{"took":192,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":24,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7895188","_score":28.33086,"_source":{"product":"Checking or savings account","complaint_what_happened":"The problem started with someone trying force a electronic check through my account I don't recognize or I don't know and I told this arvest bank and we discovered I had identity theft but the problems kept growing because of {$1500.00} electronic check that was passed through my account and then I was trying barrow enough money from these payday loans places to cover it but my bills kept adding up and piling up because of this identity theft problem so I went everyone told them about it ask for personal loan I couldn't get because because of lying cheating credit bureau using inaccurate information they gather on me","date_sent_to_company":"2023-11-23T00:46:57.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"647XX","tags":null,"has_narrative":true,"complaint_id":"7895188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ARVEST BANK GROUP, INC.","date_received":"2023-11-23T00:25:52.000Z","state":"MO","company_public_response":null,"sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["The <em>problem</em> started with someone trying force a electronic check through my account I don't recognize or I don't know and I <em>told</em> this arvest bank and we discovered I had <em>identity</em> <em>theft</em> but the <em>problems</em> kept growing because of {$1500.00} electronic check that was passed through my account and then I was trying barrow enough money from these payday loans places to cover it but my bills kept adding up and piling up because of this <em>identity</em> <em>theft</em> <em>problem</em> so I <em>went</em> <em>everyone</em> <em>told</em> <em>them</em> about it ask for"],"issue":["<em>Problem</em> caused by your funds being low"]},"sort":[28.33086,"7895188"]},{"_index":"complaint-public-v1","_id":"2425295","_score":22.19526,"_source":{"product":"Bank account or service","complaint_what_happened":"I banked @ Huntington. I 've had identity theft. Requested a new card, checking and savings account number. I called 3 days in a row and nothing was done. I went to the branch and the young lady really helped me. While going through her process she noticed a XXXX $ charge trying to come through. She admitted I had serious problems. She opened a new account and debit card. Also disputed the charges against my account. The next day they closed my account and refuse to investigate the charges against me. Everyone in customer service were very rude with attitudes. I ca n't pay my bills. I have nothing. I have to wait for tem to send the XXXX $ back to me. I filed bankrupt, therefore they were willing to open another account. I had identity theft then. Now they are saying I am high risk. My accounts were open when I told them that a representative advised me that it appears to be identity theft. The credit bureau advised me as well. All I am asking is what is owed to me. Customer Service has only given me nasty attitudes. They closed my accounts because of the disputes, although I alerted then when I first recognized them. I have to continue suffering because my direct deposits have to be rerouted as well as my checks bouncing..","date_sent_to_company":"2017-04-07T18:02:28.000Z","issue":"Using a debit or ATM card","sub_product":"Checking account","zip_code":"48221","tags":null,"has_narrative":true,"complaint_id":"2425295","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2017-04-07T18:02:28.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Everyone</em> in customer service were very rude with attitudes. I ca n't pay my bills. I have nothing. I have to wait for tem to send the XXXX $ back to me. I filed bankrupt, therefore they were willing to open another account. I had <em>identity</em> <em>theft</em> then. Now they are saying I am high risk. My accounts were open when I <em>told</em> <em>them</em> that a representative advised me that it appears to be <em>identity</em> <em>theft</em>. The credit bureau advised me as well. All I am asking is what is owed to me."]},"sort":[22.19526,"2425295"]},{"_index":"complaint-public-v1","_id":"3744784","_score":17.156189,"_source":{"product":"Debt collection","complaint_what_happened":"Thank you very much for all the help you provide. I filed a complaint a few years ago against a collection agency who was reporting an account on my credit report. it was an account created through identity theft. At the time I had sent a notarized Identity Theft Affidavit and a police report to the collector as well as to the credit bureaus and nobody was fixing the account. After I filed a complaint to you I was able to have the account deleted. \n\nToday I am facing the same problem. A collection agency named Enhanced Recovery Collections is collecting for an XXXX account which is at {$1700.00}. I sent a notarized ID theft affidavit as well as a police report and a dispute letter to them as well as the three credit bureaus back on XX/XX/XXXX. No company has sent me a response and it has been three months. This is really hurting my credit score and preventing me from obtaining financing. \n\nI called Enhanced Recovery Collections today along with a consumer advocate and we spoke with an individual named XXXX XXXX # XXXX. The advocate informed him of everything that was going on and XXXX XXXX said they hadn't received any notices. He asked if there was a reference # on the letters. The advocate informed him there wasn't because the credit report didn't have one. XXXX gave us a reference # and said he would send us a fraud packet. My advocate asked him to send it but he also asked why we would need another fraud packet when we are providing one that's notarized along with a police report. XXXX XXXX said it needed to be specifically for XXXX. \n\nI understand why ERC may be asking for an XXXX specific fraud packet, but I don't understand why they haven't responded to my letter or to my credit bureau disputes I also sent. My advocate asked him the same questions in the phone call today and XXXX XXXX said they hadn't received any disputes from the bureaus either. All of this is bringing back memories from two years ago when I went through the same problems trying to remove fraud accounts from my report. Everyone was claiming they hadn't received my notices or were ignoring me. My consumer advocate let XXXX XXXX know I was going to simply file complaints because I couldn't restart the process after three months. XXXX XXXX told him he could send us to the escalations department but that wouldn't make anything faster. The advocate then told him I would file the complaint to you. XXXX then acted like he didn't care anymore and that's when the call ended. \n\nThis complaint is so you can help me again. I am very upset that I have to go through the same problem again and I am very upset that no one is doing their job again. How long do I have to suffer for this? It is not my fault I am the victim of fraud and to continue to have to put my life on hold and have my good name ruined due to fraud is very upsetting.","date_sent_to_company":"2020-07-14T18:50:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"93311","tags":null,"has_narrative":true,"complaint_id":"3744784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ERC","date_received":"2020-07-14T17:39:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I filed a complaint a few years ago against a collection agency who was reporting an account on my credit report. it was an account created through <em>identity</em> <em>theft</em>. At the time I had sent a notarized <em>Identity</em> <em>Theft</em> Affidavit and a police report to the collector as well as to the credit bureaus and nobody was fixing the account. After I filed a complaint to you I was able to have the account deleted. \n\nToday I am facing the same <em>problem</em>."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[17.156189,"3744784"]},{"_index":"complaint-public-v1","_id":"8229598","_score":15.074452,"_source":{"product":"Prepaid card","complaint_what_happened":"This problem has been going on since the beginning of XXXXor the end of XXXX  when everyone got put on state emergency due to covid 19 i had help applying for my unemployment benefits because this was new to me I have never had to apply for stuff like this I always have help from my heath doctors or family. Well this time a friend of a friend helped me to apply said i will get an answer of approval immediately. After completing the application they said i got denied when not to long after i called and spoke with edd and they couldnt help me because someone had set up my account with information i could not verify cause i never set that up. After getting that resolved and going through so much hassle to verify myself i was told someone collected over XXXX of my covid relief benefits that my claim was in fact approved and paid the address that was on my account I was unaware of never lived there or knew anyone that lived there. I was told to contact BOFA to start a claim the next day because XXXX was going to update my information to the correct information. After I called BOFA BEING ON THE PHONE FOR HRS AND HRS TO GET HUNG UP to be treated very poorly I had opened a claim one day and being told the next day it's closed this went on for months and months I had to be with out food without light gas and almost without a roof over my head due to this and having no means of income. Everytime my claim was denied I reopened it I asked for them to please send me the proof of why they denied it and they never did. I have submitted police reports copies of my driver 's license my rental agreement everything and anything to help get this resolved. To this day im still being denied and I was sent a letter saying XXXX isn't gon na be using BOFA anymore and I'm scared of what's gon na happen to my money that I am owed how can they just allow this to happen and not fix it. After this long battle back and fourth for so long BOFA REFUNDED MY CARD WITH THE AMOUNT OF XXXX SAID THAT THATS THE AMOUNT THEY FOUND IN ERROR. AGAIN I ASKED FOR PROOF NEVER GOT IT WHEN I ASKED HOW DID THEY FIND THAT AMOUNT TO BE ERROR AND NOT THE REST THEY HAD NO ANSWER FOR ME. I SPOKE WITH SUPERVISORS DAILY AND WAS ALWAYS TOLD DIFFERENT INFORMATION I PUT IN SO MANY COMPLAINTS ON THE WORKERS THIS IS NERVE WRECKING AND STRESSFUL ESPECIALLY WHEN IM GOING TO FOOD BANKS TO GET FOOD BECAUSE I HAD NO MONEY BECAUSE OF THIS I PUT IN HARD SHIPS ASKED FOR THEM TO EXPEDITE MY CLAIM DUE TO EMERGENCY. AND THEY STILL DENIED MY CLAIM AND I HAVE TOLD THEM MORE THEN ONCE PLEASE REVIEW THE CAMERA FOOTAGE STORE FOOTAGE ANYTHING THEY POSSIBLY CAN BECAUSE I NEED MY MONEY ITS BEEN A FEW YEARS NOW I REQUESTED A NEW CLAIM IT GOT DENIED AGAIN I REALLY NEED SOMEONE TO LOOK INTO THIS GOOD BECAUSE I WAS A VICTIM OF IDENTITY THEFT A VICTIM OF FRAUD. AFTER A FEW YEARS OF THIS MESS THE DISTRICT ATTORNEY VICTIM UNIT CONTACTED ME THROUGH MAIL THE LETTER STATED SOME GUY GOT ARRESTED FOR HAVING MY PERSONAL BELONGINGS IN HIS POCESSION AND IS BEING PROSECUTED FOR IDENTITY THEFT.along with alot of other charges I let BOFA KNOW ABOUT THIS NEW INFORMATION AND THEY ONCE AGAIN DENIED MY CLAIM DIDNT WAN NA HEAR ANYTHING I WAS SAYING PRETTY MUCH SAID THEY WOULD REQUEST I BE SENT THE RESULTS OF DENIAL AND AGAIN NEVER DID. THIS IS MY LAST HOPE I REALLY NEED HELP FROM YOUR OFFICE TO GET PAID BEFORE ITS TO LATE I NEED MY STORY TO BE TOLD AND HEARD. DO I GO TO THE PRESS DO I GET MY ATTORNEY INVOLVED I AM AT A DEAD END DONT KNOW WHAT ELSE TO DO OR WHO TO GET TO HELP ME GET TO THE BOTTOM OF THIS. PLEASE HELP.","date_sent_to_company":"2024-01-29T12:42:52.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"93458","tags":null,"has_narrative":true,"complaint_id":"8229598","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-01-26T05:30:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["AND THEY STILL DENIED MY CLAIM AND I HAVE <em>TOLD</em> <em>THEM</em> MORE THEN ONCE PLEASE REVIEW THE CAMERA FOOTAGE STORE FOOTAGE ANYTHING THEY POSSIBLY CAN BECAUSE I NEED MY MONEY ITS BEEN A FEW YEARS NOW I REQUESTED A NEW CLAIM IT GOT DENIED AGAIN I REALLY NEED SOMEONE TO LOOK INTO THIS GOOD BECAUSE I WAS A VICTIM OF <em>IDENTITY</em> <em>THEFT</em> A VICTIM OF FRAUD."],"issue":["<em>Problem</em> with a purchase or transfer"]},"sort":[15.074452,"8229598"]},{"_index":"complaint-public-v1","_id":"4253817","_score":14.900185,"_source":{"product":"Checking or savings account","complaint_what_happened":"I closed my checking account with U.S.Bank on XX/XX/XXXX because someone was siphoning money from it. Everyone I spoke with at the bank told me I had to speak with someone in the Fraud Department. After a few weeks of trying to getany help, while I was losing money, I went to the XXXX branch and told XXXX XXXX, to close both accounts. He said he was sorry and that the accounts were closed. I took the cashier 's checks and left.XX/XX/XXXX, I receiveda notice of insufficientfunds due to the activity exceeding itsbalance. I called them because I don't have any accounts with them anymore. Turns out, not only did they not completely close it ( Its been in the process of closing since XX/XX/XXXX ) but my stimulus check of {$600.00} was deposited in it.When I called the number on the back of the notice, the woman told me I had to speak to the Fraud Department. I told her I had tried for weeks to get anyone on the phone from that dept. and I was on hold for over an hour each time and then it hung up on me saying no one was available. She got XXXX. from the Fraud Department on the phone ( he refused to give me his last name saying people could look him up on the internet and find him ... he seriously said that ). He said I had to make a claim for every fraudulent transaction- since each time they took XXXX or XXXX dollars out, he said it would take a very long time ''. I told him this was not my problem since my account should have been closed as of XX/XX/XXXX and I wanted my {$600.00} within 10 days or I would be contacting a lawyer. He said they should be able to do that but I would have to sign an affidavit. I had no problem with that thinking it wouldindicate what actually happened. The \" affidavit '' was a form letter to be filled out about an electronic fund transfer ( ACH ) transaction I have examined to be in error and it required me to list each ACH, the date each one posted, and the amount. I certainly havent examined anything since closing the account back in XX/XX/XXXX nor do I have access to it to fill the form out appropriately. I responded by email explaining this and provided a written explanation of the identity theft regarding this account. I dont consider it my account anymore because I relinquished ownership of it when I told them to close it.I did not bother to delete the account information from my bills online since it was supposed to be closed. Twice- once in XX/XX/XXXX and once early this month, I clicked on the wrong account, clicking on my old US Bank checking account to pay a bill but I quickly chose my current checking account to use instead. I noticed a week after I spoke with XXXX, the credit to both accounts were applied retroactively. I received a notice a few days later that there was a positive balance of {$100.00} after {$500.00} had been credited to my credit card. I went to the XXXX branch and I spoke with XXXX XXXX. She said there was a negative balance and multiple fraud claims attributed to the account and that is was now frozen. She said there was nothing she could do until the Fraud Department resolved the claims. She gave me her card and said to call her if I couldnt get a hold of anyone in that dept. I then spoke with XXXX in the Fraud Department He said this account should have been closed in XX/XX/XXXX and he was very sorry they didnt do so. He said there was ( again ) nothing he could do until all the claims were resolved. Last week, I received 3 letters on the same day. One that stated that the account has been overdrawn by {$210.00} for at least 5 days and I should make a deposit as soon as possible. And the other two were identical stating that they received my claim dated XX/XX/XXXX regarding an electronic fund transfer that you believe to be in error or otherwise unauthorized. They stated for me to be eligible for provisional credit, they must receive my claim in writing within 10 days. With the letters was the same affidavit I refused to sign before.","date_sent_to_company":"2021-03-29T17:38:41.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"97045","tags":null,"has_narrative":true,"complaint_id":"4253817","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-03-29T17:21:15.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I responded by email explaining this and provided a written explanation of the <em>identity</em> <em>theft</em> regarding this account. I dont consider it my account anymore because I relinquished ownership of it when I <em>told</em> <em>them</em> to close it.I did not bother to delete the account information from my bills online since it was supposed to be closed."]},"sort":[14.900185,"4253817"]},{"_index":"complaint-public-v1","_id":"3565778","_score":11.736551,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I began as a seller  on XXXX  on XX/XX/2018, and had been selling  XXXX   XXXX  for about 3 months, when I noticed that XXXX  was invoicing me for items that had been returned. When I called to get this problem rectified, they told me they would resolve the issue. Once the deadline for the invoice was past, they suspended my account for non payment. Again, I called to get the problem resolved, and they told me they weren't going to do anything about it, and that I either needed to pay the invoice, or I would not be allowed to sell  on XXXX. This was a problem, as I had invested everything I had into creating my own store  and this was my full time job. Unfortunately, I didn't have the additional {$770.00} that they were overcharging me at that time.. It took 6 months to finally reach someone that was competent enough to understand what the problem was. They recognized the misunderstanding and credited me the {$770.00} and gave me the opportunity to sell again. I was happy that it was finally figured out, but this is only the beginning. While I was suspended, XXXX claims that I had customers wanting to return items, but I know this wasn't true and XXXX refused to provide a summary of the issues at hand because they were made up. What ended up happening was XXXX decided to give me credit for the overcharged invoice, but during my suspension, they created a negative sellers profile, allowing them to charge more per sale, so instead of 10 % of {$100.00}, like it is supposed to be and what was agreed upon, they could now charge 12 % -15 %, even 18 % if they wanted to. This also allowed them to revert to this problem that they created every time I came to them with an issue, which was every month die to never being credited for returns. They would simply say, \" we see that your sellers  level is below standard '' which was true, but only because they created the problem and the below standard sellers  level. This was entirely out of my control. I asked them why they found it ok to credit the money, but allow the XXXX created sellers  level remain in place. They would never give me an answer other than \" it's been beyond the 60 days that's required to dispute such a claim, and had you complained before the 60 days, we could've done something. '' This was all nonsense and a lie. First of all, it took me 6 months to even get into my account to know there was negative feedback to begin with, so there goes that idea. Trying to put it behind me and just play their greedy little game, I didn't mention it anymore. However, this would be considered frivolous at best compared to what was happening next. XXXX  XXXX   their criminal colleagues at PayPal and requested that they step in and steal my money, which is exactly what happened, but only after a brief period of time where I had a considerable amount of sales that put {$4000.00} in each of my 2 accounts. Unfortunately, I was not able to deduct the money fast enough and that's when PayPal took the money. If I only had about {$50.00} in each account, they wouldn't have touched it because it wasn't worth the trouble for {$50.00}. {$8000.00}? Thats a different story, and that's the one I'm telling. When I questioned where my money was and why I could not retrieve any of my hard earned money that I invested everything I had into earning, they said they required some information from me, but would never tell me what that information was, just that they needed it. I never gave them anything, and nor should I have to. If they didn't have all of the information that they required at the beginning of their own fraudulent contract that I was never aware of existing, that's their problem. A contract can not allow someone to change the particulars in a contract just because it benefits only fhem. This is common knowledge, and nowhere in their contract does it state that they reserve the right to take all of your money under fraudulent pretenses. In fact, as soon as they took the money, they committed theft and a felony if I'm not mistaken. This renders any contract void immediately, even if I was unaware of it. I can not be expected to go along with criminal activities because of a contract that I never agreed to to begin with. My agreement was with XXXX, and this is why XXXX needed PayPals help. To deflect the contractual agreed to particulars. I never asked for, required, thought it was a good idea, agreed to, or ever promoted the idea of having a 3rd party having access to my money, and to steal a percentage of that money on every transaction that occurred. In fact, I was blatantly opposed to the idea and voiced my opinion on several occasions. Additionally, XXXX claims to allow you to not use PayPal at all, and just have the money directly deposited into your account. This is how I set up my account, but XXXX changed this, stating that I needed to be invited to have that as an option. It is an option when you set up your account, but XXXX knows they can not commandeer people 's accounts when they are under a direct deposit. They must make you use PayPal in order to do this. Their whole platform is designed to promote their own fraudulent transactions, not to protect customers or sellers, and that is the problem I have with this. Additionally, this, in my opinion is discrimination at it's very definition that I need to be invited when it's given as an option when setting up the account. Did I not qualify for an invite? If jot, why not? This is more information that they can not provide due to it showing their criminal intent.. I digress. Now that PayPal had every dime to my name, leaving my family and I without money to even eat, I was at their mercy. After weeks of going days without food, I finally decided I should see what could be done to be provided relief. I called them and asked, and they said \" we've found that your counts are connected to another account that is over drawn in the amount of {$550.00}, and this amount must be paid prior to your money be in released. I agreed, under protest because this was jot my account and they knew it. It was extortion, period. The reason I can tell you that this was not my account, is because the email address that they gave me that I'd supposedly mine, does not exist in XXXX, and it is a XXXX account. Only someone who benefits from extortion would ceete an account in their own system, even though it does not exist in reality. They never created the account in XXXX, so if you try to access the email account, XXXX tells you, \" sorry, but this account does not exist. '' So, he's, this was extortion at it's finest. I agreed to pay it because I couldn't allow my family and I to go another day without a solid meal and at least a hotel room for 1 night to get some rest. PayPal promised to release the funds within 20 minutes of my oatibg their fraudulent balance. After it was paid, I went to deduct money from the account, and I was denied. After several hundred calls to them trying to figure out why, I received an email stating that I had been denied my appeal, and the account would remain closed. They stole upwards of {$8500.00} from me, just like that. PayPal claims that will give you your money back after 180 days, but all this does is allow them to create fake returns, where they then give the fake customer their money back, when in reality, they're just draining your account. At the same time I was suspended again, XXXX continued to allow customers to purchase my products, knowing that I couldn't fulfill them due to a billing agreement with pay pal, usps, and XXXX, that allows me to have the funds needed for shipping be deducted from my sales price. I didn't have the means to ship anything out even if I wanted to and if I thought I was ever going to be said for it anyway. So I didn't ship anything. XXXX  still invoiced me for over {$700.00} again for less than a weeks time period. When I didn't pay it, they told PayPal to change my payment method from personal credit card to PayPal, and then XXXX went into one of my frozen accounts and took the money. They were not finished. Then, they, changed their invoice to read it was due out of my other account and not the one they had just deducted it from. By doing this, it allowed to claim that I still owed the {$700.00} and this is what they began reporting to my credit report, fraudulently, and as unpaid and a negative mark on my report. Always checking my credit report regularly, I noticed that PayPal and XXXX both have somehow gained access to my report and have added their own accounts using my name, and then turning around and claiming that I still owe them money. They stole my identity to charge up my account on their platform as if I had a credit limit. I never had a credit limit, not once in my entire life have I had a credit card, so how can this be possible? So XXXX creates an invoice that they know I couldn't be held liable for, for not having the ability to fulfill the orders, yet continues to pursue the funds, steals them out of one account, and claims it is still owed on the other account, then proceeds to report it to the big 3 credit bureaus, defaming character fraudulently after stealing my identity to have access to my account to run up fraudulent credit on their own platform. At last estimation, they have stolen or charged a total of {$34000.00} and some change, and that was the last time I was allowed to even check it. They've since removed my access to my accounts, and the months has long since passed. I have never seen a dime of my money. Only theft, fraud, extortion, embezzlement, money laundering, Racketeering, and violations of RICO. I have in the past reported this to every other agency in America, including the cfpb. Nothing has ever been done about it and I understand that you are all complicit in this scam, and I'm not surprised. I just wanted to remind all of you involved that it hasn't been forgotten, and that everyone involved will someday pay the price for the damages you've caused due to your greed and corruption. It would be refreshing to find that at least one of you had the balls to stand up and do your jobs, which is to protect consumers and American Citizens, first and foremost, instead of lining your pockets with stolen money. I am realsitic, and find that hard to believe, let alone possible. Still, it would be refreshing. This is a complaint about not only XXXX and PayPal, but it's a complaint on the entire system that allows them to continue to do business, and allows you to continue lining your pockets and at the expense of the only backbone you have. The American people. I wish you would do something, but I've read your pathetic disclaimer about how worthless you are, and that is what I expect from you. Nothing. Because that is what you're worth. Now you know that we know, and now you need to know that you're about to be run out of this country or face the consequences for your treason. Have a nice day XXXX!","date_sent_to_company":"2020-03-13T18:15:29.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"78247","tags":null,"has_narrative":true,"complaint_id":"3565778","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-03-13T16:31:04.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["When I called to get this <em>problem</em> rectified, they <em>told</em> me they would resolve the issue. Once the deadline for the invoice was past, they suspended my account for non payment. Again, I called to get the <em>problem</em> resolved, and they <em>told</em> me they weren't going to do anything about it, and that I either needed to pay the invoice, or I would not be allowed to sell  on XXXX. This was a <em>problem</em>, as I had invested everything I had into creating my own store  and this was my full time job."]},"sort":[11.736551,"3565778"]},{"_index":"complaint-public-v1","_id":"6295510","_score":10.730711,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Company had no way of contacting customer service. I reached out when I first started having problems. Notice no phone # on company website. I mailed documents to them asking for help & I called numbers attached to all credit reports. It led to automated voicemails and never did they answer or call back. The numbers and address of business were Changing on reports & also numbers. They never worked. If you research Loqbox you will see they have done this to so many people. I cant get records, I cant get actual documents, I cant do anything other than keep trying to figure out ways to beg for help. If youre locked out of their account you couldnt email them when they first started. You had to log in & send a message in a portal then message disappeared leaving no trace of me or others proof showing we did. Company also used its XXXX business to conduct business with my account & they emailed from this. I never asked or signed any contracts with a XXXX company nor would I. The company has multiple names which j sent and showed this company and you CFPB that this company said I didnt pay. I showed you banking statements proving I paid bud somehow I received a letter saying you dont handle this stuff. Then I filed a complaint against XXXX bc they told me they dont investigate nor will they ever & I filed it thru here. Since then its been absolutely terrifying. They sent me a letter saying I am not aloud to dispute this account. I didnt know filing a complaint thru you all would mean they get to do whatever they want with me. \nCompany will not for the last year and the multiple times I begged for records wont send them. Nor can I get records proving I completed the account. Nor can you get them to talk to you on phone. Nor could I get them for a year to answer emails. So they have after a year and half finally replied and still wont give me documents & wont show me anything. How is a company able to do that to people. How is Loqbox even allowed to operate in the USA after what it did in the XXXX then it uses the XXXX company to communicate with me and my credit report? Somehow I paid the account and on the days it was owed Loqbox auto withdraws d money from my account. Loqbox never ever tried to take out what they say was missed. How can I pay on the day I owe but I dont bc its actually automated and then it makes the payment and congratulates me but then that results to me missing 6 payments in a row and customer service wont get me anything I requested. Been denied from everyone for help. Employee said I didnt have funds in my accounts to make the 6 missed payments in a row? \nCompany refused to call me back and investigate or allow me to request ask dispute or know of anything like that. They openly said to me in a email just a bit ago that they dont communicate by phone with customers and I said well I got the phone number from my credit report and you are the one that gives that to them and its my credit report and Ive been screaming at the top of my lungs there nobody there it doesnt exist. The company doesnt or wont give me a copy of my contract. I cant get a look at anything. The bureaus wont listen. How do you stop a company when they have all your information and Your making payments but they decide hes missing this one and this one and this one lol then customer is like wit I want to quit or wait Im locked out or wait Im a victim of identity theft which I was and am but you call no answer or you mail official letters and handwritten letters and the only way I could communicate with them is if i logged into my account went to a portal and sent a message that poofs disappears and then I wait and wait but for what? The phone? The mail? The disappearance of the email? I cant do anything because this company that has broken so many laws and rules and honestly proper business manners is literally making it harder on hundreds of thousands. Go read the emails of Loqbox then look at their investments. Not mainstream but decentralized and you will see they profit on all sides. Thats conflict of interst, I also suspect my credit report has been stored and sold or opened internationally with our consent, I also believe company lied multiple times to me and credit bureaus. I also cant prove anything bc nothing has ever came to me. Company Is set up like a criminal organization. Please understand that when you log into their website its not the same it was it didnt even have a email addrsss ok. So its set up totally different and begged but no way is it the same.","date_sent_to_company":"2023-03-08T18:56:11.000Z","issue":"Problem with customer service","sub_product":"Credit repair services","zip_code":"40511","tags":null,"has_narrative":true,"complaint_id":"6295510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Loqbox US Inc","date_received":"2022-12-09T11:19:49.000Z","state":"KY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["How do you stop a company when they have all your information and Your making payments but they decide hes missing this one and this one and this one lol then customer is like wit I want to quit or wait Im locked out or wait Im a victim of <em>identity</em> <em>theft</em> which I was and am but you call no answer or you mail official letters and handwritten letters and the only way I could communicate with <em>them</em> is if i logged into my account <em>went</em> to a portal and sent a message that poofs disappears and then I wait"],"issue":["<em>Problem</em> with customer service"]},"sort":[10.730711,"6295510"]},{"_index":"complaint-public-v1","_id":"3216380","_score":10.676633,"_source":{"product":"Checking or savings account","complaint_what_happened":"Problem : Numerous fraudulent/unauthorized charges to my Bank of America checking account by the company known as XXXX from XX/XX/XXXX to XX/XX/XXXX. \nTimeline : Date Action Amount Remarks XX/XX/XXXX XXXX   unauthorized charge {$140.00} Filed claim immediately w/ BOA XX/XX/XXXX Bank of America credit after claim {$140.00} Cancelled debit card, received new card. Assumed issue with XXXX  charges was resolved XX/XX/XXXX XXXX  unauthorized charge {$150.00} Went unnoticed by me ( claim not filed ) XX/XX/XXXX XXXX unauthorized charge {$150.00} Went unnoticed by me ( claim not filed ) XX/XX/XXXX XXXX unauthorized charge {$150.00} Went unnoticed by me ( claim filed, approved ) XX/XX/XXXX XXXX unauthorized charge {$1300.00} Claim filed in XX/XX/XXXX, approved by BOA XX/XX/XXXX Reported XXXX unauthorized charge to BOA via phone ( XXXX-XXXX-XXXX  ), filed claim against XX/XX/XXXX and XX/XX/XXXX charges for {$1500.00} ( {$1300.00} + {$150.00} ). Claim # : XXXX. Cancelled debit card, received new card. \nXX/XX/XXXX Bank of America credit after claim {$1300.00} BOA approved credit for XX/XX/XXXX unauth charge XX/XX/XXXX Bank of America credit after claim {$150.00} BOA approved credit for XX/XX/XXXX unauth charge XX/XX/XXXX XXXX unauthorized charge {$150.00} Claim filed, disapproved XX/XX/XXXX Recd letter from BOA, dated XX/XX/XXXX, detailing approval of claim XXXX for {$1500.00} for unauthorized charges from XX/XX/XXXX and XX/XX/XXXX. \nXX/XX/XXXX XXXX  unauthorized charge {$1600.00} Claim  filed XX/XX/XXXX with BOA, disapproved XX/XX/XXXX Filed fraud claim with BOA via phone for XX/XX/XXXX fraudulent charge of {$1600.00}, claim # : XXXX ; and XX/XX/XXXX fraudulent charge of {$150.00}, claim # XXXX. Cancelled debit card, received new card. \nXX/XX/XXXX Recd letter from BOA, dated XX/XX/XXXX, denying claim # XXXX ( XX/XX/XXXX, {$150.00} charge ), stating that charges were authorized and posted correctly. \nXX/XX/XXXX Recd letter from BOA, dated XX/XX/XXXX, denying claim # XXXX ( XX/XX/XXXX, {$1600.00} ), stating that charges were authorized and posted correctly. \nXX/XX/XXXX Contacted BOA via phone ( XXXX-XXXX-XXXX ) concerning denied claims # XXXX and XXXX. New claims were filed instead of re-opening denied claims. New claims XXXX ( XX/XX/XXXX fraudulent charge of {$1600.00} ) and XXXX ( XX/XX/XXXX fraudulent charge of {$150.00} ) were opened. \nXX/XX/XXXX Recd letters from BOA, dated XX/XX/XXXX, stating that new claim XXXX, filed XX/XX/XXXX, was a duplicate of claim XXXX ( XX/XX/XXXX, {$150.00} charge ), which was filed XX/XX/XXXX, then denied by BOA XX/XX/XXXX. \nXX/XX/XXXX Recd letters from BOA, dated XX/XX/XXXX, stating that new claim XXXX, filed XX/XX/XXXX, was a duplicate of claim XXXX ( XX/XX/XXXX, {$1600.00} charge ), which was filed XX/XX/XXXX, then denied by BOA XX/XX/XXXX. \nXX/XX/XXXX Visited BOA, XXXX XXXX XXXX branch on XXXX XXXX, XXXX appointment. Bank officer took my information and concerns, then phoned the same claims phone number I used to make all of my previous claims with BOA. In other words, this local branch, at least, does not provide any sort of local relief to fraud claims. All claims are referred, and handled by their centralized fraudulent claims department, and not in house at the branch office. She explained the situation as best she could to the fraud rep on the other end of the phone, but subsequently, the fraud department claimed that they could not approve the fraud claims for {$1600.00} and {$150.00} ( the last two claims I made, from fraudulent charges on XX/XX/XXXX, and XX/XX/XXXX. The reason stated by the on phone BoA fraud rep was that I had logged into my account, but waited seven days before reporting the fraudulent charges to BOA. I attempted to explain to the on phone fraud rep that the new fraudulent charges to my account were exactly the amount total of my last two previously approved claims ( {$1500.00} ), along with an additional {$150.00}, the exact amount that is showing as a recurring charge to my account. The BOA phone rep could not make the connection ; I was told that new claims are unrelated to older approved claims and can not be connected, even though there is a conclusive logical connection between the charges. I explained to the fraud rep on the phone that I did not see the charge/s, even though I had logged into my account, and that perhaps I was depositing a check or doing something else in my account at the time, and not scrolling through my account transactions. I explained that I had not seen the charges earlier, and that I filed a claim immediately upon discovering the fraudulent charges ; however, BOA fraud rep on the phone refused to honor the claim and reimburse me the fraudulent charges. I was informed that I could re-open disapproved claims XXXX and XXXX after I had filed a police report, and contacted XXXX directly in an attempt to recover funds fraudulently charged to my BOA account. BOA seems to be very bad at math. \nIf I choose to reopen the claims, I am to then fax ( XXXX-XXXX-XXXX ), or mail all police reports, contact details with XXXX, additional information to support my claim, and a memo stating that I did not make these charges. I attempted to explain to the in-office BOA rep, and fraud rep on the phone that I had no additional information about the XXXX fraud because I didnt make the charges, and was not receiving any services from XXXX. I explained that I did not know who would have made the fraudulent charges, and that I did not know any XXXX account numbers or any other info about the charges in question. It did not seem to matter, BOA was unmoved. BOA offered no support or indication that I would be reimbursed for the fraudulent charges to my account, even with the direct, logical link to previously approved fraud claims. BOA however did state that they would consider re-opening the two disapproved claims, if I fully complied with their instructions noted above. \nXX/XX/XXXX Phoned XXXX/XXXX fraud line, XXXX-XXXX-XXXX  to report these unauthorized charges. Was told that I could not be helped over the phone because they only handled security issues, and that I would need to send their affidavit, proof of residence, and a copy of my drivers license to : XXXX Customer Security Assurance, Attention Fraud Department, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. I was told that they would contact me when they received the information to discuss. I was also told that they NO longer require a police report to be included in the information sent to them to conduct their investigation. I may also fax them the information at XXXX Customer Security Assurance, Attention Fraud Department, XXXX-XXXX-XXXX. \nXX/XX/XXXX I notified XXXX of the fraud by filing an Identity Theft Claim with their fraud department. I sent them a copy of my drivers license and proof of my continued residence at my current address, here in XXXX, FL, from XX/XX/XXXX to present. XXXX no longer requires a police report be filed with this claim. I filed the claim with XXXX ( mail ), sent to them XXXX XX/XX/XXXX, complete with their affidavit, proof of residency, photo copy of my state drivers license, and copies of my BOA statements, highlighting the fraudulent charges. I have attempted to get the account information from XXXX several times unsuccessfully, spending many hours on hold in the process. XXXX  reps are unable to assist me due to me not having any information about the account in question, and they are actually suspicious of me asking about it, its really quite unbelievable. Thus, I get the feeling from speaking with them that they will not support my claim since I know nothing about the account that is withdrawing money from my account. I have spoken to every section of XXXX about this, and no one there is willing, or able to assist me. All attempts end in a dead end. Bank of America, and/or Visa must help me in this matter so that I can recover my stolen money. XXXX fraud reps also told me several times that this was a matter for my bank, not them. Everyone I spoke with said that is was someone elses responsibility, not their department. \nAfter filing the XXXX fraud claim, I was contacted by XXXX/XXXX Claims department on XX/XX/XXXX, via phone message that stated that they did not have adequate information to continue with my claim, and that I would need to contact them to request continuation. I called them immediately at the number provided, XXXX.XXXX.XXXX. After an hour on hold, I was told on the phone that since it was unlikely that an account was opened using my social security number, that I would need to contact my bank to resolve the issue, and that XXXX/XXXX  could not assist me. I attempted to explain to the rep that I had contacted my bank, and they told me that I needed to file a claim with XXXX to get resolution. Again, I was told that they could not assist, but that they would escalate the claim, but to expect disapproval since they believe Identity Theft did not occur, that it was an issue for my bank to resolve. I was told that they can only assist if actual identity theft had occurred. I attempted to argue as to how someone could open an XXXX account in my name without identity theft, they told me that they did not know ; contact my bank. I was then asked by the fraud department to contact XXXX/XXXX  billing department to request details about the account, so I asked for a transfer. After speaking with 6 different people, including the video repair department, I was finally connected to billing. I explained that I was a victim of fraudulent XXXX  charges on my bank account, and if they could help. When asked, I told the person on the phone that I did not know the account number because I did not open the account, and that I did not know anything about the account other than the recurring charges on my bank account. I gave the rep my social security number to try and look up the account that say, however after doing so, she told me that she could not assist me any longer, and that there was no further information she could give me about the account and referred me to their Customer Accounts department. Customer Account rep told me that he could not assist without me providing information about the account. Again, I told him that I didnt open the account, so I did not have any information, and that thats the reason Im calling is to try and get is stopped. I was then advised to research the account information on my credit reports and call XXXX back when I located the account info, that this was the only way they could help me. Ive checked all three of my credit reports and XXXX is not showing on any of them as an account I have, or have ever had. I can provide these credit reports to BOA upon request. After several additional sessions of being on hold for 40 minutes, then having a disconnection after that time with XXXX, Ive given up and am again asking Bank of America to resolve this issue. I have all phone conversations recorded if Bank of America needs them. XXXX customer service phone number is XXXX.XXXX.XXXX ; this is the number I phone several times in an attempt to reach their customer accounts rep, with no success. \nI attempted to file a police report, but was told by XXXX County Detective XXXX, in XXXX, Fl, that there was nothing they could do without details about the fraudulent XXXX account. He told me that if they contacted XXXX that they would need account details. I explained to him that I had not opened the account, and thus, I had no details about it. I asked for him to file it anyway, because my bank, Bank of America, requires me to file a police report in order to get their assistance. He again said that there was nothing he could do, and handed me a sheet of paper of where to report Identity theft via an internet website. I however, after insisting, started a case file about this incident with the XXXX Sheriff Department, and the reference number is : XXXX-XXXX. My feeling is that XXXX Sheriff Dept will not allow me to file a report with about additional information from XXXX, which they refuse to provide. This whole system seems to favor the criminal at every step. If a police report is absolutely required, please send me a letter or document formally requesting a police report be filed, so that I can present this to the local police department, so they will be compelled to allow me to report this fraud. Please feel free to contact Deputy XXXX @ XXXX-XXXX-XXXX or XXXX, he will likely remember me stopping in to see him and can explain why he didnt file a report, if you need to hear from him. \nIn summary, I was fraudulently charged {$3700.00} by XXXX from XX/XX/XXXX to XX/XX/XXXX, and have only recovered {$1600.00} by opening two separate fraud claims against XXXX with Bank of America that were approved. Bank of America, now, has indicated that they will not pay the remaining amount because it is not fraud. I have indicated to them several times that this is not my XXXX  account, and that I have not now, nor ever received products or service from XXXX or XXXX.. Bank of America , after crediting my account twice, with two claims, has denied my last two claims, both without sufficient justification to me. I request that BOA credit my BOA checking account the difference of {$2100.00}. I have placed a Stop Payment alert on my debit card for XXXX in an effort to prevent future fraudulent charges. I have emptied my bank account to prevent further unauthorized charges. I will soon, within a week or so, close my Bank of America checking account, and only leave a single savings account open. \n\nBoth Bank of America, and XXXX have all available documents I can provide, thus I will not attach any at this time. Notify me if you need any particular document, and I'll send.","date_sent_to_company":"2019-04-18T04:49:59.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"325XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3216380","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-04-18T03:01:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Again, I was <em>told</em> that they could not assist, but that they would escalate the claim, but to expect disapproval since they believe <em>Identity</em> <em>Theft</em> did not occur, that it was an issue for my bank to resolve. I was <em>told</em> that they can only assist if actual <em>identity</em> <em>theft</em> had occurred. I attempted to argue as to how someone could open an XXXX account in my name without <em>identity</em> <em>theft</em>, they <em>told</em> me that they did not know ; contact my bank."],"issue":["<em>Problem</em> with a lender or other company charging your account"]},"sort":[10.676633,"3216380"]},{"_index":"complaint-public-v1","_id":"7157414","_score":10.559025,"_source":{"product":"Debt collection","complaint_what_happened":"Synchrony Bank is trying to sue me in a highly suspicious bully move. I have an account with them that I have been paying through their collector, XXXX XXXX XXXX. The account entered collections about two years ago and I've been trying to pay little tiny bits of it just to keep it semi-alive and avoid the situation where we've arrived. Synchrony has made no attempts to contact me or demand more from me. The last contact I ever had with them was the original debt letter sometime around XXXX.  \n\nIf nothing else, this is a bully move that will only result in a bankruptcy filing if it continues any further. They're trying to sue someone with nothing left to give them. I share a house in my mother's name, and she's close to XXXX XXXX XXXX  living off social security. I live almost paycheck to paycheck with a little wiggle room of a XXXX XXXX XXXX  each month, and that's going to shrink more as soon as student loans resume. The biggest piece of property in my name is my XXXX XXXX, which is financed until the end of XXXX. The only other big thing I own is a 401(k) split between 10 funding sources with around XXXX saved up, but I have no intention on touching that for the next three decades.\n\nPart 1 of my complaint. The following things Im going to say are NOT something Im blaming Synchrony of doing. Ill just try to provide some context to how things arrived at their current state.\n\nDad died from XXXX XXXX  in XXXX. Mom and dad have been divorced since I was about XXXX, and the family picture has been weird, to give you the very, very, simple version. Starting from the end of XXXX, stepmom (and whoever else was encouraging her) was doing some VERY criminal things just to play games with me. Withholding info about dads life insurance in XXXX, and then saying Duhhh I forgot. Committing probate abuse / financial fraud / SOMETHING in early XXXX where she staged a fake paperwork fiasco that delayed the annuities dad left me and my brother for an extra month. The month AFTER her underhanded annuity hijinks, someone with access to my then-current XXXX XXXX went on an online shopping spree for fancy ladys shoes and cosmetics gift cards. I know she had access to that account number because I gave it to her in an attempt to help her with the plane tickets to the funeral. She would also have access to my SSN from my dads records (Keep this detail in mind. Its going to come up later!)\n\nDad wanted us to all be a happy family together. I was there at his bedside six weeks before he died when he said it to me. He was so happy, all things considered. Now NO ONE on his side related to me legally or biologically will say a PEEP to me!\n\nThe Michigan probate attorney who originally handled the process in XXXX XXXX XXXX XXXX, turned out to be a totally corrupt clown who shouldnt be trusted in any kind of legal practice. In XXXX, I was frantically sending out inquiries to ever probate/family attorney I could find near dads district. XXXX replied to one of them by setting a phone conference where HE called ME. We talked for about half an hour while he tried to play pretend-therapist. But the problem with him is, he never sent out probate notifications my brother and I were legally required to see as interested parties written in dads will. When I reported this to Michigan Attorney XXXX XXXX later in XXXX, XXXX wrote a long-winded legalese response to the Commission were he completely lied and said he never called me. Afterwards, he sent me a final email where all he said was Have a nice life! Other lawyers from that district have told me the legal timeline on the original probate could still be open right now because the original forms were never properly served. At the end of the day, XXXX is partially or wholly responsible for setting in motion the Dont give an XXXX attitude my family has used in everything theyve done toward me ever since. His job was to explicitly PREVENT something like this, and then he practically laughed in my face about it!\n\nHeres where it gets overwhelmingly creepy: There is a local car dealership in XXXX XXXX PA, XXXX XXXX (now apparently XXXX XXXX that was messing with my car GAP  insurance in late XXXX and early XXXX. If you ask them about it today, theyll tell you Oh but we were so prompt and courteous when we were handling XXXX XXXX  paperwork. Well, I dont know what alternate dimension theyre living in these days, because I have the whole e-mail chain from their finance lady XXXX XXXX showing thats absolutely untrue. She was lying to me constantly. She was delaying things. When I finally got the Pennsylvania AG Consumer Protection involved mid-way through XXXX, she sent the paperwork in for the second time or the third time, and I magically had my missing insurance refund about a month later. \n\nI can almost guarantee you she NEVER sent in the paperwork to the insurance company until it became a legal complaint. She was lying, and dragging me along, and testing me the ENTIRE TIME. Why did she do that? Who put her up to it? Im NEVER allowed to know! I did eventually receive the small refund amount that was due to me, but XXXX XXXX was still committing some form of insurance fraud and consumer abuse for six months before that. Now they keep spamming me with physical ad mail that Ive told them repeatedly to stop, and they ignore me. And Ive opened new complaints through the AG telling them to stop the mail, and they ignore those too. Now the local XXXX XXXX Police are involved.\n\nWhen we got to around XXXX XXXX in the car insurance fiasco, XXXX  started using COVID as an excuse in her e-mails explaining why everything was taking so long. Thats the moment my brain said Enough is enough and I got the AG involved. \n\nI have an uncle on moms side who died from COVID at the end of that year. He was a retired fire fighter. Thats a GREAT association thats always going to be on my mind!\n\nSomewhere out there, in the realm of hypothetical lawsuits I could file if I ever truly knew what was going on, is an accumulated sum of dollar signs. And Im betting more than one person owes me some jail time. Whether the problem is dads will was never valid in the first place, or it was all the crime and fraud and the abusive gaslighting and the online trolling that happened in the years afterwards, Im being illegally blocked from accessing SOME amount of money. What is that amount? How many different people owe me something? I have no way of knowing, and I have no way of even trying to estimate.\n\nFor the longest time in XXXX to XXXX (before EVERYONE on dads half of the family just completely turned me into a non-person), I would be at my wits end over this credit card / identity theft stuff, and the ONLY response Id sometimes get back is someone saying But the will was valid! When Im not even talking THE WILL! What does the will have to do with this? If dad were still alive, and he saw how these fine folks were treating me, the will wouldnt even EXIST in the form it was executed. THATS how the will factors into this! Its waste of time arguing anything else about it!\n\nMy family members have been doing everything in their power to financially rob me since at least XXXX. The debt situation were now arguing about didnt start snowballing until XXXX  when I needed to take out bigger consolidation loans and traded in my XXXX XXXX for a cheaper XXXX XXXX (which lowered my monthly loan payments by abouXXXX XXXX AND triggered the GAP insurance fiasco at XXXX XXXX).\n\nIve got a few new words to say to this car dealership as soon as I finish writing this report. Im currently in a middle of a police case for NEW mail they keep sending me even after I keep telling them to stop that, and I opened a NEW AG case against them on XXXX XXXX Weve almost reached the deadline the AG gave them, and it doesnt sound like theyre responding to anyone. \n\nPart 2 of my complaint. The following thing Im going to say IS directly related to Synchrony, and its where the suspicious part of my complaint comes into play. \n\nThis is a recap of the past six months alone: In XXXX someone with access to my SSN fraudulently ATTEMPTED (and failed) to open a rewards credit card at XXXX XXXX  in my name. In XXXX, someone fraudulently DID open a rewards credit card at the same bank and mailed it to me. In XXXX, someone tried to open an online deposit account at Bank of America. In every case, it was someone who applied for the accounts and then had all the account welcoming info sent to my physical address or my XXXX  account. Ive been working with the local West Hills police for the past three months, but the leads are narrow, to say the least. I cant send them to arrest a phantom.\n\nLast month, ANOTHER debt collector (XXXX XXXX XXXX) violated the FDCPA by trying to call me when they were requested in writing to only contact me by mail or e-mail (so I always have a paper trail). The complaint I submitted to them through the CFPB and the Pennsylvania AG  made their current collector instantly give up and spit the debt back to XXXX. \n\nToday XXXX, Synchrony comes into the case with NO warning, NO attempt to contact me nicely, and slams a civil complaint straight through the District Justice office. \n\nWhen the identity theft started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing identity fraud? And now one of them is trying to sue me? Thats a very disturbing and disgusting thought, if theres any truth in it. \n\nOther parties involved in this complaint: Im sending the same report against Synchrony to the Pennsylvania AG and CFPB.  I will be contacting XXXX XXXXXXXX XXXX at XXXX XXXX XXXX Police  next week to update him about the XXXX XXXX XXXXXXXX XXXX problem. I will call XXXX XXXX. XXXX District office to notify her of my intent to submit my defense on XXXX XXXX. AND I will begin a new frantic search for a debt collection defense attorney, since Im completely alone in the dark right now. Im really nervous everyone is going to just recommend I accept the default judgment and file straight to bankruptcy, which was NEVER my intention here.","date_sent_to_company":"2023-06-24T02:56:09.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"159XX","tags":null,"has_narrative":true,"complaint_id":"7157414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-06-24T02:45:29.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["When the <em>identity</em> <em>theft</em> started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing <em>identity</em> fraud? And now one of <em>them</em> is trying to sue me?"]},"sort":[10.559025,"7157414"]},{"_index":"complaint-public-v1","_id":"15301334","_score":10.466194,"_source":{"product":"Checking or savings account","complaint_what_happened":"To whom it may concern, This incident took place XX/XX/XXXX. XXXX morning, while getting ready to start my day, I felt a pressing urge to check my online banking after not checking for a while. To my surprise, I could not access it so I began panicking. My past naive XXXX self was very sheltered and had no knowledge on what to do. I lacked information concerning these things, so I did whatever came to mind. I immediately contacted my friends and roommates to let them know what happened. Then I looked online and on social media where I found out that I was not the only one affected from a post I saw on XXXX that morning. I did not have a very close relationship with my family and communicated to my then friends more, so I asked for their input. But they were as clueless as me. I briefly called my dad, mom, and sister to tell them what happened and check if they were affected since they use Bank of America too. Thankfully they were not so I quickly went to the nearest BOA branch to inquire why this happened. On getting there, it was crowded, and we were told not to worry and to wait till the ongoing investigation is finalized. I did just that to keep myself from spiraling and to keep my already compromised mental state from worsening. I channeled my energy to school and other things, praying that the issue to get resolved soon. Soon after I was told that the bank decided to close my account totally, when I asked why information was withheld by me. I asked what I could do to resolve this but was told that I could not do anything. My past coping mechanism was to isolate and avoid due to my crippling XXXX. I started to overthink about the reason why this happened. I did not harm anyone ; I tried my best to do good and offer help and was finally improving my mental health so why me??? That was my thought process, so I gave up looking for answers and resigned to my fate, thinking that it was not that serious If they did not explain to me in full details. Few months later, I attempted to open a new bank account at XXXX XXXX XXXX after not having one for a while. Alarms began to ring when I couldn't, I still did not get any information as to why and was told to try again later. I was reminded of the previous abrupt account closure. I explained what happened to the banker that attended to me but was instructed to take it up with BOA, which I did. I called the customer service line but they were of no help to me. So I opened a XXXX account because I started working and needed one for my payroll. My intense XXXX eased up as time went by and I eventually buried about that incident to protect my sanity. \n\nNow, I am a XXXX fresXXXX XXXX XXXX, ready for new beginning and to launch into the adult world but this issue is holding me back. On XX/XX/XXXX, I decided to open an account at XXXX and BOA but was met with the same rejection. It broke me down horribly and made me severely depressed. What went wrong?? Why is this issue still persistent? What did I do wrong? What is the reason?? I contacted XXXX XXXX XXXX XXXX for a current consumer file disclosure report because that was what I was advised to do online. I did so and finally saw the reason for the closure and rejection. It stated \" Checking Account Fraud '' ... excuse me what?! I was puzzled because it was my first time seeing that. I wish I got that information earlier then I would not have been complacent and relaxed with the way I handled the situation. I wished I got the proper information about this in school and prior to opening the account. \n\nI called Bank of America and was told the same thing as before that \" they just decided to close the account and as per agreement that's all the information they can provide ''. Hearing that completely broke me because what do I do? I wish the bank was upfront with me and told me everything so this would have been resolved the moment it happened. I became overwhelmed with regret on my stupidity, lack of information, dismissive attitude and wish I had a sense of urgency and appropriate information of fraud, personal information security, and how to combat such incident at the time of occurrence. I started doing something I should have done a long time ago. Backtracking my emails to around the time of the closure. Younger me seldomly checked my emails because I did not feel the need to it unless it occurs to me to do so. Then I saw emails of online banking password reset few days prior to the time I found out about my account restricted access, dispute claims, and a hold on a check of {$4700.00} at XXXX XXXX  on XX/XX/XXXX. All which I had no knowledge of. I was a short-time braider to earn money for my upkeep so i got paid with cash. I had minimal knowledge about checks since I never used them. I started thinking back to all the times that I let friends, clients, and a few strangers use my phone for a while to make calls or something else due to my younger self lack of caution and security. I was brought up with the \" sharing is caring '' and \" to do good always '' principle so I thought that being selfless was the best thing to do to help others. Identity theft and fraud was the main cause of this issue after doing my findings online. Letting my friends have my phone password and sometimes use my social media account because I thought that level of transparency was okay since we were close not thinking of the repercussions. My experience being bullied in middle and high school made me a people pleaser which encouraged my selfless character. I also remembered when my naive younger self would often click on links sent to me by unknown because I was curious or gullible to fall for those \" click to redeem gift '' pop-ups that would cloud my screen on the internet without thinking much of it. Remembering the time when I used the same email and password for almost all my accounts. If only I knew! I know better now. I am extremely heartbroken because I am suffering of a crime, I know nothing of. This made me very cynical and affected the way I related to others. It also brewed resentment to people around me because it made me unable to trust anyone. The dream of a wonderful adult life is crumbling right before my eyes before I even started. I can't sleep and eat because of this issue. I start my big girl job soon but feel stagnant because of this issue. I am currently vulnerable and pleading for help. \n\nThis issue is depriving me of buying a car, getting insurance, and moving out of my parents ' house due to not having a real bank account or credit card. My mental health is declining at an alarming rate due to stress which is starting to affect my physical condition. I am losing sleep and can not eat because of this. I am self-harming to distract myself from the chaos in my mind and filled with so much anguish and embarrassment regarding this. Please, I just want this problem rectified and awareness of the prevalent of identity fraud and the many ways it happens to stop this from repeating itself. Make fraud awareness, and security updates semi-annually mandatory. Urge consumers to change their password and update security setting every 4 months and to check emails daily. Feel free to use my experience as an example for everyone because I never wish for this to happen to anyone. I want the fraud claim disputed please. I am reaching my breaking point and do not know if I can take this anymore. I have cried enough and done as much as I can. This is beyond me. I will try my best to include as much documents as I can. Please rectify this issue. \n\nThank you so much for your time reading and your assistance. I look forward to feedback. Please feel free to contact me if needed. \n\nWarm regards.","date_sent_to_company":"2025-08-14T15:18:07.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"15301334","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-14T15:00:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Please, I just want this <em>problem</em> rectified and awareness of the prevalent of <em>identity</em> fraud and the many ways it happens to stop this from repeating itself. Make fraud awareness, and security updates semi-annually mandatory. Urge consumers to change their password and update security setting every 4 months and to check emails daily. Feel free to use my experience as an example for <em>everyone</em> because I never wish for this to happen to anyone. I want the fraud claim disputed please."]},"sort":[10.466194,"15301334"]},{"_index":"complaint-public-v1","_id":"15293637","_score":10.071455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer ID : XXXX  Information dispute : \" Checking Account Fraud '' To whom it may concern, this incident took place XX/XX/XXXX. One morning, while getting ready to start my day, I felt a pressing urge to check my online banking after not checking in a while. To my surprise, I could not access it so I began panicking. My past naive XXXX self was very sheltered and had no knowledge on what to do. I lacked information concerning these things, so I did whatever came to mind. I immediately contacted my friends and roommates to let them know what happened. Then I looked online and on social media where I found out that I was not the only one affected from a post I saw on Theshaderoom that morning. I did not have a very close relationship with my family and communicated to my then friends more, so I asked for their input. But they were as clueless as me. I briefly called my dad, mom, and sister to tell them what happened and check if they were affected since they use XXXX XXXX XXXXXXXX too. Thankfully they were not so I quickly went to the nearest XXXX branch to inquire why this happened. On getting there, it was crowded, and we were told not to worry and to wait till the ongoing investigation is finalized. I did just that to keep myself from spiraling and to keep my already compromised mental state from worsening. I channeled my energy to school and other things, praying that the issue to get resolved soon. Soon after I was told that the bank decided to close my account totally, when I asked why information was withheld by me. I asked what I could do to resolve this but was told that I could not do anything. My past coping mechanism was to isolate and avoid due to my crippling XXXX. I started to overthink about the reason why this happened. I did not harm anyone ; I tried my best to do good and offer help and was finally improving my mental health so why me??? That was my thought process, so I gave up looking for answers and resigned to my fate, thinking that it was not that serious If they did not explain to me in full details. Few months later, I attempted to open a new bank account at XXXX XXXX XXXX after not having one for a while. Alarms began to ring when I couldn't, I still did not get any information as to why and was told to try again later. I was reminded of the previous abrupt account closure. I explained what happened to the banker that attended to me but was instructed to take it up with XXXX, which I did. I called the customer service line but they were of no help to me. So I opened a XXXX account because I started working and needed one for my payroll. My intense XXXX eased up as time went by and I eventually buried about that incident to protect my sanity. \n\nNow, I am a XXXX fresh XXXX  XXXX, ready for new beginning and to launch into the adult world but this issue is holding me back. On XX/XX/XXXX, I decided to open an account at XXXX and XXXX but was met with the same rejection. It broke me down horribly and made me XXXX  XXXX. What went wrong?? Why is this issue still persistent? What did I do wrong? What is the reason?? I contacted XXXX  and early warning for a current consumer file disclosure report because that was what I was advised to do online. I did so and finally saw the reason for the closure and rejection. It stated \" Checking Account Fraud '' ... excuse me what?! I was puzzled because it was my first time seeing that. I wish I got that information earlier then I would not have been complacent and relaxed with the way I handled the situation. I wished I got the proper information about this in school and prior to opening the account. \n\nI called XXXX XXXX XXXXXXXX and was told the same thing as before that \" they just decided to close the account and as per agreement that's all the information they can provide ''. Hearing that completely broke me because what do I do? I wish the bank was upfront with me and told me everything so this would have been resolved the moment it happened. I became overwhelmed with regret on my stupidity, lack of information, dismissive attitude and wish I had a sense of urgency and appropriate information of fraud, personal information security, and how to combat such incident at the time of occurrence. I started doing something I should have done a long time ago. Backtracking my emails to around the time of the closure. Younger me seldomly checked my emails because I did not feel the need to it unless it occurs to me to do so. Then I saw emails of online banking password reset few days prior to the time I found out about my account restricted access, dispute claims, and a hold on a check of {$4700.00} at XXXX XXXX  on XX/XX/XXXX. All which I had no knowledge of. I was a short-time braider to earn money for my upkeep so i got paid with cash. I had minimal knowledge about checks since I never used them. I started thinking back to all the times that I let friends, clients, and a few strangers use my phone for a while to make calls or something else due to my younger self lack of caution and security. I was brought up with the \" sharing is caring '' and \" to do good always '' principle so I thought that being selfless was the best thing to do to help others. Identity theft and fraud was the main cause of this issue after doing my findings online. Letting my friends have my phone password and sometimes use my social media account because I thought that level of transparency was okay since we were close. My experience being XXXX  in XXXX  and XXXX XXXX  made me a people pleaser which encouraged my selfless character. I also remembered when my naive younger self would often click on links sent to me by unknown because I was curious or gullible to fall for those \" click to redeem gift '' pop-ups that would cloud my screen on XXXX without thinking much of it. Remembering the time when I used the same email and password for almost all my accounts. If only I knew! I know better now. I am extremely heartbroken because I am suffering of a crime, I know nothing of. This made me very cynical and affected the way I related to others. It also brewed resentment to people around me because it made me unable to trust anyone. The dream of a wonderful adult life is crumbling right before my eyes before I even started. I can't sleep and eat because of this issue. I start my big girl job soon but feel stagnant because of this issue. I am currently vulnerable and pleading for help. \n\nThis issue is depriving me of buying a car, getting insurance, and moving out of my parents ' house due to not having a real bank account or credit card. XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to stress which is starting to affect my XXXX  condition. I am losing sleep and can not eat because of this. I am self-harming to distract myself from the chaos in my mind and filled with so much anguish and embarrassment regarding this. Please, I just want this problem rectified and awareness of the prevalent of identity fraud to stop this from repeating itself. Make fraud awareness, and security updates semi-annually mandatory. Urge consumers to change their password and update security setting every 4 months and to check emails daily. Feel free to use my experience as an example for everyone because I will never wish for this to happen to anyone. I want the fraud claim disputed please. I am reaching my breaking point and do not know if I can take this anymore. I have cried enough and done as much as I can. This is beyond me. I will try my best to include as much documents as I can. Please rectify this issue. \n\nThank you so much for your time reading and your assistance. I look forward to feedback. Please feel free to contact me if extra information is needed! \n\nWarm regards.","date_sent_to_company":"2025-08-14T15:27:54.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"15293637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-08-14T15:20:04.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Please, I just want this <em>problem</em> rectified and awareness of the prevalent of <em>identity</em> fraud to stop this from repeating itself. Make fraud awareness, and security updates semi-annually mandatory. Urge consumers to change their password and update security setting every 4 months and to check emails daily. Feel free to use my experience as an example for <em>everyone</em> because I will never wish for this to happen to anyone. I want the fraud claim disputed please."],"issue":["<em>Problem</em> with a company's investigation into an existing issue"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[10.071455,"15293637"]},{"_index":"complaint-public-v1","_id":"7164199","_score":8.94833,"_source":{"product":"Debt collection","complaint_what_happened":"Im not complaining that XXXX XXXX  and Elan Accountant Services did anything wrong. Yet. I am sending this form simply so I can document all of the following.\n\nTo XXXX XXXX and Elan Account Services: Unfortunately, I can no longer feasibly pay you anything. This situation is indefinite. My accounts with you have already been in default with you for a while. The little bits of money Ive been sending you for the past couple of years were just my sign of good faith to keep the accounts semi-alive so you wouldnt lose your Statute of Limitations to collect it. Right now, I need to cling to any spare cash I have and I need to use it to pay any lawyer I can find to help me. \n\nSeveral of my other creditors has thrown laws, Federal regulations, consumer privacy, and courtroom decency to the curb. And OH BOY, do I need to fight them to save my own life. This debt that I owe to you IS my fault in legal terms, but it ISNT my fault in all realistic practical terms. What Im about to copy and paste will elaborate on that whole issue. \n\nAll of my other past-due creditors have dropped out one by one from their various violations. I can barely pay you guys enough as it is, but Im not paying ANYTHING if youre going to break the law. As far as I can tell, XXXX XXXX and Elan Account Services are my last two good ones.\n\nThis will be probably be the last contact you hear from me until either I win some massive legal lottery, or Im in the process of declaring bankruptcy. Im PRAYING youll understand and you wont turn into the ugly, scary, overwhelming monsters several of my other creditors have turned into.\n\nIf you need to contact me for anything, PLEASE PLEASE PLEASE only put it in writing. You have my current home address and my personal XXXX  address. Thank you.\n\nBelow is the complaint I sent to XXXX  XXXX  through the PA Attorney General and the CFPB on Friday night, XXXX XXXX If nothing else, please just read it and consider it in all of your future legal decisions. \n\nXXXX  REPORT STARTS HERE: XXXX XXXX is trying to sue me in a highly suspicious bully move. I have an account with them that I have been paying through their collector, XXXX XXXX XXXX The account entered collections about two years ago and I've been trying to pay little tiny bits of it just to keep it semi-alive and avoid the situation where we've arrived. XXXX  has made no attempts to contact me or demand more from me. The last contact I ever had with them was the original debt letter sometime around XXXX.  \n\nIf nothing else, this is a bully move that will only result in a bankruptcy filing if it continues any further. They're trying to sue someone with nothing left to give them. I share a house in my mother's name, and she's close to XXXX  years old living off social security. I live almost paycheck to paycheck with a little wiggle room of a few hundred dollars each month, and that's going to shrink more as soon as student loans resume. The biggest piece of property in my name is my XXXX  car, which is financed until the end of XXXX. The only other big thing I own is a 401(k) split between 10 funding sources with around XXXX saved up, but I have no intention on touching that for the next three decades.\n\nPart 1 of my complaint. The following things Im going to say are NOT something Im blaming XXXX  of doing. Ill just try to provide some context to how things arrived at their current state.\n\nDad died from XXXX XXXX in XXXX. Mom and dad have been divorced since I was about XXXX, and the family picture has been weird, to give you the very, very, simple version. Starting from the end of XXXX, stepmom (and whoever else was encouraging her) was doing some VERY criminal things just to play games with me. Withholding info about dads life insurance in XXXX, and then saying Duhhh I forgot. Committing probate abuse / financial fraud / SOMETHING in early XXXX, where she staged a fake paperwork fiasco that delayed the annuities dad left me and my brother for an extra month. The month AFTER her underhanded annuity hijinks, someone with access to my then-current XXXX XXXX went on an online shopping spree for fancy ladys shoes and cosmetics gift cards. I know she had access to that account number because I gave it to her in an attempt to help her with the plane tickets to the funeral. She would also have access to my SSN from my dads records (Keep this detail in mind. Its going to come up later!)\n\nDad wanted us to all be a happy family together. I was there at his bedside six weeks before he died when he said it to me. He was so happy, all things considered. Now NO ONE on his side related to me legally or biologically will say a XXXX to me!\n\nThe Michigan probate attorney who originally handled the process in XXXX, XXXX XXXX XXXX, turned out to be a totally corrupt clown who shouldnt be trusted in any kind of legal practice. In XXXX, I was frantically sending out inquiries to every probate/family attorney I could find near dads district. XXXX replied to one of them by setting a phone conference where HE called ME. We talked for about half an hour while he tried to play pretend-therapist. But the problem with him is, he never sent out probate notifications my brother and I were legally required to see as interested parties written in dads will. When I reported this to Michigan Attorney Grievance Commission later in XXXX, XXXX wrote a long-winded legalese response to the Commission where he completely lied and said he never called me. Afterwards, he sent me a final email where all he said was Have a nice life! Other lawyers from that district have told me the legal timeline on the original probate could still be open right now because the original forms were never properly served. At the end of the day, XXXX is partially or wholly responsible for setting in motion the Dont give an XXXX XXXX my family has used in everything theyve done toward me ever since. His job was to explicitly PREVENT something like this, and then he practically laughed in my face about it!\n\nHeres where it gets overwhelmingly creepy: There is a local car dealership in XXXX XXXX PA, XXXX XXXX (now apparently XXXX XXXX) that was messing with my car GAP insurance in late XXXX and early XXXX. If you ask them about it today, theyll tell you Oh but we were so prompt and courteous when we were handling XXXX XXXX  paperwork. Well, I dont know what alternate dimension theyre living in these days, because I have the whole e-mail chain from their finance lady XXXX XXXX showing thats absolutely untrue. She was lying to me constantly. She was delaying things. When I finally got the Pennsylvania AG Consumer Protection involved mid-way through XXXX, she sent the paperwork in for the second time or the third time, and I magically had my missing insurance refund about a month later. \n\nI can almost guarantee you she NEVER sent in the paperwork to the insurance company until it became a legal complaint. She was lying, and dragging me along, and testing me the ENTIRE TIME. Why did she do that? Who put her up to it? Im NEVER allowed to know! I did eventually receive the small refund amount that was due to me, but XXXX XXXX was still committing some form of insurance fraud and consumer abuse for six months before that. Now they keep spamming me with physical ad mail that Ive told them repeatedly to stop, and they ignore me. And Ive opened new complaints through the AG telling them to stop the mail, and they ignore those too. Now the local XXXX XXXX Police are involved.\n\nWhen we got to around XXXX XXXX in the car insurance fiasco, XXXX started using COVID as an excuse in her e-mails explaining why everything was taking so long. Thats the moment my brain said Enough is enough and I got the AG involved. \n\nI have an uncle on moms side who died from XXXX at the end of that year. He was a XXXX XXXXXXXX XXXX. Thats a GREAT association thats always going to be on my mind!\n\nSomewhere out there, in the realm of hypothetical lawsuits I could file if I ever truly knew what was going on, is an accumulated sum of dollar signs. And Im betting more than one person owes me some jail time. Whether the problem is dads will was never valid in the first place, or it was all the crime and fraud and the abusive gaslighting and the online trolling that happened in the years afterwards, Im being illegally blocked from accessing SOME amount of money. What is that amount? How many different people owe me something? I have no way of knowing, and I have no way of even trying to estimate.\n\nFor the longest time in XXXX to XXXX (before EVERYONE on dads half of the family just completely turned me into a non-person), I would be at my wits end over this credit card / identity theft stuff, and the ONLY response Id sometimes get back is someone saying But the will was valid! When Im not even talking about THE WILL! What does the will have to do with this? If dad were still alive, and he saw how these fine folks were treating me, the will wouldnt even EXIST in the form it was executed. THATS how the will factors into this! Its waste of time arguing anything else about it!\n\nMy family members have been doing everything in their power to financially rob me since at least XXXX. The debt situation were now arguing about didnt start snowballing until XXXX when I needed to take out bigger consolidation loans and traded in my XXXX XXXX for a cheaper XXXX XXXX (which lowered my monthly loan payments by about $50, AND triggered the GAP insurance fiasco at XXXX XXXX).\n\nIve got a few new words to say to this car dealership as soon as I finish writing this report. Im currently in a middle of a police case for NEW mail they keep sending me even after I keep telling them to stop that, and I opened a NEW AG case against them on XXXX XXXX. Weve almost reached the deadline the AG gave them, and it doesnt sound like theyre responding to anyone. \n\nPart 2 of my complaint. The following thing Im going to say IS directly related to XXXX, and its where the suspicious part of my complaint comes into play. \n\nThis is a recap of the past six months alone: In XXXX, someone with access to my SSN fraudulently ATTEMPTED (and failed) to open a rewards credit card at XXXX XXXX in my name. In XXXX, someone fraudulently DID open a rewards credit card at the same bank and mailed it to me. In XXXX someone tried to open an online deposit account at XXXX XXXX XXXX. In every case, it was someone who applied for the accounts and then had all the account welcoming info sent to my physical address or my XXXX account. Ive been working with the local XXXX XXXX police for the past three months, but the leads are narrow, to say the least. I cant send them to arrest a phantom.\n\nLast month, ANOTHER debt collector (XXXX XXXX XXXX) violated the FDCPA by trying to call me when they were requested in writing to only contact me by mail or e-mail (so I always have a paper trail). The complaint I submitted to them through the CFPB and the Pennsylvania AG made their current collector instantly give up and spit the debt back to XXXX \n\nToday (XXXX), XXXX comes into the case with NO warning, NO attempt to contact me nicely, and slams a civil complaint straight through the District Justice office. \n\nWhen the identity theft started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing identity fraud? And now one of them is trying to sue me? Thats a very disturbing and disgusting thought, if theres any truth in it. \n\nWhat I would like as a resolution: My main goal in submitting this complaint is just say XXXX, please chill out. Ideally, it would be a You leave me alone, you get your stuff off my credit reporting, and we just never do business again type of resolution. But just a simple Please chill out will work for right now. I would LOVE to wake up tomorrow with just a $XXXX balance on everything, and if I still wind up in the same spot another seven years from now, at least Id know its totally my fault this time. But I realize a consumer complaint against XXXX  alone is never going to accomplish that.\n\nXXXX XXXX: If youre reading all of this, and youre taking everything Im saying into consideration, and you still really want to do this legal thing on XXXX XXXX thats just going to lose some money for you and possibly KILL me, then I guess my final words to you are: See ya there. I dont know what else to tell you.\n\nOther parties involved in this complaint: Im sending the same report against XXXX  to the Pennsylvania AG and CFPB.  I will be contacting XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police next week to update him about the XXXX XXXX XXXX XXXX problem. I will call XXXX XXXX XXXX District office to notify her of my intent to submit my defense on XXXX XXXX. AND I will begin a new frantic search for a debt collection defense attorney, since Im completely alone in the dark right now. Im really nervous everyone is going to just recommend I accept the default judgment and file straight to bankruptcy, which was NEVER my intention here.","date_sent_to_company":"2023-06-25T22:04:28.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"159XX","tags":null,"has_narrative":true,"complaint_id":"7164199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-06-25T21:55:50.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["For the longest time in XXXX to XXXX (before <em>EVERYONE</em> on dads half of the family just completely turned me into a non-person), I would be at my wits end over this credit card / <em>identity</em> <em>theft</em> stuff, and the ONLY response Id sometimes get back is someone saying But the will was valid! When Im not even talking about THE WILL! What does the will have to do with this? If dad were still alive, and he saw how these fine folks were treating me, the will wouldnt even EXIST in the form it was executed."]},"sort":[8.94833,"7164199"]},{"_index":"complaint-public-v1","_id":"7163969","_score":8.934139,"_source":{"product":"Debt collection","complaint_what_happened":"Im not complaining that Discover Card and XXXX XXXX XXXX did anything wrong. Yet. I am sending this form simply so I can document all of the following.\n\nTo Discover Card and XXXX XXXX XXXX: Unfortunately, I can no longer feasibly pay you anything. This situation is indefinite. My accounts with you have already been in default with you for a while. The little bits of money Ive been sending you for the past couple of years were just my sign of good faith to keep the accounts semi-alive so you wouldnt lose your Statute of Limitations to collect it. Right now, I need to cling to any spare cash I have and I need to use it to pay any lawyer I can find to help me. \n\nSeveral of my other creditors has thrown laws, Federal regulations, consumer privacy, and courtroom decency to the curb. And OH BOY, do I need to fight them to save my own life. This debt that I owe to you IS my fault in legal terms, but it ISNT my fault in all realistic practical terms. What Im about to copy and paste will elaborate on that whole issue. \n\nAll of my other past-due creditors have dropped out one by one from their various violations. I can barely pay you guys enough as it is, but Im not paying ANYTHING if youre going to break the law. As far as I can tell, Discover Card and XXXX XXXX XXXX are my last two good ones.\n\nThis will be probably be the last contact you hear from me until either I win some massive legal lottery, or Im in the process of declaring bankruptcy. Im PRAYING youll understand and you wont turn into the ugly, scary, overwhelming monsters several of my other creditors have turned into.\n\nIf you need to contact me for anything, PLEASE PLEASE PLEASE only put it in writing. You have my current home address and my personal XXXX  address. Thank you.\n\nBelow is the complaint I sent to XXXX  XXXX through the PA Attorney General and the CFPB on Friday night, XXXX XXXX If nothing else, please just read it and consider it in all of your future legal decisions. \n\nXXXX  REPORT STARTS HERE:\n\nXXXX  XXXX is trying to sue me in a highly suspicious bully move. I have an account with them that I have been paying through their collector, XXXX XXXX XXXX. The account entered collections about two years ago and I've been trying to pay little tiny bits of it just to keep it semi-alive and avoid the situation where we've arrived. XXXX has made no attempts to contact me or demand more from me. The last contact I ever had with them was the original debt letter sometime around 2021.  \n\nIf nothing else, this is a bully move that will only result in a bankruptcy filing if it continues any further. They're trying to sue someone with nothing left to give them. I share a house in my mother's name, and she's close to XXXX years old living off social security. I live almost paycheck to paycheck with a little wiggle room of a few XXXX dollars each month, and that's going to shrink more as soon as student loans resume. The biggest piece of property in my name is my XXXX car, which is financed until the end of XXXX. The only other big thing I own is a 401(k) split between 10 funding sources with around XXXX saved up, but I have no intention on touching that for the next three decades.\n\nPart 1 of my complaint. The following things Im going to say are NOT something Im blaming XXXX  of doing. Ill just try to provide some context to how things arrived at their current state.\n\nDad died from XXXX XXXX in XXXX. Mom and dad have been divorced since I was about XXXX, and the family picture has been weird, to give you the very, very, simple version. Starting from the end of XXXX stepmom (and whoever else was encouraging her) was doing some VERY criminal things just to play games with me. Withholding info about dads life insurance in XXXX, and then saying Duhhh I forgot. Committing probate abuse / financial fraud / SOMETHING in early XXXX, where she staged a fake paperwork fiasco that delayed the annuities dad left me and my brother for an extra month. The month AFTER her underhanded annuity hijinks, someone with access to my then-current Discover card went on an online shopping spree for fancy ladys shoes and cosmetics gift cards. I know she had access to that account number because I gave it to her in an attempt to help her with the plane tickets to the funeral. She would also have access to my SSN from my dads records (Keep this detail in mind. Its going to come up later!)\n\nDad wanted us to all be a happy family together. I was there at his bedside six weeks before he died when he said it to me. He was so happy, all things considered. Now NO ONE on his side related to me legally or biologically will say a PEEP to me!\n\nThe Michigan probate attorney who originally handled the process in XXXX, XXXX XXXX XXXX, turned out to be a totally corrupt clown who shouldnt be trusted in any kind of legal practice. In XXXX, I was frantically sending out inquiries to every probate/family attorney I could find near dads district. XXXX replied to one of them by setting a phone conference where HE called ME. We talked for about half an hour while he tried to play pretend-therapist. But the problem with him is, he never sent out probate notifications my brother and I were legally required to see as interested parties written in dads will. When I reported this to Michigan Attorney Grievance Commission later in XXXX XXXX wrote a long-winded legalese response to the Commission where he completely lied and said he never called me. Afterwards, he sent me a final email where all he said was Have a nice life! Other lawyers from that district have told me the legal timeline on the original probate could still be open right now because the original forms were never properly served. At the end of the day, XXXX is partially or wholly responsible for setting in motion the Dont give an XXXX attitude my family has used in everything theyve done toward me ever since. His job was to explicitly PREVENT something like this, and then he practically laughed in my face about it!\n\nHeres where it gets overwhelmingly creepy: There is a local car dealership in XXXX XXXX PA, XXXX XXXX  (now apparently XXXX XXXX) that was messing with my car XXXX insurance in late XXXX  and early XXXX. If you ask them about it today, theyll tell you Oh but we were so prompt and courteous when we were handling XXXX XXXX paperwork. Well, I dont know what alternate dimension theyre living in these days, because I have the whole e-mail chain from their finance lady XXXX XXXX showing thats absolutely untrue. She was lying to me constantly. She was delaying things. When I finally got the Pennsylvania AG Consumer Protection involved mid-way through XXXX, she sent the paperwork in for the second time or the third time, and I magically had my missing insurance refund about a month later. \n\nI can almost guarantee you she NEVER sent in the paperwork to the insurance company until it became a legal complaint. She was lying, and dragging me along, and testing me the ENTIRE TIME. Why did she do that? Who put her up to it? Im NEVER allowed to know! I did eventually receive the small refund amount that was due to me, but XXXX XXXX was still committing some form of insurance fraud and consumer abuse for six months before that. Now they keep spamming me with physical ad mail that Ive told them repeatedly to stop, and they ignore me. And Ive opened new complaints through the AG telling them to stop the mail, and they ignore those too. Now the local XXXX XXXX XXXX are involved.\n\nWhen we got to around XXXX XXXX in the car insurance fiasco, XXXX  started using COVID as an excuse in her e-mails explaining why everything was taking so long. Thats the moment my brain said Enough is enough and I got the AG involved. \n\nI have an uncle on moms side who died from XXXX at the end of that year. He was a retired fire fighter. Thats a GREAT association thats always going to be on my mind!\n\nSomewhere out there, in the realm of hypothetical lawsuits I could file if I ever truly knew what was going on, is an accumulated sum of dollar signs. And Im betting more than one person owes me some jail time. Whether the problem is dads will was never valid in the first place, or it was all the crime and fraud and the abusive gaslighting and the online trolling that happened in the years afterwards, Im being illegally blocked from accessing SOME amount of money. What is that amount? How many different people owe me something? I have no way of knowing, and I have no way of even trying to estimate.\n\nFor the longest time in XXXX to XXXX (before EVERYONE on dads half of the family just completely turned me into a non-person), I would be at my wits end over this credit card / identity theft stuff, and the ONLY response Id sometimes get back is someone saying But the will was valid! When Im not even talking about THE WILL! What does the will have to do with this? If dad were still alive, and he saw how these fine folks were treating me, the will wouldnt even EXIST in the form it was executed. THATS how the will factors into this! Its waste of time arguing anything else about it!\n\nMy family members have been doing everything in their power to financially rob me since at least XXXX. The debt situation were now arguing about didnt start snowballing until XXXX when I needed to take out bigger consolidation loans and traded in my XXXX XXXX for a cheaper XXXX XXXX (which lowered my monthly loan payments by about XXXX, AND triggered the XXXX XXXXnsurance fiasco at XXXX XXXX).\n\nIve got a few new words to say to this car dealership as soon as I finish writing this report. Im currently in a middle of a police case for NEW mail they keep sending me even after I keep telling them to stop that, and I opened a NEW AG case against them on XXXX XXXX. Weve almost reached the deadline the AG gave them, and it doesnt sound like theyre responding to anyone. \n\nPart 2 of my complaint. The following thing Im going to say IS directly related to XXXX, and its where the suspicious part of my complaint comes into play. \n\nThis is a recap of the past six months alone: In XXXX someone with access to my SSN fraudulently ATTEMPTED (and failed) to open a XXXX credit card at XXXX XXXX  in my name. In XXXX someone fraudulently DID open a XXXX credit card at the same bank and mailed it to me. In XXXX someone tried to open an online deposit account at XXXX XXXX XXXX. In every case, it was someone who applied for the accounts and then had all the account welcoming info sent to my physical address or my XXXXXXXX  account. Ive been working with the local XXXX XXXX XXXX for the past three months, but the leads are narrow, to say the least. I cant send them to arrest a phantom.\n\nLast month, ANOTHER debt collector (XXXX XXXX XXXX) violated the FDCPA by trying to call me when they were requested in writing to only contact me by mail or e-mail (so I always have a paper trail). The complaint I submitted to them through the CFPB and the Pennsylvania AG made their current collector instantly give up and spit the debt back to XXXX. \n\nToday XXXX), XXXX comes into the case with NO warning, NO attempt to contact me nicely, and slams a civil complaint straight through the District Justice office. \n\nWhen the identity theft started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing identity fraud? And now one of them is trying to sue me? Thats a very disturbing and disgusting thought, if theres any truth in it. \n\nWhat I would like as a resolution: My main goal in submitting this complaint is just say XXXX, please chill out. Ideally, it would be a You leave me alone, you get your stuff off my credit reporting, and we just never do business again type of resolution. But just a simple Please chill out will work for right now. I would LOVE to wake up tomorrow with just a XXXX  balance on everything, and if I still wind up in the same spot another seven years from now, at least Id know its totally my fault this time. But I realize a consumer complaint against XXXX alone is never going to accomplish that.\n\nXXXX XXXX: If youre reading all of this, and youre taking everything Im saying into consideration, and you still really want to do this legal thing on XXXX XXXX thats just going to lose some money for you and possibly XXXX  me, then I guess my final words to you are: See ya there. I dont know what else to tell you.\n\nOther parties involved in this complaint: Im sending the same report against XXXX  to the Pennsylvania AG and CFPB.  I will be contacting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX next week to update him about the XXXX XXXX XXXX dealership problem. I will call XXXX XXXX XXXX District office to notify her of my intent to submit my defense on XXXX XXXX. AND I will begin a new frantic search for a debt collection defense attorney, since Im completely alone in the dark right now. Im really nervous everyone is going to just recommend I accept the default judgment and file straight to bankruptcy, which was NEVER my intention here.","date_sent_to_company":"2023-06-25T21:54:53.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"159XX","tags":null,"has_narrative":true,"complaint_id":"7163969","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-06-25T21:35:21.000Z","state":"PA","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["When the <em>identity</em> <em>theft</em> started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing <em>identity</em> fraud? And now one of <em>them</em> is trying to sue me?"]},"sort":[8.934139,"7163969"]},{"_index":"complaint-public-v1","_id":"3357398","_score":8.497333,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, After marrying United States XXXX XXXX   XXXX XXXX in XX/XX/XXXX, my husband and I naturally choose to open a joint checking account in XX/XX/XXXX with his already existing USAA account. We made the call together and answered all of the questions that were probed. My husband is the primary account contributor and account holder as I have a different bank. All was well until I received a call from USAA on XX/XX/XXXX during my lunch break at work. I thought this call was in regards to a flood claim that was denied, but the representative stated I had some missing information from my membership profile. I thought the call was very odd as they were requesting some personal financial information ( estimated net worth, annual income, etc. ) that was required by the Patriot Act that I answer. I was worried it was a scam so I decided it would be best to call them myself the next day. I first looked specifically at the Patriot Act ( 2001 ),  Bank Secrecy Act ( BSA ), and Gramm-Leach- Bliley Act ( GLBA 1999 ). I learned two were designed after XX/XX/XXXX to help detect terrorism, money laundering, and illegal activities and the other to protect financial privacy. Turns out all that is required under Section 326 : Verification of Identification of the Patriot Act is : Name, Date of Birth, Social Security Number, ( to confirm they are a US citizen ), Address, and comparison with government lists of known/suspected XXXX activity ( usually referred to as banking systems ). This is in addition to record keeping as a requirement of the Treasury. All of which are used to verify the identity of the personwhich is understandable and I agree necessary. Yet, nowhere does any federal regulation however require financial information, despite USAAs claims. All of the following summaries below were direct recorded conversations, and I am willing to share them if needed. I am hoping to get confirmation that this information is required by federal law, and if it is not, I would like to take legal action against USAA as I believe it is a violation of my financial protection rights. What follows is quite extensive, but felt it imperative I be comprehensive. \nOn XX/XX/XXXX I called USAA myself to confirm their claim. The agent demanded the information was required by federal law by the Patriot Act and Bank Secrecy Act and that I was required to answer the personal finance questions. I was informed if I did not answer the questions the account would be closed or our assets frozen. I was confused why the needed information was not gathered when we opened the account and was uncomfortable about the questions as it didnt seem it was a federal regulation, so I requested to speak to a manager. The following conversation was with XXXX, of the executive resolutions team, as the senior advisor at USAA : I enquired, did I sign your privacy notice? After we determined it is never actually signed, in regards to my privacy, she checked and confirmed my privacy preference is share. I asked, What changed where you are now required to get my information since you didnt get it before as it is required by federal law? Or is it not required and this is just something that USAA is doing? She replied, No this is something that is required for secondary account holders by the federal law. So I inquired, When we opened the account you claim we used the primarys ( my husbands ) information and that has been sufficient for the last year. This isnt my primary account I have a different bank. So why all of the sudden now are you threatening to inactivate our account if I dont give you this information? If it wasnt required before what makes it required now? The only answer Ive gotten is that it is federal law ; so either you werent compliant with federal law and are now being required to get the information, or it is for your own interest. I would like to know what those interests are, what you are going to do with this information, if you are going to be sharing any of this information, or using it for rates or other data then I am required to view the privacy notice for you to do that. So I am confused. As I was not the primary account holder, I was told I was not allowed to get access to the information we provided when the account was opened. I would have to wait for my husband to be present. \nIn the meantime, I reached out to my personal bank on XX/XX/XXXX. They advised me NOT to share this information as it is not a federal law and could be shared. I decided to take another step further and speak to XXXX XXXX on XX/XX/XXXX, another Federal Bank to see if this information was indeed required by all other banks as USAA claimed. I spoke to manager XXXX and the conversation went as follows : I wondered what questions she would be asking us or what information would they need to open a joint account and she stated, IDs, maiden name, SSN, DOB. While they may have different policies, as for it being a law, all banks would be following it, as far as I know it is not considered a law. Even if there are financial questions that we may ask you for loans, credit card, or investment accounts, they are up to you if you want to answer. This confirmed my research that it was not a federal requirement. \nLater the same day of XX/XX/XXXX, when my husband was home, we spent two hours on the phone to try and get some answers. First, was with USAA agent XXXX. In summary we challenged why this information wasnt provided when the account was opened, this was due to periodic reviews of accounts, the accounts who have not answered these questions are being notified they do need to answer the questions. We had wanted to view the paperwork when the account was opened, but she did not have the information because, we do not have that information to see. It is at the back office where they opened the account. We insisted to be transferred to them stating she would be right back with us. We waited on hold for over 45 minutes, with no answer and never spoke to her again. \nOn our next attempt we decided to call as if we were opening an account to see how that department would answer our questions. After talking to USAA representative XXXX, we were told I should be able to access any information even though I am not the primary contrary to what I have been told prior. XXXX stated we have to ask financial information as all banks do. After waiting on hold for another 10 minutes for him to review the notes, and the nature of our call he stated again, I do not have access to see the information or the answers that were provided when you opened the account. I work in XXXX and XXXX in XXXX XXXX XXXX. He did confirm that he was asking those same questions when accounts were being opened now : annual income, estimate net worth, occupation, etc.. He stated there are other regulations that require income information under customer due diligence under regulation D and various banking regulations. He was not able to send me information about due diligence so we were conferenced in to Senior with Executive resolutions XXXX ( CEO member relations? ) : XXXX tried to assist us in trying to figure out what information we provided when opening the account. She stated, let me explain to you whats going on. You would not have gotten this information when you opened your account. There was an enhancement to the Patriot Act last year [ XXXX ]. So, this year, all the banks have to comply with the enhancement of the Patriot Act. So those questions like your employment, your income, things like that. So those are a federal regulation now that banks are required to collect this information as part of the customer due diligence information to better get to know your customers ( KYC ) due to all of the terrorism, and things like that going on. We stated we thought we answered our annual income and other questions when we opened the account. She stated each person on the account needed to provide separate information even though we were married. XXXX directed me to the FDIC.gov website to search Customer Due Diligence ( CDD ) which I did. I told XXXX that my personal bank advised I do not give this information as they were not required to and she stated, well they will be. This is a federal regulation that went into effect. XXXX confirmed we started asking these questions this year, but the law went into effect last year so the banks now have to go in and get this information from account holders. I told her all that I could find in regards to the laws were name, date of birth, SSN, and she articulated, It will state other information on that website regarding the customer due diligence where you can ask certain information. On the website I saw nothing even closely related to financial information being required on the CDD update. We repeated to request to see what information was given upon opening of our joint checking account before we add to anything, in hopes to make any information accurate and true. XXXX then stopped answering our questions, and transferred us again to the back office that never answered the phone while hanging up. We waited on hold for 15 minutes to no avail. \nThe final call, was still on XX/XX/XXXX, was the checking department where we spoke to representative XXXX. Irritated she also couldnt access the information we provided when we opened our account so we could verify what information we already provided. I educated her this information was required by the Patriot Act to be kept and maintained for 5 years. We were then compelled to be transferred to specialist XXXX for the next hour about the KYC and CCD questions. We exasperated explaining we were trying first to confirm what information they already had before adding more to it, then trying to better understand their requirement as it was not a federal law to provide financial information under the BSA, Patriot Act, or Due Diligence update. The conversation with XXXX on XX/XX/XXXX went as follows as is quite lengthy : I dictated Are you filing a SAR? I am not comfortable sharing the information as it increases my risk of identity theft, a data breach, you can share the information with credit bureaus, internal marketing, external marketing, joint marketing, and affiliates. I have not been told how this information will be protected, or how it is shared, or how you secure the information. I have been told I can not opt out, and it is a violation of the Gramm Leach Bliley Act of 1999 [ nor had I seen a privacy notice for XXXX ]. Until those questions are answered for me this is not allowed. She rudely exclaimed, So I will first say the majority of what you say is incorrect. It is absolutely required under the BSA and under the Patriot Act. Any large bank by FDIC regulation is required to abide by these laws. I agreed these are federal laws, but that financial questions are not apart of those laws. She stated, Yes they are Maam. I quoted section 326 of the Patriot Act, and she ignored it. She was able to confirm in the notations that they had my employment information, physical address, your social security number, date of birth, citizenship, and your full name. That is what we have on file. I stated that my annual income is not a requirement of a federal law as they are already able to verify my identity by the Patriot Act. She stated, yes, it is a requirement and I will agree to disagree. I requested to speak to legal to learn how they will protect and share and secure the information and opt me out of sharing. Id like them to show me the privacy notice from this year or you are not getting the information. I would like to speak to legal to hear on the record what they will do with the information to protect and secure it and opt me out of sharing or I am not going to answer. She replied, okay then your account will be closed. Our legal department does not reach out to customers regarding this matter because it is a standard matter and you absolutely are required. I stated, no other banks Ive spoken with are requiring this information and that is not true. She stated, that is it true and I dont need to speak to your banks as that would be a waste of my time. This conversation is not productive and you have received the same information from five different people. After threatening to end the call, she exclaimed, you have your opinion and it is not factual. I apologize if you disagree but that is not going to change the federal regulations. \nInstead of her ending the call, I stated there was something else she could help with in regards to why if this requirement came out in XX/XX/XXXX, why we werent asked upon opening the account in XX/XX/XXXX. She held there was an internal audit around the time we opened our account and found there was information that they did not have on file as I have already told you. It did not go out in mass issue to members as it would have overwhelmed their system and call volumes. It has just taken this long to get to my name. They have to go through all of their records from the XXXX, XXXX, and XXXX and so yes we have had to do that in groups. We had her confirm once my husband was on the phone that he had already answered the questions they have everything that they need on file for him but was not able to determine when or how he answered the questions. \nMy husband calmly stipulated are the questions different for my personal account because I thought when we opened our joint account, we did it at our combined income levels not separate. She simply said yes, so we reiterated, if they have the combined income of mine and hers together as one number, we needed access to it so we could separate it properly, instead of adding more to it which would change our risk factor. She detailed we can not have a joint answer for two people. However, she was not able to confirm what our annual income was for the account. I do not see it in front of me it is in the back-office records. I was troubled saying, if I gave you my annual income now, it could be potentially adding it to the joint income they may already have which wouldnt be accurate for the federal government She informed us, Their records department is a non-member contact, which is why you never got a response from them as they do not accept phone calls, they are a back office department. We tried to explain we had already been transferred to them twice today and she declared she didnt know how and she couldnt speak to what has happened on previous calls. We stated again we needed to either give us the information that is on our records right now, or we have to update them both together. XXXX described, what I update will just go through the system to records and add to it. There is no way to remove it even if he were to call and change it. No so these are general questions. All these are for it to be sure we can do mitigate risk and be sure that we can do risk monitoring for our members activity. Thats all it is for. So, we corroborated if we gave you the wrong information and were put into a different risk bracket that was going to be a problem. XXXX held, So no, you are misunderstanding what I am saying sir. We do not put you into brackets based on risk factors or anything like that. All it is, is to know if a member makes XXXX-XXXX and a wire comes in for a XXXX dollars that looks strange. That is all it is for. Just so we can have a gauge. Kind of a point a perception to go off of, a point of reference that is literally all it is. We stated in order to do that accurately, we would need to update our information together to separate it. She alleged, we do not have a way to update it, and my husband verbalized, then that is a problem for you not for me. She threatened, not necessarily because if you refuse to provide this information your account will be closed. I can not change an existing number ; I can input new data into the records system that is a form on your profile that is personally attached to you. It then gets sent to our back office for them to file. I can not change his because there is no place to input it. \nAs we expressed concern our direct deposits would be leaked into the account the following week she voiced, I could not find exactly a turn around time for when we needed to move our money out before the account closes. What I would have to do would be to put in a work order to the back office stating that you are refusing to answer the questions. Then at that time they review the account for closure. They would send out an official check with the remaining funds. The team that handles this, [ the MOET team ], it is not records. All direct deposits would be rejected go back to the sender, or if it is within a day or two it could force reopen it if it had not closed completely but usually goes back to the sender. Due to the inconvenience, my husband verified there was no way we could opt out of this, and she expressed, no sir it is a federal regulation. I struggled to get her to conference us into the MOET team who was handling this situation as seniors in the bank, however after being on hold for 20 minutes, she was not able to contact them. XXXX exclaimed she could no longer spent any more time with us to be available for other customers. She confirmed they were very backed up due to all of this going on and it is not a large department. I was frustrated that we would not be able to contact them ourselves and therefore our account would be closed. She confirmed there is no way to contact them by email, by direct number, or any other format by her understanding. This is because they do not use email for secured information. \nConsequently, on Saturday XX/XX/XXXX I realized the need to escalate the complaint so I could have someone call us back since the MOET team was not easily available before the account would be closed. A representative, XXXX, with the Executive Resolutions team, helped me to file a complaint and I was told I would be getting a call back from the CEOs office. She once more confirmed the information is used for banking regulations under the Patriot Act and passed in XXXX after XX/XX/XXXX. When it comes to the Patriot Act it advises us as a financial institution just making sure we are doing our customer due diligence we have to know who our customers are. That is ensuring that we know the individual that is with us here at USAA and what they are using the front for. If someone is using the account as money laundering or transferring money to foreign countries. So that we are not letting people move money around that shouldnt be moving money around. If we do not know our customers enough, you can be asked again and re-verify the information periodically to verify it is still accurate and on file. I reaffirmed in regards to due diligence we didnt have any foreign accounts, and my personal account was not at this bank, and my husband is the primary account holder for the joint checking account which they have his information. I confirmed no other federal banks are requiring these questions. I quoted the GLBA and that our last privacy notice was in XXXX and that was a concern and we are not being given the option to opt out. I tried to express my concerns of using the federal government phrase when it is not a federal requirement, and that it was a serious compliant. She agreed that I should speak to the MOET team. I articulated again they do not answer the phone and she agreed it is a busy department and that you have to wait as they are working overtime. Therefore, I was concerned it wouldnt be resolved in a timely fashion. In my attempt to reach the quality department no one answered again. I was confirmed the CEOs office would contact me within one business day after confirming my phone number on Saturday. \nTwo businesses days later on Tuesday XX/XX/XXXX, I conversed with XXXX from the CEOs office. I gave her a summary of my complaints that our documentation when the account was opened can not be verified, changed, or updated, thus denying us to potentially separate our incomes into two separate numbers. I explained the MOET team could not be reached. I also expressed concern about their requirement to answer the income questions as they are not a federal law for income information as I do not have a loan with them and am not a primary account holder. I told her I didnt appreciate being treated like trash, and be threatened to close my account stating it is a federal law when it is not. Intimidating people to answer questions when the federal government does not require income information and canceling accounts is a huge problem. XXXX stated she was trying to figure out when the account would be closed, but is still waiting from a response from the MOET team. She claimed, It is our current policy and our hands are being tied due to federal guidelines that are forcing us to change and ask these specific questions. I also know that if these questions are not being answered the account will more than likely be closed. They can inactivate the account and in other instances it will be closed. In order to get us into compliance we are being instructed we have to ask this. I requested, to see something official in a document file. I requested to see the policy by email or by mail. I stated that I would like to see that where it specifically asks for income information. She stated, she does not see them written down specifically to ask income questions. I inquired, then how do you know that as a fact? She admitted, I am still waiting for answers. As far as closing accounts we are covered by our depository agreement to do that. That has nothing to do with KYC and that they are closing accounts and inactivating them if the KYC isnt answered. She summarized my concerns and stated she would get back to me with hopefully answering all of my questions. \nOn Thursday XX/XX/XXXX I got another call from a different USAA representative trying to get me to answer the questions again. They stated they will call again in five business days, and then proceed to close the account if I do not answer the questions. She was unaware of the investigation in XXXX office. Later in the evening on XX/XX/XXXX, I spoke to XXXX for the second time. She stated they still will not tell me what the answers were upon opening our joint checking account. They will not update his information unless there was a new product that was applied for and that they will remain there unless a new product is applied for. I postulated, why can they not answer what they are? Do they not have the questions or the answers when the account was opened? Why cant they tell you? It concerns me they do not have them, which is a federal regulation of the Patriot Act they keep them on file. You said the information is under his [ husbands ] primary account. It is unacceptable they cant prove or say what our income is, but that they have it on file, how do they know what they have? It is my legal right to know what I answered, and you are telling me no that I cant have the information. She confirmed that my husband was asked CDD questions this XX/XX/XXXX through the USAA app detour. However, she does not have access to the questions and has been having computer problems all day and her co-worker never supplied them as requested. In regards to what document stated they need to ask income information, she specified it was under the CDD guidelines from the XX/XX/XXXX amendment in the four specific guidelines. She stated she could not distribute the internal document that requires it but did pass legal review and compliance. That is what they are using to fulfill the requirements of the four CDD guidelines. The privacy notice she stated was listed on the USAA website and was revised in XXXX and it has not changed since then, but it is delivered annually and it does state they collect income information. My guess is that is still the current privacy promise and it has not been updated since then but I will verify that. If the privacy promise hasnt changed the revision date it would be the last time that it was revised and therefore is the same. I questioned why the year wouldnt be changed for the new year ( XXXX ), and she stated it didnt need to. I was concerned by this because they are now collecting new income information but it didnt require any changes. \nXXXX verified that we did not answer the questions when the account was opened. I questioned this fact as she does not have access to those and has no idea what was actually requested or answered. This was because she was still trying to get that information from the MOET time. She admitted she does not know. I repeated until we know for sure, I do not want to add to a joint income balance, we can not proceed. If they are refusing to give it to her then thats a problem. In regards to the CDD questions, we determined they make up their own policy which I am not allowed to see stating that it requires income information. I recapped it applies to a USAA policy and is NOT A FEDERAL REQUIREMENT OR LAW. \nXXXX reasoned, when a regulator comes to look at us and asks how are you complying with the CDD guidelines that were outlined, we present them with the CDD questionnaire, period. That is how it relates to the CDD guidelines. It is our internal process and policy due to the government requirement. I argued, the government does not require everyone to answer income information. That is not true. Your institution is requiring that by yourselves. It is not a federal guideline to obtain income information for a joint checking account. Or for any account. Your bank is determining that and doing it all by themselves. Which, granted, you are compliant because you are getting name, DOB, and SSN which is all that is required. You are just going above and beyond thatwhich is fine if you want to. However, stating it is a FEDREAL LAW for me to give it to you is not the case. It is not a federal law for me to provide you my income information. There are laws that protect my financial privacy and I do not have to give it to you, which is why you can close my account and I can go somewhere else. If it was a federal requirement, I would be required at every other bank, which I am not. I spoke to six of the top bank executives in this country that are bigger than you and it is not a federal regulation. So, by you threating people and telling them that it isis a problem because it is not. Even when they called today, they said the same thing. USAA is requiring it, but it is not a federal law. She alleged, so that we comply. I repeated, it is required that you comply by confirming my identity with name, DOB, SSN, and address, running it through your banking system, and with my occupation. That is more than enough to verify someones identity which is all that the CDD requires. Your bank is going outside of that and getting income information. This is fine like I said, but it is not a federal requirement for me to specifically give you my income ; it is not. She finally admits, no it is a requirement of USAA in order for us to meet the guidelines. I again, it is not a federal requirement, it is USAAs requirement. I told her I had a screen shot on my phone it was a federal regulation, it is not. Do you understand? It is a problem. It is your regulation and thats it. It is just yours. She says, so we are in compliance with the federal regulation and the CDD requirements. I strained to clarify, we have been in compliance with you since we opened our account. Stating that if we dont answer the questions, we are not is a lie. And threatening to close my account with you is also a problem because you are stating it is a federal regulation when it is your regulation. Those are two very different things. You are still in compliance even if you were to take the income information out. She says, well not when our policy states that we have to obtain that information, we are not in compliance. I enlightened, even the OCC that regulates you doesnt require that. I could understand that you could close our account because we didnt meet your policy guidelines, thats fine. But telling me specifically it is because it is a federal requirement is not the case. It is not complaint with your policy and your policy alone. \nWe tried to go over it again. I replicated, It isnt because I am not being federally compliant with the law like you are claiming, it is that it is compliant with USAA policy, not the federal government. By you telling me it is a violation of the Patriot Act is not the case. By you telling me it is a violation of the BSA is not the case. By you telling me it is a violation of the XX/XX/XXXX CDD is not the case. Because those are federal laws. There is nothing in any of those laws that specifically require income. It does not exist. That is USAAs policy not the federal government. So by all of these conversations I have on recordings of you telling me that, all the screenshots, and documents, is a big problem. When asking about reaching out to legal she assures me, So legal has already went over our questions I was flustered, okay, are they aware that youre telling people it is a federal regulation for me to answer my income questions? If they were, they would be fixing it immediately as it is a USAA policy. I dont understand why you cant just say it is a USAA policy? Why are you throwing words around and trying to include the federal government when it is none of their business to ask me those questions. Are they aware you are asking them? Because the OCC was concerned [ I spoke to them on XX/XX/XXXX ]. Are they aware of that? That you are telling customers it is a federal requirement by the Patriot Act? No other big banks ask those questions, just you, because it is your own policy. She stated, I am understanding. \nFor additional confirmation, I called XXXX XXXX XXXX on XX/XX/XXXX as they are the second largest bank in the United States with assets worth {$2200.00} XXXX dollars in XXXX so figured it would be a worthy source. I spoke to XXXX, she stated to open a joint checking account they would need, license, 2 forms of id ( government and personal ), type of account, SSN, address. I have worked for the bank for 38 years and we have never requested income information. We do not ask net worth or income as it is not a government regulation. I can assure you if it was XXXX XXXX XXXX would be doing it. This was encouraging that asking personal financial information was indeed NOT a federal regulation. This was further established with two other local banks in my area to provide some additional ease. \nOn XX/XX/XXXX I spoke to XXXX of MI, OCC, and confirmed with CFPB, and MI Attorney General there is no requirement for financial information and each suggested I file complaints. I followed up with XXXX on XX/XX/XXXX and XXXX. She confirmed we have private settings, our account won't be closed until XXXX, but was unable to find any information from when the account was opened. She stated there were no issues with their privacy notice or way they are doing things and was approved by legal and compliance. I request help. I feel what USAA is doing is a violation of Section 326 of the Patriot Act, Record Keeping, and the GLBA. I am not comfortable with how they have conducted this process, and feel as though they are intimidating people to sacrifice their private financial information by manufacturing it is a federal law. To my knowledge we do not meet any of the BSA requirements that would make us candidates for filing a SAR. In recent legal cases vs.USAA in XX/XX/XXXX I want to make sure this is allowed and is not similar violation","date_sent_to_company":"2019-08-28T04:55:29.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"48125","tags":"Servicemember","has_narrative":true,"complaint_id":"3357398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-08-28T04:31:00.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The conversation with XXXX on XX/XX/XXXX <em>went</em> as follows as is quite lengthy : I dictated Are you filing a SAR? I am not comfortable sharing the information as it increases my risk of <em>identity</em> <em>theft</em>, a data breach, you can share the information with credit bureaus, internal marketing, external marketing, joint marketing, and affiliates. I have not been <em>told</em> how this information will be protected, or how it is shared, or how you secure the information."]},"sort":[8.497333,"3357398"]},{"_index":"complaint-public-v1","_id":"6359358","_score":8.489424,"_source":{"product":"Mortgage","complaint_what_happened":"I was accepted if I keep your home in California where they paid my mortgage for about a year to a year and a half. Due to my husband and I relationship was falling apart due to medical he had just been informed he had XXXX and I was going through a lot of medical problems at the same time and it was a stress on both of us he was the bread maker at the time. When the program had ended for me was during the beginning of when covid first hit at this time I had established a business but the city of XXXX made me close down to covid at the same time unfortunately I was losing family members left and right my sister-in-law, my uncle, my niece, my auntie, a family friend of over 30 years, my cousin, and my beloved who raised me my brother and my sister if it won battle after the next and my partner and I are still not together we try but there's so many optical courses then to come find out my battle with my medical has gotten more and worse than severe and medical field accidentally made a mistake and they need to find out if they shorten my life stand or not due to surgeries I've had in the past that they approved even though they are aware that I have and I am or surviving XXXX patient a XXXX XXXX that is XXXX at this time. so yes it's been very stressful finances have been very very hard I had to take welfare for short amount of time I'm no longer on that it's just been really hard well once my program has ended with keep your home of California they I asked if they could if I could extend it they said no the funds didn't come in for the funds did come in for payoffs for certain selective people I wrote a letter on my family and I'd be half for keep your home in California for how wonderful they are and what they've done for us and even if we weren't selected that I appreciate every single thing they did. I was selected for a payoff I filled the application I turned it in they turned it into Wells Fargo Wells Fargo signing documentation of payoff notice and everything else from keep your home of California keep your home with California said that they sent over a check how they wanted it I should receive my documentation I never received anything. So as far as I know my house is paid off and I own it because keep your home with California paid it for me but when questioning and asking there's no documentation there's nothing they don't know what I'm talking about the same thing goes for the insurance that I pay on my house the PMI or p i m and some other things that I pay which I found out searching and searching on the web that they're insurance I pay on the home through the bank when questioning the bank about that they don't know what they stand for they don't know anything about it they're lost I applied for modification over 10 times I kid you not and I always received the same response we didn't receive all your documents we didn't receive the documents for XXXX we didn't receive the documents for XXXX everything wasn't signed we're missing some documents you didn't find a little box for the tax paperwork you didn't do this you didn't do this as many times as I sent it they have every single thing they need but it's always we didn't receive something so we're canceling that we're canceling it we're canceling it they've been trying to steal my home for a while there was online possible foreclosure and my house was listed people have come to my house and drove 5 even stopped and ask me questions about me selling my home because they were saw it online looking up information I said from where they even said that Wells Fargo told them that's possible still from my house. I turned into documentation showing proof that I applied for covid-19 mortgage relief help and I was accepted and I'm waiting for funds to come in I also show proof that I applied for mortgage assistance program I was approved waiting for help on with that as well I sent them all documentation. they never inform me that there is anything else I can apply for do Wells Fargo except for when I kept calling I heard on the answering machine that there's another program I asked about this program they said that they couldn't give out any information that I have to find it online and apply for it I searched I believe it was the mortgage program but I'm not for sure cuz I didn't find anything else that kind of went with it they have been giving me the runaround ever since I was no longer with keep your home of California. I questioned them about my mortgage insurance that I purchased through XXXX homeowners insurance about coverage during the pandemic time and during the time of me not having income at this time and to do a claim they said I had to take that up with XXXX said that they don't know what I'm talking about I was looking at my insurance policy and it said something about that I went back to mortgage to get help they wouldn't help me. Mortgage company failed to pay my homeowners insurance under the escrow account when I pay my mortgage I put it I put money in there and when I have it I've been paying so that the money would be in there for property taxes and insurance and they fail to pay it and then charged me basically almost double what I was paying the triple a saying that I defaulted on my homeowners insurance when they're the ones that did it to the checkout when questioning XXXX they said we never received the payment from Wells Fargo mortgage. One questioning Wells Fargo they did not really have anything to say except for no we sent it out it got sent back to us but why they get sent back it doesn't State then in the file why it got sent back it just did well then why didn't you send another another one right back out no answer to that. Every time I try to make a partial payment for the last 6 months on my home which I am title too I have in the past all of a sudden now I'm unable to they send me back my partial payment and said that they can not accept it nor will they accept a partial payment on my mortgage why because when I call in and when I go into the office to the bank I'm entitled to make a partial payment they tell me yes you can make a partial payment you're fine with that why don't you making some type of payment on your mortgage but someone keeps stopping it and takes it out of my account and sends me the checks and then if I don't cash the checks they send me a letter telling me I need to cash the checks. I have sent through Wells Fargo Bank the modification paperwork and all the information they required of me and of XXXX through Wells Fargo Bank over three times they faxed it but modification says they never received it I sent it through XXXX  I have confirmed letters of all of this but they never received it for all the documents weren't there it was unreadable I sent it to my personal fax same excuses I sent it through mail regular same excuse certified same excuse certificate of knowing same excuse I tried uploading it but all the sudden now I don't have permission any longer to view everything on my account like I used to I'm limited someone made me limited as though I don't own my house that XXXX is the priority person but when purchasing my home throughout who sold it over to Wells Fargo it pacifically says on there XXXX 's name first a non-married man my name second and non-marie woman and if you keep reading on it says on there that I own the house I'm the one that paid for my house he was there for leave the job credibility that was it we were friends I used a friend to help me purchase my house because no other house told me that I needed a time frame of job and I had just moved out to XXXX I had just got laid off my job but almost 11 years working with XXXX I didn't have to inform them of that but I did and so I'm there for I needed a length of job over 5 years and my friends built in that spot for me she has nothing to do with my home he never paid he doesn't do anything for my home but they Wells Fargo choose to put everything in his name they even tried communicating without me and only to him they constantly say that they need update to my information I'm always constantly updating I understand that I go through numbers like no tomorrow cuz I have a problem with being hacked I have identity theft a lot and cybercrime and everything else I get that so I go in and out of numbers when I get scared that someone might be hacking it but they have my home address it hasn't changed they have my mailing address it hasn't changed in over 5 years I've had my mailing address for approximately 8 years now my home I've lived here for 10 since 2013 next year is my 10th year I worked so hard for what I have so hard for them to freaking steal it for me and take it from underneath me it's wrong. I saved God knows I say for so long my kids XXXX of my oldest ones were XXXX when they were very young for 8 years of my life my other oldest one was with his dad at the time so I did nothing but work that's all I did cuz I couldn't bear deal with the hurting pain of my children being gone and not being able to ever see them again or knowing if I will if I wouldn't know if they were searching for them I worked two jobs and then I went to school and then I worked at school later on I ended up picking a driving picking up check job so I ended up working three jobs and going to school and working at school I looked like that's how I had to Bear it because I couldn't bear it I had to put obstacles I had to put blockages in my way so that I could not and I could function in society and in everyday life it was I wouldn't have been able to so I was able to save a lot of money a lot of money and as hard as I worked as hard as I've had it in my life but choices that I've made I still I'm proud of myself and I achieved a lot but to have it ripped from underneath you when you work so hard to get where you are for no reason because of selfishness because they feel are feel the need of making more money is wrong it's really wrong I have rights I do I have rights we all have rights and this is wrong what they're doing to me I don't know if they have to do with my race or if it has to do with what my house is worth what I put into it while the upgrades over the years I don't know but I know that what they're doing to my family life is wrong they're supposed to stop my house and take it from me on XX/XX/XXXX and I have to be out I Believe by the end of the month I'm disabled I have a disabled son I have another son that's slow that's going to be tested to see if he's disabled where are we supposed to go I'm fighting right now going to medical for my life to see if they've taken or shortened or if I'm going to die so because of the accident in the hospital or not my medical practice mate I'm going through a lot I've lost everyone in my family everyone I have no one any longer I have a partner I hold on to that doesn't want me and I can not rely on at all yeah it's very hard and difficult for me but once again they're wrong for not helping me and they're wrong for lying and playing these games when they're aware that they receive my documentation and they're aware that I had to pay off it's just wrong for them trying to steal my home for me for my family.","date_sent_to_company":"2022-12-24T18:12:23.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"95340","tags":"Servicemember","has_narrative":true,"complaint_id":"6359358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-12-24T17:30:55.000Z","state":"CA","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":["say that they need update to my information I'm always constantly updating I understand that I go through numbers like no tomorrow cuz I have a <em>problem</em> with being hacked I have <em>identity</em> <em>theft</em> a lot and cybercrime and everything else I get that so I go in and out of numbers when I get scared that someone might be hacking it but they have my home address it hasn't changed they have my mailing address it hasn't changed in over 5 years I've had my mailing address for approximately 8 years now my home"]},"sort":[8.489424,"6359358"]},{"_index":"complaint-public-v1","_id":"16508973","_score":7.6454372,"_source":{"product":"Mortgage","complaint_what_happened":"LoanCare has failed to investigate a report I made to them in early XXXX of a fraudulent password change on an account LoanCare chose to maintain on its computer systems ( without notifying me ) after I canceled a HELOC they were servicing in XXXX. The HELOC was originated through XXXX Bank which had subcontracted loan servicing to LoanCare as it prepared to sell its banking unit to an investor group which renamed the bank XXXX. LoanCares customer service representatives informed me that they had no fraud investigation area or protocols this likely violates FCRA and state regulations and is especially egregious as LoanCare experienced a significant data breach and had failed to inform affected customers, including me, in a timely manner when that breach happened Background I originated a HELOC with XXXX Bank in XX/XX/XXXX, on the advice of my XXXX XXXX  XXXX  Advisor as part of my regular retirement account review. For almost 5 years, I had not used the HELOC, but in XX/XX/XXXX, I used my home equity line of credit to help my sister with a bridge loan so she could purchase a new home in XXXX  before she received her closing settlement from the sale of her home in XXXX. During the 2 months before my sister could repay me, I received notice that XXXX was selling the bank to a private group of investors and that the bank would be renamed XXXX ; XXXX would retain a seat on its board as part of that sale. LoanCare was extremely difficult to work with as I tried to pay off my HELOC balance, with contradictory guidance and delay tactics that cost me additional interest ; those problems were resolved only after I reached out to my XXXX  XXXX  XXXX  Advisor to complain and ask for help. During this process, I received notice of LoanCares data breach, and after researching how much time had expired between the breach and the notification, I decided to end the HELOC, 5 years before it would have expired. LoanCare did not make closing out the HELOC easy, but ultimately acknowledged the loan was settled and released the lien that had been placed on my homes title. Because of the extent of the data breach, I froze my credit at all three agencies, added extra layers of security on my retirement accounts, bank accounts and Social Security and enrolled in my municipalitys fraud alert service for my homes title. I thought all of this would protect me against the effect of this egregious data breach. But it didnt stop LoanCare from doing more harm to me harm I believe originated with the data stolen in the data breach and perhaps involving an insider who knew that LoanCare was maintaining live accounts after customers had closed out their loans. \nThe fraudulent change at LoanCare At XXXX XXXX  on XX/XX/XXXX, an automated email arrived in my Inbox from LoanCare, informing me that I had successfully changed my password on my loan account. My account name was in the email as was the location where this request was made ( XXXX, XXXX  ) and a time stamp that did not make sense -- that was for XXXX XXXX XXXX XXXX XXXX, basically from somewhere with a four hour time difference. I did not initiate this password change and was surprised that there was an active account at LoanCare. The email informed me to call the customer service number on my original loan paperwork if I did not initiate the transaction. Even though the XXXX address in the confirmation email indicated it was in XXXX, XXXX, the odd timestamp told me that this fraud likely originated somewhere overseas, 4 hours ahead of XXXX XXXX XXXX. \nI had to wait until XXXX XXXX to call to reach someone at the XXXX LoanCare customer service area. The LoanCare automated system recognized the number I was calling from, but asked me to key in the last 4 digits of my SSN just to be able to reach a representative. Through all the \" press this, press that '' instructions, the system told me when my last payment was made ( XXXX of XXXX ) and other details about my old loan. I was shocked that so much information was available to be heard from just entering the last 4 digits of my SSN. Clearly LoanCare had not increased security measures after the data breach. The first representative I spoke with told me that LoanCare does not have a Security or Fraud department, and that all she could do is to reassure me that my account was paid off and closed. I told her I was following the instructions in the email I had received from LoanCare to report a fraudulent password change, but she said that there was nothing more she could do for me. I insisted on speaking with someone who would investigate. Finally, she offered to transfer me to the technology area. There I spoke with someone who asked more verification questions and promised she would \" write up a ticket '' for the technology area to research how a password change could be processed by their system without a two-factor verification code ( I verified that there was no code sent to my phone ). She acknowledged that although I had closed out my HELOC, LoanCare was maintaining a profile with my personal data on their system for future needs ; that account was linked to my closed out loan. After I told her I would never knowingly do business with LoanCare again, she offered to wipe that profile off their system and add notes on my historic closed account about this fraudulent attempt to take control of my expired account. She had no answers to my questions about why Customer Service could not help me. Our conversation closed with her sharing that the ticket would expire in one week, whether or not I was contacted and that I might not get an answer. After hanging up with her, I was uncomfortable, and I wrote to my XXXX XXXX XXXX Advisor asking for his help again with LoanCare. \nAttached to this complaint are two files. One file contains all the email correspondence with XXXX about LoanCares handling of this report of fraud. In spite of the numerous promises that I would hear from their bank complaint unit, I never received a call, email or letter from XXXX. The second file contains scans of many letters from XXXX serviced by LoanCare ( the address is LoanCares address ). Most arrived 12 to 15 days after the dates on the letters. They appear to have been generated after each email I sent to XXXX and when a XXXX business day period from a previous letter was elapsing without resolving the investigation. I also received a phone call from LoanCare on XX/XX/XXXX, which may or may not have been related to this situation. As I was at a funeral, the call went to my voicemail. When I returned the call, I was told that the call was to verify my contact information only for future marketing purposes the call is described in detail in the email to XXXX of XX/XX/XXXX. I dont believe anyone at XXXX XXXX LoanCare, or XXXX is really looking into this situation everyone is passing the buck as if each complaint was unrelated. I am getting nowhere with LoanCares computer which continues to acknowledge receipt of my complaints and asks for additional time to investigate. \nIn addition to this report, I plan to file complaints with the offices of the Attorney General in my home state of XXXX, XXXX XXXX where the email says that the fraud originated ( and where XXXX headquarters are located ), XXXX  where LoanCare is located ; and XXXX, where XXXX ( formerly XXXX Bank ) is located. I am aware that a settlement was reached in the LoanCare data breach case, but based on my reading of the settlement agreement, it appears that neither the judge nor the attorneys representing the class included any residual protection from the use of the stolen data to attempt fraud not even at the organization from which our data was stolen. \nI do not understand how a loan service company can be allowed to operate without having a fraud response process and/or unit to deal with situations like I have described especially an organization with at least one serious data breach settlement in recent history. I do not understand how a bank can offload the servicing of loans that they originate to a loan services firm that can not ensure that data stolen from them isnt used to commit fraud against that banks customers. As XXXX has not delivered on its promise to have its bank complaint unit contact me, I am now reconsidering whether to continue to use them for retirement account servicing. Unwinding the almost 27 year XXXX relationship will take at least nine years due to restrictions on some of the underlying annuity investments. All three of these organizations have lost my trust. \nI am hopeful that the CFPB will see the usefulness of pursuing this matter to help me and other consumers being harmed by LoanCare and XXXX ( formerly XXXX Bank ). I am appreciative of past CFPB actions against institutions that have harmed me, especially the settlement reached with XXXX over its six-year discrimination campaign against XXXX  like me based solely on the XXXX/XXXX  ending of their last names. News of that settlement prompted me to unwind a XXXX relationship with XXXX. Even though banking/lending is highly regulated by the states, it is especially important that a federal resource be made available for situations that cross state lines like this situation. For that reason, I hope that the CFPB prevails in its legal quest to remain a vital service to citizens. Please feel free to pass this information on to any other federal agency interested in regulating banks and their subcontractors and in fighting fraud and identity theft.","date_sent_to_company":"2025-10-10T13:42:14.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"06905","tags":"Older American","has_narrative":true,"complaint_id":"16508973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2025-10-10T13:26:13.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Please feel free to pass this information on to any other federal agency interested in regulating banks and their subcontractors and in fighting fraud and <em>identity</em> <em>theft</em>."]},"sort":[7.6454372,"16508973"]},{"_index":"complaint-public-v1","_id":"5189330","_score":7.3438025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Yes on about the beginning of XX/XX/XXXX I noticed the fluctuation and unusual and unauthorized activities on my organization and or personal accounts. Now due to past interactions and gaps over the course of my life between the ages of XXXX to XXXX and due to the fact that my identity was stolen on or about the years XXXX and I reported to the FTC the identity theft I was wrongly accused of submitting my claim in the untimely fashion after I submitted over {$10000.00} in receipts to the master policy for reimbursement during a situation where 4200 apartments wrongfully and unlawfully locked me out of my home put a false eviction on me to facilitate the ejection of me from my home with fraudulent eviction papers that were manufactured falsely using the judge 's signature in order to procure property that was mine legally lawfully and in all liquidy took themto court filed a claim against them with XXXX, they lost, THROUGH fraudulent LISTING METHODS THEY WERE ABLE TO USE WHILE I CALL IT CRIME TO FISH ME OUT OF MY LIVING SITUATION ILLEGALLY ON FALSE PRETENSES ON TOP OF THAT THE FTC SUBMITTED ME PAPERWORK THROUGH TO XXXX XXXX CYBER CRIME MANAGER FOR REVIEW. SO SOMEHOW DESPITE ME BEING THE CONSUMER ME TAKING THE LANDLORD TO COURT XXXX XXXX AND LANDLORD LOSING TRYING TO EVICT ME I NEVER WAS EVICTED I GOT GRANTED TO STAY BY THE JUDGE PENDING FURTHER ACTION FURTHER ACTION NEVER CAME XXXX THE XXXX  AND EVERY OTHER FORCE AND ENTITY WERE ABLE TO ILLEGALLY XXXX ME AND PROCURE THE PROPERTY UNBEKNOWNST TO THE JUDGE. AT THAT POINT I LOST FAITH IN THE SYSTEM AND LOST FAITH IN GETTING MY INFORMATION TO ANYONE AND I STAYED OFF OF THE RADAR OF ANY CREDIT SOURCES OR ANY FORMS OF CONSUMER TRUST. FAST FORWARD TO NOW AFTER THIS and my INFORMATION NOW BEING AVAILABLE AND USED BY SAID, FRAUDULENT ACTIVITIES, AND other PEOPLE I BEGAN TO UTILIZE MY CREDIT upon release from prison AGAIN. AFTER I BEGIN TO WORK WITH MY ORGANIZATION CHEF XXXX XXXX XXXX AT XXXX XXXX XXXX. THE SAME ACTIVITIES BEING OCCUR AND I BEGIN TO NOTICE STRANGE THINGS BEGIN TO NOTICE LENDERS WERE RETAINING MY INFORMATION AND USING IT IN INACCURATE FORMS UPON CHECKING MY CREDIT REPORT ONE DAY THROUGH XXXX EQUIFAX XXXX AFTER BEING DECLINED OR DISPUTING A NON CREDIT APPROVAL ON MY ALREADY GROWING GOOD CREDIT THIS UPROOTED POTENTIAL PROBLEMATIC SOURCES WITHIN MY FILE SUCH AS ADDRESSES I'VE NEVER LIVED AT, BILLS THAT I'VE NEVER SEEN WITH CREDITORS, I'VE NEVER DEALTvWITH AND OR FINANCIAL COMPANIES. I THEN PLACED A FREEZE ON MY REPORTS THROUGH THE THREE BUREAUS AND A FRAUD ALERT THE FRAUD ALERT LED TO ME BEING ABLE TO SEE MORE ALERTS WHICH LED TO MULTIPLE SOURCES OF BLACKWEB AND DARK WEB INFORMATION OF MINE MY FAMILY IS MY BUSINESS MY PHONE NUMBERS MY EMAIL ADDRESSES AND MY IDENTITY ALL COMPROMISED IN VARIOUS WAYS OF SOURCES AND THEN TO TOP THAT OFF XXXX XXXX A GLOBAL PLATFORM SENT ME A DOCUMENT STATING THEY ARE SORRY FOR A XXXX BREACH OF ALL MY INFORMATION INCLUDING FINANCIAL BIRTHDAY LICENSE INFORMATION AND ALL OTHER VARIABLE INFORMATION TO IDENTIFY ME TO AN UNKNOWN AMOUNT OF SOURCES AND OFFERED ME CREDIT PROTECTION THERE WAS NO PROTECTION THIS WAS AN INSIDE GAME TO GET FURTHER INTO MY LIFE TO GET FURTHER IN XXXX TO FURTHER SABOTAGE MY CREDIT MY SOCIAL SECURITY NUMBER MY STRAW NAME MY ENTITY MY VALUE AND MOST OF ALL THE FAME AND DEMOTE MY INTELLECTUAL PROPERTY AND USED VARIOUS OTHER FINANCIAL BUREAUS AND SUPPOSED TO SECURE SERVICES AND OR PRIVATE ARRANGEMENTS TO FURTHER INJURE ENDURE OR PROCURE ANY OF MY VIRTUOUS AND PROSPEROUS GROWTH OR ANY OF MY POTENTIAL POSITIVE BENEFIT ON THE PLANET SO INSTEAD OF FIXING MY REPORTS OR HANDLING THE BUSINESS THAT THEY WERE INSTRUCTED TO HANDLE BY THE FTC IN A SITUATION WHERE CONSUMERS LIFE IDENTITY AND WHOLE CREDIT SYSTEM THAT HAS BEEN COMPROMISED ON CERTAIN VARIOUS LEVELS AND THEN BEGIN TO FURTHER SELL MY INFORMATION FURTHER ADVERTISING AND FURTHER ENDURE OR BRUISE MY ALREADY QUESTIONABLE ACCOUNTS DUE TO NO FAULT OF MY OWN SO FAILURE TO ERASE FIX OR REPLACE IMPROPER INFORMATION THEY BEGIN TO ADD THAT ON FURTHER AND FURTHER AND THEN PUT A FRAUD TAG ON ME, instead of fraud alert as a remedy INSTEAD OF FIXING.NOW THAT THE PROBLEM HAS POWERED OUT OF CONTROL AND THE PROOF HAS BEEN SHOWN TO ALL IN ANY RELEVANT ENTITIES THESE COMPANIES ARE STILL NOT ERASING IT, THE INVALUABLE INFORMATION OR THE UNTRUE INFORMATION EVEN AFTER POLICE REPORTS AND EVEN AFTER BEING SHOWN FTC PAPERS THEY ARE STILL INSINUATING FRAUD, AS AN IF THESE ARE NOT REAL DOCUMENTS INSTRUCTING REAL ACTIVITIES SO I'M STILL IN A SITUATION WHERE I BEing MISTREATED AND DEVALUED AND STILL BEING SUBJECTED TO DEFAMATION OF CHARACTER STEREOTYPES AND ALL OTHER UNETHICAL METHODS OF TREATMENT FOR CONSUMER RELATIONS. COMPANIES WERE ASKED TO SUBMIT ME ALL USER INFORMATION ON MY STRONG NAME AND ON MY SOCIAL SECURITY NUMBER IN ORDER TO FIX OR REPLACE DAMAGED INFORMATION THEY ARE STILL REFUSING AND THERE IS A CURRENT CLAIM OUT ON THE MASTER Policy. IVE NEVER BEEN INVOLVED CONVICTED OR ATTACHED TO ANY INSURANCE FRAUD EVER IN MY LIFE, AGAIN AND I AM JUST ATTEMPTING TO GET THESE CREDIT BUREAUS TO REMOVE ALL DEROGATIVE OR ADVERSE INFORMATION FROM MY ACCOUNTS AND SUBMIT IT SO THAT I CAN BE PAID OUT ON MY CLAIMS AND ARRANGE FOR NEW ACCOUNTS TO BE OPEN UNDER A CORRECT PROFILE WITH NO ADVERSE INFORMATION I'M SEEKING THE ASSISTANCE OF THE CONSUMER FINANCE BUREAU TO FACILITATE THESE BUREAUS EXPERION, XXXX, EQUIFAX IN DISPERSING THESE FILES ON ME AND THEN ALL THE ENTIRETY TO MY ORGANIZATION XXXX IN ORDER TO SECURE CREDIT FILES REPORT FROM THIS POINT FORWARD AND MAKE SURE THAT THEY'RE ALWAYS USED IN THE PROPER AND APPROPRIATE METHOD EVEN TO THE EXTENT OF ISSUING A NEW SOCIAL SECURITY NUMBER DUE TO THE LARGE AMOUNT OF ABUSE ATTACHED TO MY SOCIAL SECURITY NUMBER OR ME REVERTING MY TI MY TAX IDENTITY NUMBER OR MY SOCIAL INTO MY EIN TEMPORARILY UNTIL IT'S ALL FIXED AND WE USE MY EIN AS MY VERIFIED SOCIAL OR NUMBER TO IDENTIFY ME THAT WAY WE CAN CONTOUR AND CONTROL AND CURVE MISUSE OF MY ENTITY IN MY NAME AND ALL FORMS LESS ME OR MYSELF BE USING IT. THEY WERE SUPPOSED TO FIX THIS PROBLEM IN XXXX AND GET ME A NEW IDENTITY SUCH AS NEW LICENSE NEW LICENSE NUMBER THAT WAY WE CAN NO LONGER HAVE TO DEAL WITH THE OLD SITUATION CURRENTLY THE PERSON WHO STOLE MY ID WHICH WAS DATED XXXX ISSUE AND EXPIRES IN XXXX I HAVE NOT HAD MY ID LICENSE IN NEVADA ANYTHING SINCE XXXX AND REFUSAL TO MAKE IT FROM ALL DEPARTMENTS EVEN THE DMV EVEN PER FTC REQUIREMENTS WHICH IS WHY ALL THESE YEARS I STILL HAVE NOT HAD A NEW LICENSE/ID/ANYTHING FROM NEVADA SO HOPEFULLY WE CAN GET THIS COMPLETED AND DONE THIS SO THAT FROM THIS POINT ON NO ONE ELSE CAN USE MY IDENTITY WHICH HAS BEEN LOOSE OPEN AND USED FREELY BY THE STOLEN IDENTITY THAT I TOLD THE DMV TO CANCEL 7 YEARS AGO ALMOST, TO PROCURE OR CURVE ANY MORE FURTHER USE. THIS SAME SAID IDENTITY I DO NOT HAVE OR ID I DO NOT POSSESS AND HAVE NOT SEEN, AND REPORTED STOLEN TO ALL VERIFIABLE SOURCES EVEN THE XXXX XXXX XXXX  WHO WOULD NOT GIVE ME THE FOOTAGE OF THE PERSON WHO WENT AND DID A PLAYER 'S CARD WITH MY NAME USING MY IDENTITY AND USING THAT TO PROCURE A PLAYERS CLUB ACCOUNT SECURITY REFUSE TO GIVE ME THE FOOTAGE OF WHOEVER CAME IN AND USED MY ID AND WHO MIGHT STILL HAVE MY IDEAS STILL BE USING IT FOR VARIABLE AND VARIOUS THINGS SO THEREFORE THIS IS IT FINAL AND HOPEFULLY BENEFICIAL COMPLAINT IN ORDER IN STOPPING THE USE OF MY OLD STOLEN ID / LICENSE AND ANY OTHER VERIFIABLE INFORMATION OF MINE SO THAT I CAN NOW MOVE ON WITH MY LIFE AND MY SITUATION IN MY BUSINESS AND NOT HAVE TO WORRY ABOUT SOMEONE ELSE BEING IMPERSONATING OR TRYING TO USE ME MY IDENTITY OR MY ACCESS OR VALUES IN A ILLICIT OR UNAUTHORIZED MANNER SO TO EXPLAIN WHY I STILL DO NOT HAVE PROPER NEVADA LICENSE / ID BECAUSE I WAS REFUSED BY ALL SOURCES AND I ONCE AGAIN WHO STILL THE VICTIM 8 YEARS LATER HAVE NOT HAD A \" BRAND NEW ID '' they keep saying the old one is valid, NOT IF I REPORTED IT STOLEN ALMOST A DECADE AGO LESS THE PRISON ID I WAS ISSUED WHEN I WAS RELEASED A XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM PRISON I HAVE NOT COMMITTED A FELONY OR A CRIME IN ALMOST 7 YEARS I HAVEN'T BEEN CONVICTED OF A FELONY OR A CRIME IN OVER 10 AND YEARS I SHOULD NOT BECAUSE OF A CONVICTION XXXX TO XXXX YEARS AGO STILL BE SUBJECTED TO ALL THIS MISTREATMENT JUST BECAUSE OF A CHANGING PAST AND THE FACT THAT I'M A EX-FELON WHICH IS IRRELEVANT OR IN NO WAY RELEVANT TO MY CURRENT PATH. SO ALL I'M ASKING IS FOR THESE COMPANIES OR THE THREE BUREAU CREDIT REPORTING AGENCIES AND ALL THEIR AFFILIATES AND THEM IN DERIVATIVES EJECT INFORMATION DEROGATORY FROM MY REPORT AND PROPER AND PERSONAL INFORMATION AND ADDRESSES REPLACE IT WITH THE PROPER INFORMATION AND STIPULATE IN ALL ACCOUNTS CUSTOMER INFORMATION IS SENSITIVE HAS BEEN VICTIMIZED AND VICTIM OF IDENTITY THEFT FOR OVER XXXX TO XXXX YEARS AND PLEASE TREAT HIS FILE WITH THE MOST CARE FOR THE REST OF MY LIVING LIFE I JUST DO NOT LIKE HAVING TO DEAL WITH AND BE SUBJECTED TO UNFAIR UNETHICAL TRADE PRACTICES TREATMENT METHODS DECEPTIVE SALES METHODS AND ANY OTHER METHODS THAT THESE COMPANIES ARE DOING IN ORDER TO IN INJURE AND OR DAMAGE ME MY ENTITY MY CREDIT AND MY FAMILY 'S CREDIT UNDER FALSE PRETENSES OR OUT OF HATE PREJUDGMENT OR ANY OTHER INEFFECTUAL BIAS I'M CURRENTLY NOW TRYING TO FIX ALL THIS WITH ALL COMPANIES AND MAILING OUT THE INFORMATION IN TEMPLATES THAT WAS GIVEN TO ME IN MY MASTER PACKET FOR MY MASTER POLICY CLAIM THERE WILL BE OTHER COMPLAINTS COMING BECAUSE UNFORTUNATELY THIS IS COMING FROM ALL SOURCES AND LIKE YOU SAID YOU'RE HERE TO IDENTIFY WHERE CONSUMERS ARE BEING WRONGED WRONGFULLY TREATED HOW WHEN WHERE WHY AND FOR WHAT PURPOSES SO YOU CAN IDENTIFY AND FIX THESE ISSUES FOR A FUTURE GENERATIONS AND PEOPLE AND UNFORTUNATELY YOU WOULD BE AMAZED BUT IT'S COMING FROM EVERYWHERE FROM EVERYONE NOT ONE PERSON IS ACTING IN ACCORDING TO LAW GUIDELINES FCC REPORTING LINES FCC GUIDELINE LAWS AND ALL OF THEM ARE SELLING TRADE SECRETS TO EACH OTHER AND THEY ARE IN CLOSE CONTACT WITH EACH OTHER ALL PURPOSELY UNITING UP TO SABOTAGE ME IN ORDER FOR ME TO NOT HAVE WHAT'S RIGHTFULLY MINE AS A RIGHTFUL CONSUMER LAWFULLY, LEGALLY, AND RESPECTFULLY. I WILL BE REPORTING OTHER ENTITIES AND THEIR SELECTED CATEGORIES AS I GO THERE'S GOING TO BE MORE THAN ONE COMPLAINT SO PLEASE DO NOT THINK THIS AND THIS IS SOME FORM OF FRAUD OR FAKING OR MISUSE OF YOUR SERVERS AND SEARCH ENGINES THEN IT'S JUST SO MUCH GOING ON THAT I HAVE TO SINGLE-HANDEDLY ISSUE EACH DEPARTMENT OF EACH PEOPLE AND COMPLAINTS SO THAT YOU CAN SINGLE-HANDEDLY AND EFFECTUALLY HANDLE EACH DEPARTMENT BE AWARE THAT THEY'RE GOING TO TRY TO ATTEMPT TO MANEUVER DIVERT XXXX OR SHIFT THE ATTENTION OF YOUR QUESTIONS TO DIVERT HAVING TO SHOW WHERE THEY BLATANTLY MISUSED, MISHANDLED, OR DID NOT FIX WHAT COULD HAVE BEEN FIXED IN MY REPORT OR IN MY SITUATIONS IN A TIMELY MATTER TO AVOID ME SUFFERING FROM FALSE ACCUSATIONS AND STEREOTYPES AND INNUENDOS. \nSO ALL IM SAYING IS THAT ALL THREE OF THESE CREDIT BUREAUS XXXX XXXX AND EQUIFAX CEASE AND DESIST WITH THE SELLING OF MY INFORMATION MY CREDIT PROFILES AND IDENTIFYING INFORMATION TO ANYTHING. IDENTIFYING TO MY CONSUMER, USES WITHOUT MY EXCLUSIVE CONSENT, AND GIVING PERMISSIONS ON A CASE-BY-CASE LENDER BY LENDER AND PRODUCT BY PRODUCT ONLY MANNER. AND THAT ANY OF THESE COMPANIES THAT ARE CAUGHT USING OR BEING DECEPTIVE OR USING MY PERSONAL AND CREDIT INFORMATION IN UNAUTHORIZED MANNERS BE SUBJECT TO CRIMINAL ACTIONS. AND THAT ALL INFORMATION COMING FORTH AT THIS POINT FROM THIS POINT YOU USE IN MY NAME AND MY ENTITY BE ACCURATE AND TRUE IN ALL FORM, OR PERSON, OR PLACES OR THINGS OR BUSINESSES SHOWING AND PROMOTING SUCH INFORMATION BE SUBJECT TO PERJURY CHARGES TO THE HIGHEST LEVEL OF THE COURTS and that they reverse report for funds or replace funds for accounts that were closed unlawfully because of false information and for all over charges and late fees in connection with any accounts that were reported falsely by these bureaus in it an event to sell purchase or supplement for facilitate in gaining or benefiting from selling false or inaccurate information on my credit report. Treat my name and my report and all my personal and business files with the highest level of security possible due to the multiple breaches and uses of my information by both businesses and lenders unlawfully in order to benefit our gain through their own vices or methods and that I'll be provided a free agent personal agent from each bureau XXXX XXXX and Equifax to handle all relevant creditors files and financial documents that I will be opening establishing or have already had established and keeping all these services and lines of credit and or business services functioning fundamental and secure so that this doesn't never happen again. And that according to the Fair credit reporting act in federal regulations and guidelines no creditor or company lender or funding services or money lending services or any services be allowed to endure or hold one liable for any credit services that are over 7 years old in debt that are in collection for over 7 years still attempting to receive or attain any form of collection according to the statute of limitations on creditors lenders and the amount of time available to seek collections before closed by mandatory audit and deleted from credit profiles and history and all files. And that all companies doing this be subject to fines and/or civil action from plaintiff or defendant person defending their Identity. And that each credit bureau send out to all financial Bill services involved with me and their past lenders or creditors that my credit report is clean accurate and secure and that it is free to do good business with XXXX XXXX XXXX XXXX formally XXXX XXXX XXXX before my son XXXX XXXX XXXX XXXX was born. And in a timely fashion please because I have been waiting over 7 years for this recovery process to be fully initiated by no fault of my own.","date_sent_to_company":"2022-02-05T17:17:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89145","tags":"Servicemember","has_narrative":true,"complaint_id":"5189330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-05T17:17:44.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["WE CAN GET THIS COMPLETED AND DONE THIS SO THAT FROM THIS POINT ON NO ONE ELSE CAN USE MY <em>IDENTITY</em> WHICH HAS BEEN LOOSE OPEN AND USED FREELY BY THE STOLEN <em>IDENTITY</em> THAT I <em>TOLD</em> THE DMV TO CANCEL 7 YEARS AGO ALMOST, TO PROCURE OR CURVE ANY MORE FURTHER USE."]},"sort":[7.3438025,"5189330"]},{"_index":"complaint-public-v1","_id":"5189299","_score":7.3438025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Yes on about the beginning of XX/XX/XXXX I noticed the fluctuation and unusual and unauthorized activities on my organization and or personal accounts. Now due to past interactions and gaps over the course of my life between the ages of XXXX to XXXX and due to the fact that my identity was stolen on or about the years XXXX and I reported to the FTC the identity theft I was wrongly accused of submitting my claim in the untimely fashion after I submitted over {$10000.00} in receipts to the master policy for reimbursement during a situation where 4200 apartments wrongfully and unlawfully locked me out of my home put a false eviction on me to facilitate the ejection of me from my home with fraudulent eviction papers that were manufactured falsely using the judge 's signature in order to procure property that was mine legally lawfully and in all liquidy took themto court filed a claim against them with XXXX, they lost, THROUGH fraudulent LISTING METHODS THEY WERE ABLE TO USE WHILE I CALL IT CRIME TO FISH ME OUT OF MY LIVING SITUATION ILLEGALLY ON FALSE PRETENSES ON TOP OF THAT THE FTC SUBMITTED ME PAPERWORK THROUGH TO XXXX XXXX CYBER CRIME MANAGER FOR REVIEW. SO SOMEHOW DESPITE ME BEING THE CONSUMER ME TAKING THE LANDLORD TO COURT XXXX XXXX AND LANDLORD LOSING TRYING TO EVICT ME I NEVER WAS EVICTED I GOT GRANTED TO STAY BY THE JUDGE PENDING FURTHER ACTION FURTHER ACTION NEVER CAME METRO THE XXXX AND EVERY OTHER FORCE AND ENTITY WERE ABLE TO ILLEGALLY JACK ME AND PROCURE THE PROPERTY UNBEKNOWNST TO THE JUDGE. AT THAT POINT I LOST FAITH IN THE SYSTEM AND LOST FAITH IN GETTING MY INFORMATION TO ANYONE AND I STAYED OFF OF THE RADAR OF ANY CREDIT SOURCES OR ANY FORMS OF CONSUMER TRUST. FAST FORWARD TO NOW AFTER THIS and my INFORMATION NOW BEING AVAILABLE AND USED BY SAID, FRAUDULENT ACTIVITIES, AND other PEOPLE I BEGAN TO UTILIZE MY CREDIT upon release from prison AGAIN. AFTER I BEGIN TO WORK WITH MY ORGANIZATION CHEF XXXX XXXX XXXX  AT XXXX XXXX XXXX. THE SAME ACTIVITIES BEING OCCUR AND I BEGIN TO NOTICE STRANGE THINGS BEGIN TO NOTICE LENDERS WERE RETAINING MY INFORMATION AND USING IT IN INACCURATE FORMS UPON CHECKING MY CREDIT REPORT ONE DAY THROUGH TRANSUNION XXXX XXXX AFTER BEING DECLINED OR DISPUTING A NON CREDIT APPROVAL ON MY ALREADY GROWING GOOD CREDIT THIS UPROOTED POTENTIAL PROBLEMATIC SOURCES WITHIN MY FILE SUCH AS ADDRESSES I'VE NEVER LIVED AT, BILLS THAT I'VE NEVER SEEN WITH CREDITORS, I'VE NEVER DEALTvWITH AND OR FINANCIAL COMPANIES. I THEN PLACED A FREEZE ON MY REPORTS THROUGH THE THREE BUREAUS AND A FRAUD ALERT THE FRAUD ALERT LED TO ME BEING ABLE TO SEE MORE ALERTS WHICH LED TO MULTIPLE SOURCES OF BLACKWEB AND DARK WEB INFORMATION OF MINE MY FAMILY IS MY BUSINESS MY PHONE NUMBERS MY EMAIL ADDRESSES AND MY IDENTITY ALL COMPROMISED IN VARIOUS WAYS OF SOURCES AND THEN TO TOP THAT OFF XXXX XXXX A GLOBAL PLATFORM SENT ME A DOCUMENT STATING THEY ARE SORRY FOR A XXXX BREACH OF ALL MY INFORMATION INCLUDING FINANCIAL BIRTHDAY LICENSE INFORMATION AND ALL OTHER VARIABLE INFORMATION TO IDENTIFY ME TO AN UNKNOWN AMOUNT OF SOURCES AND OFFERED ME CREDIT PROTECTION THERE WAS NO PROTECTION THIS WAS AN INSIDE GAME TO GET FURTHER INTO MY LIFE TO GET FURTHER IN Carrier TO FURTHER SABOTAGE MY CREDIT MY SOCIAL SECURITY NUMBER MY STRAW NAME MY ENTITY MY VALUE AND MOST OF ALL THE FAME AND DEMOTE MY INTELLECTUAL PROPERTY AND USED VARIOUS OTHER FINANCIAL BUREAUS AND SUPPOSED TO SECURE SERVICES AND OR PRIVATE ARRANGEMENTS TO FURTHER INJURE ENDURE OR PROCURE ANY OF MY VIRTUOUS AND PROSPEROUS GROWTH OR ANY OF MY POTENTIAL POSITIVE BENEFIT ON THE PLANET SO INSTEAD OF FIXING MY REPORTS OR HANDLING THE BUSINESS THAT THEY WERE INSTRUCTED TO HANDLE BY THE FTC IN A SITUATION WHERE CONSUMERS LIFE IDENTITY AND WHOLE CREDIT SYSTEM THAT HAS BEEN COMPROMISED ON CERTAIN VARIOUS LEVELS AND THEN BEGIN TO FURTHER SELL MY INFORMATION FURTHER ADVERTISING AND FURTHER ENDURE OR BRUISE MY ALREADY QUESTIONABLE ACCOUNTS DUE TO NO FAULT OF MY OWN SO FAILURE TO ERASE FIX OR REPLACE IMPROPER INFORMATION THEY BEGIN TO ADD THAT ON FURTHER AND FURTHER AND THEN PUT A FRAUD TAG ON ME, instead of fraud alert as a remedy INSTEAD OF FIXING.NOW THAT THE PROBLEM HAS POWERED OUT OF CONTROL AND THE PROOF HAS BEEN SHOWN TO ALL IN ANY RELEVANT ENTITIES THESE COMPANIES ARE STILL NOT ERASING IT, THE INVALUABLE INFORMATION OR THE UNTRUE INFORMATION EVEN AFTER POLICE REPORTS AND EVEN AFTER BEING SHOWN FTC PAPERS THEY ARE STILL INSINUATING FRAUD, AS AN IF THESE ARE NOT REAL DOCUMENTS INSTRUCTING REAL ACTIVITIES SO I'M STILL IN A SITUATION WHERE I BEing MISTREATED AND DEVALUED AND STILL BEING SUBJECTED TO DEFAMATION OF CHARACTER STEREOTYPES AND ALL OTHER UNETHICAL METHODS OF TREATMENT FOR CONSUMER RELATIONS. COMPANIES WERE ASKED TO SUBMIT ME ALL USER INFORMATION ON MY STRONG NAME AND ON MY SOCIAL SECURITY NUMBER IN ORDER TO FIX OR REPLACE DAMAGED INFORMATION THEY ARE STILL REFUSING AND THERE IS A CURRENT CLAIM OUT ON THE MASTER Policy. IVE NEVER BEEN INVOLVED CONVICTED OR ATTACHED TO ANY INSURANCE FRAUD EVER IN MY LIFE, AGAIN AND I AM JUST ATTEMPTING TO GET THESE CREDIT BUREAUS TO REMOVE ALL DEROGATIVE OR ADVERSE INFORMATION FROM MY ACCOUNTS AND SUBMIT IT SO THAT I CAN BE PAID OUT ON MY CLAIMS AND ARRANGE FOR NEW ACCOUNTS TO BE OPEN UNDER A CORRECT PROFILE WITH NO ADVERSE INFORMATION I'M SEEKING THE ASSISTANCE OF THE CONSUMER FINANCE BUREAU TO FACILITATE THESE BUREAUS XXXX, TRANSUNION, XXXX IN DISPERSING THESE FILES ON ME AND THEN ALL THE ENTIRETY TO MY ORGANIZATION XXXX IN ORDER TO SECURE CREDIT FILES REPORT FROM THIS POINT FORWARD AND MAKE SURE THAT THEY'RE ALWAYS USED IN THE PROPER AND APPROPRIATE METHOD EVEN TO THE EXTENT OF ISSUING A NEW SOCIAL SECURITY NUMBER DUE TO THE LARGE AMOUNT OF ABUSE ATTACHED TO MY SOCIAL SECURITY NUMBER OR ME REVERTING MY TI MY TAX IDENTITY NUMBER OR MY SOCIAL INTO MY EIN TEMPORARILY UNTIL IT'S ALL FIXED AND WE USE MY EIN AS MY VERIFIED SOCIAL OR NUMBER TO IDENTIFY ME THAT WAY WE CAN CONTOUR AND CONTROL AND CURVE MISUSE OF MY ENTITY IN MY NAME AND ALL FORMS LESS ME OR MYSELF BE USING IT. THEY WERE SUPPOSED TO FIX THIS PROBLEM IN XXXX AND GET ME A NEW IDENTITY SUCH AS NEW LICENSE NEW LICENSE NUMBER THAT WAY WE CAN NO LONGER HAVE TO DEAL WITH THE OLD SITUATION CURRENTLY THE PERSON WHO STOLE MY ID WHICH WAS DATED XXXX ISSUE AND EXPIRES IN XXXX I HAVE NOT HAD MY ID LICENSE IN NEVADA ANYTHING SINCE XXXX AND REFUSAL TO MAKE IT FROM ALL DEPARTMENTS EVEN THE DMV EVEN PER FTC REQUIREMENTS WHICH IS WHY ALL THESE YEARS I STILL HAVE NOT HAD A NEW LICENSE/ID/ANYTHING FROM NEVADA SO HOPEFULLY WE CAN GET THIS COMPLETED AND DONE THIS SO THAT FROM THIS POINT ON NO ONE ELSE CAN USE MY IDENTITY WHICH HAS BEEN LOOSE OPEN AND USED FREELY BY THE STOLEN IDENTITY THAT I TOLD THE DMV TO CANCEL 7 YEARS AGO ALMOST, TO PROCURE OR CURVE ANY MORE FURTHER USE. THIS SAME SAID IDENTITY I DO NOT HAVE OR ID I DO NOT POSSESS AND HAVE NOT SEEN, AND REPORTED STOLEN TO ALL VERIFIABLE SOURCES EVEN THE XXXX XXXX XXXX  WHO WOULD NOT GIVE ME THE FOOTAGE OF THE PERSON WHO WENT AND DID A PLAYER 'S CARD WITH MY NAME USING MY IDENTITY AND USING THAT TO PROCURE A PLAYERS CLUB ACCOUNT SECURITY REFUSE TO GIVE ME THE FOOTAGE OF WHOEVER CAME IN AND USED MY ID AND WHO MIGHT STILL HAVE MY IDEAS STILL BE USING IT FOR VARIABLE AND VARIOUS THINGS SO THEREFORE THIS IS IT FINAL AND HOPEFULLY BENEFICIAL COMPLAINT IN ORDER IN STOPPING THE USE OF MY OLD STOLEN ID / LICENSE AND ANY OTHER VERIFIABLE INFORMATION OF MINE SO THAT I CAN NOW MOVE ON WITH MY LIFE AND MY SITUATION IN MY BUSINESS AND NOT HAVE TO WORRY ABOUT SOMEONE ELSE BEING IMPERSONATING OR TRYING TO USE ME MY IDENTITY OR MY ACCESS OR VALUES IN A ILLICIT OR UNAUTHORIZED MANNER SO TO EXPLAIN WHY I STILL DO NOT HAVE PROPER NEVADA LICENSE / ID BECAUSE I WAS REFUSED BY ALL SOURCES AND I ONCE AGAIN WHO STILL THE VICTIM 8 YEARS LATER HAVE NOT HAD A \" BRAND NEW ID '' they keep saying the old one is valid, NOT IF I REPORTED IT STOLEN ALMOST A DECADE AGO LESS THE PRISON ID I WAS ISSUED WHEN I WAS RELEASED A YEAR AND A COUPLE OF MONTHS AGO FROM PRISON I HAVE NOT COMMITTED A FELONY OR A CRIME IN ALMOST 7 YEARS I HAVEN'T BEEN CONVICTED OF A FELONY OR A CRIME IN OVER 10 AND YEARS I SHOULD NOT BECAUSE OF A CONVICTION 7 TO 10 YEARS AGO STILL BE SUBJECTED TO ALL THIS MISTREATMENT JUST BECAUSE OF A CHANGING PAST AND THE FACT THAT I'M A EX-FELON WHICH IS IRRELEVANT OR IN NO WAY RELEVANT TO MY CURRENT PATH. SO ALL I'M ASKING IS FOR THESE COMPANIES OR THE THREE BUREAU CREDIT REPORTING AGENCIES AND ALL THEIR AFFILIATES AND THEM IN DERIVATIVES EJECT INFORMATION DEROGATORY FROM MY REPORT AND PROPER AND PERSONAL INFORMATION AND ADDRESSES REPLACE IT WITH THE PROPER INFORMATION AND STIPULATE IN ALL ACCOUNTS CUSTOMER INFORMATION IS SENSITIVE HAS BEEN VICTIMIZED AND VICTIM OF IDENTITY THEFT FOR OVER 7 TO 10 YEARS AND PLEASE TREAT HIS FILE WITH THE MOST CARE FOR THE REST OF MY LIVING LIFE I JUST DO NOT LIKE HAVING TO DEAL WITH AND BE SUBJECTED TO UNFAIR UNETHICAL TRADE PRACTICES TREATMENT METHODS DECEPTIVE SALES METHODS AND ANY OTHER METHODS THAT THESE COMPANIES ARE DOING IN ORDER TO IN INJURE AND OR DAMAGE ME MY ENTITY MY CREDIT AND MY FAMILY 'S CREDIT UNDER FALSE PRETENSES OR OUT OF HATE PREJUDGMENT OR ANY OTHER INEFFECTUAL BIAS I'M CURRENTLY NOW TRYING TO FIX ALL THIS WITH ALL COMPANIES AND MAILING OUT THE INFORMATION IN TEMPLATES THAT WAS GIVEN TO ME IN MY MASTER PACKET FOR MY MASTER POLICY CLAIM THERE WILL BE OTHER COMPLAINTS COMING BECAUSE UNFORTUNATELY THIS IS COMING FROM ALL SOURCES AND LIKE YOU SAID YOU'RE HERE TO IDENTIFY WHERE CONSUMERS ARE BEING WRONGED WRONGFULLY TREATED HOW WHEN WHERE WHY AND FOR WHAT PURPOSES SO YOU CAN IDENTIFY AND FIX THESE ISSUES FOR A FUTURE GENERATIONS AND PEOPLE AND UNFORTUNATELY YOU WOULD BE AMAZED BUT IT'S COMING FROM EVERYWHERE FROM EVERYONE NOT ONE PERSON IS ACTING IN ACCORDING TO LAW GUIDELINES FCC REPORTING LINES FCC GUIDELINE LAWS AND ALL OF THEM ARE SELLING TRADE SECRETS TO EACH OTHER AND THEY ARE IN CLOSE CONTACT WITH EACH OTHER ALL PURPOSELY UNITING UP TO SABOTAGE ME IN ORDER FOR ME TO NOT HAVE WHAT'S RIGHTFULLY MINE AS A RIGHTFUL CONSUMER LAWFULLY, LEGALLY, AND RESPECTFULLY. I WILL BE REPORTING OTHER ENTITIES AND THEIR SELECTED CATEGORIES AS I GO THERE'S GOING TO BE MORE THAN ONE COMPLAINT SO PLEASE DO NOT THINK THIS AND THIS IS SOME FORM OF FRAUD OR FAKING OR MISUSE OF YOUR SERVERS AND SEARCH ENGINES THEN IT'S JUST SO MUCH GOING ON THAT I HAVE TO SINGLE-HANDEDLY ISSUE EACH DEPARTMENT OF EACH PEOPLE AND COMPLAINTS SO THAT YOU CAN SINGLE-HANDEDLY AND EFFECTUALLY HANDLE EACH DEPARTMENT BE AWARE THAT THEY'RE GOING TO TRY TO ATTEMPT TO MANEUVER DIVERT XXXX OR SHIFT THE ATTENTION OF YOUR QUESTIONS TO DIVERT HAVING TO SHOW WHERE THEY BLATANTLY MISUSED, MISHANDLED, OR DID NOT FIX WHAT COULD HAVE BEEN FIXED IN MY REPORT OR IN MY SITUATIONS IN A TIMELY MATTER TO AVOID ME SUFFERING FROM FALSE ACCUSATIONS AND STEREOTYPES AND INNUENDOS. \nSO ALL IM SAYING IS THAT ALL THREE OF THESE CREDIT BUREAUS XXXX TRANSUNION AND XXXX CEASE AND DESIST WITH THE SELLING OF MY INFORMATION MY CREDIT PROFILES AND IDENTIFYING INFORMATION TO ANYTHING. IDENTIFYING TO MY CONSUMER, USES WITHOUT MY EXCLUSIVE CONSENT, AND GIVING PERMISSIONS ON A CASE-BY-CASE LENDER BY LENDER AND PRODUCT BY PRODUCT ONLY MANNER. AND THAT ANY OF THESE COMPANIES THAT ARE CAUGHT USING OR BEING DECEPTIVE OR USING MY PERSONAL AND CREDIT INFORMATION IN UNAUTHORIZED MANNERS BE SUBJECT TO CRIMINAL ACTIONS. AND THAT ALL INFORMATION COMING FORTH AT THIS POINT FROM THIS POINT YOU USE IN MY NAME AND MY ENTITY BE ACCURATE AND TRUE IN ALL FORM, OR PERSON, OR PLACES OR THINGS OR BUSINESSES SHOWING AND PROMOTING SUCH INFORMATION BE SUBJECT TO PERJURY CHARGES TO THE HIGHEST LEVEL OF THE COURTS and that they reverse report for funds or replace funds for accounts that were closed unlawfully because of false information and for all over charges and late fees in connection with any accounts that were reported falsely by these bureaus in it an event to sell purchase or supplement for facilitate in gaining or benefiting from selling false or inaccurate information on my credit report. Treat my name and my report and all my personal and business files with the highest level of security possible due to the multiple breaches and uses of my information by both businesses and lenders unlawfully in order to benefit our gain through their own vices or methods and that I'll be provided a free agent personal agent from each bureau TransUnion XXXX and XXXX to handle all relevant creditors files and financial documents that I will be opening establishing or have already had established and keeping all these services and lines of credit and or business services functioning fundamental and secure so that this doesn't never happen again. And that according to the Fair credit reporting act in federal regulations and guidelines no creditor or company lender or funding services or money lending services or any services be allowed to endure or hold one liable for any credit services that are over 7 years old in debt that are in collection for over 7 years still attempting to receive or attain any form of collection according to the statute of limitations on creditors lenders and the amount of time available to seek collections before closed by mandatory audit and deleted from credit profiles and history and all files. And that all companies doing this be subject to fines and/or civil action from plaintiff or defendant person defending their Identity. And that each credit bureau send out to all financial Bill services involved with me and their past lenders or creditors that my credit report is clean accurate and secure and that it is free to do good business with XXXX XXXX XXXX XXXX formally XXXX XXXX XXXX before my son XXXX XXXX XXXX XXXX was born. And in a timely fashion please because I have been waiting over 7 years for this recovery process to be fully initiated by no fault of my own.","date_sent_to_company":"2022-02-05T17:17:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89145","tags":"Servicemember","has_narrative":true,"complaint_id":"5189299","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-05T15:14:58.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["WE CAN GET THIS COMPLETED AND DONE THIS SO THAT FROM THIS POINT ON NO ONE ELSE CAN USE MY <em>IDENTITY</em> WHICH HAS BEEN LOOSE OPEN AND USED FREELY BY THE STOLEN <em>IDENTITY</em> THAT I <em>TOLD</em> THE DMV TO CANCEL 7 YEARS AGO ALMOST, TO PROCURE OR CURVE ANY MORE FURTHER USE."]},"sort":[7.3438025,"5189299"]},{"_index":"complaint-public-v1","_id":"4190107","_score":6.597242,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXXof 2020, I called to make a {$400.00} payment due, and they had notified me of my credit balance on the account in two amounts ( lump sums ). one for {$960.00} and a second for {$2800.00} ( was {$3200.00} but they deducted the first {$390.00} payment from balance ). So in total from XX/XX/XXXX, {$3800.00} was a credit balance from \" me '' to pay down the payment every month as told to me by the representative I spoke to that day, around XXXX on 2/04/XXXX. That means that, XXXX would be deducted at the start of every month, till the balance reached under that amount then I would be required to come current on payments again. That would grant me 10 months starting XX/XX/XXXX, and would end then XX/XX/XXXX, and payments would restart XX/XX/XXXX. I mad a payment of {$100.00} on XX/XX/XXXX, when I immediately learned it was somehow delinquent. XXXX XXXX, never posted the payment credit of {$960.00} through the credit agencies on my report. It shows no payments were made then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( I called and spoke to two representatives, in the actual Head quarters, regarding questions I had about the loan amount and warranties ) XXXX, XXXX, XXXX they marked as -30 days late, and then XXXX -60 days late, YET! NO! invoice was ever mailed, showing the zero balance and requesting a payment again. They did mail 4 stubs and itemized statements, showing zero due and the balance of the amount deducted from the total, which is correct. BUT! there is not any accuracies within their ability LIKE THEY HAVE ALREADY! falsely marked the account late. Mathmatically. XXXX XXXX XXXX balance of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, still had a credit and talked about recommendations of trading in car for the corporate fleet lease trade in, because its a brand new car and limited miles, and they have no warranty transfer amount like I had to pay with a CPO! I was charged {$1700.00} in total for brakes, when the car wasn't even driven XXXX, A CPO! and the warranty that WAS STILL NEW ON THE CAR ( manufactures warranty ) just to be put in my name, to STILL PAY FOR THE BREAKS! I put XXXX down cash on the car, somehow wound up getting the loan for XXXX and then paid for the warranties and gap on top of it, which I cancelled and didn't get all my money credited back. Not to mention the whole finance division was fired for stealing money and doing swindling of some sort ( first hand account, of not being told where my money went and the rip off they cost me at XXXX XXXX BMW IN XXXX NJ! ) MOST UNSATISFIED I HAVE EVER BEEN WITH THAT LOCATION, and I have bought from them many times at XXXX! and NEVER HAD A PROBLEM! come XXXX we still have a balance of {$1000.00}. XXXX XXXX XXXX XXXX we are now starting XX/XX/XXXX with a balance of XXXX. THERE WAS NEVER A LATE PAYMENT> so, there was a payment then made on XX/XX/XXXX for the amount of XXXX. There for the full amount of me paying the entirety of this loan from the date of purchased XX/XX/XXXX to XX/XX/XXXX is XXXX and that on their amortization schedule current as of the moment I wrote this. and that works out to me paying them ( divided by exactly 24 months ) XXXX per month. THAT FACT CHECK PROVES THERE WAS NEVER ANY MISSED PAYMENTS> I made another payment to them from the XX/XX/XXXX XXXX, of XXXX. I called them on XX/XX/XXXX and asked what the heck is going on, and they said to challenge it and fill out the paper work they emailed me and their investigator from a third party company will verify what I said and then correct it, just be as detailed as possible. Not one statement regarding a payment due was sent to my address. for 15 years straight I HAD NEVER MISSED A SINGLE PAYMENT IN MY LIFE> with an available credit of XXXX by my choice, I didn't want it higher. Suddenly end of XXXX, XXXX dropped my credit from XXXX to XXXX ONLY! then XXXX XXXX dropped my ONE CARD! every day card all together and the second XXXX XXXX card I have with XXXX POINTS! they dropped the available credit to only XXXX! Same with ALL MY CARDS! I now have either NO CARD because they CANCELLED ME ALL TOGETHER OR!! they dropped it to XXXX, now totaling from XXXX to XXXX combined. BECAUSE OF THE MISSED PAYMENT! WHICH WASNT EVEN MISSED! There is no excuse in the world that would allow for me to comprehend, the scenario of : first time offender, missed two payments 30 and 60 ( which is what they said XXXX, how suddenly after 15 years of CONSECUTIVE ALWAYS ONTIME PAYMENTS NEVER ONE SINGLE MISSED IN MY LIFE!!!! ( 3 car loans, 4 student loans, 8 credit cards etc ... all paid off too!! except the newest car loan, from XX/XX/XXXX ) so, if first time offense, covid-19 financial hardship, wouldn't they CONTACT ME TO DEFFER THE PAYMENTS? OR OFFER FINANCIAL EDUCATION ON RELEIF?? especially since I did call NUMEROUS TIMES in XXXX, XXXX, XXXX twice! and spoke with someone. There was never anything offered as of an assistance for financial hardship, and they marked it wrongly late, when the math, that is even on the amortization schedule I will upload conquers this, and it WOULD HAVE BEEN MY ONLY AND FIRST OFFENSE IF IT WAS EVEN LATE> but there was no letters, calls, or contact, or statements, made to me. This blows my mind, there is also -XXXX  that isn't accounted for, from the credit balance I made in XXXX 2020, from the warranty I cancelled. they said if I wanted a check or I could have it submitted to XXXX towards payment, so I did, along with the gap which they didn't give me the correct amount back, because for 6 months I was trying to get them to cancel it. Since the XXXX XXXX department at that deal was terminated, it took months and months of me calling and going there to even get them to give me the paper to sign. This is severely impacting my financial life line I have right now. XX/XX/XXXX I was let go from job as an esthetician and also residing 20 miles out side of XXXX we were impacted the hardest in the begging and even now. I was not accepted for unemployment since I only started that job 5 months prior to covid starting. SO! PUA! I was finally accepted in XXXX, from the original application in XXXX, and only received a measly {$310.00} a week, and ran out of money some time ago. with rent {$1400.00}, credit card bills, some how NEVER DECLINING IN A BALANCE OF original amount {$0.00} out of {$5500.00} as of XX/XX/XXXX. XX/XX/XXXX = {$3000.00} out of XXXX ( all fraud ) XXXX $ XXXX FRAUD out of XXXX ... .come now XX/XX/XXXX I have PAID OUT XXXX to credit card bills that never decreased only increased, to things that aren't even on statements, but they are saying I owe them this money. today alone, amex and XXXX XXXX called XXXX times, combined total. When, XXXX XXXX was paid 11 times in one month, and XXXX, I was just sitting in their branch on Thursday! with their accounts person named XXXX, for the 19th time, about how this fraud. Someone has spoofed me, and when calling to inquire I gave out the social and the login credentials, and like an XXXX, things just crazy from XXXX to now. XXXX, was given in excess enough to cover the amounts that were to current, XXXX $ is shy from the amount that was carried through as left over, there was no late payments for XXXX and XXXX. they claim its 30 and 60 late. I have a frozen file and have been constantly in touch with everyone and the banks and XXXX XXXX  and the police and been through mental anguish XXXX, and financial XXXX, and medical XXXX from covid, that this would be seen immediately if they viewed my credit file, which they did. I have closed out my bank accounts three times since XXXX 2019, for this fraud. XXXX XXXX  said they weren't paid either, but they were, and I have XXXX XXXX itemized log, showing they were paid 8 times in one month, but yet there's about XXXX debt I saw today on the credit report, and there was nothing purchased since XXXX of XXXX, and they were paid in great access far past that amount. XXXX XXXX credit card, has three charges all from the same location, a XXXX XXXX in XXXX nj for the same amount, taken from my account for XXXX, and change, yet I never was there that day, I was in a job interview and in new york and XXXX, working in XXXX XXXX, XXXX and XXXX, which is insane because XXXX is like 1 hour plus west, with out traffic. and they showed on the statement, one debit from my account from my credit card, one from my debit card, and one from a past card I guess that I had ... .. this is crazy! so, if they didn't receive a payment because XXXX XXXX is the culprit behind all this money stolen, then I needed them to contact me ( XXXX by statement via mail like it was always sent, showing the XXXX XXXX they had in their possession was now at a XXXX balance, and that they are requesting payment ) I needed them to explain to me that there were credit options available for me since I was suffering from XXXX, XXXX, out of work esthetician in the beauty field, and in the metro vicinity of XXXX, at which I would have taken them upon those offers, like they gave to many people, but since I was onto of everything, they said that the credit balance would be for. year roughly, at which come the suprise of a life time in XXXX when I see that through XX/XX/XXXX dropping my available credit from XXXX to XXXX for many late and missed payments through a transunion report, which is bs because my credit report is FROZEN and monitored through XX/XX/XXXX I pay for and XXXX a case I have opened to resolve this, so I don't even know how XXXX was granted access, and what are the many missed payments? well then I find out XXXX didn't post a payment for a year. a whole year. it shows on my credit report I didn't pay my car payment for one year and am late!!!!!! THATS CRAZY. they need to have it debiting correctly, the exact amount of XXXX, they payment due, from the balance of XXXX and then when its negative money or there's not enough to cover in full, which would be XXXX of XXXX, with a left over of XXXX, but by then I'm already flagged negative critical past due, delinquent, and this has had the most catastrophic result on me, when I so diligently paid every since month for 15 years straight on time, reaching perfect credit, sitting at XXXX, just scooting by living off my life savings I was using to buy a house, but unemployment only allows XXXX a month, and that didn't even cover food, rent, let alone anything. I didn't leave the home, because of quarantine, and I did loose family, and my self and my son have had severe XXXX XXXX, and he stopped being able to walk at the age of XXXX, and had to have physical therapy and see an oncologist, and the medical costs due to now being on state XXXX, well, its XXXX an office visit, but I still didn't go under from covid, until now. and all from XXXX falsely recording missed and late, when in fact they didn't put the second credit balance payment of lump sum on same day at the other XX/XX/XXXX of XXXX the fraud is out of control and identity theft. I tried to get into XXXX XXXX and they locked me out because of security question, what person do I know lives in XXXX XXXX in a lease or bought a home.. three names and then one that says I don't know, and I put I don't know, because I don't! apparently I'm supposed know one of the people or am related to or am married to one of them. which is insane.","date_sent_to_company":"2021-03-06T06:45:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07054","tags":null,"has_narrative":true,"complaint_id":"4190107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2021-03-06T05:27:44.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>theft</em>."]},"sort":[6.597242,"4190107"]},{"_index":"complaint-public-v1","_id":"4190271","_score":6.5875025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX2020, I called to make a {$400.00} payment due, and they had notified me of my credit balance on the account in two amounts ( lump sums ). one for {$960.00} and a second for {$2800.00} ( was {$3200.00} but they deducted the first {$390.00} payment from balance ). So in total from XXXX 2020, {$3800.00} was a credit balance from \" me '' to pay down the payment every month as told to me by the representative I spoke to that day, around XXXX on XX/XX/XXXX. That means that, XXXX would be deducted at the start of every month, till the balance reached under that amount then I would be required to come current on payments again. That would grant me 10 months starting XX/XX/XXXX, and would end then XX/XX/XXXX, and payments would restart XX/XX/XXXX. I mad a payment of {$100.00} on XX/XX/XXXX, when I immediately learned it was somehow delinquent. XXXX XXXX, never posted the payment credit of {$960.00} through the credit agencies on my report. It shows no payments were made then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( I called and spoke to two representatives, in the actual Head quarters, regarding questions I had about the loan amount and warranties ) XXXX, XXXX, XXXX they marked as -30 days late, and then XXXX -60 days late, YET! NO! invoice was ever mailed, showing the XXXX balance and requesting a payment again. They did mail 4 stubs and itemized statements, showing XXXX due and the balance of the amount deducted from the total, which is correct. BUT! there is not any accuracies within their ability LIKE THEY HAVE ALREADY! falsely marked the account late. Mathmatically. XXXX XXXX XXXX balance of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, still had a credit and talked about recommendations of trading in car for the corporate fleet lease trade in, because its a brand new car and limited miles, and they have no warranty transfer amount like I had to pay with a CPO! I was charged {$1700.00} in total for brakes, when the car wasn't even driven XXXX, A CPO! and the warranty that WAS STILL NEW ON THE CAR ( manufactures warranty ) just to be put in my name, to STILL PAY FOR THE BREAKS! I put XXXX down cash on the car, somehow wound up getting the loan for XXXX and then paid for the warranties and gap on top of it, which I cancelled and didn't get all my money credited back. Not to mention the whole finance division was fired for stealing money and doing swindling of some sort ( first hand account, of not being told where my money went and the rip off they cost me at XXXX XXXX XXXX IN XXXX NJ! ) MOST UNSATISFIED I HAVE EVER BEEN WITH THAT LOCATION, and I have bought from them many times at XXXX! and NEVER HAD A PROBLEM! come XXXX we still have a balance of {$1000.00}. XXXX XXXX XXXX XXXX we are now starting XX/XX/XXXX with a balance of XXXX. THERE WAS NEVER A LATE PAYMENT> so, there was a payment then made on XX/XX/XXXX for the amount of XXXX. There for the full amount of me paying the entirety of this loan from the date of purchased XX/XX/XXXX to XX/XX/XXXX is XXXX and that on their amortization schedule current as of the moment I wrote this. and that works out to me paying them ( divided by exactly 24 months ) XXXX per month. THAT FACT CHECK PROVES THERE WAS NEVER ANY MISSED PAYMENTS> I made another payment to them from the XX/XX/XXXX XXXX, of XXXX. I called them on XX/XX/XXXX and asked what the heck is going on, and they said to challenge it and fill out the paper work they emailed me and their investigator from a third party company will verify what I said and then correct it, just be as detailed as possible. Not one statement regarding a payment due was sent to my address. for 15 years straight I HAD NEVER MISSED A SINGLE PAYMENT IN MY LIFE> with an available credit of XXXX by my choice, I didn't want it higher. Suddenly end of XXXX, XXXX dropped my credit from XXXX to XXXX ONLY! then American Express dropped my ONE CARD! every day card all together and the second XXXX XXXX card I have with XXXX POINTS! they dropped the available credit to only XXXX! Same with ALL MY CARDS! I now have either NO CARD because they CANCELLED ME ALL TOGETHER OR!! they dropped it to XXXX, now totaling from XXXX to XXXX combined. BECAUSE OF THE MISSED PAYMENT! WHICH WASNT EVEN MISSED! There is no excuse in the world that would allow for me to comprehend, the scenario of : first time offender, missed two payments 30 and 60 ( which is what they said XXXX, how suddenly after 15 years of CONSECUTIVE ALWAYS ONTIME PAYMENTS NEVER ONE SINGLE MISSED IN MY LIFE!!!! ( 3 car loans, 4 student loans, 8 credit cards etc ... all paid off too!! except the newest car loan, from XX/XX/XXXX ) so, if first time offense, covid-19 financial hardship, wouldn't they CONTACT ME TO DEFFER THE PAYMENTS? OR OFFER FINANCIAL EDUCATION ON RELEIF?? especially since I did call NUMEROUS TIMES in XXXX, XXXX, XXXX twice! and spoke with someone. There was never anything offered as of an assistance for financial hardship, and they marked it wrongly late, when the math, that is even on the amortization schedule I will upload conquers this, and it WOULD HAVE BEEN MY ONLY AND FIRST OFFENSE IF IT WAS EVEN LATE> but there was no letters, calls, or contact, or statements, made to me. This blows my mind, there is also XXXX that isn't accounted for, from the credit balance I made in XX/XX/XXXX, from the warranty I cancelled. they said if I wanted a check or I could have it submitted to XXXX towards payment, so I did, along with the gap which they didn't give me the correct amount back, because for 6 months I was trying to get them to cancel it. Since the WHOLE FINANCIAL department at that deal was terminated, it took months and months of me calling and going there to even get them to give me the paper to sign. This is severely impacting my financial life line I have right now. XX/XX/XXXX I was let go from job as an esthetician and also residing 20 miles out side of XXXX we were impacted the hardest in the begging and even now. I was not accepted for unemployment since I only started that job 5 months prior to covid starting. SO! PUA! I was finally accepted in XXXX, from the original application in XXXX, and only received a measly {$310.00} a week, and ran out of money some time ago. with rent {$1400.00}, credit card bills, some how NEVER DECLINING IN A BALANCE OF original amount {$0.00} out of {$5500.00} as of XX/XX/XXXX. XX/XX/XXXX = {$3000.00} out of XXXX ( all fraud ) XXXX $ XXXX FRAUD out of XXXX ... .come now XX/XX/XXXX I have PAID OUT XXXX to credit card bills that never decreased only increased, to things that aren't even on statements, but they are saying I owe them this money. today alone, amex and XXXX XXXX called 39 times, combined total. When, American Express was paid 11 times in one month, and XXXX, I was just sitting in their branch on Thursday! with their accounts person named XXXX, for the 19th time, about how this fraud. Someone has spoofed me, and when calling to inquire I gave out the social and the login credentials, and like an XXXX, things just crazy from XXXX to now. XXXX, was given in excess enough to cover the amounts that were to current, XXXX $ is shy from the amount that was carried through as left over, there was no late payments for XXXX and XXXX. they claim its 30 and 60 late. I have a frozen file and have been constantly in touch with everyone and the banks and XXXX XXXX  and the police and been through mental anguish XXXX, and financial XXXX, and medical XXXX from covid, that this would be seen immediately if they viewed my credit file, which they did. I have closed out my bank accounts three times since XX/XX/XXXX, for this fraud. XXXX XXXX  said they weren't paid either, but they were, and I have XXXX XXXX itemized log, showing they were paid 8 times in XXXX month, but yet there's about XXXX debt I saw today on the credit report, and there was nothing purchased since XXXX of XXXX, and they were paid in great access far past that amount. XXXX XXXX credit card, has three charges all from the same location, a XXXX XXXX in XXXX nj for the same amount, taken from my account for XXXX, and change, yet I never was there that day, I was in a job interview and in new york and XXXX, working in XXXX XXXX, XXXX and XXXX, which is insane because XXXX is like 1 hour plus west, with out traffic. and they showed on the statement, one debit from my account from my credit card, one from my debit card, and one from a past card I guess that I had ... .. this is crazy! so, if they didn't receive a payment because XXXX XXXX is the culprit behind all this money stolen, then I needed them to contact me ( XXXX by statement via mail like it was always sent, showing the balance credit they had in their possession was now at a XXXX balance, and that they are requesting payment ) I needed them to explain to me that there were credit options available for me since I was suffering from XXXX, XXXX, out of work esthetician in the beauty field, and in the metro vicinity of XXXX, at which I would have taken them upon those offers, like they gave to many people, but since I was onto of everything, they said that the credit balance would be for. year roughly, at which come the suprise of a life time in XXXX when I see that through XXXX dropping my available credit from XXXX to XXXX for many late and missed payments through a transunion report, which is bs because my credit report is FROZEN and monitored through XXXX I pay for and XXXX a case I have opened to resolve this, so I don't even know how XXXX was granted access, and what are the many missed payments? well then I find out XXXX didn't post a payment for a year. a whole year. it shows on my credit report I didn't pay my car payment for one year and am late!!!!!! THATS CRAZY. they need to have it debiting correctly, the exact amount of XXXX, they payment due, from the balance of XXXX and then when its negative money or there's not enough to cover in full, which would be XXXX of XXXX, with a left over of XXXX, but by then I'm already flagged negative critical past due, delinquent, and this has had the most catastrophic result on me, when I so diligently paid every since month for 15 years straight on time, reaching perfect credit, sitting at XXXX, just scooting by living off my life savings I was using to buy a house, but unemployment only allows XXXX a month, and that didn't even cover food, rent, let alone anything. I didn't leave the home, because of quarantine, and I did loose family, and my self and my son have had severe XXXX XXXX, and he stopped being able to walk at the age of XXXX, and had to have physical therapy and see an oncologist, and the medical costs due to now being on state XXXX, well, its XXXX an office visit, but I still didn't go under from covid, until now. and all from XXXX falsely recording missed and late, when in fact they didn't put the second credit balance payment of lump sum on same day at the other XX/XX/XXXX of XXXX the fraud is out of control and identity theft. I tried to get into XXXX XXXX and they locked me out because of security question, what person do I know lives in XXXX XXXX in a lease or bought a home.. three names and then one that says I don't know, and I put I don't know, because I don't! apparently I'm supposed know one of the people or am related to or am married to one of them. which is insane.","date_sent_to_company":"2021-03-06T06:45:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07054","tags":null,"has_narrative":true,"complaint_id":"4190271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-03-06T06:45:54.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>theft</em>."]},"sort":[6.5875025,"4190271"]},{"_index":"complaint-public-v1","_id":"9193310","_score":6.316229,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Hi my name is XXXX XXXX and I want to file a complaint with FOUND online business banking company who banks through XXXX XXXX. I live in XXXX and could really use someones help and guidance with my bank or be a mediator with my issue at hand here.\nMy account was hacked and taken over on XXXX XXXX after I received a call by someone at approximately XXXX by someone posing to be a spark representative. To give a little backstory before I go into what happened, this person hit my FOUND account first and then moved to my other accounts. First ill explain my three banks so no confusion, FOUND is a business account I get paid through from my job as a house cleaner. XXXX  XXXX XXXX is the bank my XXXX XXXX payments go into from my XXXX  delivery job and BRANCH is the bank XXXX  \"used\" to use as a bank to pay us our drivers payments.I had been going back and forth from Branch and XXXX  recently before this all happened and was having my payments go into there because I like how the app showed us our balance after each transaction purchased. I also had a job as a XXXX XXXX XXXX XXXX XXXX which I don't have anymore but was also having those check deposits go into my XXXX XXXX so I could keep track of the majority of my funds in one place. I also recently moved some funds around as I set up a few savings accounts with XXXX  and pockets with FOUND to make things a little more organized for to my personal liking which is why this timing of this type of hack and scam is very odd to me and almost seemed to me as if this person had prior access or authorization on me, has been spying on me, hacked my phone a while ago or used to work for XXXX  or XXXX XXXX XXXX XXXX  I bank through because I couldn't understand how he knew all the information he did. To begin On XXXX XXXX  all 3 of my bank accounts, email and XXXX  driver portal were all hacked into by this hackster. Nearly XXXX was taken from my XXXX XXXX XXXX XXXX XXXX from my XXXX XXXX  and XXXX from the FOUND account, all stolen via online money transfers.\nThe call came in as XXXX  delivery on my phone at the time and he posed as a XXXX  customer care specialist. This man took everything I had in my account with FOUND and my other two banks while hacking into my email and accessing my emails. He saw my personal emails, work emails, bank emails and somehow knew about my three banks even from the start of the conversation not to mention restricting my internet access while during the call. This call also came at an unusual time period considering just a month or so ago I reported to XXXX  that something odd was happening to my XXXX  XXXX  account because I wasnt getting any orders day in and day out for several months and wondered if there was a possibility of someone either remote accessing my phone, using my account, acting as me or using my app and taking my orders. I didnt know what to come if it and had all kinds of suspicions and theories as to what was happening to my XXXX  XXXX  account. They said it wasnt probable but they would look into it since my ratings were going down without me taking any orders. They said they would follow up with me and not to worry they would get to the bottom of it. Its odd timing only because this man made it sound like thats what he called about and made threatening suspension a likely outcome of my drivers account if I did. Also told me I needed to do a return order on the order I was currently doing because it was canceled and picked up by another driver. He knew of my location telling me to drive to the customers house to attempt order delivery. During the drive he tells me that my XXXX  XXXX XXXX  that I used that XXXX  paid me through was going to be closed and that I needed to stick to using my XXXX XXXX account from now on to be paid from XXXX. He read me my balance that was in there, a total of XXXXXXXX  and said he would transfer that to my XXXX  account and it should arrive in there by the end of the day. Not processing how he had that information or how he could get into my accounts he proceeded to guide me on how to return this order which I would be compensated for. \nAnother thing is he knew about my FOUND business account. He tried asking me for my FOUND password which I couldn't remember anyways so couldn't give him anything to go off. Once I got to Walmart to return the two items, I told him I was there, since he told me to do so the call disconnected or he hung up . I called back with no answer all it did was ring. Immediately then I knew I was scammed because the call was not answered by a XXXX  customer care specialist nor did it have the XXXX  recording at the beginning like they do. I thought well there's no way he could of gotten very far since I didn't give him any valuable information but for some reason I had a bad feeling about the whole thing and instantly I had feared the worst. Called frantically someone I knew that worked at XXXX  to ask them if they thought I had gotten scammed since I wasn't quite able to look at my account since my internet was down and they had said \"yes that sounds scammy hopefully you didn't give them your SSN\" and I just said \"all I gave them was my DOB, email and last four of SSN and never thought they could use that\" . Only banks, work places, healthcare of that nature have your information like that and can verify that with you I thought. I checked into my account with my FOUND account once I was able to get online and he took over XXXX from my account immediately following the call and then proceeded to XXXX  taking out XXXX and then hacked into my email address later on that night around XXXX locking me out so any correspondence from either bank and would go to him. Also Later on that night around same time He changed my personal info in the bank accounts while also hitting my XXXX XXXX around which was the majority of where my money was and left me negative XXXX XXXX XXXX XXXX labeled this an account takeover which was my first hearing of such a thing. \nXXXX XXXX  and my FOUND BUSINESS account has been nothing but difficult with communication at retrieving anything back in correspondence and I have had to do triple the work to get anywhere and having to re-explain everything to everyone each time has been nothing but a timely fiasco taking me away from most everything else in my life. Ive went to supervisors, managers, and then I went directly to the bank they are either partnered with or who they bank through and spoke to their manager and XXXX CEO . Finally I was able to get somewhere with XXXX  as they finally figured out what was going on after multiple escalations to dispute four big transactions to later resolve three of them. They still have yet to dispute another XXXX transaction that they forgot about. They've had to re issue another account takeover and hold my account up for two days while they do a dispute on this charge they should have done months ago but failed to do so or understand. Ive had to countlessly provide lengthy details because there is a lot that is involved but also because they would not understand nor relay information to anyone. This has also been a problem with FOUND and even worse with correspondence or actions to inform me or do what needs to be done to investigate or ask any questions even which is extremely odd almost as if they had their minds made up from the get go and nothing changes even with more information on the case. Ive gotten the same three emails and same three answers regarding their decision in the dispute each time even after more evidence and more explaining as they do not seem to understand either. Ive gotten multiple emails from different people asking to verify my info and then saying \"we haven't heard from you in over two days we will go ahead and close this case then and mark resolved\" after I emailed them more than ample times, also telling them all my points of contact when they would email me from all the different emails I had to make. This just shows how unorganized they are while not communicating with one another. No one gets back to questions I have or comments I make about their email. I had explained on multiple accounts that \"I had to change my email, this is my knew XXXX\" and its as if they never see what comes through from me. The emails Ive gotten always say the same thing too at the end after all my work I put in to gathering my evidence and sending it to each individual person, even XXXX  from the bank they bank through XXXX XXXX),I had sent all my evidence to on. First contact with her was on XXXX XXXX  . Then a supervisor by the name of XXXX XXXX  asked for the decision on the dispute be reconsidered on XXXX  and that's when I sent the really pertinent information over that showed XXXX  database of that specific order I was doing at the time this all happened and the name of the customer (as he (the hacker) has placed many of these two item orders before) all of which get canceled. How he uses the same fake name with multiple cards. I tried explaining that the customer shown is the person that called me and hacked me. That he is creating these fake orders to get drivers contact info and tries to trick them to do this return all while threatening suspension and then sending a code to their phone to be verified by the driver. That this has not only happened to me, that XXXX  has had complaints from multiple drivers of this happening to them. This was on the news, on XXXX  posts, all over online, XXXX  forums and he does this all over the country. I fell victim to it and they wont even reconsider me or my plea, the only email I get from this XXXX XXXX XXXX explains, \"the nature of the payment in question is an instant withdrawal via a linked debit card, in order for payments of this nature to process they must be initiated from directly within your FOUND account while verifying the pin associated with you account (which is not true because I have never come across this in the past) and that there is no indication that it was compromised prior to these transactions\".\" There were no new devices that gained access to your account therefore ruling out your account was compromised\". I feel like there is something hindering FOUND from giving the money back to me that either they dont understand what has happened STILL and why it is that they wont even credit me during the process of the investigation nor give timelines or act on their word or follow through with follow ups, and have it go way past timelines or they frankly dont want to pay the money. They have not done anything they are supposed to do as a bank should do. From my understanding they are a pretty new online banking system. \n All I can say is theyve been nothing but resistant and shut me down each time. Im at a point in which I dont know where else to turn or who to turn to since they have made it impossible to communicate anything at all. I am to the point of wanting to file a lawsuit against their company or organization and thought it would be in my best interest to start here first if anything. I cant let this go without trying everything I can to retrieve what was stolen. That was all my hard earned money and for them to deny my tireless attempts as if I have nothing better to do feels as though my words are falling on deaf ears as my plight to recover the stolen funds go unresolved . I am a busy person and this has taken all of my time apart from work since this whole thing happened.\nA total of all funds from all the banks was well over XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in all accounts from transactions I did not allow and no one was given access to by me and somehow this person hacked into them, transferred money somehow and left me penniless without a way to pay for anything. This was the last I ever spoke to this fraudster/ hacker criminal. The number that came up was an XXXX  number (XXXX) when the call ended but said Spark delivery on it when it came through. So I was assuming that is where the call came from. I have all the evidence you could need all I need is someone willing to hear me out, take my statements and evidence into consideration, and take the time to do the work as I have been.Someone that will have my back and protect my finances and losses as I have read their are certain protections in place for consumers and bank customers like me from banks that are not out to protect their own customers and frankly don't care. That I have rights too all I need is someone to go up to bat for me. _W_H_A_T_ The bank I want to file a complaint with while also reporting this hack/scam is now with _W_H_O_ FOUND Date of transactions needing to dispute are on:\n_W_H_E_N_ XXXX XXXX XXXX XXXX XXXX withdrawal XXXX XXXX from taxes pocket in the amount of XXXX XXXX XXXX withdrawal from primary to XXXX XXXX XXXX XXXX XXXX  then a withdrawal to visa debitXXXX XXXX XXXX XXXX XXXX XXXX\nThere was an Attempted transaction oXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat did not go through placed in XXXX XXXX then a:\nTransaction of : XXXX pocket transfer to primary on XXXX  @ XXXX and then:\nanother pocket transfer of: XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then a:\nTransaction of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX location New York \nthen a : instant transfer of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX\n\n_W_H_E_R_E_ scam/hack happened in Missouri : FOUND - no location /online bank - Bank through: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n_H_O_W_ By scam/hack/fraudster/impersonator/ IdentityTheft/ cyber crime\n_W_H_Y_Stolen funds/account takeover/unauthorized transactions/bank being uncooperative in retrieval, not investigating further of transactions and their destination\n\n FOUND bank was made aware as soon as I could talk to them the following business day XXXX since this all happened at night. I immediately froze the account on XXXX  because This person gained full access to it and they were and are still unwilling to listen to anything I had to say nor would look at my emails or attend my calls. \nThey didnt provide me with any information on what to do or what will happen, just froze my account to then later find out that I wasnt able to reach them over the phone with an automated message stating that because of the freeze they are unwilling to take my call. This went on for some period of time to then later still being unable to talk to anyone even after the account was unfrozen. They set a new recording up following that stated that all disputes will be handled through email and that they don't take calls regarding disputes, which was not in place before this incident happened. I needed to promptly speak to them as I had to make them aware that this hacker was changing my account info to a different phone number and email address (XXXX XXXX XXXX) and that I needed it changed back to mine so I can access my account again and regain some form of control back. The day of XXXX XXXX I made sure that they knew that if they got any call or email not from these said contacts of mine that they were not me since I didn't have control over my account anymore and didn't want them not believing me or not knowing who was the right owner of the account. Another thing is they hadn't set any further measures in place to verify my identity for that matter to know they were speaking to the right person. Who was to know if this person would call and contact FOUND reversing any measures I had put in place. \nIt almost feels as if they are the ones at fault here as I didn't receive any alert or notification of transactions or even fraud alert and the destination of where these transactions were sent was in New York. I find it kind of funny and a major coincidence that FOUNDS bank (XXXX) is located in New York. What are the odds? Again Ive sent them numerous documentation and photos, screenshots , evidence upon evidence. Ive never made transactions of this nature with this bank of mine nor with any of my other banks and FOUND doesn't even consider that odd or fishy?\nI have police report that I filled immediately stating the facts and have multiple evidence based reports of this crime and the incident this man is posing on innocent people. I am not the only one. So case in point I got scammed had only verified with the man my DOB and last four of my social and name and email.This scam has shown to wreak havoc on peoples lives and the money they take from people. I have been trying to work with FOUND since XXXX  and they continue to turn a blind eye on the situation as I am shedding light on it. I am just as puzzled about this whole thing as anyone and certainly don't understand how something like this can happen and feel like its partly the banks negligence, lack of security, verification set up and protocols put in place when things like this happen. Proper verification processes and means of protecting my funds could have possibly prevented such from happening. By the next day though it was already too late at that time for the freeze to even have made a difference. I changed my account number too but again too late. If I was alerted at first when these occurred I could have saved more transactions from happening.Them not following protocol or following up right away could have made a big difference but no they allowed so much time to pass by and for it to be forgotten about and the matter to have not been dealt with a sense of urgency and time sensitive things could have resulted different but Found only gets back to me when its most convenient for them after multiple attempts of communication and reaching out. I have more than enough evidence and have a full on case in which the police are trying to catch these people who are still doing this.","date_sent_to_company":"2024-06-07T11:38:08.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"656XX","tags":null,"has_narrative":true,"complaint_id":"9193310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Indie Technology DBA Found","date_received":"2024-06-07T10:59:26.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Ive <em>went</em> to supervisors, managers, and then I <em>went</em> directly to the bank they are either partnered with or who they bank through and spoke to their manager and XXXX CEO . Finally I was able to get somewhere with XXXX  as they finally figured out what was going on after multiple escalations to dispute four big transactions to later resolve three of <em>them</em>. They still have yet to dispute another XXXX transaction that they forgot about."]},"sort":[6.316229,"9193310"]},{"_index":"complaint-public-v1","_id":"4190268","_score":6.215291,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I called to make a {$400.00} payment due, and they had notified me of my credit balance on the account in two amounts ( lump sums ). one for {$960.00} and a second for {$2800.00} ( was {$3200.00} but they deducted the first {$390.00} payment from balance ). So in total from XX/XX/XXXX, {$3800.00} was a credit balance from \" me '' to pay down the payment every month as told to me by the representative I spoke to that day, around XXXX on XX/XX/XXXX. That means that, XXXX would be deducted at the start of every month, till the balance reached under that amount then I would be required to come current on payments again. That would grant me 10 months starting XX/XX/XXXX, and would end then XX/XX/XXXX, and payments would restart XX/XX/XXXX. I mad a payment of {$100.00} on XX/XX/XXXX, when I immediately learned it was somehow delinquent. XXXX XXXX, never posted the payment credit of {$960.00} through the credit agencies on my report. It shows no payments were made then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( I called and spoke to two representatives, in the actual Head quarters, regarding questions I had about the loan amount and warranties ) XXXX, XXXX, XXXX they marked as -30 days late, and then XXXX -60 days late, YET! NO! invoice was ever mailed, showing the XX/XX/XXXX balance and requesting a payment again. They did mail 4 stubs and itemized statements, showing XX/XX/XXXX due and the balance of the amount deducted from the total, which is correct. BUT! there is not any accuracies within their ability LIKE THEY HAVE ALREADY! falsely marked the account late. Mathmatically. XXXX XXXX XXXX balance of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, still had a credit and talked about recommendations of trading in car for the corporate fleet lease trade in, because its a brand new car and limited miles, and they have no warranty transfer amount like I had to pay with a CPO! I was charged {$1700.00} in total for brakes, when the car wasn't even driven XXXX, A CPO! and the warranty that WAS STILL NEW ON THE CAR ( manufactures warranty ) just to be put in my name, to STILL PAY FOR THE BREAKS! I put XXXX down cash on the car, somehow wound up getting the loan for XXXX and then paid for the warranties and gap on top of it, which I cancelled and didn't get all my money credited back. Not to mention the whole finance division was fired for stealing money and doing swindling of some sort ( first hand account, of not being told where my money went and the rip off they cost me at XXXX XXXX XXXX IN XXXX NJ! ) MOST UNSATISFIED I HAVE EVER BEEN WITH THAT LOCATION, and I have bought from them many times at XXXX! and NEVER HAD A PROBLEM! come XXXX we still have a balance of {$1000.00}. XXXX XXXX XXXX XXXX we are now starting XX/XX/XXXX with a balance of XXXX. THERE WAS NEVER A LATE PAYMENT> so, there was a payment then made on XX/XX/XXXX for the amount of XXXX. There for the full amount of me paying the entirety of this loan from the date of purchased XX/XX/XXXX to XX/XX/XXXX is XXXX and that on their amortization schedule current as of the moment I wrote this. and that works out to me paying them ( divided by exactly 24 months ) XXXX per month. THAT FACT CHECK PROVES THERE WAS NEVER ANY MISSED PAYMENTS> I made another payment to them from the XX/XX/XXXX one, of XXXX. I called them on XX/XX/XXXX and asked what the heck is going on, and they said to challenge it and fill out the paper work they emailed me and their investigator from a third party company will verify what I said and then correct it, just be as detailed as possible. Not one statement regarding a payment due was sent to my address. for 15 years straight I HAD NEVER MISSED A SINGLE PAYMENT IN MY LIFE> with an available credit of XXXX by my choice, I didn't want it higher. Suddenly end of XXXX, XXXX dropped my credit from XXXX to XXXX ONLY! then XXXX XXXX dropped my ONE CARD! every day card all together and the second XXXX XXXX card I have with XXXX POINTS! they dropped the available credit to only XXXX! Same with ALL MY CARDS! I now have either NO CARD because they CANCELLED ME ALL TOGETHER OR!! they dropped it to XXXX, now totaling from XXXX to XXXX combined. BECAUSE OF THE MISSED PAYMENT! WHICH WASNT EVEN MISSED! There is no excuse in the world that would allow for me to comprehend, the scenario of : first time offender, missed two payments 30 and 60 ( which is what they said ), how suddenly after 15 years of CONSECUTIVE ALWAYS ONTIME PAYMENTS NEVER ONE SINGLE MISSED IN MY LIFE!!!! ( 3 car loans, 4 student loans, 8 credit cards etc ... all paid off too!! except the newest car loan, from XX/XX/XXXX ) so, if first time offense, covid-19 financial hardship, wouldn't they CONTACT ME TO DEFFER THE PAYMENTS? OR OFFER FINANCIAL EDUCATION ON RELEIF?? especially since I did call NUMEROUS TIMES in XXXX, XXXX, XXXX twice! and spoke with someone. There was never anything offered as of an assistance for financial hardship, and they marked it wrongly late, when the math, that is even on the amortization schedule I will upload conquers this, and it WOULD HAVE BEEN MY ONLY AND FIRST OFFENSE IF IT WAS EVEN LATE> but there was no letters, calls, or contact, or statements, made to me. This blows my mind, there is also XXXX that isn't accounted for, from the credit balance I made in XX/XX/XXXX, from the warranty I cancelled. they said if I wanted a check or I could have it submitted to XXXX towards payment, so I did, along with the gap which they didn't give me the correct amount back, because for 6 months I was trying to get them to cancel it. Since the WHOLE FINANCIAL department at that deal was terminated, it took months and months of me calling and going there to even get them to give me the paper to sign. This is severely impacting my financial life line I have right now. XXXX XXXXXXXX XXXX I was let go from job as an XXXX and also residing 20 miles out side of XXXX we were impacted the hardest in the begging and even now. I was not accepted for unemployment since I only started that job 5 months prior to covid starting. SO! PUA! I was finally accepted in XXXX, from the original application in XXXX, and only received a measly {$310.00} a week, and ran out of money some time ago. with rent {$1400.00}, credit card bills, some how NEVER DECLINING IN A BALANCE OF original amount {$0.00} out of {$5500.00} as of XXXX XXXX XXXX XXXX = {$3000.00} out of XXXX ( all fraud ) XXXX $ XXXX FRAUD out of XXXX ... .come now XXXX XXXX XXXX I have PAID OUT XXXX to credit card bills that never decreased only increased, to things that aren't even on statements, but they are saying I owe them this money. today alone, amex and Wells Fargo called 39 times, combined total. When, XXXX XXXX was paid 11 times in one month, and Wellsfargo, I was just sitting in their branch on Thursday! with their accounts person named XXXX, for the 19th time, about how this fraud. Someone has spoofed me, and when calling to inquire I gave out the social and the login credentials, and like an XXXX, things just crazy from XXXX to now. XXXX, was given in excess enough to cover the amounts that were to current, XXXX $ is shy from the amount that was carried through as left over, there was no late payments for XXXX and XXXX. they claim its 30 and 60 late. I have a frozen file and have been constantly in touch with everyone and the banks and XXXX XXXX and the police and been through mental anguish XXXX, and financial XXXX, and medical XXXX from covid, that this would be seen immediately if they viewed my credit file, which they did. I have closed out my bank accounts three times since XX/XX/XXXX, for this fraud. XXXX XXXX  said they weren't paid either, but they were, and I have Wells Fargo itemized log, showing they were paid 8 times in one month, but yet there's about XXXX debt I saw today on the credit report, and there was nothing purchased since XXXX of XXXX, and they were paid in great access far past that amount. Wells Fargo credit card, has three charges all from the same location, a XXXX XXXX in XXXX nj for the same amount, taken from my account for XXXX, and change, yet I never was there that day, I was in a job interview and in new york and XXXX, working in XXXX XXXX, XXXX and XXXX, which is insane because XXXX is like 1 hour plus west, with out traffic. and they showed on the statement, one debit from my account from my credit card, one from my debit card, and one from a past card I guess that I had ... .. this is crazy! so, if they didn't receive a payment because Wells Fargo is the culprit behind all this money stolen, then I needed them to contact me ( XXXX by statement via mail like it was always sent, showing the balance credit they had in their possession was now at a XXXX balance, and that they are requesting payment ) I needed them to explain to me that there were credit options available for me since I was suffering from XXXX, XXXX, out of work XXXX in the XXXX XXXX, and in the metro vicinity of XXXX, at which I would have taken them upon those offers, like they gave to many people, but since I was onto of everything, they said that the credit balance would be for. year roughly, at which come the suprise of a life time in XXXX when I see that through XXXX dropping my available credit from XXXX to XXXX for many late and missed payments through a XX/XX/XXXX report, which is bs because my credit report is FROZEN and monitored through XXXX I pay for and XXXX a case I have opened to resolve this, so I don't even know how XXXX was granted access, and what are the many missed payments? well then I find out XXXX didn't post a payment for a year. a whole year. it shows on my credit report I didn't pay my car payment for one year and am late!!!!!! THATS CRAZY. they need to have it debiting correctly, the exact amount of XXXX, they payment due, from the balance of XXXX and then when its negative money or there's not enough to cover in full, which would be XXXX of XXXX, with a left over of XXXX, but by then I'm already flagged negative critical past due, delinquent, and this has had the most catastrophic result on me, when I so diligently paid every since month for 15 years straight on time, reaching perfect credit, sitting at XXXX, just scooting by living off my life savings I was using to buy a house, but unemployment only allows XXXX a month, and that didn't even cover food, rent, let alone anything. I didn't leave the home, because of quarantine, and I did loose family, and my self and my son have had XXXX XXXX XXXX, and he stopped being able to walk at the age of XXXX, and had to have physical therapy and see an oncologist, and the medical costs due to now being on state medicaid, well, its XXXX an office visit, but I still didn't go under from covid, until now. and all from XXXX falsely recording missed and late, when in fact they didn't put the second credit balance payment of lump sum on same day at the other XX/XX/XXXX of XXXX the fraud is out of control and identity theft. I tried to get into XXXX XXXX and they locked me out because of security question, what person do I know lives in XXXX XXXX in a lease or bought a home.. three names and then one that says I don't know, and I put I don't know, because I don't! apparently I'm supposed know one of the people or am related to or am married to one of them. which is insane.","date_sent_to_company":"2021-03-06T06:45:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07054","tags":null,"has_narrative":true,"complaint_id":"4190268","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-03-06T06:45:54.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>theft</em>."]},"sort":[6.215291,"4190268"]},{"_index":"complaint-public-v1","_id":"4190274","_score":6.1996546,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX of 2020, I called to make a {$400.00} payment due, and they had notified me of my credit balance on the account in two amounts ( lump sums ). one for {$960.00} and a second for {$2800.00} ( was {$3200.00} but they deducted the first {$390.00} payment from balance ). So in total from XXXX 2020, {$3800.00} was a credit balance from \" me '' to pay down the payment every month as told to me by the representative I spoke to that day, around XXXX on XXXX/XXXX/20. That means that, XXXX would be deducted at the start of every month, till the balance reached under that amount then I would be required to come current on payments again. That would grant me 10 months starting XXXX 2020, and would end then XX/XX/XXXX2021, and payments would restart XXXX 2021. I mad a payment of {$100.00} on XX/XX/XXXX2021, when I immediately learned it was somehow delinquent. XXXX XXXX, never posted the payment credit of {$960.00} through the credit agencies on my report. It shows no payments were made then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( I called and spoke to two representatives, in the actual Head quarters, regarding questions I had about the loan amount and warranties ) XXXX, XXXX, XXXX they marked as -30 days late, and then XXXX -60 days late, YET! NO! invoice was ever mailed, showing the XX/XX/XXXX balance and requesting a payment again. They did mail 4 stubs and itemized statements, showingXX/XX/XXXX due and the balance of the amount deducted from the total, which is correct. BUT! there is not any accuracies within their ability LIKE THEY HAVE ALREADY! falsely marked the account late. Mathmatically. XXXX XXXX XXXX balance of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, still had a credit and talked about recommendations of trading in car for the corporate fleet lease trade in, because its a brand new car and limited miles, and they have no warranty transfer amount like I had to pay with a CPO! I was charged {$1700.00} in total for brakes, when the car wasn't even driven XXXX, A CPO! and the warranty that WAS STILL NEW ON THE CAR ( manufactures warranty ) just to be put in my name, to STILL PAY FOR THE BREAKS! I put XXXX down cash on the car, somehow wound up getting the loan for XXXX and then paid for the warranties and gap on top of it, which I cancelled and didn't get all my money credited back. Not to mention the whole finance division was fired for stealing money and doing swindling of some sort ( first hand account, of not being told where my money went and the rip off they cost me at XXXX XXXX XXXX IN XXXX NJ! ) MOST UNSATISFIED I HAVE EVER BEEN WITH THAT LOCATION, and I have bought from them many times at XXXX! and NEVER HAD A PROBLEM! come XXXX we still have a balance of {$1000.00}. XXXX XXXX XXXX XXXX we are now starting XX/XX/XXXX with a balance of XXXX. THERE WAS NEVER A LATE PAYMENT> so, there was a payment then made on XX/XX/XXXX for the amount of XXXX. There for the full amount of me paying the entirety of this loan from the date of purchased XX/XX/XXXX to XX/XX/XXXX is XXXX and that on their amortization schedule current as of the moment I wrote this. and that works out to me paying them ( divided by exactly 24 months ) XXXX per month. THAT FACT CHECK PROVES THERE WAS NEVER ANY MISSED PAYMENTS> I made another payment to them from the XX/XX/XXXX one, of XXXX. I called them on XX/XX/XXXX and asked what the heck is going on, and they said to challenge it and fill out the paper work they emailed me and their investigator from a third party company will verify what I said and then correct it, just be as detailed as possible. Not one statement regarding a payment due was sent to my address. for 15 years straight I HAD NEVER MISSED A SINGLE PAYMENT IN MY LIFE> with an available credit of XXXX by my choice, I didn't want it higher. Suddenly end of XXXX, Discover dropped my credit from XXXX to XXXX ONLY! then XXXX XXXX dropped my ONE CARD! every day card all together and the second XXXX XXXX card I have with XXXX POINTS! they dropped the available credit to only XXXX! Same with ALL MY CARDS! I now have either NO CARD because they CANCELLED ME ALL TOGETHER OR!! they dropped it to XXXX, now totaling from XXXX to XXXX combined. BECAUSE OF THE MISSED PAYMENT! WHICH WASNT EVEN MISSED! There is no excuse in the world that would allow for me to comprehend, the scenario of : first time offender, missed two payments 30 and 60 ( which is what they said XXXX, how suddenly after 15 years of CONSECUTIVE ALWAYS ONTIME PAYMENTS NEVER ONE SINGLE MISSED IN MY LIFE!!!! ( 3 car loans, 4 student loans, 8 credit cards etc ... all paid off too!! except the newest car loan, from XX/XX/XXXX ) so, if first time offense, covid-19 financial hardship, wouldn't they CONTACT ME TO DEFFER THE PAYMENTS? OR OFFER FINANCIAL EDUCATION ON RELEIF?? especially since I did call NUMEROUS TIMES in XXXX, XXXX, XXXX twice! and spoke with someone. There was never anything offered as of an assistance for financial hardship, and they marked it wrongly late, when the math, that is even on the amortization schedule I will upload conquers this, and it WOULD HAVE BEEN MY ONLY AND FIRST OFFENSE IF IT WAS EVEN LATE> but there was no letters, calls, or contact, or statements, made to me. This blows my mind, there is also XXXX that isn't accounted for, from the credit balance I made in XX/XX/XXXX, from the warranty I cancelled. they said if I wanted a check or I could have it submitted to XXXX towards payment, so I did, along with the gap which they didn't give me the correct amount back, because for 6 months I was trying to get them to cancel it. Since the WHOLE FINANCIAL department at that deal was terminated, it took months and months of me calling and going there to even get them to give me the paper to sign. This is severely impacting my financial life line I have right now. XX/XX/XXXX I was let go from job as an esthetician and also residing 20 miles out side of XXXX we were impacted the hardest in the begging and even now. I was not accepted for unemployment since I only started that job 5 months prior to covid starting. SO! PUA! I was finally accepted in XXXX, from the original application in XXXX, and only received a measly {$310.00} a week, and ran out of money some time ago. with rent {$1400.00}, credit card bills, some how NEVER DECLINING IN A BALANCE OF original amount {$0.00} out of {$5500.00} as of XX/XX/XXXX. XX/XX/XXXX = {$3000.00} out of XXXX ( all fraud ) XXXX $ XXXX FRAUD out of XXXX ... .come now XX/XX/XXXX I have PAID OUT XXXX to credit card bills that never decreased only increased, to things that aren't even on statements, but they are saying I owe them this money. today alone, amex and XXXX XXXX called 39 times, combined total. When, XXXX XXXX was paid 11 times in one month, and XXXX, I was just sitting in their branch on Thursday! with their accounts person named XXXX, for the 19th time, about how this fraud. Someone has spoofed me, and when calling to inquire I gave out the social and the login credentials, and like an XXXX, things just crazy from XXXX to now. XXXX, was given in excess enough to cover the amounts that were to current, XXXX $ is shy from the amount that was carried through as left over, there was no late payments for XXXX and XXXX. they claim its 30 and 60 late. I have a frozen file and have been constantly in touch with everyone and the banks and XXXX XXXX  and the police and been through mental anguish XXXX, and financial XXXX, and medical XXXX from covid, that this would be seen immediately if they viewed my credit file, which they did. I have closed out my bank accounts three times since XX/XX/XXXX, for this fraud. XXXX XXXX  said they weren't paid either, but they were, and I have XXXX XXXX itemized log, showing they were paid 8 times in one month, but yet there's about XXXX debt I saw today on the credit report, and there was nothing purchased since XXXX of XXXX, and they were paid in great access far past that amount. XXXX XXXX credit card, has three charges all from the same location, a XXXX XXXX in XXXX nj for the same amount, taken from my account for XXXX, and change, yet I never was there that day, I was in a job interview and in new york and XXXX, working in XXXX XXXX, XXXX and XXXX, which is insane because XXXX is like XXXX hour plus west, with out traffic. and they showed on the statement, XXXX debit from my account from my credit card, XXXX from my debit card, and XXXX from a past card I guess that I had ... .. this is crazy! so, if they didn't receive a payment because XXXX XXXX is the culprit behind all this money stolen, then I needed them to contact me ( XXXX by statement via mail like it was always sent, showing the XXXX XXXX they had in their possession was now at a XXXX balance, and that they are requesting payment ) I needed them to explain to me that there were credit options available for me since I was suffering from XXXX, XXXX, out of work esthetician in the beauty field, and in the metro vicinity of XXXX, at which I would have taken them upon those offers, like they gave to many people, but since I was onto of everything, they said that the credit balance would be for. year roughly, at which come the suprise of a life time in XXXX when I see that through XXXX dropping my available credit from XXXX to XXXX for many late and missed payments through a transunion report, which is bs because my credit report is FROZEN and monitored through XX/XX/XXXX I pay for and XXXX a case I have opened to resolve this, so I don't even know how XXXX was granted access, and what are the many missed payments? well then I find out XXXX didn't post a payment for a year. a whole year. it shows on my credit report I didn't pay my car payment for XXXX year and am late!!!!!! THATS CRAZY. they need to have it debiting correctly, the exact amount of XXXX, they payment due, from the balance of XXXX and then when its negative money or there's not enough to cover in full, which would be XXXX of XXXX, with a left over of XXXX, but by then I'm already flagged negative critical past due, delinquent, and this has had the most catastrophic result on me, when I so diligently paid every since month for 15 years straight on time, reaching perfect credit, sitting at XXXX, just scooting by living off my life savings I was using to buy a house, but unemployment only allows XXXX a month, and that didn't even cover food, rent, let alone anything. I didn't leave the home, because of quarantine, and I did loose family, and my self and my son have had severe XXXX XXXX, and he stopped being able to walk at the age of XXXX, and had to have physical therapy and see an oncologist, and the medical costs due to now being on state XXXX, well, its XXXX an office visit, but I still didn't go under from covid, until now. and all from XXXX falsely recording missed and late, when in fact they didn't put the second credit balance payment of lump sum on same day at the other XXXX/XXXX/20 of XXXX the fraud is out of control and identity theft. I tried to get into XXXX XXXX and they locked me out because of security question, what person do I know lives in XXXX XXXX in a lease or bought a home.. three names and then one that says I don't know, and I put I don't know, because I don't! apparently I'm supposed know one of the people or am related to or am married to one of them. which is insane.","date_sent_to_company":"2021-03-06T06:45:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07054","tags":null,"has_narrative":true,"complaint_id":"4190274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-03-06T06:45:54.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>theft</em>."]},"sort":[6.1996546,"4190274"]},{"_index":"complaint-public-v1","_id":"3193403","_score":5.867997,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened a credit card with Chase and was approved for their Amazon credit card in XXXX for the purposes of utilizing the rewards for purchases on the Amazon.com website. I frequently purchase items on Amazon and was attracted to this card for the 5 % rewards that were offered. I used the card VERY sparingly and was only buying amazon items and then sending in a payment to pay those items off. After receiving this card, I discovered that my now ex girlfriend had been stealing the card out of my wallet and making purchases without my knowledge and then returning the card to my wallet so it was not missing. At no time was she ever given permission to access my card nor was she ever an authorized user. She was simply my girlfriend at the time and we shared a residence. Our agreement was to pay the bills and split them evenly. She took care of the finances in our house, so she would tell me how much money to pay her each money to cover these expenses. After several months, I noticed that my credit cards, once being Chase, had numerous unauthorized charges and were items such as our power bill, cable billl, water bill, her cell phone, her car insurance and many many other items that were not authorized by myself. When confronted, she admitted to making the charges without my permission and stated she \" just didn't have the money to pay those bills '' because she was spending the cash I provided her to pay those bills and used the card to cover her debts. I was very angry and threatened to report her to the police since she was using the cards without my permission. I gave her 30 days to pay them off in full or I would report her to the police. \n\nNaturally before the 30 days was over I calmed down and was able to speak to her in more open frame of mind. She explained she tried to borrow the money from her parents and they said it was her deception and wrongdoing and they weren't going to bail her out by giving her the money. She stated she tried to borrow money in other manners but could not get the funds. She asked me to allow her to simply make the payments and pay the card off, although, she could not do that within 30 days. She informed me that when she received her tax returns should could probably pay the entire amount off. This conversation occurred roughly 1 year after receiving the card before I discovered the fraud. I agreed to this arrangement for only a few reasons. # 1 we lived together and having her arrested would negatively impact me as much as her because I relied on part of her income to help pay the bills. # 2. We were dating and I would be having my own girlfriend locked up who I did care for romantically and we had been in a long term relationship which could possibly progress further # 3. I had supported her solely for 6 months while she was unable to work to attend XXXX school. I had invested a significant amount of time and effort to assist her getting into XXXX school as well as caring for her children while she attended classes and then also began working part time during the night to cover expenses. As a result, turning her in would have made her a felon and that would have stopped her from becoming a XXXX  and would have wasted all of my effort to help her get where she was trying to improve herself. Also, if she was unable to become a XXXX due to a possible criminal record, it may be nearly impossible to pay off the credit cards which she had used without my permission and knowledge. At the time of this discovery, the balances of all 3 cards she was using without my consent was in the area of {$16000.00}. \n\nI agreed to let her pay monthly payment until the time she received her lump sum from a combination of school loan money and tax returns. The only problem is that when both the tax returns and student loan money came in months later, she had spent it, without paying as agreed, and then later told me she couldn't follow through. So she once again said not to worry, they will all be paid off within 12 months if I just gave her time. I agreed as I did not have much chose at that time and still believed she would handle the charges as promised. \n\nI later bought a home in XX/XX/XXXX and my girlfriend and her children moved in with me. It was on or about XX/XX/XXXX that I discovered she had still be using my credit cards, even though I had physically removed them from my home. I immediatly terminated the relationship due to this continued lack of trust and theft and kicked her out of my home. I started to pull together statements and verify information and found out my accounts totaled nearly 23k in credit card charges and she had been using my cards electronically. The now ex girlfriend showed me a notebook where she had copied down my full credit card numbers, expiration dates, security codes, full name, social, and birth date in order to continue to use these cards. She did not state that was the original reason for collecting this information. she stated she did that to be able to call in and make payments over the phone on my credit cards so the minimum payments were being made. I did not think about how she was making the payments towards the cards, but that the cards themselves were being paid. It now dawned on me that she had stolen my information and personal identity and was continuing to use that to verify information when using these cards electronically without physical access to these cards. This allowed her to continue top use the cards and keep me in the dark on the balances and still make the minimum payments to prevent any type of collection calls or letter to be sent to me. \n\nI demanded payment in full on these cards as a matter of restitution from the ex girlfriend after breaking off the relationship of 5 years. She informed me she would be happy to do this and was going to once again send me her school money in XXXX of XXXX  which would be XXXX and estimated she would have another $ XXXX from her tax returns and then would have one final student disbursement that she could pay to me to mostly pay off the balances. She assured me she could pay the amounts off in 12 months and she would be a XXXX  soon so that total would not be an issue with her newer higher paying job. I agreed only because she swore the money would be repaid and that allowed her to remain a XXXX with no legal action. The months came and went and no money was paid. I began to demand payment in full and near XXXX or XX/XX/XXXX she stated she had \" changed her mind '' just as I had done in regards to our relationship and I could just do what I wanted as she had no intentions of paying anything any longer. She also informed me she had spoken to a lawyer previously in the year and he was prepared to defend her in the event I wanted to sue her. However, she also stated that he had determined that the statute of limitations had already expired the previous month and she was no longer liable in civil court and I could try and sue her, but nothing would come of the case. It then dawned on me the entire reasons for these delays was to buy more time to let this statute of limitations pass at the advice of her attorney before telling me she no longer intended to pay on them as promised. Although she had written up a \" contract '' which was never signed agreeing to repay certain amounts of money she felt she owed, it was never executed or signed and therefore could not be enforced. \n\nI was furious and believed I was now fully responsible for these cards and she had left me responsible for all of her fraud and I would have to repay the amounts or face a judgement against me on my house which I had just purchased. I am barely surviving on the income I have and the {$700.00} minimum payments needed to be paid each month was crushing me financially. However, I was also mistakenly under the impression that I only had a time frame of 90 days to report the fraudulent charges are they were no longer able to be disputed on my behalf. Since the original fraudulent charge made on one credit card appeared to have occurred around XX/XX/XXXX with my XXXX XXXX, I believe I could no longer purse relief through the credit card companies. I began to shoulder all the payments of the minimums which was financially unbearable with a full mortgage to pay alone at {$880.00} per month, all utilities, a $ XXXX/mo student loan payment, and now an additional {$700.00} per month minimum credit card payment that was 2/3rds interest by the time the money was applied. This was unbearable and I feared I was going to lose my home over this fraudulent debt which I was saddled with. \n\nFinally in about XX/XX/XXXX I decided to go out on a limb and see if there was ANY alternative to assist me in paying off the credit cards. I was already completely broke with no savings and no furniture other than an air mattress for a bed because the ex had taken all of the furniture in my home since she owned it, including all blankets, pillows, even toiletries and left me with literally nothing. I had a plastic lawn chair as my only chair and the air mattress using borrowed blankets and pillows because I didn't have any extra money to purchase these basic items due to the credit card minimum payments. I was doing everything I could to survive, but the payments were too much burden on me to survive. I finally broke down and began to call the credit card companies involved including Chase, XXXX, and XXXX XXXX XXXX, I was overjoyed at first contact because all three cards informed me through their fraud department that I was NOT liable for charges I did not authorize and that were made by the ex. They stated my mistaken assumption of only having 90 days to report her fraud was incorrect and that they all had a zero fraud liability policy and they would make sure to remove those charges from my card and do a thorough fraud investigation on my behalf to hold her liable for her theft. \n\nI immediately began gathering evidence as requested by the fraud team members and provided statements with highlighted charges that were unauthorized on my cards. Within days of submitting these unauthorized charges, my accounts were being refunded and the charges were being taken off. Chase was the very first card to remove all charges from my account and I was at an approximately balance of negative {$10000.00}!!! I could not believe how any charges had been made by her over a 3 year period an discovered most of these charges were made by her in a shorter time frame of a year and a half due to the card only being open since XXXX. The negative balance was available to me to use as my refund and I was informed by a customer service operator that I could still use the card and any charges would come off as credited towards the negative balance. I was even told I could use the card to withdraw money as a \" cash advance '' but would be limited to my limit of {$600.00}. As a result, I requested a PIN number to be sent to me so that I could withdraw some cash and pay bills such as rent and other utilities that had been crushing me financially for so long. I used some of the money to get basic necessities like stock up on my groceries and get food in my freezer, buy items from XXXX and XXXX XXXX, and pay my mortgage and light bill without being completely broke for the first time in a long time. I also used some of the money to buy into a few small investments that I could not touch. Unfortunately, during the month of XXXX, my card suddenly stopped working when I still had a balance of negative XXXX. When I called into card services, I was transferred a department that then transferred me to a supervisor without ever explaining to me why I had no use of my card. Finally the supervisor in the card services explained my card had been shut off for excessive use of my credit line and the card had been cancelled! I asked why this was even possible since Chase still owed me {$2500.00} for my REFUND of fraudulently charged items, payments, and interest which had accrued and that my balance was as low as negative XXXX! The gentleman on the phone took a few minutes to review my account and then stated he saw what I was referring to and it appeared someone had made a mistake and cancelled the card believing I was running up and excessive balance on my card, when in reality, he could see I was using my refunded credit amount. I told him how I was told I could simply use the card as normal until my negative balance was exhausted and was doing exactly what I was instructed to do. I was trying to get back my refunded money that was stuck on that card. The supervisor stated he understood and was going to submit a request for my account to have a \" reconsideration '' to review the closure and that he would document that it was a misunderstanding and my account was not being excessively used other than to attempt to withdraw my refunded amount. He informed me the review process can take approximately 7 to 10 days, but to check back in a few more days. I did not check back on the status immediately, but instead, received a call on or about XX/XX/XXXX from a superior stating my card had been reviewed and they were reinstating my usage of the card. I had also previously asked what would become of my negative {$2500.00} when the card was \" cancelled '' and was informed that they would wait 7 days and the company would send me the refunded credit as a check to ensure any pending charges were posted to my account. I thanked them for their help and waited to receive my check. Once my card was reinstated, I realized that they were not going to send the check since I now had access to the balance and there for used it to pull {$1500.00} off towards another small investment and would later request they company mail me a check for the remaining {$1000.00} which would leave the card with a balance of {$0.00}. I was finally stress free and realizing I could not get my furniture I so desperately needed and would not have to stress about how to buy food when I could barely afford my mortgage with these credit card payments. \n\nUnfortunately my happiness and excitement did not last long because I received another phone call Monday afternoon from a woman who identified herself as the fraud investigator assigned to my case. I can not remember the womans name, but I was given her contact information as XXXX, extension XXXX. This fraud investigator stated she had concluded \" her '' investigation and decided that the charges reported were NOT FRAUD because my ex was \" given access to these cards by me because she lived with me ''. I immediately stopped her and informed her that I had NEVER given her access and she was mistaken, someone obviously had made a mistake on the file. The investigator stated that she had NOT made any mistake, and that since the person who committed this fraud lived with me, she naturally would have had access to my cards by simply going into my dresser or wallet to take these cards and use them, even if I didn't give her permission to do so. \n\nAfter hearing this comment, I was LIVID with such as careless point of view that she was suggesting I was to blame for this fraud because simply LIVING with someone was enough grounds to determine they \" might '' take your card some day and use it without your permission and put it back. As a result, by them living in your residence, it is now your fault even though we have NEVER been married and she was NEVER an authorized user on my card. This made no sense to me and I immediately told this supervisor I could not believe someone could steal a credit card from me, use it, and put it back and it was acceptable simply because she lived at my residence. This would mean that absolutely ANYONE who had a roommate or child, or even just a friend living with them would be exposed to this same credit card fraud because she is blaming the victim for someone living in their home! The investigator stated that \" Well sir, we are a financial institution and we simply can not refund these charges because you allowed her to use them since she was living there and as a result she knew how to gain access to the cards. '' I wish that this phone conversation had not been as devastating as it was, but then the investigator continued to tell me she had more bad news. The investigator stated that Chase had \" mistakenly double refunded the charges and as a result we are putting approximately {$13000.00} back on your card because we accidentally made a {$6000.00} mistake ''. I tried to stop her and ask for more of an explanation of HOW could this POSSIBLY HAPPEN! How can a financial institution make such a stupid error and tell me they made a {$6000.00} mistake and were telling me that they were now going to add this back onto my card along with all charges she whimsically decided to deny refunds on for a balance of {$13000.00} on a single credit card that only had a maximum credit limit of {$3500.00}!! This means that if she would follow through with this decision, the banks unforgivable mistake would end up making me look like I had a balance that exceeded my credit limit by over {$10000.00} and absolutely DESTROY my credit rating in the process! They would also be charging me the feels that would make withdrawing the money from the ATM 's as my refund appear to be cash advances at the rate of 27 % on top of 23 % for the fraudulent charges. The minimum payments on this card would absolutely bankrupt me and I was the victim of fraud! How could this even be acceptable for someone to be the victim of fraud, try to resolve the situation on behalf of the credit card companies by making payments and even trying to get thief to pay the funds back in full, and then victimize me a second time by taking all the money back, hitting me with THEIR {$6000.00} mistake because someone miscalculated and told me that money was mine to use, and then now want it back after it has been spent? All while I was promised in the beginning that these fraudulent charges would not be my responsibility from the very day I called! If I had known this is how terrible the service was and that the credit card companies could not even figure out how to do their own refunds properly without making any mistakes, I would never have opened the card to begin with. That way I could never have been victimized through the fraud by Chase and their guarantee that I had \" zero fraud liability '' and was protected. That is apparently not true because their investigator simply wanted to find a way to blame ME for the charges when they could't find any other way to deny the claim, she would make a ridiculous conclusion that simply living with her negated the fraud and was now my responsibility. I did not receive these  same statements from XXXX XXXX XXXX nor XXXX XXXX and XXXX lost FAR more money than Chase in the theft in the amount of nearly {$31000.00} alone. Yet, they have refunded the amounts and asked for affidavits of fraud and any assistance of criminal prosecution of my ex girl friend. Chase did not even so much as offer me an affidavit to sign for fraud and I have offered on numerous occasions to assist them with any criminal charges should they choose to pursue that avenue. I once again informed this same fraud investigator that I would be willing to assist with a criminal investigation to assist them as I was doing the same with XXXX card, yet she said to her this was entirely civil and they were not going to refund any money. She did not care that her decision was unfounded and had no compassion that her decision is going to wreck my financially and destroy my credit. So, I immediately told the investigator that I wanted this decision appealed to a supervisor for review as I did not feel her determination was one based on any factual reasoning that was a legitimate law or policy. She stated that she could try to get a supervisor on the phone but they were busy, or she could resubmit this case to a department but that they would need to do another full investigation. I told her that would be find as I knew that these charges were fraudulent and I would not allow her to call these unauthorized charges my responsibility based on her statement my ex-girlfriend could make those charges simply because she lived in the same house hold. Why would ANYONE ever need an authorized user card then? Apparently she believed you can just take someone's card behind their back and use it and it would be perfectly acceptable! So, I stated I wanted the review done on my decision and the account to be looked at by another person above her with more authority. I told her I wanted this account left alone since adding this XXXX back onto my card was an unfair burden on both me and my credit and that would cause me even further damage. The investigator simply stated that \" The file will be submitted for review and further investigation '' and my full belief is she understood I was appealing her decision and asking for someone else to review this account and stay her reversal onto my card. I am now looking at my account today and realizing that this investigator did the exact opposite and I now have all charges put back onto my card with a balance of {$13000.00} with no available credit and over the limit by {$9500.00}!. My credit rating which was severely harmed from the fraudulent credit card charges will not be even FURTHER destroyed just as I began to recover. There is no possible way I can in good conscience make payments on charges I know are both fraud due to theft and also mistakes made by the same company that promised to protect me should this happen. Instead both parties are further harming me financially by making me liable for them and I am the victim! It is unimaginable to me to think any reputable company would be so callous, reckless, and irresponsible to the victim of a crime and then further harm them by claiming they \" accidentally '' made a mistake of {$6000.00}! That is not MY fault that they made that mistake as they were the ones who informed me I could spend this money as it was MINE! I would NEVER charge {$6000.00} on a credit card in this manner as I am far more financially responsible that this and I feel as they have now baited me into a trap and are trying to wash their hands of their own responsibility for both the fraud and their \" error '' of double refunding me charges. I am NOT able to pay this money back and I do not have the the ability to make the massive monthly payments their error will incur on me. This is simply not something I can ever forget and I will likely be forced to switch my credit card accounts to another company in the future as I feel there was never any intention to help me with being defrauded by this investigator. I will make sure to tell everyone I know to cancel any credit card, bank account, investment product and any other item they may have with Chase or any Chase bank due to how I was treated and how they have proven their word of \" zero fraud liability '' really doesn't actually apply and superficial reasons will be made up that do not even exist in their card polices. \n\nSo in other words, Chase will make up whatever story they want and try to blackmail you into paying off someone else 's illegal charges while offering NO protection and threaten damage to your credit, employment, liens and judgments on your home, and ultimately the shame of having a destroyed credit report committed by someone who was never held responsible for their fraudulent charges to begin with. I have never felt more violated in my life than I do right now and I have never felt more hopeless and depressed than I do now because I can not possibly pay this money back and nor should I have to. I am the victim not the criminal!","date_sent_to_company":"2019-04-02T16:02:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3193403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-03-27T23:35:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["There is no possible way I can in good conscience make payments on charges I know are both fraud due to <em>theft</em> and also mistakes made by the same company that promised to protect me should this happen. Instead both parties are further harming me financially by making me liable for <em>them</em> and I am the victim!"],"issue":["<em>Problem</em> with a purchase shown on your statement"]},"sort":[5.867997,"3193403"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":24,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":24}]}},"product":{"doc_count":24,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6},{"key":"Credit repair services","doc_count":1}]}},{"key":"Checking or savings account","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":5}]}},{"key":"Debt 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