XXXXXXXX XXXX, XXXX. account. \n\nAs we submit this to everyone as well as Coinbase.com the definition of FRAUD is clearly stated and explained below. \n\nCoinbase.com knows where the funds are and knows where the funds went and knows how to timely and effectively recover the funds and knows how to report an illegal or criminal activity or event to the local law enforcement authorities. \n\nBy now Coinbase.com should have a police report and too should have an IC3 report from the Federal Bureau of Investigation to show proof that such is not money laundering or FRAUD or a scam. \n\nI have attached a record for record certification where coinbase.com should be open and willing to produce certified records to support its business operation online as well as produce license, and E & O Omission Insurance Policy that his business should have under the property and casualty insurance to protect itself and his employees from liability. \nIn a pervious noted comment by coinbase.com representative, coinbase.com mention subpoena in order for anyone to get a subpoena they need to have a civil action performed against a party such as coinbase.com. Since such was mentioned and noted then coinbase.com should be open and willing to sign a consent form for a jury trial and not for such illegal or criminal event or activities that has transpired on coinbase.coms platform should not be heard by a magistrate judge or a circuit court judge, but a jury panel in which coinbase.com should be able to enter such business defense before a jury. \n\nI am consenting to a jury trial in this complaint in which the Consumer Financial Protection Bureau should be serving upon Coinbase.com for an answer, and response in nature to crediting back my account and transferring my funds back to XXXX XXXX XXXX, XXXX. \n\nEverything that has been mentioned here will be used and mentioned in any court of law and before a jury. [ END ]","date_sent_to_company":"2022-06-12T05:40:58.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"60657","tags":null,"has_narrative":true,"complaint_id":"5661757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-06-12T04:58:07.000Z","state":"IL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>Fraud</em> Victim Securities Exchange Commission ( SEC ) Regulation Best Interest. \nUnder basic contract <em>law</em>, <em>fraud</em> in the formation of a contract renders the contract voidable by the innocent party at any time."]},"sort":[8.980079,"5661757"]},{"_index":"complaint-public-v1","_id":"13250517","_score":8.36424,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"WELLS FARGO IS PARTICIPATING WITH CONVICTED CRIMINAL BANK/S! BY FAILING TO WARN CUSTOMERS OF XXXX XXXX  CONVICTED CRIMINAL RECORD AND XXXX 's OVERWHELMING LONG STANDIG FRAUD KEPT HIDDEN TO CUSTOMERS/ THE PUBLIC CAUSED ME EMOTIONAL AND A FINANCIAL HARM OF {$92000.00}. \n\nThis report and its attachments will detail how I have learned and experienced first-hand that Wells Fargo XXXX XXXXXXXX XXXX and XXXX / XXXX  are using a/or the like rinse and repeat cycle of illegality ( employee and/or bad actor customers fraud / scammers ) at a cost to me of theft from XXXX XXXX, a convicted criminal enterprise , in the amount of {$84000.00} ( wired from Wells Fargo of {$21000.00} to XXXX XXXX  on XXXX XXXX, XXXX and a wire of {$62000.00} to XXXX XXXX on XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX of {$7900.00} XXXX \n\nDuring my research I have uncovered evidence that strongly supports that XXXX XXXX  and its bank employees is, has and continues to allow criminals to operate within XXXX XXXX to include what appears to be bank employees continuing to help open up accounts for malicious bad actor criminals even after XXXX XXXX plead guilty in XXXX, and now is a convicted criminal. Wells Fargo has been convicted of crimes as well and it's important to note that Wells Fargo failed to protect me from the convicted criminal known as XXXX XXXX \n\nFurthermore, I am stunned to learn that when banks like Wells Fargo and XXXX XXXX  are convicted and fined the banks and the bank employees being convicted criminal is, has and continues to allow criminals employees and criminal customers to operate within their banks that the banks position of court convictions and fines are coined as \" just the cost of doing business '' resulting in and at the cost of financial harm and emotional distress to innocent customers like myself who trusted the banks word that the banks services are safe and secure would be an understatement. \n\nUntil these bankers GO TO PRISON this will continue so all that read this need to help get the word out and demand justice does not stop at fines but also must include PRISON time for the convicted criminal bankers as fines obviously are not deterring the Bankers to engage in crimes. \n\nFirst, I'd like to ask why and how is it not a law for banks to inform and warn customers of danger and that they or the bank customers XXXX send money to has a criminal records and employees who are criminals who support these banking crimes for a fee etc. instead of the bank/s declaring they are safe and secure? \n\nCase in point. My bank, Wells Fargo, should have warned me prior or at the time of any dealings with XXXX and/or XXXX XXXX and or any attempts to send money by any means through XXXX or XXXX XXXX XXXX should have had a full disclosure notice and warning of but not limited to the subjects and issues within this report or by any other appropriate method/s. \n\nFurthermore, Wells Fargo failure to do so caused me to a financial injury in the amount of {$92000.00} as well as THREATS OF BEING HARMED by a convicted criminal, XXXXXXXX XXXX and its criminal bank employees and customer/s which has caused financial and emotional distress to me and my family that will last us a lifetime. \n\nI am HORRIFIED to have learned after the fact that, like Wells Fargo, XXXX XXXX has a CRIMINAL RECORD which Wells Fargo should have warned me about wherein XXXX XXXX plead GUILTY and has a reputation of lacking security policies allowing criminals into their bank/s as well as bank employees on the take working as criminals and supporting the criminal customers wherein the bank became a criminal themselves as evidenced in the court case XXXX XXXX plead guilty to in late XXXX, labeled as a historic crime spanning nearly a decade. The bank is to pay nearly XXXX XXXX dollars in fines/ penalties XXXX XXXX XXXX XXXXXXXX In the words of XXXX XXXX XXXX  own employees : the banks XXXX failures made it convenient for criminals.\n\nWithin the case it is basically said the banks are to be the first line of defense against crimes not to be a criminal themselves, and By making its services convenient for criminals, XXXX XXXX became one, said Attorney General XXXX XXXX XXXX. Today, XXXXXXXX XXXX also became the largest bank in U.S. history to plead guilty to Bank Secrecy Act program failures, and the first US bank in history to plead guilty to conspiracy to commit money XXXX XXXX  chose profits over compliance with the law And, these failures made the bank an easy target for the bad guys. These failures also allowed corrupt bank employees to facilitate a criminal And, The bank was aware of these risks and failed to take steps to protect against them, including for two networks prosecuted in New Jersey and elsewhere And, XXXX XXXX  became the bank of choice for multiple money laundering organizations and criminal actors and processed hundreds of millions of dollars in money laundering transactions. \n\nAnd, Let me be clear : our investigation continues, and no individual involved in XXXX XXXX illegal conduct is off limits. \n\nXXXX XXXX XXXX  involvement in this historic money laundering scandal included several bank employees supporting the international crimes and schemes. It was found that their lack of security policies contributed to a climate as a bank of choice for but not limited to corrupt employees, criminals/ bad actors / money mules/ fraud / induced fraud / authorized fraud crimes. \n\nToday it seems XXXX  XXXX  is and continues to be a known safe haven for money mules and criminals alike of which I am now another victim of XXXX XXXX failure to be a secure bank and instead is a known bank of and for bad actors/ criminals with corrupt criminal bank employees who work with and support bad actor criminal customers. \n\nDuring my investigation into the theft of {$84000.00} by XXXX XXXX  criminal employees and customers I have found what appears to show that XXXX XXXX  continues to have a problem with criminals operating in their bank and/or corrupt employees helping the money mule criminals open accounts continuing to rob/ steal / commit fraud and scams against other innocent banking customers, myself included ( see the attached \" cfpb-1 XXXX and Wires Wells Fargo Claims for XXXX XXXX XXXX '' and two Exhibit files in support ). \n\nThe criminal case XXXX XXXX  plead guilty to exposes the bank has operated with criminals in a similar way and that bank employees are deeply involved in the crimes, in summary : The Charges : XXXXXXXX XXXX XXXX U.S. unit faced charges for failing to maintain proper anti-money laundering ( AML ) controls for nearly a decade, from XXXX to XXXX. \n\nThe Failure : Prosecutors stated that the bank 's \" long-term, pervasive, and systemic deficiencies '' in its XXXX policies XXXX criminals to launder money through its branches. \n\nExamples of The Money Laundering : - One money laundering network, with the help of bribed employees, processed more than {$470.00} XXXX through the bank through large cash deposits into nominee accounts. \n\n- Another scheme involved five bank employees who helped facilitate the transfer of {$39.00} XXXX in illicit funds to XXXX. \n\n- A third scheme involved a money laundering network with accounts for at least five shell companies that moved more than {$100.00} XXXX in illicit funds. \n\nXXXX XXXX criminal acts and criminal employees does not stop there as recently yet another XXXX XXXX  employee, a XXXX XXXX who worked in XXXX XXXX XXXX anti-money-laundering department has pleaded guilty to a felony in connection with a check-fraud scheme and took possession of customers ' personally identifiable information. \n\nXXXX XXXX Attorney XXXX XXXX stated \" This defendant brazenly exploited her position for her own personal profit, '' and he said \" We take all fraud in the banking and financial services industry extremely seriously, no matter what form it takes. \". This case against XXXX grew out of a probe focused on check fraud. \n\nXXXX XXXX  stated in the XXXX XXXX DOJ XXXX case they plead guilty to that it takes full responsibility for its XXXX program failures and is making significant investments and enhancements to meet regulatory obligations and protect the financial system. \n\nXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Shareholder meeting just publicly admitted the convicted bank criminals caused extraordinary pain, the darkest day for the bank and that they encourage accountability and to be more curious about all these issues. \n\nI find XXXX XXXX is failing this obligation / accountability as evidenced herein and within my reports! \n\nXXXX XXXX XXXXXXXX multi-billion dollar conviction sentencing agreement/s mandates that XXXX XXXX XXXXXXXX XXXX XXXX to commit NO FURTHER CRIMES ; ''. \n\nIt appears Wells Fargo is working with banks that appear to continue engaging in criminal acts/ behavior which means we must ask/ look into if Wells Fargo is in violation of their sentencing agreements too? The bank should look into what that means to violate a sentencing agreement/s. \n\nIt's prudent that Wells Fargo and XXXX XXXX  takes responsibility for its failures and make me whole, return the entirety of the wired funds stolen by the banks, banks employees and/or the bank 's criminal client/s the banks let into their business in the amount of {$84000.00} ( plus Wells Fargo XXXX total of {$7900.00} ). Transaction details and additional evidence of the induced / authorized fraud provided in the attached files. \n\nOne remedy available to victims/ myself if I am not made whole / reimbursed is to reach out to every agency identified in the court case/s to investigate if Wells Fargo XXXX XXXX and/or XXXX XXXX  is in XXXX XXXX any sentencing agreements, court ordered obligations or any laws and to ask for help to bring any new investigations and charges against the banks. Obviously the media will be all over this story ( to include XXXX and others who reported on the cases against Wells Fargo and XXXX XXXX  in the past )! \n\nThe costs and time the bank/s will put towards defending themselves and answering all those agencies and the media, not to mention customers who learn of this will be far greater than making me whole in the amount of {$92000.00}! Then and only then will I go away! \n\nThe herein and attached files being provided to Wells Fargo XXXX XXXX XXXX  XXXX XXXX includes extensive evidence and support Wells Fargo XXXX XXXX XXXX  XXXX XXXX of fraud ( aka induced fraud / authorized fraud ) wherein bank employees and/or money mules/ criminals within the bank/s use shell companies and/or individuals with fake names/ aliases appearing/ pretending to provide legitimate services the victims are purportedly paying for to make it appear as if the financial transactions are legitimate all of which has been knowingly taking place within these banks for over a decade which could very well pose a grave challenge to the banks if I am NOT made whole as I will be forced to report the banks as ( but not limited to ) described herein ( breach of court sentencing agreements are taken serious by the authorities and the courts ). This investigation could also reveal even more XXXX XXXX criminal employees and/or crimes! \n\nUnderstand if I am not made whole then even if this is classified by anyone as not the same crime I will seek to have the banks crime/s classified as but not limited to \" Conduct beyond the offense of conviction : Actions that are part of a larger scheme or plan, even if they don't directly relate to the offense for which the defendant was convicted '' and/or the like, or a new case of its own or whatever the authorities deem appropriate and ask to have any and all parties/ banks culpable enjoined as well as but not limited to having me added to the victims and remedies list to be awarded damages, fines, fees, interest, pain and suffering and other items the court deems appropriate. \n\nIt would be advisable for Wells Fargo to call XXXX XXXX and work out a resolution as this is a serious matter and will be best settled amongst Wells Fargo and XXXX XXXX. Failure to make me whole as mentioned will result in the authorities and media being brought in. We will target but not limited to those agencies and agents named in the media and on the court cases. As for the media we will reach out to those who have a history of following Wells Fargo and XXXX XXXX crimes as they are the most up to speed and familiar with your crimes and reporting on them which will speed up the process of getting this out to the public I will also put out a request for other victims to come forward so we may present the list to the authorities mentioned throughout this report and to look into a civil case that will go alongside of any cases the authorities bring. Best scenario and least costly financially and on the public courts of opinion is to make me whole otherwise this is not going away! \n\nReporting Wells Fargo XXXX transaction induced fraud / authorized fraud crimes in the amounts of : {$540.00} ( XX/XX/XXXX ), {$2000.00} ( XX/XX/XXXX ), {$2400.00} ( XX/XX/XXXX ) and {$2800.00} ( XX/XX/XXXX ) and two XXXX bank wires from my Wells Fargo account to XXXX XXXX  of {$21000.00} ( XX/XX/XXXX ) and {$62000.00} ( XX/XX/XXXX ). \n\nNote : This report includes XXXX Wire Transfers made from my Wells Fargo accounts to XXXX  XXXX  accounts at the direction of the same bad actors money mule ecosystem team performing the scam to defraud me. These wires were done due to being over the allowed XXXX amounts!","date_sent_to_company":"2025-04-30T20:22:05.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"23456","tags":null,"has_narrative":true,"complaint_id":"13250517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-04-30T19:44:01.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The costs and time the bank/s will put towards defending themselves and <em>answering</em> all those agencies and the media, not to mention customers who learn of this will be far greater than making me whole in the amount of {$92000.00}! Then and only then will I go <em>away</em>!"],"issue":["<em>Fraud</em> or scam"]},"sort":[8.36424,"13250517"]},{"_index":"complaint-public-v1","_id":"3419774","_score":8.2374115,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Please find my Complaint against Bank of America ( BOA ) for their repetitive refusal to provide me an answer regarding BOA claims to my property ; and their failure to explain why BOA collects my loan payments which suppose to benefit XXXX XXXX investors. \nBased on numerous factual evidence, BOA ( who was the real party who provided financing for my loan by illegally trading my identity on the open market, without my knowledge or consent ), acting through its sham conduits, Countrywide Financial , Inc. ( now renamed as XXXX XXXX XXXX , XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) never placed my loan in any XXXX XXXX Trust ; and instead created for themselves a stream of tax-free revenue from me under glimpse of repayment of debt. In reality, BOA owes me at least 20 % royalty from their derivative trades using my name, my signature, my reputation and my homestead as their collateral, without my knowledge or consent. \nMoreover, BOA and their affiliates XXXX, XXXX in XX/XX/XXXX monopolized VA appraisals services to generate overstated appraisals to increase BOAs trading value. The Appraisal for my property was done by a la moda software ( long-time used by XXXX until they purchased it in XX/XX/XXXX ) and came at {$140000.00} while amount of financing was {$130000.00}. Thus, BOA sold my identity on the open market for at least 3-4 times more, based on the property appraised value and received at least {$430000.00} ( $ XXXX x 3 ) of which {$130000.00} were forwarded to XXXX XXXX branch in XXXX XXXX, CA where XXXX XXXX , XXXX ( XXXX ) ( who impersonated as a Lender ) sent my private information on XX/XX/XXXX. It is evident from Commitment letter which was prepared by XXXX which stated that I will buy XXXX debt product. \nFrom day one my application was handled in California, and this is evident from time when I signed via some clout email located on someones server which was working on Pacific time. XXXX was merely an another conduit for BOA which they use to mislead borrowers and conceal BOAs involvement in lending practices and protect BOAs stream of revenue from trading on borrowers identity without their knowledge or consent. \nXXXX XXXX  branch is operated by Mr. XXXX XXXX, a relative of XXXX XXXX, co-founder of Countrywide Financial , Inc ( whom BOA used as their sham conduit since at least XX/XX/XXXX, or after President William Clinton repelled Glass Steagal Act ) XXXX XXXX worked for Countrywide since XX/XX/XXXX to XX/XX/XXXX, thus  was actively participating in the biggest economic fraud in the Worlds history operated by Investment banks, each of whom had its own cover up, like Countrywide ( BOA ; XXXX ( XXXX XXXX, XXXX ) In XX/XX/XXXX XXXX XXXX, who was controlled by BOA, knew that their lending practices are illegal, and decided to create a fake corporation Americas Wholesale Lender ( AWL ) to potentially shield Countrywide   from liabilities. \n\nAWL Countrywide ( read : Bank of America ) fraudulently created 3.5 MILLION loans at taxpayer expense with a scheme so simple it seems impossible they got away with it at all. Instead of becoming licensed and registered in every state, Countrywide simply made up a trade name ( DBA ) that they could register in every state that would slide under the radar of the regulators. They made up the innocuous name Americas Wholesale Lender and got to work. Their scheme worked and nobody noticed that Americas Wholesale Lender wasnt a corporation registered or licensed to do business in their state. Countrywide created 3.5 MILLION loans across every state in the country under the DBA Americas Wholesale Lender. The catch is that a DBA such as Americas Wholesale Lender is not a legal entity. It is simply a trade name. Countrywide figured that, if caught, they could avoid punishment by claiming that it was all a clerical error.\n\nAfter they made the loans, Countrywide never sold them to a securitized trust as they were required to do by the pooling agreements. Instead, the loans were controlled by Bank of America ( BOA ). As a result, BOA was collecting payments and foreclosing on loans despite the fact that it never owned or funded any of the actual loans.\n\nBOA continues the same criminal practices as of today ; and never sold my loan to any securitized XXXX XXXX Trust but instead control my loan though their sham   conduits still operated by Countrywide executives, under different corporate names XXXX and XXXX, none of whom have any documentation to provide any proof of their legitimate rights to collect from me. All my payments are collected by BOA who sent me threatening Notices of Default from their XXXX office. \nAfter the creation of AWL, Bank of America needed to find a way to make it so that AWLI could make no claims to the loans. What they did was get MERS to create an assignment on behalf of AWLI which assigned the loan to XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, or XXXX XXXX. After these fraudulent assignments, the bank attaches them to their foreclosure proceedings to trick the court into believing it is the legal owner of the loan. \n\nAll of these XXXX XXXX fraudulent loans have been fully repaid by taxpayers in the TARP bailout while BOA collected enormous profits, at least {$12.00} per dollar. \nThis is exactly that BOA did to my loan they used name of MERS as a Mortgagee ( which MERS can not be since they have no agency relation with XXXX XXXX and not even registered to conduct business in Michigan due to lack of corporate registration. MERS, who under XXXX XXXX MBS Guide must publish the name of the Trust where my VA loan is held ; as well as name of the loans pool never did it since here are no Trust ; no XXXX XXXX pool and no mortgagee MERS. No surprise that XXXX and XXXX claim that details of securitization are proprietory because here was no securitization of my loan, just pure revenue for BOA. \nBOA continues exactly the same practices, with exactly the same people XXXX XXXX, XXXX XXXX, XXXX XXXX, ect but added another layer of protection such as fictitious Lenders like XXXX XXXX to more secretly defraud customers and the US Government ; while avoid billions of taxes collecting revenues from borrowers who think that they pay debt to legitimate investors. \nAccording to Office of Comptrollers XX/XX/XXXX Report, BOAs current exposure to NOTIONAL derivatives is about {$12.00} dollars per dollar ( total BOAs assets {$1.00} XXXX, derivatives {$20.00} XXXX ) which BOA made by selling my home for at least 12 times more than the amount financed though their table financing practices. \nBased on my very modest estimate, BOA and their co-conspirators XXXX, XXXX and their owners XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ( who forged my loan documents ) all made very substantial profits reselling my identity, in the total amount at least {$20.00} dollars per dollar and made at least {>= $1,000,000} based on $ XXXX appraisal. \nTherefore, BOA owes me at least 20 % royalties from trades, or {$580000.00}, which is customary royalties paid by oil and gas companies to land owners. \nDespite the fact that BOA never lent me a single cent ; and collected very substantial profits from trades ( on top of tax-free gifts I make them each month ) BOA on numerous occasions claimed some rights to my property while failed to identify which rights BOA might have ; under which law ; and in which capacity. \nOn their most resent respond BOA again evaded any answers to my direct questions and falsely stated that my concerns were addressed by their lawyer on XX/XX/XXXX. \nI disagree. BOA, whose headquarters are in North Carolina, but who sends me letters from their California XXXX XXXX office hired unethical and professionally incompetent Pennsylvania lawyer who is not licensed neither in NC or CA or MI to address a debt collection and property rights dispute located in Michigan. \nBOAs lawyer not only does not have a legal license to practice law in any of these states MI, NC or CA but created more concerns since he insisted that BOA claims rights to TWO of my loans while I am only aware of one. \nI respectfully request CFPB to submit my complaint and demand for explanations to Bank of America which rights BOA claims to my loan ; under which law BOA claims its rights ; in which capacity BOA claims its rights ; and to which second loan BOA claims its rights if I only have one loan. \nI also demand BOA to pay me royalties from all trades involving my property ( based on {$140000.00} amount in trade bets ) ; refund me all illegally collected money ; and compensate me for all damages, including treble damages for fraud ; racket ; ect. total {$5.00} XXXX in damages. \nBest regards XXXX XXXX","date_sent_to_company":"2019-10-28T11:11:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3419774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-10-28T11:02:04.000Z","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":["BOAs lawyer not only does not have a legal license to practice <em>law</em> in any of these states MI, NC or CA but created more concerns since he insisted that BOA claims rights to TWO of my loans while I am only <em>aware</em> of one."]},"sort":[8.2374115,"3419774"]},{"_index":"complaint-public-v1","_id":"6889167","_score":7.869419,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This event began on XX/XX/XXXX at approximately XXXXXXXX XXXX  It all started when a friend of mine was going to pay me for something that I got for him, food. He wanted to pay me in cash but I said no because I always lose the change. I suggested to him that he should download XXXX and pay me with XXXX but he said no. So I remembered that he had XXXX and I said XXXX owns XXXX so you have nothing to worry about as far as security. I said okay pay me with XXXX. XXXX does not charge any processing fees for payments between friends. I assumed, wrong, that XXXX would do the same. When he sent the money to me by his phone I was short changed about XXXX cents. It was processing charges. He offered to pay me the XXXX cents but I said no I would call up XXXX. I then proceeded to go on my phone and ask XXXX for a XXXX phone number to reverse fees. XXXX immediately, as it always does, brought me to a web page which had the number that I called. Except this number was not truly a XXXX number. It was the bad guys masking as XXXX. \nContinuing forward, this man who I shall call XXXX, was witness to all of this as I was at his house. He witnessed it all until approximately XXXX minutes after XXXX Eastern time that day. It was then that he left and I left to go home. I do not think that any damage was done at that time. Attempts were made however they failed possibly because the bad guys after I had downloaded on my XXXX  phone the app called any desk. They assured me that this was necessary to validate who I was. It was for their security as well as mine. The person I was talking to was very experienced. He had all the right answers to all of the questions before I asked them. I even complimented him at some time as to how good and how knowledgeable he was with XXXX. Now picture this of me now after having said the previous hitting my head with a hammer. A few times during our connection the connection broke and he said it was because of them having server problems. When a person downloads any desk and when it boots up the program assigns a XXXX digit code to the user. Unfortunately the next day after I had a visit from the investigating officer of the XXXX State Police, who did see this number, but neither he nor I had the awareness to take a screenshot and record the number. With technology as good as it is today I feel most certain that the software engineers of XXXX know that a transaction was being conducted through a third party software. That night I researched any desk and it is widely acclaimed as being the best software being used by professionals in the repair of computers and remote installations. This does not say that any desk is bad. It is primarily being used by the wrong people, the bad guys. I have screenshots of the time I spoke to them at both their XXXX supplied phone number and the number that I called back because they called me back when they lost the connection when my friend went to the dentist. I stayed at his driveway as they continued to work with me. They were very very good. They were very very professional and polished. I am not sure if we were still doing XXXX at the time. They had failed with XXXX where later they succeeded with XXXX. From my limited experience I think that XXXX XXXX or XXXX had better security. However during this time, unknown to me, and definitely not authorized by me there was another security breach. Through that program any desk applied for me a credit card from XXXX. It was closed within hours after I discovered through emails that it was live virtually that I believe by using a XXXX  reader I could initiate it. They also said, in the XXXX credit card email that a physical card was being shipped. When I did speak to XXXX credit card which is being authorized by XXXX XXXX they were most helpful. Evidently, these bad people have done this before. When I saw a credit card on my screen I asked where did this come from and the person I was speaking to said that it was only a dummy credit card. It is a place where we can transfer the money to verify you. It is only used for holding for a short period of time in order that we can be sure it's a secure transaction. It certainly sounded logical to me because these guys were good at security. The dummy was me for listening to them and believing. \nIt is certainly safe to say that the above is or was identity theft. \n\nAs they were not successful in using XXXX to verify me with their XXXX server they asked if I use XXXX. I said I have XXXX but I rarely use it. I then thought a little bit and realized that Bank of America had XXXX  available. First, I did not know my XXXX password combination for Bank of America and I was afraid that I may put down the wrong information and get locked out. They encourage me to give it my best shot as they are there to help me get my XXXX cents back. As I write this now I really feel like a dunce. Moving on as this form which I have presented to the CFPB is getting rather lengthy I was successful in getting the correct username password. Let me remind you, that on my telephone screen there was the app any desk and on the top of the app was the identifier of whom I was communicating with. And that showed it read the icon and lettering for the XXXX server. All of this would never have happened if XXXX did their homework and did not accept the phone numbers that were given to them by the bad guys. That phone number which was the toll free phone number has been given to the investigating officer with the XXXX  State Police. I even had him call the number when he was with me to see what would happen and it was dead. It actually became nonexistent of which I have proof to show through screenshots of my attempts to call it on my cell phone. The one time that it was going dead it actually answered something like a phone number not available XXXX. I was very surprised when I heard the name XXXX. It may be that XXXX supplies numbers for a fee to people to promote their advertising of which I am sure they make a substantial profit. So in my opinion XXXX is also responsible in my case for my problem. If they had researched the number before they had it presented they would have found that it was a scam. Just the fact that the bad guys requested {$990.00} the first time and then came back 2 minutes later and requested {$990.00} to be transferred to the same person or entity should have been a trigger for security at Bank of America XXXX. If you look at my records with XXXX I have only used it one time before and I think it was for under {$20.00} and I believe it was for my son. Having a request for two withdrawals within minutes, maybe seconds for almost the same amount of money in itself is strange. And I believe, and I am sure that you can find out, that requests under {$1000.00} are not aggressively checked for fraud. That's why those greedy guys try to get the u from their live catch. And I ask you why can not there be a cooling off period of at least 6 hours that a reversal could be done. These money transfer apps are designed for the fraudster. \n\nWhen I finally realized that I was duped I hung up on them. Immediately I was getting repeated return phone calls and I did not pick up but I can see their phone number on caller ID. I gave this phone number also to the investigating officer. I immediately drove to my house which was about XXXX mi away from where I was talking to them and the purpose for that was to call on a dedicated landline Bank of America. As if they were waiting for me when I called it went right to the fraud department. Bank of America knew that I was being duped. Yes I did not have to go through a menu put in my social security number or anything I was switched immediately to the fraud department. I immediately told them what had happened and I was amazed and I assumed, wrongfully so, that I could do something like a stop payment. They took my information down and even as I was talking to them they were still trying to call my home phone number which I had given to them in case we got disconnected. That of course, was before I realized that this was not XXXX servers. I have right on the internet that this has been going on with any desk and XXXX servers. It should be easy to follow the money and where it went to and to enforce the laws which we already have about fraudulent activity and possibly money laundering. I implore you the CFPB to listen to the senators XXXX XXXX, XXXX XXXX and senator XXXX and do what is necessary to prevent all the theft which is happening because of inadequate security on the XXXX  platform. \nThank you","date_sent_to_company":"2023-05-02T12:49:35.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"179XX","tags":"Older American","has_narrative":true,"complaint_id":"6889167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-04-25T18:29:51.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I immediately drove to my house which was about XXXX mi <em>away</em> from where I was talking to them and the purpose for that was to call on a dedicated landline Bank of America. As if they were waiting for me when I called it went right to the <em>fraud</em> department. Bank of America knew that I was being duped. Yes I did not have to go through a menu put in my social security number or anything I was switched immediately to the <em>fraud</em> department."],"issue":["<em>Fraud</em> or scam"]},"sort":[7.869419,"6889167"]},{"_index":"complaint-public-v1","_id":"7750667","_score":7.6852894,"_source":{"product":"Mortgage","complaint_what_happened":"My husband and I moved here in XXXX and we started the purchase process for our new home located at ( lot XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX in XXXX of XXXX. We put down {$15000.00} at closing and that left {$210000.00} that extended our credit 12 CFR ( XXXX ) XXXX. We were not aware that this put a first lien on our home, XXXX XXXX. Now they want to foreclose on me, with this new contract I received today, and I was doing what I was guided to do by Shellpoint. The down payment was part of our anniversary gift. We closed on XX/XX/XXXX. My husband XXXX. XXXX XXXX passed away on XX/XX/XXXX. He never had a chance to enjoy our home, because he was so sick, he was XXXX  for 8 months prior to his passing away. We worked hard for this home, not to be taken away due to so many breaches of contracts. I knew that I had to get all my business in order after the loss of my husband, so I called Shellpoint and asked what our payment was and about some concerns I had seen in our contract. I noticed the MIN # XXXX and below that XXXX phone # XXXX so I called on XX/XX/XXXX, and asked can you explain what a XXXX is, I did not get her name, she proceeded to say we monitor your mortgage payment, \" I asked what my standing payments look like, and I asked this because our contract was sold to a debt consolidation agency Shellpoint '', and she said XXXX I can not help you, you need to call your Mortgage company. I said XXXX, they are not willing to answer my questions, and you just told me that you monitor mortgage payments, so why can I not get my information? She got nasty and said I am ending this call and hung up on me. In my contract, it states \" XXXX  '' is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is a separate corporation that is acting solely as a nominee for Lender and Lender 's successors ( thats me ) and assigns. XXXX  is the mortgage under this Security Instrument. Lender \" XXXX XXXX XXXX ''. So I reported this to XXXX on XX/XX/XXXX and heard nothing back from them so I sent them another report, but this time I scheduled an appointment for XX/XX/XXXX, at XXXX XXXX  XXXX, I waited for a couple of hours and received an email that they wanted me to call them at XXXX XXXX. Now this was already about XXXX on XX/XX/XXXX, so I called the number they left on the email and left a message. At approximately XXXXXXXX XXXX  XXXX a gentleman called me and he said his name was XXXX and how he could help. I explained to him my experience when I called XXXX  and he said that he could not help me and that everything on the site is free information, yes sir that is true, however, there is a place where you can file a complaint and that is what I did and you're telling me that there is nothing that you can help me with, no XXXX. He told me to go back online and file an audit complaint. There is a fee for that. I said wait a minute you're saying you can not help me, and I need to pay for a service to get help. This is why I filed a complaint. He said mame call XXXX at XXXX and tell him XXXX sent you bye. Wait wait sir I am not done, so there is nothing that you want to help me with? No bye, XXXX was very short and rude. So as I continued looking over our contract I came across many discrepancies. It came to my knowledge about forbearance. I was able to make XXXX, XXXX, and XX/XX/XXXXXXXX  payments of {$1500.00}, then I was struggling, so they said because of my loss they could help me out with a forbearance they asked if this would help, and I said please explain, so they went on to tell me this is because you're in a hardship and we want to help you out because we know how this has and can affect you. Now what they did not say was that this was going to have to be paid back and or added to the back of our loan. So as a grieving widow, I put all my trust in them, because I felt they were protecting me and our XXXX XXXX, and our best interest was that this is our primary home, however, they have me in default and foreclosure and I want to know how and why? So as I continued to read our contract line per line I noticed many things. First off \" banking is NOT money lending ; to lend, a money lender must have money. The fundamental banking activity is accepting, that is, guaranteeing that some party is creditworthy a bank, by accepting a debt instrument, agrees to make specified payments if the debtor will not or can not 12 USC 1431. So then who did we borrow this money from? XXXX XXXX XXXX XXXX XXXX then sold it to XXXX XXXX XXXX  then they sold it to NewRez, and now NewRez has sold it to Shellpoint, a debt collecting agency. Now the ONLY contract we ever signed was XXXX XXXX XXXX, so right there are 4 new contracts one is incomplete without the signatures of either myself, my late husband, our attorney, or the underwriter, and the other 3 contracts where are they? What is the statute of limitations for breach of contract in Illinois? The general rule is that you have five years to sue on an unwritten ( oral ) contract or agreement and ten years on a written contract. The day we were signing our contract the Notary was not present. I asked where she was and the attorney said she would sign and notarize all documents later, I said by law she has to be here to witness and verify our signatures, and our attorney said it was okay ( Security Fraud ). I have noticed that our contract had been sold multiple times and we were not aware, nor did we sign a new contract with the newly established mortgage company NewRez or Shellpoint. Then our contract was sold to a debt collection agency in an attempt to collect a debt. \" Newrez LLC dba Shellpoint Mortgage Servicing is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Newrez LLC dba Shellpoint Mortgage Servicing 's NMLS ID is XXXX. '' Shellpoint Mortgage servicing utilizes third-party providers in connection with the servicing of your loan. Every time I ask about this they have lied to me and say they are not a debt collecting agency. They will not give me a reason as to why that is. I said I have never been late nor am I behind so why am I in collections? XXXX said that they work within NewRez therefore they are not a third-party debt collector, but any debt in collections is a third party. I have found so many breaches of contract XXXX ILCS XXXX. XXXX negligence contributing to forged signature or alteration of the instrument, where they forged my son 's initials 5-109 Fraud and Forgery, time at our previous residence was incorrect, and our SSI amounts that we made, they put my husband as making {$1600.00} and he was ONLY making {$1200.00} and had me at making {$1900.00} and I only made {$900.00}, they took our SSI award letters and did ( security fraud ) by changing the number to fit their numbers, XXXX. SSA UCC Article 8 Investment Securities ( 1994 ). 8 U.S. Code 1324c - Penalties for document fraud They said that our son was a dependent and that is not true. Documents were not signed, and our names were not done correctly First, Middle, Last. No signature from our attorney. The Affidavit of Title is not our name. We are not dead XXXX XXXX XXXXXXXX ( not subject to military law ) I am a living person XXXX  XXXX I do not identify as 14th, nor the 16th amendment. Why is my husband 's name ONLY on some of these pages of the contract if we both should be on all documents and why did they have to use our son 's name and social Security status? Again to finagle with the contract ( security fraud ). \nWhen we signed our contract we were NOT told that they put a lean out on it, when they said we were approved for the loan no money was exchanged into our hands that is where the lean came from. 12 USC 8 3A when we signed our documents on XX/XX/XXXX, within 45 days from that date our home was paid in full, with our XXXX XXXX. ( security fraud ) what they did was monetize our loan behind our backs. What does monetize mean? In the banking sector, monetize may be used to mean the process of turning an asset into legal tender. It can also be used informally to mean the exchange of possession for a cash equivalent such as charging fees for intellectual property or selling a security interest. What do you mean by legal tender? \nLegal tender is anything recognized by law as a means to settle a public or private debt or meet a financial obligation, including tax payments, contracts, and legal fines or damages. What is the exchange of possession for a cash equivalent? Cash equivalents are securities that are meant for short-term investing. Normally, they have solid credit quality and are highly liquid. True to their name, they are considered equivalent to cash because they can be converted to actual cash quickly. Credit quality is a measure of the financial solvency of an individual or an entity such as a company or a government. Specifically, it is an evaluation of the ability of that person or entity to repay their debts. \nOur very own trust money was what paid for the down payments and the loan, however, there should have been no down payment 12 CFR ( XXXX ) XXXX, if our credit was extended 15USC 1662. So Shellpoint is double dipping and wants more money. On legal documents, our attorney scratched out our information and put her information ( security fraud ) ,8 U.S. Code 1324c - Penalties for document fraud. \nIt also states that we purchased this property ( lot XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX for {$10.00}. How can we qualify for FHA Loan # XXXX MIC # XXXX ( first-time home buyers ) 42 U.S. 12852 when this is our 3rd home purchase? And also have a HUD Addendum to Uniform Residential Loan Application? Now we are at 6 breach of contracts. We were never aware of a HUD Application Loan and there are NO signatures. Part IV ( page 3 ) Direct Endorsement Approval for a HUD FHA- Insured Mortgage was NOT signed by the underwriter, nor was the Mortgagee 's Certification signed nor dated there are 8 breaches of contract and that number keeps increasing. There were documents that were not in our package that I found online and printed them and they were important documents. Our payment statements came as follows : XXXX XXXX XXXX XXXX. After my husband passed I sent them his death certificate within 5 business days and he passed on XX/XX/XXXX, and on XX/XX/XXXX, everything started coming as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 9-202 Title to Collateral Immaterial, my contract says that I have given my home ; my primary residence as collateral, no I did not, and again was not explained. I have a XXXX XXXX son. I would never agree to something like this. When we went in to sign these documents our attorney was speaking so fast that we did not know or understand and when we asked questions she would get frustrated and say we needed to hurry up. I have another appointment. My husband was very sick ; he was XXXX. At this point, he was just doing what our attorney was asking because he was so tired and needed to get back home. \nBack on XX/XX/XXXX, I called Shellpoint and spoke with XXXX XXXX. I asked her for a copy of my entire contract with them, not once was anything mentioned to me that my home was in foreclosure or default 15 USC1692 ( 1 ), which I knew there wasnt a contract because we never signed any new contracts. However, she said I would send you the closing documents, I said no I want the entire contract from A-Z, and she said I would receive it in 7 days, here we are on XXXX the XXXX and I do not have that contract, however, I have a new contract loan # XXXX that was delivered today XX/XX/XXXX, by XXXX for {$20000.00}. I called Shellpoint and spoke with XXXX XXXX. I asked her what this new claim was for and she said that it was for the {$20000.00} to be added to the back of your loan, then why did you take out another contract ( bond ) if this was going to the back of my loan :? Now again this has extended my credit 12 CFR ( XXXX ) XXXX, upon my knowledge as of today. This was never brought to my attention until today, you said that I qualified for this new program, and that was it. How did I qualify for this loan? XXXX said those are the questions I asked you over the phone. I said are you serious? You did not explain what you were doing nor inform me that this is what you were doing, and I just got this new claim in the mail. Who is the XXXX? XXXX said that it is the program that you qualified for, how when I did not authorize this and my credit score is in the low XXXX and I have tried to get a loan at the bank and was denied because of my credit, so please tell me how I qualify for {$20000.00} because I don't, I only receive {$19000.00} a year from SSD, again ( security fraud. ) I was never told that this was the process that they were taking, they said I quote \" This is going to the back of your loan '', so you want me to pay an additional {$20000.00} on top of {$210000.00} which comes to a grand total of {$230000.00} To which I did not agree too. She said this changes nothing about your existing loan, but it does because the numbers do not add up. If I take this even further in my contract it states by the end of my maturity date XX/XX/XXXXXXXX  we would have paid {$340000.00} thats without this new claim. At the end, I am going to put some numbers together and they do not add up. There are no numbers the same. Where is this application that I called about? That you said I qualified for and Yalls approved me? I never signed anything, but their cover letter says I quote ; ( Congratulations, you are approved for a Standalone Partial Claim. ) Their form of application is talking over the phone and answering some questions. I said no, that is not an application XXXX, I didnt autograph anything giving you or your corporation to approve me or to extend my line of credit 12 CFR ( XXXX ) XXXX. \nWhat does claim mean state or assert that something is the case, typically without providing evidence or proof. I told XXXX I wanted the contract that I requested back on XX/XX/XXXX, to be XXXX  out to me and she said I could not do that I said I have the right to request what's mine and how I want it delivered, she said that's impossible. Okay, I understand no worries I'll go Public and Press the Record. Here they are still claiming off my deceased husband. We recently completed an evaluation of your application, for loss mitigation ( the action of reducing the severity, seriousness, or painfulness of something. ) assistance and we are pleased to inform you that you are approved for a standalone Partial Claim, what application? I filled nothing out nor agreed in writing, meaning to make a contract it takes 2 people 2 signatures. She gave very detailed instructions on filling out this new contract that I did not agree to. I was to date everything as it is dated on the contract XX/XX/XXXX, ( security fraud ) and we know that is not the correct date, ( ALL dates on signature lines and acknowledgments must MATCH ). \nAt the top of page 1 of 3, it says in bold lettering ( ILLINOIS PARTIAL CLAIM NOTE SECONDARY LIEN ) What is a second mortgage loan or \" junior-lien ''? A second mortgage or junior lien is a loan you take out using your house as collateral while you still have another loan secured by your house. I did not agree to this, and this was not discussed with me on the phone so, XXXX XXXX said you qualify for this new program, instead of paying all this lump sum of {$19000.00} we are going to just tack it to the back of your loan. Then why do I have a new contract? That I did not consent to? \nA standalone Partial Claim is a XXXX-interest, so why is this {$20000.00} if there is NO interest as of XX/XX/XXXX, it shows {$19000.00} there is a difference of {$500.00}, and this is a subordinate lien from the U.S. Department of Housing and Urban Development ( HUD ) and has to be paid in full upon maturity of the primary note on or before XX/XX/XXXX, primary note and related mortgage, deed or similar Security Instrument are no longer insured by the Secretary. My husband and I locked in our interest rate and payment, for our protection so it could only go down never up. They have my payments going up to {$1500.00}, but this new contract loan # XXXX statement says I can resume making EXISTING monthly payments and that is in the amount of {$1500.00}. And she said that {$1500.00} is for XX/XX/XXXX, starting XX/XX/XXXX, your new payment will be {$1500.00} for a year then it will go down to {$1500.00}. Wait BUT you just told me that nothing in the existing loan changed, but it has in so many ways, without my authorization or autograph. You're telling me this is not a new loan but on this new claim that you just sent me for the {$20000.00} then why does it have the word borrower? What does the word borrower mean? For the purpose of this subsection, the term borrower means an individual who is a new borrower on the date such individual applies for a loan under this part for which the first disbursement is made on or after. 20 USC 1087e ( f ) ( 3 ) So this is telling me there has been a change, Where's that change on paper? ALL this is from losing not just my husband, but loss of his income. This is what Shellpoint called Forbearance. So on this new contract, they are still claiming on my deceased husband 's SSI # and you can not claim on a dead person, why is his name not on this new contract whether he was the head of household deceased or not, because you said, XXXX XXXX, that this doesn't change the existing contract, but it does, because youre still using his SS # and his information. How can I qualify for this loan when I ONLY make {$19000.00} a year? seized In a legal context, seized may be used to refer to a situation in which the government has taken forcible possession of the property, as in seized property. For instance, the US Department of Treasury makes auctions of seized property for sale throughout the United States. So you're taking something that is legally mine as a consumer because it was fully and totally paid for when we signed our documents within those 45 days. Page 3 of 5 in bold writing ( REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGE OR DEEDS OF TRUST ) 15 USC1692 ( 1 ) this is news to me, no one has brought this to my attention, nor have I seen any paperwork in regards to default, foreclosure, nor have I seen any paperwork that this has EVER been sold to a DEBT COLLECTION AGENCY, as a consumer I have those rights. \n\n\n{$210000.00} ( credit ) if these are credits why are they adding and not misusing + {$12000.00} ( credit ) ______________ {$230000.00} ( total ) this should read {$200000.00} {$230000.00} - {$15000.00} ( down payment ) __________________ {$210000.00} ( tota ) {$230000.00} ( new amount ) + {$20000.00} ( new claim as of XX/XX/XXXXXXXX  ) _________________ {$250000.00} ( total ) {$340000.00} ( this is what we will pay at the end of the term w/o the additional {$20000.00} ) {$20000.00} ( new clam XX/XX/XXXXXXXX  _________________ {$360000.00} ( this will be a 30-year maturity in XX/XX/XXXXXXXX  )","date_sent_to_company":"2023-10-24T06:00:14.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"60046","tags":null,"has_narrative":true,"complaint_id":"7750667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-10-24T05:32:29.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["I asked where she was and the attorney said she would sign and notarize all documents later, I said by <em>law</em> she has to be here to witness and verify our signatures, and our attorney said it was okay ( Security <em>Fraud</em> ). I have noticed that our contract had been sold multiple times and we were not <em>aware</em>, nor did we sign a new contract with the newly established mortgage company NewRez or Shellpoint."],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[7.6852894,"7750667"]},{"_index":"complaint-public-v1","_id":"3417280","_score":7.3973527,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was on XXXX XXXX looking at pre-approved auto refinance. Came across an ad by XXXX XXXX. It was talking about loan rates, so I feel in some financial information, but didnt enter anything on the credit check or social security form as I didnt want a hard credit check or application done. Next thing I get is an alert that a hard pull was done without my social by a finance company called XXXX XXXX. I called them and told them I never did a real credit check or gave my social number and this was illegal and fraud. Pictures attached. I have since spoke to XXXX XXXX   that they falsely advertised, this was fraudulent and negligence by them. \n\nHere are the emails from both sides. \n\n\n\nWarm Regards, XXXX XXXX forwarded message : From : XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Cc : XXXX Subject : No hard credit pull- willful negligence on your company Warm Regards, XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote : <image.png> Warm Regards, XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote : You have been reported to the United States government. \n\nThey have copies of all emails and your false advertising. \n\nI am seeking damages and criminal charges against you Warm Regards, XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote : Please forward this email to your executive team. \n\nIt appears your company invested in XXXX. \n\nXXXX has done false advertising and committed fraudulent credit pulls Warm Regards, XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote : XXXX XXXX- I am sure XXXX XXXX  will not be happy when he sees your false advertising with XXXX XXXX that was supplied to you. \n\nWarm Regards, XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote : Was told false advertising and illegal credit pulls are ok with executives and you dont care about false advertising and breaking the law. \n\nYou will see you false and negligence advertising that you acknowledged. \n\nWarm Regards, XXXX XXXX forwarded message : From : XXXX   Customer Service XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX Subject : Re : Ticket # XXXX : Re : I have a question XXXX Reply-To : \" XXXX Customer Service '' XXXX Your ticket is now solved! \n\n\n\nRe : I have a question XXXX XXXX Thu, XX/XX/XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX XXXX XXXX You are scam and lier and will go to jail Warm Regards, XXXX XXXX Thu, XX/XX/XXXX XXXX XXXX You have now hung up 7 times of me, when I say who I am. \n\nWarm Regards, XXXX XXXX Thu, XX/XX/XXXX XXXX XXXX  XXXX, Been on the phone 10 minutes waiting for you. \n\nNever got a call from an executive as you promised. \n\nAnother willful negligence violation Warm Regards, XXXX XXXX Thu, XX/XX/XXXX XXXX XXXX Punitive damages Read in another language Edit Punitive damages, or exemplary damages, are damages assessed in order to punish the defendant for outrageous conduct and/or to reform or deter the defendant and others from engaging in conduct similar to that which formed the basis of the lawsuit. [ 1 ] Although the purpose of punitive damages is not to compensate the plaintiff, the plaintiff will receive all or some of the punitive damages award.\n\nPunitive damages are often awarded if compensatory damages are deemed an inadequate remedy. The court may impose them to prevent undercompensation of plaintiffs and to allow redress for undetectable tortsand taking some strain away from the criminal justice system. [ 2 ] Punitive damages are most important for violations of the law that are hard to detect. [ 3 ] Warm Regards, XXXX XXXX Thu, XX/XX/XXXX XXXX XXXX  Punitive damages Read in another language Edit Punitive damages, or exemplary damages, are damages assessed in order to punish the defendant for outrageous conduct and/or to reform or deter the defendant and others from engaging in conduct similar to that which formed the basis of the lawsuit. [ 1 ] Although the purpose of punitive damages is not to compensate the plaintiff, the plaintiff will receive all or some of the punitive damages award.\n\nPunitive damages are often awarded if compensatory damages are deemed an inadequate remedy. The court may impose them to prevent undercompensation of plaintiffs and to allow redress for undetectable tortsand taking some strain away from the criminal justice system. [ 2 ] Punitive damages are most important for violations of the law that are hard to detect. [ 3 ] Warm Regards, XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX Please forward this to XXXX, XXXX and all executives. \n\nI better get a call by XXXX from an executive with a check number and tracking for my damages of {$2500.00} for Friday delivery, confirmation your illegal and negligence was corrected by tomorrow and letter confirmation from Experian that hard pull was removed.\n\nCopy of the basic laws. If you dont want to follow I will call the police for fraud, false advertising, damages to my personal credit line and ask for arrests.\n\n-Basic Damages ( pick one ) : actual ( provable ) damages ( no limit ), or statutory damages damages between {$100.00} and {$1000.00} ( to get these you don't have to prove that the violation harmed you ).\n\n-If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of : your actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ). \n\n-Punitive damages, as decided by the court. \n\n-Attorneys ' fees and costs. \n\nDefinition of Willful A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. \n\nDamages for a Negligent Violation You are also entitled to damages if you can show that the CRA or other entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), and attorneys ' fees and costs. \n\nWarm Regards, XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX  Please forward this to XXXX, XXXX and all executives. \n\nI better get a call by XXXX from an executive with a check number and tracking for my damages of {$2500.00} for Friday delivery, confirmation your illegal and negligence was corrected by tomorrow and letter confirmation from Experian that hard pull was removed. \n\nCopy of the basic laws. If you dont want to follow I will call the police for fraud, false advertising, damages to my personal credit line and ask for arrests. \n\n-Basic Damages ( pick one ) : actual ( provable ) damages ( no limit ), or statutory damages damages between {$100.00} and {$1000.00} ( to get these you don't have to prove that the violation harmed you ).\n\n-If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of : your actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ). \n\n-Punitive damages, as decided by the court. \n\n-Attorneys ' fees and costs. \n\nDefinition of Willful A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. \n\nDamages for a Negligent Violation You are also entitled to damages if you can show that the CRA or other entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), and attorneys ' fees and costs. \n\nWarm Regards, XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX  Warm Regards, XXXX Begin forwarded message : XXXX Wed, XX/XX/XXXX XXXX XXXX  Warm Regards, XXXX Attachments : XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX Please confirm the check number and tracking information for the {$1000.00} you owe as of today. \n\nSee below : If a violation does occur, consumers may be entitled to the following damages : Actual damages. There is no limit to this amount, as long as you can prove the loss. \nStatutory damages. These damages range between {$100.00} and {$1000.00}. ... \nPunitive damages, with no limit on how much. ... \nAttorney 's fees and costs. \n\nWarm Regards, XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX I have called your toll free 4 times and zero doesnt work have an executive call me now. \n\nWarm Regards, XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX In addition you lied. \n\nIt was never reversed at all. \n\nSend me proff. \n\nWarm Regards, XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX  I have called him for 2 weeks to have this fixed. Everyday. I dont believe that story.\n\nYou defrauded me and others.\n\nWhere is my check for {$1000.00} in damages as per fair credit act.\n\nThis is unacceptable and is damaging me more every day.\n\nI want this fixed today and my check sent overnight.\n\nHave an executive call me ASAP Warm Regards, XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX Hello XXXX, Unfortunately XXXX is out of the office for the rest of the week. However, we are aware of your request and it still being worked on. Unfortunately, there is no exact time period to expect this to change due to it taking a few weeks to reflect. However, once this issue is solved, you should see it reflect on your credit file and you should also receive a notice in the mail. \n\nIf you have any questions, feel free to call our customer service representatives at XXXX. We are available Monday through Friday, XXXX XXXX CST - XXXX XXXX CST and Saturday, XXXX XXXX CST - XXXX XXXX CST. When the phone menu starts playing, just press 0 and you will be sent to a live representative. \n\nYour application number : XXXX Thank you, Customer Service | XXXX, XXXX. \ntoll free : XXXX fax : ( XXXX ) XXXX email : XXXX Mon - Fri : XXXX XXXX XXXX XXXX XXXX  CST Sat : XXXX XXXX XXXX XXXX XXXX  CST XXXX Wed, XX/XX/XXXX XXXX XXXX  XXXX, Where is my return call? \n\nYou owe me {$1000.00} in damages and face {$40000.00} fraud fine. \n\nYou were sent evidence that no hard pull will done, you falsely advertised. \n\nWarm Regards, XXXX XXXX XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX  XXXX, I have been waiting for your return call that the illegal hard pull has been removed. I sent you your advertising that clearly states no hard pull. That was false advertising. \n\nYou said you spoke with the head of compliance at your company and this would resolved. \n\nI have called you 10 times with no response. \n\nThis is a {$40000.00} fine to rate genius and you owe me damages of at {$1000.00} to date. \n\nWarm Regards, XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX XXXX XXXX  Here is your false and fraudulent advertising. Where is my call from management. \n\nWarm Regards, XXXX Attachments : XXXX XXXX Tue, XX/XX/XXXX XXXX XXXX Where is the call your manager promised me yesterday??? \n\nWarm Regards, XXXX XXXX Tue, XX/XX/XXXX XXXX XXXX Warm Regards, XXXX Attachments : image.png XXXX Tue, XX/XX/XXXX XXXX XXXX   Warm Regards, XXXX Begin forwarded message : XXXX Tue, XX/XX/XXXX XXXX XXXX  You have not provided me any documentation No harassment here, you lied and committed fraud. \n\nI was never told it was credit report and a hard pull you were evidence. \n\nWarm Regards, XXXX XXXX Tue, XX/XX/XXXX XXXX XXXX  Mr XXXX Please call me ASAP about fraudulent behavior and illegal pulls by Mr. XXXX who failed to produce documents and blocked my emails. \n\nThis a crime Warm Regards, XXXX XXXX XXXX Warm Regards, XXXX XXXX Tue, XX/XX/XXXX XXXX XXXX Warm Regards, XXXX XXXX Tue, XX/XX/XXXX XXXX XXXX Warm Regards, XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX Warm Regards, XXXX XXXX forwarded message : Attachments : XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX Warm Regards, XXXX Attachments : XXXX XXXX XXXX XXXX XXXX   XXXX Mon XXXX XX/XX/XXXX XXXX XXXX  Warm Regards, XXXX Attachments : image.jpg XXXX Mon , XX/XX/XXXX XXXX XXXX This is fraudulent behavior and advertising. \n\nI never gave you my social security number yet you illegally obtained it and gave it out. \n\nI have called XXXX XXXX and requested that an investigation be done and your company fined and shut down. \n\nHave an executive officer call me ASAP Warm Regards, XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX  This is fraudulent behavior and advertising. \n\nI never gave you my social security number yet you illegally obtained it and gave it out. \n\nI have called XXXX XXXX and requested that an investigation be done and your company fined and shut down. \n\nHave an executive officer call me ASAP Warm Regards, XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX Dear XXXX, Thank you for contacting XXXX auto refinance. \n\nAn application was submitted through one of our partners, XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. According to their terms and conditions, by pressing the submit button on the online application, you gave express written consent for us and/or our lenders to retrieve your credit file. This was an attempt to refinance a XXXX XXXX XXXX. \n\nWe can only remove inquiries in the instance of fraud  or identity theft. If you feel it was not you who submitted the application, you would need to file a police report and fax it over to us. Once we receive that we will forward the police report to the credit bureau for further investigation. Unfortunately, we will be unable to remove inquiries for any other reason. \n\nIf you have any questions, feel free to call our customer service representatives at XXXX. We are available Monday through Friday, XXXX XXXX  CST - XXXX XXXX  CST and Saturday, XXXX XXXX CST - XXXX XXXX  CST. When the phone menu starts playing, just press 0 and you will be sent to a live representative. \n\nYour application number : XXXX Thank you, Customer Service | XXXX, XXXX. \ntoll free : XXXX fax : ( XXXX ) XXXX email : XXXX Mon - Fri : XXXX XXXX XXXX XXXX XXXX XXXXST Sat : XXXX XXXX XXXX XXXX XXXX  CST XXXX Mon, XX/XX/XXXX XXXX XXXX  I am still awaiting a call, a reverse pull, an apology or I will pursue all possible recourses. \n\nXXXX XXXX was also advised that their advertising by that company was miss leading and Fraud.\n\nBut you are ones that did a hard pull with no social security on application nor was it given to you. \n\nAwaiting an answer and written confirmation that you canceled your pull with a letter to Experian Warm Regards, XXXX Chat now Powered by XXXX","date_sent_to_company":"2019-10-25T06:36:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33432","tags":null,"has_narrative":true,"complaint_id":"3417280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-10-25T02:36:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The court may impose them to prevent undercompensation of plaintiffs and to allow redress for undetectable tortsand taking some strain <em>away</em> from the criminal justice system. [ 2 ] Punitive damages are most important for violations of the <em>law</em> that are hard to detect. [ 3 ] Warm Regards, XXXX XXXX Thu, XX/XX/XXXX XXXX XXXX  Punitive damages <em>Read</em> in another language Edit Punitive damages, or exemplary damages, are damages assessed in order to punish the defendant for outrageous conduct and/or to reform"]},"sort":[7.3973527,"3417280"]},{"_index":"complaint-public-v1","_id":"12759789","_score":7.3209553,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX\nI have been fighting Comenity bank since XXXX XXXX XXXX because they are trying to force me to pay for services I did not receive.  I have written numerous letters, talked to over XXXX  different people and got nothing but conflicting information.  They have destroyed my credit rating because they did not follow proper procedures when a cardholder reports a crooked merchant like XXXX XXXX XXXX  and whoever XXXX  XXXX  is. This bank is the worst one I  have ever dealt with since I have been doing  business, and that has been over 70 years. Why is this bank still allowed to remain in business? I have added excerpts from some of the customer complaints. Most of them have the same problem with Comenity. This is what they are doing: Comenity bank is using fraud and unethical practices to force cardholders to pay for services or products they do not receive. They use extortion to force them to pay and if they dont pay, Comenity will use black mail to force them to pay or they will destroy their credit rating. Credit ratings play a major role in every business transaction and Comenity knows this. These are some of the complaints: Comenity Bank Reviews THEY ARE CROOKS TO THE FULLEST. How could a bank like this still exist? No consequences. Where is the law? Is this the USA? Stay away from this bank. They charge for payments that don't go thru even though you get a conformation # from them. Got a janky answer from the manager that it take up to 15 day for them to get an answer.\nI have written three letters explaining this problem to this company but never receive a response!  I will not pay this bill; it is for a bogus account listing a bogus card, from a very disreputable company. DO NOT DO BUSINESS WITH THIS COMPANY!\nI'm sorry, but this is a fraudulent charge to me, and Comenity Bank has unethical business practices. This bank harassed me to pay it, they made collection calls and have been rude and distrustful even though I paid my account in full and closed the account. Helpful (0)\nEveryone should max out all their Comenity credit cards and refuse to pay. Most of the cards seem to be retailers and most people can live without retailers' cards. This will cause enough of a hiccup to get official attention to correct this corporation's thefts.\nThey would not work with me because they said the XXXX had been turned over to collections. I do not even owe this debt, and it is continuing to affect my credit score to the point where my home insurance doubled and is now XXXX more a year.\nThere I was, my car already serviced and Comenity told me to bring my card back when I received it and receive the service then!! I told Comenity, yeah Like this merchant is going to let me drive off and trust that I'll come back to pay for it, LMAO! I had to end up using another credit card I had and told Comenity to keep their card, dont mail it to me.\nPlease do not enroll with any credit card from Comenity Bank /Bread Financial. It is antiquated and a scam. There are some department stores that use them as well as XXXX Do not apply for anything with this bank.\nI can well understand why this \"joint\" has only 1 star rating. Comenity bank is usury at its finest. They are inconsistent, dishonest and scammy. Their accounts often include hidden fees and minimums. Payments will be applied randomly to multiple financed plans and their system does not have real time balance reporting. Their websites are trash. They will also randomly close accounts for no reason. Comenity: expect to be scammed.\nI used to have comenity bank with my XXXX  account and they were to difficult to deal with so I closed the account after they ruined my credit score on items I never bought. Now, I see they are doing the same thing with my XXXX  card. After i finally get out of the mess theyve made with that, I will never ever do business with any company that uses comenity, But since then Comenity bank calls 2 times a day and won't say anything when I answer. Checked them out and they are most likely a rip off scam company. They told us that we didn't pay the interest XXXX XXXX and all of the added fees. They sent us a bill - to our old address, again - and reported us again. Knock a hundred points off of our credit, zero confidence that they won't just do it again. AND when we were talking to them, the rep was rude, treated us like criminals, and hung up on us. Never again will I get anything from this bank. Never, ever, ever.\nComenity Bank is terrible, customer service rep's are just as bad. I purchased merchandise and donated XXXX to XXXX XXXX XXXX XXXX. I was not satisfied with the merchandise so I returned it. They credited by card all but the XXXX that I donated to XXXX XXXX. I later received a bill stating that I had a late fee. I did not have any other purchase on my card. They billed me late fees for XXXX months so I paid the late fee so it wouldn't impact my credit. The next month I received another late fee. My card is not late because I returned the merchandise. They are charging me monthly charges for the XXXX charges. I tried to dispute the matter.  I was given the wrong address, I had to contact the XXXX. This bank is definitely a SCAM. I'm closing my card and sharing my story on all social media platforms.\nComenity bank is such a scam you sent your money on time and they said oh no it takes 10 days to process so they give you late please I close my account immediately thank God the bogus late fees and interest charges which I am not going to pay I wish the companies that use them would not use them because I actually like the companies How come they are not aware of what a scam these people are? \n\nThey are quick to charge a late fee. I had a dispute with them and they never investigated it to get me a refund but the company I had a dispute with settled it later when I called the customer service number instead of the location of the disputed amount.\nPlease stay clear . This horrible greed . Plus I closed acct out last mth I pd it on XXXX XXXX they charged me late fee w acct closed in XXXX  said I may have pay another XXXX if interest from closed acct not pd by XXXX XXXX on closed out acct pd off XXXX bl just has pay interest fees today XXXX . Scammers very money hungry \nDO NOT GET INVOLVED WITH THESE PEOPLE!!! SCAMS. Got XXXX  credit card to buy a sofa XXXX my balance has never gone below that, no matter how much I paid. They now are FORCING account holders to give direct access to your checking account. Call customer service...you get charged XXXX to talk to someone.\nAny card I get I make sure it is not a commenity card. They are terrible, we received XXXX  calls a day on vacation for XXXX dollars. We were on tours and stuff and couldnt go thru getting the card out and writing down confirmations so we sent it to voicemail and took care of it at the hotel however it was ridiculous.\nThey will be hearing from my attorney and I am considering a class action lawsuit. STAY AWAY FROM COMENITY: THEY ARE FRAUDULENT THIEVES.\nI did not sign up for this terrible bank.I had a credit card with XXXX Well they changed my credit card to this terrible bank. Right away after the change I figured out how incredibly crooked Comenity bank is. They do not even have an App. They try to cheat people by making it very hard to find information. I paid off the entirety and will never do any business with them ever again. These kind of banks should never be allowed to operate. .Also XXXX  i am canceling your card After XXXX years just because you knew this bank was horrible but you were getting greedy and you thought you could get more interest and late payments from poor people that could not figure out how to find and understand how to pay this crooked scam company. Shame on you XXXX  for not caring anymore either.\nIm hiring a lawyer and I will go to the news. The store itself floor decor got hung up on and theres nothing they can do. I have my proof and I will not let them get away with this not even a star rating.\nI filed a dispute with them last XXXX  and they did nothing but kept telling that the dispute was still open but one is not supposed to pay any interest on account with a dispute.\nThey are shameless thieves...I was supposed to have paid my XXXX  card in full and after paying it off they charged me an interest of XXXX which rose in three months to XXXX dollars because they never sent letters or emails or text messages. They are the worst for credit cards, I don't recommend it. They are rats.\nJust like everyone else I would give 0 stars if I could. Worst bank ever and I am over XXXX years old so I have experience with banks. If you ever think about getting a credit card from this bank don't. You will have more issues resolving your problems than it is worth. They may even ruin your credit and no one including corporate wants to resolve any issues.\n\nIn XXXX  years of banking this bank is the WORST banking experience I have ever had ,of the 20 banks I have dealt with this one is rock bottom.I gave it a one star rating,if I could of I would of gave it a MINUS XXXX !!!  I owed them like XXXX  cents and the charged me a fine of XXXX plus interest ! I filed a complaint notice and got no response. When I got this ridiculous charge I paid it the next day just to get rid of it and then they hit me with a late charge and more interest !!! Their processing department must be the pony express. DO NOT OPEN AN ACCOUNT WITH THIS BANK, BE AFRAID BE VERY AFRAID !!!\nComenity Bank finds new ways to rob customers and charge interests that are not easy to understand, especially when you have the XXXX Credit Card and choose the 12-month financing option. Be careful and ALWAYS ALWAYS review your statements before making the payments. Comenity Bank is the worst Bank to deal with, they only care about taking money from you. They charge me XXXX as fees for one month, and I pay my card automatically every single month. Don't take any card from them, you will regret it!\n\nDo not apply for any kind of credit card unless you know what bank is being used for the credit. Comenity bank is a scam bank and will continue to charge you so called late fees long after you closed the account. They are also collections so they will turn it over to collections while you have no idea you owe money to a closed account. Complete scam.\n\nCrooked as can be. They do XXXXXXXX XXXX card and routinely send emails saying your payment is due on a certain date. When I go to pay in advance, late charges are already applied. I rarely receive payment emails before the payment is due. We have plenty of money. We just can't work with this company in a fair way.\n\nWe were with XXXX XXXX XXXX  XXXX. We were sold to Comenity and have had problems ever since. We pay our bill in full every month so I dont understand why when we use the card we are denied. This has happened to my husband very recently for the second time. I was also denied access on my card. Weve both been issued new cards and it happened again. Ive been embarrassed at the registerEnough is enough. They have been nothing but trouble.\nTerrible at best. I received a bill from XXXX  years ago that was payed ten tears ago. Comenity bank states that I am 4 months late on payments, but how can that be from a charge that was paid XXXX  years ago. Insane!!\nUse Comenity if you are BRAVE enough, so tired of arguing with them every month. Yes, they gives you headache at every month. Just when you are tired, they got a BIG piece of you without knowing it. It is not even qualified a legit bank to start with!!\nThey are a scam they take your Electronic payment from your bank account and say you did not pay. Then ask for your bank to send proof and say they never received that. And still want you to pay the bill even when its paid off.\n\nI have paid my bill consistently online and before the due date. They have no record of the payments and do not want to discuss it with me. I have tried to talk to their customer service but I could not understand a word they said. They finally hung up on me. I have told them I will not make another payment until they straighten out my account. Now I am receiving XXXX XXXX XXXX calls a day.\n\nI have the exact same problem with Comenity bank. My payment was due on XXXX, I sent my payment on XXXX , this bank claims they received the payment on XXXX. so they get to charge the late fee and interest. I called them , their answer is to check before due date to make sure the payment is in.\n\nThis bank does not expedite credit fraud investigation reported by credit card owners. They have taken XXXX months on my credit investigation and instead of investigating in a timely manner they kept charging me for the disputed charges and late fees, reduced my credit limit from XXXX XXXX XXXX. My original dispute investigation is still not resolved.\n\nAs a travel nurse making exceptional income, I will NEVER use this card again nor will I accept a credit line increase. WORST BANK EVER!!!!!!!!!\nOn XXXX XXXX I called their customer service line and asked the rep if I pay the balance today would there be any additional interest added to the account. They assured me that the final balance was the final balance. I also told them when I hit send on the payment that I wanted to close the account. Today I am looking at a bill for XXXX  more dollars. This company is a complete rip off and I would never recommend them to anyone.\nComenity Bank is a real life nightmare. No customer service skills, no resolutions to problems, a website that doesn't work and the inability to properly handle payment transactions. Move away from this bank as quickly as possible. . I know how to treat customers, and how I want to be treated. I've had XXXX XXXX  for XXXX  years, until today, you all know the problems. I have been a member of XXXX  for XXXX  years. I feel XXXX  did me wrong by turning the credit card over to such a poorly run, and understaffed bank. They had to know but didn't care because I'm sure palms were greased, and greed took over. I'm sorry I renewed my membership several months ago, but after XXXX  years of membership, it won't happen again, they caused our problems.\nSTAY away from them. They are crooks. I think they just string people along until they give up and pay it. They haven't met me. I will be filing a complaint with the feds. I've won before, I will again.\nI have been asked by a XXXX  representative to please keep using the card. Well, I've thought about it and no I will not use this card. Finally, their customer service representatives were terrible. They did not even try to help me and left me with XXXXXXXX  credit for XXXX  days!\nXXXX  switched to this company-try to follow up with Comenity Bank after receiving a letter that my due date had changed by a phone call but if I wanted to speak with a live voice would be charged XXXX XXXX what the heck was XXXX  thinking(not). Still awaiting current bill in mail. Will not setup any online service with this company (Comenity), in fact will stop using this card. XXXX  credit card service has lost a customer.\nXXXX  changed my VISA from XXXX XXXX XXXX to Comenity and its horrible. XXXX  responded to my complaint to the XXXX  in a professional manner but I got a letter from Comenity that was arrogant, obnoxious and a lie as far as their responsibility for unjustly charging me with late fees. Stay away from this bank that at the very least is incompetent with non existing customer support and whose business practices border on unethical.\nVery shady practices. Looks like they are there to get you in an endless loop to rip you off. A XXXX  purchase needed up with a XXXX bill. Their website is not available when I am ready to make the payment and couldnt get them on the phone also. Even after making the payment, they said that I might be getting a bill. When asked for what, they said that there is a daily charge and the balance I paid might not have that charges. Unbelievable!!! How can such a financial institution exist?? Feel awful for the customers who fell into their trap.\nComenity Bank operates worse than you would expect if you were dealing with a third world county bank. DO NOT TAKE OUT A STORE CREDIT CARD IF THE BANK INVOLVED IS COMENITY BANK.\nEach time Im told they will send me a new card, meaning I will be issued XXXX  cards I guess. I cant pay my balance without my account number. On phone Im told I can pay them for an extra fee. I dont think this is legit bank & they have all our info. Now I just want to pay my bill by cashiers check & be done with them which will also hurt my credit. But I dont know how.\nXXXX  issued me this card without my approval, then I canceled the account without activating the card. This was the beginning of a huge mess with nobody answering the phone. Tried to complain to XXXX  and couldn't get through to the right people there either. Stay away from this horrible bank and from XXXX  too.\nComenity recently took over servicing for a XXXX  Visa card from XXXX XXXX XXXX - which worked great for many years. Can't get an online account, can't get a service rep. This deserves NO stars. AVOID at all costs!!\nI received my XXXX  card, i also activated it, set up on line account, cant sign on to view my account, not going to use this card, will cancel it, i dont understand why XXXX  left XXXX XXXX XXXX  for these people, their customer service stinks.\nI have had a credit card affiliated with XXXX  for over XXXX years. XXXX XXXX XXXX serviced it. And I was happy with it. They saved me from fraud a couple of times. Apparently XXXX  dropped XXXX XXXX XXXX  for Comenity Capital bank. After reading some of these reviews I am going to steer clear of Comenity Bank. \nI can't get an online account set up and can't get a service rep. They are terrible!!! I don't understand why XXXX  made this change.\nI've had so many issues with this card. I tried to make a payment but their online and phone system was down for weeks so I was charged a late fee for that. I paid the next month and there's no history of me paying it at all even though I received a confirmation number. Customer service is rude and incompetent blaming me for not paying it in store when there system hasn't been working. Once I pay this card off I will be closing my account.\nComenity bank is charging interest on paid off balances and late charges on top of that. They have no regard for what is right, and calls are back-to-back. I would not recommend Comenity Bank to save my life!\nI cannot believe this company calls themselves a bank! This is the worst company ever! They made a $XXXX  mistake on my account. That's insane. Thank goodness I don't do business with them anymore.\nThey suck. On XXXX/XXXX  I mistakenly paid $XXXX  on a $XXXX  bill. They said I would have a check by XXXX. Nope, one operator said it is in the mail. This last operator said it is being processed. I told them, I am XXXX  and XXXX  costs me XXXX. I have no money to pay for it. They can't fed ex it nor can they call me or email me to let me know it was sent.\nComenity Bank does not Protect its credit card customers against unprincipled, unscrupulous merchant actions against its unknowing Comenity Bank Credit Card users. Please, beware of your online transactions using Comenity Credit Card. This bank does not protect its customers money,\nThey're trying to extort payments for returned items. I won't bore you anymore with the details except to say that If I see any financial ,banking or lending institution even remotely associated with Comenity I will try to get away from it as fast and far as humanly possible!\nThey're still charging me fees AFTER the card was supposedly closed. This is fraud and theft, and I'm in the position of having to fight with them because if I just don't pay it they could report to credit bureaus as an unpaid balance. Avoid any card through this bank at all costs--they're scam artists.\nHolding my payment hostage: I made a payment to Comenity XXXX more than the minimum payment which I frequently do. The payment was made on time but the payment somehow was inadvertently posted to a dead/closed account that was over XXXX years old. Why or How Comenity was able to post monies to a closed account.\nThe XXXX  Credit Card, managed by Comenity Bank, is a total fraud. I had autopay setup but then they stopped it without telling me. and then stacked up XXXX  months of late fee, and no notifications what-so-ever, until an agent called me i have XXXX months of late fee XXXXXXXX) stacked up. Total scammers... for a purchase of XXXX they should not be on this earth.\nComenity bank sent me a letter telling me that I owe them all the multiple transactions they stole from me or they will report me to the credit bureau. When I looked at my credit card statement, It showed the original transaction I made at Sportsman's, then it shows XXXX additional debits each for the same amount of over XXXXXXXX, but the debits are described as recurring payments.\nWhen I called them to resolve the issue, they told me they had fixed the issue, but they never did. I have called them many times and even though they admit this is a mistake, they tell me that they fixed it, but they still haven't.\nMy credit score is in the XXXX's for the last XXXX  years and now they are threatening to destroy it. I think I am going to get a lawyer and sue them. This is the most frustrating financial issue I have ever dealt with.\nWebsite and phones do not work AT ALL - don't try to pay them, you can't. Will just get you extra fees. They are a XXXX company - happy to give you credit at a high rate. NOW cannot even pay. Tried online. try calling. this is XXXX Just want to pay off and cancel this card. NOT WORTH THE HASSLE!\n Rude employees, XXXX  months trying to get a fraud charge taken care of. No one cares or bothers other than being rude and hanging up after a XXXX hour wait.Ask for supervisor was given another rude and non caring, uneducated employee. . Where the heck is this bank ? Well not sure it is a bank. I want my card closed and the false charge taken off. Does anyone care. I guess reviews don't mean anything because it is quite obvious they don't read them. Hundreds of reviews on this bank and they are still open. System has been down for XXXX weeks. CLOSE MY ACCOUNT.\nI have the exact experience with these people. Comenity Bank is a rip-off and so is XXXX! I have been charged a restocking fee and a late fee because I chose to fight this. Thus far Comenity says I owe them XXXX ALL IN RESTOCKING AND LATE FEES. I REFUSE to pay.\nI think it's literally been almost XXXX weeks now. Can't see my balance, can't pay my bill, I had to assign another payment method for all my Afterpay and pay pal pay-in-four purchases because the card is not going through when automatically billed...This is a disgrace - who monitors these XXXX anyway?\n\nThis company will try and ruin you. After calling them never wanted to tell me anything and the emails they kept sending me were the same ones over and over again. The unprofessionalism with these people are sick.","date_sent_to_company":"2025-04-01T18:05:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75216","tags":"Older American","has_narrative":true,"complaint_id":"12759789","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-04-01T17:33:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Where is the <em>law</em>? Is this the USA? Stay <em>away</em> from this bank. They charge for payments that don't go thru even though you get a conformation # from them. Got a janky <em>answer</em> from the manager that it take up to 15 day for them to get an <em>answer</em>.\nI have written three letters explaining this problem to this company but never receive a response!  I will not pay this bill; it is for a bogus account listing a bogus card, from a very disreputable company. DO NOT DO BUSINESS WITH THIS COMPANY!"]},"sort":[7.3209553,"12759789"]},{"_index":"complaint-public-v1","_id":"7515422","_score":7.1842194,"_source":{"product":"Credit card","complaint_what_happened":"I am a 20 year consumer of Bank of America Corporations, and recently experienced financial harm at the hands of two of the employees who work within the collections department. My personal consumer accounts were mishandled on behalf of an employee that I spoke with on XX/XX/XXXX. This employee acted negligent and intentional when trying to assist me with requesting an APR reduction. As a result of a phone call with this employee it was determined that the employee could not assist me with getting a lower rate APR reduction, resulting in me refusing any other services they were attempting to offer me. I refused those alternatives because they made no sense financially for my personal situation since I am a long standing paying consumer. I was not delinquent nor had I ever been prior to this phone call which I made the employee aware of. After ending the phone call I received notification on Friday XX/XX/XXXX, that all of my consumer credit accounts had been closed without notification. \nThis prompted me to call back into the service center for answers as I had not authorized or advised such closings of my accounts, I had just paid over {$700.00} in monthly payments a few days prior. I was fortunate enough to be connected with a supervisor when I called back on that Friday to determine what had occurred with my accounts. The supervisor was able to tell me that a letter was being generated based on an action to close my account that was initiated on XX/XX/XXXX. The supervisor advised me they were not able to see what the details of the letter were because everything had just been initiated. The supervisor did everything possible to figure out what may have happened on my account. The notes did not indicate anything to say why my accounts may have been closed and which department had processed the actions. The supervisor proceeded to ask me if I had any fraud or identity theft issues related to my personal credit and I acknowledge that I did and had a case manager from XXXX XXXX who had worked with me to report the matter and lock down all of my credit profiles due to heightened level of the fraud that had occurred on my personal credit profile, while they worked to resolve the issue. The supervisor advised this could be a possibility to the accounts being closed and I told the supervisor that I had called in two days earlier and spoke with someone requesting to lower my APRs on my consumer cards temporary and explained the conversations I had with two different employees one who was not able offer me any assistance and transferred me to another one who offered to refer me to a third party debt collector in which i refused. My sole intention for calling was to see if I could get the APRS lowered on my consumer credit accounts. After that employee was not able to help me or prompt me to another department who could assist me with lowering the APRs and advised going to a third party and closing all of my accounts was the only option for help. I kindly declined and advised that I was not interested in doing that. I was already paying my consumer accounts and asked the employee why I would want to ruin my credit by closing the accounts down. The consumer account endinging in XXXX was the first account I had opened that started my credit profile back in roughly XXXX It made no financial or common sense to do so. I was not late on the payments at the time of the call and had not been late anytime prior to the call. \nThe supervisor could not find any information in the notes stating any other reason why the accounts could have been closed after telling the supervisor I wanted to file a complaint on the employee that I had spoken to because that employee had intentionally flagged my accounts to be closed for no apparent reason as I was trying to inquire on lower APRs. I advised the supervisor why I would make payments a few days prior and have my accounts closed, it made no absolute sense. I advised that Bank of America had never reduced my credit lines or closed my consumer accounts since I had been a customer with them over the past 20 years due to the immaculate relationship I had built with them. I told the supervisor it was an internal employee who caused all this negligence to me personally for no reason at all. The supervisor advised me that in order to get lower APRs it is something that Bank of America invites its consumers through marketing it is not something that is rarely done and the supervisor could not understand why the other employee did not make me aware of that which would have avoided all of the additional actions that took place. The supervisor was very sympathetic with me and apologized for what had occurred. They took time to notate the account and file a customer complaint for me on the employee who was solely responsible for what had transpired on my personal consumer account. The supervisor advised me that the branch would be the easiest alternative to possibly find out what could be going on but I did not have the time to take off work to go to the local branch as the one by my home is always super busy. The supervisor advised I should receive the letter by Monday and if I could take it to the branch to do so or call back once I had determined why my accounts were closed. I thanked the supervisor and praised them for their help with making me feel some comfort in what was going on. \nUpon receiving the four letters on Monday XX/XX/XXXX, I would soon determine why my accounts were all of a sudden closed. The letters read We were notified you intend to file for bankruptcy :. I thought to myself how could a human being act in such a malice way bringing harm to me and my family for no apparent reason at all. How could an employee act in such a negligent way and code my consumer account with a bankruptcy when I never once mentioned that I had filed a petition to the Bankruptcy clerk of courts, a private attorney, third party agency or notify Bank of America personally that I intended to file. I was heartbroken that such evil could be done by an employee. I had been paying all of my bills on time, never missed a payment, or was late on a payment. I called back into the customer service line after I got home from work and spoke with two additional employees with whom I advised of the situation that I spoke with the supervisor back on XXXX the XXXX, XXXX  about they too were very apologetic about what was happening to me, I advised them that I was going file a complaint on the employee who committed this nightmare for me. They read through all the notes and also filed an internal complaint on my behalf. They were not able to get me connected to the department who I needed to speak with in order to try and get the issue resolved because the unit was closed for the day. I was provided with the telephone number to contact the department in which I did on Tuesday XX/XX/XXXX. \nAfter speaking to eight representatives, I finally reached another supervisor in the collections department by the name of XXXX XXXX, which will be included in any legal fillings I will be pursuing. At this point I was overly frustrated at what had taken place and how many phone calls and transfers it took for me to get help. I advised the supervisor to tell me who notified them of my intent to file Bankruptcy as I had not called stating I would be filing, I did not contact the courts or file any petitions to file for bankruptcy, I did not have any attorneys representing me filing on my behalf and I also was not working with any third parties never have and never will. I asked why would an employee intentionally do what they did to my consumer accounts for no apparent reason as I was simply requesting for a temporary APR reduction. The supervisor proceeded to ask me did i mention anything about bankruptcy on the call and I advised no there was no need for me to I was calling about lowering interest rates and the employee was offering me a third party debt collector which i declined interest since I did not need to go that route as I was and had been making on time payments. I asked the supervisor, why would I personally call in and say I was intending on filing bankruptcy when I had just made monthly payments a few days prior and my accounts were not delinquent. It just makes no sense it was no benefit to me personally or financially. The supervisor stated they were not sure and advised that the accounts were closed. I said I needed to get an answer because I did not call and no one else did on my behalf and that an internal employee was the one responsible for causing this issue to begin with. The supervisor advised they would listen to the call and order a transcript, if there was an error on the employees behalf and I corrected the manager stating this would not be considered an error but employee negligence. The supervisor would work on trying to fix the issue and that it could take 3-5 days to receive the call information and after reviewing the information they would call me back. \nI waited and did not hear back and it was a week later so I called back today XX/XX/XXXXXXXX  to get an update from the supervisor. The supervisor was on another call at the time of my call and thus the customer service rep took my phone number for a call back. The supervisor called me back about 30 mins later and thanked me for calling back and for my patience. The supervisor went on to say that they had received the call back and had heard where I said This will show up in Bankruptcy. My immediate response was I never said such a thing and to stop making accusations that I said those words because I did not. I advised that maybe your employee made those comments, but I never said such words and would have no reason to say them. I advised that on that same call you should have heard me refusing and declining the services the employee was attempting to offer me and disconnecting the call kindly. The supervisor could care less about that and was not interested in getting to the bottom of this problem. I further stated that I never said that statement and to let me hear the call or share the entire statement in which the supervisor was referring to me saying the quoted statement above. The supervisor declined to assist me any further and proceeded saying they would document my account that I was not in bankruptcy or not planning to file, I corrected the supervisor once again stating I never called and notified you and that they needed to stop with all the false accusations and misrepresenting the notes on my account. I reaffirmed that the call was being recorded and advised that now I am considering that the supervisor and other employee are committing fraud on my consumer account and violating my rights under the fair consumer credit act as a I wanted to speak with the department who handle legal matters seeing that the supervisor had no intentions on helping me but just pushing this complaint off of their desk. I asked the supervisor not to make any representation on my account in which they could not confer with evidence I was not taking the word of a liar. I asked how I could obtain a record of the call because I was now going to press charges, file complaints and file legal suit because now a second employee was acting in a negligent nature and I am not letting them get away with this type of behavior. It is not warranted and nor should it be tolerated at this level of business when it comes to consumers ' livelihood. The supervisor had the audacity to mention a payment arrangement with me and I responded stating I was already and had been making payments and I would not be making anymore until this matter was cleared up and my consumer accounts were restored. The supervisor stated my accounts were not going to be reopened. I stated again I would not make payments until the accounts were restored. The supervisor tried to place fear in me saying I needed a subpoena to get the transcripts which i found to be actual law and I told him I planned on getting one and contacting the Consumer Financial Protection Bureau. I was fully taken advantage of by this supervisor. They felt comfortable lying to me and I am not okay with this because if this is happening to me it is also happening to others and it is these employees who make a bad image for the company. I spent nearly my whole young and adult life banking with Bank of America. I have never experienced such poor customer service in my entire dealings and never thought I would see the day of something like this happening to me. Before I hung up I requested the information for the legal team again to make sure I had written it down correctly, so that I could submit a request notifying them of the matter. I will be faxing this information over to the legal team as well as mailing them a certified letter on XX/XX/XXXX. I also asked if the legal team had an email address and was told no I said okay and kindly ended the call.","date_sent_to_company":"2023-09-08T02:33:20.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"30809","tags":"Servicemember","has_narrative":true,"complaint_id":"7515422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-09-08T02:15:02.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I was not delinquent nor had I ever been prior to this phone call which I made the employee <em>aware</em> of. After ending the phone call I received notification on Friday XX/XX/XXXX, that all of my consumer credit accounts had been closed without notification. \nThis prompted me to call back into the service center for <em>answers</em> as I had not authorized or advised such closings of my accounts, I had just paid over {$700.00} in monthly payments a few days prior."]},"sort":[7.1842194,"7515422"]},{"_index":"complaint-public-v1","_id":"5235050","_score":6.9772873,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"My complaint is regarding an unauthorized XXXX EFT dispute case with Citibank. Details of the case : Transaction date : XX/XX/XXXX Transaction amount : {$1800.00} 1. My money was stolen via a fraudulent person-to-person XXXX transaction, which falls under Regulation E protection according to CFPB. \n2. Citi did not conduct a reasonable investigation regarding my case initiated on XX/XX/XXXX, as they reported that the EFT in question was initiated in accordance with your instructions when I expressly told them ( and swore under oath on a attached declaration ) that it was not. In addition, Citibank employees did not provide me with information on how to submit supporting documents and information provided to me at my request at a later date was repeatedly incorrect. \n3. Citibanks rules can not afford lesser protection than federal law 4. A man approached me on XX/XX/XXXX and requested to make a phone call to his sister from my cell phone ( that turned out to be the access device, although I am not certain because I am not totally sure how he actually initiated the transfer ). I granted him permission to make that phone call and only that phone call. I did not grant him authority to use my phone for any other purpose whatsoever. That same man ( whose name and phone number were on the transaction ), while in possession of my phone ( that he was granted permission to use for that phone call only and exclusively ) proceeded to initiate the EFT of {$1800.00} from my checking account. He therefore initiated this EFT without any permission from me or awareness by me. I did not receive any goods, services, benefit or currency/compensation in exchange for this {$1800.00}. I gave Citibank timely notice of this fraud, within 10-30 minutes of when it occurred. The man who approached me asked to use my phone for a phone call which I granted him license to do. He then asked if I could XXXX {$20.00} to his sister for gas money to come pick him up. I continued to hold the phone and entered the email address that he told me to send {$20.00} dollars ( solely {$20.00}. As he gave me {$20.00} cash ; which I later returned b/c the transfer did not go through ). The transfer did not go through. I closed the banking app. The man then asked to call his sister again from my phone. While I am not certain, I assume that this fraud occurred in one of two ways : 1 ) the man either saw me enter my password when I attempted to send the {$20.00} that did not go through and then logged in from his own device immediately after I walked away and transferred {$1800.00} to himself or 2 ) he somehow opened the banking app when he was holding my phone a second time to make the phone call to his sister. I did not with my own hand authorize the {$1800.00} nor grant him permission to enter my banking app or send any money/initiate any transaction. This is therefore an unauthorized EFT and is covered by CFPB Regulation E. \n\nIn summary, my claim falls under the protection of Federal Regulation E by the Consumer Financial Protection Bureau ( CFPB ), pursuant to the Electronic Fund Transfer Act. \nAs you can see in the attached screenshots, I have attempted to contact the phone number on the XXXX transaction in question. I called the number and left a voicemail when no one picked up. I then texted the number ( see screenshot ) and asked if the phone belonged to the name on the transaction, which the person responded Yes. So then I told him that he had stolen {$1800.00} from me and to please return it via XXXX and he responded Wrong person. How could it be the wrong person if his name and number are on the XXXX transaction and he confirmed that it is indeed his phone number? If he doesnt have it, who does? This proves that this is fraud. As detailed in the police report, there should be security footage of this happening. I called Citi immediately after this occurred and changed my password. I then immediately filed my initial police report, and submitted more information as soon as I could. \nIn addition : I received different information each time that I have called Citi regarding this fraud ( which I believe is at least 7 times now ). \nFirst calls on XX/XX/XXXX ( at XXXX am XXXX, immediately after fraud occurred between XXXX and XXXX am or so according to my call log ; when the man who stole from me used my phone to call his sister at the number XXXX as given in the police report ). After walking away from the man who stole from me ( as I did not realize at that time that any funds whatsoever had left my bank account ), my boyfriend suggested that I check my bank balance because he felt as if the man who asked to use my phone was suspicious. I then discovered that my Citibank app had been uninstalled without my knowledge. So I began to panic and called XXXX ( the number on the back of my Citi credit card, to make sure it was a legitimate Citi number ). I called that number at XXXX am EST. I called Citi again numerous times at XXXX that evening. I then called XXXX and was given a case number. I told the agent that the {$1800.00} transaction was fraud, but that the {$650.00} transaction was my monthly rent payment and was legitimate ( interesting how the thief stole the exact amount that ( in addition to my pre-scheduled rent payment ) equals {$2500.00}, which I have now learned is the daily XXXX limit on my account ). I then called Citi again the next morning at XXXX am XXXX ( still XX/XX/XXXX ) to follow up and was told that there would be an investigation. No further information was given to me. I was not told to submit the police report that I had created that very night ( see attached ). \nXX/XX/XXXX : I called Citi again to give the police report number that was assigned to my case and I again asked what my next steps would be and was told there will be an investigation and they will send you a letter in the mail. I was NOT told to submit the police report itself. \nXX/XX/XXXX : I was credited the money back ( apparently provisionally ) so I assumed all was well. I was never contacted for any more details. To my knowledge, Citi never asked for or saw the police report. \nXX/XX/XXXX : I received the postal letter stating that the credit to my account was provisional. \nXX/XX/XXXX : I got an email stating that there was a new secure message in my account. ( Why did I receive this email on XX/XX/XXXX if the message was dated XX/XX/XXXX? ) XX/XX/XXXX : I noticed the email and read the secure message reporting that the money was taken out of my account again stating based on our research and the information you provided. What research was done? I was not provided with a way to send evidence. I called Citi immediately and spoke with XXXX, who told me that I should submit the police report etc to XXXX which I did. G did not tell me that the case was closed. \nXX/XX/XXXX : I called Citi again to make sure that my documents were received and spoke with XXXX, who informed me that the case was closed, and so we started and appeal and I was given a case number and password for the case ( Why was I not given a password for the case when I initially submitted it on XX/XX/XXXX? ). I told XXXX that I had submitted supporting documents to XXXX. He said that the submitted documents would be filed under the new case number. I emailed the documents under the new case number just to be safe ( see emails attached ). I then noticed the email dated XX/XX/XXXX saying that the case was closed. ( Why did I receive the email notification on XX/XX/XXXX when the message is dated XX/XX/XXXX? ) XX/XX/XXXX : I called Citi again and spoke with XXXX to see if the documents had been received at the email address under my new case number. XXXX told me : No, you cant email documents for an appeal. Those have to be sent by mail. He gave me the address and then said No, actually you can fax them to XXXX. He told me to send my documents along with my case number, card number, disputed transaction date and amount, the reason for my appeal and my signature to debit card billing dispute unit. Why did neither XXXX nor XXXX ( nor anyone else I spoke with ) tell me this in my previous calls? Did they even know this? I asked XXXX, How do I know that what youre telling me is even true when Ive gotten so many different answers? I asked him if he could send me the instructions for the appeal process in writing and he said that he could not. Why not? Because they dont exist? \nXX/XX/XXXX : I submitted a fax to XXXX as soon as I was possibly able to after being told what I hoped was finally the correct information. I called Citi to follow up and asked to speak with a supervisor. I was connected with XXXX She informed me that I had yet again sent my supporting documents to the incorrect place, and that I should send them to the Client Research Team XXXX XXXX. I again asked How do I know that what youre telling me is even true when Ive gotten so many different answers? and she responded Maam, I am a supervisor. I asked if my documents would be received in time to be reviewed by the Citi Research Team if I faxed them on XX/XX/XXXX and Delight responded that they would because my case would be open until XX/XX/XXXX ( 10 business days ). \n\nXX/XX/XXXX : I submitted a nearly 50-page fax of supporting documents to XXXX. \n\nXX/XX/XXXX : I called Citi and asked to speak with a supervisor. I was connected with XXXX who told me that my 2nd dispute had also been denied and closed and that the documents that I submitted on XX/XX/XXXX were NOT attached to this dispute as XXXX had told me they would be. I asked to receive a copy of the documents used in Citi 's \" investigation '' of my dispute as that is my right. She reported that they would be emailed to me ( I have not received them as of the time of this writing ). I asked to speak with her manager and mysteriously the call was disconnected ( not by me ). \nI called back again and asked to speak with a supervisor and was connected with XXXX He confirmed that my second dispute had been denied and that my documents had not been reviewed. I told him that I had submitted nearly 50 pages of supporting documents. I asked again where I should send my supporting documents for new case number and he told me \" per M '' that the number was XXXX. He said that Citi usually accepts supporting documentation for debit card disputes and not XXXX disputes and therefore why he was uncertain of where to send supporting documentation. I asked him if it would be enough time if I submitted my supporting documents again on XX/XX/XXXX ( as this is the soonest that I could do so ) and he said that it would. \n\nI told XXXX that according to the Consumer Financial Protection Bureau 's XX/XX/XXXX updates to Regulation XXXX, this fraudulent and unauthorized transaction falls under their protection and it is obvious that it is fraud and unauthorized for reasons including ( but not limited to ) : 1 ) This is the largest XXXX transaction I have ever completed ( to my knowledge ) and is outside of my spending pattern. I was outside of my home city ( I live in XXXX XXXX and incident occurred in XXXX ) 2 ) As you can see by my record with Citi, I pay my bills on time and have very good credit 3 ) I do not have any other disputed XXXX charges 4 ) My apartment rent of {$650.00} per month has been a scheduled XXXX payment ( debited on the first of each month ) since summer XXXX ( so it was debited by XXXX on XX/XX/XXXX, the day the {$1800.00} was stolen ). The {$1800.00} that was stolen from me seemed to be a random, uneven amount until I realized that {$650.00} + {$1800.00} = {$2500.00}. Which Ive now learned is the maximum amount that can be debited via XXXX per day from my account. **That is not a coincidence**. Clearly this man was experienced enough at fraud to send himself the maximum amount that he possibly could. Does it really make sense that that would just happen to be the amount that I would send to someone I had never sent a payment to at XXXX in the morning? No. Because I didnt send it or authorize it. He did. \n5 ) I called Citi immediately after I noticed the money was missing 6 ) I changed my password immediately because I didnt know if the man who stole from me now had it whereas I dont think I had ever changed my password with Citi before XXXX ) Ive called Citi more than ten times now and spent hours of time and effort trying to recoup this money. I spent over 80 minutes on the phone with Citi on XX/XX/XXXX alone. \n8 ) Im a licensed social worker, and theft or fraud are a violation of the NASW Code of Ethics ( the governing body of the social work profession ). To lie about this issue would be me risking my license and career that Ive spent years earning and building XXXX ) I posted about this incident on XXXX on XX/XX/XXXX ( see screenshot ) warning my hundreds of followers about the dangers of letting others near your smartphone, which I was previously unaware of. Many people commented that they would have done the same thing ( ie : allowed someone who claimed to need help to use their phone ) These are not senior citizens who are unfamiliar with technology either. \n10 ) I contacted the man who received the transaction to request that the money be returned and filed a police report with identifying information for this person 11 ) I filed a police report immediately after I realized that money was taken from my account ( see the date and time of the initial police report that I later supplemented with more evidence/information ) I would assist in any way necessary to see that this man ( who seems to be clearly identifiable ) is prosecuted ( as I swore under oath on the declaration page attached ) When I spoke with XXXX on XX/XX/XXXX, he asked me if someone had gained unauthorized access to my computer. I answered yes at this time because a smartphone is a computer ( aka the access device ). \nI realized then that the way that the question is phrased makes Citi less inclined to rule in the customers favor on such Regulation E issues because most people do not have their laptops ( or other devices traditionally referred to as computers on their person ) and traditional computers are probably less likely to be used as access devices for fraud/initiating unauthorized transactions : ( as apparently is becoming more frequent according to stories like these : https : XXXX # ) As mentioned at length above, this unauthorized transaction falls under Regulation E protection for many reasons. \n\nIn summary : Im very disappointed with the way that Citi has handled this. It seems that the dispute and appeal process must be purposefully obfuscated so that customers do not know what to do. In my case, Im a long-time, honest, and loyal customer who always pays on time and have recommended Citi to many others. Im a social worker in healthcare and {$1800.00} is not an amount I can just take lightly. I was trying to help someone who said their phone had died and needed a ride home. I absolutely did not authorize this transaction. This transfer was not sent to the recipient in accordance with my instructions. As you can see in the screenshots, the man at the name and number listed on the XXXX transaction denies even receiving this transaction. If Citi cares about preventing fraud, why does the Citi app not require users to enter/re-enter their PIN ( as a further security measure ) before allowing large sums of money to be sent? This incident would never have happened if this simple change was made. My XXXX is literally more secure than Citis XXXX feature apparently. \nI asked to be contacted if Citi needed any more information regarding the case and I have never been contacted to this day. I highly doubt that the documents that I sent once again will be reviewed by Citi, and therefore they have not completed the reasonable investigation required by CFPB. They have yet to furnish the documents that I requested regarding their investigation of my case, and I find it extremely suspect that the steps to the dispute/appeal process are apparently neither known to most/all Citi employees and can not be provided to consumers who request them ( either verbally or in writing ).","date_sent_to_company":"2022-02-18T08:07:36.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"70117","tags":null,"has_narrative":true,"complaint_id":"5235050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-02-18T01:52:57.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>answered</em> yes at this time because a smartphone is a computer ( aka the access device )."]},"sort":[6.9772873,"5235050"]},{"_index":"complaint-public-v1","_id":"3417278","_score":6.770011,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was on XXXX XXXX  looking at pre-approved auto refinance. Came across an ad by XXXX XXXX. It was talking about loan rates, so I feel in some financial information, but didnt enter anything on the credit check or social security form as I didnt want a hard credit check or application done. Next thing I get is an alert that a hard pull was done without my social by a finance company called first investors. I called them and told them I never did a real credit check or gave my social number and this was illegal and fraud. Pictures attached. I have since spoke to rate genius that they falsely advertised, this was fraudulent and negligence by them. \n\nHere are the emails from both sides. \n\n\n\nWarm Regards, XXXX XXXX forwarded message : From : XXXX XXXX Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Cc : XXXX Subject : No hard credit pull- willful negligence on your company Warm Regards, XXXX On XX/XX/2019, at XXXX XXXX, XXXX XXXX XXXX : XXXX Warm Regards, XXXX On XX/XX/2019, XXXX XXXX XXXX, XXXX XXXX wrote : You have been reported to the United States government. \n\nThey have copies of all emails and your false advertising. \n\nI am seeking damages and criminal charges against you Warm Regards, XXXX On XX/XX/2019, at XXXX XXXX, XXXX XXXX wrote XXXX Please forward this email to your executive team. \n\nIt appears your company invested in XXXX. \n\nXXXX has done false advertising and committed fraudulent credit pulls Warm Regards, XXXX XXXX XXXX OnXX/XX/2019, at XXXX XXXX, XXXX XXXX wrote XXXX XXXX XXXX- I am sure XXXX XXXX will not be happy when he sees your false advertising with XXXX XXXX that was supplied to you. \n\nWarm Regards, XXXX On XX/XX/2019, at XXXX XXXX, XXXX XXXX wrote XXXX Was told false advertising and illegal credit pulls are ok with executives and you dont care about false advertising and breaking the law. \n\nYou will see you false and negligence advertising that you acknowledged. \n\nWarm Regards, XXXX XXXX forwarded message : From : rateGenius Customer Service XXXX Date : XX/XX/2019 at XXXX XXXX  EDT To : XXXX Subject : Re : Ticket # XXXX : Re : I have a question XXXX Reply-To : \" XXXX Customer Service '' XXXX Your ticket is now solved! \n\n\n\nRe : I have a question XXXX XXXX Thu, XX/XX/19 XXXX XXXX XXXX Thu, XX/XX/19 XXXX XXXX  You are scam and XXXX and will go to jail Warm Regards, XXXX XXXX Thu, XX/XX/19 XXXX XXXX You have now hung up 7 times of me, when I say who I am. \n\nWarm Regards, XXXX XXXX Thu,XX/XX/19XXXX XXXX  XXXX, Been on the phone 10 minutes waiting for you. \n\nNever got a call from an executive as you promised. \n\nAnother willful negligence violation Warm Regards, XXXX XXXX Thu, XX/XX/XXXX XXXX XXXX Punitive damages Read in another language Edit Punitive damages, or exemplary damages, are damages assessed in order to punish the defendant for outrageous conduct and/or to reform or deter the defendant and others from engaging in conduct similar to that which formed the basis of the lawsuit. [ 1 ] Although the purpose of punitive damages is not to compensate the plaintiff, the plaintiff will receive all or some of the punitive damages award. \n\nPunitive damages are often awarded if compensatory damages are deemed an inadequate remedy. The court may impose them to prevent undercompensation of plaintiffs and to allow redress for undetectable tortsand taking some strain away from the criminal justice system. [ 2 ] Punitive damages are most important for violations of the law that are hard to detect. [ 3 ] Warm Regards, XXXX XXXX Thu, XX/XX/19 XXXX XXXX Punitive damages Read in another language Edit Punitive damages, or exemplary damages, are damages assessed in order to punish the defendant for outrageous conduct and/or to reform or deter the defendant and others from engaging in conduct similar to that which formed the basis of the lawsuit. [ 1 ] Although the purpose of punitive damages is not to compensate the plaintiff, the plaintiff will receive all or some of the punitive damages award. \n\nPunitive damages are often awarded if compensatory damages are deemed an inadequate remedy. The court may impose them to prevent undercompensation of plaintiffs and to allow redress for undetectable tortsand taking some strain away from the criminal justice system. [ 2 ] Punitive damages are most important for violations of the law that are hard to detect. [ 3 ] Warm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX  Please forward this to XXXX, XXXX and all executives. \n\nI better get a call by XXXX from an executive with a check number and tracking for my damages of {$2500.00} for Friday delivery, confirmation your illegal and negligence was corrected by tomorrow and letter confirmation from XXXX that hard pull was removed. \n\nCopy of the basic laws. If you dont want to follow I will call the police for fraud, false advertising, damages to my personal credit line and ask for arrests. \n\n-Basic Damages ( pick one ) : actual ( provable ) damages ( no limit ), or statutory damages damages between {$100.00} and {$1000.00} ( to get these you don't have to prove that the violation harmed you ). \n\n-If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of : your actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ). \n\n-Punitive damages, as decided by the court. \n\n-Attorneys ' fees and costs. \n\nDefinition of Willful A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. \n\nDamages for a Negligent Violation You are also entitled to damages if you can show that the CRA or other entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), and attorneys ' fees and costs. \n\nWarm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX Please forward this to XXXX, XXXX and all executives. \n\nI better get a call by XXXX from an executive with a check number and tracking for my damages of {$2500.00} for Friday delivery, confirmation your illegal and negligence was corrected by tomorrow and letter confirmation from XXXX that hard pull was removed. \n\nCopy of the basic laws. If you dont want to follow I will call the police for fraud, false advertising, damages to my personal credit line and ask for arrests. \n\n-Basic Damages ( pick one ) : actual ( provable ) damages ( no limit ), or statutory damages damages between {$100.00} and {$1000.00} XXXX to get these you don't have to prove that the violation harmed you ). \n\n-If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of : your actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ). \n\n-Punitive damages, as decided by the court. \n\n-Attorneys ' fees and costs. \n\nDefinition of Willful A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. \n\nDamages for a Negligent Violation You are also entitled to damages if you can show that the CRA or other entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), and attorneys ' fees and costs. \n\nWarm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX Warm Regards, XXXX Begin forwarded message : XXXX XXXX, XX/XX/19 XXXX XXXX Warm Regards, XXXX Attachments : XXXX XXXX Wed, XX/XX/19XXXX XXXX Please confirm the check number and tracking information for the {$1000.00} you owe as of today. \n\nSee below : If a violation does occur, consumers may be entitled to the following damages : Actual damages. There is no limit to this amount, as long as you can prove the loss. \nStatutory damages. These damages range between {$100.00} and {$1000.00}. ... \nPunitive damages, with no limit on how much. ... \nAttorney 's fees and costs. \n\nWarm Regards, XXXX XXXX Wed,XX/XX/19 XXXX XXXX  I have called your toll free 4 times and zero doesnt work have an executive call me now. \n\nWarm Regards, XXXX XXXX Wed, XX/XX/19XXXX XXXX  In addition you lied. \n\nIt was never reversed at all. \n\nSend me proff. \n\nWarm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX  I have called him for 2 weeks to have this fixed. Everyday. I dont believe that story. \n\nYou defrauded me and others. \n\nWhere is my check for {$1000.00} in damages as per fair credit act. \n\nThis is unacceptable and is damaging me more every day. \n\nI want this fixed today and my check sent overnight. \n\nHave an executive call me ASAP Warm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX  Hello XXXX, Unfortunately XXXX is out of the office for the rest of the week. However, we are aware of your request and it still being worked on. Unfortunately, there is no exact time period to expect this to change due to it taking a few weeks to reflect. However, once this issue is solved, you should see it reflect on your credit file and you should also receive a notice in the mail. \n\nIf you have any questions, feel free to call our customer service representatives at XXXX. We are available Monday through Friday, XXXX XXXX CST - XXXX XXXX   CST and Saturday, XXXX XXXX  CST - XXXX XXXX CST. When the phone menu starts playing, just press 0 and you will be sent to a live representative. \n\nYour application number : XXXX Thank you, Customer Service | XXXX, XXXX. \ntoll free : XXXX fax : ( XXXX ) XXXX email : XXXX Mon - Fri : XXXX XXXX - XXXX XXXX  CST Sat  : XXXX XXXX - XXXX XXXX CST XXXX Wed, XX/XX/XXXX XXXX XXXX XXXX, Where is my return call? \n\nYou owe me {$1000.00} in damages and face {$40000.00} XXXX   fine. \n\nYou were sent evidence that no hard pull will done, you falsely advertised. \n\nWarm Regards, XXXX XXXX XXXX XXXX Wed, XX/XX/19 XXXX XXXX   XXXX, I have been waiting for your return call that the illegal hard pull has been removed. I sent you your advertising that clearly states no hard pull. That was false advertising. \n\nYou said you spoke with the head of compliance at your company and this would resolved. \n\nI have called you 10 times with no response. \n\nThis is a {$40000.00} fine to rate genius and you owe me damages of at {$1000.00} to date. \n\nWarm Regards, XXXX XXXX XXXX XXXX Tue, XX/XX/19 XXXX XXXX Here is your false and fraudulent advertising. Where is my call from management. \n\nWarm Regards, XXXX XXXX : XXXX XXXX Tue, XX/XX/19 XXXX XXXX   Where is the call your manager promised me yesterday??? \n\nWarm Regards, XXXX XXXX Tue, XX/XX/19 XXXX XXXX Warm Regards, XXXX Attachments : XXXX XXXX Tue,  XX/XX/19 XXXX XXXX Warm Regards, XXXX XXXX forwarded message : XXXX Tue, XX/XX/19 XXXX XXXX You have not provided me any documentation No harassment here, you lied and committed fraud. \n\nI was never told it was credit report and a hard pull you were evidence. \n\nWarm Regards, XXXX XXXX Tue, XX/XX/19XXXX XXXX Mr XXXX Please call me ASAP about fraudulent behavior and illegal pulls by Mr. XXXX who failed to produce documents and blocked my emails. \n\nThis a crime Warm Regards, XXXX XXXX XXXX Warm Regards, XXXX XXXX Tue, XX/XX/19 XXXX XXXX Warm Regards, XXXX XXXX Tue, XX/XX/19 XXXX XXXX Warm Regards, XXXX XXXX Mon, XX/XX/19 XXXX XXXX Warm Regards, XXXX XXXX forwarded message : Attachments : XXXX XXXX Mon, XX/XX/19 XXXX XXXX  Warm Regards, XXXX Attachments : XXXX XXXX XXXX ) XXXX XXXX Mon , XX/XX/19 XXXX XXXX Warm Regards, XXXX Attachments XXXX XXXX XXXX Mon , XX/XX/19 XXXX XXXX  This is fraudulent behavior and advertising. \n\nI never gave you my social security number yet you illegally obtained it and gave it out. \n\nI have called XXXX XXXX and requested that an investigation be done and your company fined and shut down. \n\nHave an executive officer call me ASAP Warm Regards, XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX  This is fraudulent behavior and advertising. \n\nI never gave you my social security number yet you illegally obtained it and gave it out. \n\nI have called XXXX XXXX  and requested that an investigation be done and your company fined and shut down. \n\nHave an executive officer call me ASAP Warm Regards, XXXX XXXX Mon, XX/XX/19 XXXX XXXX Dear XXXX, Thank you for contacting XXXX auto refinance. \n\nAn application was submitted through one of our partners, XXXX XXXX, on XX/XX/2019at XXXX XXXX. According to their terms and conditions, by pressing the submit button on the online application, you gave express written consent for us and/or our lenders to retrieve your credit file. This was an attempt to refinance a XXXX XXXX XXXX. \n\nWe can only remove inquiries in the instance of XXXX or identity theft. If you feel it was not you who submitted the application, you would need to file a police report and fax it over to us. Once we receive that we will forward the police report to the credit bureau for further investigation. Unfortunately, we will be unable to remove inquiries for any other reason. \n\nIf you have any questions, feel free to call our customer service representatives at XXXX. We are available Monday through Friday, XXXX XXXX CST - XXXX PXXXX CST and Saturday, XXXX XXXX  CST - XXXX XXXX CST. When the phone menu starts playing, just press 0 and you will be sent to a live representative. \n\nYour application number : XXXX Thank you, Customer Service | XXXX, XXXX. \ntoll free : XXXX fax : ( XXXX ) XXXX email : XXXX Mon - Fri  : XXXX XXXX - XXXX XXXX CST XXXX : XXXX XXXX - XXXX XXXX CST XXXX XXXX, XX/XX/19 XXXX XXXX  I am still awaiting a call, a reverse pull, an apology or I will pursue all possible recourses. \n\nXXXX XXXX was also advised that their advertising by that company was miss leading and XXXX. \n\nBut you are ones that did a hard pull with no social security on application nor was it given to you. \n\nAwaiting an answer and written confirmation that you canceled your pull with a letter to XXXX Warm Regards, XXXX Chat now Powered by HelpDesk","date_sent_to_company":"2019-10-25T06:36:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33432","tags":null,"has_narrative":true,"complaint_id":"3417278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"First Investors Servicing Corporation, Atlanta, GA Branch","date_received":"2019-10-25T02:12:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The court may impose them to prevent undercompensation of plaintiffs and to allow redress for undetectable tortsand taking some strain <em>away</em> from the criminal justice system. [ 2 ] Punitive damages are most important for violations of the <em>law</em> that are hard to detect. [ 3 ] Warm Regards, XXXX XXXX Thu, XX/XX/19 XXXX XXXX Punitive damages <em>Read</em> in another language Edit Punitive damages, or exemplary damages, are damages assessed in order to punish the defendant for outrageous conduct and/or to reform"]},"sort":[6.770011,"3417278"]},{"_index":"complaint-public-v1","_id":"15075254","_score":5.2976227,"_source":{"product":"Mortgage","complaint_what_happened":"I have XXXX other complaints on here- The information I have and shows that XXXX - XXXX XXXX or as traded on the XXXX XXXX XXXX now and XXXX XXXX are laundering Forclosure homes and monies by all appearance through insider loans against the home that are not filed in the Clerks office CRIMES 18 USC 371 Conspiracy 18 USC 1341 Frauds and Swindles 18 USC 1344 Bank Fraud 18 USC 1346 Honest Services 18 USC 1348 Securities and commodities fraud 18 USC 1349 Attempt & Conspiracy Sarbanes Oxley Act 18 U.S. Code 666 - Theft or bribery concerning programs receiving Federal funds WELLS FARGO BANK NATIONAL ( WFB ) 15 U.S. Code Subchapter V - DEBT COLLECTION ASSOCIATION , as Trustee for Option OneMortgage PRACTICES 1692d - Harassment or abuse Loan Trust 2005-2, Asset- Backed Certificates, 1692e -False or misleading representations Series 2005-2 1692f - Unfair practices XXXX XXXX XXXX XXXX - Validation of debt XXXX XXXX XXXX XXXX  XXXX XXXX - Furnishing certain deceptive forms XXXX 31 U.S.C. 3729 Federal False Claims Act 18 U.S. Code 1033 Insurance Fraud CEO XXXX XXXX XXXX False Advertising - FTC Act, Lanham Act and WELLS FARGO N.A. Dodd-Frank Wall Street Reform , ConsumeXXXX Protection Act XXXX XXXX XXXX 18 U.S. Code 1343 Fraud by wire, radio, or Wells Fargo Bank Senior EVP, Chief Risk Officer Television US Constitution Fifth & 14th Amendment deprived SXXXX XXXX XXXX of life, liberty or property without due process Chairman, Wells Fargo & Company of law Theft by Deceptive Taking CFO XXXX XXXX XXXX 18 USC 4, aka the Misprision Of Felony Statute, Wells Fargo Bank 42 U.S. Code 1983 - Civil action for deprivation of rights 18 U.S. Code 241 & 242 Conspiracy/Deprivation against rights XXXX XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX \nXXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX aka XXXX XXXX ( XXXX  # XXXX ) aka XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / aka XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  XXXX/ aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX Address used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX et al aka XXXX XXXX XXXX XXXX XXXX CHIEF FINANCIAL OFFICER ( CFO ) XXXX XXXX CEO Chief Financial OfficeXXXX / XXXX XXXX XXXXXXXX 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 XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX at XXXX XXXX XXXX XXXX XXXX \n\nXXXX XXXX CFO Chief Financial Officer and Chief Accounting Officer / XXXX XXXX XXXX XXXX. \n\n\n\nXXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 aka XXXX XXXX XXXX XXXX, aka XXXX XXXX, XXXX, aka XXXX XXXX XXXX, XXXX, aka XXXX XXXX XXXX \naka XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chairman and Chief Executive Officer, Board of Directors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX / XXXX XXXX  ( XXXX XXXX XXXX  XXXX, Chief Executive Officer/ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Chief Legal and Compliance Officer XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX/ Treasurer, Chief Financial Officer / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX \n\n\nXXXX XXXX XXXX REALTOR / Vice President and Broker / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. \n\n\n\nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Aka XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX aka XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX. \nXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX. / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Commissioner of Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Commissioner of Accounts XXXX XXXX XXXX XXXX \nXXXX, XXXX XXXX XXXX XXXX Past XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Attorney General 's Office of Virginia XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX That the Defendants colluded/conspired and now have created A defective title A title that is impaired with a lien or other defect. Defective titles are considered unmarketable, so the asset in question can not be transferred or sold legally. \nAny encumbrances on a defective title must be cleared before the owner can sell the asset. \n\nNow comes XXXX XXXX XXXX XXXX XXXX XXXX ) complaint against Defendants and shows that Defendants worked hand in hand to ignore the law, colluded with acts and actions to harm Plaintiff for years for personal professional self dealing financial/personal gains. \n\nThat the United States Constitution states clearly in the 5th and 14th Amendment that no one shall be \" deprived of life, liberty or property without due process of law. '' That Plaintiff has attached Exhibits to show the scheme that appears to have started in XXXX and documents filed against the home in XXXX put the property XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on the balance sheet of Wells Fargo Bank and XXXX  XXXX XXXX aka XXXX Bank. \n\nA year after the foreclosure XXXX sent a 1099 A with XXXX as the owner along with past Insurance Statements that state XXXX the Server as Owner. The Server can be the owner but, you have to disclose such ownership. ALL Lawyers have stated it was Wells Fargo Bank along with XXXX that Wells Fargo Bank is the owner. \n\nWells Fargo Bank from XXXX has stated it has no ownership in XXXX XXXX nor any loans and or interest in any loans with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and or under Social Security No. Wells Fargo Bank field this in the XXXX XXXX XXXX XXXX and then put it in a Notarized Letter. \n\nThe Foreclosure was on XX/XX/XXXX and it is on the open market which I was never notified of, and no where in the listing does it state the Title is tainted and will stay tainted for life as the Foreclosure was created on Falsified documents with the support and help of the Defendants Lawyers. \n\nThat after a Foreclosure you loan should go away - XXXX will show that XXXX kept such loan on there books by all appearance and transferred it to XXXX who also had it on its balance sheet. \n\nThat the documents attached will show an unbelievable XXXX / XXXX of the Banks, Servicers and Lawyers for personal financial/professional gain. The Listing states Bank owned property - yet the Bank has declared this a lie. \n\nXXXX XXXX, XXXX XXXX XXXX XXXX have no information on any alleged loan on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\nThe scheme appears to be headed by XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX who has a conflict as they with others swindled {$30000.00}. From Plaintiff XXXX of XXXX - to Cover-Up Trust monies stolen from the XXXX XXXX XXXX XXXX This court XXXX XXXX. XXXX - You can Read More : XXXX XXXX XXXX/ For ABUSE AND FRAUDULENT PROCESS by Officers of the Court acting wrongly to take real estate of the XXXX located at XXXX XXXX XXXX, XXXX, XXXX  XXXX, under color of law and fraudulent trustee process, to intimidate and cause a wrongful auction. \n\nThe wrongfully taking of petitioners real estate without right established by AUTHentic DOCUMENTS as REQUIRED BY LAW THEFT BY DECEPTIVE taking : the attorney and trustee acts, under color of law, are intentionally designed to harass and intimidate plaintiff to wrongfully deprive her of the United States Constitutional Rights of Due Process under the 5th and 14th Amendment \" deprived of life, liberty or property without due process of law. '' by a court and judge with jurisdiction. \n\nWELLS FARGO XXXX XXXX, as XXXX for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Backed Certificates, Series XXXX Has stated clearly and has filed in the court they have no information regarding any loan. That further researched it in XXXX  which shows no documentation under XXXX SS #, address, or name for any loan on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX WELLS FARGO XXXX, has the responsibility of Wells Fargo to ensure the integrity and to protect the name of Wells Fargo XXXX XXXX et al XXXXXXXX XXXX XXXX, Wells Fargo Bank N. A. Senior EVP, Chief Risk Officer has the responsibility of Wells Fargo to ensure the integrity and to protect the name of Wells Fargo XXXX XXXX et al XXXX XXXX XXXX, Wells Fargo Bank. Chairman of the Board has the responsibility of Wells Fargo to ensure the integrity and to protect the name of Wells Fargo XXXX XXXX et al XXXX XXXX XXXX XXXX, Wells Fargo Bank has the responsibility of Wells Fargo to ensure the integrity and to protect the name of Wells Fargo XXXX XXXX et al XXXX XXXX XXXX, f/k/a - as successor-in-interest to XXXX BANK, State no knowledge of such loan , yet documents filed against home and letter through XXXX XXXX XXXX appears that the alleged loan was in the National Foreclosure Settlement wish Wells Fargo Bank was not a party to XXXX \n\nXXXX XXXX XXXX of XXXX  XXXX XXXX has the responsibility to XXXX  XXXX XXXX to ensure the integrity and to protect the name of Wells Fargo XXXX XXXX et al XXXX XXXX XXXX of XXXX XXXX - aware of the XXXX criminal activity and turned a blind eye and went on XXXX XXXX  to tell people to buy XXXX. The appearance is he had insider information. \n\n\nXXXX XXXX XXXX XXXX aka XXXX aka XXXX XXXX XXXX  XXXX aka XXXX XXXX XXXX, XXXX  # : XXXX XXXX XXXX XXXX, XXXX, XXXX  # : XXXX XXXX XXXX  XXXX aka XXXX XXXX XXXX, XXXX, aka XXXX a XXXX  limited liability company, aka XXXX XXXX XXXX XXXX aka XXXX aka XXXX XXXX XXXX, XXXX. Foreclosed on or around XX/XX/XXXX, on XX/XX/XXXX purchased XXXX XXXX XXXX ( f/k/a name changed from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). XXXX XXXX XXXX  XXXX XXXX was purchased by XXXX  XXXX XXXX servicing XX/XX/XXXX ) XXXX  XXXX lost their right do to business in XXXX of XXXX. Has suits against it all across America, including a suit by the CFPB in XXXX  for the same criminal activity against XXXX stated Wells Fargo Bank is the owner of such loan in court - in phone calls. \nStated to XXXX  and XXXX was not to Foreclose. \nHas never provided accounting that was readable. \nInsurance Fraud moved such loan to XXXX XXXX in Plaintiffs Name, SS # and address XXXX  around XXXX of XXXX after foreclosing on XX/XX/XXXX. \n\n\nXXXX IS KNOWN AS : XXXX XXXX XXXX XXXX aka XXXX XXXX  ( XXXX  # XXXX ) aka XXXX XXXX  XXXX, XXXX ( XXXX )/ aka XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX, aka XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX  XXXX XXXX/ aka XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX et al aka XXXX XXXX  has the responsibility of XXXX to ensure the integrity and to protect the name of Wells Fargo XXXX XXXX et al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has the responsibility of XXXX to ensure the integrity and to protect the name of Wells Fargo XXXX XXXX et al XXXX XXXX XXXX XXXX XXXX XXXX has the responsibility of XXXX? XXXX to ensure the integrity and to protect the name of Wells Fargo XXXX XXXX et al XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulently placed Insurance on XXXX XXXX XXXX XXXX, without knowledge and consent of owner who has always occupied XXXX XXXX. \n\n\nXXXX XXXX XXXX, XXXX XXXX has the responsibility of XXXX to ensure the integrity and to protect the name of Wells Fargo XXXX XXXX et al That XXXX  it appears and per insiders moved its services to XXXX to not be held accountable by the United States of Americas laws . Making it more difficult for homeowners. \n\n\nXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX has the responsibility of XXXX? XXXX to ensure the integrity and to protect the name et al That the appearance is XXXX offshores money and workers to bypass the law and rights of the homeowners. \n\n\nXXXX XXXX XXXX XXXX Traded on the Stock Market as XXXX. XXXX XXXX is a subsidiary XXXX XXXX XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Board, Chief Executive Officer & President at XXXX XXXX XXXX XXXX. Formerly Chairman of the Board, Chief Executive Officer & President XXXX XXXX XXXXXXXX XXXX XXXX Former Global Head of Mortgages & Securitized Products, XXXX  XXXX XXXX XXXX Former Managing Director XXXX XXXX XXXX Chief Financial Officer and Chief Accounting Officer, XXXX  XXXX XXXX XXXX XXXX \n\n\nXXXX XXXX As of on or around XX/XX/XXXX, Servicer for Loan No. XXXX a loan created by XXXX Fraudulently for XXXX XXXX XXXX without her permission done with a lost Assignment with an XXXX XXXX belonging to Judge XXXX XXXX XXXX XXXX XXXX. Stock held Co. under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past President ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Aka XXXX XXXX XXXX, AKA XXXX XXXX XXXX XXXX, AKA XXXX XXXX, XXXX, AKA XXXX XXXX XXXX XXXX AKA XXXX XXXX, XXXX, AKA XXXX ( XXXX XXXX  ) - Plaintiff is not sure who she is dealing with and as you can see employees straddle all the different companies XXXX XXXX XXXX Chairman and Chief Executive Officer, Board of Directors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX XXXX  ), President, Chief Executive Officer/ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Chief Legal and Compliance Officer 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, Treasurer, Chief Financial Officer / XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX \n\n\nXXXX XXXX XXXX XXXX, Vice President and Broker, XXXX ( XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXXXXXX. Listing Broker Involved in the listing of the sale of XXXX XXXX XXXX XXXX not disclosing the title defects- openly for the public to know XXXX XXXX XXXX XXXX XXXXXXXX aka XXXX Involved in the listing of the sale of XXXX XXXX XXXX XXXX not disclosing the title defects- XXXX XXXX, XXXX - Involved in the listing of the sale of XXXX XXXX XXXX XXXX not disclosing the title defects- XXXX XXXX XXXX, XXXX, XXXX, CEO Involved in the listing of the sale of XXXX XXXX XXXX XXXX not disclosing the title defects- XXXX XXXX, XXXX Involved in the listing of the sale of XXXX XXXX XXXX XXXX not disclosing the title defects- XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Involved in the listing of the sale of XXXX XXXX XXXX XXXX not disclosing the title defects- XXXX XXXX XXXX XXXX AKA XXXX XXXX aka XXXX XXXX XXXX Represents XXXX and in past created a FRAUD ON THE COURT in representing Wells Fargo and claiming Wells Fargo Bank owned a loan in the name of XXXX XXXX XXXX which Wells Fargo has denied to XXXX and the CFPB. That this law firm Swindled {$30000.00} in a Cover Up of monies stolen through a trust account and the worked in collusion to cover up with Divorce Lawyer XXXX XXXX XXXX and XXXX XXXX her lawyer. Involved in the theft of Trust Accounts with Divorce Lawyer XXXX XXXX XXXX colluding to insure no justice for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lawyer who with his apparent Agent XXXX XXXX after a foreclosure with a home that is not in her name colludes for a short sale. Lied in Court in the XXXX of XXXX. Has unclean hands has violated the Professional Code of Ethics 3.3 Candor of with the court, 8.0 8.5 Responsibility to report the criminal activity of Judges and other lawyers. XXXX XXXX has colluded and conspired with others to harm XXXX. He is guilty of USC 4 Misprision of a Felony with his e-mail where he conspires with other lawyers. Lawyer who with his apparent XXXX XXXX XXXX after a foreclosure with a home that is not in her name colludes for a short sale. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX Represents XXXX XXXX XXXX and has an obligation to ensure the property to ensure all Banking and all Falsified documents are disclosed, that all frauds are reported to the correct authorities XXXX XXXX XXXX XXXX XXXX XXXX has an obligation to report corruption in the courts by Judges and or lawyers per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. - Filed for a False and illegal Foreclosure knowingly with collusion of XXXX XXXX and XXXX XXXX XXXX by all appearance XXXX XXXX XXXX XXXX XXXX XXXX firm oversight for XXXX XXXX XXXX XXXX  XXXX. Had knowledge Wells Fargo XXXX. had no knowledge of such loan as stated by documents filed in the court. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Had knowledge Wells Fargo XXXX. had no knowledge of such loan as stated by documents filed in the court. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX aka XXXX, XXXX, XXXX XXXX XXXX, XXXX. Had knowledge Wells Fargo XXXX. had no knowledge of such loan as stated by documents filed in the court. Sent letter that XXXX XXXX was part of National Foreclosure Settlement through XXXX XXXX XXXX XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX XXXX filed documents that it appears Lawyer XXXX XXXX name had been forged XXXX XXXX XXXX Partner XXXX XXXX XXXX XXXX XXXX, XXXX Had knowledge Wells Fargo XXXX. had no knowledge of such loan as stated by documents filed in the court. Sent letter that XXXX XXXX was part of XXXX XXXX XXXX through XXXX XXXX XXXX. Appears to have with knowledge allowed documents filed against XXXX XXXX to be foreclosed forged with his name. \n\nXXXX XXXX XXXX XXXX XXXX/ XXXX XXXX, XXXX, has an obligation to report Judicial Corruption per the Professional Code of Ethics XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX Knowing tried to foreclose illegally on XXXX XXXX aka XXXX XXXX XXXX XXXX appears to be hired by XXXX and only XXXX even though they falsely advertised home for sale by Wells Fargo Bank who Wells Fargo XXXX office claimed/stated that no loan existed at Wells Fargo Bank XXXX in a taped phone call on XX/XX/XXXX ( taped by both sides ). Knowingly tried to foreclose illegally on XXXX XXXX. \n\nXXXX XXXX XXXX aka XXXX XXXX XXXX XXXX knowingly tried to foreclose illegally on XXXX  XXXX which shares office space with lawyers XXXX and which is owned by lawyers of XXXX- with the XXXX  of XXXX. They purport to be the substitute Trustee for a Note they refuse to produce regarding XXXX XXXX XXXX XXXX, XXXX, XXXX. They ignored XXXX requests to produce the original note and other documentation, in violation of State and Federal Law. Knowingly tried to foreclose illegally on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX Knowingly tried to foreclose illegally on XXXX XXXX. \n\nXXXX XXXX XXXX XXXX XXXX of XXXX XXXX of Accounts XXXX XXXX XXXX XXXX of XXXX XXXX  of XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General 's Office has an obligation under the law to protect citizens from Foreclosure Schemes and Scams and instead his office has refused all meetings. \n\nThe shoddy unlawful and unethical behavior from these banks, attorneys, agents, employees, and representatives, publicly treated companies all who willfully refused to produce the note because the alleged documents they rely upon for their actions are forged, robo-signed, or reverse engineered. \n\nSTATEMENT OF FACTS That Real Estate Property XXXX XXXX XXXX XXXX, XXXX, XXXX  was illegally Foreclosed on XX/XX/XXXX of XXXX and the title is tainted by the collusion and cover-up of defendants/ mostly lawyers who have knowledge of the facts and ignored them for personal and professional self-dealing. https : XXXX XXXX Link to taped foreclosure with Wells Fargo Bank buying the property back? \nThe Documents prior to the foreclosure will show that from XXXX - XXXX fraudulent/falsified documents filed against the home put it on the Balance Sheet of XXXX  XXXX XXXX aka XXXX Bank and Wells Fargo Bank by XXXX XXXX XXXX XXXX who went to XXXX. Exhibit 1 & 2 That a letter from XXXX XXXX XXXX shows it was still on the XXXX  XXXX XXXX et al and included in a Federal Settlement- this turned out to be false Exhibit 3 That a Corrected Lost Assignment filed on was done by a Robo-Signer who I have interviewed and stated and gave several hours of disclosure of the corruption. The State of XXXX  requires a review of such document by a lawyer- the BAR NO. on the document belongs to a XXXX in XXXX. No such number exists in Virginia. According to XXXX employees XXXX this is a pattern and practice not to use lawyers and add FAKE Bar Numbers . Exhibit 5 Conversations with Wells Fargo Bank and XXXX  on home which shows it was known by all the scheme to foreclose on falsified documents and that Wells Fargo Bank had no knowledge XX/XX/XXXX, XXXX with Wells Fargo XXXX XXXX XXXX video XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX with Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX who foreclosed was told by XXXX not to. It appears that XXXX XXXX XXXX XXXX demanded the foreclosure for personal financial gain. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a conflict as they with others swindled {$30000.00}. From XXXX XXXX of XXXX - to XXXX XXXX monies stolen from XXXX XXXX XXXX This court XXXX XXXX. XXXX - You can Read More : XXXX : XXXX XX/XX/XXXX - XXXX XXXX  XXXX / XXXX conversation admits XXXX had told XXXX & XXXX to not Foreclose conv starts at about XXXX min and XXXX sec XXXX XXXX XXXXXXXXXXXX XXXXXXXX & XXXX The illegal Foreclosure took place on XX/XX/XXXX, with the bank Wells Frago Bank purchasing the home - Plaintiff is still in the property XXXX : XXXX? XXXX On XX/XX/XXXX, XXXX and XXXX filed a Deed that Wells Fargo Bank was the Owner of the Loan. The lawyers have stated in several documents and in court that Wells Fargo Bank is the lender. Exhibit 11 On or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX exposes that he and his Friend want me to short sell my home to them. That his friend states they can get Wells Fargo to do whatever they want- There are taped conversations Exhibit 17 On XX/XX/XXXX, Plaintiff received 1098 stating the owner was XXXX XXXX the IRS finds this to be a fraud and the complaint is being moved to the XXXX XXXX in Washington DC Exhibit 13 On XXXX XXXX Plaintiff received a letter from XXXX / XXXX is transfer to new servicer after the foreclosure XXXX XXXX XXXX On XX/XX/XXXX Exhibit 1 Copy of Computer - print out for XXXX loan On or around XX/XX/XXXX Exhibits XXXX - XXXX Servicer for Loan No. XXXX XXXX received a letters from XXXX XXXX they now had a loan on property XXXX XXXX XXXX XXXX. The home was foreclosed on XXXX of XXXX and in XXXX XXXX is getting letter from a new Servicer? \nThat the documents from signing into accounts will show now after the foreclosure Plaintiff still had a loan with Two Servicers. Exhibit 21 XXXX XXXX XXXX has always taken a stand they had no ownership and or an interest in a loan on XXXX XXXX XXXX XXXX, but, never took the corrective steps to ensure XXXX was not harmed by lawyers et al. \nOn XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX  to agree to sell the property - knowing the Title of the property was tainted. He would then go on to harass me and my daughters giving out our phone numbers by all appearances to his friend XXXX XXXX who several taped conversations will show the intent and the insider relationship. \nOn or around XX/XX/XXXX Wells Fargo Bank answered discovery and stated they had no loan on XXXX XXXX XXXX XXXX and filed it directly in the XXXX  of XXXX XXXX. They also had no knowledge that XXXX XXXX XXXX XXXX was representing them. \nWells Fargo Bank answered discovery  on XX/XX/XXXX and XX/XX/XXXX with a Notarized Letter that they had no loan or ownership of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Again Wells Fargo Bank had no knowledge of lawyers XXXX XXXX XXXX XXXX XXXX XXXX & XXXX That in or around XXXX the home without notification to Plaintiff was put on the market for Sale by XXXX, XXXX, XXXX SXXXX XXXX XXXX XXXXXXXX aka XXXX, and XXXX XXXX the problem is nowhere on the listing did they disclose the tainted title. Misleading the public of a home that was illegally foreclosed on. \nThat the majority of those involved are Lawyers, Realtors and have an obligation under the professional code of ethics and the law to report such corruption and collusion. \nThey have a responsibility to the public to protect it from such a fraud and the very least to disclose it in any listing to the public that they will pay over {$1.00} XXXX for a property that the bank has tainted the title with the filing of there document in the court that they have no interest in such property. \n\n\nXXXX XXXX","date_sent_to_company":"2025-09-23T16:06:48.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"223XX","tags":"Older American","has_narrative":true,"complaint_id":"15075254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2025-08-04T15:48:06.000Z","state":"VA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["XXXX - You can <em>Read</em> More : XXXX XXXX XXXX/ For ABUSE AND FRAUDULENT PROCESS by Officers of the Court acting wrongly to take real estate of the XXXX located at XXXX XXXX XXXX, XXXX, XXXX  XXXX, under color of <em>law</em> and fraudulent trustee process, to intimidate and cause a wrongful auction."]},"sort":[5.2976227,"15075254"]},{"_index":"complaint-public-v1","_id":"8821942","_score":5.0949373,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint with the CFPB regarding the American Express XXXX XXXX 's failure to fulfill its obligation to discharge my debt. I believe the actions of American Express XXXX XXXX are in violation of consumer protection laws and regulations. I would like to bring to your attention the following details regarding my complaint : Account Number : XXXX I have been diligently making payment of my debt owed to American Express. However, despite my efforts, the debt has not been XXXX as per the terms of the indenture agreement. I have fulfilled all the necessary requirements and obligations, and it is the responsibility of American Express XXXX XXXX to honor their commitment and discharge the debt. \n\nAMEX signs pursuant to The Trust Indenture Act of 1939, to protect the interests of bondholders. It include provisions that outline the duties and responsibilities of the trustee such as the trustee 's role in safeguarding bondholders ' interests, administering payments, enforcing bondholders ' rights, and providing reports and communications to bondholders. \n\nI emailed both XXXX XXXX and XXXX XXXX XX/XX/XXXX regarding this matter as I found their signatures on AMEX XXXX XXXX agreement. I hope to hear back from them asap as this has been a TERRIBLE burden on my family. \n\nFurthermore, I would like to illustrate the colossal waste of time I've spent regarding this matter. This following is only some of our chat history ; this does not include time I've spent on the phone, mailing letters, emails, faxes, etc. This is a punishable crime. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --- Thank you for taking the time to chat with us today. While I am reviewing your account, please feel free to provide any relevant information. \nHello there A Customer XXXX XXXX will be with you shortly. \nWhen will you be crediting my balance so I may use my card? I'm working at my computer so take your time. \nThank you for responding to American Express XXXX. My name is XXXX XXXX. Am I chatting with XXXX XXXX? \nHello and yes, this is she : ) First, thank you for being a valued client since XXXX, we truly appreciate your business with American Express. \nGood morning. How are you? \nThank you Very well : ) Please stay connected while the chat is being transferred. I will also relay the information to the next representative to check this for us. \nI'll be sending you a link as well to be able to update your information. These links are to update your contact and employment information. In case of any changes. You may update your account profile after this chat. \nKindly ignore if it's already updated. \nOther than that, Have I covered all your concerns and made this a great chat experience for you before I connect to customer service? \nSure, sounds good : ) Please stay connected while I connect you to dedicated team. Always remember, we are all on this together. And will always consider it our privilege to be of service. It was my pleasure to assist you today. Thanks for chatting and working with us. Thank you for being a part of our journey here at American Express. \nThanking you for being with American Express since XXXX A Customer XXXX XXXX will be with you shortly. In the meantime, please provide any information that may help us assist you. \nHi XXXX! This is XXXX! Please allow me a moment and I'll pick up from where we left off. \nNo problem at all No worries! Thank you for taking your time to raise this with us. I am checking this for you. Please be online with me. \nI have checked your account, and I would like to inform you that, it takes XXXX hours for the credit limit to refresh and get updated on your account. However, if it has taken a lot of time for this, then I request you to please get in touch with our dedicated Account Services team after XXXX hours, so that they can update your card credit limit manually from their end, and your issue will be resolved. \nSo, Would you be able to call on the direct number if I share it with you? \nI'm here, working. Take your time. \nSure, absolutely Sure. Thank you for your kind understanding and patience. \nPlease have this number, and call them whenever you are free. \nXXXX Operational Hours of work -- XXXX hours a day / XXXX days a week Is there anything else I can do to make your day easier? \nOk, thank you. Will you also be noting my account that I inquired about when my balance will credited? \nThat has already being done, and this chat is available for both of us XXXX. You could check, and review this chat anytime. Also, the chat notes are added to your card account. Your understanding is appreciated in this. Thank you! \nFantastic. Thank you so much for your help and have a terrific day. : ) Pleasure! I appreciate your valuable time today. \nIt was a pleasure assisting you with your query. American Express appreciates your business. Have a great rest of your day! \nXXXX XXXX, XXXX We need to chat with you. It's an important matter regarding your account. Please respond if you have a moment to chat with us now. \nHello there. When will you be crediting my account for my payment? \nThank you for responding to American Express XXXX. My name is XXXX. Am I chatting with XXXX XXXX? \nYes, Ma'am Thanks for taking out the time to chat with us today! Let me quickly check the account details for you. Meanwhile, feel free to elaborate on your concern if needed. \nMy payment has not been applied to my balance details portion of my account. \nThanks for staying connected with me, I have thoroughly checked the account details for you. \nNo problem. \nI'm afraid I do not see your payment reflecting on the account as of now. Just to confirm, XXXX I know the amount and mode of this payment? \nPIF I uploaded a photo of it, faxed it and mailed it. It's showing there is no payment due but the balance has not been credited. \nThank you for sharing! So, just to confirm, this was a check payment sent to us via mail. Correct? \nYes, that is correct. It was my dividend check, endorsed to AMEX. \nMay I know if the funds have been deducted from your bank for this payment? \nI don't think you understand what I'm referring to but your supervisor might and legal definitely will. The \" Coupon '' is a dividend check that belongs to me. I endorsed it to AMEX. That is why my balance is in \" dispute '' but it's not in dispute when you click on the dispute link. \nThe payment has been applied already, which is why it states, XXXX balance. \nI would need to connect you with our dedicated Customer Service XXXX so that they can assist you with this concern. I have mentioned the query in notes for you so that you do not need to repeat the concern and the team will be helping you right away! \nA Customer Care XXXX will be with you shortly. In the meantime, please provide any information that may help us assist you. \nSure thing. \nHi, XXXX, my name is XXXX. \nXXXX. Great name. \nHello there. Good afternoon! Please allow me to read the conversation above to further assist you on this. \nAbsolutely. \nThanks for your patience with me! Is this the {$20000.00}? \nYes, sir. \nThank you for that swift confirmation. I will now review the account. \nI will need few minutes here to fully review the dispute filed on the missing payment. Is it okay to ask for XXXX minutes here? \nTake your time. I'm working on the computer, regardless. No rush. \nI appreciate your time in waiting here. I have found the case submitted towards the missing payment. Now, I know that you want this to be checked and I will contact our internal team towards the review to see the result of the investigation. \nI would like to ask for your patience here to contact us back within XXXX days for the outcome. \nXXXX business days? Are you sure about that? \nYes, the reason for that is the case has been completed, but we would like to ask them the details of the investigation to provide that to you and to know the resolution they made on the account. \nWhy would that need XXXX days? The payment was made so why would it take that long to receive an answer? \nI can sense the urgency here. The payment did not reflect on the account but our team has opened a case to investigate and provide action for your account. Now, we will contact them directly to reissue to you the outcome or for us to provide that to you after we received a response from our internal team. \nAMEX recently pulled my credit report without my authorization. It didn't take them XXXX days for that. \nI get you on that and please know that we are here to provide the help needed towards the payment you made. Please know that as the payment has been submitted for a case, you are not liable for any balance on the account towards that payment as our team will provide action to help you. \nRight now, I will be the one sending the email towards our internal team to provide the result of the case and the action provided to help you. \nAfter having my XXXX credit destroyed by fraudulent practices, I've become very informed of my rights. As long as you will kindly relate the message to your team, a reminder, pursuant to 15 USC subsection 78t, \" It shall be unlawful for any XXXX or XXXX of, or any owner of any securities issued by, any issuer required to file any document, report, or information under this chapter or any rule or regulation thereunder without just cause to hinder, delay, or obstruct the making or filing of any such document, report, or information. '' I truly understand you on this matter. I'll have this sent to them but please know that as you have reported the payment that is not reflecting on your balance, our team has reviewed it and submitted a case. Hence, any possible action to correct this will be made on the account. \nI'm receiving emails about payment due when payment has already been made. Legally, after I revoke my POA, the dividend check belongs to me. I gave it to amex. I am aware of securities fraud, just to pass along. \nThis will be sent to them and I will have this communicated to them as I am with you on this. \nPlease be assured that American Express will help and will provide action accordingly for this payment that is missing. \nOk, XXXX. Thank you for your time. You've been excellent. \nNo problem on this. I know how you feel about this and I will send them a communication for the result. I appreciate your understanding on this matter as well. \nI want to make sure that all your queries have been addressed. Would there be anything else that I can do for you? \nNo, you've addressed everything really nicely. I appreciate that. Thank you. \nYou're very much welcome, XXXX! It was a pleasure assisting you with your query. \nAmerican Express appreciates your business. Have a great day! \nYou too, XXXX. : ) XXXX XXXX, XXXX XXXX, I received another message, stating I need to chat regarding my account. \nSo here I am. : ) Any updates on when my balance will be credited? \nThank you for responding to American Express chat. My name is XXXX. Am I chatting with XXXX XXXX? \nYes, you got it! \nThank you for confirming. Thank you for keeping us in your wallet. I hope you are doing well. I am from the account services team of American Express. \nHello XXXX. Let me quickly review your account. Please stay connected. \nNo problem. Take your time. : ) Thank you! \nThank you for patiently waiting. \nXXXX, I see that XXXX of the dedicated team is handling your account, and I would kindly request you to call the team on this number XXXX, and the team are available from Monday - Friday XXXX a.m. - XXXX XXXX, Saturday - Sunday XXXX a.m. - XXXX https : XXXX. \nAnd this is in regard to the limit reduction on your account. \nWould you prefer I call right now? \nYes, you can call them right away as well, XXXX. \nIs there anything else that you wish to check on the account? I will be happy to help. \ncalling now ty! \nPerfect! You're welcome, XXXX. Thank you for chatting with us today. We appreciate your Business. Have a great rest of your day. \nTake care! Bye. \nXXXX XXXX, XXXX We need to chat with you. It's an important matter regarding your account. Please respond if you have a moment to chat with us now. \nHello, I see there is a message for me to chat. Please update me regarding my status. \nThank you for responding to American Express XXXX. My name is XXXX. Am I chatting with XXXX XXXX? \nHello there, I sent my dividend remittance coupon in to amex and wanting to know why my balance hasn't been credited. \nHi, Am I chatting with XXXX XXXX? \nYes, you bet. \nThank you for confirming. Thank you for choosing American Express as your credit partner. \nLet me quickly connect you to the Customer service team who will be able to assist you better with this request. Please stay connected. \nPlease take a moment to update your information. I am sending XXXX links with instructions to complete. These links will direct you to the American Express Web page. You XXXX update the changes at your convenience after this chat. \nA Customer Care XXXX will be with you shortly. In the meantime, please provide any information that XXXX help us assist you. \nHi, XXXX. You are connected to XXXX. I will pick up from where you left off. \nHello, XXXX I will check this for you right away, please allow me a moment here. \nJust to confirm, are you referring to any paymenet that you sent to us? \nThank you XXXX, ma'am my dividend check, I endorsed it to AMEX. \nThank you for confirming. \nMeanwhile, XXXX I ask how has your day been so far? \nThat's nice of you. It's ok. ; ) That's great! \nI am still checking it for you Please stay with me. Thank you for your patience. \nThank you I have checked it for you and I see that your payment was received on XXXX XXXX and it takes XXXX hours for the payment to reflect on the account, I request you to please wait for XXXX hours and your balance will be updated as well, do not worry at all Ok, thank you very much You are always welcome! : ) Anything else I can do to make your day easier? \nNo, you are terrific, thank you kindly","date_sent_to_company":"2024-04-22T01:17:40.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"530XX","tags":null,"has_narrative":true,"complaint_id":"8821942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-04-22T00:45:19.000Z","state":"WI","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I am <em>aware</em> of securities <em>fraud</em>, just to pass along. \nThis will be sent to them and I will have this communicated to them as I am with you on this. \nPlease be assured that American Express will help and will provide action accordingly for this payment that is missing. \nOk, XXXX. Thank you for your time. You've been excellent. \nNo problem on this. I know how you feel about this and I will send them a communication for the result. I appreciate your understanding on this matter as well."]},"sort":[5.0949373,"8821942"]},{"_index":"complaint-public-v1","_id":"7560143","_score":3.7122457,"_source":{"product":"Mortgage","complaint_what_happened":"Im getting notices from Newrez LLC also known as Shellpoint Mortgage Servicing ( Newrez/Shellpoint ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) threatening me with foreclosure. Newrez/Shellpoint and XXXX falsely represented to Borrower that Newrez/Shellpoints attorney was meaningfully involved in preparing and filing the foreclosure action ( Recording Notice of Default ), violating the Fair Debt Collection Practices Acts ( FDCPA ) prohibition against collecting debts by using false, deceptive, or misleading representations and the Consumer Financial Protection Acts prohibition against deceptive acts and practices. The mortgage Note and Deed of Trust ( DOT ) & Assingnments of DOT in question was originated by XXXX XXXX, XXXX ( XXXX ). This Mortgage Loan was originated on XX/XX/XXXX. The Deed of Trust listed XXXX XXXX, XXXX as the lender, XXXX XXXX, XXXX. as the trustee. The Deed of Trust identifies me as the Borrower. I was a borrower of this Mortgage Loan. I sent documents to Shellpoint numerous times. In XXXX, I sent Notice of Error ( NOE ) and Request for Information ( RFI ) to Shellpoint Mortgage Servicing ( Shellpoint ). Shellpoint Mortgage Servicing is a division of Newrez LLC ( Newrez ). Shellpoint responded to my NOE & RFI. However, Shellpoint did not answer most of my NOEs & RFIs. Shellpoints deficient foreclosure policies and procedures violate Regulation X. Newrez/Shellpoint failed to ensure that Shellpoint receives accurate and current information reflecting its foreclosure attorneys actions. In fact, Shellpoint has failed to accurately maintain foreclosure-related information necessary to ensure that it provides borrower with required foreclosure protections. As a result of these and other failures, XXXX have wrongfully initiated foreclosure proceedings. Shellpoint and XXXX sent me an inaccurate payoff quote that caused the borrowers pending property sale to fall through. Shellpoint failed to comply with foreclosure restrictions in Regulation X and other federal and state restrictions in order to ensure that homeowner has an opportunity to save my home before foreclosure is initiated. I found that Shellpoint provided inaccurate descriptions of payments and transaction information, which may have misled borrower. This is unfair practice and violation by Shellpoint. Newrez/Shellpoint violated the RESPA, which prohibits, among other things, providing something of value to any person with an agreement or understanding that the person will refer real estate settlement services. Mortgage Servicer must comply with the error resolution and information requests provision. Shellpoint has failed to protect borrower when it has made servicing errors. Shellpoints errors at loan servicing stage have made it even more important that the company adequately investigate and respond to me Notices of Errors & Request for Information. These functions can act as a safety net to catch borrowers before borrower further harmed by a servicers unlawful conduct. Here, too, Shellpoint has failed. Shellpoint has routinely failed to reasonably investigate, and, when appropriate, make corrections in response to me Notices of Errors & Request for Information. These failures have caused serious harm to me. As a result of Shellpoints above policies and procedures, which also apply to NOEs, Shellpoint has failed to conduct reasonable investigations and/or, where appropriate, make corrections of errors in my Notice of Error & Request for Information. Shellpoint has not responded to all notice of errors or information request that I sent. Shellpoint failed to provide my RFI and Shellpoint failed to correct errors in Notice of Default. They failed to correct Broken Chain of Title, etc. Shellpoint and XXXX did not file Rescission of Notice of Default. Shellpoint just stated the Owner of Mortgage Loan is The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Shellpoint is acting on the XXXX XXXX 's behalf. XXXX violated various state and federal laws in initiating a non-judicial foreclosure of subject property. Shellpoint participated and conspired with XXXX XXXX in the FRAUDULENT TRANSFER ( Fraudulent Assignments of Deed of Trust ) of the Subject Property. XXXX suddenly appeared in foreclosure actions ( recorded Notice of Default, Notice of Trustees Sale ). XXXX called themselves Trustee. Notice of Default ( NOD ) was filed in XXXX, listing XXXX as the XXXX for XXXX. NOD was executed on XX/XX/XXXX by XXXX XXXX acting as authorized agent for XXXX. Shellpoint and XXXX  do not have the authority to foreclose on my home because Shellpoint, XXXX XXXX and XXXX do not own the note, have not followed proper foreclosure procedures, have not complied with certain statutory mandates. I believe my original mortgages debt was satisfied and XXXX lost any beneficial interest in my mortgage when my mortgage securitized the note and sold it to third parties and documents effecting the foreclosure process were invalid because they were improperly recorded and/or signed by someone who lacked the requisite personal knowledge and/or authority to sign. Gap in the chain of title prior to assignment of deed of trust causes the assignment and assigned deeds to be void. These Assignments of Mortgage Loan is a fraud and forgery and, even if it were not, there is broken chain of assignments from XXXX to XXXX XXXX. Assignment to XXXX XXXX is invalid and demonstrates a break in the chain of assignments of the Deed of Trust and Note. Shellpoint, XXXX XXXX and XXXX thus has no standing to foreclose as a real party in interest. Shellpoint, XXXX XXXX and XXXX failed to timely inform me of any alleged Appointments, Assignments and transfers of the mortgage in violation of RESPA. Shellpoint, XXXX XXXX and XXXX failed to timely notify me of any change of servicers, and I have made written demands to Shellpoint to show evidence of standing to claim a debt but Shellpoint, XXXX XXXX and XXXX have refused to evidence such standing. XXXX and Shellpoint are without standing to pursue this foreclosure action. XXXX XXXX Shellpoint have represented that XXXX XXXX owns and holds the note and mortgage. However, XXXX Certificates Assignments of the Mortgage or Deed of Trust ( Assignments ) were executed by a legal entity that was no longer in existence on the date the document was executed. Assignments of the mortgage or Deed of Trust were executed by an entity whose name is different from the entity named in the original document. XXXX XXXX does not have an interest in the property because the assignments of original Deed of Trust were not properly executed for a variety of reasons. Assignments of the mortgage from XXXX to XXXX XXXX had been robo-signed. Every robo-signed document is XXXX as a matter of law. The assignment ( recorded in XXXX ) was void because XXXX XXXX XXXX was a robo-signer. XXXX XXXX also lacked authority to act on behalf of XXXX or XXXX, therefore the XXXX assignment was unauthorized. It appears to have been executed on behalf of XXXX  by the same person, XXXX XXXX, who executed the assignments on behalf of XXXX XXXX XXXXXXXX and other companies. I discovered the signature of \" XXXX XXXX XXXX '' but with many different titles of multiple entities. On XX/XX/XXXX, XXXX XXXX signed for XXXX  XXXX XXXX As Attorney In Fact for XXXX XXXX, LLC by Power of Attorney Recorded on Document Number XXXX as Assistant Vice President. On XX/XX/XXXX, XXXX signed for XXXX XXXX XXXX As Attorney In Fact for XXXX XXXX, LLC by Power of Attorney Recorded on Document Number XXXX as Assistant Vice President. At the same period of time ( On or about XX/XX/XXXX ), XXXX XXXX signed for XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, Successor By Merger to XXXX Bank, XXXX Its Successor and Assigns as Assistant Secretary ( XXXX Assignment of Deed of Trust ). XXXX XXXX signed this XXXX Corrective Assignment of Deed of Trust ( Subject Property ). XXXX XXXX, who signed the XXXX assignment, as Assistant Secretary of XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX  ), appears to be the same individual who claimed to be both Assistant Secretary of XXXX  and Assistant Vice President of XXXX  XXXX XXXX. The intervening assignments are invalid because the individual who \" robo-signed '' the assignment on behalf of XXXX, XXXX XXXX XXXX XXXX held herself out as Assistant Secretary for XXXX  when she was instead an employee of XXXX XXXX  XXXX and/or other companies. Signature must be signed by a XXXX XXXX XXXX acting within the scope of his/her authority from XXXX. Title must be one he/she holds as a real officer of XXXX. XXXX XXXX is NOT real officer of XXXX. A signer XXXX XXXX actually lacked an agency relationship with XXXX. XXXX XXXX also signed the documents ( Assignments of Deed of Trust ) on behalf of many other companies/different entities. This Robo-signed XXXX assignment ( Subject Property ) is void and invalid. XXXX  is a shell corporation created by the mortgage banking institutions that used to be lenders and are now servicers the pretender-lenders. XXXX  has no role in the origination or original funding of the mortgages or deeds of trust for which it serves as nominee. XXXX  has no legal or beneficial interest in the loan instrument underlying the security instrument for which it serves as nominee. XXXX  is described as the nominee for the specifically named lender who is just an originator selling a financial product as described above. XXXX  is used as a cover-up. It effectively hides the title gap in plain sight. The execution of an assignment or corrective assignment presumes that it is acting as an agent for whoever is currently named as the claimant, beneficiary. But no such agency exists in fact or at law. The execution of a security instrument ( mortgage or loan ) by a self-proclaimed servicer ( which performs no servicing duties with respect to receipts data processing and disbursement of money from homeowners ) on behalf of a new entity appointed to be the claimant, beneficiary. But the execution of the assignment by XXXX  on behalf of XXXX after the collapse of XXXX. it does not exist. And XXXX  XXXX XXXX did not acquire any ownership interest in any homeowner transactions because XXXX  didnt own any such interest. So while XXXX  XXXX XXXX was a successor to XXXX, the foreclosure team is relying on appearances in order to get the court to presume that the merger created a transfer of the ownership of the unpaid nonexistent loan account receivable of the mortgage rights from XXXX as originator to XXXX XXXX XXXX. In such mergers, there is no Mortgage Loan Schedule, nor any written assignment of mortgage. Since the law requires the assignment, the presumption that the transfer could occur without an assignment of mortgage is erroneous. The document is supposedly executed by someone calling themselves an assistant secretary. But note that it does not say that the signor ( XXXX XXXX ) was the XXXX XXXX of XXXX. There is mention of XXXX  it includes the phrase its successors and assigns such that it is unclear from the grammar utilized whether there is a successor to XXXX  or a successor for the principal in the agency agreement between XXXX  and the originator ( XXXX XXXX ). But there is no succession to either one unless ( a ) someone bought or merged with XXXX  or ( b ) someone bought loan accounts receivable from XXXX. Such a sale wouldve been impossible because, by the time of the merger, XXXX had only reserved servicing rights which really only meant the claim to receive servicer advances upon liquidation of a foreclosed property. So there is no XXXX  successor and there is no XXXX successor as it relates to either the actual presumed transfer of the alleged underlying obligation. XXXX  has no role in the origination or original funding of the mortgages or deeds of trust for which it serves as nominee. XXXX  has no legal or beneficial interest in the promissory note underlying the security instrument for which it serves as nominee. XXXX  has no legal or beneficial interest in the loan instrument underlying the security instrument for which it serves as nominee Theres No document authorizing MERS, as nominee for the original lender ( XXXX ), to assign the subject mortgage to the foreclosing trustee. Hence, XXXX  lacked authority as mere nominee to assign my mortgage, making any assignment from original lender or XXXX  defective. XXXX, as the nominee not only lacks authority to assign the mortgage, but can not demonstrate the trustees knowledge or assent to the assignment by MERS to the foreclosure trustee. Any attempt to transfer the beneficial interest of a trust deed without actual ownership of the underlying note, is void under law. XXXX XXXX signed for this XXXX XXXX. XXXX XXXX signed for false beneficiary and XXXX  illegally named as Assignee/Beneficiary. XXXX  named Mortgage Servicer ( XXXX XXXX Bank, etc. ) as XXXX in XXXX Assignment. XXXX  assigned to False Beneficiary/False Assignee or An Impossible Beneficiary. See 15 USC 1641f1 ( stating a servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as an assignee of such obligation for purposes of this section unless the servicer is or was the owner of the obligation ) XXXX XXXX signed the Assignment of Deed of Trust recorded on XX/XX/XXXX. In XXXX, XXXX XXXX signed the assignment as an officer of XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, as Trustee for the Benefit of XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX can not be Vice President and XXXX XXXX for this Nonexistent Trust. There is no trust officer appointed by this XXXX XXXX to actively manage the affairs of the trust. XXXX XXXX should indicate the real company she works for. And XXXX XXXX should indicate her real title of company she works for. I found XXXX XXXX on XXXX. XXXX XXXX XXXX page on XXXX identifies her as an employee of XXXX XXXX XXXX XXXX XXXX A robo-signed assignment is a void assignment, and a void assignment unravels the entire nonjudicial foreclosure. The Bank and Mortgage Servicer acted with malice by recording ( themselves ) an assignment of an interest it knew it did not possess, fully aware that the ensuing Notice of Default ( XXXX ) and all that followed were void. XXXX XXXX & XXXX XXXX fraudulently executed the assignment and XXXX XXXX & XXXX XXXX were nothing more than what has come to be known as robo-signer-an individual who simply signs thousands of property record documents without any legal or corporate authority whatsoever. XXXX XXXX and XXXX XXXX had signed the assignment on behalf of XXXX  ( or beneficiary ) without adding behalf of and/or \" as attorney in fact '' the chain of title would be broken, or the assignment would be facially defective. There is no proof of authority anywhere on the document, indicating that XXXX XXXX ( the signer ) & XXXX XXXX ( the singer ) had the authority to execute the instrument in that capacity, let alone have personal knowledge of its contents. Therefore, these assignments were void since a void assignment lacks any legal effect. XXXX XXXX and XXXX XXXX XXXX ( robo-signers ) signed notarization of these Assignments. These Mortgage assignments with signatures of individuals ( XXXX XXXX & XXXX XXXX ) signing as corporate officers for corporations that never employed them in any such capacity. Contracts that are entered into by someone without capacity, impossible contracts, contracts against public policy and contracts for illegal acts are void contracts. Assignments of the trust deed from the original mortgage holder ( XXXX  ) to XXXX XXXX were void and therefore the foreclosure Notices ( Recording NOD NTS ) were invalid or void. XXXX XXXX lacked standing to bring the foreclosure action because it was not the owner of the Note when it filed the XXXX foreclosure action ( NOD ). These assignments were improperly executed by \" robo signing agents or robo-signer '' and thus XXXX XXXX \" does not have lawful ownership or a security interest in my home. Shellpoint does not have standing to foreclose on the subject property as it is not the holder in due course of the subject loan. I'm a victim of robo-signing. A valid Substitution of Trustee has never been made by a beneficiary with authority to appoint a successor trustee which states, The beneficiary may at any time remove a trustee for any reason or cause and appoint a successor trustee, and such appointment shall constitute a substitution of trustee. The recorded Substitution of Trustee fails to meet the requirements in that no document has ever been acknowledged that substitutes or appoints a trustee by an authorized Beneficiary or its agent. A document purporting to create an interest in, or a lien or encumbrance against, real property not authorized by statute, judgment or other specific legal authority is presumed to be groundless and invalid. A valid Substitution of Trustee to XXXX has never been made in accord with any contractual provision, California statute. Therefore, the Notice of XXXX XXXX XXXXs void as the cited Trustee has never been authorized to exercise a power of sale against the property. The XXXX Notice of Default was thus defective because it was recorded by an entity not yet properly substituted as the trustee. See Cal. Civ. Code Section 2934a ( stating that a trustee is properly substituted by the recording of a s substitution ) CCC Section 2934a ( b ) ( stating that if the substitution is executed prior to or concurrently with the recording of a Notice of Default, then Notice of the Substitution must be mailed on or before that recording date ) Section 2934a ( b ) requires that a Notice of Substitution of Trustee include notice of actual substitution. See Cal. Civ. Code Section 2934a ( b ) ( stating that the beneficiary or their authorized agent shall cause notice of the substitution to be mailed ) Here, XXXX was never substituted as the trustee, all actions taken by XXXX were invalid. Substitution of Trustee was never executed. Substitution of Trustee was never mailed. Substitution of Trustee was never recorded. This is in clear Violation of Section 2934a & 2934a ( b ). Since theres No Substitutions of Trustee ( Theres No appoint to new trustee XXXX ), XXXX can not file Notice of Default ( NOD ), Notice of Trustees Sale ( NOT ) against subject property. NOD recorded on XX/XX/XXXX and Notice of Trustees Sale ( NOT ) recorded on XX/XX/XXXX. Recordation of the NOD ( XXXX ) and NOT ( XXXX ) were Void because Notice XXXX XXXX XXXX Notice XXXX XXXX XXXX were not executed by authorized Trustee. XXXX & Shellpoint knew all these assignments of deed of trust, XXXX NOD, and XXXX NOT were void, invalid, and fraudulent. Only the original trustee ( XXXX ) or a properly substituted trustee may carry out a foreclosure, and substitutions of trustee must be recorded. Without a proper substitution of trustee, any foreclosure procedures ( including sales ) initiated by an unauthorized trustee are void. XXXX has No authority to sell my property. I face the prospect of losing my home due to the actions of an entity that has no power to foreclose because it does not own my Deed of Trust. There is no evidence as to what rights if any XXXX XXXX had in the subject Note and Deed of Trust or its relationship with XXXX. This defect was so substantial that it broke the chain of title and rendered the foreclosure sale void. Endorsement to the Mortgage Note : A copy of the original Note made payable to the originator is offered as evidence. Although there is adequate room on the note, no endorsement appears on the Note. An unattached XXXX XXXX is offered with no explanation as to why an allonge is necessary given that there is adequate room on the note for an endorsement. Nothing standing the lack of an endorsement on the actual note, the Endorsement allonge is not clear, not XXXX XXXX. Shellpoint, XXXX XXXX and XXXX have offered no competent evidence of standing : No Valid and No Certified Copy of Assignment of Deed of Trust. No endorsed Note to XXXX XXXX and no proof of Delivery Note. XXXX XXXX lacks standing, is not a Real Party in Interest, and offered no evidence that it is the current holder of the mortgage Note. No Certified Assignment is offered. The copy of the mortgage Note offered by the XXXX XXXX does not include a valid endorsement, in blank or otherwise nor any proof of acceptance or delivery of the note. Heres Assignments of DOT History. The Assignment ( recorded XX/XX/XXXX ), assigned to The XXXX XXXX XXXX XXXX, As Trustee for the Benefit of XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. The assignment ( recorded XX/XX/XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX, XXXX, XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. Corrective Assignment of Deed of Trust ( recorded XX/XX/XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX XXXX. However Shellpoint stated the owner of loan is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. The name of the owner of the loan is different from Assignments of Deed of Trust. They added the XXXX XXXX XXXX XXXX XXXX XXXX in assignee name themselves. But theres No Assignment assigned to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Theres no XXXX XXXX XXXX XXXX XXXX XXXX in Assignments of Deed of Trust. They created this fake name/fake entity without recording the Assignment of Deed of Trust XXXX XXXX XXXX XXXX XXXX Shellpoint stated Current Beneficiary full name ( owner of mortgage loan ) is The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Shellpoint and XXXX should explain why Shellpoints beneficiary ( XXXX XXXX ) full name is different from Assignments beneficiaries ( XXXX, XXXX, XXXX ). Please read all assignments of DOT carefully. XXXX XXXX full name is different from these Assignments beneficiaries full name. There is no identification of the certificates nor any identification of the holders of the certificates. The certificates do not convey any right, title or interest to any debt, note or mortgage, nor any payment or proceeds arising from any loan. Thus no claim could be made for a loss on an investment that does not exist. There is no investment in loans directly or indirectly. There is no representative capacity. XXXX does not represent the interests of investors in the certificates. XXXX XXXX has no powers of administration, collection or enforcement over any debt, note or mortgage and in fact has no right to even make an inquiry as to the status of any loan. Neither XXXX XXXX nor the implied trust have ever paid value for the underlying dead, they could not possibly own the mortgage and therefore could not possibly authorize enforcement. The use of the name of XXXX XXXX might be authorized in an agreement with an investment bank to use the XXXX XXXX XXXX XXXX ( XXXX ) name as part of a license agreement, but such an agreement violates existing law by naming a party as an entity who has no claim. Since that is an agreement to violate the law, the authorization is a legal nullity. And that obviously means that the Foreclosure bill did not have any real authority or any contract under which it was authorized to file a foreclosure action that had a XXXX XXXX XXXX XXXX XXXX XXXX, or any trust or any investors. Loan Servicer Shellpoint has no operative relationship with XXXX XXXX because the named XXXX XXXX has no claim. Mortgage Servicer Shellpoint may have some agency with XXXX XXXX but that does not create the rights they seek to enforce. XXXX XXXX XXXX XXXX XXXX as trustee for the certificate holders is an exercise in deceit and fraud. XXXX XXXX is not making any appearance despite its name appearing in the title of the document or case. It is named as being a trustee which means by definition that it is not appearing on its own behalf but rather appearing on behalf of a trust. There is never any allegation in XXXX Certificates foreclosure action that states that the trust was organized and existing under the laws of some XXXX jurisdiction. FOR THE CERTIFICATE HOLDERS IS A DEAD GIVE-AWAY THAT THERE IS NO CREDITOR XXXX  IS NOT A TRUSTEE FOR ANY CERTIFICATE HOLDERS BECAUSE THE CERTIFICATE HODLERS ARE NOT BENEIFICAIRIES OF ANY TRUST. Upon reviewing all of the Recorded Deeds, the Chain of Title clearly reflects that XXXX XXXX was never granted title by A VALID XXXX. Therefore, Shellpoint and XXXX had no authority to prosecute the foreclosure action. Clearly, Shellpoint and XXXX XXXX have failed to show standing and a proper chain of title of the note. Shellpoint, XXXX XXXX and XXXX have demonstrated that it lacks the right to initiate the pending non-judicial foreclosure. As Shellpoint has failed to meet its burden of proof to establish standing, the foreclosure on XX/XX/XXXX must be cancelled. XXXX instituted non-judicial foreclosure proceedings on a subject property. XXXX was not the trustee named in the deed of trust, so under Civil Code 2934, XXXX was required to record a Substitution of Trustee, but failed to do so. Failure to comply with state and federal law can result in serious consequences for the loan servicer Shellpoint. XXXX was not formally named as trustee until after they recorded the XXXX Notice of Default and XXXX Notice of Trustees Sale. Valid Mortgage holders did not execute a substitution formally naming the trustee delivering the XXXX Notice of Default as the substitute trustee until today. They didnt correct assignment before recording XXXX NOD against subject property. Shellpoint and XXXX  must explain why entities full names in assignment of DOT are different from XXXX XXXX. Shellpoint and XXXX  Certificate have no right to foreclose on my property because the last recorded assignment of deed of trust reflects that XXXX is the beneficiary, and not XXXX  Certificate. See Assignment. XXXX XXXX and Shellpoint violated Cal. Civ. Code Section 2932.5 because they do not have the power of sale and have not demonstrated legal standing to foreclose upon subject property. The entity that issued the NOD to me on XX/XX/XXXX, acted before it had legal authority to do so pursuant to an assignment of the deed of trust. The foreclosing parties had no actual authority to foreclose my home. The foreclosing party did not have a recorded assignment in place under section XXXX, which XXXX XXXX was not actual the beneficiary and XXXX was not an authorized agent of beneficiary or trustee. It appears XXXX is attempting to act as agent to Servicer NewrezXXXXShellpoint XXXX but it is unclear on behalf of what entity it was acting and whether said entity had any interest in the subject property. The foreclosure was not initiated by the correct party. At the time of NOD ( XXXX ), there had been no assignment to XXXX XXXX. The wrong parties issued the Notice of Default. The threat of foreclosure by wrong party is sufficient to constitute prejudice to the homeowner because there is no power of sale without a valid Notice of Default. I was harmed by not knowing the true of Note. I was harmed by not being able to name the real party of interest. The XXXX Assignment & XXXX Assignment were void, and therefore the XXXX Notice of Default ( NOD ), and XXXX Notice of Trustee 's Sale, were void. Theres No Assignment assigned to XXXX XXXX and therefore the XXXX NOD and XXXX NOT were void. Theres No Substitute Trustee listing XXXX  as Trustee, therefore XXXX NOD and XXXX NOT were void. Shellpoint, XXXX XXXX and XXXX did not have standing to foreclose on the Subject Property because none of them was the lender under the Loan, the holder of the Note, or the holder of a beneficial interest in the Deed of Trust. The Notice of Default ( NOD ) was unlawfully recorded in XXXX. Defects in the foreclosure process and the authority of XXXX to foreclose on my property. XXXX XXXX and Shellpoint lacked authority to appoint the Substitute Trustees. Foreclosure actions of Shellpoint and XXXX have resulted in borrower being threatened with the loss of the property. Shellpoint and XXXX intentionally, knowingly and recklessly misrepresented to me those agents of Shellpoint and XXXX were entitled to exercise the power of sale provision contained in the Deed of Trust. In fact, Shellpoint, XXXX XXXX, and XXXX were not entitled to do so and have no legal, equitable, or actual beneficial interest whatsoever in the subject property. Shellpoint, XXXX XXXX and XXXX began their fraudulent foreclosure proceedings, Shellpoint, XXXX XXXX and XXXX were not acting in good faith while attempting to collect on the subject debt. Shellpoint, XXXX XXXX and XXXX committed the acts set forth above with complete ; utter and reckless disregard of the probability of causing homeowner ( me ) to suffer severe emotional distress. As an actual and proximate cause of Shellpoint, XXXX XXXX and XXXX  attempt to fraudulently foreclose on my home or claim of the right to foreclose on my home, I have suffered severe emotional distress, including but not limited to lack of sleep, XXXX, and XXXX. Shellpoint and XXXX committed fraud by filing a fraudulent assignment of mortgage from XXXX to Shellpoint ( as servicer ). XXXX filed NOD with actual knowledge that the averments and representations made in those papers were false. XXXX had actual knowledge of the falsity of any averments and representations made on behalf of the current servicer of the mortgage. Throughout the foreclosure action, Shellpoint and XXXX have represented that XXXX XXXX owns and holds the note and mortgage. I request a determination of the rights, obligations and interest of the parties with regard to the subject property, and such determination is necessary and appropriate at this time under circumstances so that all parties may ascertain and know their rights, obligations and interests with regard to the property. I request a determination of the validity of the Trust Deeds as of the date the Notes were assigned without a concurrent assignation of the underlying Trust Deeds. I request a determination of the validity the XXXX NOD. I request a determination of whether XXXX XXXX and XXXX have authority to foreclose on subject property ( my property ).","date_sent_to_company":"2023-09-16T19:55:32.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"92833","tags":null,"has_narrative":true,"complaint_id":"7560143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-09-16T19:30:39.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["There is never any allegation in XXXX Certificates foreclosure action that states that the trust was organized and existing under the <em>laws</em> of some XXXX jurisdiction. FOR THE CERTIFICATE HOLDERS IS A DEAD GIVE-<em>AWAY</em> THAT THERE IS NO CREDITOR XXXX  IS NOT A TRUSTEE FOR ANY CERTIFICATE HOLDERS BECAUSE THE CERTIFICATE HODLERS ARE NOT BENEIFICAIRIES OF ANY TRUST. Upon reviewing all of the Recorded Deeds, the Chain of Title clearly reflects that XXXX XXXX was never granted title by A VALID XXXX."],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[3.7122457,"7560143"]},{"_index":"complaint-public-v1","_id":"7558870","_score":3.7122457,"_source":{"product":"Mortgage","complaint_what_happened":"Im getting notices from Mortgage Servicer Shellpoint Mortgage Servicing ( Shellpoint ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) threatening me with foreclosure. Shellpoint and XXXX falsely represented to Borrower that their ( Shellpoints ) attorney was meaningfully involved in preparing and filing the foreclosure action ( Recording NOD NOT ), violating the Fair Debt Collection Practices Acts ( FDCPA ) prohibition against collecting debts by using false, deceptive, or misleading representations and the Consumer Financial Protection Acts prohibition against deceptive acts and practices. The mortgage Note and Deed of Trust ( DOT ) & Assingnments of DOT in question was originated by XXXX XXXX XXXX XXXX XXXX XXXX. This Mortgage Loan was originated on XX/XX/XXXX. The Deed of Trust listed XXXXXXXX XXXX XXXX as the lender, XXXX XXXX, XXXX. as the trustee. I was a borrower of this Mortgage XXXX. The Deed of Trust identifies me as the Borrower. I sent documents to Shellpoint numerous times. In XXXX, I sent Notice of Error ( NOE ) and Request for Information ( RFI ) to Mortgage Loan Servicer Shellpoint Mortgage Servicing ( Shellpoint ). Shellpoint Mortgage Servicing is a division of Newrez LLC. ( Newrez ). Shellpoint responded to my NOE & RFI. However, Shellpoint did not answer most of my NOEs & RFIs. Shellpoints deficient foreclosure policies and procedures violate Regulation X. They failed to ensure that Shellpoint receives accurate and current information reflecting its foreclosure attorneys actions. In fact, Shellpoint has failed to accurately maintain foreclosure-related information necessary to ensure that it provides borrower with required foreclosure protections. As a result of these and other failures, Shellpoints Trustee XXXX  have wrongfully initiated foreclosure proceedings. Shellpoint and XXXX sent me an inaccurate payoff quote that caused the borrowers pending property sale to fall through. Shellpoint failed to comply with foreclosure restrictions in Regulation X and other federal and state restrictions in order to ensure that homeowner has an opportunity to save my home before foreclosure is initiated. I found that Shellpoint provided inaccurate descriptions of payments and transaction information, which may have misled borrower. This is unfair practice and violation by mortgage servicer Shellpoint. Shellpoint violated the RESPA, which prohibits, among other things, providing something of value to any person with an agreement or understanding that the person will refer real estate settlement services. Mortgage Servicers must comply with the error resolution and information requests provision. Shellpoint has failed to protect borrower when it has made servicing errors. Shellpoints errors at loan servicing stage have made it even more important that the company adequately investigate and respond to me complaints and notices of errors & request for information. These functions can act as a safety net to catch borrowers before borrower further harmed by a servicers unlawful conduct. Here, too, Shellpoint has failed. Shellpoint has routinely failed to reasonably investigate, and, when appropriate, make corrections in response to me complaints and notices of errors & request for information. These failures have caused serious harm to me. As a result of Shellpoints above policies and procedures, which also apply to NOEs, Shellpoint has failed to conduct reasonable investigations and/or, where appropriate, make corrections of errors in my Notice of Error & Request for Information. Shellpoint has not responded to all notice of errors or information request that I sent. Shellpoint failed to provide my Request for Information ( RFI ) and Shellpoint also failed to correct errors in Notice of Default, Broken Chain of Title, etc. Shellpoint, BNYM Certificate, Foreclosure Trustee did not file rescission of notice of default. Shellpoint just stated the Owner of Mortgage Loan is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Shellpoint is acting on the BNYM Certificate 's behalf. Mortgage Loan Servicers and Trustee violated various state and federal laws in initiating a non-judicial foreclosure of subject property. Mortgage Loan Servicers participated and conspired with XXXX XXXX in the FRAUDULENT TRANSFER ( Fraudulent Assignments of Deed of Trust ) of the Subject Property. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) suddenly appeared in foreclosure actions ( recorded Notice of Default, Notice of Trustees Sale ). XXXX called themselves Trustee. Notice of Default was filed in XXXX, listing XXXX as the XXXX for XXXX. Notice of Default was executed on XX/XX/XXXX by XXXX XXXX acting as authorized agent for XXXX. Shellpoint and XXXX do not have the authority to foreclose on my home because Shellpoint, XXXX XXXX and XXXX do not own the note, have not followed proper foreclosure procedures, have not complied with certain statutory mandates, and XXXX XXXX. I believe my original mortgages debt was satisfied and XXXX lost any beneficial interest in my mortgage when my mortgage securitized the note and sold it to third parties and documents effecting the foreclosure process were invalid because they were improperly recorded and/or signed by someone who lacked the requisite personal knowledge and/or authority to sign. Gap in the chain of title prior to assignment of deed of trust causes the assignment and assigned deeds to be void. Assignment of the Loan is a fraud and forgery and, even if it were not, there is broken chain of assignments from XXXX to XXXX XXXX. Assignment to XXXX XXXX is invalid and demonstrates a break in the chain of assignments of the Deed of Trust and Note. Shellpoint or XXXX XXXX thus has no standing to foreclose as a real party in interest. Shellpoint, XXXX XXXX and XXXX failed to timely inform me of any alleged Appointments, Assignments and transfers of the mortgage in violation of RESPA. Shellpoint, XXXX XXXX and XXXX failed to timely notify me of any change of servicers, and I have made written demands to Shellpoint to show evidence of standing to claim a debt but Shellpoint, XXXX XXXX and XXXX have refused to evidence such standing. XXXX and Shellpoint are without standing to pursue this foreclosure action. XXXX XXXX Shellpoint have represented that XXXX XXXX owns and holds the note and mortgage. However, XXXX Certificates assignments of the Mortgage or Deed of Trust ( Assignments ) were executed by a legal entity that was no longer in existence on the date the document was executed. Assignments of the mortgage or Deed of Trust were executed by an entity whose name is different from the entity named in the original document. XXXX XXXX does not have an interest in the property because the assignments of original Deed of Trust were not properly executed for a variety of reasons. Assignments of the mortgage from XXXX to XXXX XXXX had been robo-signed. Every robo-signed document is XXXX as a matter of law. The assignment ( recorded in XXXX ) was void because XXXX XXXX XXXX was a robo-signer. XXXX XXXX also lacked authority to act on behalf of XXXX or XXXX, therefore the XXXX assignment was unauthorized. It appears to have been executed on behalf of MERS by the same person, XXXX XXXX, who executed the assignments on behalf of XXXX XXXX XXXXXXXX and other companies. I discovered the signature of \" XXXX XXXX XXXX '' but with many different titles of multiple entities. On XX/XX/XXXX, XXXX XXXX signed for XXXX XXXX XXXXXXXX As Attorney In Fact for XXXXXXXX XXXX XXXX by Power of Attorney Recorded on Document Number XXXX as Assistant Vice President. On XX/XX/XXXX, XXXX signed for XXXX XXXXXXXX XXXX As Attorney In Fact for XXXX XXXX XXXX  by Power of Attorney Recorded on Document Number XXXX as Assistant Vice President. At the same period of time ( On or about XX/XX/XXXX ), XXXX XXXX signed for Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, Successor By Merger to XXXX XXXX XXXXXXXX Its Successor and Assigns as Assistant Secretary ( XXXX Assignment of Deed of Trust ). XXXX XXXX signed this XXXX Corrective Assignment of Deed of Trust ( Subject Property ). XXXX XXXX, who signed the XXXX assignment, as Assistant Secretary of Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), appears to be the same individual who claimed to be both Assistant Secretary of XXXX and Assistant Vice President of XXXX XXXX XXXXXXXX. The intervening assignments are invalid because the individual who \" robo-signed '' the assignment on behalf oXXXX XXXX XXXX XXXX XXXX fraudulently held herself out as assistant secretary for XXXX when she was instead an employee of XXXX XXXX XXXXXXXX XXXX XXXX companies. Signature must be signed by a XXXX XXXX XXXX acting within the scope of his/her authority from XXXX Title must be one he/she holds as a real officer of XXXX. XXXX XXXX is not real officer of XXXX. A signer XXXX XXXX actually lacked an agency relationship with XXXX XXXX XXXX also signed the documents ( Assignments of Deed of Trust ) on behalf of many other companies/different entities. This Robo-signed XXXX assignment ( Subject Property ) is void and invalid. XXXX is a XXXX XXXX created by the mortgage banking institutions that used to be lenders and are now servicers the pretender-lenders. XXXX has no role in the origination or original funding of the mortgages or deeds of trust for which it serves as nominee. XXXX has no legal or beneficial interest in the loan instrument underlying the security instrument for which it serves as nominee. XXXX is described as the nominee for the specifically named lender who is just an originator selling a financial product as described above. XXXX  is used as a cover-up. It effectively hides the title gap in plain sight. The execution of an assignment or corrective assignment presumes that it is acting as an agent for whoever is currently named as the claimant, beneficiary. But no such agency exists in fact or at law. The execution of a security instrument ( mortgage or loan ) by a self-proclaimed servicer ( which performs no servicing duties with respect to receipts data processing and disbursement of money from homeowners ) on behalf of a new entity appointed to be the claimant, beneficiary. But the execution of the assignment by XXXX  on behalf of XXXX after the collapse of countrywide. it does not exist. And XXXX XXXX XXXX did not acquire any ownership interest in any homeowner transactions because countrywide didnt own any such interest. So while XXXX XXXX XXXX was a successor to XXXX, the foreclosure team is relying on appearances in order to get the court to presume that the merger created a transfer of the ownership of the unpaid nonexistent loan account receivable of the mortgage rights from XXXX as originator to XXXX XXXX XXXXXXXX. In such mergers, there is no Mortgage Loan Schedule, nor any written assignment of mortgage. Since the law requires the assignment, the presumption that the transfer could occur without an assignment of mortgage is erroneous. The document is supposedly executed by someone calling themselves an assistant secretary. But note that it does not say that the signor ( XXXX XXXX ) was the assistant secretary of XXXX. There is mention of XXXX  it includes the phrase its successors and assigns such that it is unclear from the grammar utilized whether there is a successor to XXXX  or a successor for the principal in the agency agreement between XXXX and the originator ( XXXXXXXX XXXX XXXX. But there is no succession to either one unless ( a ) someone bought or merged with XXXX or ( b ) someone bought loan accounts receivable from XXXX. Such a sale wouldve been impossible because, by the time of the merger, XXXX had only reserved servicing rights which really only meant the claim to receive servicer advances upon liquidation of a foreclosed property. So there is no XXXX successor and there is no XXXX successor as it relates to either the actual presumed transfer of the alleged underlying obligationXXXX XXXX has no role in the origination or original funding of the mortgages or deeds of trust for which it serves as nominee. XXXX has no legal or beneficial interest in the promissory note underlying the security instrument for which it serves as nomineeXXXX XXXX has no legal or beneficial interest in the loan instrument underlying the security instrument for which it serves as nominee Theres No document authorizing XXXX, as nominee for the original lender ( XXXX ), to assign the subject mortgage to the foreclosing trustee. Hence, XXXX lacked authority as mere nominee to assign my mortgage, making any assignment from original lender or XXXX  defective. XXXX, as the nominee not only lacks authority to assign the mortgage, but can not demonstrate the trustees knowledge or assent to the assignment by XXXX to the foreclosure trustee. Any attempt to transfer the beneficial interest of a trust deed without actual ownership of the underlying note, is void under law. XXXX XXXX signed for this XXXX XXXX. XXXX XXXX signed for false beneficiary and MERS illegally named as Assignee/Beneficiary. XXXX named Mortgage XXXX ( XXXX XXXXXXXX XXXX etc. ) as Assignee in XXXX Assignment. XXXX assigned to False Beneficiary/False Assignee or An Impossible Beneficiary. See XXXX XXXX XXXX ( stating a servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as an assignee of such obligation for purposes of this section unless the servicer is or was the owner of the obligation ) XXXX XXXX signed the Assignment of Deed of Trust recorded on XX/XX/XXXX. In XXXX, XXXX XXXX signed the assignment as an XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX can not be Vice President and Assistant Secretary for this Nonexistent Trust. There is no trust officer appointed by this Nonexistent Trust to actively manage the affairs of the trust. XXXX XXXX should indicate the real company she works for. And XXXX XXXX should indicate her real title of company she works for. I found XXXX XXXX on XXXX. XXXX XXXX profile page on XXXX identifies her as an employee of XXXX XXXX XXXX XXXX XXXX A robo-signed assignment is a void assignment, and a void assignment unravels the entire nonjudicial foreclosure. The Bank and Mortgage Servicer acted with malice by recording ( themselves ) an assignment of an interest it knew it did not possess, fully aware that the ensuing Notice of Default ( XXXX ) and all that followed were void. XXXX XXXX & XXXX XXXX fraudulently executed the assignment and XXXX XXXX & XXXX XXXX were nothing more than what has come to be known as robo-signer-an individual who simply signs thousands of property record documents without any legal or corporate authority whatsoever. XXXX XXXX and XXXX XXXX had signed the assignment on behalf of XXXX ( or beneficiary ) without adding behalf of and/or \" as attorney in fact '' the chain of title would be broken, or the assignment would be facially defective. There is no proof of authority anywhere on the document, indicating that XXXX XXXX ( the signer ) & XXXX XXXX ( the singer ) had the authority to execute the instrument in that capacity, let alone have personal knowledge of its contents. Therefore, these assignments were void since a void assignment lacks any legal effect. XXXX XXXX and XXXX XXXX XXXX ( robo-signers ) signed notarization of these Assignments. These Mortgage assignments with signatures of individuals ( XXXX XXXX & XXXX XXXX ) signing as corporate officers for corporations that never employed them in any such capacity. Contracts that are entered into by someone without capacity, impossible contracts, contracts against public policy and contracts for illegal acts are void contracts. Assignments of the trust deed from the original mortgage holder ( XXXX  ) to XXXX XXXX were void and therefore the foreclosure Notices ( Recording NOD NTS, etc. ) were invalid or void. XXXX XXXX lacked standing to bring the foreclosure action because it was not the owner of the Note when it filed the XXXX foreclosure action ( NOD ). These assignments were improperly executed by \" robo signing agents or robo-signer '' and thus XXXX XXXX \" does not have lawful ownership or a security interest in my home. Shellpoint does not have standing to foreclose on the subject property as it is not the holder in due course of the subject loan. I'm a victim of robo-signing. A valid Substitution of Trustee has never been made by a beneficiary with authority to appoint a successor trustee which states, The beneficiary may at any time remove a trustee for any reason or cause and appoint a successor trustee, and such appointment shall constitute a substitution of trustee. The recorded Substitution of Trustee fails to meet the requirements in that no document has ever been acknowledged that substitutes or appoints a trustee by an authorized Beneficiary or its agent. A document purporting to create an interest in, or a lien or encumbrance against, real property not authorized by statute, judgment or other specific legal authority is presumed to be groundless and invalid. A valid Substitution of Trustee to XXXX has never been made in accord with any contractual provision, California statute. Therefore, the Notice XXXX XXXX XXXX is void as the cited Trustee has never been authorized to exercise a power of sale against the property. The XXXX Notice of Default was thus defective because it was recorded by an entity not yet properly substituted as the trustee. See Cal. Civ. Code Section 2934a ( stating that a trustee is properly substituted by the recording of a s substitution ) CCC Section 2934a ( b ) ( stating that if the substitution is executed prior to or concurrently with the recording of a Notice of Default, then Notice of the Substitution must be mailed on or before that recording date ) Section 2934a ( b ) requires that a Notice of Substitution of Trustee include notice of actual substitution. See Cal. Civ. Code Section 2934a ( b ) ( stating that the beneficiary or their authorized agent shall cause notice of the substitution to be mailed ) Here, XXXX was never substituted as the trustee, all actions taken by XXXX were invalid. Substitution of Trustee was never executed. Substitution of Trustee was never mailed. Substitution of Trustee was never recorded. This is in clear Violation of Section 2934a & 2934a ( b ). Since theres No Substitutions of Trustee ( Theres No appoint to new trustee XXXX ), XXXX can not file Notice of Default ( NOD ), Notice of Trustees Sale ( NOT ) against subject property. NOD recorded on XX/XX/XXXX and Notice of Trustees Sale ( NOT ) recorded on XX/XX/XXXX. Recordation of the NOD ( XXXX ) and NOT ( XXXX ) were Void because XXXX NOD & XXXX NOT were not executed by authorized Trustee. XXXX & Shellpoint knew all these assignments of deed of trust, XXXX NOD, and XXXX NOT were void, invalid, and fraudulent. Only the original trustee ( XXXX ) or a properly substituted trustee may carry out a foreclosure, and substitutions of trustee must be recorded. Without a proper substitution of trustee, any foreclosure procedures ( including sales ) initiated by an unauthorized trustee are void. XXXX has No authority to sell my property. I face the prospect of losing my home due to the actions of an entity that has no power to foreclose because it does not own my Deed of Trust. There is no evidence as to what rights if any XXXX XXXX had in the subject Note and Deed of Trust or its relationship with XXXX. This defect was so substantial that it broke the chain of title and rendered the foreclosure sale void. Endorsement to the Mortgage Note : A copy of the original Note made payable to the originator is offered as evidence. Although there is adequate room on the note, no endorsement appears on the Note. An unattached Endorsement Allonge is offered with no explanation as to why an allonge is necessary given that there is adequate room on the note for an endorsement. Nothing standing the lack of an endorsement on the actual note, the Endorsement allonge is not clear, not XXXX XXXX. Shellpoint, XXXX XXXX and XXXX have offered no competent evidence of standing : No Valid and No Certified Copy of Assignment of Deed of Trust. No endorsed Note to XXXX XXXX and no proof of Delivery Note. XXXX XXXX lacks standing, is not a Real Party in Interest, and offered no evidence that it is the current holder of the mortgage Note. No Certified Assignment is offered. The copy of the mortgage Note offered by the XXXX XXXX does not include a valid endorsement, in blank or otherwise nor any proof of acceptance or delivery of the note. Heres Assignments of DOT History. The Assignment ( recorded XX/XX/XXXX ), assigned to The Bank XXXX New York, As Trustee for the Benefit of XXXX XXXX XXXXXXXX XXXX XXXX XXXX-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. The assignment ( recorded XX/XX/XXXX ), assigned to Bank XXXX New York XXXX XXXX XXXX Bank XXXX New York, as Trustee for XXXX XXXX XXXX, XXXX, XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. Corrective Assignment of Deed of Trust ( recorded XX/XX/XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX XXXX. However Shellpoint stated the owner of loan is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. The name of the owner of the loan is different from Assignments of Deed of Trust. They added the XXXX XXXX XXXX XXXX XXXX XXXX in assignee name themselves. Theres no XXXX XXXX XXXX XXXX XXXX XXXX in Assignments of Deed of Trust. They created this fake name/fake entity without recording the Assignment of Deed of Trust XXXX XXXX XXXX XXXX XXXX Shellpoint stated Current Beneficiary full name ( owner of mortgage loan ) is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Shellpoint and XXXX should explain why XXXX beneficiary ( XXXX XXXX ) full name is different from Assignments beneficiaries ( XXXX, XXXX, XXXX ). Please read all assignments of DOT carefully. XXXX XXXX full name is different from these Assignments beneficiaries full name. There is no identification of the certificates nor any identification of the holders of the certificates. The certificates do not convey any right, title or interest to any debt, note or mortgage, nor any payment or proceeds arising from any loan. Thus no claim could be made for a loss on an investment that does not exist. There is no investment in loans directly or indirectly. There is no representative capacity. XXXX does not represent the interests of investors in the certificates. XXXX XXXX has no powers of administration, collection or enforcement over any debt, note or mortgage and in fact has no right to even make an inquiry as to the status of any loan. Neither XXXX XXXX nor the implied trust have ever paid value for the underlying dead, they could not possibly own the mortgage and therefore could not possibly authorize enforcement. The use of the name of XXXX XXXX might be authorized in an agreement with an investment bank to use the XXXX XXXX XXXX XXXX XXXX XXXX XXXX name as part of a license agreement, but such an agreement violates existing law by naming a party as an entity who has no claim. Since that is an agreement to violate the law, the authorization is a legal nullity. And that obviously means that the Foreclosure bill did not have any real authority or any contract under which it was authorized to file a foreclosure action that had a XXXX XXXX XXXX XXXX XXXX XXXX or any trust or any investors. Loan Servicer Shellpoint has no operative relationship with XXXX XXXX because the named XXXX XXXX has no claim. Mortgage XXXX Shellpoint XXXX have some agency with XXXX XXXX but that does not create the rights they seek to enforce. Bank XXXX New York XXXX as trustee for the certificate holders is an exercise in deceit and fraud. XXXX XXXX is not making any appearance despite its name appearing in the title of the document or case. It is named as being a trustee which means by definition that it is not appearing on its own behalf but rather appearing on behalf of a trust. There is never any allegation in XXXX Certificates foreclosure action that states that the trust was organized and existing under the laws of some U.S. jurisdiction. FOR THE CERTIFICATE HOLDERS IS A DEAD GIVE-AWAY THAT THERE IS NO CREDITOR BNYM IS NOT A TRUSTEE FOR ANY CERTIFICATE HOLDERS BECAUSE THE CERTIFICATE HODLERS ARE NOT BENEIFICAIRIES OF ANY TRUST. Upon reviewing all of the Recorded Deeds, the Chain of Title clearly reflects that XXXX XXXX was never granted title by A VALID GRANTOR. Therefore, Shellpoint and XXXX had no authority to prosecute the foreclosure action. Clearly, Shellpoint and XXXX XXXX have failed to show standing and a proper chain of title of the note. Shellpoint, XXXX XXXX and XXXX have demonstrated that it lacks the right to initiate the pending non-judicial foreclosure. As Shellpoint has failed to meet its burden of proof to establish standing, the foreclosure on XX/XX/XXXX must be cancelled. XXXX instituted non-judicial foreclosure proceedings on a subject property. XXXX was not the trustee named in the deed of trust, so under XXXX XXXX XXXX, XXXX was required to record a Substitution of Trustee, but failed to do so. Failure to comply with state and federal law can result in serious consequences for the loan servicer Shellpoint. XXXX was not formally named as trustee until after they recorded the XXXX Notice of Default and XXXX Notice of Trustees Sale. Valid Mortgage holders did not execute a substitution formally naming the trustee delivering the XXXX Notice of Default as the substitute trustee until today. They didnt correct assignment before recording XXXX NOD against subject property. They must explain why entities full names in assignment of DOT are different from XXXX XXXX. Shellpoint and XXXX XXXX have no right to foreclose on my property because the last recorded assignment of deed of trust reflects that XXXX is the beneficiary, and not BNYM Certificate. See Assignment. XXXX XXXX and Shellpoint violated Cal. Civ. Code Section 2932.5 because they do not have the power of sale and have not demonstrated legal standing to foreclose upon subject property. The entity that issued the NOD to me on XX/XX/XXXX, acted before it had legal authority to do so pursuant to an assignment of the deed of trust. The foreclosing parties had no actual authority to foreclose my home. The foreclosing party did not have a recorded assignment in place under section XXXX, which XXXX XXXX was not actual the beneficiary and XXXX was not an authorized agent of beneficiary or trustee. It appears XXXX is attempting to act as agent to Servicer Shellpoint, but it is unclear on behalf of what entity it was acting and whether said entity had any interest in the subject property. The foreclosure was not initiated by the correct party. At the time of NOD ( XXXX ), there had been no assignment to XXXX XXXX. The wrong parties issued the Notice XXXX XXXX. The threat of foreclosure by wrong party is sufficient to constitute prejudice to the homeowner because there is no power of sale without a valid Notice of Default. I was harmed by not knowing the true of Note. I was harmed by not being able to name the real party of interest. The XXXX Assignment & XXXX Assignment were void, and therefore the XXXX Notice of Default ( NOD ), and XXXX Trustee 's Sale Notice, were void. Theres No Substitute Trustee and therefore XXXX Notice of Default and XXXX Notice of Trustees Sale were void. Shellpoint, XXXX XXXX, XXXX did not have standing to foreclose on the Subject Property because none of them was the lender under the Loan, the holder of the Note, or the holder of a beneficial interest in the Deed of Trust. Again, ( 1 ) The assignment of the deed of trust to XXXX XXXX was unlawfully recorded and void. ( XXXX ) The substitution of the trustee from XXXX to XXXX was void. ( XXXX ) The Notice of Default ( NOD ) was unlawfully recorded in XXXX. Defects in the foreclosure process and the authority of XXXX to foreclose on my property. XXXX XXXX and Shellpoint lacked authority to appoint the XXXX XXXX. Foreclosure actions of Shellpoint and XXXX have resulted in borrower being threatened with the loss of the property. Shellpoint and XXXX intentionally, knowingly and recklessly misrepresented to me those agents of Shellpoint and XXXX were entitled to exercise the power of sale provision contained in the Deed of Trust. In fact, Shellpoint, XXXX XXXX, and XXXX were not entitled to do so and have no legal, XXXX, or actual beneficial interest whatsoever in the subject property. Shellpoint, XXXX XXXX and XXXX began their fraudulent foreclosure proceedings, Shellpoint, XXXX XXXX, and XXXX were not acting in good faith while attempting to collect on the subject debt. Shellpoint, XXXX XXXX and XXXX committed the acts set forth above with complete ; utter and reckless disregard of the probability of causing homeowner ( me ) to suffer severe emotional distress. As an actual and proximate cause of Shellpoint, XXXX XXXX and XXXX attempt to fraudulently foreclose on my home or claim of the right to foreclose on my home, I have suffered severe emotional distress, including but not limited to lack of sleep, XXXX XXXX XXXXXXXX. Shellpoint and XXXX committed fraud by filing a fraudulent assignment of mortgage from XXXX to Shellpoint ( as servicer ). XXXX filed NOD with actual knowledge that the averments and representations made in those papers were false. XXXX had actual knowledge of the falsity of any averments and representations made on behalf of the current servicer of the mortgage. Throughout the foreclosure action, Shellpoint and XXXX have represented that XXXX XXXX owns and holds the note and mortgage. I request a determination of the rights, obligations and interest of the parties with regard to the subject property, and such determination is necessary and appropriate at this time under circumstances so that all parties may ascertain and know their rights, obligations and interests with regard to the property. I request a determination of the validity of the Trust Deeds as of the date the Notes were assigned without a concurrent assignation of the underlying Trust Deeds. I request a determination of the validity the Notice of Default ( XXXX NOD ). I request a determination of whether Shellpoint, XXXX XXXX and XXXX have authority to foreclose on subject property ( my property ).","date_sent_to_company":"2023-09-16T05:06:01.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"92833","tags":null,"has_narrative":true,"complaint_id":"7558870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-09-16T03:41:04.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["There is never any allegation in XXXX Certificates foreclosure action that states that the trust was organized and existing under the <em>laws</em> of some U.S. jurisdiction. FOR THE CERTIFICATE HOLDERS IS A DEAD GIVE-<em>AWAY</em> THAT THERE IS NO CREDITOR BNYM IS NOT A TRUSTEE FOR ANY CERTIFICATE HOLDERS BECAUSE THE CERTIFICATE HODLERS ARE NOT BENEIFICAIRIES OF ANY TRUST. Upon reviewing all of the Recorded Deeds, the Chain of Title clearly reflects that XXXX XXXX was never granted title by A VALID GRANTOR."],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[3.7122457,"7558870"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":18,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":18}]}},"product":{"doc_count":18,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money transfer, virtual currency, or money service","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":3},{"key":"Mobile or digital wallet","doc_count":1}]}},{"key":"Mortgage","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home 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