{"took":56,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2660979","_score":26.702986,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Equifax Hack website does not always work, so some are unable to determine if they have been impacted. Also they can not enroll for the TrustedID protection being provided courtesy of Equifax.\nDETAILS : Today ( XX/XX/XXXX ) the local paper reported that Equifax had been Hacked onXX/XX/XXXX\nEquifax has provided a website and XXXX number for consumers to verify if they have been affected by the Hack.\nWhen you go to https : //www.equifaxsecurity2017.com/, you are instructed to first select the button \" Potential Impact ''. That takes you to a page the asks you to enter your last name and part of your SSN.\n-- I entered my last name and the site put a green check mark next to the field to acknowledge the data had been entered.\n-- I entered the last 6 digits of my SSN and received another green check mark.\n-- I pressed the \" Continue '' button, and nothing happened. After trying this several times, I checked with a tech ( personal friend ) who used a web developer 's tool to determine what was happening in the background.\nThe site wo n't work if you are using some tracking blockers ... And it has not been coded to allow tracking blocking. -- - a VERY odd concept for a company that is responsible for safeguarding your personal information ( and which has failed to do that anyway ) I called the XXXX number, received the standard \" ... your call is very important to us, please hold for the next available customer service representative ... ''. After 15 minutes of dead silence, the line disconnected.\nI called the number a second time, received same standard recorded greeting. After 15 minutes of music on hold, the line disconnected.\nI called the number a third time, same greeting, etc ... After about 7 minutes of music, someone answered the call. I explained that the website was not working, and that I wanted to verify if I was impacted. He spoke very broken English and did not understand what I was saying. Then he said he would let someone know and they might want to call be back in about 3 business days.\nWe kept getting stuck on the discussion about the broken website, even though I started saying maybe it was just me ... and could he help me with checking if I was impacted by the Hack.\nThis conversation never went smoothly because his English was not good enough for him to fully understand what I was saying or to expand on what he meant. I asked for a supervisor and he hung up on me.\nI have tried every Equifax site I can find for customer contact info so I can send an email to let them know there is a problem with the Hack site, but any time you select 'contact us ', the site fails to link. I have tried all of the Equifax phone numbers I can find listed, but everything either goes to music or disconnects immediately.\nI suspected you could get help if you log in to the Equifax member site, but you have to buy a product to get access to that.\nI called the number that actives a 90 day fraud alert. It is automated and successfully allowed me to set it up. Equifax would still not recognize me as a customer ( fraud alert is free ), and redirected me to their product page so I could select my product ( buy something ).\nI called the number that enables a credit freeze, but did not enter some information to see if it would transfer me to a person. It did transfer me to customer service, then disconnected. Tried that twice. The third time I input all the information needed and paid the {$5.00} change, but Equifax STILL would not recognize me as a customer and again sent me back to their product sales page.\nYou have to buy an ongoing credit monitoring package in order to be able to log into the Equifax site to get customer service help.\nBOTTOM LINE : If you use tracking blocker security on your browser, Equifax is not coded to work for you. The issue arises because Equifax redirects to some XXXX owned and monitored sites ( completely out of Equifax control ), and those sites want to track everything you do. XXXX has been reported to even track your physical location.\nAny business redirecting to another business 's site, has to code to allow their ( Equifax 's ) data to display on the screen. The second business ( XXXX ) will withhold the response since you are blocking their tracking.\nApparently, the use of XXXX sub-routines is considered a shortcut for web developers, and is a common practice. Coding to allow their users to block XXXX tracking, and still be able to use the developer 's site, is also apparently a common situation for web developers.\nAlthough ... I have a serious concern with Equifax redirecting other sites, which it does not directly secure, in their processes ... and especially after 143 million people have been put at risk.\nCan you contact Equifax and let them know there is an issue with their site? I do n't run into this problem with other sites that redirect in the background to various XXXX functions.","date_sent_to_company":"2017-09-08T17:03:11.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"44224","tags":null,"has_narrative":true,"complaint_id":"2660979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T15:59:22.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have tried every Equifax site I can find for customer contact info so I can send an email to let them know there is a problem with the Hack site, but any time you select 'contact us ', the site fails to link. I have tried all of the Equifax phone numbers I can find listed, but everything either goes to music or disconnects immediately.\nI suspected you could get help if you log in to the Equifax member site, but you have to buy a product to get access to that."]},"sort":[26.702986,"2660979"]},{"_index":"complaint-public-v1","_id":"13072673","_score":14.160418,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XXXX of XXXX XXXX I went to review my account and there were transactions not made by us. \nI called in and the agent went through and totaled about XXXX in payments made from XXXX to XX/XX/XXXX. \nThe craziest part was these charges were made by a card that should have closed in XX/XX/XXXX our account was hacked, and closed immediately/ cards closed and then they opened this new account. I was sent a new card but apparently my husbands card from breached account and since I managed the budget didnt realize he still had old card. When my daughter and I traveled for several weeks he had to use a card and although he was supposed to use our other bank card he had misplaced it and had to use our First Citizens. Ultimately the end result was due to him having possession of a card that was transferred to a new account due to someone getting into and logging in our banking portal. \nI called daily begged for escalations and nothing so after Missing mortgage payments, housing costs and any extra money for essential necessities over the holiday weekend I called back again starting that Tuesday when reopened, and no updates no temporary credits given and I continued to call daily and told I would be contacted. That Thursday I was told my claim was denied because there were similar charges on my account and I would get a letter. Immediately I asked the agent to review account and quite literally she had just not included/ missed charges as it all fell in same time period. If they would have called to confirm this like I requested over and over it would not have been missed or been the reason for denial. The agent said she could refile a new claim that reflected these charges and her total resulted in a loss of XXXX. I requested a call from investigating team some kind of a temporary credits given and any updates and got nothing I called daily for weeks upon weeks wrote emails and nothing. No letter of reasons or denials ever came. After some time I finally received another denial stating we had the card used in possession and I was shocked considering this card should have never been linked over as the scammer/theives literally had access to all of the information regarding our account. This was a nightmare, no one would respond or help me do what I needed to do to get this resolved. I continued to reach out but it was highly unproductive. A couple of months later with no results, we received notice that we were also in 2 major health data breaches that included our payment information bank account number and basically our entire lives. The letter indicated the information from these breaches were also consistent with the start of fraudulent activity. I reported this to bank and sent all the requested information and the fraud department. I heard nothing for months wrote another email and then was told by an agent I needed to file a police report before they could move forward and call in when I had the case number. I called and completed this next day and shortly after a super rude and aggressive lady who told me they werent paying it, it was us that had the card and the end. I had just been told they could do nothing until they had this report, I told her but She listened to nothing helped with nothing since you yourself are not able to file your own claims. Its up to the agent to select the proper transactions. I never saw any of these transactions that she selected and upon all of the chaos the account was closed and I no longer had access to be able to go back in through and check to see what total I got on my own. Since the amounts were so different from a to B its quite possible she added things that shouldve been added in there, but how would I know because they never sent anything. They lied over and over and over again continuously put off and surreptitiously denied claims without contacting us to verify and see if we need to re-file. This is not only took money that we needed it put us behind on everything and then quite literally consumed all of my time dealing with waiting on hold multiple case numbers never being called back asking for the supervisor and supervisor advice not being accurate without a doubt the way this was handled was criminal, but not only the people who stole the money but the people who were supposed to protect my money. When I was finally sent a denial letter for the {$21000.00} in XXXX unlike she said it did not list the transactions. I can not verify what they tabulated nor could I see why it was denied. I have XXXXXXXX XXXX and work a full-time job and this is cost me so much more than just the money I lost. I did not hear about your site until more recently, and I decided that better late than never first citizens allowed my account to be breached not once but twice and literally closed accounts and all sorts of other terrible repercussions for my avid fight for what was ours. This is not debate that we were just speaking with for the first time we had the check account that was closed in XX/XX/XXXX for over 17 years. The last two years of using them as our baking facility, things went bad really fast at first I had put it to the merger with the other bank that they purchased and thinking it was caused by this since I had never had a problem 15 years too I had no idea because they were so eager to shut me down get me out and shut me up. I have fail verse who also have bank accounts there and my mom. Had her account exposed hacked for over XXXX in XXXX. The infrastructure, a place is clearly unstable and security measures are clearly very poor. Somebody needs to do something as we were fortunate to have a family member be able to help us in the end. Save our home from foreclosure others may not have the same luxury and I should never have been treated and talk to the way I did after the amount of years of money that we put in this bank","date_sent_to_company":"2025-05-12T19:24:16.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"28405","tags":null,"has_narrative":true,"complaint_id":"13072673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST CITIZENS BANCSHARES, INC.","date_received":"2025-04-18T11:10:13.000Z","state":"NC","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I have fail verse who also have bank accounts there and my mom. Had her account exposed hacked for over XXXX in XXXX. The infrastructure, a place is clearly unstable and security measures are clearly very poor. Somebody needs to do something as we were fortunate to have a family member be able to help us in the end."]},"sort":[14.160418,"13072673"]},{"_index":"complaint-public-v1","_id":"5155000","_score":10.299098,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To whom it may concern : On XX/XX/2021, approximately $ XXXXworth of cryptocurrency stolen from my account at Kraken. While Kraken ultimately held custody and control of the funds, the exchange did not compensate me for the theft nor provide a sufficient explanation as to how the funds were depleted from my account. \nId opened my account at Kraken on/in XX/XX/2021 and had been adding funds to it on a regular basis. I added Kraken pro to my account on XX/XX/2021 to give me higher funding limits. I also set up a number of security features to ensure that my account could not be easily hacked such as a 2FA, a very strong password and a computer with a dedicated anti-virus software. \nImmediately preceding the incident, I had over {$70000.00} worth of Bitcoin, XXXX, XXXX, Bitcoin Cash, and Ethereum in my Kraken account. \nOn XX/XX/2021, I was locked out of my account. After several days of lock-out, on XX/XX/2021, I was able to access my account and ascertain that my entire portfolio had been converted into Bitcoin and transferred out of Kraken. Between the time of the withdrawals and the time I regained access to my account, Kraken did not notify me of any activity on the account. Prior to this theft, for every trade or withdrawal made, I received an email, but on XX/XX/XXXXor anytime thereafter, I did not receive any emails confirming a withdrawal. \nWhen I notified Kraken that all my funds had been withdrawn by an unauthorized user, Kraken informed that I had been phished and offered the following explanation : 1 ) According to Kraken, I had clicked on a malicious link that appeared as if it were Krakens platform, but was in fact an impostor exchange. ( My response : I am very careful of this and always double check my information ) 2 ) According to Kraken, I clicked on an email that redirected me to a malicious website that was designed to appear like Krakens exchange platform and that someone was able to get into my third party authenticator. ( My response : I never click on any email links or open emails from unknows addresses, instead I go to the company website directly if I know I have an account with the sender and enter through the secured site ) In addition, Kraken informed me that the e-mails were sent to me confirming the trades and cash out, however I never received those emails. I checked my email settings and they were not tampered with or changed in any way. I asked Kraken to resend me the confirmation emails of withdrawal and they never did.\n\nTo the best of my knowledge I was not phished, and I do not know how Kraken determined that I had been phished.\n\nI am very well versed in different phishing schemes due to my employment as I have worked hundreds of cases involving fraud and phishing. I was never solicited to \" go to a Kraken Crypto Exchange site, nor did I go to any site that was not Kraken. Furtherm\nore, I use a computer that is very closely monitored, and I do not surf the web on the computer I use for my cryptocurrency investments. \nAfter the incident, I ran a number of diagnostics on my computer and did not find any malware, viruses, or other suspicious software. I also checked my email settings as stated above, and there were no traces of suspicious activity such as hiding, deleting, or removing information/emails. \nMy third-party authenticator was on my phone, not my computer. I never conducted any trades from my phone, and I use a dedicated computer for investing in cryptocurrencies. \nOn XX/XX/2021, I filed a complaint with IC3.gov. See attached While Kraken claims that I was a victim of a phishing scam, there are several discrepancies in Krakens account of the incident : Kraken claims and wrote that I was sent an email ( s ) that reference that fraudulent transactions. However, I never received these e-mails, and when I requested proof that these e-mails were sent to me, Kraken failed to provide it.\n\nKraken sent the IP Address from which my account was logged into. The IP is a well-known Spam IP Address ( See XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX ). These logins occurred two hours after my own attempts to log in to my account. At this point, I was already locked out of my account. It follows that while I was locked out of my own account, Kraken had somehow allowed the hackers to log in and withdraw my funds. ( My IP home address is XXXX Florida not XXXX XXXX - See Below spam IP address per Kraken ). \nBelow you will find emails between myself and from Kraken. Attached you will find all transaction history for my account with Kraken to include the theft.\n\nI appreciate in advance any assistance you can provide in this matter. \n\n\n\nRespectfully, XXXX XXXX XXXX ( Kraken Support ) XX/XX/2021, XXXX PDT Hello XXXX, Important security alert, read carefully : Our security system has flagged your account and temporarily disabled it for some additional checks. \n\nYou must complete the following steps and reply with the requested response before we can fully unlock your account. \n\nPrior to regaining access to your account, it is critical that you immediately secure your Kraken account password, your email accounts and your devices. The following general steps may assist you with this process : 1. Scan your computer and all devices for malware and keyloggers and take the necessary steps to ensure your devices are malware free.\n\n2. Change your email account passwords. They should be unique, randomly generated and longer than 15 characters. Do not share passwords between services ( e.g. same password used for both your Kraken account and your email account ). Use a password manager such as KeePassXC to generate random passwords and to keep your passwords safe from theft or forgetfulness.\n\n3. **Reset your Kraken account password by navigating to : https : //www.kraken.com/en-us/forgot-password. Please follow the same recommendations outlined in point two.\n\nNote : You will still not be able to sign in after your password is reset.\n\n4. Add ( or change ) the Two-factor Authentication method on your email account and secure the account as indicated in this support article.\n\n5. Remove any unofficial Kraken Apps from your mobile devices as soon as possible. Our official mobile apps, published by XXXX XXXX XXXX, are listed in our Support Center. Other apps claiming to be official Kraken apps are not ours and are likely to be scams.\n\n6. If you have downloaded a fake Kraken or cryptocurrency app to your device, we advise to backup any required data and factory reset the device.\n\nOnce you have secured your Kraken Account password, your email accounts and your devices, copy and paste the following line into a reply to this email : \" I hereby confirm that I have followed the above instructions and secured my **Kraken account password, my email accounts and my devices. '' **if you lost access to the email address associated with your Kraken account ignore this step but proceed to secure your devices and the email address you are currently using.\n\nWe won't be able to offer anything beyond general advice regarding your case until the above steps and security procedures have been completed. \n\nWe look forward to your reply. \nKind regards, XXXX XXXX Client Engagement Keep your Kraken account secure with these tips : Add an Authenticator App or Yubikey for Login : https : //support.kraken.com/hc/en-us/articles/360000426923 Beware of Phishing Scams : https : //support.kraken.com/hc/en-us/articles/115012482687-Beware-of-Phishing-Scams Protect your account using a strong and unique login password that you do not use for anything else. We recommend you change your password regularly. \n\nIf you would like to reply to this message, please reply directly or access the Help Center from https : //support.kraken.com/hc/requests/5390066. \n\n\n\n\nXXXX ( Kraken Support ) XX/XX/2021, XXXX PDT Hello, Thank you for contacting Kraken Support. Your request ( XXXX ) has been received. \nPlease read the following steps carefully and reply to this email once you have completed them. \nWe kindly ask you to perform the following steps : - Attempt to sign into your account from a device and/or IP address which you have previously used. \n- If you have access to your authenticator codes please make sure that the time on your device is set to automatic and that you are using the correct 2FA code for Sign-in ( Kraken Sign-in 2FA ).\n\n-If you no longer have access to the Sign-in 2FA code for your Kraken account, enter a random code into the Sign-in Two-Factor Authentication. ( This attempt will likely be unsuccessful, but will provide us with information needed to assist you further. ) - ONCE YOU HAVE COMPLETED THIS SIGN-IN ATTEMPT, REPLY TO THIS EMAIL TO LET US KNOW XXXX \nWhen we receive your email, further instructions will be emailed directly to the address on your Kraken account. If you have successfully accessed your account, reply to this email to let us know. \nThank you for your cooperation. \nRegards, XXXX XXXX Client Engagement Increase account security with two-factor authentication : https : //support.kraken.com/hc/articles/360000426923 XXXX ( Kraken Support ) XX/XX/2021, XXXX PDT Hello XXXX, Thanks for your patience. \nYour Kraken account has been unlocked, but trading and withdrawals will remain temporarily locked until you complete the following steps. \n\nWe kindly ask you to sign into the account and complete the following : Generate a new Sign-in 2FA using an Authenticator App or XXXX. \nDelete any unfamiliar withdrawal addresses. To delete a withdrawal address : click 'Funding \" > click 'Show all assets ' > select 'Withdraw ' next to a specific cryptocurrency > Select 'Manage ' > click X in the red box to delete the withdrawal address. \nPlease take note of any unfamiliar withdrawal addresses before replying to this email as they may be removed by our system before your account is restored. \nWe highly recommend you delete any API keys on the account and regenerate new ones. \nWe highly recommend removing any Active Sessions or Devices that you do not recognize. Please take note of any unfamiliar IP addresses before removal, as they will not be visible for review later. \n\nOnce you've completed the steps above, let us know in a reply to this email so we will unlock trading and withdrawals on your account. \nKind regards, XXXX XXXX Client Engagement Keep your Kraken account secure with these tips : Add an Authenticator App or Yubikey for Login : https : //support.kraken.com/hc/en-us/articles/360000426923 Beware of Phishing Scams : https : //support.kraken.com/hc/en-us/articles/115012482687-Beware-of-Phishing-Scams Protect your account using a strong and unique login password that you do not use for anything else. We recommend you change your password regularly. \n\nYour request ( number XXXX ) is currently marked in our system as Pending, which usually means we are waiting for additional information from you before we can solve your issue. \n\nXXXX ( Kraken Support ) XX/XX/2021, XXXX : Hello XXXX, Thanks for your patience. \n\nYour Kraken account has been unlocked and your Sign-in 2FA has been removed but trading and withdrawals will remain temporarily locked. \nImportant, please read through this email in full detail. \n\nBefore proceeding with the next steps, we recommend you review your recent browsing history and provide us with any Kraken URL that differs from http : //kraken.com/ so we can report them and have them taken down. Please do not navigate to the page and never enter your credentials anywhere other than http : //kraken.com/ You must complete the following steps and reply with the requested response before we can unlock trading and withdrawals on your account. \n\nAfter further review of your account security we would like to advise you on the following : Do not use search engines to navigate to https : //www.kraken.com - even the most reliable search engines can lead you to a phishing website ( especially the most used ones! ). \nDo not use links suggested in your browser 's URL bar to navigate to https : //www.kraken.com - this practice can still lead you to a phishing website. \nAvoid clicking on suspicious links prompting you to enter your credentials. Only enter your credentials if the URL is https : //www.kraken.com/sign-in Bookmark the Kraken sign-in page on your browser or device to avoid the use of search engines or other means to find links to Kraken. \nBeware of phishing scams. See this support article for more information. \nDelete your browsers ' history and cookies to avoid automated suggestions of phishing links you may have navigated to in the past.\n\nWe kindly ask you to sign into the account and complete the following steps : Generate a new Sign-in 2FA using an Authenticator App or XXXX. \nDelete any unfamiliar withdrawal addresses. To delete a withdrawal address : click 'Funding \" > click 'Show all assets ' > select 'Withdraw ' next to a specific cryptocurrency > Select 'Manage ' > click X in the red box to delete the withdrawal address.\n\nPlease take note of any unfamiliar withdrawal addresses before replying to this email as they may be removed by our system before your account is restored. \nWe highly recommend you delete any API keys on the account and regenerate new ones. \nWe highly recommend removing any Active Sessions or Devices that you do not recognize. Please take note of any unfamiliar IP addresses before removal, as they will not be visible for review later. \nEnsure that your account is secured to your satisfaction. We highly recommend enabling a Master Key using a different device or a different method than the one used for your Sign-in 2FA.\n\nReview this support article for further information on securing your Kraken account and digital life. \n\nOnce you have completed the steps above, please copy and paste the following line into a reply to this email and we will unlock trading and withdrawals on your account : \" I hereby confirm that I have secured my Kraken account and I would like to unlock withdrawals and trading. I also confirm that I have read and understood the information given on avoiding phishing scams. '' We look forward to your reply. \nKind regards, XXXX XXXX Client Engagement To the best of my knowledge I was not phished. \nI take phishing classes every year to keep my qualification up in my employment for both the XXXX XXXX and XXXX XXXX. I was never solicited to go to a Kraken Crypto Exchange site. Nor did I go to any site that was not Kraken.Com. \n\n\nI have antivirus and when I ran it on my computer I had zero viruses or malware.\n\nMy third-party authenticator was on my phone, not my computer, equaling two separate devices.\n\nI never conducted any trades from my phone or signed into the Kraken Exchange.\n\nA complaint with IC3.Gov with negative results on any replies.\n\nI am respectfully requesting Proof from Kraken that they sent me emails of the transactions and to reverse the exact coins that were stolen from their Exchange. \n\nAnother Clue as to why I think this was done on the backend of the Kraken Exchange was because I was locked out of the account just prior to the theft. Once I tried to log in, its my opinion it alerted the suspects Trojan Horse in the backend of the Krakens Exchange that had logged in earlier from the spam IP Address. \nThis gives the appearance that I led the suspect in or was doing the transactions myself. But was never able to get in, See Browser History : My Activity on XX/XX/2021 : XXXX Browser XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX https : //www.kraken.com/en-us/prices? quote=USD XXXX XXXX Web Search clicked on a Kraken.Com Sight ( See highlighted link that was clicked ) https : //www.kraken.com/reset-password XXXX XXXX Kraken.com website to create a new password https : XXXX? XXXX XXXX XXXX XXXX Web Search clicked on a Kraken.Com Sight ( See highlighted link that was clicked ) https : //www.kraken.com/reset-password XXXX XXXX Kraken.com website to create a new password https : //www.kraken.com/sign-in XXXX XXXX sign in page to Kraken.com https : //www.kraken.com/reset-password XXXX XXXX- Kraken.com website to create a new password https : //www.kraken.com/sign-in XXXX XXXX sign in page to Kraken.com The suspect also knows Krakens protocols to delete browser history. \nI was given instructions to delete evidence needing to investigate this case ( delete Browser History ). See Below : XXXX : XXXX XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX PM to me # # - Please type your reply above this line - # # Thanks for contacting Kraken Support. Your request ( XXXX ) has been received. \nWe'll reply to your ticket as soon as possible, but in some cases it can take several days if we experience a heavy volume of requests. \nWe have site content that answers many of the most common support questions. Please take a moment to visit the pages below and see if your question is answered there. \nhttps : //support.kraken.com/hc/categories/200119723-Kraken-Help-Center https : //support.kraken.com/hc/categories/200187143-Kraken-Trading-Guide https : //www.kraken.com/help/api If you're able to solve your request before we reply, we'd be grateful if you let us know by replying to this email. \nThanks for your patience. Youll be hearing from us soon. \nThe Kraken Support Team XXXX ( Kraken Support ) XX/XX/2021, XXXX PDT Hello XXXX, Thank you for your patience. \n\nAccording to our review, on XXXX XXXX XXXX a successful sign in was made on your account from XXXX XXXX using your valid credentials including a valid 2FA codes. If you do not recognize the IP above then you may ha\nve been a victim of a Phishing attack where a user 's credentials ( username, password, 2FA codes, etc. ) have been captured in some way - usually through a phishing website, email or similar. \n\nAfter a successful sign in, a withdrawal address ( XXXX ) was added and approved on your account on XXXX XXXX XXXX from XXXX XXXX. The assets on your account was then converted into XXXX and was withdrawn to the above address. \n\nIt's important to note that whenever a new cryptocurrency withdrawal address is added on a XXXXaken account, an email notification is always sent to the registered email address. Our system data confirms that you have received an email notification for this address and the withdrawal address was subsequently approved via your email account. \n\nUnfortunately, we are unable to assist with the recovery of any disputed funds due to the irreversible nature of cryptocurrency transactions. \n\nFor Compliance reasons, a detailed discussion on this matter can only be conducted with a verified law enforcement official. We advise that you file a police report and ask that law enforcement officials responsible for this investigation contact us by submitting the Compliance and Legal Support Request Be sure to provide them with your public account ID and/or this ticket number ( XXXX ) for referencing. \n\nImportant : To expedite the process, please reply to this message stating that you authorize us to share company data regarding your account with law enforcement. Also, please ensure that the law enforcement agency include a statement in their request to Kraken that you ( our client ) authorize the company to provide data directly to the law enforcement agency without a court order. You must do both. If you omit either step - you providing consent directly to us or the law enforcement agency informing us about that consent - then we may be delayed in providing your account information.\n\nIn the meantime, we are pleased to inform you that your Kraken account is once again fully operational. We appreciate your patience and understanding during this process. \n\nXXXX ( Kraken Support ) XX/XX/2021, XXXX PDT XXXX XXXX - Given your position and the positive relationship we have with law enforcement, we have done an additional review of your account. Unfortunately, every indication in our logs and records suggests that you either have malware on your computer that captured your credentials or that you entered your credentials- including your 2FA - into a phishing site. Those credentials were then used to access your account. The attacker then added and confirmed a new withdrawal address and removed funds. Given that the withdrawal address was confirmed through your e-mail, it is highly likely that you either entered your e-mail credentials into a phishing site or that you have malware on your computer. \n\nUnfortunately, given that your credentials and e-mail account were used for the withdrawals, we are not in a position to reimburse you for any funds lost. If you require additional logs or records on this matter, we are happy to provide them. \nBest Regards, XXXX XXXX Client Engagement https : //www.kraken.com Beware of crypto investment scams and other types of fraud. We advise you to read our blog post for more information. https : XXXX Be informed of your Privacy rights here : https : //www.kraken.com/legal/privacy Follow us on XXXXXXXX XXXX XXXX Your request ( number XXXX ) is currently marked in our system as Solved, which means we think your issue has already been resolved. \nIf it has not yet been resolved, let us know by replying to this email. \nTo protect your personal information, we ask that you delete this email thread. \nThis email is a service from Kraken Support. Delivered by XXXX.","date_sent_to_company":"2022-01-26T16:41:17.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"32258","tags":"Servicemember","has_narrative":true,"complaint_id":"5155000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payward Ventures Inc. dba Kraken","date_received":"2022-01-26T16:08:49.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Between the time of the withdrawals and the time I regained access to my account, Kraken did not notify me of any activity on the account. Prior to this theft, for every trade or withdrawal made, I received an email, but on XX/XX/XXXXor anytime thereafter, I did not receive any emails confirming a withdrawal."]},"sort":[10.299098,"5155000"]},{"_index":"complaint-public-v1","_id":"2680977","_score":5.16293,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Okay just to be clear I have filed complaints since about 7 months ago with every federal, state, local, house, goveneor, sheriff, chief, representatives and more I had sent out over 5000 emails, an according t my XXXX bill I had made over 20,000 in the last two months alone. Denial letters from free legal services from missiouri and arkansas, denial from help from victiums of crimes special programs and denial from attorney generals and on and on and on. \n\nOk it kind of a long story it actually starts almost five months ago, lets just say since five months ago we have suffered hacking and scammers, and idenity theft and it was bad for a while we were and are almosr 7000 in debt just from that alone not including everything on my credit record with is almost 70,000 which I thnk some is my student loans. Well after afew weeks the calmed down a bit.\nWell about a week a month after that, I had to stop working because of my health being so XXXX so I havent worked in almost 4 months now and still waiting on XXXX to kick it. \nWell we ended up having to get another vehicle, cause of my appointsments and hospital visits it wasnt working out with husbands shedule. And he was goning to lose his job if we kept at it\nSo on XX/XX/XXXX we finally got someone to give us a chance with a truck which my husband used for work sometimes.\nWell that was the first time XXXX XXXX lied to me, when they called me about being approved for sure I was told all we had to do was come and sign the papers and it was going to be XXXX Dollars Down. No more than that, I thought thank god,\nWell of course I still had not be released to go back to work yet not sure when I am going back honestly, my health is XXXX XXXX, andy ways about a week of having the truck it started acting up they were very slow to respond abut the issue and it took almost two weeks for them to actually do something about it.\n\nWell XX/XX/XXXX I told my husband since we were so far in debt with everything with the scamming and hacking that we was not going to have to file for bankcruptcy and I had researched online that we can file for a petition of affirmation of automatitc stay of assets which would help keep the only assets we had\nWell I went online which since we had got hacked, and scammed and the idenity theft I had set up proxy, vpns, IP addresses, and emails and everything it was that bad. \n\nWell I was online again looking for free legal help to fill the paperwork out and were to get the forms from online frokm the district courst of missouri and I filled it all out the waviers for the courts cost and fees and everything else then was told that it would be filed on XX/XX/XXXX and that afternoon was told go aheaed and send out to the dealerships and in a few days we finish the rest of the procedure and it was gonna cost like XXXX dollars well with me not working I had just got my last check and all ihad left ws XXXX so I gave him that through online transfer. \n\nSo the next day XX/XX/XXXX at around XXXX we heard a tow truck outside and my husband went to look and their they were taking his truck, we had not received one call, one , text, or email or any notice that this was happening at all. My husband jumped in my car and drove two hours away to talk to them to see what was going on and when he got there they \n\nTHE FINACE SIDE OF THE COMPANY TOLD HIM HE COULD HAVE THE TRUCK BACK IF HE PAID THEM XXXX FOR TOWING IT. \nWELL WHY HE WAS OUT THERE I HAD GONE ONLINE AND FILIED OUT COMPLAINTS I KNOW THEY ARE IN THE WRONG FOR DOING THAT. \n\nWELL THAT SAME DAY I TALKED TO THE GM XXXX WHICH TOOK ME 8 TIMES TO GET HIM BECAUSE XXXX I THINK HER NAME WAS OR XXXX KEPT LYING TO ME WHEN I ASKE TO SPEAK TO THE GM SHE SAID SHE WAS AND THAT IS NOT HOW SHE INTRADUCED HERESLF ON THE PHONE WHEN ANSERING PLUS I HAD TALKE D TO HER MANY TIMES BEFORE.\n\nHAD TO GO THROUGH CUSTOMER SERVICE LINE AND ASK FOR GM FINALLY GOT HIM XXXX\n\nAND HE SAID THAT BECAUSE FO THE COMPLAINTS I HAD SUBMITTED THATS WHY THEY TOOK THE TRUCK AND IT WAS BEING REVIEWED BY THEIR SUPPOSEDLY TEAM OF LEGAL REPRESENTATIVES. \n\nYET THEY TOLD MY HUSBAND THAT THEY RECEIVED THE PAPERS ABOUT THE BANK RUPTCY AND THAT IS THE REASON WHY THEY TOOKT THE TRUCK BACK.\n\nCONFLICTING STORIES THERE, WELL SINCE THEN I HAVE BEEN ONLINE TRYING TO LEARN HOW TO UPGRADE TO EFILE WELL THAT WAS A WEEK WASTED TO COME AND FIND OUT I CANT WHEN I HAVE DOCUMENTS FROM ONLINE SHOWING AND STATING ON HOW YOU CAN IF YOU REPRESENTING YOURSELF PRO SE\n\nWELL IN THAT TIME THEY BARLY SPOKE TO ME THEY TALKED TO MY HUSBAND THOUGH. WELL THRUSDAY HE TALKED TO THEM LATE EVENING AND THEY TOLD HIM THAT IF I DROPPED THE LAWSUIT THAT THEY WOULD RETURN THE TRUCK BACK TO US AND WOULD BE CHARGED FOR THE TOWING\n\nFUNNY THING IS ABOUT THE WHOLE THING I NEVER FILED YET I GOT SOME HELP AND WE WERE HAVING SOMEONE SERVED A DEMAND LETTER WITH ONE OF THE BARGGININGS WAST TO RETURN THE TRUCK.\n\nSO APPARENTLY HE HAS BEEN TALKING TO XXXX, AND XXXX, AND XXXX AT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX XXXX\n\nWELL THE NEXT DAY I SENT VIA EMAIL AND ONLINE FAX TO HEADQUARTERS WELL WHAT THEY SHOW ONLINE AS HEADQUARTERS AND SENT TO THE XXXX NUMBER EMAIL EVEN THOUGH IST XXXX AR. XX/XX/XXXX EMAIL AS WELL. \n\n I WLL ATTACH COPY OF THAT AS WELL, WELL DIDNT HEAR NOTHING AND MY HUSBAND ASKED ME TO CALL THEM SO I DID STARTING AT XXXX XXXX TILL ABOUT XXXX AT NIGHT WHEN I CALLED THEY HUNG UP, PUT ME ON HOLD FOREVER AND THEN HANG UP TAKE MESSAGE FOR XXXX AND SAID HE WAS BUSY AND DIDNT EVER CALL BACK AT ALL I CALLED EVERY NAME ON LIST TO CORP. OFFICE IN XXXX, IN AND LEFT MESSAGE STATING I SENT EMAIL EXKPLAING THE REASON WE WAS FILING AND THERE WAS NO LAWSUIT AND THAT ALL WE WANTED WAS WHAT WE ASKED FOR. THEN ABOUT XXXX XXXX XXXX FINALLY ANSERED THE DOOR HE \n\nSTATED TO ME HE TEXTED MY HUSBAD THAT MORING AND TOLD HIM THAT HE WOUDLNT KNOW TILL XXXX\nAND THAT HE MIGHT HAVE TO BE PUT INTO ANOTHER VEHICAL NOT THE TRUCK.\n\nNOW, I WAS VERY MAD SINCE FRIDAY I HAVE DONE NOTHING BUT RESEARCH AND RESEARCH AND I FOUND OUT A LOT OF THINGS \n\nWHICH ALL GO AGAINST OUR CIVIL RIGHTS, AND POOR WORK ETHICS ON THEIR POINT OF VEIW, \nNOW THEY TOLD MY HUSBAND THAT THE ONLY HE COULD HAVE HIS THINGS OUT OF THE CAR WAS TO GIVE BACK THE OTHER KEY .\n\nWELL LIKE I SAID I HVE RESEARCHED XX/XX/XXXX, XXXX XXXX AND I HAVE FOUND OUT A LOT ABOUT THIS COMPANY AND I ALSO HAVE AT LEAST OVER 25000 DOWNLOADS OF MISSIOURI, ARKANSAS, AND XXXX LAWS ON CIVIL RIGHS, CIVIL RIGHTS AND AUTOMOBILES AND CIVIL RIGHT AND REPOSSIONS AS WELL.\n\nI HAVE OVER 100 TABS SAVED ON PHONE AND LAPTOP AND DOCUMENTS ABOUIT THIS COMPANY, MANY LAWSUITS AND LOTS OF UNFAIR PRACTICES AND AND REPOSSESIONS AND MORE, \n\nI WILL ONLY SEND CERTAIN THINGS PRETAING TO THIS MOSTLY .\n\nEverything here I have got off their websites, contracts as employees, share holders, and more mainly going to focus on the problem at hand and I have read and downloaded all the law archives from Missouri, Arkansas, Indianan. I have read and downloaded the laws pertaining to civil rights, repossession and arbritaration laws as well and I have downloaded the Byrider Franchising hand book 0n how they are to run the the XXXX XXXX XXXX XXXX stores the chains of commands policy they are to follow and more and I also have clips of the contract as well\nWHICH THE CONTRACT AND THEIR POLICYS CONTRADICT THEMSELVES AND THEY DID NOT FOLLOW ANY OF THE PROCEDURES ON CONTRACT OR HANDBOOK. Portioning to this mess.\n\nLike I mentioned before we were victims of crime again which was reported but of course due to lack of man power which was lied. XXXX police officer said and time and no leads cant do much about that problem at all, but the company XXXX XXXX would not even hear our story or didnt take any compassion to our situations.\n\n\nLISTED BELOW IS EVERYONE I HAD CALLED AND LEFT MESSAGES AND EMAILED AND FAXED LETTERS TO SEE ABOUT GETTING THIS CLEARED UP WITH OF COURSE NO RESPONSE FROM ANY OF THE MEMBERS WAS TOLD BY THE EMPLOYEES OUT OF XXXX AR. XXXX XXXX THEY WERE NOT ALLOWED TO SPEAK TO US YET THEY CONTINUED COMMUICATION WITH MY HUSBAND NOT MUCH BUT MORE SO HIM THEN ME AND I AM THE BUYER\n\nSO ONLINE WHEN YOU LOOK UP MAIN HEADQUARTERS FOR XXXX XXXX THIS IS WHAT COMES UP //.\n\nXXXX XXXX\t\t\t\t\tAKA----XXXX \n\nXXXX AR XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nXXXX XXXX XXXX HEADQUARTERS AFTER YOU REWORD THINGS COMES UP\nXXXX XXXX XXXX XXXX XXXX IN XXXX\nPhone--XXXX XXXX XXXX\nFax--XXXX XXXX XXXX\nEmail--XXXX\n\nSO THE WEBSITE IT GIVES A LIST OF NAMES OF SUPPOSEDLY THE PEOPLE RUNNING THIS LOCATION::\nXXXX XXXX PRESIDENT-- LEFT 6 MESSAGES ON VOICEMAIL, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX\n\nXXXX XXXX--CONSUMER AFFAIRS SPECIALIST ( WHICH THAT IS WHAT I WAS TOLD WHO I NEEDED TO SPEAK WITH)---XX/XX/XXXX LEFT 15 VOICE MAILS\n\nXXXX XXXX--DIRCTOR OF SALES--XX/XX/XXXX LEFT 8 MESSAGES\n\nXXXX XXXX XXXX-- XX/XX/XXXX LEFT 4 VOICEMAILS\n\nXXXX XXXX-- LEFT 4 VOICEMAILS XX/XX/XXXX \nXXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS XXXX XXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS\n\nXXXX XXXX--XX/XX/XXXX LEFT 5 VOICEMAILS XXXX XXXX--XX/XX/XXXX LEFT 2 VOICEMAILS\n\nXXXX XXXX XXXX XXXX--XX/XX/XXXX LEFT 6 VOICEMAILS\n\nSUPPOSEDLY EMAIL FOR OFFICE IS ----XXXX WHICH GOES TO XXXX AR. AND CUSTOMER SERVICE EMAIL IS XXXX\nWHICH IM SURE GOES TO XXXX AR. LOCATION AS WELL\n\nTHAT WAS ALL DAY SATURDAY I TRIED CALLING CORP OFFICE AND ONLY SENT OUT ONCE THE EMAIL TO THE EMAILS ON WEBSITES AND FAXED TO THE FAX NUMBERS AS WELL\n\nXXXX \nXXXX AR XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX I THINK HE A GM XXXX XXXX XXXX XXXX AND I THINK XXXX\n\nHAVE ALL SAID DIFFERENT STORIES TO ME WHEN AND IF THEY ANSWERED OR TOOK MY CALLS \n\nAND HAD TOLD MY HUSBAND MANY DIFFERENT STORIES AS WELL VERY CONFLICTING STORIES\n\n\n\nWELL I FOUND OUT\nXXXX CUSTOMER SERVICE IS LINKED TO BOTH PLACES AND TRANSFERS CALLS ONLY TO XXXX AR I CALLED THEM 25 TIMES XXXX\n\nSO I WAS MAD, MY HUSBAND WAS MAD CAUSE THEY KEEP LYING TO US AND TELLING US DIFFERENT STORIES.. SO I DID DIGGING AROUND ON EACH PERSON AND THE COMPANY ITSELF AND I DOWNLOAD ALL PUBLIC ARCHIEVES OF THE LAWS FOR CONSUMERS AND BUSINESS AND ARBRITRATION LAWS AS WELL AND I WIL COPY AND PASTE WHAT I HAD SEND LINKS DOCUMENTS AND PICTURES TO BACK UP MY FINDINGS \n\nAND I ALSO CAME ACROSS THEIR FRANCISHING HAND BOOK ON HOW THEY ARE TO RUN THEIR BUSINESS AND HOW THEY TARGET PEOPLE WHO ARE FINIANCALLLY UNSTABLE AND LIE TO THEM AND CHARGING HOW MUCH INTERSET THEY WANT NO MORE THOUGH THAN 35% AND MORE I HAVE DOWNLOAD COMPLAINTS OF THINGS THEY HAVE DONE SIMILAR TO THIS AND NO BODY REALLY DONE MUCH\n\nI AM REQUESTING TWO THINGS AT THIS TIME\n\nFRIST IS THE TRUCK BACK WITH TITLE NO MORE LEASE AT ALL OR NEW TRUCK \n\nSECOND AND I WONT THIS IS A SUIT BROUGHT ON THEM AS WELL OR BEING DECEITFUL AND MISLEADING AND BREAKING LAWS AND MORE BAD BUSINESS JUDGEMENTS AS WELL.\n\nSO WHEN YOU XXXX XXXX HEADDQUARTERS IT COMES UP XXXX IN AND THAT I FOUND LIKE I SAID GOES ROUTED TO XXXX AR,\n\nI HAVE A PICTURE OF THAT, WHEN YOU ENTER THE WEBSITE AND PICK A LOCATON AND CHOOSE INDIANA WELLL XXXX IN LOCATION DONT COME UP HAVE PICTURE AS WELL.\n\n\nLIKE I SAID I DID A LOT OF DIGGING AROUND ON THESE PEOPLE I ACTUALLY HAVE HOME ADDRESSESS AND PHONE NMBERS HOME ONES AND CELLS AND SOCIAL MEDIA WEBSITES THEY CONNECTED TO AS WELL AND MUCH MORE FAKE WEBSITES, NUMBERS GENERATED TO FULL CONSUMERS INTO BELIVING THEY CALLING CUSTOMER SERVICE BUT NOT THEY JUST CALLING THE STORE THEY HAVING A PROBLEM WITH AND GET TRANSFERRED AROUND FOUND ALSO THAT IF YOU GO TO \n\nXXXX---DIRECT WEBSITE AND MAKE A PAYMENT AND THEY DONT TELL YOU THIS AND I DONT TRUST IT AT ALL SO I DIDNT MAKE A PAYMENT IT TAKES YOU TO A THIRD PARTY WEBSITE NOT EVEN CALLED XXXX OR ANYTHING TO DO WITH XXXX WEBSITES.\n\nALSO FOUND OUT THAT XXXX XXXX IS NOT REGISTERED WITH THE FEDERAL BANK RESERVERS I CHECKED NOT ON THERE NOR IS BYRIDER OR XXXX OR SOME OF THE OTHER NAMES I TRIED TO ENTER AS WELL\n\nI WILL SUBMIT THAT ALL AS WELL. THEY ARE APPARENTLY REGISTERED AND IN.GOV WITH 4 DIFFERENT NUMBERS AS WELL AND DIFFERENT ADDRESSES AND NAMES AND CONTACTS WHICH I DID TRY TO REACH OUT TO AND NOTHING I WILL ATTACH ALL THAT AS WELL. \n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX----XXXX XXXX, XXXX XXXX (State or Other Jurisdiction of Incorporation or Organization) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX (Address of Principal Executive Offices, Including Zip Code) (XXXX) XXXX (Registrants Telephone Number, Including Area Code) XXXX XXXX \n\n\nTHIS RIGHT HERE HIS JUST ONE OF THE REGISTRATION NUMBERS THEY HAVE NOT TO THE ADDRESS THAT THEY SAY IS CORP OFFICE HEADQUARTES DONT EVEN MATCH UP\n\nXXXX XXXX XXXX XXXX XXXX. is an entity registered at Indiana with company number XXXX. Company is incorporated onXX/XX/XXXX. Current status of the company is Merged. The company's agentis XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN, XXXX - XXXX, USA The company's secretaryis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA The company's presidentis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA\nCompany information\n\nFrom \n\n\nXXXX XXXX XXXX XXXX XXXX IS THE SERVING AGENT WHOM I WOULD LIKE SERVED AND EVERYONE ELSE SERVED AS WELL THEY ALL LIE \n\nAgent\nName\tXXXX XXXX XXXX\nAddress\tXXXX XXXX XXXX., XXXX, IN, XXXX - XXXX, USA\nSecretary\nName\tXXXX XXXX XXXX\nAddress\tXXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA\nP\n\nFrom \n\n\nTHIS IS FROM PAGE 9 TABLE OF CONTENTS REVIEW \n\nThe Company utilizes its Loss Prevention and Recovery Department (the LPR) to perform on-site audits of branch compliance with \nCompany underwriting guidelines. XXXX audits Company branches on a schedule that is variable depending on the size of the branch, length of \ntime a branch has been open, current tenure of the Branch Manager, previous branch audit score and current and historical branch profitability. \nXXXX reports directly to the Accounting and Administrative Management of the Company. The Company believes that an independent review \nand audit of its branches that is not tied to the sales function of the Company is imperative in order to assure the information obtained is \nimpartial. \n\nTHIS IS FROM PAGE 9 AS WELL CALLED MONITORING AND ENFORCEMENT OF CONTRACTS\n\nThe Companys Management Information Services personnel maintain a number of reports to monitor compliance by customers with their \nobligations under Contracts and direct loans made by the Company. These reports may be accessed on a real-time basis throughout the \nCompany by management personnel, including Branch Managers and staff, at computer terminals located in the main office and each branch \noffice. These reports include delinquency aging reports, customer promises reports, vehicle information reports, purchase reports, dealer \nanalysis reports, static pool reports, and repossession reports. \nA delinquency report is an aging report that provides basic information regarding each account and indicates accounts that are past due. The \nreport includes information such as the account number, address of the customer, home and work phone numbers of the customer, original term \nof the Contract, number of remaining payments, outstanding balance, due dates, date of last payment, number of days past due, scheduled \npayment amount, amount of last payment, total past due, and special payment arrangements or agreements. \nAny account that is less than 120 days old is included on the delinquency report on the first day that the Contract is contractually past due. \nOnce an account becomes 30 days past due, repossession proceedings are implemented unless the customer provides the Company with an \nacceptable explanation for the delinquency and displays a willingness and the ability to make the payment, and commits to a plan to return the \naccount to current status. When an account is 60 days past due, the Company ceases recognition of income on the Contract and repossession \nproceedings are initiated. At 120 days delinquent, if the vehicle has not yet been repossessed, the account is written off. Once a vehicle has \nbeen repossessed, the related loan balance no longer appears on the delinquency report. Instead, the vehicle appears on the Companys \nrepossession report and is sold, either at auction or to an automobile dealer. \n\nWhen an account becomes delinquent, the Company immediately contacts the customer to determine the reason for the delinquency and to \ndetermine if appropriate arrangements for payment can be made. If payment arrangements acceptable to the Company can be made, the \ninformation is entered in its database and is used to generate a Promises Report, which is utilized by the Companys collection staff for \naccount follow up. \n\nThe Company prepares a repossession report that provides information regarding repossessed vehicles and aids the Company in disposing of \nrepossessed vehicles. In addition to information regarding the customer, this report provides information regarding the date of repossession, \ndate the vehicle was sold, number of days it was held in inventory prior to sale, year, make and model of the vehicle, mileage, payoff amount \non the Contract, XXXX book value, XXXX XXXX value, suggested sale price, location of the vehicle, original dealer and condition of the \nvehicle, as well as notes other information that may be helpful to the Company. \nThe Company also prepares a dealer analysis report that provides information regarding each dealer from which it purchases Contracts. This \nreport allows the Company to analyze the volume of business done with each dealer and the terms on which it has purchased Contracts from \nsuch dealer. \n\nThe Companys policy is to aggressively pursue legal remedies to collect deficiencies from customers. Oral requests for payment are made \nbeginning when an account becomes 11 days delinquent. When an account becomes 30 days delinquent and the customer has not made \npayment arrangements acceptable to the Company or has failed to respond to the requests for payment, a repossession request form is prepared \nby the responsible branch office employee for approval by the Branch Manager for the vicinity in which the borrower lives. Once the \nrepossession request has been approved, first by the Branch Manager and second by the applicable District \n \n\n\nTHIS STATES HOW ANYONE IN THE COMPANY CAN ACCESS ALL INFORMATION ALTER INFORMATION BASICALLY DO WHATEVER THEY WANT, NOT PRIVACY \n\nComputerized Information System \nThe Company utilizes integrated computer systems developed by XXXX to assist in responding to customer inquiries and to monitor the \nperformance of its Contract and direct loan portfolio and the performance of individual customers under Contracts. All Company personnel are \nprovided with real-time access to information from a single shared database. The Company has created specialized programs to automate the \ntracking of Contracts and direct loans from inception. The Companys computer network encompasses both its corporate headquarters and its \nbranch office locations. See Monitoring and Enforcement of Contracts above for a summary of the different reports prepared by the \n\n\n\n\nTHIS THEY VIOLADATED AS WELL FALSE IMPLICATIONS PAGE 11\n\n Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts \nprohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices \nand from making false implications when attempting to collect a debt. \n \n\nNO PRIVACY WITH INTERGRATED DATABASE BUT IT SAYS THEY HAVE TO KEEP OUR STUFF PRIVATE THEY DONT PAGE 11 AS WELL\n\n Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts \nprohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices \nand from making false implications when attempting to collect a debt. \n \n\nSTATES THEY MAY NOT INTERFER PAGE 12\n\nBankruptcy. Federal bankruptcy and related state laws may interfere with or affect the Companys ability to recover collateral or \nenforce a deficiency judgment. \n\n\nNEXT IS ABOUT HOW EMPLOYESS ARE TO HANDLE THINGS AND WHO HANDLES THEM AND THE PROCDURES AND THE DO AND DONTS ASLO PAGE 12, 13, 14, 15 ,16.17:::IPAGE 14 STATES THAT AS SOON AS THEY REPOSSES A VEHICLE ITS TOOK TO AUTION RIGHT AWAY\n\n\nThe auction proceeds we receive from the sale of repossessed vehicles and other recoveries are subject to fluctuation due to economic \nand other factors beyond our control. \nIf we repossess a vehicle securing a Contract, we typically have it transported to an automobile auction for sale. Auction proceeds from the sale \nof repossessed vehicles and other recoveries are usually not sufficient to cover the outstanding balance of the Contract, and the resulting \ndeficiency is charged off. In addition, there is, on average, approximately a 30-day lapse between the time we repossess a vehicle and the time \nit is sold by a dealer or at auction. The proceeds we receive from such sales depend upon various factors, including the supply of, and demand \nfor, used vehicles at the time of sale. Such supply and demand are dependent on many \n \nHERE IT STATES WRONGFUL REPOSSETIONS, BANRUPTCY VIOLATOINS AND MORE\n\nWe are subject to risks associated with litigation. \nAs a consumer finance company, we are subject to various consumer claims and litigation seeking damages and statutory penalties, based \nupon, among other things: \n \n \n \n \n \n \n \n \n \n12 \n \n usury laws; \n \n disclosure inaccuracies; \n \n wrongful repossession; \n \n violations of bankruptcy stay provisions; \n \n certificate of title disputes; \n \n fraud; \n \n breach of contract; and \n \n discriminatory treatment of credit applicants. \n\n\nSome litigation against us could take the form of class action complaints by consumers. As the assignee of Contracts originated by dealers, we \nmay also be named as a co-defendant in lawsuits filed by consumers principally against dealers. The damages and penalties claimed by \nconsumers in these types of actions can be substantial. The relief requested by the plaintiffs varies but may include requests for compensatory, \nstatutory and punitive damages. We also are periodically subject to other kinds of litigation typically experienced by businesses such as ours, \nincluding employment disputes and breach of contract claims. No assurances can be given that we will not experience material financial losses \nin the future as a result of litigation or other legal proceedings. \n\nPAGES 17-21 SAYS THE HAVE TO PRACTICE PROPER COLLECTION POLICES WHICH THEY DID NOT::\n licensing requirements; \n requirements for maintenance of proper records; \n payment of required fees to certain states; \n maximum interest rates that may be charged on loans to finance new and used vehicles; \n debt collection practices; \n proper disclosure to customers regarding financing terms; \n privacy regarding certain customer data; \n interest rates on loans to customers; \n telephone solicitation of direct loan customers; and \n collection of debts from loan customers who have filed bankruptcy. \n\n\nAGAIN ON PAGE 18 INTERGRATED DATABASE\n\nWe may experience problems with our integrated computer systems or be unable to keep pace with developments in technology. \nWe use various technologies in our business, including telecommunication, data processing, and integrated computer systems. Technology \nchanges rapidly. Our ability to compete successfully with other financing companies may depend on our ability to efficiently and cost-\neffectively implement technological changes. Moreover, to keep pace with our competitors, we may be required to invest in technological \nchanges that do not necessarily improve our profitability. \nWe utilize integrated computer systems to respond to customer inquiries and to monitor the performance of our Contract and direct loan \nportfolios and the performance of individual customers under our Contracts and direct loans. Problems with our systems operations could \nadversely impact our ability to monitor our portfolios or collect amounts due under our Contracts and direct loans, which could have a material \nadverse effect on our financial condition and results of operations. \n\n\nOKAY THIS ON PAGE 97 OF THEIR POLICY HANDBOOK CALLED GOVERNING LAW.\n\n16. GOVERNING LAW. \n(a) The validity, interpretation, construction and performance of this Agreement shall be governed by the internal laws of the State \nof Florida, except that Section 16(b) shall be construed in accordance with the Federal Arbitration Act if arbitration is chosen by the Employee \nas the method of dispute resolution. \n(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the \nrules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which \nboth parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the \nvenue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected \nvenue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in \nthe manner provided hereunder for the giving of notices. \n\n\n \n(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the \nrules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which \nboth parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the \nvenue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected \nvenue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in \nthe manner provided hereunder for the giving of notices.\n\nTHESE NEXT FEW PAGES 115 10 125 ARE THE AUTOMOBILE DEALER RETAIL AGREEMENT PLANS:::\n\nThe undersigned Dealer proposes to sell to the undersigned XXXX XXXX XXXX. (XXXX), from time to time, Promissory Notes, Security \nAgreements, Retail Installment contracts, Conditional Sales Contracts, or other instruments hereinafter referred to as Contracts, evidencing \ninstallment payment obligations owing Dealer arising from the time sale of motor vehicle(s) and secured by such Contracts. It is understood \nthat XXXX shall have the sole discretion to determine which Contracts it will purchase from Dealer. \n \nIndemnity : As a separate and cumulative obligation, Dealer shall defend and hold XXXX harmless from any and all claims, defenses, \noffsets, damages, suits, administrative or other proceedings, cost (including reasonable attorneys fees), expenses, losses, and liabilities. \n(Collectively Claims) arising out of connected with or relating to the Contract or the goods or services sold there under. Timing of \nindemnification is within 7 days of demand by XXXX. \n\nXXXX XXXX XXXX. (hereinafter referred to as XXXX XXXX XXXX. or the Company) requires ethical conduct in the practice of \nfinancial management in all aspects of business activities. \nThe XXXX XXXX XXXX. Code of Ethical Conduct for Financial Managers applies to all senior officers serving in a financial role. The Chief \nExecutive Officer, Chief Financial Officer and Controller, as well as certain other senior financial officers, hold an elevated role in corporate \ngovernance and are expected to act in accordance with the highest standards of personal and professional integrity, to comply with all \napplicable laws, rules, and regulations, to preserve and protect shareholders interests, and to abide by the XXXX XXXX XXXX. Code of \nBusiness Conduct and Ethics and other policies and procedures adopted by XXXX XXXX XXXX. that govern the conduct of its employees. \nThis Code of Ethical Conduct is intended to supplement the XXXX XXXX XXXX. Code of Business Conduct and Ethics. \nAs the Chief Executive Officer, Chief Financial Officer, Controller, or other senior financial officer, I certify to you that I adhere to and \nadvocate the following principles governing my professional and ethical conduct in the fulfillment of my responsibilities. I agree to: \n \n a. Comply with the Companys internal policies and procedures; \nb. Act at all times in accordance with the Companys Code of Business Conduct and Ethics which has been provided to me and with \nwhich I will comply; \nc. Engage in and promote honesty, integrity and ethical conduct, including the ethical handling of actual or apparent conflicts of \ninterest between personal and professional relationships; \nd. Provide accurate, complete, objective, timely and understandable financial disclosures in regards to internal reports as well as \nd\ndocuments filed or submitted to the Securities and Exchange Commission, any governmental, private or public regulatory agency, \nor used in public communications; \ne. Comply with applicable federal, state, provincial, and/or local governmental laws, rules and regulations, as well as appropriate \nprivate and public regulatory agencies; \nf. Respect the confidentiality of information acquired in the course of performing my work responsibilities except when authorized or \notherwise legally obligated to disclose such information; \ng. Act in good faith, responsibly, with due care, competence and diligence, without misrepresenting or omitting material facts or \nallowing my independent judgment to be compromised; \n h. Avoid using confidential information acquired in the course of performing my job responsibilities for personal advantage; \n\n\nTHEY HAVE FIVE PAGES OF DEALERSHIPS THEY GET THERE CARS FROM PAGES ON PAGES ON HOW THEY KEEP FROM PAYING TAXES AND GET EXTRA MONEY THEY ARE CROOKS AND THEY ARE ALL THROUGH ONE MAIN GUY XXXX XXXX XXXX. \n\nXXXX IS NOT EVEN A REAL BANK THEY GET THEIR MONEY FROM OTHER PLACES\nTHEY STOLE FROM US\n\n\nTHE MAIN STORES COMPANYS WE HAVING ISSUES WITH WILL BE LISTED FIRST ALL THE REST ARE POSSIBLE PLACES WHERE SUPPOSEDLY THEY ARE WHICH ONLINE AND ON SOME OF THEIR WEBSITES THEY ARE LISTED ON ONE OF THE TWO ADDRESSES LISTED FIRST. ALSO NAMES OF SOME OF THE ASSOCIATES THAT WERE THE MAIN ISSUE ARE LOCATED AT THE XXXX AR LOCATION, THE ONES TO INDIANA ARE NOT EVEN AT THAT LOCATION I FOUND OUT\n\nXXXX XXXX\nXXXX XXXX XXXX XXXX XXXX AR XXXX\nXXXX\n\nTHE FOLLOWING PEOPLE WHO DID THIS AND HAVE NOT CONTACTED US LIED TO US AND REFUSED TO TALK TO US AND TOLD US","date_sent_to_company":"2017-09-21T19:11:20.000Z","issue":"Struggling to pay your loan","sub_product":"Lease","zip_code":"65616","tags":"Servicemember","has_narrative":true,"complaint_id":"2680977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2017-09-21T16:54:45.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["Well XX/XX/XXXX I told my husband since we were so far in debt with everything with the scamming and hacking that we was not going to have to file for bankcruptcy and I had researched online that we can file for a petition of affirmation of automatitc stay of assets which would help keep the only assets we had\nWell I went online which since we had got hacked, and scammed and the idenity theft I had set up proxy, vpns, IP addresses, and emails and everything it was that bad."]},"sort":[5.16293,"2680977"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4}]}},"product":{"doc_count":4,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":1}]}}]}},"issue":{"doc_count":4,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}}]}},"timely":{"doc_count":4,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4}]}},"company_response":{"doc_count":4,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":4}]}},"submitted_via":{"doc_count":4,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":4}]}},"company":{"doc_count":4,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":1},{"key":"Payward Ventures Inc. dba Kraken","doc_count":1}]}},"state":{"doc_count":4,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":1},{"key":"MO","doc_count":1},{"key":"NC","doc_count":1},{"key":"OH","doc_count":1}]}},"company_public_response":{"doc_count":4,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":4,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}