{"took":149,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":62,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6072378","_score":21.70647,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX Equifax please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXX XXXX XXXX XXXX XXXX I will provide letters from the fraud specialist and attached these letters to each credit bureau.","date_sent_to_company":"2022-10-11T14:18:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30141","tags":"Servicemember","has_narrative":true,"complaint_id":"6072378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-11T14:18:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["has been stolen and used and please DO NOT PUT a <em>fraud</em> alert on my report period just remove the inquires XX/XX/2022 XXXX XXXX XXXX XXXX XXXX I will provide <em>letters</em> from the <em>fraud</em> <em>specialist</em> and <em>attached</em> these <em>letters</em> to each credit bureau."]},"sort":[21.70647,"6072378"]},{"_index":"complaint-public-v1","_id":"6379107","_score":14.681068,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to you regarding fraudulent activity on my debit card and savings account. \nI would first like to mention my debit account is now closed since that claim has been completed. I mention it in this document as it correlates to the second claim. \n\nClaim No. XXXX was opened. Fraudulent amount {$140.00} ( bank info attached ) Claim No. XXXX was opened. Fraudulent amount {$960.00} ( bank info attached ) On XX/XX/XXXX someone walked into the BOA XXXX XXXX in downtown XXXX, Texas claiming to be me. They deposited a fraudulent check in the amount of {$960.00} and immediately withdrew {$140.00}. ( bank info attached ) Claim No. XXXX was opened as a result of the above. BOA immediately applied a chargeback fee and took out {$520.00} from my savings account. ( bank info attached ) In addition, I am attaching XXXX XXXX XXXX letters received from BOA. The XXXX letter dated XX/XX/2022 informs us that the investigation is complete and that there is no loss to us. They reference XXXX but I believe it should be XXXX. I have since received the {$140.00} and have closed this account. The fraudulent deposit of {$960.00} was debited from the account. \n\nThe second XXXX XXXX letter dated XX/XX/2022 informs me that the investigation is complete and that there is no loss to me. They reference XXXX. We have made numerous phone calls to the BOA fraud dept and have spent numerous hours talking to the fraud specialists but with no successful outcome. \n\nBoth these letters ( attached ) specify that the fees would be adjusted and there would be no loss to me. However, I have yet to receive the XXXX Back fee of {$520.00} taken out by BOA from my savings account. There was never a {$520.00} credit to this account. There has also been a case opened with the XXXX Police Department to view the video footage of the perpetrator and press charges ( Case # XXXX ) I would like to get this sorted ASAP so that my funds ( {$520.00} ) can be deposited back into my saving account.","date_sent_to_company":"2022-12-30T20:19:08.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"75028","tags":null,"has_narrative":true,"complaint_id":"6379107","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-12-30T20:00:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["We have made numerous phone calls to the BOA <em>fraud</em> dept and have spent numerous hours talking to the <em>fraud</em> <em>specialists</em> but with no successful outcome. \n\nBoth these <em>letters</em> ( <em>attached</em> ) specify that the fees would be adjusted and there would be no loss to me. However, I have yet to receive the XXXX Back fee of {$520.00} taken out by BOA from my savings account. There was never a {$520.00} credit to this account."]},"sort":[14.681068,"6379107"]},{"_index":"complaint-public-v1","_id":"1503086","_score":14.474071,"_source":{"product":"Consumer Loan","complaint_what_happened":"False Advertisement by XXXX XXXX and GreenSky Trade CreditI was the victim of false advertisement, identity theft and fraud. \n\nThe XXXX card was introduced to me by the store specialist as an alternative payment method with 6 month no interest after selecting materials for remodeling. On the advertisement and card are XXXX logo 's appeared. On the top left the XXXX XXXX logo and the bottom right the XXXX logo. GreenSky name does n't appear on the card nor advertisement but is the financial institution for the loan/card. I attempted to validate mailing address which failed, due to no such address in XXXX, GA.GreenSky is currently under investigation in Florida by a lawyer for fraud. \n\nOn my credit report in XXXX it shows that I 've applied to XXXX companies. I received notification from all XXXX credit bureaus. It appears that these are subsidiary companies, XXXX and XXXX with a credit limit of {$3000.00} for each account as indicated, which caused my score to decreased. I would like a letter refering to the new account activity in the XXXX Credit profile to indicate that these entries were incorrect on the XXXX 2015 credit report. By law my credit report must be reported correctly. XXXX are subsidiary companies of GreenSky. \n\nI 've contacted both GreenSky and XXXX XXXX for reconciliation each company passes the buck and assume no accountability. Ive requested letters and submitted proof that the subsidiary companies were listed on my credit report. Credit Bureau 's list in real time only. Credit monitoring services allow prior account reviews and archives. XXXX XXXX Senior Credit Specialist and GreenSky Vice President received valid documentation of all XXXX subsidary added under my social security number and failed to provide any complimentary credit monitoring nor letter releasing financial responsibility and report to credit bureau 's of account and subsidiary accounts are closed. Due to fraudelent activity committed by GreenSky. As of today, my credit score dropped by XXXX points and I still have n't received any help. XXXX XXXX was recently undergoing Security breaches and GreenSky is under investigation. I ca n't even have letters drafted with signatures from either company. Ive attached the credit report to validate my claims.","date_sent_to_company":"2015-09-03T22:59:03.000Z","issue":"Taking out the loan or lease","sub_product":"Installment loan","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"1503086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GreenSky, LLC","date_received":"2015-08-05T05:32:03.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I ca n't even have <em>letters</em> drafted with signatures from either company. Ive <em>attached</em> the credit report to validate my claims."]},"sort":[14.474071,"1503086"]},{"_index":"complaint-public-v1","_id":"4966470","_score":14.357771,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I spent countless times sending letters and documents to Experian only for them to lose them or when I try to upload them on their website, they always tell me that the documents are illegible. Now I have resorted to Consumer Financial Protection Bureau to help get this matter resolved. I have talked to numerous of Fraud Specialist at Experian only for them to do nothing to resolve this matter. Experian representative XXXX is totally useless and unprofessional with an \" I do not care '' attitude. I sent multiple certified letters to Experian only for them to respond after the 30 days time frame which is illegal and they are breaking the law. \n\nI have attached a letter from XXXX stating for Experian to remove and delete this fraudulent account which Experian refuses to delete and remove. The following accounts need to be deleted and removed immediately due to fraud and identity theft. I did not benefit from any services of these fraudulent accounts : 1. XXXX XXXX XXXX Account number # : XXXX Balance : {$8600.00} 2. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$1100.00} 3. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$5200.00} 4. XXXX XXXX XXXX Account Number # : XXXX Balance : {$0.00} 5. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$3000.00} 6. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$10000.00}","date_sent_to_company":"2021-12-01T06:40:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30213","tags":null,"has_narrative":true,"complaint_id":"4966470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-01T05:52:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I spent countless times sending <em>letters</em> and documents to Experian only for them to lose them or when I try to upload them on their website, they always tell me that the documents are illegible. Now I have resorted to Consumer Financial Protection Bureau to help get this matter resolved. I have talked to numerous of <em>Fraud</em> <em>Specialist</em> at Experian only for them to do nothing to resolve this matter."]},"sort":[14.357771,"4966470"]},{"_index":"complaint-public-v1","_id":"6204000","_score":13.263913,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022 I mailed my FTC identity theft report to XXXX via Certified mail they received my document. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report . I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation after one week which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by XXXX. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA. I have contacted and mailed letters numerous times and the fraudulent accounts have not been removed. I have contacted the Attorney General XXXX XXXX on serval occasions and XXXX has failed to remove the items","date_sent_to_company":"2022-11-14T05:29:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33463","tags":null,"has_narrative":true,"complaint_id":"6204000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-14T05:29:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have called the <em>specialist</em> <em>fraud</em> department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation after one week which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist!"]},"sort":[13.263913,"6204000"]},{"_index":"complaint-public-v1","_id":"6203899","_score":13.263913,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022 I mailed my FTC identity theft report to Transunion via Certified mail they received my document. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report XXXX I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation after XXXX week which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by Transunion. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA. I have contacted and mailed letters numerous times and the fraudulent accounts have not been removed. I have contacted the Attorney General XXXX XXXX on serval occasions and Transunion has failed to remove the items","date_sent_to_company":"2022-11-14T05:29:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33463","tags":null,"has_narrative":true,"complaint_id":"6203899","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-14T05:18:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have called and contacted the dispute and the <em>fraud</em> department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by Transunion. I have the <em>attached</em> documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA."]},"sort":[13.263913,"6203899"]},{"_index":"complaint-public-v1","_id":"14737201","_score":12.637846,"_source":{"product":"Credit card","complaint_what_happened":"My Capital One Quicksilver Credit Card account was closed on XX/XX/year>. I received an email, as well as a statement via Capital One Mobile App which is attached, stating my account had been closed due to \" inconsistent customer account usage. '' It did not give me any further information on why or what caused my credit card to be closed abruptly. Capital One has refused to send anything else in writing; refused to send summary or confirmation emails/letters or confirmation numbers. This was the only communication about my account status regarding this issue.\n\nI immediately contacted Capital One the next morning, XX/XX/year>, and was transferred to an Account Manager in the Fraud and Dispute Department who told me my account was closed due to three returned payments, which added up to a total of {$70.00}. I actively check on my account everyday, and had no prior knowledge or notification that three payments had not posted. Upon checking my account, and screenshots below show, three returned payments that had conveniently returned that date. Also, attached are the three payments being completely posted, days prior.\n\nThe Fraud & Dispute Account Manager stated that I must make a corrective payment of {$70.00} within their 30 day window to submit a reopen request of my account. He stated it must be {$70.00} or more to correct the three returned payments, which amounted to {$70.00}.\n\nI submitted a corrective payment of {$170.00}, over double the minimum amount, that day which posted on XXXX XXXX, which is attached below as well.\n\nI was also told that I must wait five days after the corrective payment is posted to call back, ask for another Fraud & Dispute Account Manager and submit a reopen request. He also told me after I submit the reopen request, he made a verbal agreement stating I will be receiving a call from a \" specialist '' with a decision regarding the reopen request, within 7-10 business days. \n\nOn XX/XX/year>, five days after the corrective payment posted, as instructed, I called Capital One and was transferred to a Fraud & Dispute Account Manager. I submitted the reopen request, confirmed the corrective payment was verified as well as the reopen request. The Fraud & Dispute Account Manager verbally agreed, as the previous one, that I would be receiving a call from a specialist with an answer within 7-10 business days from XX/XX/year>, the date the reopen request was submitted. \n\nI have called Capital One and spoken to a total of five Fraud & Dispute Account Managers who have given me conflicting and inconsistent information regarding the reasoning behind the account closure. One woman I spoke to told me my account was closed due to 11 returned payments The frustration, disappointment, confusion and stress this process has caused me is inexcusable. There is absolutely no reason that the first communication of the fact there are \" 11 returned payments that haven't been accounted for '' is from the second Fraud & Dispute Manager you speak to, after my account is already closed and I'm doing everything I can to reopen it and stabilize my credit, as my credit and finances have taken a major impact with this situation. This situation has caused me financial and emotional distress.\n\nI received no warning or communication that there were 11 returned payments on the account, and that my account was going to be closed. The first Fraud & Dispute Account Manager I spoke to had stated there were only three returned payments, and the amount of the corrective payment reflected these amounts.\n\nDespite the reoccurring inconsistencies from each Fraud & Dispute Account Manager I spoke to, they each verbally stated I would receive a call from a specialist with a decision regarding my reopen request within 7-10 business days. Today is the XXXX business day, and I have not received any communication, call, email or letter from a specialist or capital one. I spoke to a XXXX XXXX XXXX XXXX XXXXXXXX yesterday, XX/XX/year>, who threatened that if I try calling back for an answer and advocating for myself, the XXXX XXXX XXXX XXXX XXXX  will tell me no and manually decline the reopen request. This felt retaliatory and unacceptable. I was shocked at this response. \n\nI called Capital One and spoke to another Fraud and Dispute Account Manager today, XX/XX/year> at XXXX to ask for a final update, to which he told me to \" wait longer. '' I relayed to him that if I don't hear back by the end of the business day, I will be calling back at XXXX to file a formal complaint. \n\nPreviously stated, I have not received a call, or any notification, in regards to my account reopen request/corrective payment. I have not received any decision from Capital One within the timeframe their policy states. I believe that Capital One has violated the verbally agreed timeline. This situation has caused immense stress and XXXX  for me and my finances, and I can not be told to \" wait longer. '' I have gone above and beyond to resolve this issue directly with Capital One. I have been a loyal customer to Capital One, who has always monitored their account closely and reached out for support or questions extensively. I would like this issue resolved and for my account to be reopened. \n\nI believe Capital One has : misrepresented and given inconsistent information regarding account closure and reasoning, mishandled my reopen request, failed to communicate, failed to communicate clearly or in writing, misrepresented the situation by withholding info regarding returned payments, failed to communicate returned payments until after closure, and failed to respond within their own timelines.\n\nI am requesting that Capital One immediately reopens my Quicksilver credit card account, as I followed all instructions in good faith and made the necessary ( and more ) corrective payment, despite the disappointing experience I have had with this issue and lack of consistent information/communication.","date_sent_to_company":"2025-07-18T23:53:26.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"130XX","tags":null,"has_narrative":true,"complaint_id":"14737201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-07-18T22:03:57.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Also, <em>attached</em> are the three payments being completely posted, days prior.\n\nThe <em>Fraud</em> & Dispute Account Manager stated that I must make a corrective payment of {$70.00} within their 30 day window to submit a reopen request of my account. He stated it must be {$70.00} or more to correct the three returned payments, which amounted to {$70.00}.\n\nI submitted a corrective payment of {$170.00}, over double the minimum amount, that day which posted on XXXX XXXX, which is <em>attached</em> below as well."]},"sort":[12.637846,"14737201"]},{"_index":"complaint-public-v1","_id":"4261119","_score":12.552202,"_source":{"product":"Checking or savings account","complaint_what_happened":"My complaint concerns a claim ( Reference Number XXXX ) I filed with Citibank for unauthorized transactions on my account. I lost my Citibank MasterCard debit card sometime on or around XXXX without my knowledge. I discovered the debit card missing on XX/XX/XXXX when I was going to use the card for a transaction and couldn't locate the card. I immediately called Citibank customer service, and was transferred to the Fraud Department. I was asked when was the debit card lost, and I answered, \" I don't know the exact date, but sometime around XX/XX/XXXX because that is when the unauthorized transactions began. I asked if there were any transactions on the account as I was concerned the debit card may have been compromised. I was informed there were six transactions on the account. I told the Fraud Department representative that those transactions weren't mine. I hadn't used the debit card since XX/XX/XXXX. The Fraud Department representative then transferred me to a dispute resolutions specialist in the Dispute Resolutions Department in order to file a claim. From the date the claim was filed I've received two letters from Citibank. The first letter, dated XX/XX/XXXX, stated an investigation had been opened for a transaction on XX/XX/XXXX at a XXXX XXXX XXXX for {$240.00}, and I received a provisional credit for that transaction. The second letter, dated XX/XX/XXXX, stated an investigation was opened for a transaction on XX/XX/XXXX at XXXX for {$71.00}, and a provisional credit was also provided for that transaction. I waited to receive correspondence for the remaining four unauthorized transactions that were filed in the dispute, but I didn't receive any additional letters. Accordingly, on the eleventh business day after I filed the claim ( XX/XX/XXXX ), I called the Fraud Department to ascertain the status of the claim. I explained what I just wrote. I received letters for two of the six transactions, and a provisional credit had been applied to the checking account for those two transactions. I wanted to know why I hadn't received information ( letters ) concerning the other four transactions that were suppose to be in the claim, and why I hadn't received a provisional credit for those transactions. I was told those four transactions are still pending in the Fraud Department. I then asked to speak to a supervisor about the claim. I explained to the supervisor that Regulation E as set down by the Federal Reserve System provides the rules and guidelines for EFT systems, which includes POS terminal transfers. I said in many cases, especially those similar to mine, banks have 10 business days to investigate a reported EFT error, at which time either the claim investigation must be completed, or a provisional credit provided. The supervisor ( XXXX ) said she would expedite the claim to another area within the Fraud Department, and that she would call me at XXXX XXXX on XX/XX/XXXX to provide an update on the claim. Today is XX/XX/XXXX, XXXX didn't call, and there hasn't been any additional provisional credits applied to my checking account. Citibank is violating Regulation E for my disputed debit card transactions. I've attached the two letters received from Citibank, and a copy of my account transaction history from XX/XX/XXXX through XX/XX/XXXX. I wrote, '' need credit '' next to the four transactions that need to be provisionally credited to the account.","date_sent_to_company":"2021-03-31T22:38:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"4261119","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-03-31T21:04:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I told the <em>Fraud</em> Department representative that those transactions weren't mine. I hadn't used the debit card since XX/XX/XXXX. The <em>Fraud</em> Department representative then transferred me to a dispute resolutions <em>specialist</em> in the Dispute Resolutions Department in order to file a claim. From the date the claim was filed I've received two <em>letters</em> from Citibank."]},"sort":[12.552202,"4261119"]},{"_index":"complaint-public-v1","_id":"7335902","_score":12.246217,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was seriously scammed by phone on XX/XX/XXXX with money stolen from my bank account, credit cards, XXXX, XXXX XXXX and Apple. \nThey had me install any desk on my phone and were able to see into my accounts and transfer money.. \nI contacted all agencies the following day and filed a fraud report with the FTC. Closed all accounts, set up fraud alerts on all accounts enrolled in credit monitoring etc I lost money through XXXX and the XXXX XXXX but XXXX XXXX XXXX acknowledged it was fraud and returned the money sent to XXXX Other cc reversed the charges. All except Apple which the scammers had me open. They also opened one in husbands name..of course my fault. \nI thought I was working with the FBI fraud unit ( transferred through XXXX..which I thought I had clearly verified with the information they provided me regarding my account ) I gave them information I shouldnt have. \nSince the money was charged in a foreign currency I had no idea how much it was but was told these were small amounts only to see if the individual stealing my identity would accept. I told them repeatedly that I wasnt authorizing ANY money being transferred!!! \n\nApple was the only cc that denied it being fraud and said the 5 charges for both my husband and myself for over {$5300.00} would stand we would have to pay. \n\nI spoke with and contacted the Apple specialists many times to dispute this and they gave me the name and address of the individual I had to write to have the dispute reopened. I did this with a letter and documentation and all 4 disputes were reopened. \nAs a senior citizen ( XXXX ) I may be naive but I would never defraud anyone of money I had rightfully authorized. \nThen again my husband and I both received notifications from Apple that they had reviewed the information and that all the charges would stand. \n\nI again wrote a second letter on XX/XX/XXXX to Goldman Sachs asking them to reconsider. Im attaching both letters I sent Im obviously devastated and disappointed in Apple and Goldman Sachs. I have not heard back from them","date_sent_to_company":"2023-08-01T17:23:05.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95833","tags":"Older American","has_narrative":true,"complaint_id":"7335902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-08-01T16:33:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Im <em>attaching</em> both <em>letters</em> I sent Im obviously devastated and disappointed in Apple and Goldman Sachs. I have not heard back from them"]},"sort":[12.246217,"7335902"]},{"_index":"complaint-public-v1","_id":"6952615","_score":11.931477,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is attached to a previous complaint claim XXXX. Earlier I contacted you for help resolving this complaint. I called you, spoke to a rep that gave me phone # to contact someone at Truist Bank. Called # got voice mail of XXXX XXXX, left voice mails on two separate dates, never heard back from her. Shortly after I received a letter from XXXX dated XX/XX/XXXX that the bank had researched our case once more, still declining the charge on XX/XX/XXXX for {$900.00}. In the past 45 days we received another letter from fraud department that the investigation had been completed and the case was closed. My wife and I never had an opportunity to discuss our issues that she was told she had to have a debit cc for the account. Second, we were in touch with the resort and they asked to speak to someone at the bank, we could never get anyone to cooperate and discuss the fraudulent charge with them. \nOut of nowhere I receive a phone call XX/XX/XXXX XXXX from XXXX XXXX XXXX assistant vp, client resolution senior specialist ''. I explained the details above, she did nothing for us. I inquired why our checking acct money isn't protected under FDIC guidelines, she said it had to do with a debit card. \nI have sent 2 letters \" one by certified mail '' to the CEO and have never gotten any response from anyone. For a bank that claims to be customer service driven, I couldn't disagree more!!!!! \nPolice report has been filed with local law enforcement if needed for review.","date_sent_to_company":"2023-05-10T01:14:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"284XX","tags":null,"has_narrative":true,"complaint_id":"6952615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-05-10T00:42:12.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Out of nowhere I receive a phone call XX/XX/XXXX XXXX from XXXX XXXX XXXX assistant vp, client resolution senior <em>specialist</em> ''. I explained the details above, she did nothing for us. I inquired why our checking acct money isn't protected under FDIC guidelines, she said it had to do with a debit card. \nI have sent 2 <em>letters</em> \" one by certified mail '' to the CEO and have never gotten any response from anyone. For a bank that claims to be customer service driven, I couldn't disagree more!!!!!"]},"sort":[11.931477,"6952615"]},{"_index":"complaint-public-v1","_id":"6334889","_score":11.798209,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/22, I purchased XXXX XXXX tickets to a XXXX show for {$3400.00}. To be clear, I am NOT disputing THIS transaction. Almost immediately after the purchase, I received a text message from Chase alerting me to a possible fraudulent charge. I responded and confirmed I made this purchase. \n\nLater that same day, I noticed XXXX additional XXXX tickets to a XXXX XXXX in my XXXX account. I did not make this purchase and I did not authorize the use of my credit card to purchase these additional tickets. In addition, I didnt receive a text message from Chase asking me to verify this was a legitimate purchase. My XXXX XXXX XXXX son reluctantly admitted to buying these tickets. I reached out to XXXX and explained to them that I did not purchase these tickets and I would like a refund. The XXXX rep was sympathetic, but told me there was nothing they could do as all sales are final. She told me I could transfer the tickets to friends or family. While this is true, I dont know many people who can absorb the cost of a such a large purchase. Also worth noting, these tickets were purchased for a location over XXXX miles away! ( Ive included the transcript from the conversation as an attachment ). \n\nI decided to reach out to Chase because this was an unauthorized, fraudulent charge. I explained the situation to several Chase customer service specialists. I was transferred between the dispute department and the fraud department several times, each telling me that someone in the other department could help me. In the end, I was told I could not dispute the case because there was no problem with the tickets which were purchased. I was told I couldnt file a fraud case because, although my credit card was used without my knowledge or permission, I knew who made the purchase and it was a member of my household, therefore it wasnt fraudulent. I was told that a fraudulent case is a criminal case and Chase doesnt view my XXXX XXXX XXXX son as a criminal. So essentially, anyone who lives in my household can use my credit card without my knowledge or consent and Im subsequently responsible for the charges? \n\nAt no point during my conversation with Chase, did any representative tell me they were opening a dispute case or give me a case number. So you can imagine my surprise when I receive 2 letters from Chase letting me know We have resolved your dispute ( XXXX ). I explained several times to different customer service specialists, the charge for {$3400.00} was a valid purchase that I myself made. I was only disputing the charge of {$4600.00} for the XXXX XXXX tickets to a XXXX show, which were purchased without my knowledge or consent and by an unauthorized user. Never the less, unbeknownst to me, 2 disputes were opened. Both letters have the same claim ID number ( CLAIM ID XXXX XXXXXXXX ) and are attached below. The first letter states I am disputing the charge for {$3400.00} because I canceled the charge and expected a credit on my account. This is absolutely false. I never told anyone that I wanted to dispute this charge. The second letter states I was disputing the charge for {$4600.00} because I believed the merchant didnt provide the services I purchased. This is absolutely false. I would like someone to listen to the recorded conversation I had with the Chase customer service specialists. Clearly, Chase felt they needed to send something indicating they completed an investigation to appease me. \n\nAfter speaking with Chase, I asked for a copy of my cardmember agreement. Please note page XXXX under CARDMEMBER AGREEMENT, states that this is an agreement between you ( the cardmember ) and JPMorgan Chase Bank, N.A.. I would like to point out that XXXX XXXX is the cardmember, no one else is an authorized user on this account. Also note, page XXXX of the agreement under USING YOUR CARD, states You may use your account to buy goods and services. The agreement doesnt state any member of your household may use your card to buy goods and services. Nowhere in the cardmember agreement does it state I am responsible for charges I have not made.","date_sent_to_company":"2022-12-19T00:15:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"535XX","tags":null,"has_narrative":true,"complaint_id":"6334889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-12-19T00:03:32.000Z","state":"WI","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I explained the situation to several Chase customer service <em>specialists</em>. I was transferred between the dispute department and the <em>fraud</em> department several times, each telling me that someone in the other department could help me. In the end, I was told I could not dispute the case because there was no problem with the tickets which were purchased."]},"sort":[11.798209,"6334889"]},{"_index":"complaint-public-v1","_id":"16220150","_score":11.736029,"_source":{"product":"Credit card","complaint_what_happened":"Sometime in XXXX an XXXX Credit card was opened and used fraudulently in my name.. The card was sent to an old mailing address which is XXXX XXXX XXXX, XXXX, XXXX  XXXX an address which I no longer lived at since XXXX, XXXX XXXX .. I have no been in the market for any credit cards and have been receiving denial letters of applying for credit which I have not applied for! I recieved a balance statement sometime late XXXX or early XXXX with charges and I called XXXX immediately and contacted there fraud department, I gave all information to my knowledge and let the investigator know I have not applied for a credit card or heard of this company which I thought was a scam at first. They asked me to prove I no longer lived at XXXX XXXX XXXX XXXX XXXX  .. I sent over documentation with my leasing agreement with my current address XXXX XXXX XXXX XXXX XXXX  showing my move in date which they asked for upon request in order to solve this matter. once submitted they told me this was not substantial enough because of me and my mothers name being attached on the leasing agreement which is were me and my mother both reside. And they told me it was a fraudulent leasing agreement I resent this leasing agreement with every document including the landlords information attached they told me once again it was not substantial enough and fraudulent because of the different fonts in the text. On XXXX the XXXX I submitted the police report with the same information Ive already provided and a print out of the leasing agreement of my current address and the claim was still denied. Ive called over 15 times since XXXX to get this matter resolved and have provided all and truthful and substantial documentation! Ive called on the XXXX of XXXX again to try to understand why this matter is denied once again and it is always another invalid reason once I submit documentation proving my claim. On XX/XX/XXXX Ive been told the information Ive provided is contradicting verbatim from one of the fraud specialists so this claim will continue to be denied!! I feel this has been unfair and unjust! Ive also been told an email address is listed on the account which is not my email address which Ive already addressed and have been corresponding with this company my email address is XXXX the charges on the account which have been sent in the account statement show dates I was currently at work and places I have never made purchases from","date_sent_to_company":"2025-09-27T17:36:58.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"30260","tags":null,"has_narrative":true,"complaint_id":"16220150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2025-09-27T17:05:28.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX Ive been told the information Ive provided is contradicting verbatim from one of the <em>fraud</em> <em>specialists</em> so this claim will continue to be denied!! I feel this has been unfair and unjust!"]},"sort":[11.736029,"16220150"]},{"_index":"complaint-public-v1","_id":"12240180","_score":11.513466,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Bank of Americas handling of my disputed transactions claim in the amount of {$12000.00} which remains denied as of todays date despite overwhelming evidence proving I did not authorize these charges.\n\nToday, I received yet another denial letter from Bank of America via email, which they claim is their final decision. However, this denial letter was sent just hours after I received multiple urgent phone calls and XXXX voicemails from Bank of Americas Regulatory Complaints and Resolutions Department where the specialist specifically stated she had a resolution for me today and wanted to discuss information. \n\nI am attaching the voicemail recording left by the Bank of America XXXX as evidence. \nIn the voicemail, the specialists voice noticeably shakes as she struggles to choose her words carefully which strongly suggests there was information she was not authorized to put in writing. \n\nThese conflicting communications raise serious questions about whether Bank of America is intentionally trying to manipulate the outcome of this claim by issuing misleading phone calls while sending out pre-written denial letters to regulators. \n\nIn addition, I find it highly suspicious that Bank of Americas automated system which had been allowing me to check the status of my claim for the past several months suddenly stopped providing any claim updates at all starting today, the same day they issued this latest denial letter. \n\nThis behavior appears to be part of a coordinated deceptive scheme to frustrate me into accepting the denial and walking away while hiding critical information behind phone calls instead of putting it in writing. \n\n\nWhat I Am Requesting : XXXX. I am requesting that the CFPB investigate Bank of America for possible UDAAP violations under 12 USC 5531 for using deceptive, misleading, and abusive tactics to manipulate the outcome of this dispute. \nXXXX. I am requesting that Bank of America fully reimburse the {$12000.00} in disputed funds as they are already in possession of detailed evidence proving these transactions were unauthorized. \nXXXX. Due to the prolonged financial hardship, emotional distress, and deceptive treatment I have endured throughout this process, I am formally requesting compensatory damages in the amount of {$50000.00} under the XXXXFPBs authority to provide consumer relief for UDAAP violations.\n\n4. I am also requesting that the CFPB refer this case to the Office of Enforcement for further investigation into whether Bank of America is engaging in systemic deceptive practices to avoid reimbursing customers in fraud claims. \n\n\n\nSupporting Evidence : Voicemail recording from Bank of America Regulatory Complaints Department ( XX/XX/XXXX ) Denial letter received via email ( XX/XX/XXXX ) Previous denial letters from Bank of America ( XX/XX/XXXX XX/XX/XXXX ) Detailed dispute documentation previously submitted to Bank of America Confirmation of address update submitted to Bank of Americas Risk Department Final Statement : I believe Bank of Americas actions in this case are not only deceptive but outright predatory and I am requesting that the CFPB investigate this matter to the fullest extent of the law.\n\nI respectfully request that this case be referred for UDAAP violations and compensatory damages relief under the CFPBs enforcement authority.","date_sent_to_company":"2025-03-01T01:01:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"085XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12240180","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-01T00:45:14.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["However, this denial letter was sent just hours after I received multiple urgent phone calls and XXXX voicemails from Bank of Americas Regulatory Complaints and Resolutions Department where the <em>specialist</em> specifically stated she had a resolution for me today and wanted to discuss information. \n\nI am <em>attaching</em> the voicemail recording left by the Bank of America XXXX as evidence."]},"sort":[11.513466,"12240180"]},{"_index":"complaint-public-v1","_id":"2020083","_score":10.548044,"_source":{"product":"Mortgage","complaint_what_happened":"PART XXXX ( FOR PART XXXX See CFPB COMPLAINT PART XXXX ) This is a follow up complaint to Case number : XXXX which was filed on XXXX XXXX, XXXX and currently has a STATUS of \" Response Disputed '' and not \" Review Completed. '' This complaint is in response to the XXXX XXXX, XXXX CFPB Release Special Edition of Supervision Highlights and Updates Mortgage Servicing Exam Procedures. SPS needs to respond in Declaration form under penalty of perjury such that the information is true and correct to the best of their knowledge. \n( XXXX XXXX ). The attached documents appear to relate to the technology and process breakdowns identified in this release from the CFPB. The attached documents also relate to the deceptive letters the CFPB references. SPS has changed the e-mail address for the Required Information Notices from XXXXXXXXXXXX to XXXXXXXXXXXX. This is an obvious attempt to foreclose on my home without my application ever being underwritten for all loss mitigation options/foreclosure prevention alternatives. This subtle change could be easily overlooked which was likely the intention at which time SPS could contend that the information was not received. SPSXXXX will never stop until they find a way to foreclose on my home. Should this happen it will be because the CFPB allowed it. \nSelect Portfolio Servicing is violating Consumer Rights laws by falsely advertising the Making Home Affordable Act and other forms of mortgage assistance SPS offers. SPS is using an affiliate company to act in the capacity of a Debt Collector and refuses to acknowledge this by responding with deceptive letters XXXX and Required Information Notices which violate the Fair Debt Collection Practices Act ( FDCPA ). I am harassed with up to XXXX notices per month before the previous ones are even due and have informed my relationship manager of this problem XXXX XXXX XXXX XXXX. \nThe notices require the same information that has been provided numerous times, removed from the list, and then added back on. SPS refuses to accept the Profit and Loss Statement, Letter of Explanation, and letter regarding my XXXX dues. XXXX XXXX XXXX, XXXX, XXXX Monthly Dues Dispute.pdf ). SPS is attempting to coerce me into making changes that I am unable to do by requiring me to call them when I have a cease and desist order that restricts SPS from calling me XXXX I have repeatedly provided the required information but SPS refuses to accept it no matter what I do because they are simply acting as a debt collector. \nXXXX XXXX previously coerced me into making such changes by placing me in foreclosure so that I was forced to speak with XXXX over the phone. In XXXX of XXXX. XXXX refused to allow my application into underwriting unless I changed the information on the application to conform to a loan modification. Although the CA Monitor provided me with a Consumer Rights Attorney because XXXX XXXX XXXX ) XXXX was violating the National Mortgage Settlement Consent Judgment and depriving me of my CA Homeowner Bill of Rights while foreclosing on my home ( fraud/oppression/malice ), XXXX XXXX still remains in control of my loan/application for mortgage assistance and continues to violate the same laws after she committed fraud to cover this up. In fact after XXXX transferred the servicing to SPS, she did the very same thing again in XXXX of XXXX until, finally in XXXX, Sr. Legal Specialist XXXX XXXX allowed my application into underwriting without any changes which proves SPS was depriving me of my CA Homeowner Bill of Rights.","date_sent_to_company":"2016-07-20T02:36:53.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Other mortgage","zip_code":"92037","tags":null,"has_narrative":true,"complaint_id":"2020083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2016-07-20T02:36:51.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["The <em>attached</em> documents appear to relate to the technology and process breakdowns identified in this release from the CFPB. The <em>attached</em> documents also relate to the deceptive <em>letters</em> the CFPB references. SPS has changed the e-mail address for the Required Information Notices from XXXXXXXXXXXX to XXXXXXXXXXXX. This is an obvious attempt to foreclose on my home without my application ever being underwritten for all loss mitigation options/foreclosure prevention alternatives."]},"sort":[10.548044,"2020083"]},{"_index":"complaint-public-v1","_id":"4835913","_score":10.373035,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I filed a fraud claim with Chase on XX/XX/XXXX immediately when I discovered my checking account had an unauthorized wire transfer/withdraw of $ XXXX. I phoned the claim department listed on the back of my atm. I was on hold for 1 hour before a representative answered. At that point I was told that on XX/XX/XXXX two wire transfers in different amounts of {$7700.00} and {$7000.00} were requested from my account via wire transfer from two different recipients with different addresses. I live in California. The wire requests came from the XXXX XXXX. Possibly XXXX. Chase blocked the transfers 4x due to suspected fraud and suspiciousness. Chase made one mention of location in their initial notes. A Chase representative then called the phone number associated with my account ( my phone number ) and approved the funds with a voice confirmation. I have never used any voice verification with Chase that could be used to verify my identity especially in suspicious banking activities and non-typical money exchanges. Over 15 years, I have only occasionally called Chase to reverse a late charge and/or order a new ATM. Claim supervisor XXXX confirmed several different fraud specialists made determinations on these transfers. Each time the wire transfer request was denied it went into a cue and a new and different person reviewed it again. There was no consistency by a single person and each person reviewing lived in potentially different countries. This leaves room for extraordinary errors. I have never initiated a wire transfer of any sort from my accounts in over 15 years of banking with Chase. This was my entire savings that was unauthorized out of my account. I bank with Chase because they are the largest bank in the world. I trusted in their security. I trusted in their level of professional knowledge regarding fraud if it should happen. I trusted that specialist reviewing suspicious activity were the highest trained. This was not the case. This wire transfer was initiated on XXXX XXXX time and sent to the XXXX XXXX. I live in California I am completely unaware all of this is occurring. I was not given the benefit of the doubt to send an email to indicate what was happening on XX/XX/XXXX or XX/XX/XXXX when prior to authorizing the wire. The two different amounts, two different recipients, two time zones, no history at all of transferring money, a transfer amount well outside of my typical spending patterns the fact that login pin was changed the day before this transfer was not reasonable for Chase to deny the wire. This is non-sensical to me. The totality of these red flag taken together with the fact that Chase denied this 4x was reasonable enough for Chase 's experts to stop any payment for this wire claim for our best interests in the end. But Chase did not. Instead, Chase decided that despite red flags and all of the suspicious behavior one phone call was simply sufficient to approve XXXX to wired out of my account. I do not see that any critical or preventative thinking or measures were used in this situation. I had only paid utilities and mortgage from this account. \n\nI did not know any sort of wire transfer could be done over the phone or website. I thought it was similar to my credit unions, which require 2 forms of ID and in person request. Furthermore, with my credit unions, even if a wire transfer is initiated by mail, the wire transfer must be notarized. Chase offers this easy on-line service to customers but with minimal measures in cases of fraud. Or rather, the level of training currently used is not sufficient to stop red-flags and suspicious transfers. I assert that because of the ease to impersonate Chase customers for a service Chase offers and is not adequately able to monitor, Chase customers are at a higher risk of being victims of fraud by highly technical and sophisticated fraudulent individuals. \n\nChase was able send email alerts on my account. I received the confirmation email on XX/XX/XXXX. Had Chase sent me email correspondence XX/XX/XXXX, and XX/XX/XXXX prior to authorizing those funds, in addition to blocking this transfer, my savings would still be in my possession. This is reasonable for Chase to do so on my account given my usage. Chase did not initiate a rapid recall until the week after XX/XX/XXXX. I was also told by the second representative that a rapid recall of the funds was not possible. However, on a later conversation in XX/XX/XXXX, I was told it was possible and they did initiate it. I believe Chase may have initiated the recall but on a date much later than XX/XX/XXXX in the XXXX. Chase refused to provide any documentation on their part to what, when and who did what. I asked multiple times to speak with supervisors and to connect me with the fraud specialists. Each time I was told decisions were made in the back office and no one was allowed to communicate directly with specialists there. \n\nXXXX/Phone Compromise Also on XX/XX/XXXX XXXX, I was unable to call out of my XXXX Phone service nor was I able to text. I had a dentist appointment. Upon arrival, I asked the secretary to phone me. She said my phone number rang straight to voice mail but my actual phone in my hand did not register the call nor did it ring. At that point, I understood something suspicious had occurred I checked my accounts at the dentist office. I received an email notification from Chase that the wire transfer for XXXX was successfully completed. I was shocked. I phoned in my claim and headed straight to the bank. After the bank, I headed to XXXX. I phoned their fraud department but was told I had to go into a local store with two forms of identification since my pin was changed and they could no longer verify me via phone. XXXX reviewed my account and determined an electronic sim card swap was made on XX/XX/XXXX, which allowed fraudsters to take control of my phone number, take my phone off XXXX XXXX system, load my number onto a sim card and then intercept the call from Chase. I was at XXXX for 3 hours. \n\nThis is a highly sophisticated 2-part fraud scheme that targets Chase Customers . Chase 's current methods of security and level of expertise of their fraud specialist is not at the level to prevent this, even on a basic level due to multiple inadequacies that include personnel and highly, specialized technology to complete fraud. In my case, I claim that Chase could have used more care, ordinary care based on red flags to prevent this. My experience with its claim specialists and reviewing their actions on my case suggest to me reasonable evidence of unskilled labor and failure to use ordinary good judgement in this fraud case. \n\nClaim Department The first representative who took my claim was outsourced from a XXXX. He yelled at me for not listening when I asked for clarification, and continued to say \" You authorized this wire ''. We had a tense discussion as I would not back down that I did not authorize this claim. The entire process was frustrating and scary. He did not offer to do a rapid recall. I asked if we could get the money back. He said no. I requested to speak to another agent. He transferred me. She seemed more professional but then her line was disconnected. I went to the bank to close my checking accounts and to confirm my claim. The second claim representative informed me the first specialist did not open it correctly so it was not opened at all. She also said a rapid recall was not possible. So far I have been in the phone with Chase since XXXX. I left the bank 3 hours later. The resulting 10 out of the 12 representatives I spoke to were outsourced from the XXXX or XXXX. It took at least 45-60 minutes to get in to the claim department. It was incredible difficult to understand the agents and their knowledge about handling the claim, what I should do, what I could do was limited to none. I went in every week since XX/XX/XXXX and reviewed details. Every week there were outrageous errors. I spent at least 3 hours per week at the bank from XX/XX/XXXX to XX/XX/XXXX. I filed a complaint w/Chase to how they were handling my claim. At every juncture they frustrated not help my attempts to recover my funds. I filled out the forgery packet and provided multiple pieces of information. 10 days later there was no response. The 4th time I went to the bank, Chase had processed the claim for XXXX and not XXXX. I had to wait another 10 days to get a response and for them to correct or get in order their documentation. A private banker at Chase was witness to all of my phone calls. He also was upset and embarrassed with all of the mistakes. \n\nLastly, I recalled that I had received several texts from Chase the week prior. One regarded if I made a purchase and to indicate y/n. The other resulting Chase texts were to update my accounts on-line. I used the text update my account. I went to Chase and updated my information. I monitored my accounts for daily afterward. There was no suspicious behavior. In filling out the affidavit and speaking with the claim reps, they said Chase would never ask to update information via text. I informed them the website was a Chase website. It was exactly what Chase 's website looked like. I inspected it. There was nothing that indicate it was not Chase or a scam. I logged in etc. Following these discussions with Chase, I now conclude that this website may not have been chase. I disclosed this information to Chase. I also disclosed that my phone was compromised. \n\nXX/XX/XXXX Chase responded with an email that I did not take the appropriate steps to protect my account against fraud. I counter and say, Chase is did not do enough to inform me that fraud may have been happening to my account, and in general Chase is not doing enough to inform customers that fraudsters are specifically targeting to Chase and Wire Fraud since it is an easy, on-line service scammers can hack into given Chases limited stop to this. Chase is able to send offer letters to customers to encourage them to use their financial products. Chase needs to send out more notifications to your home address encouraging you to be more on alert to being specifically targeted as a Chase customer. Chase also does not disclose that likely 80 % of their workforce in Claim and Fraud representatives are outsourced at this time and representatives are not prepared to handle complex, documentation. Outsourcing would not be problematic if the outsourced workers were skilled and highly trained and to take well-documented notes and details in English. This is not the case. They are not. There were multiple errors in my claim and when phoning in. I have the private banker as a witness. The specialists I spoke with all appeared to have basic, entry-level skills vocabulary and grammar. I am a XXXX  XXXX and XXXX XXXX. I am licensed. It was clear the language capabilities and/or receptive language of the specialists I spoke with were not especially adequate to document complex internet economical criminal behavior I reported. Chase also does not disclosing the amount of errors on their part that adversely impacts the victim/customer in advocating for oneself and recovering their money. Chase did not care at all that I was unable to pay my bills, my mortgage, that I am new homeowner or that I banked with them for over 15 years without any prior incident. I also felt discrimination on the basis of gender and race. I was unable to show any type of anger or raise voice as this quickly lead to ending the call. The private banker was male. He was able to serve as an intermediate communication person. He was also proactive of his job and I could not strongly ask him to put himself in jeopardy. However, I felt great humiliation and blame firstly for not being able to fully speak for myself, and secondly for the amount of liability the bank was assessing to me saying I should have known. There were no discussions of liability or any acknowledgement of Chase 's response to not stopping the wire transfer in light of the suspicious behavior. There was no discussion to how I should have known when they themselves did not use ordinary, basic care. Is the customer supposed to police the Banks resources? Is the customer supposed to know beyond a shadow of a doubt that a website may be false when it is identical to Chases? The answer is no. This is not possible. I never imagined Chase would not help me in a case of unauthorized payment. Nor did I ever think Chase would NOT stop a payment with so many red-flags. \nBoth Chase and I were victims of a highly, complex fraud operation that is beyond their highly-trained or ordinarily-trained representatives to prevent. I had never heard of an electronic sim card swap. With every other person I spoke to about this in my claim, they had not either. Including, private banker. It was equally difficult to explain this to the claim specialists with varying levels of English proficiency and fraud expertise answering my calls. \nIn my XXXX Privacy notice for this checking account from Chase under Accounts Alerts and Text banking Chase indicates it may contact customers using telephone number, email, and/or other delivery points so they can inform you about your accounts. There is no mention that I will be held 100 % liable if I am scammed. The XXXX disclosures, more fully explain this and have several expanded entries or wire-fraud. This was not included in my XXXX disclosure, when the bank changed my checking accounts from Chase Total Checking to Chase Premier.\n\nChase clearly says they can refuse to authorize a transaction where they reasonably believe there may be fraudulent, suspicious or illegal activity. I state that Chase did not use reasonable or ordinary care to do this, which would have secured this money in both our interests. Chase is a bank and employ fraud experts. To suggest a customer would have more experience and knowledge than the very experts hired and trained by Chase to intercept fraud is ludicrous, irresponsible, and absolves Chase of any responsibility of their own use ordinary care or in instances when Chase could have prevented this. Ordinary care for the largest bank and richest in the world, requires Chase to have a standard that is more knowledgeable than an ordinary customer. There are enough red-flags to show Chase could have prevented this. They have the authority to stop charges. \nI reported this crime less than 24 hours after it occurred. I did not benefit from this unauthorized withdraw. I did not know the recipients. This is a personal violation where the bank had the final say. This fraud has destroyed my financial security and trust in Chase. Chase response to me and it's treatment of my claim has been intimidating and stressful and has reduced me to a victim with no recourse. I vehemently disagree.\n\nThe ETA states that in ATM, credit card fraud, funds transferred by telephone, money exchanged electronically that are fraudulent, the customer is liable {$50.00} if claim is made within 2 business days and up {$500.00} if reported later and/or within 60 days. After 60 days you are not entitled to any reimbursement of your funds. Wire transfers are direct bank to bank electronic transfers. Should liability be assigned to me, then it should follow more reasonable terms. Holding me 100 % liable or XXXX liable is incredibly destructive and punitive to the customer. It is obvious to me My Pin, and telephone numbers are not enough to keep funds safe, especially given the ease to which fraudsters are able to steal your information. Chase has not proved I did not use ordinary care or justified 100 % liability. I am an intelligent person. I have 3 degrees. I am a XXXX. I review my accounts daily. I do receive notifications from Chase. I verified the site to my best ability and it appeared to be Chase, in every aspect. This is the expectation of ordinary, for a bank customer. \n\nIn the XXXX Chase disclosures sent to me when my accounts were changed by Chase, the fraud section was not are not as expansive as it is now. The new disclosures associated with my new bank accounts that I was required to open include much more explicit fraud disclosures and information. I did not have those in my booklet from XXXX, which I have now. However, the issue still stands that flatly denying customers based on being victimized by a scam, which customers are specifically targeted as Chase I am prepared to continue to appeal Chase 's denial. I will ask Chase directly to reinstate my account. I will further indicate I will proceed with further complaints and pursue Small Claims Court should Chase continue to not reimburse my account. \n\nSee attached documents. Police Department in XXXX XXXX, Ca would not take police reports for this internet fraud but had me fill out ICF 3 form instead.","date_sent_to_company":"2021-10-22T22:07:59.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92124","tags":null,"has_narrative":true,"complaint_id":"4835913","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-10-22T21:10:05.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["See <em>attached</em> documents. Police Department in XXXX XXXX, Ca would not take police reports for this internet <em>fraud</em> but had me fill out ICF 3 form instead."],"issue":["<em>Fraud</em> or scam"]},"sort":[10.373035,"4835913"]},{"_index":"complaint-public-v1","_id":"6666872","_score":9.426279,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello My name is XXXX XXXX I have credit card for the limit of {$4900.00} with Capitol One I have had the card since XXXX, I have good payment history until the pandemic hit I experienced fraud so I used my card to survive at the time. The compliant I am submitting that Capitol one have been providing misleading information about my card and about programs I was told that I had 180 days to get my card together and that I was only at XXXX days. I was told that I could still utilize my card and it was not canceled. On XX/XX/XXXX I called in after making payments to get me current I was told it was a rule called the XXXX  day rule that they permanently restrict the account. This was my first time hearing this they had been telling me that my account is open, its being reported open to my credit as well adding high interest. I asked them for information to support what they were saying. I was sent a credit card agreement that never stated XXXX day rule it states XXXX day rule. So then I asked so why would you guys sit there and report the card open and I am not able to use it? Nothing in the agreement or on the website states anything about restrictions or soft closings. The account specialist did not have much information to provide she could not answer any of my questions, all of them gave different information, then they based the decisions on computer system but could not explain the results. I was also told that because I had them on do not call they did not tell me about any programs to get me on track when I called capitol one and asked. I had been calling them for months it was no letters sent out to support any soft closing or restrictions information, they then went and updated my account after being on the phone with them for hours saying it was restricted. I have pictures and also the credit card policy along with pictures I took off line. I feel discriminated against and believe they are practicing misleading scams on reporting accounts open they have closed to sit and build up interest with notifying the customer the account is closed, I have been calling them for the last 8 months. I was never notified of restrictions and now that I called and spoke about it they have put the notification up on my app. I have attached photos and if you need to see the timing of the pictures I can send them as well I screened shot them from cell phone","date_sent_to_company":"2023-03-08T17:29:23.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"60651","tags":null,"has_narrative":true,"complaint_id":"6666872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-08T16:33:36.000Z","state":"IL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I have <em>attached</em> photos and if you need to see the timing of the pictures I can send them as well I screened shot them from cell phone"]},"sort":[9.426279,"6666872"]},{"_index":"complaint-public-v1","_id":"1642251","_score":9.229997,"_source":{"product":"Mortgage","complaint_what_happened":"I was approved for a HAMP TPP in XXXX and made all XXXX trial payments but never received the loan modification. I got my loan with XXXX in XXXX which makes it the most fraudulent of all mortgages. XXXX then proceeded with 2 years of wrongful foreclosure action. They maintained a trustee sale on calendar for 12 months at a time and I had to endure massive stress to compel them to postpone the sale 30 days at a time. I was being sued in Superior Court for $ XXXX while XXXX proceeded with 2 years of foreclosure action. \nI filed a complaint with the OCC and XXXX responded with fraudulent letters. I exposed this fraud and the Executive Analyst who was responsible retaliated against me by continuing to refuse to underwrite my application for mortgagee assistance. XXXX violated Supplemental Directive XXXX by not determining XXXX way or the other if I qualified for the HAMP when it was obvious that I did not. Instead XXXX ( XXXX ) continued to require that I send documentation and information by contending the application was not complete. The application was indeed complete but XXXX refused to accept this. \nIn XXXX of XXXX, XXXX placed me back in foreclosure. I filed a complaint with the CA Attorney General who referred the matter to the CA Monitor at the XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. The CA Monitor had a XXXX ATTORNEY CONTACT THE XXXX LEGAL DEPARTMENT AND MYSELF BECAUSE XXXX WAS IN VIOLATION OF THE NATINAL MORTGAE SETTLEMET CONSENT JUDGMENT. I informed the XXXX legal department that I wanted the name of the person responsible and an explanation for why my application was not allowed into underwriting. I received XXXX totally fraudulent letters from XXXX ( XXXX ) dated XXXX XXXX, XXXX and XXXX XXXX, XXXX which were a desperate attempt to cover up how she violated the National Mortgage Settlement Consent Judgment and deprived me of my CA Homeowner Bill or Rights to foreclosure on my home. \nXXXX then transferred the servicing of the loan to Select Portfolio Servicing. I disputed the transfer of the servicing of the loan as it was under fraudulent conditions but SPS ignored this. SPS has refused to provide information regarding an Affiliated Business Arrangement which I requested in a Qualified Written Request. SPS is concealing this affiliated company and will not inform me as to who it is that is ion control of my application. Senior Legal Specialist for SPS, XXXX XXXX allowed my application into underwriting as is, in XXXX of XXXX ; the day before the foreclosure sale date. SPS had been preventing the application from entering underwriting by contending it was not complete when it was. After XXXX XXXX allowed it into underwriting as is, SPS fraudulently withdrew it from underwriting. It is obvious to me that the very same person form XXXX who was in control of my application, is still in control of my application at SPS and continues to retaliate against me for exposing her for her crimes. \nI have a Cease and Desist Order attached to my account with SPS which they have acknowledged and complied with. However NOW SPS is requiring that I call THEM. Whenever I call SPS I am informed that they are a DEBT Collector and all information will be used for that purpose. Al the Required Information Notices I receive say the same thing and I am receiving several a month before the previous ones are even due. However other letters state that it is not an attempt to collect a debt. If I do not respond to these SPS can initiate foreclosure and when I do they will not underwrite the application. \nI have informed SPS that at this point my sole source of income is to rent the property as a vacation rental. SPS refuses to provide assistance to enable me to accomplish this but also has not foreclosed. So SPS obviously could provide such assistance because they have not foreclosed on the home.","date_sent_to_company":"2015-11-04T18:55:55.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Other mortgage","zip_code":"99203","tags":null,"has_narrative":true,"complaint_id":"1642251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2015-11-04T01:55:17.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I filed a complaint with the OCC and XXXX responded with fraudulent <em>letters</em>. I exposed this <em>fraud</em> and the Executive Analyst who was responsible retaliated against me by continuing to refuse to underwrite my application for mortgagee assistance. XXXX violated Supplemental Directive XXXX by not determining XXXX way or the other if I qualified for the HAMP when it was obvious that I did not."]},"sort":[9.229997,"1642251"]},{"_index":"complaint-public-v1","_id":"1421331","_score":9.207024,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing this letter with regard to the recent denials for mortgage assistance based on occupancy requirements and the false statements made by multiple WFHM representatives. It is my understanding that I was falsely denied for mortgage assistance due to improper advice given by my single point of contact ( SPOC ) assigned to my account, XXXX XXXX, with regard to occupancy eligibility and requirements. Since the denials, I have been provided with only solutions that benefit WFHM, which is a violation of RESPA, Dodd-Frank and the CFPB at a minimum per my understanding. These and other mortgage servicing and consumer rights violations are detailed below : ISSUES TO BE ADDRESSED BY THE CFPB WITH WFHM1. UNFAIR REVIEW PROCESS - FALSE INFORMATION PROVIDED BY XXXX XXXX, SPOC AT WFHM, TO BE USED TO DENY ME FOR MORTGAGE ASSISTANCE2. APPRAISAL FRAUD/COLLUSION TO DENY MORTGAGE ASSISTANCE - INTERNAL BPO COMPLETED BY ONLY COMPANY ( WFHM ) REPRESENTATIVES USED TO DENY ME FOR MORTGAGE ASSISTANCE AND UTILIZING THE HIGHEST COMPARISONS WITH DIFFERING PROPERTY INFORMATION AS EVIDENCED BY THE ATTACHED3. PROVIDING OPTIONS SOLELY BENEFICIAL TO WFHM - XXXX XXXX OF WFHM ENGAGED IN UNLAWFUL STEERING PRACTICES WHEN HE IDENTIFIED A SHORT SALE AS THE ONLY OPTION FOR ME WITH REGARD TO MORTGAGE ASSISTANCE CONTRADICTING THE WFHM CORRESPONDENCE AND MHA HAMPI was advised by XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX to file my tax returns in order to prove occupancy for my home located at XXXX XXXX XXXX and serviced by Wells Fargo Home Mortgage ; he held the XXXX from underwriting for this documentation to be prepared. Upon successful completion and filing of my XX/XX/XXXX tax returns, they were submitted to XXXX XXXX at which time he approved the file as being complete and all occupancy verification documentation being received. Shortly thereafter, XXXX XXXX was removed as the SPOC on the file and the new SPOC/homeowner preservation specialist on the file, XXXX XXXX, advised me that the taxes can not serve as proof of occupancy despite being informed otherwise by XXXX XXXX. Additionally, I submitted the attached letters of explanation clarifying my occupancy to XXXX XXXX and advising of my imminent return to the home, which is exactly what has taken place as evidenced by the attached proof of occupancy and the mailing address change. \n\nXXXX XXXX, when advised of the advice received by my prior SPOC XXXX XXXX, stated that she did not know who XXXX XXXX was or even if he worked for WFHM, which is extremely disconcerting. She further refuted my conversations with him only to learn, after minimal effort, that he did still work for WFHM - her actions were egregious and abusive to say the least. \n\nAs a result of the expiration of my rental agreement and coupled with the sale of the home in which I was residing and the diagnosis of XXXX XXXX XXXX for my wife, I have now moved back to the XXXX residence as evidenced by the attached utility bill and with the change of mailing address that occurred this week with Wells Fargo Home Mortgage. My occupancy is not debatable. \n\nAs a result of the recent denials as well as the false information provided and the mortgage servicing violations committed by multiple Wells Fargo Home Mortgage representatives, I am escalating the unfair, deceptive, abusive acts and practices to the government regulatory agencies like the CFPB in an effort to provide for a new, fair and impartial review. \n\nPlease help me in obtaining a fair and impartial review for my request for mortgage assistance and in holding WFHM accountable for their abusive and egregious actions. We have already been dealt a blow this year with my wife 's XXXX XXXX XXXX diagnosis and we are simply trying to avoid foreclosure in the face of our hardships. \n\nThank you!","date_sent_to_company":"2015-06-15T17:49:16.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"85024","tags":null,"has_narrative":true,"complaint_id":"1421331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2015-06-15T17:49:15.000Z","state":"AZ","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["APPRAISAL <em>FRAUD</em>/COLLUSION TO DENY MORTGAGE ASSISTANCE - INTERNAL BPO COMPLETED BY ONLY COMPANY ( WFHM ) REPRESENTATIVES USED TO DENY ME FOR MORTGAGE ASSISTANCE AND UTILIZING THE HIGHEST COMPARISONS WITH DIFFERING PROPERTY INFORMATION AS EVIDENCED BY THE <em>ATTACHED</em>3."]},"sort":[9.207024,"1421331"]},{"_index":"complaint-public-v1","_id":"21293563","_score":9.098331,"_source":{"product":"Credit card","complaint_what_happened":"I am a victim of an ongoing violent extortion scheme. I was forced to make purchases on my XXXX credit card under duress, under threat of physical harm, and without my genuine consent. Discover Bank has denied my fraud claim despite my providing a police report and FTC XXXX Theft Report. \n\nCRIMINAL BACKGROUND : I have been held at gunpoint twice and threatened with a hitman. The extortion scheme has stolen over {$5.00} XXXX from me. I have filed a police report with the XXXX XXXX Police Department ( Case # : XXXX ) and an FTC XXXX XXXX  Report ( Report # : XXXX ). \n\nUNAUTHORIZED TRANSACTIONS ( all made under duress ) : Coerced Credit Card Purchases : I was forced to make credit card purchases under duress, including : - XX/XX/year> XXXX XXXX Tires - XX/XX/year> XXXX XXXX Jewelry Gold necklace - Additional coerced purchases throughout XXXX XXXX BANK 'S RESPONSE : Discover Bank denied my fraud claim despite my providing : - A formal police report ( Case # : XXXX ) - An FTC Identity Theft Report ( Report # : XXXX ) - A detailed written dispute letter - Documentation of the extortion scheme including gunpoint threats XXXX Bank XXXX XXXX reverse these coerced transactions. XXXX claims the transactions were \" authorized '' because I used my card. However, authorization obtained through force, threats, and intimidation is not valid consent under the law. \n\nLEGAL VIOLATIONS : XXXX. Fair Credit Billing Act ( XXXX ) Violation : Under the XXXX ( XXXX XXXX. XXXX ), I have the right to dispute unauthorized credit card charges in writing. XXXX must acknowledge receipt of my dispute within 30 days and resolve the dispute within XXXX billing cycles ( not to exceed 90 days ). XXXX has failed to properly investigate and reverse the coerced purchases. \n\nXXXX. Unfair and Deceptive Practices : XXXX 's denial of my fraud claim despite clear evidence of criminal extortion constitutes an unfair and deceptive practice in violation of consumer protection laws. \n\nXXXX. Violation of XXXX XXXX XXXX : XXXX advertises {$0.00} XXXX XXXX for unauthorized transactions. My transactions were made under duress and are therefore unauthorized. XXXX has violated its own policy. \n\nXXXX. Failure to Provide XXXX XXXX : Under the FCBA, while investigating a billing error dispute, the card issuer can not take adverse action against the consumer, including reporting late payments to credit bureaus or attempting to collect the disputed amount. XXXX has continued to demand payment. \n\nXXXX. XXXX 's History of CFPB XXXX : The CFPB has previously ordered XXXX to pay approximately {$200.00} XXXX in restitution to more than XXXX XXXX consumers for deceptive marketing and billing practices. This history demonstrates that XXXX has engaged in systemic violations of consumer protection laws. \n\nPRIOR RESOLUTION ATTEMPTS : I have attempted to resolve this matter directly with XXXX multiple times : - I called XXXX 's fraud specialists at XXXX - I called XXXX customer service at XXXX - XXXX submitted written dispute letters- I provided my police report and FTC Identity Theft Report - XXXX denied my claim and refused to reverse the coerced transactions RELIEF REQUESTED : XXXX. Full investigation of all coerced transactions on my XXXX credit card. \n\nXXXX. Reversal of all unauthorized transactions, including : - XX/XX/year> XXXX XXXX Tires - XX/XX/year> XXXX Villas Jewelry Gold necklace - All other coerced purchases XXXX. XXXX credit as required under the FCBA during the investigation period. \n\nXXXX. Removal of all associated fees, interest, and finance charges. \n\nXXXX. Correction of any negative credit reporting resulting from these fraudulent charges. \n\nXXXX. Written confirmation of resolution. \n\nI have attached my police report ( Case # : XXXX ) and FTC XXXX Theft Report ( Report # : XXXX ) as evidence. \n\nI declare under penalty of perjury that the foregoing is true and correct. \n\" \" Section XXXX : Desired XXXX XXXX or write : Desired resolution : \" Investigation of my fraud claim, reversal of all coerced credit card transactions, temporary credit under the XXXX, removal of all fees and interest, correction of credit reporting, and written confirmation. '' Section XXXX : Attachments Attach the following documents ( if available ) : Document Attached? \nPolice report ( Case # : XXXX ) FTC Identity Theft Report ( Report # : XXXX )","date_sent_to_company":"2026-04-16T06:30:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"21293563","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-16T06:22:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["PRIOR RESOLUTION ATTEMPTS : I have attempted to resolve this matter directly with XXXX multiple times : - I called XXXX 's <em>fraud</em> <em>specialists</em> at XXXX - I called XXXX customer service at XXXX - XXXX submitted written dispute <em>letters</em>- I provided my police report and FTC Identity Theft Report - XXXX denied my claim and refused to reverse the coerced transactions RELIEF REQUESTED : XXXX. Full investigation of all coerced transactions on my XXXX credit card. \n\nXXXX."]},"sort":[9.098331,"21293563"]},{"_index":"complaint-public-v1","_id":"3750865","_score":8.998829,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint against Shellpoint Mortgage Service DBA New Penn Financial DBA NewRez Servicing and Ms XXXX XXXX for : 1. Charging me {$7300.00} in fees for a forbearance request due to temporary inability to work due to coronavirus while my loan was current without a single missed payment. ( See attached exhibit A ) 2.  Refusal to indicate in written forbearance agreement the full terms discussed 3. Ignoring my multiple requests for additional 6 months forbearance due to Covid as my circumstances have not changed as to my temporary coronavirus induced hardship ( my loan is XXXX XXXX ) 4. Failure to correct the above for weeks upon repeated requests ( including requests in writing ) I contacted ShellPoint and NewRez in  regards to coronavirus induced hardship multiple times, in writing, starting on or about XX/XX/XXXX. \nMy requests were first ignored and then reduced to 3 months forbearance. The three months forbearance was approved on XX/XX/XXXX. \nI never missed a single payment on my mortgage and made my last payment of {$3600.00} on XX/XX/XXXX which New Rez promptly deposited on XX/XX/XXXX ( due XX/XX/XXXX ) and then the next bill due XX/XX/XXXX showed {$7300.00} - a service fee for requesting COVID forbearance which is outrageous and can NOT be charged! \n\nOn XX/XX/XXXX I again confirmed the terms of forbearance and in writing with XXXX XXXX Loss Mitigation Specialist Shellpoint Mortgage Servicing Toll Free : XXXX XXXX including the payments on forbearance are to bepaid off at the end of the loan in a lump sum. ( Exhibit B ) which Ms XXXX confirmed as true ( Exhibit B ) on XX/XX/XXXX XXXX. I asked her again to include the following clause in the agreement : the payments on forbearance are to bepaid off at the end of the loan in a lump sum. as we discussed below. ( Exhibit B ). \nMs XXXX refused to correct the agreement she originally sent me ( Exhibit B ) and told me to contact their general email. At that point I told Ms XXXX that I already submitted multiple requests to shellpoint and they transferred me to her. As she confirmed in her last email, I was requesting the exact same wording to be added to the agreement. \nMs XXXX gave multiple excuses not to give me anything in writing including the following excuses that : 1. she does not send letters while her first communication was a letter agreement, the very same one I was asking to correct to reflect the statement we discussed. \n2. The letter may have my name on it but I do not write letters at all. \n3. Your loan will be reassigned to a new point of contact by this afternoon as I am no longer on the team that handles your account. and many more ( her emails available if needed ) I kept asking to correct the situation for days and was constantly ignored so I know that Shellpoint Mortgage Service DBA New Penn Financial DBA NewRez Servicing and Ms XXXX XXXX purposefully pocketed thousands of dollars in illegal charges for forbearance requests on accounts during coronavirus pandemic which is predatory and warrants investigation by authorities for fraud and illegal business practices.","date_sent_to_company":"2020-07-17T04:30:35.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"11235","tags":null,"has_narrative":true,"complaint_id":"3750865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2020-07-17T04:18:09.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Ms XXXX gave multiple excuses not to give me anything in writing including the following excuses that : 1. she does not send <em>letters</em> while her first communication was a letter agreement, the very same one I was asking to correct to reflect the statement we discussed. \n2. The letter may have my name on it but I do not write <em>letters</em> at all. \n3."]},"sort":[8.998829,"3750865"]},{"_index":"complaint-public-v1","_id":"3273779","_score":8.938484,"_source":{"product":"Mortgage","complaint_what_happened":"Washington, DC Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint To : Consumer Complaint Agent, Im writing this letter to explain my complaint. I first would like to tell you, I am not struggling to pay my mortgage. In fact, I found out, I do not have a mortgage Note. I own a home in the district of Columbia. My original mortgage began in XXXX and was released in XXXX. I am writing you this letter for two reasons. One, my complaint in its entirety can not be explained using the small box on the complaint form. Two, I believe cfpd can help me right this wrong. \nThe house I brought nineteen years ago is the reason Im writing you this letter. I have filed a complaint with cfpb, and I have filed a complaint to Quiet my title. The case is in court as I write this letter. The reason Im writing your agency is to document my case. In XXXX of XXXX, I found out that Wells Fargo had slandered my mortgage with the assistance of HUD. Yes, I said it, HUD assisted. I have attached the email that the HUD employee sent me, it confirms this fact. \nLet me start with the facts that I have been able to gather so far. In XXXX my mortgage was released. Im still not sure if FHA insurance paid it off because it had gone bifurcated for nine years or my father paid it off. What I do know for sure is its was released in XXXX. Up until XXXX of this year, I had been paying this released mortgage to Wells Fargo believing they were the holders of the Note. Wells Fargo lead me to believe they modified my original mortgage. In XXXX, I called Wells Fargo to find out why, I couldnt pay my mortgage online as I had been for the last six years. \nThe agent on the other end of the phone told me, your mortgage has been transferred to a new mortgage server, Wells Fargo is not the Holder of your Note, we were only servicing your mortgage. I asked, who is the holder of the Note? She said, I cant tell who it was. A new company was assigned to servicing my mortgage, XXXX XXXX XXXX. I asked, what about the documents you had me sign? you never modified my loan as you said you would. I just received a letter from Wells Fargo saying you overlooked my modification. The agent said she didnt know what I was talking about. She was able to see that Wells Fargo had establish a second mortgage account in my name with a separate mortgage number. I told the agent, yes that was supposed to be my HUD modification and I dont know why its just sitting there in an account separate from my mortgage. The agent pretended not to know what that meant and went on to say, well you dont have to pay us back until XXXX of XXXX. \nWells Fargo had taken the Partial Claims Promissory Note funds they received on my behalf and opened a separated mortgage account in my name. I was confused about what was going on with my mortgage. Why did I have a second mortgage? I also wanted to know, why did the paper work I signed say I had to pay HUD back if the money was sitting in a second Wells Fargos account? \nI want you to Know, the whole time Wells Fargo was defrauding me I had no idea what was going on. When the fraud began it was at the height of the mortgage scandal, my father and I had stop speaking and my son was in his XXXX year of college. I say all of this to say, I never stopped to investigate Wells Fargos claim to my home. Wells Fargo Started sending me threating letters about foreclosure and I just took for granted they had a legal right to my home, they didnt. \nI started investigating my mortgage in XXXX of XXXX. The first thing I did was go to the Deed of Records. I had gone to the Deed of Records when the fraud first began but, I never examined all the records. I just got a copy of my Deed. Wells Fargo had sent me some suspicious forms, back when they began slandering my mortgage, trying to get me to sign over my Deed to them. So, I wanted a copy of my Deed. I like most, who have been defrauded by Wells Fargo, didnt realize the legal boundaries crossed by Wells Fargo to attain their Trillion-dollar status. Wells Fargo has built their company on the backs of innocent mortgage and account holders. \nSorry, Ill get back to my complaint. The next thing I did was call HUD. The first time I called HUD, they were just as confused and uninformed as I was. This was alarming. I started asking questions about my FHA mortgage. The HUD agent told me Ms. you dont have an FHA mortgage. I began reading off the numbers on the loan documents Wells Fargo had me sign, the agent corrected me. She read off to me, my real FHA mortgage number, the one that was released in XXXX. I than asked her about the Partial Claims Promissory Note. The agent seemed to have become nervous. She said, Ill have to transfer you to a special department. I cant talk to you about that. I struggled to understand why HUD wouldnt talk to me about a loan I had taken out with them. \nThe agent transferred me to a women name XXXX XXXX. When I spoke to XXXX, she told me. Wells Fargo failed to submit the proper paper work required to process a Partial Claims Promissory Note. The Partial Claims Promissory Note had been rendered null and Void back in XXXX. I ask XXXX to send me a letter conforming my Partial Claims Note status as null and void. XXXX went on to say, Wells Fargo paid HUD back once the Note was render null and void in XXXX. She said, since they paid off the Note, I cant give you a free and clear letter because its not your debt. \nI called back the next day attempting to get more information. I needed to document all the facts. I asked the same questions and this time the agent said, oh yes, you do have an FHA mortgage. I told the agent about my conversation with XXXX. The agent then changed her statement and said oh yes, I see where it was cancelled. I ask the agent to explain to me why it was cancelled. The agent than said we have a special department for that. The agent went on to say that XXXX XXXX was no longer the contact person. The new contact person was XXXX XXXX and she could be reach at extension XXXX. \nThe calls to HUD went on for about two weeks before I found a XXXX/HUD Specialist smart enough to tell me all about the collusion of fraud. Wells Fargo and the HUD employee where working together to mislead me into thinking I had modified my mortgage. I called attempting to get a free and clear letter to include with my initial compliant filed with the XXXX Superior Court. \nI filed a case against Wells Fargo and XXXX XXXX XXXX. At first, the call went about the same as always. Whenever I called HUD no one ever seem to know what I was talking about. On this day, I called HUDs main customer service line at XXXX. I went into my story as usual, telling the agent I had sent the fax requesting my free and clear letter. I had talked to one of the agents on the main line who said they could give me the letter if I requested it in writing, by email or fax. The agent was just as confused as they always were when I called. After I explained to the agent why I was calling again, the agent connected me to a new Specialist. \nThe Specialist came on the line. I began asking her questions about my Partial Claims Promissory Note. I asked her to explain to me what a Partial Claims Promissory Note was. The Specialist, whose name is XXXX, explained what a Partial Claims Promissory Note was and how it worked. XXXX said, Partial Claims Notes were used to pay down past due mortgage payments. I told XXXX about my Partial Claims Promissory Note. Wells Fargo had received XXXX cent on my behalf, the Note was attached to a non-existing FHA mortgage. As we spoke, I realized why HUD had rendered the Partial Claims Promissory Note, Null and Void. Wells Fargo had no original mortgage to attach my Partial Claims Promissory Note to. \nOnce I started to tell more about what happened to me, XXXX stopped explaining what a valid Partial Claims Note is. It was at this moment, XXXX realized what she was telling me. She said, well thats not how a Partial Claims Note is processed, you must have a mortgage to attach it to. XXXX than began asking me questions. She asked, did they file this in you Deed of Records? is that what youre looking at? I answered, no they didnt. In fact, I dont have an original mortgage. She stopped talking to me and started asking more questions. Are you working with a lawyer? just have him call and I can explain it to him, hell know what we do. XXXX than said, I need to call my contact over at Wells Fargo before I can talk to you any more about this. Im not going to be able to release any more information until I talk to my contact about this. When she found out I wasnt working to modify my loan, she said, I didnt give you my information for you, this is information for a lawyer. She said, I cant give you a letter until I find out more about why the Note was nullified. She said, my friend/contact at Wells Fargo will know more about what happened. \nI received an email from Ms. XXXX on Friday XXXX the XXXX, XXXX. I have attached the email and the attachments that were included with her e-mail. The email is supporting evidence that Wells Fargo and HUD employees worked together and violated my rights as a homeowner. HUD never contacted me to tell me that my Partial Claims Promissory Note was render Null and Void. Wells Fargo had no legitimate interest in my property and couldnt supply the proper paper work to prove/establish interest in my Deed of Trust. The email Ms. XXXX sent me included an attachment of the documents Wells Fargo had me sign that lead me to believe One, I had a Note with them. Two, I was modifying a Note using a Partial Claims Promissory Note. The Whole transaction was collusion and fraud. I had already requested a copy of the endorsed Note from Wells Fargo, before I began making calls to HUD. The endorsed Note Ms. XXXX referred to and attached to her e-mail ( dated XXXX ) was signed and dated on XX/XX/XXXX. The copy Wells Fargo sent me, of the same Note, was signed and dated XX/XX/XXXX. Ms. XXXX had no way of knowing I had already requested a copy of the document but, what she did know was the documents was fraud. Ms. XXXX knew a Partial Claims Promissory Note had to be attached to a primary Note. She also realized, from our conversation and the fact that the Partial Claims Promissory Note was render Null and Void, Wells Fargo was not the Note holder, I was. Wells Fargo committed fraud on so many levels and slander my mortgage, Deed of Trust. Wells Fargo, created an account in which they deposited XXXX into, using my name and information. This was an illegal act. The email Ms. XXXX l sent me establishes collusion for the purpose of defrauding a homeowner. \nIn my initial order to Quiet my title I included copies of all the files recorded in the Deed of Records. Wells Fargo filed four records, two of them were foreclosure notices that named Wells Fargo as the Note holder. Not one of the four records, recorded this modification. My case is very common. The people that where suppose to help me didnt. Wells Fargo knew they where breaking the law. HUD knew Wells Fargo was breaking the law and did nothing to assist me. I hope, I have explained my case well enough for anybody who reads this complaint to understand what happened. \nIm not sure how well I explained the case to the court. I am just a single mother fighting a Trillion-dollar company for what belongs to her and her son. The initial case I filed described the circumstance in legal terms. I hope this letter describes my complaint in Plain Writing. Please feel free to pass my letter onto anyone who can use it to help fight Wells Fargos fraud. I would like punitive damages and I need your agencies help investigating this case going forward. Please feel free to contact me at my email address. I would love to talk to anyone who could help stop Wells Fargos fraud.","date_sent_to_company":"2019-06-13T04:40:09.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"3273779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-06-13T03:45:46.000Z","state":"DC","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":["After I explained to the agent why I was calling again, the agent connected me to a new <em>Specialist</em>. \nThe <em>Specialist</em> came on the line. I began asking her questions about my Partial Claims Promissory Note. I asked her to explain to me what a Partial Claims Promissory Note was. The <em>Specialist</em>, whose name is XXXX, explained what a Partial Claims Promissory Note was and how it worked. XXXX said, Partial Claims Notes were used to pay down past due mortgage payments."]},"sort":[8.938484,"3273779"]},{"_index":"complaint-public-v1","_id":"6105428","_score":8.911581,"_source":{"product":"Checking or savings account","complaint_what_happened":"my name is XXXX XXXX , I reached out to Wells FargoGood Morning this XXXX XXXX sending my written statement request for the 10 th time inquiring about my case XXXX in regards to the mishandling of my bank funds and in regards to the numerous complaints and concerns I have made in regards to mishandling my two Wells Fargo checking accounts my Wells Fargo everyday checking account ending in XXXX and my Wells Fargo prime checking account ending in XXXX on XX/XX/2022 I requested some assistance with my account not being correct according to my Wells Fargo everyday checking account and my Wells Fargo prime checking account XX/XX/20XXXXXX/XX/XXXXa large sum of my money was missing from both accounts after sending numerous emails with this concern with my XXXX statements confirming the large sums of money being missed I also addressed this big concern with my local Wells Fargo branch and spoke with the branch manager XXXX XXXX  who also observed the missing money the branch manager went through each transaction that was on each one of my bank statements and the large sums of money was still missing the Wells Fargo branch manager advised me to submit claims so that Wells Fargo can show accountability for the missing money assuming that that once recognized by Wells Fargo claims Dept the funds would be replaced because Wells Fargo has to honor there bank statements once I did what my Wells Fargo local branch manager advised  and after I had in writing requesting accountability for my missing money from Wells Fargo based on my Wells Fargo bank statements I received five different explanations none corresponding with the bank statements or transaction history three of these written responses sent via secure email all fasted on the same date XX/XX/202230 days after my numerous request taking the assigned Wells Fargo executive office case specialist by the name of XXXX XXXX there was no last name no contact email for her or phone number which is supposed to be my Wells Fargo executive office case specialist from the Wells Fargo executive enterprise complaints management office took not even 10 mins to research and investigate my major concerns the letters were dated XX/XX/2022 time was from XXXX XXXX  until XXXX XXXX after hours not even ten minutes like this large sum of money that I received from a settlement was missing causing me to get evicted from my home loose my vehicles get my power lights cut off water cut off forcing me and my children and grandchildren to stay at a homeless shelter until a friend of mine let us stay with him until I get this worked out plans on me purchasing my first home erased no money for healthcare no money for my XXXX XXXX XXXX  my XXXX XXXX XXXX is heritary ranging from bottom number XXXX  top number XXXX  without my medication which I am in two XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX my family is pitching in to purchase this medication I cant get any government assistance because according to my Wells Fargo checking accounts I have a lot of money in these accounts I cannot prove to these agencies that I dont have these funds because Wells Fargo bank statements is soiled I cannot trump bank statements leaving me at the mercy of Wells Fargo so the mercy I get is flagged as fraud and suspicious debit cards deactivated and online banking blocked this happened when I started inquiring about my missing money and submitting claims which would force an investigation to see where this missing money is at this present time lost and prevention fraud Dept has a block on both my Wells Fargo checking account my Wells Fargo checking everyday account and my Wells Fargo checking prime account since XX/XX/2022I had no means of making any Wells Fargo transactions my accounts were blocked online banking blocked debit cards deactivated and block I was in shocked I never received a letter email phone call from Wells Fargo fraud department lost and prevention advising me of this action o have asked still no explanation I have a clean criminal record I have a security clearance from the United States Dept of defense assigning me a cage number yo verify that my small XXXX XXXX  is sba certified and I can bid and perform government contracts I have been approved for a ppp loan and received forgiveness because I did everything I was suppose to with my ppp funds in order for the forgiveness I had to pass the invoice check meaning the small business administration a government agency performed the research to qualify and approve me for the forgiveness on XX/XX/2022 through XX/XX/2022 I was approved by Wells Fargo claim department after there investigation and successfully was approved for my claims that is the only record I have on file with Wells Fargo no suspicious actions no fraudulent actions my Wells Fargo everyday checking account states that on the date of XX/XX/2022 and XX/XX/2022 returned payments were sent back to the account by the merchant XXXX  also known as XXXX XXXX XXXX well I reached out to Wells Fargo no only requesting but paying for five stop payments for XXXX XXXX XXXX do yo unauthorized payments these stop payment request were made on XX/XX/2022 throughXX/XX/2022 two days before the unauthorized transactions were successfully made I advised Wells Fargo not to pay this merchant because I did authorize any current payments or future payments I did this on XX/XX/2022 Wells Fargo continued to pay this merchant unauthorized payments through the month of XXXX XXXX and XX/XX/2022 in the sum of XXXX  I have attached the proof of the stop stop payment request paying this merchant after Wells Fargo approved two claims for me on behalf of this merchant due to unauthorized transaction that is crazy however after I started requesting investigation of my missing money Wells Fargo denied a claim on XX/XX/2022 for this merchant stating they did not think the transaction was unauthorized well how do Wells Fargo explain approving the same claim a month earlier for the same merchant for the same reason unauthorized transaction how can you approve and then deny same merchant same reason with five stop payment request on file 30 days before this transactions were requesting Wells Fargo not to pay this merchant I did everything right I submitted these stop payment requests 30 days before these transactions Wells Fargo still keep paying the payments didnt stop not even after I closed the account withXX/XX/XXXXXXXX XXXX XXXX and removed all banking information it didnt stop until the block was put on both of my Wells Fargo checking accounts everyday checking account and prime checking account this is my final request i XXXX XXXX am requesting in writing the reason why my accounts are handled by Wells Fargo fraud lost and prevention Dept the large amount of claims I submitted was on behalf of my money not Wells Fargo this was not a Wells Fargo credit card or I had a negative bank account these claims were on behalf of my money that was deposited into both of my Wells Fargo checking accounts everyday checking account and prime checking account and I want in writing the answer to where is the rest of my money I had large sums of funds deposited into both of my Wells Fargo checking accounts everyday checking account and prime checking account I have received numerous different explanations from the Wells Fargo executive office the case specialist XXXX XXXX  spent not even 10 mins on my case at XXXX XXXX  is that what Wells Fargo thinks of there customers especially customers that accounts are over XXXX dollars this is the treatment I get for trusting Wells Fargo with my settlement money..and then what makes it worse iam being treated like a criminal for no reason because I want Wells Fargo to take accountability for my money last I checked that what a bank financial institution does I had know idea that Wells Fargo did this to there members after this incident happened to me I found out that Wells Fargo has numerous class action law suits from there members and Wells Fargo publically admitted that they stole over XXXX XXXX dollars from there members lord if I knew this I would have never trusted Wells Fargo with one cent of my money I cant believe that Wells Fargo bank is still running if any other companies did these actions criminal charges would be brought up Wells Fargo operates like a XXXX skems  if iam spelling it right rather I get a written response from Wells Fargo iam reporting Wells Fargo s actions toward me to the federal trade commission and any other government agency I can report this act of crime Wells Fargo stole my money if I can I would press criminal charges against Wells Fargo I XXXX sure am going to try I compared Wells Fargo to XXXX skeam  because once the skeam is made aware of then the company cuts all ties with the person or company stop communication and disappears well sounds exactly what Wells Fargo done to me I havent received any more bank statements since my XXXX  bank statement the Wells Fargo customer service reps no longer have access to my XXXX XXXX bank statements nor my XX/XX/2022 bank statements which should not be any on the fact that as of XX/XX/2022 both bank accounts were blocked all debit cards were deactivated online banking was blocked so I had know why to make transactions if I wanted to like I said Wells Fargo needs to be in prison like any other conspiracy company the ceo of Wells Fargo who continue to steal money and not hold accountability for Wells Fargos members but have no problem paying for cheap labor in the XXXX  with employees not from the United States and have no clue of the United States laws and the United States of America federal trade commission policy and guidelines the protection that the United States of America provides for there citizens meaning they will tolerate a major financial corporation taking advantage of a hard working American citizen like me this money was for my tuition for XXXX XXXX iam sch to take the LSAT XX/XX/2022 I have been devastated to know that my life long dream of becoming an XXXX my never come true if I do not have the money for spring semester all my efforts and hard work to go back to XXXX as a drop out receiving first my high school diploma then going to XXXX XXXX XXXX XXXX as a pXXXX XXXX XXXX holding a XXXX of XXXX  doing this as a single mother with XXXX XXXXhildren having them all before my 21st birthday showing everyone that I can do anything and because I was teen mom didnt stop nothing showing my children that they were not a mistake but my motivation and then getting accepted to XXXX XXXX doing all this as a young XXXX XXXX female just giving Wells Fargo my background the same person that Wells Fargo currently flagged with there fraud department lost and prevention sorry to bust your bubble but this one is not a criminal or a scammer so for the final and last time i XXXX XXXX on this date XX/XX/2022 is requesting from Wells Fargo executive office and my Wells Fargo executive case specialist XXXX XXXX to please provide me in writing where my XXXX  dollars went to from my Wells Fargo everyday checking account and my XXXX in my Wells Fargo prime checking account my XXXX wire transfer done on XX/XX/2022by my attorneys bank XXXX XXXX XXXX and where is my XXXX dollars that was put into my prime checking Wells Fargo account on XX/XX/2022 all this is proven and documented on my Wells Fargo checking account statements for the month ofXX/XX/2022for the everyday checking account and the prime checking account this money is all shown on the bank statements once again XXXX XXXX on is date XX/XX/2022 time XXXX not XXXX  the reference number for my stop payment request made by me XXXX XXXX for merchant XXXX car card XXXX XXXX XXXX which is a credit card company transaction date XX/XX/2022 stop payment request reference number for this merchant is XXXX ref# second stop payment request for this merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX if you notice on my statements the transaction stated XXXX retry payment meaning they keep retrying for this unauthorized payment and without my permission Wells Fargo paid this merchant after my XXXX XXXX  paid XXXX dollars for 5 stop payment request due to unauthorized transactions I have attached my last bank statements screen shot of the stop payment request confirmation emails I also screenshot the transactions iam questioning about and demanding Wells Fargo bank to take accountability financially for there bank statements iam requesting that Wells Fargo bank honor there bank statements these are Wells Fargo bank statements by Wells Fargo Bank not acknowledging there bank statements sent to me through email also attached to my Wells Fargo online banking and also mailed to me as well as sent to my email via secure email by my login which Wells Fargo bank has deleted all communication to me from them via secure email however I saved every last one of them why would Wells Fargo delete all communication electronically to me why that is what criminals do and that is a action of guilt covering up any documented proof like a thief I have also attached the United States federal trade commission government agency so one of their officers can see one of my many written request after this email is sent iam reaching out to the federal trade commission and turning all of my saved documents proving my complaint and concerns asking them for assistance in getting my money back from Wells Fargo Bank next you guys will have to answer to one of them this has to stop Wells Fargo bank needs to be shut down and the ceo put in federal prison for robbing his or her own banks without a XXXX this is nothing but the actions of a common thief unlike Wells Fargo defamation of my name by flagging my checking accounts as fraud and suspicious without reason I have the proof to show that Wells Fargo stole my money starting with there own bank statements I would have reached out to my assigned Wells Fargo executive case specialist XXXX XXXX  but she never left and forms or methods for me to communicate with her other then this email and this XXXX XXXX XXXX number and if she would have took longer then 6 mins at XXXX she could have investigated this properly my contact number is XXXX XXXX XXXX  on XXXX  the XXXX XXXX XXXX XXXX from the Wells Fargo executive office sent me these messages and only my Wells Fargo prime checking acc XXXX  XXXX XXXX bank statement she altered the XXXX prime bank statement it has the same transactions as the XXXX  prime checking acc statement , and yet to send me my Wells Fargo everyday checking acc XX/XX/2022bank statement I have attached proof of the altered documents that is criminal , I want to know where is all of my deposit money in these acts prime and everyday Wells Fargo accts , and why are they holding my money and performing criminal acts to hide the fact that they stole my money , why was I flagged after I submitted claims to investigate or track my funds that was deposited into these Wells Fargo accts, why have I had four case specialists and know one has answered these questions and why are they changing my statements , by using previous transactions from previous statements , why isXX/XX/2022 transactions from the prime checking acc on the prime checking acc XX/XX/2022 bank statements what Wells Fargo is doing is criminal if any other citizen committed these cats they would be in jail why have you only sent my Wells Fargo everyday checking acc XXXX  statement XXXX and Wells Fargo prime XXXX XXXX  statement and Wells Fargo prime XXXX  XXXX statement and XXXX XXXX bank statements for the prime and everyday but you refuse to send me Wells Fargo everyday XXXX XXXXXXXX statements why are you blaming XXXX XXXX I ahve also attached XXXX XXXX  XXXX and XXXX  and XXXX  statements for XXXX transaction on prime XXXXXXXX XXXX statement XXXX XXXXh  transaction date XX/XX/22 is also on XX/XX/XXXX XXXX prime statement date XX/XX/2022 I want all transactions looked over from a federal trade commission officer on these statements please I do not trust Wells Fargo and I want criminal charges brought against XXXX XXXX  for performing illegal acts another question wells fargo fraud team deactivated and took control of these accts on XX/XX/XXXX blocking all access from me to make any and all kinds of transaction when I went into the branch on XX/XX/2022 the branch manager had to call the fraud dept in order to do anything so how could I have completed any transactions fraud dept is still over these accts I had to close acc dates , please provide proof of  XXXX atm transactions , how can I do online transfers without having access to online banking , and where are all of the online transfers dated from XX/XX/2022 through XX/XX/2022 from prime checking acc to everyday acc where is the only , you refuse to send me everyday checking acct statement forXX/XX/2022  and once again why did Wells Fargo case rep XXXX  alter bank statements and put duplicate transaction onXX/XX/2022prime checking acct bank statement  why , why was this done in XX/XX/2022 why did it take until XX/XX/2022 fro me to receive aug prime checking acct bank statements for XX/XX/2022 why was XX/XX/2022bak statements for prime and everyday checking acct sent to me before XX/XX/2022 bank statements and why do Wells Fargo customer service do have access to XX/XX/2022and XX/XX/2022 prime and everyday checking acc statements , why are you guys holding refunds sent from XXXX XXXX  and XXXX XXXX in closed acts why , why are you covering up the fact that you mishandled my money that was deposited by my atty by flagging me as fraud and suspicious what this reasoning all claims were for money I deposited into these Wells Fargo acts these was not a credit line or funds on a neg balance , all claims were in regards to my money and why was all claims submitted on XX/XX/2022 resolved on XX/XX/2022which was a weekend without proper investigation why did I receive three different letters about the resolution I have attached pictures of those letters and why was I charged over draft fees for an act that I had know access to use debit cards because you deactivated the debit cards and why did you continue to pay the merchant unauthorized funds merchant XXXXXXXX XXXX XXXX XXXX in the total amount of XX/XX/XXXX dollars after I submitted and paid for five stop payments processed on XX/XX/2022 through XX/XX/102022 and still paid this merchant all the way up toXX/XX/2022after approving two claims on my behalf for unauthorized transaction and then denied a claim after I was asking about missing funds , you guys denied a claim for XXXXXXXX XXXX this merchant for the same reason unauthorized transaction after having five stop payments on file for this merchant and two approved claims yet still you paid this merchant XXXX XXXXhree weeks after knowing this information that five stop payments and two approved claims supporting that any request funds from this merchant is unauthorized why did you pay them , and then deny my claim , you had know reason to pay this merchant which five stop payments on file and two approved claims for unauthorized transaction three weeks prior to you paying this merchant XXXX  the largest amount you have ever paid them this supports that fact that you do not investigate claims you make a descion with out merit , I have attached proof of that , reference number for the first stop payment request for XXXX XXXX XXXXXXXX XXXX  date XX/XX/2022 XXXX  I have also attached proof for that as well as the statement showing XX/XX/2022through XX/XX/2022 showing the stop payments charge on XX/XX/2022 everyday checking acct statement with these transactions it also shows XXXX retry payment proving authorized payments don't keep retrying for payments , I have also submitted proof that the first case specialist XXXX resolved my complaint in one day less then 10 mins , taking her every bit of 6 mins at XXXX to investigate and resolve my missing money problem","date_sent_to_company":"2022-10-19T19:13:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"270XX","tags":null,"has_narrative":true,"complaint_id":"6105428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-10-19T17:27:08.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["and suspicious what this reasoning all claims were for money I deposited into these Wells Fargo acts these was not a credit line or funds on a neg balance , all claims were in regards to my money and why was all claims submitted on XX/XX/2022 resolved on XX/XX/2022which was a weekend without proper investigation why did I receive three different <em>letters</em> about the resolution I have <em>attached</em> pictures of those <em>letters</em> and why was I charged over draft fees for an act that I had know access to use debit"]},"sort":[8.911581,"6105428"]},{"_index":"complaint-public-v1","_id":"6857239","_score":8.709311,"_source":{"product":"Checking or savings account","complaint_what_happened":"Last summer we were victims of significant cyber theft because someone ( or some group ) accessed or electronically stole one of our ATM debits cards. They went on an ~ {$27000.00} spending spree over a 2 month + period. \n\nWe discovered the theft in early XXXX, reported it to our financial institution, Wells Fargo ( WF ) immediately, and the local police in our hometown. I spent 6 hours on the telephone on a Saturday with the WF fraud claim group in the XXXX. \n\nSince filing my claim on XX/XX/XXXX, we have yet to receive a phone call from anyone from WF. I received four e-mails stating back in XXXX that the bank was working on our claim. Weve made at least a dozen phone calls since and each time we get routed to the same XXXX fraud desk. Only on XX/XX/XXXX of XXXX, did WF finally assign us a case worker with the title, Executive Office Case Worker. This person only has a first name ( male ) and last initial. The telephone extension given in his letter to me is not a working extension when I call it. My Case Specialist explained through a letter that they can do \" no more '' on our behalf. The last phone call we had with a person in early XXXX, was a representative in the XXXX. He nearly had me repeat the entire history of our claim again. This rep mentioned that the institution had three months to act on our claim from XX/XX/XXXX and was legally obligated ( agents words ) to be complete by XX/XX/XXXX. \n\nThe fact that no one returned our multiple calls or responded to written letters, e-mails, and a spreadsheet that demonstrates all of the fraudulent purchases made with our ATM card, originally lead me to wonder if the perpetrator ( s ) was actually and employee of our bank. I sent a letter to the banks lead counsel expressing this hunch concern. She has yet to respond. \n\nMany of the fraudulent purchases that were made were random. Some of the stores dont even exist as far as we could tell. There are bogus insurance policies, vacation stays, fitness club memberships, ballcaps, t-shirts, endless on-line purchases, cable bills, and so on. Other than one very large on-line store, weve never used any of these services, shopped at any of these ( bogus ) stores or used vacation services, etc. Some of the stores were located outside the US ( XXXX ) and purchases were made while we were on vacation. \n\nThe pattern recognition software that WF normally deploys should have recognized this and at least sent up a warning flag to contact us like it had so many times in the past. Where was WF 's security? Their fraud department used to call if they recognized an inconsistent spending pattern. For example, one year, WF alerted us and asked if we were about to pay for an expensive dinner in XXXX. That theft attempt was thwarted because of fraud protection software. There are other examples too. Why didnt they at least call us about the XXXX charges over two months and the ~ $ XXXX of purchases? Does the security software no longer operate? If anyone or any machine was looking at our account, it would easily recognize by just reviewing our monthly statements that something was wrong. The precedent our bank set years earlier within their fraud protection led us to think that it would at least provide the same service. \n\nOn XX/XX/XXXX, WF repaid approximately half of our claim by depositing ~ {$14000.00} into our account. Although we appreciate the gesture, its still a long way from resolving our total claim of ~ {$27000.00}. \n\nI asked our bank multiple times to see a list of which charges it reversed so we could compare it to the fraudulent purchases on our bank statements and organized in the spreadsheet we attached. The Executive Desk said they will not release that information and that they believe they have done all they can. They mentioned that they have a 60 day policy that essentially states that they will only go back 60 days from the date of claim, XX/XX/XXXX. I mentioned that if this were correct, then it would capture more than 95 % of all the fraud charges we stipulated from XXXX XXXX XX/XX/XXXX. The bank still says they will not release the records they used to determine why theyd only repair ~ {$14000.00} and not the total ~ {$27000.00}. \n\nPlease help.","date_sent_to_company":"2023-04-18T17:03:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"6857239","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-04-18T16:00:43.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["My Case <em>Specialist</em> explained through a letter that they can do \" no more '' on our behalf. The last phone call we had with a person in early XXXX, was a representative in the XXXX. He nearly had me repeat the entire history of our claim again. This rep mentioned that the institution had three months to act on our claim from XX/XX/XXXX and was legally obligated ( agents words ) to be complete by XX/XX/XXXX."]},"sort":[8.709311,"6857239"]},{"_index":"complaint-public-v1","_id":"4104020","_score":8.642803,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am lodging this complaint in the interest of elder protection from fraud on behalf of my XXXX year old neighbor. In XXXX she was lured into a vicious scam which resulted in her being tricked into purchasing gift cards with her Chase visa card at grocery stores where she never shops, and in amounts wildly outside her typical spending pattern. She was never contacted by Chase to investigate the highly suspicious activity which we believe best practices would oblige - particularly in the case of elderly clients. \nThe incident happened this past XXXX and we have been in weekly contact with Chase Bank being passed from one customer service rep to the next in our quest for some relief from this debt. \n\nHere is her statement regarding details of the fraud/scam.. \nXX/XX/XXXX ( afternoon ) - My XXXX computer became frozen and nonfunctional with a repeating circle on the screen. After trying several ways to bypass the circle, I was contacted almost immediately by an \" XXXX Technician '' who said they would help me get my computer running again. Since the computer is now my lifeline to the outside world, I was relieved for this \" help '' and proceeded to follow their instructions. I was told in order to initiate the changes they needed to make I would need to purchase gift cards at a nearby grocery store and give them the numbers in order to validate / implement a new security for my computer. In such a vulnerable state, I complied with their instructions. \n\nXX/XX/XXXX When they contacted me on the XXXX, they told me they would be depositing {$15000.00} into my bank account so that I could wire {$15000.00} to an outside account, and showed me a screen with my banking information which made me suspicious. I refused, and I immediately went to see my neighbor, ( BF ) to help me sort through what was happening. \n\nAfter sharing with my neighbor the events of the previous day and this morning, we both determined it was a total scam and we called Chase Fraud Department to alert them not to accept any of the charges. We spoke with XXXX at XXXX and let her know that all of the charges at XXXX and XXXX were fraudulent and to reject all of them. Further, the charges are so far from any of my spending patterns, we assumed this sudden and drastic change in my spending patterns would be clearly picked up as fraud. XXXX informed us that some charges had been declined, and some were approved but they were pending. We instructed her to decline all of the pending \" approved '' charges. She initially told us that they would need to wait for the pending charges to be processed and then dispute them, but we strongly disagreed and asked that she stop them immediately. XXXX then informed us that I would not be liable for the charges. I was so relieved. Following are the charges XXXX showed were pending and declined. \nXX/XX/XXXX XXXX {$500.00} Approved ( pending ) XXXX {$500.00} Approved ( pending ) XXXX {$500.00} Approved ( pending ) XXXX {$1000.00} Approved ( pending ) QFC {$1000.00} Approved ( pending ) XXXX {$1000.00} Declined XX/XX/XXXX XXXX {$1000.00} Approved ( pending ) XXXX {$1000.00} Approved ( pending ) XXXX {$2000.00} Approved ( pending ) XXXX {$2000.00} Declined XXXX {$1000.00} Declined XXXX {$500.00} Declined After receiving XXXX 's confirmation that I would not be liable for the charges, I went to Chase bank to close my account and set up an appointment with XXXX to work with an authentic technician. \n\nXX/XX/XXXX The XXXX technician determined my computer had been \" hacked '' and applied the appropriate fixes. With my bank account closed, XXXX 's assurance that I would not be liable for the pending fraudulent charges, and my computer fixed, I was looking forward to putting my life back together. \n\nXX/XX/XXXX I checked my Chase account online and saw that {$4500.00} of the fraudulent charges had been posted to my account! I went to see my neighbor, BF, immediately and we called Chase Fraud Department again and spoke with \" XXXX '' this time. XXXX passed us to \" XXXX '' in your Dispute center who said that since I purchased the gift cards they could not honor a dispute. This was very frustrating since we caught it and alerted Chase ( XXXX in your Fraud Department ) while the charges were still PENDING. We asked to speak with a manager and we were passed to \" XXXX '' in your Recovery Department. We share the whole story with her and she said that the matter would be escalated and we would be contacted within 24 hours. \n\nXX/XX/XXXX I received the attached letters from XXXX XXXX XXXX and XXXX ( 2 organizations to which I donate annually ) confirming that there had been a breach of their security systems which indeed explains how the \" criminals '' by whom I was victimized were able to access my computer and drag me into their elaborate scam operation. I attach these documents as proof of this fraud. \n\nXX/XX/XXXX Since we did not hear back from XXXX or anyone, we called again today, and spoke this time with \" XXXX '' Specialist in your Recovery Department who asked me to send the attached documents. \n\nAs mentioned, I am requesting that all the fraudulent charges be removed from my account for the following reasons : 1. I contacted your Fraud Department while the charges were still pending to alert them to reject the charges, and understood that I would not be liable for the charges. \n2. I was clearly the victim of a sophisticated scam operation as evidenced by the history described in this email and the supporting attached documents.\n\n3. I have been a loyal Chase customer for 33 years ( bank and visa accounts ), am an XXXX XXXX XXXX retired XXXX XXXX on fixed income with no family in the area and am asking for your special consideration during this difficult time. \n\nAfter weekly follow ups with the Fraud Department at Chase, in XXXX we were passed to the corporate offices in Ohio. Following is the letter we sent on XX/XX/XXXX. \n\nXX/XX/XXXX To whom it may concern : I am sending this request for re-evaluation of my case # XXXX as recommended by XXXX XXXX, Supervisor of Fraud Operations at Chase. \n\nI am an XXXX XXXX retired XXXX  XXXX  on a fixed income, with no family in the area. I have been victimized by an elaborate credit card scam. This has left me feeling very unsafe and vulnerable during times of great uncertainty in the world. I have been a loyal Chase customer for 33 years, paying my bills punctually each month. I am asking that you please consider the extenuating circumstances related to what has transpired, and remove the fraudulent charges from my account. \n\nTo summarize : Unbeknownst to me, in early XXXX XXXX, a large software company that manages data for non-profit organizations of several charities to which I donate regularly, had a breach of their security systems. Unfortunately, I was not alerted of this breach until XX/XX/XXXX of this year. \n\nThe scam by which I was victimized began on XX/XX/XXXX. My XXXX computer became frozen and nonfunctional with a repeating circle on the screen which I was unable to bypass. I became greatly alarmed since the computer has become my lifeline to the outside world as we all struggle with the effects of COVID and stay at home isolation. Within 24 hours I was contacted by an XXXX Technician who offered to help get my computer running again. What relief I felt! I was told in order initiate the appropriate fixes, I would need to purchase gift cards and give them the numbers in order to implement a new security for my computer. In such a vulnerable state, I complied with their instructions and purchased several thousand dollars worth of gift cards using my Chase Visa. These were extraordinary purchases for me ; I have never made similarly large purchases on any of my Chase accounts. \n\nWhen the scammers contacted me the next day to continue the ruse, I became suspicious. I went to see my neighbor, XXXX XXXX, who helped me sort through what was happening. Together we determined this was a fraud and called the Chase Fraud Department immediately to instruct them to DENY the charges. We spoke with XXXX who said several charges had been denied but a number of them were PENDING. We strongly instructed her to STOP all the charges. At first XXXX said we could let those charges go through and protest them later, but we insisted that they should be stopped. XXXX finally informed us that I would not be liable for the charges and they were removed from my account. This was a huge comfort. \n\nI then went to my local Chase bank to close my account, freeze the credit card account. I also set up an appointment with an authentic XXXX technician who determined that my computer had indeed been hacked and applied the appropriate fixes. In reliance on what I was told, I took no further action. I was looking forward to a new chapter in my life and a return to some stability. In XXXX, however, {$4500.00} of the charges which XXXX had removed in XXXX reappeared. I was stunned and dismayed. XXXX and I then began over two months of communicating with various specialists in the Chase Fraud Department system. The final instruction we received from Mr. XXXX was to contact your executive offices for further consideration. \n\nThis whole affair has left me feeling quite defenseless during a chaotic time. I am kindly requesting that consideration of my plight be elevated to the highest possible level, and the extenuating circumstances which I have outlined be included in your review. \n\nWith your help, I am looking forward to a positive outcome to this very dark episode in my life. Thank you so much for considering my request. \n\nFrom late XXXX through XX/XX/XXXX we followed up weekly by phone with the corporate offices of Chase in Ohio speaking first with \" XXXX '' who passed us to XXXX XXXX. On XX/XX/XXXX Ms. XXXX passed us on to discuss the incident with XXXX XXXX. The final result yielded absolutely no relief for Chase 's long standing customer in this horrible predicament.","date_sent_to_company":"2021-01-29T23:26:51.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"98109","tags":"Older American","has_narrative":true,"complaint_id":"4104020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-01-29T21:47:27.000Z","state":"WA","company_public_response":null,"sub_issue":"Add-on products and services"},"highlight":{"complaint_what_happened":["XX/XX/XXXX I received the <em>attached</em> <em>letters</em> from XXXX XXXX XXXX and XXXX ( 2 organizations to which I donate annually ) confirming that there had been a breach of their security systems which indeed explains how the \" criminals '' by whom I was victimized were able to access my computer and drag me into their elaborate scam operation. I <em>attach</em> these documents as proof of this <em>fraud</em>."]},"sort":[8.642803,"4104020"]},{"_index":"complaint-public-v1","_id":"13001628","_score":8.307334,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The basis of my complaint is that even after many months, hours of calls, text chats and a letter, and speaking to a Transunion supervisor, Transunion refuses to remove a fraudulent hard credit inquiry from XX/XX/XXXX. I have all documentation of emails, letters, screenshots to back up my complaint. \n\nI received an email that day from XXXX congratulating me for getting approved for a credit card ( attached ). I did not apply. I immediately contacted XXXX and after XXXX minutes of answering questions, I filed the fraud report. I was told by the XXXX fraud specialist that this was not my responsibility and that I would receive in the mail confirmation of this. On XX/XX/XXXX I called Experian, Equifax and TransUnion and filed the disputes. After a few weeks, I was informed via mail by XXXX stating that myself was not responsible for the inquiry or account and they sent the same letter to XXXX XXXX and TransUnion. \nThe credit card arrived at my house and I was told to dispose of it, which I did. Obviously TransUnion does nothing with these letters. \n\nOn XX/XX/XXXX I saw the inquiry was still showing on my XXXX XXXX account. I contacted XXXX XXXX on XX/XX/XXXX XXXX XXXX : XXXX XXXX  ( email complaint documented ) and was told that only TransUnion was reporting that hard inquiry, which is negatively impacting my credit score. \nXXXX XXXX let me know how to file a dispute with TransUnion. So I logged into TransUnion and found out I can not dispute anything online. I needed to call them. So I did. After getting the right person on the phone, I was told I needed to file the dispute via US Mail with a letter stating what happened and to include a copy of the letter from XXXX. I had to call XXXX and was transferred several times until I got someone on the phone that would mail another copy of the original letter sent to me in late XXXX. In late XX/XX/XXXX I received another letter from XXXX dated XX/XX/XXXX saying again that I was not responsible for this account. \n\nOn XX/XX/XXXX I mailed off my letter to TransUnion and a copy of the XXXX letter requesting TransUnion to remove the hard credit inquiry, as per their specific instructions. \nOn XX/XX/XXXX I called TransUnion again because I saw on their website that the inquiry was still there. It took me an hour to get to a Manager. It took her several minutes to look up my account and then they finally found my XX/XX/XXXX letter I sent to them. So, I demanded that they remove the inquiry and she denied my request. She told me that now they would send a request to XXXX to get permission from them to remove the inquiry. I was XXXX. So, I asked \" Then what? '' What are the next steps. '' I was not given a clear answer. So I stated \" Am I supposed to just log into TransUnion daily to see if it has been removed? '' She said yes. I requested a copy of TransUnion 's request to JPMCB so I can confirm they did send it. She refused. We went back and forth for some time. I also chatted via XXXX. \n\nI looked up on my TransUnion account on Thursday XX/XX/XXXX and saw it was still on my credit report. I contacted TransUnion via chat and was given no help. I demanded that it be removed by the end of day or I would seek legal counsel. I requested a copy of all of the other chats over the last several months. but was told I could only get this one. I was also advised to file a complaint with the FTC. When I log onto TransUnion 's website, it shows I have no outstanding disputes! \n\nOn XX/XX/XXXX I texted them for an update. Now they want another letter from me to give them permission to contact XXXX XXXXXXXX XXXX! Also, since I contacted them on XX/XX/XXXX, my XXXX day clock to resolve starts over from the previous one. They received my XX/XX/XXXX letter on the XXXX. So that XXXX days expired and thats why I contacted them XX/XX/XXXX. This company has no business being a credit bureau! Today is XX/XX/XXXX and the false XXXX hard inquiry still shows ONLY on my TransUnion credit report! At no time has TransUnion contacted me via mail or phone. TransUnion is a complete failure in training of their agents, management and refuses to mondernize processes.","date_sent_to_company":"2025-04-15T21:26:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"981XX","tags":null,"has_narrative":true,"complaint_id":"13001628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-15T20:39:59.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have all documentation of emails, <em>letters</em>, screenshots to back up my complaint. \n\nI received an email that day from XXXX congratulating me for getting approved for a credit card ( <em>attached</em> ). I did not apply. I immediately contacted XXXX and after XXXX minutes of answering questions, I filed the <em>fraud</em> report. 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