{"took":863,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":61,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9416667","_score":19.567257,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo, and its subsidiary, Wells Fargo Bank , N.A . has prematurely charge our business account with overdraft fees consistently. Moreover, the Bank 's employee months from the account being opened a Wells Fargo employee criminally breached the account opening account in the names of its business using the business account and account owner 's personal information. without the business account owner 's knowledge or consent. Violating CFPB sections [ d ] 1031 and 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12, and possibly more. This has caused our small disadvantaged business financial and repetitional damage to date creating financial instability. Additionally, just to note that the original complaint in the matter somehow mysteriously disappeared, and a new one was established case # XXXX which would prolong investigations further while the business waits to be made whole from the damages, and suffers further financially.","date_sent_to_company":"2024-07-03T17:39:01.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"30328","tags":null,"has_narrative":true,"complaint_id":"9416667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-07-03T16:58:31.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Violating <em>CFPB</em> sections [ d ] 1031 and 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12, and <em>possibly</em> more. This has caused our small disadvantaged <em>business</em> financial and repetitional damage to date creating financial instability."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[19.567257,"9416667"]},{"_index":"complaint-public-v1","_id":"6512586","_score":17.964645,"_source":{"product":"Mortgage","complaint_what_happened":"I was just approached by a person claiming to be the new owner of my home and days ago I received an Unsigned letter from XXXX XXXX Offices letter stating that XXXX XXXX is the new owner and is recorded in the Reg of Deeds XXXX XXXX, XXXX  as such on XXXX. This man just moments ago, came to my door and told me that it is his business and that I will be served next week. This claiming of my home of XXXX yrs being XXXX yrs old and XXXX is seriously making me ill especially with my XXXX XXXX. I am also asking the CFPB please forward this complaint in its entirety to the FBI, IRS, XXXX for possible racketeering whereas XXXX XXXX is also involved with this XXXX XXXX and the XXXX XXXX XXXX and etc.. I am concerned for my physical safety and my home being compromised by these criminals. Please frwd this complaint as I have requested to the parties mentioned above before my life and home is in danger. I need this matter to be investigated for many possible crimes possibly violating XXXX act of 2001?? Please see received letter from XXXX XXXX, XXXX  and business card for supposed new owner. There is a reason that this is changing hands days apart please investigate and forward this as I have requested to those agencies for investigations. I feel my life and home is in danger.","date_sent_to_company":"2023-01-31T15:02:00.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"020XX","tags":"Older American","has_narrative":true,"complaint_id":"6512586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Harmon Law Offices, P.C.","date_received":"2023-01-31T14:33:37.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am concerned for my physical safety and my home being compromised by these <em>criminals</em>. Please frwd this complaint as I have requested to the parties mentioned above before my life and home is in danger. I need this matter to be <em>investigated</em> for many possible crimes <em>possibly</em> violating XXXX act of 2001?? Please see received letter from XXXX XXXX, XXXX  and <em>business</em> card for supposed new owner."]},"sort":[17.964645,"6512586"]},{"_index":"complaint-public-v1","_id":"5119653","_score":14.106206,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is a follow up to a previous submission with respect to Spirit Airlines. The CFPB falsely stated that they contacted me for more information. I never received any request from the CFPB for more information. I do not know what information could possibly be needed since no one contacted me about anything. I think CFPB is political ly charged and investigates claims when it wants to based what side of the political fence the issue falls upon. Obviously, this was not the right side this the false claim was made and no investigation occurred. For the record, spirit cancelled my flight and left me stranded in XXXX for 7 days. Spirit never offered or provided any travel voucher or other means of compensation for the matter. The original issue follows to which you alleged a request of information which you did not or at least I never received such request. \n\nThe problem here is with Spirit Airlines which is required to comply with XXXX rules as far as transactions go and FAA rules with the handling and processing of significant delays and carrier cancellations. Spirit Airlines complies with neither. Take for example three confirmation codes as follows : XXXX, XXXX, XXXX. What spirit does which not only skirts the said rules/statutes, it, also, improperly and via irreparable harm places a hold on funds for several days ( in some cases up to 3 business days ) thereby preventing the use of funds, since this is a debit card, not a credit card, and then after holding up the funds Spirit releases the hold and cancels the confirmation code associated with the attempted booking. Now, what is particularly important is that there is a link between Spirit Airlines and illegal monitoring of my internet data, since I I literally watching Spirit Airlines change and modify flight details like price in particular as I am actually walking through the steps to finalizing the booking. And all of this occurs very quickly usually in under a minute. So what we have here is almost like some sort of criminal intent whereas Spirit Airlines is trying to control or override my free my free will by creating impossible, irregular, unreasonable delays, and extraordinarily costs the intent or which is to interfere with my travel itinerary. Then they have the audacity, after trying to scam me, to try and XXXX me more by asking for more money I.e. modification and upcharge fees for their FAA non-compliance. This non-sense with Spirit Airlines is surreal.","date_sent_to_company":"2022-01-18T14:22:52.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5119653","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-01-18T14:05:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The <em>CFPB</em> falsely stated that they contacted me for more information. I never received any request from the <em>CFPB</em> for more information. I do not know what information could <em>possibly</em> be needed since no one contacted me about anything. I think <em>CFPB</em> is political ly charged and <em>investigates</em> claims when it wants to based what side of the political fence the issue falls upon. Obviously, this was not the right side this the false claim was made and no <em>investigation</em> occurred."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[14.106206,"5119653"]},{"_index":"complaint-public-v1","_id":"12450178","_score":12.641529,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Urgent Request for Further Investigation Bank of America Claim # XXXXXXXX XXXX XXXX  XXXX XXXX Fraud Claim Dear Consumer Financial Protection Bureau XXXX This letter is a follow-up to our previous complaint regarding Bank of America 's fraudulent activity and our subsequent experiences with their dispute resolution process. We are writing to you again due to the unacceptable response we received from Bank of America in their letter dated XX/XX/year>, regarding our initial claim number XXXX. A copy of their letter is attached. We believe that Bank of America 's actions warrant further investigation by the CFPB, and possibly a criminal investigation into their business practices. \n\nTheir letter is not only inaccurate and misleading but demonstrates a blatant disregard for the facts and a deliberate attempt to evade responsibility for the fraudulent activity on the XXXX XXXX XXXX XXXX credit card. \n\nBank of America bases its denial on the false assertion that the card was used with a chip, PIN, or signature, implying authorized use. This claim is demonstrably false. The entire premise of our complaint is that we never received/used the credit card. How could we, or anyone we authorized, have used the card when it was never in our possession? This is the core of the fraud, and their response completely ignores this crucial fact. Bank of America is sending credit cards that are already ready to use, with a sticker stating : \" Your card is ready to use. You can now simply tap to pay whenever you see this symbol ( contactless payment symbol ). '' SEE ATTACHED THEIR CARD. \n\nFurthermore, their letter conveniently omits critical information that undermines their position : UPS Tracking Number XXXX : Bank of America provides this tracking number, yet fails to acknowledge that it proves the credit card was never delivered to XXXX XXXX XXXX  XXXX 's requested address. Instead, the XXXX tracking record clearly shows the delivery location as \" OTHER, '' meaning the card was not delivered to the intended recipient. This constitutes irrefutable evidence of Bank of America 's negligence in failing to ensure secure delivery. \nXXXX XXXX XXXX XXXX Bank of America asserts that \" the card must be present in order to be added to a digital wallet, '' a claim we find preposterous and unsubstantiated. We already explained to Bank of America 's representatives that their cards are sent ready to use, requiring no further action from the customer. We specifically complained about this during phone calls with their representative, questioning how they could send cards ready to use without requiring a call, PIN, or account verification before activation! Bank of America omits this critical detail. The latest phone call was more that 1 hour long and we spoke with XXXX XXXX ( if we got her info correct ) from North Carolina that might be higher up/supervisor as we requested to speak with supervisor. \nThe UPS delivery states that the card was NOT delivered to us by XXXX. Delivery location named OTHER! Feel free for anyone reading this letter to just insert tracking number into ups tracking system. We are attaching proof of that as well. \nWe are actively working with the Florida Attorney General. \nBank of America 's claim that they \" are unable to confirm '' our allegations regarding assurances made by their assisting agent is disingenuous. We maintain that we were given assurances, and the fact that they can not \" confirm '' them does not negate their occurrence. Moreover, whether or not those assurances were made, the objective facts of the casenamely, the undelivered card and the fraudulent chargesremain unchanged. \n\nIt is increasingly clear that Bank of America has no intention of conducting a legitimate investigation. Instead of investigating, they deliberately attempt to shift blame and evade responsibility. \n\nWe ask : Why Bank of America did not hire local police investigators and not checked security footage in moment of transaction from XXXX XXXX, shown it to all agencies involved in this case, and shown the face of the person making the purchase? We are waiting for them to do so. \n\nBank of America 's attempt to blame XXXX XXXX XXXX XXXX for this fraudulent activity is not only unfounded but borders on malicious. We are actively working with the Florida Attorney General 's office, and this letter, with its misrepresentations and omissions, will be presented as further evidence of Bank of America 's negligence, incompetence, and possible criminal activity.\n\nTherefore, we urge the CFPB to : Conduct a thorough and independent investigation into Bank of America 's practices regarding credit card issuance, fraud investigation, and dispute resolution. \nConsider the possibility of a criminal investigation into Bank of America 's handling of this and similar cases. \nCompel Bank of America to conduct a proper investigation into this specific case, including reviewing security camera footage from XXXX XXXX. \nRequire Bank of America to immediately remove the {$3000.00} fraudulent charge from the XXXX XXXX XXXX XXXX account. \nAsk Bank of America why they are sending credit cards ready to use. How they are going to deny this? \nWe reiterate our intention to pursue legal action against Bank of America for all damages resulting from their negligence and bad faith. We expect a prompt and decisive response to this letter, including an outline of the steps the CFPB will take to investigate this matter. \n\nWe are providing with this complaint : -example of replacement bank of america credit card which is ready to use as they state on card sticker -XXXX  tracking proof of delivery \" OTHER '' -latest letter from Bank of America where they are backing up their initial false claims. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-12T15:05:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33166","tags":null,"has_narrative":true,"complaint_id":"12450178","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-12T14:33:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["We believe that Bank of America 's actions warrant further <em>investigation</em> by the <em>CFPB</em>, and <em>possibly</em> a <em>criminal</em> <em>investigation</em> into their <em>business</em> practices. \n\nTheir letter is not only inaccurate and misleading but demonstrates a blatant disregard for the facts and a deliberate attempt to evade responsibility for the fraudulent activity on the XXXX XXXX XXXX XXXX credit card."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[12.641529,"12450178"]},{"_index":"complaint-public-v1","_id":"1830325","_score":11.056574,"_source":{"product":"Mortgage","complaint_what_happened":"OBSTRUCTION OF JUSTICE, MISLEADING A CONSUMER, FALSE CUSTOMER SERVICE PHONE NUMBER ~ FAILURE TO MAIL MONTHLY STATEMENTS ... AND THEN THREATENING FORECLOSURE 2 WEEKS FROM NOW WHILE DOING ALL OF THE ABOVE AND MORE!!! I WILL BREAK DOWN THE HORRIFYING FACTS OBSTRUCTION OF JUSTICE ~ From day 1 of my discovery of loan fraud Nationstar has been committing numerous illegal acts. They have lied on the phone. They pretend to be helping when they are in fact being totally uncooperative and stalling. If it was not for the honesty and effort of XXXX in the middle of this unraveling ... both XXXX XXXX and Nationstar would still be denying all facts instead of merely stalling. There were numerous items INTENTIONALLY LEFT OFF THE HUD AND ESCROW DISCLOSURE MAKING THE PAYMENT APPEAR LOW TO ENCOURAGE A REFINANCE. We discovered it when our payments went insanely high despite paying all of them on time. Proof of HUD/Escrow fraud attached. \nMISLEADING A CONSUMER ~ Countless and nonstop. Illegal things said on the phone and in writing like \" we have no idea where this loan came from, we have no record '' ... which is both insulting and a lie. The fact that they have it as a universal corporate script proves they have no regard for consumer rights or basic law. It is their business plan to profit from fraud whenever and wherever they can. \nFALSE CUSTOMER SERVICE PHONE NUMBER AND EMAIL ~ In a new corporate low you can call the phone number on the attached sheet but there is no way to dial and leave a voice mail for that extension. Emails and Fax were the same way, never responded to. Requests for supervisor intervention, never, ever, ever heard back. They intentionally abuse the consumer which is the most disgusting trait a company an have. \nFAILURE TO MAIL MONTHLY STATEMENTS ~ WE HAVE NOT SEEN A MONTHLY STATEMENT ALL YEAR!! They continue to \" investigate '' the file which is a fancy word for they do n't care about the law or people and they are stalling. They have already stalled 9 months plus. If they make it just 2 more weeks they plan on taking the home. If the loan payments presented were factual and not an intentional fraud, we are paid months ahead and they owe us money. By committing fraud on their end, they commit the illusion of nonpayment on our end. Sick. Subhuman. I have no words to describe it accurately. \nTHREATENING FORECLOSURE 2 WEEKS FROM THIS DATE ~ Instead of following the law and rescinding the loan due to fraud we have already proven, we get this statement today plus a certified letter waiting, telling us they are foreclosing. 90 days with no monthly statement and then this letter attached. Although they did not send any monthly statement for us to pay this year they were polite enough to send a stalker by to photograph our home and a kid stopped by to hang a \" call the number we never answer '' flyer. \nTHESE PEOPLE ARE CRIMINALS ~ HOME THEFT IS THEIR BUSINESS PLAN ... PLEASE PLEASE PLEASE HELP ALL OF US I have dealt with countless corporations and I have never seen this level of disregard for basic law on American soil. I am a rare one with the knowledge to fight back. There are XXXX victims ... possibly XXXX if you go back in time and open all of their dealings. I recommend you expand the previous investigation for not negotiating short sales and add intentional theft and intentional fraud. Home theft is their primary business plan. XXXX XXXX and XXXX are also guilty in this shell game they all seem to play. Collectively, you have very bright people working together to intentionally defraud both U.S. Government Insurance programs and consumers. Later they profit from the illegal theft and illegal sale. They work together to write more misleading loans and they will insert more fraud if they can sneak it in. They wo n't even concede this XXXX, single loan when they are cornered by the CFPB. That 's scary! HELP!","date_sent_to_company":"2016-03-15T03:46:10.000Z","issue":"Application, originator, mortgage broker","sub_product":"FHA mortgage","zip_code":"34293","tags":null,"has_narrative":true,"complaint_id":"1830325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2016-03-15T03:46:10.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["THESE PEOPLE ARE <em>CRIMINALS</em> ~ HOME THEFT IS THEIR <em>BUSINESS</em> PLAN ... PLEASE PLEASE PLEASE HELP ALL OF US I have dealt with countless corporations and I have never seen this level of disregard for basic law on American soil. I am a rare one with the knowledge to fight back. There are XXXX victims ... <em>possibly</em> XXXX if you go back in time and open all of their dealings. I recommend you expand the previous <em>investigation</em> for not negotiating short sales and add intentional theft and intentional fraud."]},"sort":[11.056574,"1830325"]},{"_index":"complaint-public-v1","_id":"13100288","_score":10.159535,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"TD BANK APPEARS TO BE IN VIOLATION OF THEIR U.S. DEPARTMENT OF JUSTICE COURT ORDERED CRIMINAL SENTENCING AGREEMENT? A TD BANK MUST READ!\n\nThis report and its attachments will detail how I have experienced first-hand that TD Bank is using a/or the like rinse and repeat cycle of illegality ( employee and/or bad actor customers fraud / scammers ) at a cost to me of theft from TD Bank in the amount of {$84000.00} ( wired from XXXX XXXX of {$21000.00} to TD Bank on XXXX XXXX, XXXX and a wire of {$62000.00} to TD Bank on XX/XX/XXXX XXXX. During my research I have uncovered evidence that strongly supports that TD Bank and its bank employees is, has and continues to allow criminals to operate within TD Bank to include what appears to be bank employees continuing to help open up accounts for malicious bad actor criminals even after TD Bank plead guilty in XXXX, and now is a convicted criminal. \n\nFurthermore, I am stunned to learn many times the banks position of court convictions and fines are coined as \" just the cost of doing business '', all of which in my case has resulted in a financial harm and emotional distress to an innocent customer who trusted the banks word that the banks services are safe and secure would be an understatement. \n\nUntil these bankers GO TO PRISON this will continue so all that read this need to help get the word out and demand justice does not stop at fines but also must include PRISON time for the convicted criminal bankers as fines obviously are not deterring the Bankers to engage in crimes. \n\nTD Banks XXXX multi-billion dollar conviction sentencing agreement/s mandates that TD Bank XXXX XXXX XXXX to commit NO FURTHER CRIMES ; ''. TD Bank should look into what that means to violate a sentencing agreement ( see link below regarding your criminal conviction ). \n\nIt would be wise to pass this complaint on to anyone in TD Bank who is responsible for compliance with the criminal case identified below and take the facts herein to return/ reimburse me in full the money stolen by you, your employees and/or your customers. \n\nI am sickened to have learned only after the fact of theft of {$84000.00} that TD Bank is a convicted criminal bank with convicted criminal employees who conspired and schemed crimes with criminals internationally for a decade and I have experienced first-hand it appears that the bank continues to allow/ support criminals in their bank to XXXX/ steal / commit fraud and scams against other innocent banking customer ( see the attached \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). \n\nKey takeaways if TD Bank fails to make me whole / return / reimburse the money stolen in the amount of {$84000.00} to me : First, understand, I am not going away until I am made whole! \n\nI will be forced to reach out to ALL authorities and attorneys involved with TD Banks criminal conviction case for help and have them look into if TD Bank is in violation of their sentencing agreement. \n\nI will seek to have the prosecution team and/or other authorities to classify these crimes as but not limited to \" Conduct beyond the offense of conviction : Actions that are part of a larger scheme or plan, even if they don't directly relate to the offense for which the defendant was convicted '' or the like or bring a new case for violation of the original case or new violations of law/s and add me to the victims and remedies list to be awarded damages, fines, fees, interest, pain and suffering and other such remedy/ies the court deems appropriate. \n\nCFPB Director XXXX XXXX sums it all up : This is about financial institutions fulfilling their basic obligations to protect customers money and help fraud victims recover their losses. \n\nU.S. House and Senate clarified that the banks are to share the liability : The U.S. Protecting Consumers from Payment Scams Act ( H.R. 9303 pdf file attached ) introduced several significant amendments to the Electronic Fund Transfer Act ( EFTA ) aimed at enhancing consumer protections and ensuring greater accountability among financial institutions to include a shared liability provision wherein the financial institution holding the consumers account and the institution receiving the fraudulent transfer with discretion to include other firms that materially help facilitate the payments to share responsibility for reimbursing the consumer to encourage all parties involved to adopt more robust fraud prevention measures. \n\nNote : See also the attached file titled \" XXXX XXXX XXXX XXXX '' ( fraud Insights report ). \n\nTD BANK has the full capability to simply follow the money trail to the next account and the next etc. to reimburse the bank 's fraud victims : Due to but not limited to TD Bank and bank employees guilty criminal convictions the bank knows first-hand they must follow the money trail to claw it back.\n\nOf Importance is that TD Bank was an active participant in the crimes and understand because of the practice where the criminal bankers/ the malicious bad actor bank customer will open an account to be used to receive money only to soon after move the majority of the ill-gotten funds out of the account to another account for obvious reasons ( i.e. bank freezing account or hold harmless recall / claw back ). This means the bank/s MUST but not limited to follow the money trail to make a victim whole. In the alternative TD bank has the option to simply reimburse me in full out of bank funds! Either way, if I am not made whole I will seek restitution through but not limited to authorities and/or the sentencing court / U.S. DOJ to include fines, penalties and other damages.\n\nTD Banks XX/XX/XXXX Shareholder meeting just publicly admitted the convicted bank criminals caused extraordinary pain, the darkest day for the bank and that they encourage accountability and to be more curious about all these issues. Can you imagine the shareholders ' response and the U.S. Governments to learn yet again crimes are being committed within the bank and possibly another case is brought against the bank or sentencing violations are uncovered? \n\nEmploying options to reimburse me identified herein or by any and all means at the banks disposal in the end is the least costly option for TD Bank as it saves the bank/s time and money as court/s, government agencies or the court of public opinion via media exposure will certainly cost the bank far more than just money as the time and attention this matter will require so many of your banks employees to answer but not limited to the courts, the agency/ies overseeing the bank is in compliance of their criminal sentencing agreements or to bring new charges, fines and cost to make victims whole to include going to the media, U.S. Senate / Congress and several additional agencies listed herein / within the court case TD Bank plead guilty to. Not to mention any employees that are found to be helping these criminals may be charged and maybe even a PRISON sentence!\n\nObviously the media will be all over this story ( to include XXXX and others who reported on the cases against XXXX XXXX and TD Bank in the past )! \n\nFurthermore, should TD Bank fail to make me whole read below of additional steps I will perform to protect my family from the harm TD Bank has caused me and/or the harm the banks customers have threaten me with by offering the details of the entirety of the my complaints/ reports which will also include the banks responses- all points to TD Bank continuing to support bad actors ( who are your bank customers ) and their international ecosystem team of bad actors will learn first-hand how TD Bank has been publicly noted as the bank of choice for criminal actors with bank employees who work with and support the criminal customers.\n\nThe nearly one million banking victims including myself are not the ones who : 1 ) pretended to vet the bad actors opening bank accounts 2 ) failed to keep criminal employees out of the banks employ 3 ) failed to implement sufficient anti-fraud measures 4 ) failed to \" Know Your Clients '' 5 ) used limited and ineffective authentication / verification requirements any or all of which resulted in the banks opening their doors and letting the criminals into the banks. But for the bank 's negligence nearly one million honest customers including myself could never have become victims of induced fraud or authorized fraud.\n\nNothing can come from fraud or theft but fraud or theft so wherever the money was moved from and then too is part of the crime money mule ecosystem and the account holder/s of the next account is part of the criminal ecosystem. \n\nXXXX XXXX just reported TD Bank will continue to be required to retain an independent monitor as part of the XXXX XXXX dollar settlement due to the bank 's failure to prevent money laundering plea ( the bank also conspired as a criminal in the crimes ) as stated by the U.S. DOJ. \n\nI am HORRIFIED to have learned after the fact that TD Bank has a CRIMINAL RECORD and by their own pleading of GUILTY has a reputation of lacking security policies allowing criminals into their bank/s as well as bank employees on the take working as criminals and supporting the criminal customers wherein the bank became a criminal themselves as evidenced in the court case TD Bank plead guilty to in late XXXX, labeled as a historic crime spanning nearly a decade. The bank is to pay nearly XXXX XXXX dollars in fines/ penalties : XXXX XXXX XXXXXXXX In the words of TD Bank 's own employees : the banks XXXX failures made it convenient for criminals.\n\nWithin the case it is basically said the banks are to be the first line of defense against crimes not to be a criminal themselves, and By making its services convenient for criminals, TD Bank became one, said Attorney General XXXX XXXX XXXX. Today, TD Bank also became the largest bank in U.S. history to plead guilty to Bank Secrecy Act program failures, and the first US bank in history to plead guilty to conspiracy to commit money laundering.TD Bank chose profits over compliance with the law And, these failures made the bank an easy target for the bad guys. These failures also allowed corrupt bank employees to facilitate a criminal And, The bank was aware of these risks and failed to take steps to protect against them, including for two networks prosecuted in New Jersey and elsewhere And, TD Bank became the bank of choice for multiple money laundering organizations and criminal actors and processed hundreds of millions of dollars in money laundering transactions. \n\nAnd, Let me be clear : our investigation continues, and no individual involved in TD Banks illegal conduct is off limits. \n\nTD Bank 's involvement in this historic money laundering scandal included several bank employees supporting the international crimes and schemes. It was found that their lack of security policies contributed to a climate as a bank of choice for but not limited to corrupt employees, criminals/ bad actors / money mules/ fraud / induced fraud / authorized fraud crimes. \n\nToday it seems TD Bank is and continues to be a known safe haven for money mules and criminals alike of which I am now another victim of TD Banks failure to be a secure bank and instead is a known bank of and for bad actors/ criminals with corrupt criminal bank employees who work with and support bad actor criminal customers. \n\nDuring my investigation into the theft of {$84000.00} by TD Banks criminal employees and/or customers I have found what appears to show that TD Bank continues to have a problem with criminals operating in their bank and/or corrupt employees helping the money mule criminals open accounts. The criminal case TD Bank plead guilty to exposes the bank has operated with criminals in a similar way, in summary : The Charges : TD Bank 's U.S. unit faced charges for failing to maintain proper anti-money laundering ( AML ) controls for nearly a decade, from XXXX to XXXX. \n\nThe Failure : Prosecuto\n\nrs stated that the bank 's \" long-term, pervasive, and systemic deficiencies '' in its AML policies allowed criminals to launder money through its branches. Examples of The Money Laundering : - One money laundering network, with the help of bribed employees, processed mo\nre than {$470.00} XXXX  through the bank through large cash deposits into nominee accounts. \n\n- Another scheme involved five bank employees who helped facilitate the transfer of {$39.00} XXXX in illicit funds to XXXX. \n\n- A third scheme involved a money laundering network with accounts for at least XXXX XXXX  companies that moved more than {$100.00} XXXX in illicit funds. \n\nTD Bank 's criminal acts and criminal employees does not stop there as recently yet another TD Bank employee, a XXXX XXXX who worked in TD Bank 's anti-money-laundering department has pleaded guilty to a felony in connection with a check-fraud scheme and took possession of customers ' personally identifiable information. \n\nXXXX XXXX Attorney XXXX XXXX stated \" This defendant brazenly exploited her position for her own personal profit, '' and he said \" We take all fraud in the banking and financial services industry extremely seriously, no matter what form it takes. \". This case against XXXX grew out of a probe focused on check fraud. \n\nI would like to ask why and how is it not required by law, policy or otherwise requiring banks to inform and warn customers of danger when a sending or receiving bank sends a wire / EFT 's / ACH money to any bank / institution that has a criminal record, criminal employees and/or a conviction of like kind instead of as it is now the bank/s carry on declaring to customers they are safe and secure?\n\nCase in point : My bank, XXXX XXXX, should have warned me prior to or at the time of any dealings with TD Bank and or any attempts to send money by any means to TD Bank should have included a full disclosure notice and warning of but not limited to the subjects and issues within this report or by any other appropriate method/s. \n\nFurthermore, XXXX XXXX 's failure to do so caused me to a financial injury in the amount of {$84000.00} as well as threats of being harmed by a convicted criminal, TD Bank and its criminal bank employees and customer/s which has caused financial and emotional distress to me and my family that will last us a lifetime.","date_sent_to_company":"2025-04-21T23:38:22.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"23456","tags":null,"has_narrative":true,"complaint_id":"13100288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-04-21T22:15:13.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["During my <em>investigation</em> into the theft of {$84000.00} by TD Banks <em>criminal</em> employees and/or customers I have found what appears to show that TD Bank continues to have a problem with <em>criminals</em> operating in their bank and/or corrupt employees helping the money mule <em>criminals</em> open accounts."]},"sort":[10.159535,"13100288"]},{"_index":"complaint-public-v1","_id":"8902940","_score":9.494675,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX I did a pre-approval with XXXX and was pre-approved through Westlake Financial Services for a XXXX XXXX XXXX XXXX at Dealership XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, vehicle stock number XXXX. Prior to me visiting the dealership XX/XX/XXXX when my appointment was set at XXXX, I called Westlake Financial Services about the pre-approval on XX/XX/XXXX seeking information pertaining to my finance charge. At the time of getting on the phone with a representative of Westlake Financial Services, I asked her if my down payment was included in my finance charge, which its supposed to be pursuant to 15 USC 1605 ( a ) of the truth in lending act which governs this transaction, also in 12 cfr 1026.4 ( a ) regulation Z, in this consumer credit transaction, because the finance charge is the sum of all charges and should not include any charges payable in a comparable cash transaction, payable meaning paid to, comparable meaning equal to and cash transaction meaning to exchanging goods or services where payment is made in physical currency, such as coins or banknotes, bank accounts, cheques, or other money that is easily converted to physical cash, like a digital or electronic payment method. Congress states that A the finance charge should be the sum of all charges, which includes the down payment should be include which it wasnt Westlake Financial Services wanted it a down payment in cash, and B that a finance charge doesnt include anything charges of a type thats payable in a comparable cash transaction, and Westlake financial services requested that I make a cash down payment and is a direct violation of 15 usc 1605 ( a ) and is in titled to criminal liability pursuant to 15 usc 1611 willfully and knowingly giving false and I accurate information and not complying with any requirements that are imposed under this 15 usc 1605 of the truth in lending act, willfully and knowingly giving false and inaccurate information because, A the representative of Westlake Financial Services both stated that I had to put down a cash down payment, and that a the down payment wasnt included in my finance charge, and also failing to comply with the requirements that are imposed in a finance charge which is a direct violation of 15 usc 1605 ( a ) and is subject to criminal liability pursuant to 15 usc 1611, furthermore the vehicles insurance premium is also suppose to be included in finance charge as well as any other fees and premiums pursuant to 15 usc 1605 ( c ) and if Westlake Financial Services requires me to purchase a insurance policy separate that would be a direct violation to 15 USC 1605 ( c ) and is subject to criminal liability pursuant to 15 usc 1611 for again willfully and knowingly giving false and inaccurate information and not complying with the requirements imposed by making me purchase a insurance premium separately, also anything adverse took upon me in any aspect of this transaction including the pre approval, like pre approving which would be a initial approval, and you decide to deny me that would be a direct violation of 15 usc 1691 ( a ) ( 3 ) of the equal credit opportunity act, also 12 cfr part 1002 regulation b, for you discrimination against me for exercising my rights, which Congress defines as any right, under chapter 41 title 15 in good faith, which I did am trying to resolve in good faith right being 15 usc 1605 that I expressed concern about that Westlake Financial Services is in direct violation of, can be subject to civil liability pursuant to 15 usc 1691e ( a ) and 15 usc 1691e ( b ) and I respect your opinion on the matter but we need to operate on fact of the matter to stay in honor or this may be considered fraud and if you can show me any state law or company policy that can trump federal laws I and would you be willing to put it on the record via affidavit? Im trying to resolve this matter as soon as possible, no timely resolution will result in me filing litigation in a federal court venue Against westlake financial services where it will be trail by jury. I also have a call recording of the rude representative as well who hung up in my face when I wanted to get transferred to a person who was more competent to understand the fact of the matter and I will use it as evidence as well in court, I am in Louisiana and was the one party who consistent on the call to be recorded being Louisiana is a 1 party state, this is public knowledge so there is no way westlake financial services or its representatives shouldnt know these especially if these are laws that pertain to their course of buisness, and westlake financial has possibly violated these laws multiple times with consumers who are competent enough to understand these laws and fully take advantage of them with these deceptive business practices and cfpb should conduct a further investigation on Westlake Financial Services as well with other government regulatory agencies to protect the wellbeing of consumers from this happening again and against, time is of the essence UCC 1-202 ( a ) and from this notice you have been notified Notice to agent is, notice to principal","date_sent_to_company":"2024-05-01T23:03:07.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"8902940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2024-05-01T22:29:55.000Z","state":"LA","company_public_response":null,"sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["violated these laws multiple times with consumers who are competent enough to understand these laws and fully take advantage of them with these deceptive <em>business</em> practices and <em>cfpb</em> should conduct a further <em>investigation</em> on Westlake Financial Services as well with other government regulatory agencies to protect the wellbeing of consumers from this happening again and against, time is of the essence UCC 1-202 ( a ) and from this notice you have been notified Notice to agent is, notice to principal"]},"sort":[9.494675,"8902940"]},{"_index":"complaint-public-v1","_id":"13642578","_score":9.260319,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Introduction & Summary of Complaint I, XXXX XXXX, hereby submit this second formal complaint against Experian and Equifax for their willful and unlawful handling of a fraudulent XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account on my credit reports. This account was previously deleted from all of my credit files ( as of XX/XX/year> ) after being confirmed inaccurate and unauthorized, yet it has been reinserted without any notice to me a blatant violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) ( ii ). The reinsertion of this deleted account is fraudulent, deceptive, and has caused me severe emotional and financial harm. I write to demand immediate relief and to hold Experian and Equifax accountable for this egregious breach of my consumer rights. \n\nSummary of Issues : Illegal Reinsertion without Notice : A XXXX  account not belonging to me was deleted after dispute, but Experian and Equifax reinserted it into my credit reports without providing the required written notice within 5 business days, violating federal law.\n\nUnauthorized/Stolen Account : The XXXX account in question is the result of unauthorized use of my identity effectively a stolen account that I never opened, authorized, or benefited from. It should never have been reported under my name. \nPattern of Misconduct : Experian and Equifax have demonstrated a pattern of deceptive trade practices and systemic misconduct, ignoring my prior CFPB complaint ( filed XX/XX/year> ) and continuing to report false information. This knowing failure to correct their practices shows a willful violation of the FCRA and other consumer protection laws. \nConsumer Harm : I am suffering significant emotional distress ( anxiety, sleeplessness, and humiliation ) and financial injury ( damage to my credit scores, denial of credit opportunities, and higher costs ) due to their negligence and willful non-compliance. I have been forced to expend time and resources to address a fictitious debt, which is ruining my financial reputation through no fault of my own. \n\nI urge the CFPB to take this complaint with utmost seriousness. Below, I provide detailed facts, legal violations, and the relief sought. My goal is the permanent deletion of this bogus account and accountability for those responsible, so that no other consumer endures this debt slavery being trapped by a false debt on their credit report. \n\nBackground : Deleted Account Illegally Reinserted XXXX  Account Details : The account at issue is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that was fraudulently opened or attributed to me without my authorization. After discovering it on my credit reports, I disputed the account with all credit bureaus. As a result, by XX/XX/year>, the account was deleted from my Experian and Equifax reports ( indicating it was unverified/inaccurate ). I have official dispute results confirming that the XXXX tradeline was removed due to lack of verification or accuracy. \n\nReinsertion without Notice : Shockingly, in XX/XX/year>, I found that this XXXX account had been reinserted into my Experian and Equifax credit files without any advance notice or explanation. I never received the written notice that is required within XXXX business days of reinsertion under the FCRA. In fact, I received no communication whatsoever from Experian or Equifax informing me that they were adding this previously-deleted item back onto my reports. This clandestine reinsertion is illegal. FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) lays out strict conditions for reinserting deleted information : Certification Requirement : A deleted item may not be reinserted unless the furnisher certifies the information is complete and accurate.\n\nConsumer Notice Requirement : If a deleted item is reinserted, the credit bureau shall notify the consumer in writing within XXXX business days of the reinsertion, including details of the furnisher and the consumers rights. \n\nExperian and Equifax appear to have violated both provisions. They either reinserted the account without obtaining a valid certification of accuracy, or accepted a dubious certification despite the account being previously deemed unverifiable. In either case, they failed to notify me in writing of the reinsertion within the 5-day window ( or at all ). This is a direct violation of federal law. By law, the absence of timely notice alone renders the reinsertion unlawful. The violation is clear-cut and inexcusable.\n\nNo New Information or Valid Basis : There was no legitimate new information that could suddenly make this account verified. The account remains fraudulent and inaccurate. Its prior deletion establishes that XXXX could not verify it as my debt. Any purported certification by XXXX to re-report this account is highly suspect and likely false. Therefore, the reinsertion is not only procedurally improper, but also a substantive act of fraud re-reporting information known to be unverifiable and false. I have strong reason to believe this reinsertion was done in bad faith, possibly as part of a collusive arrangement between XXXX and the credit bureaus to push a bogus debt onto my reports. ( Notably, XXXX stands to benefit from having the account reappear, as it pressures me to pay or settle a debt I do not owe. Experian and Equifaxs willingness to violate the law in this manner raises the question of whether they are receiving fees or other incentives for such illicit reinsertions an unlawful collusion and abuse of the credit reporting system. ) Lack of Notice to Complainant : To reiterate, I was completely blindsided by the reappearance of this account. I only discovered the reinsertion by monitoring my credit no notice came from Experian or Equifax. This lack of notice deprived me of the opportunity to immediately dispute or block the reinserted entry, which is exactly the kind of harm the FCRAs notice requirement is meant to prevent. The bureaus secretive action demonstrates a willful disregard for my rights and basic fairness. \n\nUnauthorized Account & Identity Theft The XXXX account is fraudulent it does not belong to me. It appears to be an account opened or used by someone else ( or created due to identity theft ), which was then incorrectly attributed to me on my credit file. I have never had any business relationship with XXXX XXXX XXXX XXXX. This account is the result of identity theft or mistaken identity, and it was already acknowledged as such when it was deleted after my initial dispute. \n\nAccount Was Stolen/Inaccurate : For clarity, this account is essentially a stolen account either opened using my personal information without my permission, or erroneously reported under my name when it pertains to another individual. It is an inaccurate trade line that should never have been reported on my credit in the first place. By reinserting this account, Experian and Equifax are effectively reporting bogus debt information against an innocent consumer ( myself ). This is beyond negligent ; it is a knowing dissemination of false information. \n\nXXXX. FCRA 623 Violations by Furnisher ( XXXX ) : While this complaint is directed at the credit bureaus, it must be noted that XXXX, as the furnisher, XXXX have violated its own legal duties. If XXXX certified the account as accurate despite it being fraudulent, XXXX violated FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits furnishing information known ( or that should be known ) to be inaccurate. XXXX also failed to conduct a good-faith reinvestigation upon my disputes and apparently re-furnished the disputed information without any new proof of validity a potential violation of FCRA 623 ( b ) duties to investigate and correct. These actions by XXXX amount to furnishing false credit information and could not have been done in good faith. I am including this point because Experian and Equifaxs reinsertion of the account suggests they relied on XXXX word ; if so, all parties are complicit in re-reporting false data. Experian and Equifax had an obligation under FCRA 611 to ensure the furnishers certification was legitimate before reinstating the item they apparently failed in this obligation.\n\n4. Unfair and Deceptive Acts and Practices ( UDAP ) : The conduct of Experian and Equifax constitutes unfair or deceptive trade practices in violation of Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) and state consumer protection laws. Reinserting a previously deleted, disputed debt without notice is inherently deceptive, as it misleads the consumer and any third-party viewing the report about the legitimacy of the debt. It is also unfair, as it causes substantial injury ( credit damage and emotional distress ) that the consumer can not reasonably avoid, with no countervailing benefit. These credit bureaus are systemically betraying consumer trust and public policy by flouting dispute resolutions and secretly re-aging debts. In fact, the CFPB has recently taken enforcement action underscoring how both Equifax and Experian have engaged in systemic violations related to dispute handling and reinsertion : Equifax was found to have allowed previously deleted inaccuracies to be reinserted into credit reports, leading to a {$15.00} million penalty in XXXX  and Experian was sued in 2025 for failing to properly investigate disputes and reinserting errors on credit reports. This shows that what I am experiencing is not an isolated mistake but part of a pattern of willful misconduct by these bureaus. Experian and Equifaxs actions in my case mirror the very abuses identified by regulators ( e.g. sham investigations and unlawful reinsertion ), proving their knowing non-compliance despite being on notice. It is deeply deceptive and unethical for Experian and Equifax to present themselves as purveyors of accurate credit data while deliberately reintroducing information they know to be false. Such behavior also violates the spirit of the Consumer Financial Protection Act ( under which the CFPB can deem practices unfair or abusive ). \nXXXX. Debt Slavery and Potential Extortionate Conduct : By continuously reporting a false debt that I do not owe, Experian and Equifax have effectively shackled me to a debt that is entirely fabricated. This situation feels like a form of * * debt bondage or debt slavery, wherein I, the consumer, am being forced to suffer indefinite credit harm unless I somehow pay or resolve a debt that isnt mine. This term is not used lightly the practice of coercing payment by damaging someones credit is akin to using extortion. In fact, using credit reporting as a weapon to pressure consumers into paying illegitimate debts can be seen as an extortionate means of debt collection. Under 18 U.S.C. 894, it is a federal crime to use extortionate means ( including coercion or implicit threats ) to collect a debt, punishable by up to 20 years in prison. While Experian and Equifax are not traditional debt collectors, their willful perpetuation of false credit data serves to coerce me into paying or dealing with the fraudulent XXXX account to regain my financial freedom. They are facilitating XXXX attempted collection through extortionate damage to my reputation. I want to put Experian and Equifax on notice that this behavior is not just a civil violation it veers into potentially criminal territory. By knowingly participating in the continued reporting of a bogus debt ( after being informed of its false nature through disputes and a prior CFPB complaint ), they are participat [ ing ] in the use ofextortionate means to collect an extension of credit. If they do not cease, I will be urging regulators and law enforcement to investigate these actions under relevant criminal statutes. No consumer should be held financial hostage by false information in this manner.\n\nIn summary, Experian and Equifax have violated the FCRA, the FTC Act, and possibly criminal laws through their handling of my case. Their actions are knowing, willful, and part of a broader pattern of ignoring consumer rights. \n\nPrior CFPB Complaint & Willful Non-Compliance This is my second CFPB complaint on this matter. I previously submitted a CFPB complaint on XX/XX/year>, detailing the issues with this XXXX account and the improper conduct of Experian and Equifax. That prior complaint put both bureaus on explicit notice of the accounts fraudulent nature and their legal obligations. Equifax and Experian were thus fully aware as of early XX/XX/year> that : ( a ) the XXXX account did not belong to me, had been deleted for lack of verifiability, and ( b ) any reinsertion would be unlawful without following FCRA protocols. Despite this, they have failed to take corrective action and allowed the situation to deteriorate further. The fact that the account remains ( or was reinserted ) after my XX/XX/XXXX complaint demonstrates a knowing and willful violation. They are not making a mistake in good faith they are consciously flouting the law. This willfulness entitles me to enhanced remedies under the FCRA ( such as punitive damages ). It also indicates that internal compliance and back-office teams at these bureaus are either negligently incompetent or intentionally abusing the system. In either case, accountability is required. \n\nI urge the CFPB to review my prior complaint ( including any responses, or lack thereof, from Experian/Equifax ) as context. The bureaus disregard of a regulator-facilitated complaint process highlights their brazen attitude. If a CFPB complaint could not compel them to simply obey the law and remove a known false account, it evidences a systemic problem and a willful contempt for consumer protection laws on the part of these companies. It is also evidence that stronger action such as supervisory or enforcement intervention may be needed by CFPB in addition to resolving my individual issue.\n\nImpact on Complainant ( Damages ) Experian and Equifaxs actions have caused me substantial harm, both emotionally and financially : Emotional Distress : I have suffered anxiety, stress, and loss of peace of mind knowing that a blatantly false account is tarnishing my credit. I constantly worry about who sees this misinformation be it lenders, employers, or landlords and what they might think. The situation has caused me sleepless nights and feelings of powerlessness. It is deeply traumatic to be effectively accused of owing a debt that was a result of identity theft. The reinsertion incident done secretly has further eroded my trust in the credit reporting system. I feel harassed and abused by the very agencies that are supposed to maintain fair and accurate credit files. This emotional toll is real and significant. \nDamage to Credit Standing : The false XXXX account has negatively impacted my credit score and credit profile. It is likely being reported with derogatory information ( e.g. a fraudulent balance, late payments or charge-off status that are not mine ), which lowers my credit score unjustly. As a result, I have been denied credit or offered credit at much higher interest rates than I deserve. For example, after this account reappeared, I noticed a drop in my credit score and have received credit card denials that cite serious delinquency or accounts in collection which align with the bogus XXXX entry. This means I am effectively being financially penalized for a crime committed against me. It is an outrageous situation. \nInterference in Life Opportunities : Because of this inaccurate credit information, my access to housing and employment may also be hindered. Many landlords and employers check credit reports. I now live in fear that an apartment application or even a job offer could be jeopardized by Experian and Equifax reporting me as delinquent on a fraudulent debt. This is causing immense additional stress and potentially limiting my economic opportunities. Such ripple effects are exactly why FCRA exists and why its violation is so serious. \nFinancial Costs and Time Loss : I have spent countless hours disputing, monitoring, and attempting to resolve this issue time that I should have been spending on my job and family. Ive incurred costs for mailing dispute letters, possibly credit monitoring services, and other expenses trying to protect myself. I am also preparing to file police reports or additional identity theft affidavits, which is an onerous process. All these burdens exist solely because Experian and Equifax failed to do their jobs correctly. They should compensate me for these losses. Moreover, I intend to seek statutory damages for each willful FCRA violation ( up to {$1000.00} each ) and any actual damages in a court of law if this is not promptly resolved, as allowed by FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ). The FCRA provides for even punitive damages for willful violations, which I will pursue given the egregious and knowing nature of this misconduct. \n\nIn summary, the negligence and willful misconduct of Experian and Equifax have caused me intense emotional suffering and put me at risk of tangible financial harm. They must be held accountable for these damages. I ask the CFPB to consider these impacts and use its full authority to obtain relief and deterrence. \n\nRelief Demanded Given the above facts and violations, I am seeking the following immediate relief and remedies to resolve my complaint : Permanent Deletion of the XXXX XXXXccount : Immediately and permanently delete the XXXX  account from all of my credit reports at Experian, Equifax, and TransUnion ( if it appears there ). This deletion should occur without possibility of reinsertion. The account is fraudulent, unverified, and unverifiable it must be removed for good. \nWritten Confirmation of Deletion and Cessation : Provide me with written confirmation ( from a high-level representative of Experian and Equifax ) that the XXXX XXXXcount has been deleted and will not be reported again under my file. This documentation should be provided within five ( 5 ) business days of your receipt of this complaint and should be on official letterhead, signed by a person with authority. It must state that Experian and Equifax will cease all reporting and use of this account data in any consumer report or credit score relating to me. In essence, I want proof that this account is gone and will stay gone permanently. \nDocumentation of Any Reinsertion Actions : I demand full documentation and disclosure of how this account was reinserted. This includes : any certification of accuracy XXXX provided, the date and method of reinsertion, the internal records showing the decision process for reinsertion, and identification of the employees or agents involved in approving the reinsertion at Experian and Equifax. I have a right to this information, especially given that the FCRA entitles me to know the furnishers details and that a reinsertion occurred ( which I was never told ). I want to see how such a mistake was allowed to happen despite the law and a prior dispute. \nIdentity Theft Block Implementation : Upon receipt of my FTC Identity Theft Report and request, Experian and Equifax must immediately block the reporting of the XXXX XXXXccount ( as well as any inquiries or derivative information related to it ) in my credit file, pursuant to 15 U.S.C. 1681c-2. This block must be put in place within 4 business days of my providing the required documentation, and I should receive confirmation of the block. After blocking, the bureaus must not reinsert or un-block the item unless permitted by the narrow exceptions in the law ( which do not apply here, as this is a clear case of identity theft, not an error or frivolous claim ). \nCease & Desist Order to XXXX XXXX XXXX request that CFPB forward a cease-and-desist notice to XXXX XXXX XXXX XXXX through this complaint process as well. XXXX must be instructed to cease all furnishing of this account data to any credit reporting agency. They should also cease any collection activities on this account, including harassing calls or communications ( I have received collection calls regarding this account in the past, which is outrageous since its not mine ). XXXX should be on notice that they face legal liability if they continue to pursue a victim of identity theft for this debt. While XXXX is not the primary subject of this complaint, their cooperation is necessary for a complete resolution. They should investigate their own records, recognize this account as fraudulent, close it, and not sell or transfer it ( if they havent already ). \nUpdated Credit Reports : After deletion and blocking, I demand updated copies of my Experian and Equifax credit reports ( at no charge to me ) to verify that the XXXX account has been removed. Additionally, my credit scores should be recalculated without the influence of this derogatory item, and I should be provided some assurance that any lingering negative impact ( such as low score or risk flags caused by the account ) has been fully mitigated. \nGoodwill Measures for Damage Done : While the immediate deletion is top priority, I also ask that Experian and Equifax take steps to mitigate the damage Ive suffered. For instance, they should assist me in notifying any recent creditors who pulled my report that the derogatory information was erroneous ( so I can perhaps get credit reconsidered ). They should also consider offering me a period of complimentary credit monitoring or other services to help regain my confidence, given how their failures have increased my risk. At minimum, I expect an apology and acknowledgment of error from both companies. \n\nAll the above actions are necessary to make me whole and prevent further harm. I expect these remedies to be carried out immediately upon receipt of this complaint. I will not accept half-measures ( such as a temporary deletion or a vague promise ). I want concrete, verifiable action and documentation. \n\nAccountability and Further Actions It is not enough to simply delete the account now that the damage is done ; Experian and Equifax must also be held accountable so that they do not repeat such conduct. I am therefore requesting that beyond the individual relief, the CFPB consider the following measures and that Experian and Equifax acknowledge these steps : Internal Disciplinary Action : Experian and Equifax should investigate the actions of their employees and automated systems that led to this unlawful reinsertion. The back-office compliance and dispute teams responsible must be retrained, disciplined, or removed if they willfully violated protocols. I demand that the companies report what internal corrective action they are taking ( e.g., if a particular department failed to send the notice, what is being done about it? ). Individual accountability is important those who knowingly broke the law should face professional consequences. \nCompliance Review and Certification : I call on Experian and Equifax to conduct a thorough compliance review of their reinvestigation and reinsertion procedures, and to certify to the CFPB ( and to me in writing ) that they have implemented measures to prevent such unlawful reinsertion in the future. This might include improved system checks to enforce the FCRA 5-day notice rule and stronger verification requirements before any deleted data can be re-reported. Given the CFPBs findings of widespread issues at these bureaus, a proactive compliance step is warranted.\n\nRegulatory Enforcement : I respectfully urge the CFPB to use its supervisory and enforcement authority in this case. These violations go beyond my individual incident ; they reflect broader problems. If not already under an enforcement action, Experians and Equifaxs behavior here might merit inclusion in any ongoing CFPB oversight of credit reporting agencies. The CFPB should ensure they pay penalties if appropriate, just as Equifax was fined for similar issues earlier in 2025. A strong regulatory response will incentivize compliance and show the industry that reinsertions without notice and related abuses will not be tolerated. \nCivil Litigation : If Experian and Equifax do not fully remedy this situation, I am prepared to pursue a civil lawsuit for FCRA and related violations. I will seek all available damages statutory, actual, and punitive for their willful noncompliance. As noted, willful FCRA violations can result in significant financial penalties and even punitive damages. I am also aware that each failure to comply ( each improper reinsertion and each lack of notice ) can be a separate violation, potentially multiplying the statutory damages. I would prefer to avoid litigation, but I will not hesitate if my rights continue to be ignored.\n\nCriminal Referral : Given the hints of collusion and willful data manipulation in this case, I also put Experian and Equifax on notice that I may seek a referral to the FTC, state Attorneys General, or even the Department of Justice for investigation into potential criminal law violations. As discussed, using false credit reporting to extort payment can violate federal criminal law ( 18 U.S.C. 894 ). Additionally, if any individual at the bureaus altered or suppressed the required consumer notice or tampered with my dispute, that could be considered mail or wire fraud. Knowingly providing false information to a federal regulator ( if they respond to CFPB with false claims ) can also be a crime. I urge the companies to consider their personal and corporate exposure here. This is not a standard, low-level error its a willful act that carries legal risk.\n\nPersonal Accountability of Management : I demand that upper management at Experian and Equifax acknowledge this complaint and take responsibility. Often these kinds of problems stem from corporate policies that prioritize profit or appeasing furnishers over consumers rights. I want to see a statement from a senior compliance officer or executive that they have reviewed my case and are ensuring compliance going forward. If this does not happen, it further evidences a culture of compliance failure, which I will report to the CFPB and appropriate authorities.\n\nLegislative and Public Policy Note It is worth noting that public policy is moving in a direction to further protect consumers from exactly the kind of harm Ive experienced. For example, in XX/XX/year> the state of Washington enacted XXXX XXXX XXXX, a law that prohibits collection agencies from reporting medical debt to credit bureaus, effectively ensuring that certain sensitive and often disputable debts ( like medical bills ) do not haunt consumers credit reports. This law was passed to protect consumers from unfair credit reporting practices that can ruin lives. The spirit of such legislation is to recognize that some debts or accounts should not be on credit reports at all due to their potential for error or harm. Similarly, federal regulators ( CFPB ) have been working on rules to curb credit reporting of medical debt and other abusive reporting practices. \n\nWhile my case is about a financial account, not medical, the principle is the same unauthorized or erroneous accounts must not be reported. XXXX XXXX and related initiatives show a growing consensus that consumers need stronger protections against improper credit reporting of any debt that is not valid or fair. By continuing to report a clearly unauthorized account, Experian and Equifax are acting contrary to this public policy trend and against the principles of fairness. In fact, their actions would be condemnable under any stricter regime contemplated by lawmakers. I cite this to urge the CFPB to act decisively consumers like me should not have to fight these battles when the law and emerging policies are on our side.","date_sent_to_company":"2025-05-21T18:01:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"13642578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-21T16:37:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If they do not cease, I will be urging regulators and law enforcement to <em>investigate</em> these actions under relevant <em>criminal</em> statutes. No consumer should be held financial hostage by false information in this manner.\n\nIn summary, Experian and Equifax have violated the FCRA, the FTC Act, and <em>possibly</em> <em>criminal</em> laws through their handling of my case. Their actions are knowing, willful, and part of a broader pattern of ignoring consumer rights."]},"sort":[9.260319,"13642578"]},{"_index":"complaint-public-v1","_id":"6021039","_score":9.260252,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX  Discrimnatory & maliciously took my more than XXXX time asset. \n\nXXXX bank has corrupted, criminally keep trying to destroy me and my family for past XXXX. \n\nXXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXX Bank ( TCF ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXX bank has never sent correct statements, or bills. \nA. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}. \na. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years. \nb. I have never asked XXXX bank to increase the credit line, nor XXXX bank asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXX Bank. \nc. I have been paying all the property taxes, insurances and other for the past XXXX on my properties. \nd. I have never asked XXXX bank {$10000.00} nor XXXX bank offered me {$10000.00} during the bankruptcy. As you can see XXXX bank has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXX bank never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy. \nXXXX XXXX bank suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account. \nXXXX XXXX Bank never paid any insurance of property taxes especially criminally caused and created by XXXX Bank. \ng. I have been paying all the insurance and taxes by myself all the time for the past 38 years. \nh. I spoke to managers and bankers of local XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX XXXX and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit. \ni. XXXX Bank is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account. \nj. I paid off the total XXXX Bank mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment two ( 2 ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX Bank. \nXXXX XXXX Bank illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the Federal Bankruptcy Court during the Bankruptcy. \nXXXX XXXX Bank must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption. \nm. I have never missed, or late any payments for the past XXXX this account, but XXXX Bank has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank Credit Department and Escrow Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms. \nThreatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it. \nXXXX Bank collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX. \nI have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXX bank has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people. \nXXXX XXXX Bank ask me to contact Escrow department or legal Department of XXXX Bank, but they have never taken any of my phone calls. \n\nXXXX XXXX Bank has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX. \n\nXXXX. XXXX bank has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally. \na. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX. \nXXXX XXXX bank vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, c. I already had three landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXX Bank XXXX These criminal acts of XXXX Banks internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers. \n\nXXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts. \na. I investigated XXXX Banks malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system. \nb. The top manager of XXXX Bank XXXX banking system and top Bank management officers well aware of their malfunctioning computer system. The XXXX Bank computer system has never generated any confirmation code or track the payment for years at the time. \nc. The top manager notified me that the XXXX Bank Computer banking system was so outdated, irreparable, or unfixable. XXXX Bank must purchase a new system. \nd. But XXXX Bank did not have enough money to buy a new system and the XXXX Bank was bankrupt. \nXXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over 30years at the time and my credit score was XXXX. \n\nXXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than 5.5 times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts. \nXXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption. \nI have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my credit score was XXXX. \nXXXX. XXXX Bank did not release the XXXX Bank customers lien at the XXXX XXXX XXXX already paid loan payments of so many their clients. \nXXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again. \nXXXX Even today XXXX Bank didnt clear my lien already paid amount. \nXXXX Because XXXX Banks illegal operation I had to pay XXXX Bank 2-3 times higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal criminal banking business . \ne. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly. \nf. There are currently so many victims created by XXXX Bank XXXX \nXXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX criminally for XXXX. \n\nXXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family. \n\nXXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had three lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers. \n\nXXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging 40 times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money. \n\nXXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it. \nI treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is. \n\nXXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally. \nXXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial assassination destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades. \nXXXX. You can check XXXX Bankruptcy XXXX record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my XXXX bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning. \n\nXXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim. \nMy XXXX lawyers, a. XXXX lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case. \nb. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests. \nXXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption. \n\nXXXX. I didnt have any attorneys to represent me at the court for my case. \na. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me. \nb. XXXX attorneys already messed up and negligent my case. \n\nXXXX. I, myself, represented me at the Federal Bankruptcy Court in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case. \n\na. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy XXXX. \nXXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX. \nXXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President. \n\nXXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank. \n\nXXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX. \na. XXXX XXXX XXXX XXXX denying everything saying XXXX Bank XXXX do anything for me. \nb. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters. \nXXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank. \nXXXX XXXX Bank took more than 500 % of my loan amount and took my life savings. \nXXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family. \nXXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case. \nXXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing. \n\nNo one has ever answered for the false bills, false collections, false claims, or false Credit report. \nA After my bankruptcy case was done by Federal Bankruptcy Court. \nXXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank. \nXXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family. \nXXXX. It is a serious malicious XXXX discrimnatory hate crime. \nXXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form XXXX, XXXX. Amount of XXXX XXXX {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank legal department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than 5.5times and XXXX bank had profit more than {>= $1,000,000}. \nc. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the XXXX saving purpose which XXXX Bank made 5.5times of loan amounts. \nXXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others. \n\nThis XXXX show, how XXXX bank has been doing wrong again and again. This is another criminal act beside XXXX attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department. \n\nI put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country. \nI am looking forward hearing from you. \n\nVery respectfully, XXXX XXXX","date_sent_to_company":"2022-09-26T20:16:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44514","tags":"Older American","has_narrative":true,"complaint_id":"6021039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-26T20:16:05.000Z","state":"OH","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX bank has done <em>business</em> knowingly illegally, wrongfully, and racially discrimnatory, and <em>criminally</em>. \nXXXX On <em>CFPB</em> ( Consumer Financial Protection Bureau ( <em>CFPB</em> ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[9.260252,"6021039"]},{"_index":"complaint-public-v1","_id":"13642769","_score":9.225549,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Introduction & Summary of Complaint I, XXXX XXXX, hereby submit this second formal complaint against Experian and Equifax for their willful and unlawful handling of a fraudulent XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account on my credit reports. This account was previously deleted from all of my credit files ( as of XX/XX/year> ) after being confirmed inaccurate and unauthorized, yet it has been reinserted without any notice to me a blatant violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) ( ii ). The reinsertion of this deleted account is fraudulent, deceptive, and has caused me severe emotional and financial harm. I write to demand immediate relief and to hold Experian and Equifax accountable for this egregious breach of my consumer rights. \n\nSummary of Issues : Illegal Reinsertion without Notice : A XXXX  account not belonging to me was deleted after dispute, but Experian and Equifax reinserted it into my credit reports without providing the required written notice within 5 business days, violating federal law.\n\nUnauthorized/Stolen Account : The XXXX account in question is the result of unauthorized use of my identity effectively a stolen account that I never opened, authorized, or benefited from. It should never have been reported under my name. \nPattern of Misconduct : Experian and Equifax have demonstrated a pattern of deceptive trade practices and systemic misconduct, ignoring my prior CFPB complaint ( filed XX/XX/year> ) and continuing to report false information. This knowing failure to correct their practices shows a willful violation of the FCRA and other consumer protection laws. \nConsumer Harm : I am suffering significant emotional distress ( anxiety, sleeplessness, and humiliation ) and financial injury ( damage to my credit scores, denial of credit opportunities, and higher costs ) due to their negligence and willful non-compliance. I have been forced to expend time and resources to address a fictitious debt, which is ruining my financial reputation through no fault of my own. \n\nI urge the CFPB to take this complaint with utmost seriousness. Below, I provide detailed facts, legal violations, and the relief sought. My goal is the permanent deletion of this bogus account and accountability for those responsible, so that no other consumer endures this debt slavery being trapped by a false debt on their credit report. \n\nBackground : Deleted Account Illegally Reinserted XXXX  Account Details : The account at issue is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that was fraudulently opened or attributed to me without my authorization. After discovering it on my credit reports, I disputed the account with all credit bureaus. As a result, by XX/XX/year>, the account was deleted from my Experian and Equifax reports ( indicating it was unverified/inaccurate ). I have official dispute results confirming that the XXXX tradeline was removed due to lack of verification or accuracy. \n\nReinsertion without Notice : Shockingly, in XX/XX/year>, I found that this XXXX account had been reinserted into my Experian and Equifax credit files without any advance notice or explanation. I never received the written notice that is required within XXXX business days of reinsertion under the FCRA. In fact, I received no communication whatsoever from Experian or Equifax informing me that they were adding this previously-deleted item back onto my reports. This clandestine reinsertion is illegal. FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) lays out strict conditions for reinserting deleted information : Certification Requirement : A deleted item may not be reinserted unless the furnisher certifies the information is complete and accurate.\n\nConsumer Notice Requirement : If a deleted item is reinserted, the credit bureau shall notify the consumer in writing within XXXX business days of the reinsertion, including details of the furnisher and the consumers rights. \n\nExperian and Equifax appear to have violated both provisions. They either reinserted the account without obtaining a valid certification of accuracy, or accepted a dubious certification despite the account being previously deemed unverifiable. In either case, they failed to notify me in writing of the reinsertion within the 5-day window ( or at all ). This is a direct violation of federal law. By law, the absence of timely notice alone renders the reinsertion unlawful. The violation is clear-cut and inexcusable.\n\nNo New Information or Valid Basis : There was no legitimate new information that could suddenly make this account verified. The account remains fraudulent and inaccurate. Its prior deletion establishes that XXXX could not verify it as my debt. Any purported certification by XXXX to re-report this account is highly suspect and likely false. Therefore, the reinsertion is not only procedurally improper, but also a substantive act of fraud re-reporting information known to be unverifiable and false. I have strong reason to believe this reinsertion was done in bad faith, possibly as part of a collusive arrangement between XXXX and the credit bureaus to push a bogus debt onto my reports. ( Notably, XXXX stands to benefit from having the account reappear, as it pressures me to pay or settle a debt I do not owe. Experian and Equifaxs willingness to violate the law in this manner raises the question of whether they are receiving fees or other incentives for such illicit reinsertions an unlawful collusion and abuse of the credit reporting system. ) Lack of Notice to Complainant : To reiterate, I was completely blindsided by the reappearance of this account. I only discovered the reinsertion by monitoring my credit no notice came from Experian or Equifax. This lack of notice deprived me of the opportunity to immediately dispute or block the reinserted entry, which is exactly the kind of harm the FCRAs notice requirement is meant to prevent. The bureaus secretive action demonstrates a willful disregard for my rights and basic fairness. \n\nUnauthorized Account & Identity Theft The XXXX account is fraudulent it does not belong to me. It appears to be an account opened or used by someone else ( or created due to identity theft ), which was then incorrectly attributed to me on my credit file. I have never had any business relationship with XXXX XXXX XXXX XXXX. This account is the result of identity theft or mistaken identity, and it was already acknowledged as such when it was deleted after my initial dispute. \n\nAccount Was Stolen/Inaccurate : For clarity, this account is essentially a stolen account either opened using my personal information without my permission, or erroneously reported under my name when it pertains to another individual. It is an inaccurate trade line that should never have been reported on my credit in the first place. By reinserting this account, Experian and Equifax are effectively reporting bogus debt information against an innocent consumer ( myself ). This is beyond negligent ; it is a knowing dissemination of false information. \n\nXXXX. FCRA 623 Violations by Furnisher ( XXXX ) : While this complaint is directed at the credit bureaus, it must be noted that XXXX, as the furnisher, XXXX have violated its own legal duties. If XXXX certified the account as accurate despite it being fraudulent, XXXX violated FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits furnishing information known ( or that should be known ) to be inaccurate. XXXX also failed to conduct a good-faith reinvestigation upon my disputes and apparently re-furnished the disputed information without any new proof of validity a potential violation of FCRA 623 ( b ) duties to investigate and correct. These actions by XXXX amount to furnishing false credit information and could not have been done in good faith. I am including this point because Experian and Equifaxs reinsertion of the account suggests they relied on XXXX word ; if so, all parties are complicit in re-reporting false data. Experian and Equifax had an obligation under FCRA 611 to ensure the furnishers certification was legitimate before reinstating the item they apparently failed in this obligation.\n\n4. Unfair and Deceptive Acts and Practices ( UDAP ) : The conduct of Experian and Equifax constitutes unfair or deceptive trade practices in violation of Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) and state consumer protection laws. Reinserting a previously deleted, disputed debt without notice is inherently deceptive, as it misleads the consumer and any third-party viewing the report about the legitimacy of the debt. It is also unfair, as it causes substantial injury ( credit damage and emotional distress ) that the consumer can not reasonably avoid, with no countervailing benefit. These credit bureaus are systemically betraying consumer trust and public policy by flouting dispute resolutions and secretly re-aging debts. In fact, the CFPB has recently taken enforcement action underscoring how both Equifax and Experian have engaged in systemic violations related to dispute handling and reinsertion : Equifax was found to have allowed previously deleted inaccuracies to be reinserted into credit reports, leading to a {$15.00} million penalty in XXXX  and Experian was sued in 2025 for failing to properly investigate disputes and reinserting errors on credit reports. This shows that what I am experiencing is not an isolated mistake but part of a pattern of willful misconduct by these bureaus. Experian and Equifaxs actions in my case mirror the very abuses identified by regulators ( e.g. sham investigations and unlawful reinsertion ), proving their knowing non-compliance despite being on notice. It is deeply deceptive and unethical for Experian and Equifax to present themselves as purveyors of accurate credit data while deliberately reintroducing information they know to be false. Such behavior also violates the spirit of the Consumer Financial Protection Act ( under which the CFPB can deem practices unfair or abusive ). \nXXXX. Debt Slavery and Potential Extortionate Conduct : By continuously reporting a false debt that I do not owe, Experian and Equifax have effectively shackled me to a debt that is entirely fabricated. This situation feels like a form of * * debt bondage or debt slavery, wherein I, the consumer, am being forced to suffer indefinite credit harm unless I somehow pay or resolve a debt that isnt mine. This term is not used lightly the practice of coercing payment by damaging someones credit is akin to using extortion. In fact, using credit reporting as a weapon to pressure consumers into paying illegitimate debts can be seen as an extortionate means of debt collection. Under 18 U.S.C. 894, it is a federal crime to use extortionate means ( including coercion or implicit threats ) to collect a debt, punishable by up to 20 years in prison. While Experian and Equifax are not traditional debt collectors, their willful perpetuation of false credit data serves to coerce me into paying or dealing with the fraudulent XXXX account to regain my financial freedom. They are facilitating XXXX attempted collection through extortionate damage to my reputation. I want to put Experian and Equifax on notice that this behavior is not just a civil violation it veers into potentially criminal territory. By knowingly participating in the continued reporting of a bogus debt ( after being informed of its false nature through disputes and a prior CFPB complaint ), they are participat [ ing ] in the use ofextortionate means to collect an extension of credit. If they do not cease, I will be urging regulators and law enforcement to investigate these actions under relevant criminal statutes. No consumer should be held financial hostage by false information in this manner.\n\nIn summary, Experian and Equifax have violated the FCRA, the FTC Act, and possibly criminal laws through their handling of my case. Their actions are knowing, willful, and part of a broader pattern of ignoring consumer rights. \n\nPrior CFPB Complaint & Willful Non-Compliance This is my second CFPB complaint on this matter. I previously submitted a CFPB complaint on XX/XX/year>, detailing the issues with this XXXX account and the improper conduct of Experian and Equifax. That prior complaint put both bureaus on explicit notice of the accounts fraudulent nature and their legal obligations. Equifax and Experian were thus fully aware as of early XX/XX/year> that : ( a ) the XXXX account did not belong to me, had been deleted for lack of verifiability, and ( b ) any reinsertion would be unlawful without following FCRA protocols. Despite this, they have failed to take corrective action and allowed the situation to deteriorate further. The fact that the account remains ( or was reinserted ) after my XX/XX/XXXX complaint demonstrates a knowing and willful violation. They are not making a mistake in good faith they are consciously flouting the law. This willfulness entitles me to enhanced remedies under the FCRA ( such as punitive damages ). It also indicates that internal compliance and back-office teams at these bureaus are either negligently incompetent or intentionally abusing the system. In either case, accountability is required. \n\nI urge the CFPB to review my prior complaint ( including any responses, or lack thereof, from Experian/Equifax ) as context. The bureaus disregard of a regulator-facilitated complaint process highlights their brazen attitude. If a CFPB complaint could not compel them to simply obey the law and remove a known false account, it evidences a systemic problem and a willful contempt for consumer protection laws on the part of these companies. It is also evidence that stronger action such as supervisory or enforcement intervention may be needed by CFPB in addition to resolving my individual issue.\n\nImpact on Complainant ( Damages ) Experian and Equifaxs actions have caused me substantial harm, both emotionally and financially : Emotional Distress : I have suffered anxiety, stress, and loss of peace of mind knowing that a blatantly false account is tarnishing my credit. I constantly worry about who sees this misinformation be it lenders, employers, or landlords and what they might think. The situation has caused me sleepless nights and feelings of powerlessness. It is deeply traumatic to be effectively accused of owing a debt that was a result of identity theft. The reinsertion incident done secretly has further eroded my trust in the credit reporting system. I feel harassed and abused by the very agencies that are supposed to maintain fair and accurate credit files. This emotional toll is real and significant. \nDamage to Credit Standing : The false XXXX account has negatively impacted my credit score and credit profile. It is likely being reported with derogatory information ( e.g. a fraudulent balance, late payments or charge-off status that are not mine ), which lowers my credit score unjustly. As a result, I have been denied credit or offered credit at much higher interest rates than I deserve. For example, after this account reappeared, I noticed a drop in my credit score and have received credit card denials that cite serious delinquency or accounts in collection which align with the bogus XXXX entry. This means I am effectively being financially penalized for a crime committed against me. It is an outrageous situation. \nInterference in Life Opportunities : Because of this inaccurate credit information, my access to housing and employment may also be hindered. Many landlords and employers check credit reports. I now live in fear that an apartment application or even a job offer could be jeopardized by Experian and Equifax reporting me as delinquent on a fraudulent debt. This is causing immense additional stress and potentially limiting my economic opportunities. Such ripple effects are exactly why FCRA exists and why its violation is so serious. \nFinancial Costs and Time Loss : I have spent countless hours disputing, monitoring, and attempting to resolve this issue time that I should have been spending on my job and family. Ive incurred costs for mailing dispute letters, possibly credit monitoring services, and other expenses trying to protect myself. I am also preparing to file police reports or additional identity theft affidavits, which is an onerous process. All these burdens exist solely because Experian and Equifax failed to do their jobs correctly. They should compensate me for these losses. Moreover, I intend to seek statutory damages for each willful FCRA violation ( up to {$1000.00} each ) and any actual damages in a court of law if this is not promptly resolved, as allowed by FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ). The FCRA provides for even punitive damages for willful violations, which I will pursue given the egregious and knowing nature of this misconduct. \n\nIn summary, the negligence and willful misconduct of Experian and Equifax have caused me intense emotional suffering and put me at risk of tangible financial harm. They must be held accountable for these damages. I ask the CFPB to consider these impacts and use its full authority to obtain relief and deterrence. \n\nRelief Demanded Given the above facts and violations, I am seeking the following immediate relief and remedies to resolve my complaint : Permanent Deletion of the XXXX XXXXccount : Immediately and permanently delete the XXXX  account from all of my credit reports at Experian, Equifax, and TransUnion ( if it appears there ). This deletion should occur without possibility of reinsertion. The account is fraudulent, unverified, and unverifiable it must be removed for good. \nWritten Confirmation of Deletion and Cessation : Provide me with written confirmation ( from a high-level representative of Experian and Equifax ) that the XXXX XXXXcount has been deleted and will not be reported again under my file. This documentation should be provided within five ( 5 ) business days of your receipt of this complaint and should be on official letterhead, signed by a person with authority. It must state that Experian and Equifax will cease all reporting and use of this account data in any consumer report or credit score relating to me. In essence, I want proof that this account is gone and will stay gone permanently. \nDocumentation of Any Reinsertion Actions : I demand full documentation and disclosure of how this account was reinserted. This includes : any certification of accuracy XXXX provided, the date and method of reinsertion, the internal records showing the decision process for reinsertion, and identification of the employees or agents involved in approving the reinsertion at Experian and Equifax. I have a right to this information, especially given that the FCRA entitles me to know the furnishers details and that a reinsertion occurred ( which I was never told ). I want to see how such a mistake was allowed to happen despite the law and a prior dispute. \nIdentity Theft Block Implementation : Upon receipt of my FTC Identity Theft Report and request, Experian and Equifax must immediately block the reporting of the XXXX XXXXccount ( as well as any inquiries or derivative information related to it ) in my credit file, pursuant to 15 U.S.C. 1681c-2. This block must be put in place within 4 business days of my providing the required documentation, and I should receive confirmation of the block. After blocking, the bureaus must not reinsert or un-block the item unless permitted by the narrow exceptions in the law ( which do not apply here, as this is a clear case of identity theft, not an error or frivolous claim ). \nCease & Desist Order to XXXX XXXX XXXX request that CFPB forward a cease-and-desist notice to XXXX XXXX XXXX XXXX through this complaint process as well. XXXX must be instructed to cease all furnishing of this account data to any credit reporting agency. They should also cease any collection activities on this account, including harassing calls or communications ( I have received collection calls regarding this account in the past, which is outrageous since its not mine ). XXXX should be on notice that they face legal liability if they continue to pursue a victim of identity theft for this debt. While XXXX is not the primary subject of this complaint, their cooperation is necessary for a complete resolution. They should investigate their own records, recognize this account as fraudulent, close it, and not sell or transfer it ( if they havent already ). \nUpdated Credit Reports : After deletion and blocking, I demand updated copies of my Experian and Equifax credit reports ( at no charge to me ) to verify that the XXXX account has been removed. Additionally, my credit scores should be recalculated without the influence of this derogatory item, and I should be provided some assurance that any lingering negative impact ( such as low score or risk flags caused by the account ) has been fully mitigated. \nGoodwill Measures for Damage Done : While the immediate deletion is top priority, I also ask that Experian and Equifax take steps to mitigate the damage Ive suffered. For instance, they should assist me in notifying any recent creditors who pulled my report that the derogatory information was erroneous ( so I can perhaps get credit reconsidered ). They should also consider offering me a period of complimentary credit monitoring or other services to help regain my confidence, given how their failures have increased my risk. At minimum, I expect an apology and acknowledgment of error from both companies. \n\nAll the above actions are necessary to make me whole and prevent further harm. I expect these remedies to be carried out immediately upon receipt of this complaint. I will not accept half-measures ( such as a temporary deletion or a vague promise ). I want concrete, verifiable action and documentation. \n\nAccountability and Further Actions It is not enough to simply delete the account now that the damage is done ; Experian and Equifax must also be held accountable so that they do not repeat such conduct. I am therefore requesting that beyond the individual relief, the CFPB consider the following measures and that Experian and Equifax acknowledge these steps : Internal Disciplinary Action : Experian and Equifax should investigate the actions of their employees and automated systems that led to this unlawful reinsertion. The back-office compliance and dispute teams responsible must be retrained, disciplined, or removed if they willfully violated protocols. I demand that the companies report what internal corrective action they are taking ( e.g., if a particular department failed to send the notice, what is being done about it? ). Individual accountability is important those who knowingly broke the law should face professional consequences. \nCompliance Review and Certification : I call on Experian and Equifax to conduct a thorough compliance review of their reinvestigation and reinsertion procedures, and to certify to the CFPB ( and to me in writing ) that they have implemented measures to prevent such unlawful reinsertion in the future. This might include improved system checks to enforce the FCRA 5-day notice rule and stronger verification requirements before any deleted data can be re-reported. Given the CFPBs findings of widespread issues at these bureaus, a proactive compliance step is warranted.\n\nRegulatory Enforcement : I respectfully urge the CFPB to use its supervisory and enforcement authority in this case. These violations go beyond my individual incident ; they reflect broader problems. If not already under an enforcement action, Experians and Equifaxs behavior here might merit inclusion in any ongoing CFPB oversight of credit reporting agencies. The CFPB should ensure they pay penalties if appropriate, just as Equifax was fined for similar issues earlier in 2025. A strong regulatory response will incentivize compliance and show the industry that reinsertions without notice and related abuses will not be tolerated. \nCivil Litigation : If Experian and Equifax do not fully remedy this situation, I am prepared to pursue a civil lawsuit for FCRA and related violations. I will seek all available damages statutory, actual, and punitive for their willful noncompliance. As noted, willful FCRA violations can result in significant financial penalties and even punitive damages. I am also aware that each failure to comply ( each improper reinsertion and each lack of notice ) can be a separate violation, potentially multiplying the statutory damages. I would prefer to avoid litigation, but I will not hesitate if my rights continue to be ignored.\n\nCriminal Referral : Given the hints of collusion and willful data manipulation in this case, I also put Experian and Equifax on notice that I may seek a referral to the FTC, state Attorneys General, or even the Department of Justice for investigation into potential criminal law violations. As discussed, using false credit reporting to extort payment can violate federal criminal law ( 18 U.S.C. 894 ). Additionally, if any individual at the bureaus altered or suppressed the required consumer notice or tampered with my dispute, that could be considered mail or wire fraud. Knowingly providing false information to a federal regulator ( if they respond to CFPB with false claims ) can also be a crime. I urge the companies to consider their personal and corporate exposure here. This is not a standard, low-level error its a willful act that carries legal risk.\n\nPersonal Accountability of Management : I demand that upper management at Experian and Equifax acknowledge this complaint and take responsibility. Often these kinds of problems stem from corporate policies that prioritize profit or appeasing furnishers over consumers rights. I want to see a statement from a senior compliance officer or executive that they have reviewed my case and are ensuring compliance going forward. If this does not happen, it further evidences a culture of compliance failure, which I will report to the CFPB and appropriate authorities.\n\nLegislative and Public Policy Note It is worth noting that public policy is moving in a direction to further protect consumers from exactly the kind of harm Ive experienced. For example, in XX/XX/year> the state of Washington enacted XXXX XXXX XXXX, a law that prohibits collection agencies from reporting medical debt to credit bureaus, effectively ensuring that certain sensitive and often disputable debts ( like medical bills ) do not haunt consumers credit reports. This law was passed to protect consumers from unfair credit reporting practices that can ruin lives. The spirit of such legislation is to recognize that some debts or accounts should not be on credit reports at all due to their potential for error or harm. Similarly, federal regulators ( CFPB ) have been working on rules to curb credit reporting of medical debt and other abusive reporting practices. \n\nWhile my case is about a financial account, not medical, the principle is the same unauthorized or erroneous accounts must not be reported. XXXX XXXX and related initiatives show a growing consensus that consumers need stronger protections against improper credit reporting of any debt that is not valid or fair. By continuing to report a clearly unauthorized account, Experian and Equifax are acting contrary to this public policy trend and against the principles of fairness. In fact, their actions would be condemnable under any stricter regime contemplated by lawmakers. I cite this to urge the CFPB to act decisively consumers like me should not have to fight these battles when the law and emerging policies are on our side.","date_sent_to_company":"2025-05-21T18:00:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"13642769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-21T16:37:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If they do not cease, I will be urging regulators and law enforcement to <em>investigate</em> these actions under relevant <em>criminal</em> statutes. No consumer should be held financial hostage by false information in this manner.\n\nIn summary, Experian and Equifax have violated the FCRA, the FTC Act, and <em>possibly</em> <em>criminal</em> laws through their handling of my case. Their actions are knowing, willful, and part of a broader pattern of ignoring consumer rights."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[9.225549,"13642769"]},{"_index":"complaint-public-v1","_id":"12088853","_score":9.046192,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX delivered me a new truck and Ally bank was the alleged lender. \n\nXX/XX/XXXX, business manager XXXX XXXX created a brand new promissory note and forged my name 4 times and used my business EIN for credit. \n\nXX/XX/XXXX XXXX XXXX calls and asks to sign a brand new loan as Ally refused to accept the negotiable instrument as indorsed. \n\nXX/XX/XXXX i opted to go into dealership and discuss and indorse the new loan document. \n\nMy original payment date was due on XXXX XXXX so, when i got my documents from ally stating a payment date of XX/XX/XXXX i was concerned and asked about the difference, i have recorded my call with Ally at this time and asked when my loan was created. the man on the phone stated it was created on XX/XX/XXXX. \n\ni never authorized my signature, indorsement or other pertinent information on that date. i was not even at the dealership. \n\nAlly responded to my prior CFPB complaint : XXXX and XXXX by claiming that i signed this loan and was held liable for the payments. they refused to fix the credit reporting and refused to provide the information i have requested by law they provide me. \n\nI contacted state attorney general of Michigan and filed a complaint about the fraud and forgery. XX/XX/XXXX i received a direct call from the investigator for the attorney general. in this call i was informed the state investigated the allegation and found the dealership did in fact commit fraud and forgery of this loan. The state attorney general has filed a fraud charge against XXXX XXXX XXXX for the fraud and the state will be pursuing a combination of civil fines and possibly criminal charges as a result of this intended fraud. \n\nNow since the state attorney general has proven the forgery and fraud, I will be contacting the FBI to pursue RICO violations between Ally Bank and XXXX XXXX of XXXX. \n\nAlly bank purchased the promissory note from XXXX XXXX. Ally performed an Account creation and credit my new account with the value of the promissory note. Ally thus created a liability on its balance sheet meaning that Ally owes that amount to me. The XXXX XXXX refers to funds that are credited to the account based on the processing of the promissory note or related transactions. The bank processed the note through the clearing system, potentially resulting in a higher amount credited to my account. Legally, this could result from how the bank structured the transaction, leveraging the note 's value for greater credit creation. \n\nSince the bank credited my account, I become the account holder in due course for the deposited funds. This means I am entitled to the funds credited to my account, and the bank is obligated to honor that amount under the agreement created by the promissory note purchase and subsequent crediting. so, the original note amount was {$91000.00} multiplied by 900 % is about {$820000.00} that would have been created. \n\nThe legal foundation for this comes from UCC Article 3 ( Negotiable Instruments ) and Article 4 ( Bank Deposits and Collections ), which govern how promissory notes are transferred, how funds are credited, and how banks handle accounts in clearing processes. \nThis explanation is based on the law and not speculation. The banks actions would need to align with these laws in terms of its obligations toward me as the account holder and its role in processing and purchasing the note.\n\nRelevant Laws Protecting Your Rights 1. 12 U.S.C. 1821 ( a ) Deposit Insurance : This section outlines the FDIC 's authority to insure all deposits held at FDIC-insured banks up to the insurance limit ( typically {$250000.00} per depositor, per bank ). This protection extends to your deposit in case of malfeasance, mismanagement, or improper withholding of funds.\n\n2. 12 U.S.C. 1819 FDIC Authority : This section gives the FDIC broad authority to regulate banks and investigate complaints where the bank has failed to operate properly, including blocking access to customer funds.\n\n3. 12 U.S.C. 1831t Consumer Protections : This statute provides protection for depositors and consumers in relation to unfair or deceptive banking practices. Blocking access to funds in your account could be seen as an unfair practice under this provision.\n\n4. UCC Article 4 ( Bank Deposits and Collections ) : Under UCC Article 4, a bank is required to honor the deposit agreements made with its customers, and it can not arbitrarily block access to funds that belong to the account holder. If the bank refuses to provide access without proper cause, this can be considered a violation of fiduciary duty or breach of the deposit agreement.\n\n5. Trustee or Custodian Role : If the bank is acting as a trustee or custodian, it still must act according to fiduciary standards. This means the bank is responsible for handling your funds in good faith and with care, and denying access to the funds without a legal reason is a breach of this duty. \n\n1. XXXX XXXX XXXX XXXX and Consumer Protection Act ( 2010 ) Legal Framework : The Dodd-Frank Act established the CFPB to enforce consumer financial protection laws. It allows individuals to file complaints about unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including banks.\n\nKey Sections : o 12 U.S.C. 5481 et seq. provides the statutory authority for the CFPBs power to investigate and regulate banks ' practices related to consumer financial products.\n\no 12 U.S.C. 5531 ( UDAAP ) prohibits unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Denying access to your account could potentially fall under unfair practices.\n\nYour Right : You are entitled to file a complaint with the CFPB if you believe the bank is engaging in practices that violate consumer protection laws, including blocking access to your account without legal justification.\n\n2. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq.\n\nLegal Framework : The EFTA governs electronic fund transfers and protections for consumers in banking relationships, including unauthorized or improper withholding of funds.\n\nKey Section : o 15 U.S.C. 1693f covers the rights of consumers to dispute errors related to electronic transfers, which can include improper restrictions on access to your account.\n\nYour Right : If your access to the account is blocked in a way that prevents electronic fund transfers, the EFTA gives you grounds to file a complaint through the CFPB.\n\n3. Truth in Savings Act ( TISA ) 12 U.S.C. 4301 et seq.\n\nLegal Framework : The Truth in Savings Act ensures that banks provide clear disclosures regarding the terms and conditions of deposit accounts, including how and when funds are accessible.\n\nKey Section : o 12 U.S.C. 4303 mandates that consumers must have clear access to their funds according to the terms provided by the bank.\n\nYour Right : If the bank is not honoring its disclosure of account access rights, you can file a complaint with the CFPB under this act.\n\n4. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nLegal Framework : The FCRA governs how financial information is reported and can be relevant if the blocked account impacts your credit or if the bank is not properly handling your credit-related rights.\n\nYour Right : If the bank 's actions have affected your credit report ( for example, due to missed payments or penalties related to blocked access ), you can file a complaint with the CFPB under the FCRA.","date_sent_to_company":"2025-02-21T21:30:30.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"488XX","tags":null,"has_narrative":true,"complaint_id":"12088853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-02-14T12:15:52.000Z","state":"MI","company_public_response":null,"sub_issue":"Loan opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["XX/XX/XXXX i received a direct call from the <em>investigator</em> for the attorney general. in this call i was informed the state <em>investigated</em> the allegation and found the dealership did in fact commit fraud and forgery of this loan. The state attorney general has filed a fraud charge against XXXX XXXX XXXX for the fraud and the state will be pursuing a combination of civil fines and <em>possibly</em> <em>criminal</em> charges as a result of this intended fraud."]},"sort":[9.046192,"12088853"]},{"_index":"complaint-public-v1","_id":"6021038","_score":8.958645,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX Discrimnatory & maliciously took my more than 5 time asset. \n\nXXXX bank has corrupted, criminally keep trying to destroy me and my family for past XXXX. \n\nXXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXX Bank ( TCF ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXX bank has never sent correct statements, or bills. \nA. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}. \na. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years. \nb. I have never asked XXXX bank to increase the credit line, nor XXXX bank asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXX Bank. \nc. I have been paying all the property taxes, insurances and other for the past XXXX on my properties. \nd. I have never asked XXXX bank {$10000.00} nor XXXX bank offered me {$10000.00} during the bankruptcy. As you can see XXXX bank has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXX bank never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy. \nXXXX XXXX bank suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account. \nXXXX XXXX Bank never paid any insurance of property taxes especially criminally caused and created by XXXX Bank. \ng. I have been paying all the insurance and taxes by myself all the time for the past 38 years. \nh. I spoke to managers and bankers of local XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX pm and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit. \ni. XXXX Bank is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account. \nj. I paid off the total XXXX Bank mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment XXXX ( XXXX ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX Bank. \nXXXX XXXX Bank illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the XXXX Bankruptcy XXXX XXXX the Bankruptcy. \nXXXX XXXX Bank must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption. \nm. I have never missed, or late any payments for the past XXXX this account, but XXXX Bank has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms. \nThreatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it. \nXXXX Bank collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX. \nI have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXX bank has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people. \nXXXX XXXX Bank ask me to contact Escrow department or XXXX Department XXXX XXXX Bank, but they have never taken any of my phone calls. \n\nXXXX XXXX Bank has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX. \n\nXXXX. XXXX bank has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally. \na. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX. \nXXXX XXXX bank vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, XXXX XXXX already had XXXX landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXX Bank XXXX These criminal acts of XXXX Banks internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers. \n\nXXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts. \na. I investigated XXXX Banks malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system. \nb. The top XXXX of XXXX Bank XXXX banking XXXX and top Bank management officers well aware of their malfunctioning computer system. The XXXX Bank computer system has never generated any confirmation code or track the payment for years at the time. \nc. The top XXXX notified me that the XXXX Bank XXXX banking system was so outdated, irreparable, or unfixable. XXXX Bank must purchase a new system. \nd. But XXXX Bank did not have enough money to buy a new system and the XXXX Bank XXXX bankrupt. \nXXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over XXXX at the time and my XXXX XXXX was XXXX. \n\nXXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than XXXX times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts. \nXXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption. \nI have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my XXXX XXXX was XXXX. \nXXXX. XXXX Bank did not release the XXXX Bank customers lien at XXXX XXXX XXXX XXXX already paid loan payments of so many their clients. \nXXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again. \nXXXX XXXX XXXX XXXX Bank didnt clear my lien already paid amount. \nXXXX Because XXXX Banks illegal operation I had to pay XXXX Bank XXXX XXXX higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal XXXX banking XXXX XXXX \ne. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly. \nf. There are currently so many victims created by XXXX Bank XXXX \nXXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX for XXXX. \n\nXXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family. \n\nXXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had XXXX lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers. \n\nXXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging XXXX times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money. \n\nXXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it. \nI treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is. \n\nXXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally. \nXXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial XXXX destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades. \nXXXX. You can check Federal Bankruptcy Court record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my XXXX bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning. \n\nXXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim. \nMy three lawyers, a. 1st lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case. \nb. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests. \nXXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption. \n\nXXXX. I didnt have any attorneys to represent me at the court for my case. \na. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me. \nb. XXXX attorneys already messed up and negligent my case. \n\nXXXX. I, myself, represented me at the XXXX Bankruptcy XXXX in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case. \n\na. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy XXXX. \nXXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX. \nXXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President. \n\nXXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank. \n\nXXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX. \na. XXXX XXXX XXXX XXXX denying everything saying XXXX Bank XXXX do anything for me. \nb. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters. \nXXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank. \nXXXX XXXX Bank took more than 500 % of my loan amount and took my life savings. \nXXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family. \nXXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case. \nXXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing. \n\nNo one has ever answered for the false bills, false collections, false claims, or false Credit report. \nA After my bankruptcy case was done by XXXX Bankruptcy XXXX. \nXXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank. \nXXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family. \nXXXX. It is a serious malicious XXXX discrimnatory hate crime. \nXXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form XXXX, XXXX. Amount of XXXX XXXX {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank XXXX department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than XXXX and XXXX bank XXXX profit more than {>= $1,000,000}. \nc. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the XXXX saving purpose which XXXX Bank made XXXX of loan amounts. \nXXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others. \n\nThis XXXX show, how XXXX bank has been doing wrong again and again. This is another criminal act beside XXXX attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department. \n\nI put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country. \nI am looking forward hearing from you. \n\nVery respectfully, XXXX XXXX","date_sent_to_company":"2022-09-26T20:16:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44514","tags":"Older American","has_narrative":true,"complaint_id":"6021038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-26T20:16:05.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX bank has done <em>business</em> knowingly illegally, wrongfully, and racially discrimnatory, and <em>criminally</em>. \nXXXX On <em>CFPB</em> ( Consumer Financial Protection Bureau ( <em>CFPB</em> ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[8.958645,"6021038"]},{"_index":"complaint-public-v1","_id":"6021043","_score":8.923855,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX Discrimnatory & maliciously took my more than 5 time asset. \n\nXXXXXXXXXXXX XXXX has corrupted, criminally keep trying to destroy me and my family for past XXXX. \n\nXXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXXXXXX XXXX ( XXXX ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXXXXXX XXXX has never sent correct statements, or bills. \nA. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}. \na. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years. \nb. I have never asked XXXXXXXX XXXX to increase the credit line, nor XXXXXXXX XXXX asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXXXXXX XXXX. \nc. I have been paying all the property taxes, insurances and other for the past XXXX on my properties. \nd. I have never asked XXXXXXXX XXXX {$10000.00} nor XXXXXXXX XXXX  offered me {$10000.00} during the bankruptcy. As you can see XXXXXXXX XXXX has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXXXXXX XXXX never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy. \ne. XXXXXXXX XXXX suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account. \nf. XXXXXXXX XXXX never paid any insurance of property taxes especially criminally caused and created by XXXXXXXX XXXX \ng. I have been paying all the insurance and taxes by myself all the time for the past XXXX years. \nh. I spoke to managers and bankers of local XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX XXXX and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit. \ni. XXXXXXXX XXXX is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account. \nj. I paid off the total XXXXXXXX XXXX mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment two ( 2 ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX XXXX \nXXXX XXXXXXXX XXXX  illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the Federal Bankruptcy Court during the Bankruptcy. \nXXXX XXXXXXXX XXXX must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption. \nm. I have never missed, or late any payments for the past XXXX this account, but XXXXXXXX XXXX has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms. \nThreatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it. \nXXXXXXXX XXXX  collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX. \nI have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXXXXXX XXXX has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people. \no. XXXXXXXX XXXX ask me to contact Escrow department or legal Department of XXXXXXXX XXXX, but they have never taken any of my phone calls. \n\nXXXX XXXXXXXX XXXX has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX. \n\nXXXX. XXXXXXXX XXXX has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally. \na. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX. \nXXXX XXXXXXXX XXXX vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, XXXX I already had XXXX landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXXXXXX XXXX XXXX These criminal acts of XXXX XXXX internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers. \n\nXXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts. \na. I investigated XXXXXXXX XXXX malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system. \nb. The top manager of XXXXXXXX XXXX XXXX banking system and top Bank management officers well aware of their malfunctioning computer system. The XXXXXXXX XXXX computer system has never generated any confirmation code or track the payment for years at the time. \nc. The top manager notified me that the XXXXXXXX XXXX XXXXXXXX banking system was so outdated, irreparable, or unfixable. XXXXXXXX XXXX must purchase a new system. \nd. But XXXX Bank XXXX not have enough money to buy a new system and the XXXX Bank XXXX bankrupt. \nXXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over XXXX at the time and my XXXX XXXX was XXXX. \n\nXXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than XXXX times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts. \nXXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption. \nI have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my XXXX XXXX was XXXX. \nXXXX. XXXX Bank did not release the XXXX Bank customers lien at XXXX XXXX XXXX XXXX already paid loan payments of so many their clients. \nXXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again. \nXXXX XXXX XXXX XXXX Bank didnt clear my lien XXXX paid amount. \nXXXX Because XXXX Banks illegal operation I had to pay XXXX Bank 2-3 times higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal XXXX banking XXXX XXXX \ne. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly. \nf. There are currently so many victims created by XXXX Bank XXXX \nXXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX for XXXX. \n\nXXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family. \n\nXXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had three lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers. \n\nXXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging 40 times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money. \n\nXXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it. \nI treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is. \n\nXXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally. \nXXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial XXXX destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades. \nXXXX. You can check Federal Bankruptcy Court record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my 2 bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning. \n\nXXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim. \nMy three lawyers, a. 1st lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case. \nb. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests. \nXXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption. \n\nXXXX. I didnt have any attorneys to represent me at the court for my case. \na. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me. \nb. Two attorneys already messed up and negligent my case. \n\nXXXX. I, myself, represented me at the Federal Bankruptcy Court in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case. \n\na. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy Court. \nXXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX. \nXXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President. \n\nXXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank. \n\nXXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank Consumer Advocacy Specialist on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX. \na. XXXX XXXX XXXX was denying everything saying XXXX Bank wont do anything for me. \nb. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters. \nXXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank. \nXXXX XXXX Bank took more than 500 % of my loan amount and took my life savings. \nXXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family. \nXXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case. \nXXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing. \n\nNo one has ever answered for the false bills, false collections, false claims, or false Credit report. \nA After my bankruptcy case was done by Federal Bankruptcy Court. \nXXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank. \nXXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family. \nXXXX. It is a serious malicious XXXX discrimnatory hate crime. \nXXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form 1099-C, XXXX. Amount of Debt discharged {$58000.00}. \nXXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents. \nXXXX XXXX Bank legal department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections. \nXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXXXXXX XXXX Credit Department and Escrow Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than 5.5times and XXXX bank had profit more than {>= $1,000,000}. \nc. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the Tax saving purpose which XXXX Bank made XXXX of loan amounts. \nXXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others. \n\nThis one show, how XXXX bank has been doing wrong again and again. This is another criminal act beside Collection attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department. \n\nI put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country. \nI am looking forward hearing from you. \n\nVery respectfully, XXXX XXXX","date_sent_to_company":"2022-09-26T20:16:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44514","tags":"Older American","has_narrative":true,"complaint_id":"6021043","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-26T20:16:05.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX bank has done <em>business</em> knowingly illegally, wrongfully, and racially discrimnatory, and <em>criminally</em>. \nXXXX On <em>CFPB</em> ( Consumer Financial Protection Bureau ( <em>CFPB</em> ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[8.923855,"6021043"]},{"_index":"complaint-public-v1","_id":"3740201","_score":8.886711,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was the victim of credit card fraud from an ex girlfriend who used my cards for her own personal gain using 3 separate credit cards from XX/XX/XXXX to XX/XX/XXXX without my permission and without my knowledge. One of these cards is through XXXX XXXX XXXX. I have cleared the fraudulent charges on my other two cards by submitting a fraud report to those companies, but XXXX has refused to do a fair and impartial investigation to clear the debt from my name even with the substantial evidence which has been presented to them. I am submitting this complaint due to violations committed by XXXX XXXX XXXX under the Fair Debt Collection Practices Act and Fair Credit Billing Act. The final complaint submitted to XXXX XXXX XXXX was received with the following statement made by them in writing which outlines their lack of investigations. \" We previously responded to your concerns in our enclosed letter dated XX/XX/XXXX, in which we enclosed a copy of the Card member Agreement that says on page 1 that you, as the Primary Card member, are responsible for all charges made including anyone you permit to use your account. '' They then proceed to state \" Although we understand your claim that your ex-girlfriend used the credit card without your permission, you acknowledge that you made and agreement with her to repay you for the purchases and acknowledge that you allowed her to handle your finances. We consider this to be a civil matter, not fraud, and best handled outside of the credit card industry. Our decision remains unchanged '' This letter was received by myself on XX/XX/XXXX and is entirely inaccurate on the information submitted to XXXX XXXX XXXX on the fraud report and continues to be perpetuated by false information reported to the credit bureaus as well. When I submitted the report of the fraudulent activity, I never stated I asked the ex-girlfriend to repay ME for these fraudulent charges, I offered her the ultimatum to repay the fraudulent charges to XXXX and clear the credit card of all debt or to face criminal prosecution. She then made a few payments on the card, but then recanted her promise to pay and was ultimately charge with two felony charges by the XXXX, NC Police Department. XXXX also inaccurately states that I claimed this ex-girlfriend handled my finances. At no time has she ever handled my fiances and this information is completely inaccurate. However, even if this information WAS accurate, there is no place under the law that would excuse felony credit card fraud and identity theft and make this matter a civil matter. XXXX has not once called me after repeated requests and complaints over this matter to actually conduct an accurate and thorough interview. After this last \" investigation '' I received a call stating an investigator name XXXX would contact me in the coming days as she works on the investigation. I never received that call, in fact there was no information provided by me at all in this investigation other than information they claim I provided and used that is full of inaccuracies entered from their initial investigation two years ago. Instead, I received a letter stating \" Our decision remains unchanged '' and then cites inaccuracies that persist from the initial investigation 2 years ago that I have continued to point out are incorrect. I have had nothing to do with this re-investigation and they appear to simply be reading someone else 's notes and then copying what they had to say which includes falsehoods such as \" He allowed her to use his card '' or \" You allowed her to handle your finances '' when in reality they are misapplying statements that were made about unrelated items. I have never had the chance to have a fair and ACCURATE investigation as it is glaringly obvious XXXX does not want to conduct a real investigation because they know the fraud I experienced must be deleted from my account and clear my credit of this charge card. XXXX states the following inaccuracies on their investigations but has never validated or even contacted me to verify any of the information which they seem to use to make their determination. 1. I allowed the ex-gf to use the cards. -I made it abundantly clear to XXXX XXXX XXXX I never authorized nor knew about the fraudulent charges. Once I discovered the illegal charges, I gave the person who was still a current girlfriend at the time the ultimatum to repay the money for the theft ( to the credit card companies ) or I would file criminal charges. The reason I did not immediately file criminal charges is to avoid her becoming a convicted felon. She was at the end of two years of college classes to become an XXXX   and was almost ready to graduate and she was also a XXXX  mother. As stated earlier, we were still romantically involved and I did not want to ruin years of schooling for her XXXX. Instead, trying to be fair, I offered her the chance to make things right with the credit card companies or turn her over to the police, but ultimately that would be her decision. The woman in question did make payments to the cards for a short period of time then stopped entirely and directly refused to pay off her fraudulent charges. By the time I filed criminal charges I had ended the relationship, removed her from my home, and reported the fraud she had committed to the credit card companies. I attempted to make the credit card companies whole by first giving her ( the ex-gf ) the opportunity to repay the money and avoid prosecution. It seemed like the \" nice-guy '' option as everyone would win in this scenario. She would avoid any charges and could continue on her career as a XXXX  and set a good example to her children ( she was also a XXXX   mother ), the credit card companies would be repaid in full PLUS interest on her fraudulent charges, and I would not have to deal with this nightmare of fighting to clear my name of charges I did not authorize or know about. XXXX now contends that makes this a \" civil '' matter. I directly dispute that allegation as I have consulted with my local police department who agree, this is a criminal matter and on XX/XX/XXXX filied one charge of Financial Transaction Card Fraud. An additional charge of Felony Identity Theft was added by Investigator XXXX on XX/XX/XXXX. As explained to me by Investigator you can not make a felony into a civil matter, and allowing her to repay the money to XXXX  is actually called \" continuation of a felony ''. The investigator stated it would not be something you would likely understand and obviously you were trying to do what is right, but XXXX XXXX XXXX absolutely should know that a felony can not be absolved by paying restitution it simply \" continues '' even if the debt was cleared, however that was not the case here as the ex-gf failed to pay the money as promised. 2. XXXX alleges I allowed my ex-gf to \" handle my finances ''. Once again, this information is completely false and results in massive assumptions compiled by information that had to be twisted by the initial investigator. The information provided to the initial investigator that could only be where the investigator drew this conclusions was when I stated the now ex paid \" all the bills of the house '' meaning she had the lights, cable, rent etc in her name. I was NOT on the lease, I was not joint on any account with her of any kind. I simply paid her half of these items in cash to pay these house hold items. I lived with her, but the lease of that rental was in her name. To be fair, I paid my fair share of items that were used, but at no point did she handle my finances. I had my own bank account which she was not on, I paid all my own items such as cell phone, insurance, car payment, student loans etc myself. They came from my bank account which was again in my name. The only reason the household bills were ever mentioned to the initial investigator was because after reviewing the fraudulent charges, I noticed she was paying 100 % of these \" household bills '' with the stolen funds from my credit card AND collecting half of the bills from me personally in cash as well. So she was avoiding paying any of the bills since she was adding them to the cards, then still taking cash from me as if she was adding it to her money and sending out checks to pay those bills. I even discovered at least two forged credit card checks she used to pay the rent to the land lord, but once again also got half of the rent from me in cash. As a result, she managed to not pay any of the bills in her name for several months, collect money from me, and later also used the stolen card information to pay HER personal bills such as car insurance, cell phone bill, buy items online for her children, pay her child 's cell phone bill, put gas in har car, etc. That was all discovered shortly after I purchased my home and was confronted with the massive amount of credit card debt by my mortgage broker who then explained my credit bureau was showing maxed out cards. However, the \" investigators '' from XXXX also got this information wrong and somehow turned this into the ex must have had access to all my finances etc. They have failed to do any semblance of an investigation and have simply rehashed old inaccurate information and placed notes on the account never actually doing anything. As a result, I am filing this complaint with copies of the police report as well as the statutes of both State and Federal laws  which prove without a double that what XXXX alleges is civil is entirely criminal. There is no reason for this account to still be appearing on my credit bureau when the information they have been provided proves this account is the result of Credit Card Fraud! For  XXXX XXXX XXXX to continue to report this as a charge off and reporting this information as accurate is a concerted effort to intentionally inflict damages upon me for refusing to pay on this account due to the fact it is fraud. The following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. ( a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 ) Obtains money, goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of five hundred dollars ( {$500.00} ), or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or ( 3 ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed five hundred dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds five hundred dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both. It is obviously clear that there is no defense alleged by XXXX in any previous statement that would make this matter civil in any way. Both State and Federal laws make it very clear I was the vitim of fraud, as well as the local police department who have filed two felony charges against her. So, how can XXXX possibly make the claim to find this matter civil? The last time I checked the Prosecutors and Police officers who do this for a living decide what is a crime based on these very statutes, especially since they saw fit to file charges for the actions of this now ex-girlfriend. So what then could possibly motivate XXXX to continually file false information that my account information is \" accurate '' when the LAW says it is not just criminal, but FELONY charges that were committed. My rights under the Fair Debt Collection Act have been violation due to intentional and deceptive collection practices, unfair reporting of false information, and illegally reporting inaccurate information to creditors damaging my credit score resulting in higher interest rates on my home, car insurance, as well as knowingly keeping that false information on my credit bureau. They have also violated my rights under the Fair Credit Billing Act knowingly failing to investigate my claim of fraud and simply passing of their \" investigation '' as completed. This is obvious with prima facia evidence that they continue to claim the fraudulent charges are civil when their are a half dozen statutes listed that contradict their own statements. They are not qualified to make legal decisions on what is or is not fraud when the law has already clearly defined the actions that occurred in my case fall directly in the definition of credit card fraud. Cards were used without my knowledge, items were purchased over the internet falling under federal statutes, signatures on receipts were signed under my name which were then forgeries, credit card checks were cashed using my name to pay rent also adding to the fraud under Forgery of Financial Transaction and Receipt and Concealment of Goods Obtained by Use of Card. There is Statute after Statute that directly covers EVERYTHING that  happened to me as a victim of fraud, but XXXX XXXX XXXX wants to fake an investigation and call it civil. To continue this narrative is not just unjust, but it is borderline criminal on their part knowing that the lasting effects of their information is directly harming me financially. That is likely their motive for continuing to respond in the manner that they are an I surely hope an investigation is conducted by CFPB and additional fines and punitive damages are levied against them for their deceptive and illegal business practices.","date_sent_to_company":"2020-07-10T12:26:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3740201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-10T12:26:40.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["That is likely their motive for continuing to respond in the manner that they are an I surely hope an <em>investigation</em> is conducted by <em>CFPB</em> and additional fines and punitive damages are levied against them for their deceptive and illegal <em>business</em> practices."]},"sort":[8.886711,"3740201"]},{"_index":"complaint-public-v1","_id":"6497487","_score":8.786359,"_source":{"product":"Checking or savings account","complaint_what_happened":"I wish to practice my right as a customer of Wells Fargo to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Wells Fargo. \nIn order to clear up the myriad of letters and correspondences I have hitherto sent to Wells Fargo respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. \nIt is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. \nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Wells Fargo to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. \nDuring the complaints process with Wells Fargo, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. \n\nGeneral Obligation : Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Company ), which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to a fraudulent investment firm. \nWhen determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Wells Fargo did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Wells Fargos custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Wells Fargo promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Wells Fargo was in compliance with its own policies and procedures ; ( v ) whether Wells Fargo owed duties to myself, what the scope of those duties was, and whether Wells Fargo did not uphold those duties ; ( vi ) whether Wells Fargos conduct was unfair ; and ( vii ) whether Wells Fargo has within its power the ability to, and should, compensate me for the harm that has befallen me. \nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. \nIn providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a XXXX eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Wells Fargo must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. \nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. \nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Wells Fargo did not foresee the fraud and disregarded even the most obvious dangers in this respect. \nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past","date_sent_to_company":"2023-01-27T06:40:18.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"95037","tags":null,"has_narrative":true,"complaint_id":"6497487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-01-27T06:34:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They are struggling to adapt their <em>business</em> offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of <em>CFPB</em> as well as their own internal policy and procedures sold to their clients."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[8.786359,"6497487"]},{"_index":"complaint-public-v1","_id":"5253426","_score":8.555788,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"B of A Fraud Claim - {$5000.00} I am once again reaching out to the CFPB requesting assistance on my {$5000.00} fraud claim. Bank of America continues to deny this claim with the only stated reason being no posting error has occurred. I feel strongly that B of A is in violation of Regulation E with regards to this claim and possibly many other similar claims. I ask that the CFPB review the facts of this claim, and similar outstanding and unresolved claims against B of A and consider appropriate enforcement action. At least one prior class action claim confirmed that B of A has been negligent in their handling of similar claims and I ask that the CFPB hold them accountable as they continue to disregard their customers rights and their own responsibilities as custodian of our accounts. \nThe facts of my claim are as follows : On Friday, XX/XX/2021, a {$5000.00} transfer was initiated by someone unknown to me to an account at another bank also unknown to me. I had not provided my card, PIN, or password, to any other person and had not authorized any person to use my card or initiate a transaction. This transaction on XX/XX/2021, was the first of two unauthorized transfers initiated on this account. \nOn Sunday, XX/XX/2021, I discovered the fraudulent transfer and notified B of A of the details at about XXXX XXXX that day, less than two full business days after the transaction was initiated. I was able to provide the bank representative with the routing number and last 4 digits of the account number the {$5000.00} was transferred to. I was confident that the bank could stop the transfer and possibly take action against the perpetrator as the funds would not have been deposited to the receiving account until at least Monday, XX/XX/2021. It appears that the bank did nothing to stop this transfer or identify the person/account that received those funds. \nOn XX/XX/2021, there was a second transfer initiated for {$1900.00}. I fortunately discovered that transfer on the same day it was initiated. I contacted B of A and the receiving bank, based on the routing number, and alerted both banks of the fraudulent transfer in process. In the end, that second fraudulent transfer attempt failed with no loss to me. \nBased on the details I could see that the two transactions were identical in how they were processed. In both cases the bank transfer data screen in my account was somehow populated with a routing number and account number without my knowledge and apparently without triggering any alerts at B of A. In both cases the transfers were initiated two days after larger than normal credits had been posted to the account resulting in a larger than usual current balance. The person initiating these transfers must have had access to transaction level detail in order to time the transfers accurately and for amounts that largely depleted the account. The perpetrator also either had access to the bank system or in some way was able to access my account without my knowledge. There were no signs such as changes to my password or other information that indicated someone had stolen my account or identity. The only irregularities were the two transfers initiated on XX/XX/2021, and XX/XX/2021. Based on the number of similar complaints reported to the CFPB by other cardholders it is clear this was not an isolated issue. Shortly after XX/XX/2021, B of A issued me a replacement card that included increased security such as chip technology. I believe B of A made this change, increasing card security, due to the high volume of fraudulent activity they were experiencing on similar accounts. There has been no suspicious activity on this account since that updated card was issued. \nOver the months between XX/XX/2021, and today I have had numerous interactions with B of A customer service representatives. While they always had to refer the issue to the Fraud Department they were, without exception, sympathetic regarding my loss and indicated that they were dealing with a high volume of fraudulent claims. During an XX/XX/2021, call the B of A representative explained that my claim had initially been incorrectly coded by the bank. She requested that I change the email and security information on my account, which I did while on the phone, and she then confirmed to me that the claim would be treated as fraudulent and the {$5000.00} would be returned to my account. The bank did not honor that commitment. \nIn XXXX a different bank representative asked that I file a police report with the local police department as it would add further support in characterizing the claim as fraudulent. I did file a report at B of As request and forwarded it to the bank. Once again the bank did nothing as far as I can tell. \n\nB of A is in violation of Regulation E.\n\nRegulation E Section 1005.2 ( m ) defines an unauthorized transfer as : ( m ) Unauthorized electronic fund transfer means an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. \n\nThis exactly describes the transaction that resulted in my {$5000.00} loss. It was a transfer from my account initiated by someone other than me that did not have authority to initiate the transfer and I have received no benefit from the transfer.\n\nRegulation E Section 1005.6 addresses consumer liability : 1005.6 Liability of consumer for unauthorized transfers. \n( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : 1. Application of liability provisions. There are three possible tiers of consumer liability for unauthorized EFTs depending on the situation. A consumer may be liable for : ( 1 ) up to {$50.00} ; ( 2 ) up to {$500.00} ; or ( 3 ) an unlimited amount depending on when the unauthorized EFT occurs. More than one tier may apply to a given situation because each corresponds to a different ( sometimes overlapping ) time period or set of conditions.\n\n2. Consumer negligence. Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. ( However, refer to comment 2 ( m ) -2 regarding termination of the authority of given by the consumer to another person. ) 3. Limits on liability. The extent of the consumer 's liability is determined solely by the consumer 's promptness in reporting the loss or theft of an access device. Similarly, no agreement between the consumer and an institution may impose greater liability on the consumer for an unauthorized transfer than the limits provided in Regulation E.\n\n1 ) Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution. \n\nI notified B of A on Sunday, XX/XX/2021, of the unauthorized transfer initiated on XX/XX/2021. This is less than two business days from the transaction date and on the same business day that I learned of the transaction. My loss should not exceed {$50.00} per Regulation E.\n\nB of As stated reason for denying my claim is no posting error has occurred on your account. I suppose they could say that they were simply following the transfer instructions initiated on XX/XX/2021. While this might be true, they are ignoring the fact that those instructions were fraudulent and not initiated or approved by me and not for the benefit of me or anyone connected to me. Perhaps they see this as no error but that is not the point. They processed a transaction that was fraudulent from the start, reported as fraudulent, and reported in a timely fashion per regulation E. The errors that did occur were errors committed by the bank. Their system allowed a person to access my account and initiate this transfer. And then, once notified, there is no evidence that the bank took any steps to stop or suspend the transfer or to identify the perpetrator of this fraud. It appears that the bank did nothing, abdicating their responsibility as a service provider and custodian of my account. So yes, there were errors related to this transaction, errors by the bank. \nIn reviewing CFPB complaints filed against B of A for similar accounts and transactions from XX/XX/2021 through XX/XX/2021 I find a list of 98 complaints from California customers. In reviewing the detail I see that many are virtually identical to the fact pattern of my claim. That is a claim that someone unknown to the account holder somehow initiated a transfer to another bank account. These are not isolated problems. In reading the complaints I see that the bank is often accused of treating the customer as the criminal. I feel the same way. Being a responsible professional over a long career it is insulting for the bank to accuse me of submitting a false claim. I can see that many other cardholders feel the same. I can not think of a better example of horrible customer service which results in frustration along with a significant financial loss to the customer.\n\nI believe the bank is fully aware of all these issues but is unwilling to accept responsibility for their shortcomings as far as account security to prevent fraudulent activity and then their failure to follow up when fraud is reported. I suppose to do so, to take responsibility, would be too costly and to take the low road, claiming no posting error has occurred on your account is the best response they could come up with. \n\nI request the bank reopen my claim for review. I request the {$5000.00} be returned to my account that was stolen via an unauthorized transfer on XX/XX/2021. If the bank is unwilling to return the stolen funds, as required by Regulation E, I request a full report and documentation supporting their conclusion. I specifically request information as to the identity of the recipient of the funds, which the bank should have access to, and actions taken by the bank during the week of XX/XX/2021, to investigate and stop this fraudulent transfer. \nI also ask the CFPB consider looking into B of As handling of this complaint as well as the many other similar complaints as this appears to be a recurring, systematic problem. It is your stated mission to make sure banks, lenders, and other financial institutions treat us fairly. Please do renew your commitment to that mission and make sure that B of A is treating its customers fairly.","date_sent_to_company":"2022-02-23T19:50:02.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"94559","tags":"Older American","has_narrative":true,"complaint_id":"5253426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-02-23T19:39:14.000Z","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":["B of A Fraud Claim - {$5000.00} I am once again reaching out to the <em>CFPB</em> requesting assistance on my {$5000.00} fraud claim. Bank of America continues to deny this claim with the only stated reason being no posting error has occurred. I feel strongly that B of A is in violation of Regulation E with regards to this claim and <em>possibly</em> many other similar claims."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[8.555788,"5253426"]},{"_index":"complaint-public-v1","_id":"9655550","_score":8.117971,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I was the victim of an online wire fraud in the amount of {$5800.00}. The scammers attempted to take another {$5000.00} which would have been the remainder of my finances, but Wells Fargo intervened at the SECOND wire transfer, not the first. They claim that I authorized this initial wire transfer and I did notmore on that in a moment. The initial wire of {$5800.00} left my bank account immediately. How I responded : contacted Wells Fargo immediately, spent several hours with them on the phone, reset all of my usernames and passwords for Wells Fargo and any other sensitive logins, contacted the major credit bureaus to put a flag on my SSN for any suspicious activity up to one year ( and I plan to extend after that year is up ), filed a police report ( which has been updated to reflect the current lack of resolution from Wells Fargo ), visited the nearest branch to close all existing accounts since the numbers were exposed ( for this they claimed they could not help me until the following day, which is absurd ), and contacted XXXX to have my devices scanned for key-logging and malware and any suspicious settings. XXXX did not find anything suspicious. However, on XX/XX/XXXX after my phone had been unusually silent for several days ( I am a business owner and often receive many calls in a day ), my husband did his own digging into my phone settings. He found that my call forwarding was set on to the following number : XXXX. We turned this off immediately, but it made things begin to add up as to why my phone had been quiet and possibly how someone intercepted a pin confirmation or 2-factor authorization for a wire transfer. I immediately relayed this new, pertinent information. They still claimed they could only return to me what was left in the receiving account, which on XX/XX/XXXX full days later, was {$16.00}. I do not accept this whatsoever given they are a multinational FDIC insured institution worth XXXXXXXX XXXX XXXX XXXX of which should be mine. \n\nI have been diligently following up with Wells Fargo for months now. They have \" escalated my claim '' but to no avail. The most recent communication from them I received is an email stating that they still need more time to review my case and that it can take up until XX/XX/XXXX. There should be nothing further to review. I was the victim of a felony and the institution I have entrusted my banking to since XXXX has done nothing to assist me or reimburse me. Several things : they did not begin their investigation until XX/XX/XXXX, a full day after this fraud wire took place. According to the officer I was working with after the police report was filed, all major financial institutions know that after 72 hours, the likelihood of recovering the funds is next to none. Why then would they waste an entire day when they are well aware of this fact? I have brought this up every time we have spoken to no avail. They also firmly still accuse that I replayed a pin to these criminals, and I did not. I have sent them documentation of when my phone was intercepted ( it can be seen on my XXXX  bill on XX/XX/XXXX and also seen when it was stopped when we discovered the suspicious setting ). I sent them a screenshot of my phone being forwarded to this unknown and unauthorized number. The customer service has been abysmal. Every time I reach out no one has any answers for me. I am given false promises that a supervisor will return my callmany, many times, no call has come. When they do call me back, they give me no more information than the call center people who do not say anything but canned responses. When I ask for information to contact their legal team, I am shut down. I feel helpless and hopeless and yet I will persist until the money is returned in full. It is also important to note that XXXX confirmed there are multiple ways a scammer can access your phone without physically holding it in their hand, which I have emphasized with Wells Fargo as well. There is extreme negligence at play here. I have : Filed a police report. \nFiled an amended police report. \nFiled with Attorney General. \nFiled with Comptroller of the Currency. \nFiled with the FBI. \nFiled with CFPB. \nReported to the Federal Trade Commission ( XXXX XXXX XXXX  ) Filed with the FDIC XXXX XXXX XXXX XXXX XXXX The FDIC said this was a case for the CFPB, which you know I have already filed with. I had no way of responding to the FDIC on this decision to let them know I had already tried this avenue. Even so, I am here trying again. \nI have also tried seeking legal assistance and have not yet found anyone available to take my case aside from one attorney who would essentially be paid nearly the entirely of what I lost, so it's hard to justify that from my current position.","date_sent_to_company":"2024-07-30T21:23:08.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"80503","tags":null,"has_narrative":true,"complaint_id":"9655550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-07-30T21:18:31.000Z","state":"CO","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":["However, on XX/XX/XXXX after my phone had been unusually silent for several days ( I am a <em>business</em> owner and often receive many calls in a day ), my husband did his own digging into my phone settings. He found that my call forwarding was set on to the following number : XXXX. We turned this off immediately, but it made things begin to add up as to why my phone had been quiet and <em>possibly</em> how someone intercepted a pin confirmation or 2-factor authorization for a wire transfer."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[8.117971,"9655550"]},{"_index":"complaint-public-v1","_id":"8078765","_score":7.830578,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against Rausch Sturm LLP for criminal conduct regarding barred lawsuit XXXX XXXX  reference XXXX presented now in multiple filings PART 1 of 5 SUPPLEMENT - XXXX  Demand for Arbitration - Consumer Arbitration Rules IN-PERSON hearings requested requiring all parties to appear Consumer : XXXX XXXX XXXX XXXX ) ( Claimant ) Business : XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX Lawsuit # XXXX INITIAL STATEMENT - XXXX CRIMINAL CONDUCT XXXX  has acknowledge that it received a CEASE and DESIST Notice on XX/XX/XXXX via XXXX CFPB Complaints and marked all XXXX accounts as Red Flagged to prohibit ALL Communication. At the request of XXXX, XXXX typed starting in XX/XX/XXXX and filed XXXX XXXX Consumer demands in early XX/XX/XXXX including XXXX case # XXXX for the XXXX  credit card account # XXXX listed above subjecting the entire dispute to the exclusive jurisdiction of XXXX pursuant to the attached arbitration agreement. Subsequent to the filing of the XXXX case, XXXX, by its lawfirm RAUSCH STURM LLP ( Rausch ), sent an invalid Debt Validation Notice for account # XXXX which XXXX complained in multiple CFPB complaints to XXXX and Rausch that the Notice violated the Cease and Desist Notices of XX/XX/XXXX and all disputes were pending in previously filed XXXX  binding arbitration cases. After XXXX filed extensive Discovery related pleadings for the XXXX active XXXX  cases on or about XX/XX/XXXX, XXXX counsel became frustrated and Rausch was retained and filed a prohibited lawsuit for solely account # XXXX against XXXX in Orlando Florida state court on XX/XX/XXXX knowing that XXXX had exclusive jurisdiction over the dispute for over XXXX months as XXXX counsel XXXX XXXX had filed Appearances, Answers, Affirmative Defenses and submitted relief regarding all account including # XXXX. This new XXXX case includes the egregious retaliatory conspiratory criminal conduct of XXXX, Rausch, XXXX XXXX, XXXX and others as set forth in the next XXXX pages. After XXXX complained to his XXXX Manager that XXXX  had filed XXXX other lawsuits on XX/XX/XXXX, rather than withdraw the XXXX lawsuits before the XX/XX/XXXX deadline required by the XXXX Manager, XXXX  escalated its RICO conduct by filing a XXXX  retaliatory state court lawsuit on XX/XX/XXXX by Rausch for account # XXXX. As written by the quotes of XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Never interupt your enemy when he is making a mistake and the opportunity of defeating the enemy is provided by the enemy himself. XXXX  retaliatory and criminal MISTAKES are FATAL and can not be overcome. SURRENDER by settlement is XXXX only realistic option to avoid never ending costly matters, including Florida Bar disciplinary matters. This matter has been escalated to XXXX Executive Vice-President, General Counsel and Secretary who is expected to deal with all matters to do what is right. \n\nXXXX  BINDING ARBITRATION AGREEMENT XXXX  attached Arbitration Agreement and Arbitration Provisions, written by XXXX, are contained in XXXX Cardmember Agreement. ( SEE EXHIBIT, attached hereto ). Consumer-Claimant-XXXX  files for Arbitration with the XXXX  pursuant to this Arbitration Agreement seeking IN-PERSON Hearings in XXXX, Florida. XXXX has been unable to obtain this Agreement directly from XXXX  despite multiple demands in writing directly to XXXX  via the Consumer Financial Protection Board ( CFPB ) Complaint portal despite the CFPB websites statement : Under federal law, your credit card issuer is required to provide a copy of your agreement upon request. Despite XXXX refusal of its obligation to provide XXXX with its credit card and arbitration agreements, XXXX filed its exact credit card and Arbitration provisions in the CFPB data base regarding agreements with XXXX as required by law. The source of XXXX  attached arbitration agreement is therefore from the CFPB data base in its online portal. It must be noted that XXXX was required to file all its arbitration agreements with the XXXX by certifying them as registered arbitration agreements and included in XXXX website ( XXXX  ). However, such agreement may not be the enforceable valid agreement filed with the CFPB but may be a fraudulent and poorly written and MATERIALLY inaccurate attempt to rewrite the true provisions to confuse and provide the consumers less than the true agreement by paraphrasing the valid agreement in question and answer form, MATERIALLY inconsistent with the one and only true agreement attached hereto. XXXX recommends that the XXXX promptly delete all of XXXX  MATERIALLY inaccurate, conflicting and inconsistent registered arbitration agreements, if any, and replace it with the valid standard one presented by XXXX herein and included in the CFPB website, of course, charging XXXX  with the appropriate fees to delete and amend the registered agreement. The only value of any XXXX purported arbitration agreement filed with XXXX is that it acknowledges that an arbitration agreement exists to allow this arbitration filing to proceed. XXXX simply, the XXXX and Arbitrator should not consider the XXXX arbitration agreement on file with the XXXX, if any, and it should be stricken from XXXX website as fraudulent, if inaccurate and intentionally frivolous, if conflicts exist. In the landmark Florida Supreme Court of Florida case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  decided XX/XX/XXXX CONCLUSION. We hold that, because XXXX Terms of Service incorporated by reference the XXXX Rules that expressly delegate arbitrability determinations to an arbitrator, the agreement clearly and unmistakably evidences the parties intent to empower an arbitrator, rather than a court, to resolve questions of arbitrability. Since XXXX  arbitration agreement, under identical sets of facts and law, empowers XXXX Arbitrator, not a court, judge or anyone else to rule on arbitrability on his or her own jurisdiction, the XXXX should promptly allow the parties to advance and select a mutually acceptable arbitrator in the XXXX Florida area to proceed with Arbitration. XXXX can not dispute the authenticity of the attached arbitration provisions as it has been incorporated in the public records of existing Florida state court lawsuits. More importantly, for this XXXX account, it has acknowledged the provision and accepted exclusive jurisdiction with the XXXX by filing in other XXXX cases Answers and Affirmative Defenses reserving the right to file counterclaims. Thus, there can be no objection to the jurisdiction of XXXX based on the attached arbitration provisions agreed to as binding by XXXX. Furthermore, in responses to CFPB complaints included herein under Claim # XXXX, XXXX wrote that XXXX should file XXXX demands for arbitration pursuant to the arbitration provisions which it acknowledged are valid and enforceable. \n\nClaimant, Consumer, XXXX, elects, selects, chooses and seeks IN-PERSON HEARINGS in XXXX Florida in this Individual Single Consumer Case providing a Filing Fee of {$220.00} which must be paid by XXXX  as the Arbitration Agreement states : RESOLVING A DISPUTE WITH ARBITRATION DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT : ( 1 ) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you and us This Arbitration section broadly covers claims, including counterclaims Arbitration may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered. any dispute that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.The party who wants to arbitrate must notify the other party in writingThe party seeking arbitration must select either XXXX or XXXXto administer the arbitrationThe arbitrator must apply the same law, consistent with the Federal Arbitration Act ( FAA ), that would apply to an individual action in courtThe arbitrator will apply the same statutes of limitations and privileges that a court would apply if the matter were pending in court. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without limitation, punitive damages and injunctive, equitable and declaratory relief The parties will bear the fees and costs of their attorneys, witnesses and experts. The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges if you can not obtain a waiver of fees from the administrator and are acting in good faith. We will pay arbitration costs required by the administrators rules or that are necessary for this Arbitration section to be enforced This Arbitration section is governed by the FAA. \n\nXXXX selects, elects, demands and chooses XXXX for arbitration for the dispute with XXXX. XXXX agreed to pay 100 % of all arbitration and filing fees so all fees are required to be paid by XXXX and all billing should be sent to and paid by XXXX  without payment of any kind from XXXX who is unable to pay anything anyway and will be filing a FEE WAIVER by mail to XXXX XXXX, RI mailing address within XXXX  days of filing a Demand for Arbitration under Consumer Arbitration Rules. \n\nXXXX Consumer Arbitration Rules - Costs of Arbitration - Amended and Effective XX/XX/XXXX ( Costs ) states : Single Consumer Case Filing : In cases before a single arbitrator where the individual is the Claimant, a non-refundable** filing fee, capped in the amount of {$220.00}, is payable in full by the individual when a case is filed unless the parties agreement provides that the individual pays less. A non-refundable filing fee in the amount of {$370.00} is payable by the business once the individual claimant meets the filing requirements, unless the parties agreement provides that the business pay more. \n\nXXXX must pay any arbitration fees since XXXX agreed that If you ask, we will pay all the fees the administrator or arbitrator charges if you can not obtain a waiver of fees from the administrator and are acting in good faith. We will pay arbitration costs required by the administrators rules or that are necessary for this Arbitration section to be enforced, XXXX asks that XXXX pay all fees if XXXX can not obtain a waiver of fees. XXXX has demanded that XXXX file for arbitration but it has refused. If XXXX had filed for arbitration as demanded, it would have been required by XXXX rules to pay 100 % of all fees with the consumer to pay {$0.00}. XXXX failure to file can not force and shift liability to XXXX to pay fees that were required by XXXX to pay to XXXX. XXXX agreed to pay more than the {$370.00} filing fee for the business by also paying the {$220.00} filing fee of consumer XXXX as XXXX is further unable to pay anything and requires XXXX to pay all fees. Thus, pursuant to XXXX Rules on Costs, requiring XXXX to pay less or {$0.00}, XXXX  must pay and be billed for the {$370.00} business filing fee plus the {$220.00} Consumer filing fee or {$600.00} with XXXX required to pay {$0.00}. Thus, an XXXX Case Number for this filing should be assigned upon receipt of this filing as the full {$600.00} filing fees will be required to be paid by XXXX pursuant to its agreement to pay all fees including XXXX fees. The XXXX and the parties will not be prejudiced as a Case Number will be necessary anyway to credit payment from XXXX. Since the XXXX will not move forward until it receives the full {$600.00} and other fee payments required from XXXX, delaying ministerial assignment of an XXXX Case Number will not prejudice the XXXX as a Case Number will be necessary anyway to bill and credit payment from XXXX. Thus, it is in the best interest of the XXXX to promptly assign a Case Number for payment, billing and communication purposes. XXXX also submits details of his claims against XXXX so that the XXXX can calculate an initial estimate of the arbitrators costs regarding this dispute which will require XXXX full days of an IN-PERSON hearings in XXXX. Most of XXXX Discovery Requests will involve computerized credit card data in the possession of XXXX which it reported to credit reporting agencies about XXXX XXXX account so XXXX should be simple unless XXXX  refuses to report damaging needed data. XXXX expects extensive discovery issues caused by XXXX so the XXXX should take this into consideration when requesting payment from XXXX. XXXX expects a need for Discovery from credit reporting agencies XXXX, XXXX and XXXX XXXX about XXXX XXXX  account so the XXXX should keep this in mind when estimating fees to be ultimately paid by XXXX. A great amount of effort has been expended in the preparation of this multi-page filing to assist the reader and arbitrator in ascertaining a clear picture of the entire dispute and the type of simple Discovery required to prepare statements of undisputed material facts for IN-PERSON hearings.\n\nBriefly explain the dispute ( attachment & supplement to item # 2 of Demand ) : This Demand For Arbitration under the Consumer Arbitration Rules arises under, inter alia, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1961-1968 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x ; the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes ( FS ) Sections 559.55-559.785, and Floridas Extortion Statute Section 836.05 to obtain monetary civil and criminal related liabilities and penalties, statutory damages, punitive damages, extinguishment and forfeiture of disputed and UNLAWFUL debts, actual damages and attorneys fees and costs, permanent injunctive relief, and other equitable relief for XXXX  violations of RICO ( which imposes severe penalties for intentional criminal conduct constituting a pattern of Racketeering activity dealing with unlawful activities ), the FCRA, ( which imposes duties upon consumer reporting agencies and those who furnish information to a consumer reporting agency ( CRA ) or use information obtained from a CRA ), the FDCPA, 15 U.S.C. 1692-1692p, ( which imposes duties upon debt collectors ), the FCCPA ( which prohibits 19 practices set forth in FS 559.72 ), Floridas Extortion Statute Section 836.05 ( which imposes {$10000.00} fines and imprisonment ) and other repetitive extreme, outrageous, severe, reckless, illegal, unconscionable conduct and abuse of power, frauds on the Courts beyond bounds of decency intended, by licensed attorneys of the Florida Bar , to severely damage XXXX, a vulnerable XXXX XXXX XXXX Elder by the obvious resulting damage caused by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lasting over XXXX  months. \n\nFurther detailed explanation of the dispute with XXXX Claims including Statement of the Facts and Case with incorported Memorandum of Law : XXXX  has liability to XXXX under 15 U.S.C. 1681o which states : Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subsection with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court XXXX has liability to XXXX under 15 U.S.C. 1681n which states : Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subsection with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} which ever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) CIVIL LIABILITY FOR KNOWING NONCOMPLIANCE Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. \nXXXX has liability to XXXX under 15 U.S.C. 1681q which states : Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title18, imprisoned for not more than XXXX years, or both. \nXXXX has liability to XXXX under 15 U.S.C. 1692k - Civil liability further states in relevant part : ( a ) AMOUNT OF DAMAGES Except as otherwise provided by the section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court XXXX  willfully violated 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information by ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors to XXXX, XXXX and XXXX XXXX despite the prohibition and ( B ) Reporting information after notice and confirmation of errors..that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \nXXXX also willfully violated 15 U.S.C. 1681s-2 ( a ) ( 2 ) Duty to Correct and Update Information of Furnishers of Information as it ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate and did not promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. \nXXXX has liability under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1961-1968, which imposes severe penalties for its deliberate known criminal conduct constituting a pattern of Racketeering activity dealing with unlawful activities. \nXXXX  has liability under Floridas Consumer Collection Practices Act ( FCCPA ) for violations of many of the 19 prohibited practices subsections of FS 599.72. \nXXXX has liability under Floridas Extortion Statute Section 836.05 for {$10000.00} per violation. \nXXXX  has liability for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Known With Substantial Certainty to cause severe harm to XXXX by licensed attorneys who knew better. \n\nADDITIONAL OVERVIEW OF THIS XXXX  CASE For almost a year, XXXX has been disputing, via CFPB complaints, XXXX XXXX  credit card accounts with XXXX directly and separately with the major credit reporting agencies ( CRAs ) who forwarded disputes to XXXX  for investigation and response. However, despite such multiple and repeated disputes filed with the CFPB, XXXX and every CRA has willfully and maliciously failed to permanently mark the accounts as disputed on credit reports and failed to meet its obligations under federal and state law. On XX/XX/XXXX, XXXX filed a CEASE and DESIST notice with the CFPB whereby XXXX  was served via the portal on XX/XX/XXXX and required to immediately STOP all communications of any kind, both direct and indirect. XXXX  wrote the CFPB in early XXXX acknowledging the CEASE and DESIST notice and obligations recommending that XXXX file arbitration cases with the XXXX pursuant to the arbitration provisions with XXXX  to adjudicate existing disputes in the XXXX forum pursuant to the arbitration provisions. However, despite the CEASE and DESIST notices, XXXX, more than XXXX  days thereafter, maliciously and illegally referred its files to XXXX law firms ( on XX/XX/XXXX ) sending prohibited and aggressive Debt Validation Notices to XXXX received in XX/XX/XXXX and in the instant case for account XXXX, AFTER XXXX filed XXXX Arbitration cases including account # XXXX under XXXX case XXXX. In early XX/XX/XXXX, at the recommendation of XXXX, XXXX filed XXXX detailed XXXX page Arbitration cases with XXXX  which XXXX  accepted jurisdiction, filed Notices of Appearances by counsel, Answered the cases, paid filing fees and filed Answers and Affirmative Defenses subjecting the disputes to the exclusive jurisdiction of the XXXX  pursuant to the arbitration provisions. XXXX counsel became frustrated and rather than file a one sentence counterclaim in each of the XXXX XXXX cases, she orchestrated a criminal plan by deliberately arranging the filing of XXXX identical barred state court lawsuits, XXXX on XX/XX/XXXX and a XXXX  on XX/XX/XXXX for identical cases pending for XXXX months in XXXX arbitration cases with XXXX separate law firms being assigned to XXXX separate state court judges. This new XXXX arbitration demand and claims deal with extensive and ongoing repeated illegal retaliatory fraudulent and criminal actions by XXXX  and its lawyers for illegal actions AFTER the filing of the XX/XX/XXXX CEASE and DESIST notices and AFTER the early filing of XXXX XXXX cases in early XX/XX/XXXX before sending Rauschs Debt Validation Notice. Much of the illegal conduct is evidenced by CFPB Complaints served upon XXXX and its counsel, including Rausch, some of which are included in part hereinafter. There is so much illegal conduct by XXXX for the last XXXX  months that is difficult to present the facts chronologically so many of the CFPB communications will be presented in Claim # XXXX to give the reader a prospective for understanding all past claims including subsequent claims. While this NEW XXXX case is totally different from the pending XXXX XXXX cases against XXXX, XXXX re-alleges the previously filed XXXX cases as if specifically set forth at length herein so that a reader may fully understand the entire complex dispute with XXXX  which XXXX  has escalated with repeated criminal extortionate RICO activity known to be outrageous, especially by licensed attorneys. In a nutshell, while it may appear that XXXX left hand does not know what its right hand is doing, in reality, XXXX knew exactly what it had planned and executed with its conduct which, at a minimum, was fraudulent and extortionate. After XXXX complained on XX/XX/XXXX to XXXX counsel XXXX XXXX and his XXXX  Manager about the XX/XX/XXXX XXXX state court lawsuits, XXXX  in spite of XXXX exclusive jurisdiction escalated matters by retaliating in a conspiracy and filing a third state court lawsuit on XX/XX/XXXX by Rausch knowing it was prohibited. XXXX knows its actions are illegal but it refuses to comply with its statutory obligations. Any one of XXXX allegations is sufficient to justify a huge award against XXXX in favor of XXXX. In combination, the repeated malicious and retaliatory actions of XXXX mandates such a sizeable award to punish XXXX to prevent further illegal actions. To prevent a vexatious multiplicity of proceedings by XXXX  in multiple state and federal courts, XXXX has written to XXXX  Executive-Vice Present, General Counsel and Secretary, XXXX XXXX , but no response has been received except an attempt to conceal the unethical conduct.\n\nCLAIM # 1 - Statement of the Facts and Law and Relief Requested Claimant, XXXX, is an individual who is a citizen of the State of Florida residing at all relevant times in XXXX XXXX, Florida. XXXX is a consumer as defined by 15 U.S.C. 1692a ( 3 ). On information and belief, XXXX  debt collector and law firm, XXXX XXXX XXXX XXXX XXXX ( XXXX ), is a Florida Limited Liability Company and Law Firm with a principal place of business in XXXX XXXX, Florida with offices at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, Florida XXXX. On information and belief, XXXX  additional debt collector and law firm, Rausch Sturm LLP ( Rausch ) is a Nationwide Limited Liability Company and citizen of every state in which it operates with a principal place of business at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX and a Florida address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Florida XXXX. Rausch and XXXX are regularly engaged, for profit, in the collection of debts allegedly owed by consumers to creditors, such as XXXX. Rausch and XXXX are each a debt collector as defined by 15 U.S.C. 1692a ( 6 ). XXXX continues to falsely allege that XXXX owes a debt ( the Debt ) to XXXX which XXXX has disputed. XXXX filed multiple CEASE and DESIST demands to XXXX  on and after XX/XX/XXXX pursuant to multiple repeated written Complaints filed with the Consumer Financial Protection Board ( CFPB ), acknowledged by XXXX  and XXXX  attorneys and debt collectors, Rausch and XXXX, in CFPB responses. The Debt was primarily for personal, family or household purposes and is therefore a debt as defined by 15 U.S.C. 1692a ( 5 ). Sometime after the purported incurrence of the entirely disputed Debt, XXXX disputed the Debt due to willful and intentional violations of the FCRA, FDCPA and other statutes which are documented herein and in detail in pending XXXX  cases and numerous CFPB Complaints. XXXX took absolutely no action to correct the deliberate violations of law despite repeated notices from CFPB, XXXX, XXXX and XXXX XXXX. Thereafter, at an exact time known only to XXXX, Rausch and XXXX, the Debt was assigned or otherwise transferred by XXXX  to Rausch and/or XXXX for collection which XXXX claimed was on XX/XX/XXXX in responses to CFPB complaints. In its efforts to unlawfully collect the disputed debt containing a known and acknowledged CEASE and DESIST notice for ALL COMMUNICATIONS, Rausch, at the direction of XXXX, contacted XXXX by letter ( the Letter ) dated XX/XX/XXXX. The Letter was in an envelope postmarked and received after XX/XX/XXXX ( WEEKS AFTER XXXX FILED HIS XXXX CASE for account XXXX ) in an unsealed envelope believed sent by an unauthorized third party mailing service unauthorized to receive sensitive confidential personal data about XXXX in further violation of the FDCPA and state related statutes designed to protect sensitive data from being released to unauthorized parties. The Letter, barred by the CEASE and DESIST notice of XX/XX/XXXX, was the initial communication XXXX received from XXXX  debt collector Rausch as stated in the Letter regarding account # XXXX. The Letter is a communication as defined by 15 U.S.C. 1692a ( 2 ). 15 U.S.C. 1692e prohibits a debt collector form using any false, deceptive, or misleading representations in connection with the collection of any debt. The question of whether a collection letter is deceptive is determined from the perspective of the least sophisticated consumer. 15 U.S.C. 1692e ( 3 ) prohibits a debt collector from using the false representation or implication that any individual is an attorney or that any communication is from an attorney. The Letter is on the letterhead of XXXX debt collector, Rausch, a law firm. The Letter states, www. rauschsturm. comRausch Sturm LLP is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX Call or write to us by XX/XX/XXXX, to dispute all or part of the debt If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt Go to www. cfpb to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you The Letters non-existent signature block implies it was sent by Rausch Sturm LLP but is unsigned as it was obviously or possibly sent by an unauthorized mailing service or ROBO FILER where XXXX sensitive personal data was released. The Letter identifies Rausch as a debt collector. Rausch was acting as a debt collector, as defined by the FDCPA, concerning XXXX  alleged yet disputed debt despite known red flags in the file containing XXXX XX/XX/XXXX CEASE and DESIST notices barring any further communication of any kind including the XX/XX/XXXX notice of Rausch. The FDCPA and related statutes prohibit a debt collector from sending a letter, such as the subject Letter herein, if such letter misleads the consumer regarding meaningful attorney involvement in the debt collection process. A letter, such as the subject Letter herein, does not mislead a consumer regarding meaningful attorney involvement in the debt collection process so long as that letter includes a disclaimer, such as the following : At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. The Letter contains no such disclaimer. Because the Letter states that it is from a law firm, and because the Letter contains no disclaimer as to meaningful attorney involvement, the least sophisticated consumer would likely believe that one or more attorneys have been personally involved in the day-to-day collection of XXXX debt. The least sophisticated consumer would likely be deceived by Rauschs conduct especially in light of the CEASE and DESIST notices red flagged by XXXX  on XX/XX/XXXX as acknowledged by XXXX  in responses it sent to the CFPB documented herein. The least sophisticated consumer would likely be deceived in a material way by Rauschs conduct especially in light of the CEASE and DESIST notices specifically acknowledged by XXXX. The least sophisticated consumer would likely be deceived into believing that an attorney had meaningful involvement in the collection of the alleged debt especially since CEASE and DESIST notices had been red flagged on XX/XX/XXXX in XXXX system available to even ROBO FILERS such as Rausch after the required investigation from XX/XX/XXXX to XX/XX/XXXX. XXXX, by its actions referring the matter to a debt collector and the actions of its debt collector agent Rausch, has violated 15 U.S.C. 1692e by using a false, deceptive, and misleading representation in its attempt to collect the disputed debt containing known CEASE and DESIST notices.","date_sent_to_company":"2023-12-29T11:16:14.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8078765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rausch Sturm LLP","date_received":"2023-12-29T10:58:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["ADDITIONAL OVERVIEW OF THIS XXXX  CASE For almost a year, XXXX has been disputing, via <em>CFPB</em> complaints, XXXX XXXX  credit card accounts with XXXX directly and separately with the major credit reporting agencies ( CRAs ) who forwarded disputes to XXXX  for <em>investigation</em> and response."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[7.830578,"8078765"]},{"_index":"complaint-public-v1","_id":"8758170","_score":7.757642,"_source":{"product":"Mortgage","complaint_what_happened":"My name is XXXX XXXX XXXX. I am the administrator to the XXXX XXXX XXXX XXXX XXXX which is doing business with a corporation known as Fay Servicing LLC. FAY SERVICING LLC is falsely billing me with the words \" Recoverable Corporate Advances ''. I live in the State of Florida. They have been found to be misrepresenting the facts and practicing unfair business in two state cases ... ... XXXX vs Fay Servicing LLC and XXXX vs. Fay Servicing LLC. \n\nYour Board also has full knowledge of these exploits as you had an entire department investigating them... here.\n\nCFPB ATTN.OCFO Fay Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dates of issue XXXX - Current I paid them off in full from their payoff statement on XX/XX/XXXX. They returned the money 2 days later. On the night they were paid in full they called circumventing the attorney and ultimately demanding another {$18000.00}. A round number. They are trying to foreclose on my house later this month showing they want the house not the money. They also sent a monthly payment stub approximately {$90000.00} higher. Their billing is either incompetent or intentional. \n\nExtensive additional information. \n\nWell, this corporation didn't listen to you and they're flaunting it. They're trying to take my home based on the same things they did then and this continuing till XX/XX/XXXX. I will provide you with the signed contract. My affidavit of fact and the criminal content of the bills, which they are still doing in the exact same words that you told them to stop doing and through Tacitus procanaria, they remain silent. When faced with these charges and thus admit it as any allegation that stands unrebutted stands. As fact so the fact is, they're continuing. With criminal behavior. \n\nHere are some of the violations. They are continuing with besides the Recoverable Corporate Advances false language. : 1. S.s. 2605 of RESPA Governs the servicing of mortgage loans and administration of escrow accounts.\n\n2605 ( k ) Implicates regulation X by providing : \" ( A ) servicer Are they federally related mortgage Shall not fail to comply with any other obligation found by. The consumer financial bureau of protection. By regulation to be appropriate to. Carry on the consumer protection purposes of this chapter '' ( see 12 USC 2605 ( K ) ( 1 ) ( b ) Regulation X clearly states That disclosures Must be clear and conspicuous in writing and in a form that the recipient may keep '' 12 usc 1024.32 ( a ) ( 1 ) Upon a borrower 's request for information. R f I relating to the servicing of the loan, 1024. 36 requires services to respond by : ( i ) providing the borrower with the requested info and contact information including a telephone number for further assistance in writing .... \n\n( ii ) Conduct a reasonable search for the requested info and providing the borrower with written notification That states that the servicer has determined that the requested information is not available to the service or provides the basis that is. The determination of the servicer and provides contact info including a telephone number for further assistance ''. \n\nFay has complied with none of the above. But they have threatened me to pay the bill or face losing my home.\n\nFAY has also violated this .... \n\n12 CFR 1024.36 ( d ) ( 1 ) ( i ) ( ii ) And 1024.38 .....\n\n( 1 ) Accessing and providing timely and accurate info to a bar or as required by this support or applicable law .... \n\n\" Recoverable Corporate Advances \" violates this as Facia evidence. \n\n( iii ) Provide a borrower with accurate and timely information and documents in response to the borrower. Request for information with respect to the borrower 's mortgage loan. '' \" Recoverable Corporate Advances '' violates this. If a loan servicer violates 2605 an aggrieved party may recover any actual damages. The borrower has been inflicted as a result of the failure and the any additional statutory damages as the court may allow. \n\n12 USC 2605 ( f ) ( 1 ) Faye has been sanctioned for these in the following violations of regulation x and respond the consumer financial Board also Found Fay and violations of RESPA including 2601 and Regulation X 12 CFR part 1024. \n\nFaye has once again with me. Repeated the prohibited foreclosure action against borrowers and violation of 12 CFR 1024.41 ( g ).\n\n12 CFR 1024.38 ( a ) and ( b ) ( 1 ) ( v ) with no timely acknowledgement.\n\n12 CFR 1024.38 ( a ) and ( b ) ( 1 ) ( v ) no notice The service failed to state in the acknowledgment notices a need for additional documentation. Documents and information from borrowers to make their loss mediation correct ... .Fay violated that ... .12 CFR 1024.41 ( b ) ( 2 ) ( i ) ( b ) Regulation x requires so. Services to have procedures and policies in place reasonably designed and constructed to ensure. The service of this can submit documents or filings required. 48 foreclosure process including documents and filings ... ... required by a court of a competent jurisdiction that reflects accurate and current information and that comply with applicable law .... Fay Servicing LLC did not do that. \n\nYour board also found fault recently with another scheme. That they're still practicing on me ... .... The unjust civil lawsuit using these false billings. As a pretext which Faye was found guilty of very recently by your board in the lack of acknowledgments and notices to borrowers like the XXXX XXXX  XXXX XXXX, which I am a victim of which is an unsubstantiated and false lawsuit in civil court at this very moment. Fay Servicing LLC is still taking the same unjust actions. This consist of unlawful bills after being told to cease from continuing in order to seize my property falsely. \n\nPreviously, your board acknowledged that borrowers Who have not received fair treatment from Faye are entitled to damages from concrete injury ... ..... According to your board, < 2 years ago. \n\nI have met. \n\nThe following criteria. That the board had previously said was damages and a need of being compensated ..... \n\n1. ) No evaluation notice 2. ) No Acknowledgement notice. 3. ) Notification to borrower th\nat Faye must not take foreclosure actions against the affected consumer during the outreach and solicitation process of the consumer upon being served with the evaluation and acknowledge notice. Borrower may submit a lost mitigation report in response to Fays solicitation within 60 days, and Fay must not take any foreclosure actions against the affected consumer till then. During the last mitigation process, Faye also was ordered to develop and implement policy and procedures that ensure borrowers are appropriately protected from prohibited foreclosure events in accord with ... ..12 CFR 1024.41 ( f ) ( 2 ) and ( g ).\n\nFurthermore, They have been found guilty in court on these same things in the State of Florida for the same issues that they're trying to employ on me now. See XXXX vs. FAY SERVICING LLC and XXXX vs FAY SERVICING LLC. They were told to stop using false language like the Recoverable Corporate Advances which is what they're trying to use to take my home. \n\nThey have also broken the FDCPA 's Bonafede defense clause .... \n\nA borrower 's RIGHT to discover a loan servicer 's risk coverage. Reports, as possibly relevant to the fair debt collection practices act Bonafede error defense.. \n\nThis is also an article three violation of my constitutional rights according to XXXX vs FAY SERVICING LLC and XXXX vs. XXXX. \n\nI am asking that your file be recovered that dealt with them to see if they have corrected their mistakes ... .file # 2017-CFPB -0014 In the matter of Fay Servicing consent order .\n\nI would also like to point out that they breached the contract precedent Based on \" '' Recoverable Corporate Advances \" XXXX vs. FAY SERVICING LLC ( XXXX AND XXXX ) This was based on the overstepping of charges ... ..also reference : XXXX XXXX  XXXX XXXX XXXX ( s.S.40.06 ) Right now they have put false testimony into a civil case against me, which is being upheld with hearsay and false data from the bill .... Recoverable, Corporate Advances. \n\nA complaint survives a motion to dismiss if it states a claim to relieve that is plausible on its face. In other words if it's factual allegations allow a court to draw a reasonable inference that the defendant is liable for the misconduct alleged .... \n\nFaye has full knowledge of what they're doing because they were told to stop so beginning middle and end of story. They're still using this false language to try to take my home through deception and unfair business practices and I demand that it stop and I'm willing and eager to file criminal charges along with a civil complaint. I will include a affidavit of fact to back up my claims through proof of claim and take the appropriate civil and criminal counter action and consumer action to enact a criminal charge and hold them accountable as they know exactly what they do because they were told to cease and desist but have refused to do so. \n\nFDCPA Provision. \n\nProhibit a person from making false or misleading statements or misrepresentations in connection with the collection of any debt and from using unfair or unconscionable means of debt collection ... .15 usc 1692 ( e ) ( f ). \n\nThey have notably violated this as they were told to stop doing it before. Our XXXX circuit court has recently ruled on a case regarding Fay Servicing ... XXXX  vs. FAY SERVICING LLC. In this case, the court determined that TILA encourages lenders to give borrowers info about their loan information. That is useful only if it is accurate and fair. As the f DCP a requires conversely, when services use periodic statements to collect the debt, they can be held liable for any damages and any misleading or unconscionable representation. They make in those statements .... ''. \n\nI am the owner and administrator of the XXXX XXXX XXXX and not relying on risk or information injuries to confer standing .... \n\nRather as Administrator for the XXXX XXXX XXXX Im attempting to abide by law in an attempt to settle all valid evidence-based debts and accounts. The XXXX XXXX XXXX alleges that Fay and their associates collective efforts cause injury. Such injuries can be concrete as identified by Congress as a legally cognizable harm reference : XXXX  ( XXXX XXXX XXXX at XXXX ) That is what Congress did in the FDCPA and which action Florida much like The Consumer Financial Protection Board supported. \n\nThe statue allows individuals to recover. Any actual damages sustained because of a violation of 15 USC 1692 ( k ) ( 9 ) ( XXXX ) .... And actual damages under f d c p a include damages for emotional distress ... .reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX ) .... Not ironically, the XXXX circuit. Court, which reprimanded Fay in several cases, made the determination in this matter. \n\nI XXXX XXXX XXXX also state emotional harm which gives me article XXXX standing in the XXXX  Vs. Fay Servicing LLC also. \n\n\" Congress often requires companies follow overlapping rules and courts can not then ignore those rules. Instead, they must give effect to each one because the 2 statutes here, both federal and state in fact, work together. We hold that face servicing must comply with both TILA AND FDCPA STATE LAW .... '' Lastly... I would like to post the following contract violations over and above the long list of previous violations. \n\n1. ) # 14 ON CONTRACT .... Loan charges .... \" A lender must not charge fees that are expressly prohibited by the security instrument or by applicable law '' They did that exactly by violating TILA 15 USC 1692 ( E ) AND ( F ) 2 ) LETTER \" O '' ... .RESPA ... AND REG X 3. LINE \" D '' SUCCESSOR : \" Any party who has taken Title to The property, whether or not the party has assumed borrowers obligations. '' I XXXX XXXX am both the holder and administrator through holding a quiet title and administrator of the trust for the XXXX XXXX XXXX ... his mother and borrower. \n\nI wish to follow this up by submitting the affidavit of fact. And cooperating with the federal government and a full investigation of which. I will produce direct evidence as well. \n\nThank you for your time and look forward to hearing from you in the near future .... \n\nXXXX XXXX XXXX, Consumer and Administrator to the XXXX XXXX XXXX XXXX XXXX, an entity doing business with Fay Servicing LLC, A corporation licensed to do business In the state of Florida.","date_sent_to_company":"2024-04-12T12:32:25.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"33487","tags":"Older American","has_narrative":true,"complaint_id":"8758170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2024-04-12T12:06:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["They're still using this false language to try to take my home through deception and unfair <em>business</em> practices and I demand that it stop and I'm willing and eager to file <em>criminal</em> charges along with a civil complaint."]},"sort":[7.757642,"8758170"]},{"_index":"complaint-public-v1","_id":"17719015","_score":7.64856,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Hello, I recently started a claim with you, the CFPB back in XXXX  of XXXX, the claim ID is XXXX. You guys sent that complaint to the federal reserve of XXXX for them to investigate due to me believing that I was wronged by the bank. However, during that investigation the Federal reserve XXXX  XXXX XXXX found that I was a victim of fraud. However, it was not only the bank that committed the fraud against me. The XXXX dealership actually committed the fraud against me. Myself and the federal reserve noticed during their interview with me in XXXX of XXXX. The Vice President of XXXX XXXX XXXX  wrote a letter attempting to explain how they are so innocent and did nothing wrong, but within that letter she incriminated herself and the dealership. She stated that I, XXXX XXXX submitted an application to XXXX XXXX XXXX  stating my income was {$3600.00} per month and she claimed to have my initials and signature on the application too. She actually mailed myself, and the federal reserve bank copies of the actual application. However, on that application everyone whom looked will clearly see that I signed and initialed my income of much lower than {$3600.00}. In fact my income at the time was only {$1100.00} each month from XXXX. However, due to the 125 % markup we were allowed, my income that I signed to was {$1600.00} per month. Apparently, I was informed that the dealership submitted my application electronically and that is when thy committed the fraud. It is a very long story and I have it typed out in detail in a PDF that I will upload. However, it will be the exact writing that I submitted to you guys back in XXXX of XXXX with the following ID XXXX. I will upload this PDF so you can understand exactly what happened to me and not get confused when I start this complaint after that one ended, but please keep in mind that they do go together like one big story and if you read that PDF first and then this, everything will make more sense. I will also upload the letter from XXXX XXXX XXXX  that i spoke about from the Vice President, a copy of the Demand Letter that was sent to Crystal Motor XXXX in an attempt to make things right. Once you investigate this case you will see that I was wronged and I am entitled to a whole lot of retribution and I do need your assistance, please. You will see that the car dealership took advantage of my XXXX. I informed the dealership that my income came from XXXX and at the time I was on so much pain, and anxiety medicine that I should not have been attempting to negotiate any type of contract. I was literally nodding off while at the dealership. I did not have the income for a car loan and I was well aware of this which is why I wanted to trade in my XXXX XXXX XXXX that was paid for and I was told I would get {$7600.00} for the trade-in value. I wanted to purchase a XXXX for advertised {$10000.00}. However, due to them taking advantage of me, I was told that the bank would not approve me for so small of a loan for a car that had over XXXX miles on it, but I did get approved, but it was for a much higher priced vehicle. I literally signed like 3-4 papers and I had that car. However, you will see that between the car payment and insurance payment that was more than my XXXX check was. The car dealer gave me a XXXX XXXX that ended up being blank and told me all of my contract would be on that XXXX, but it was blanked. The dealer increased my income and submitted it fraudulently to the bank to get me approved and for them to earn their commission. However, what they did to me was an absolute horror. Please read the attached PDF which will explain everything in detail of the transaction and losses. Since the Federal Reserve 's investigation and findings of fraud against me some major things have happened. First, I randomly received a satisfaction of judgement from the XXXX XXXX XXXX stating the judgement that was put against me in XXXX of XXXX by XXXX XXXX XXXX was Settled in full, but I never paid them a XXXX. So, I contacted the lawyer that was on the forms and I found out that XXXX XXXX XXXX  had to pay an enforcement to the Federal Reserve. XXXX XXXX XXXX  ended up suing Crystal Motor XXXX for a large amount of money. Part of that lawsuit however, the bank forced Crystal Motor to satisfy the judgement that was against me along with paying several court imposed fines to the bank itself. When I contacted the federal reserve for details i was told that even though I am the victim, I am not entitled to any information regarding this case. However, he was allowed to tell me that my case was sent to the internal investigations unit of the federal reserve for possibly criminal prosecution. I have been without a vehicle since my car was illegally repossessed. I had a lawyer send a demand letter over to the dealership requesting that I get made whole by giving me a vehicle valued between $ XXXX {$30000.00}, give me the trade-in value that we agreed upon of {$7600.00}, a per diem for each day that I have been without a vehicle, and attorneys fees... I attached a rough copy of the demand letter that was sent. However, they were given 10 days to reply and they refused to even acknowledge that they received the demand letter. However, prior to sending the letter, the Loss Manager was communicating with myself and my lawyer through email. I did a quick XXXX search of crystal motor XXXX and I am sure you will notice too that they have been accused and found guilty of committing fraud on numerous occasions but somehow still have a dealers license. For some reason, and I do not know or understand why, but they love to go to trial and lose miserably. It is a shame too because I am a XXXX person who has been without transportation for several years now and it this needs to get resolved. Yes, I want to pursue criminal charges. Yes, I do believe that I am entitled to all of the money that i ever paid towards the vehicle, the money I lost, the car that I traded in and the car that was reposed back. \n\nI know that you will probably have many questions for me and will probably need me to send over all of the documents that I am about to upload to you on multiple occasions and I will have no problem doing this for you. Just pleas remember that I am XXXX which is why I have a hard time typing and it doesn't seem like I was too detailed within this brief but the PDFs I will upload will fully explain everything. If you need to contact myself feel free to email or call me at any time of the day. XXXX, or my email of XXXX. I look forward on hearing form you guys and us finally being able to put this to bed. Someone if not many people should be going to jail over this and I am shocked nobody has yet. I was informed to resubmit this claim with you guys again but for me not to say it was the bank who did me wrong and have you guys investigate the car dealership because the federal reserve only has oversight on the capital city bank and you, the cfpb actually has oversight and the power to enforce actions and get me my car and money back, plus some interest and whatever other penalties you can think of. \n\nThe PDF File labeled XXXX XXXX XXXX, will be the letter from the bank in which she incriminates the dealership and the bank too. I also included a copy of my original application in which you can see I put my proper income and I signed and initialed it too. Compare my application with the letter from the bank and you will instantly see the fraud the dealership has done. \n\nI have the entire case file that I received from XXXX XXXX XXXX  during the federal reserve investigation. I attempted to upload it to you, but the file was XXXX. So, I just thought of compressing it so it will fit your security features so I will upload it. you will see a bunch of receipts, but the main thing to look at is my application and the VPs response for the fraud. Thank you for your help. Sorry if i made things confusion but I'm confused myself, still. \n\nOkay, I was about to submit this but I felt the need to comeback and update you. Crystal Motor XXXX I guess has been selling a lot of their dealerships. They do still own the crystal XXXX XXXX in XXXX, that is how I was able to get in touch with their house lawyer, XXXX to get the demand letter submitted. I couldn't find their exact name in the drop down, and I used the crystal motorsports LLC one, but they pretty much are all them This is just how shady they are that they feel the need to hide their businesses. simple XXXX search shows numerous counts of fraud that they committed. Now, they screwed me royal. Was forced to pay tens of thousands of dollars to satisfy the judgement that they got against me. When I spoke to their counselor, XXXX, she informed me that the owners and herself were well aware of me and that she will get the demand letter to them as soon as we send it. However, that was over a month ago and they haven't responded back. I guess some people just never learn their lesson and love to get drug through the mud. Please, have no mercy on them as they didn't and still do not have any pitty for the damage that they have caused me and my family!","date_sent_to_company":"2025-12-04T09:09:39.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"32246","tags":null,"has_narrative":true,"complaint_id":"17719015","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Crystal Motorsports, LLC","date_received":"2025-12-04T06:51:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["However, he was allowed to tell me that my case was sent to the internal <em>investigations</em> unit of the federal reserve for <em>possibly</em> <em>criminal</em> prosecution. I have been without a vehicle since my car was illegally repossessed."]},"sort":[7.64856,"17719015"]},{"_index":"complaint-public-v1","_id":"5519624","_score":7.6337576,"_source":{"product":"Checking or savings account","complaint_what_happened":"Victim of Identity Theft and Wire Fraud. On XX/XX/2022, at approx. XXXX Eastern Time an individual walked into a Chase Bank in Virginia and using a fake TX driver 's license was able to wire out {$10000.00} out of my savings account to XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX Maryland XXXX An automated email from Chase was sent at XXXX Central Time saying, \" We sent your wire transfer ''. I received this email and called Chase Bank within 30 minutes to stop this wire transfer and dispute it as fraud. I completed this call from the Chase Bank branch next door in XXXX, Texas, explaining that it was obviously fraud because I could not possibly be in a branch in Virginia and 30 minutes later be in a branch in XXXX, Texas. I then completed the Identity Theft Declaration of Claimant ( which the Chase claims person called a Fraud, Forgery Affidavit ) and the Banking Center Manager faxed the forms to Chase ( using XXXX XXXX XXXX XXXX which converts the fax into an email for timely delivery ) within an hour of calling and reporting this fraud on XX/XX/2022. On this Chase form in writing, I also told Chase to immediately stop the wire and refund the funds, as this was fraud. We were using our Chase debit cards and credit cards in XXXX, Texas the same day. It would have been easy to tell that we were not in Virginia, that we have never done a wire, let alone out of a savings account, and that we always show/scan our Chase debit card or credit card when talking to a branch employee. Never just an out-of-state ID. Chase Bank discloses on its website that \" Before we send a wire, it goes through an internal review process, and in some cases we may need to contact you to verify your request. '' Why wouldnt presenting an out-of-state ID in a non-local branch not prompt some sort of actual internal review? I called within 37 minutes of the criminal being in the Chase Bank in Virginia, and Chase still could not stop or review this wire transfer??? \n\nI was told by the Chase claims person on XX/XX/XXXX this would be 5 business days to process the claim. I immediately completed a police report and submitted it. Later in day on XX/XX/XXXX the local Chase Bank Branch Manager called me to give a little more information about the identity theft from the Virginia branch. The same day, we came back into another Chase Bank to close and reopen accounts, request new cards, and to make sure all accounts were flagged appropriately. I have added Chase auto alerts to the accounts which are all after transactions have processed. There does not appear to be an interdictory system that stops certain types of transactions without approval on personal accounts- such as a wire on savings account. I have been back into multiple local Chase Banking centers updating IDs, asking for updates, asking for escalation. \n\nOn XX/XX/XXXX I called Chase XXXX number and was told by Claims the wire recall failed and given a case number, and no information as to why the wire reclaim failed or when Chase actually submitted the reclaim. I was told to call another Chase number ( XXXX ) which when I selected certain call options I was sent to a non-working number. After multiple attempts to get another Chase person, they had no idea why I called the XXXX number and transferred me to yet again another non-working number. \n\nOn XX/XX/XXXX, I had an appointment with the local branch to escalate the process. At this meeting the banking center employee faxed the police report and the FBI IC3 report, which I provided, to the Claims group and added escalation to the claim. On XX/XX/XXXX, we went to another Chase Bank to determine what was going on. We were told that the timing was now 10 days, and communication may only be in writing. We sent an email to the XXXX XXXX XXXXt Director-Banking asking why this ID theft and fraud was not being addressed. On XX/XX/XXXX, this 3rd branch manager called back saying the claim was still pending and to notify us that it could now take 30 days! \n\nA Fraud Investigator from XXXX XXXX XXXX XXXX reached out to us about this fraudulent wire transfer on XX/XX/2022, and we still have not spoken to a Chase fraud person. XXXX XXXX XXXX Investigator stated they did not receive the wire reclaim until after XXXX ET on XX/XX/XXXX, too late to stop the withdraw of funds. I told Chase to stop this fraudulent wire immediately on XX/XX/XXXX ; Chases lack of review, delays in reclaiming this fraudulent transaction and subsequent loss should not be put upon the consumer ( me ). I was well aware of the timing sensitivity with domestic wires and acted accordingly, and so should Chase. The XXXX XXXX XXXX XXXX investigator was appalled that the fraud claim had not been processed and suggested submitting a complaint through the CFPB. \n\nChase has not reached out to us about this fraud no one from Chase Fraud, other than a couple instances where a local branch manager called to relay day-of-information or that the claim was still pending. I am the victim here this is significant amount of money, and the actions by Chase Bank to not prevent this from happening ( ID Theft Red Flags XXXX ), their subsequent delay in reclamation, and now moving pending dates are sickening. This is a case of identity theft and wire fraud/account take-over, and the consumer should be reimbursed.","date_sent_to_company":"2022-04-29T21:30:27.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"78749","tags":null,"has_narrative":true,"complaint_id":"5519624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-04-29T21:18:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The XXXX XXXX XXXX XXXX <em>investigator</em> was appalled that the fraud claim had not been processed and suggested submitting a complaint through the <em>CFPB</em>. \n\nChase has not reached out to us about this fraud no one from Chase Fraud, other than a couple instances where a local branch manager called to relay day-of-information or that the claim was still pending."]},"sort":[7.6337576,"5519624"]},{"_index":"complaint-public-v1","_id":"14647548","_score":7.210247,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint regarding numerous inaccuracies and unlawful reporting on my credit file. These errors have severely harmed my financial life and mental health. Despite prior disputes, the credit reporting agencies and data furnishers have failed to investigate or correct the issues. I am requesting your help under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection laws. The following addresses, accounts, and inquiries are being falsely reported, leading to unfair denial of credit, housing, and employment opportunities. \nWRONG ADDRESSES : XXXXXXXX XXXX XXXX XXXX  TX XXXX Issue : I have never lived at this address, nor have I been associated with it at any point. It is a completely inaccurate data entry on my credit file. \nLaw Violation : FCRA 1681e ( b ) bureaus are required to ensure maximum accuracy of reported data.\n\nStory : This incorrect address has caused me repeated ID verification failures when applying for a loan. My drivers license and lease documents prove that I never lived there. Yet the credit bureaus keep re-inserting this data even after disputes. \nXXXX XXXX XXXX, TX XXXX Issue : Not my address, never resided there. \nLaw Violation : FCRA 1681i ( a ) failure to reinvestigate disputed data and correct/remove it.\n\nStory : I lost a job opportunity because the background check flagged this address, confusing it with someone with a criminal record. My identity and character are being harmed by the bureaus ' negligence. \nNEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$390.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late payment reported during a period of verified medical hardship. \nLaw Violation : FCRA 1681i failure to correct data after dispute. Equal Credit Opportunity Act ( ECOA ) protections ignored.\n\nStory : I lost employment due to a health crisis and contacted Capital One explaining the hardship. They offered no help. I requested a goodwill adjustment, which was ignored. I provided hospital documents during my dispute. Still, this stain remains. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$470.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Fraudulent account. I did not open this. \nLaw Violation : FDCPA 809 failure to validate debt. FCRA 1681s-2 duty of furnishers to investigate after consumer dispute. \nXXXX : This account suddenly appeared with a balance and a charge-off status. I reported it as identity theft. XXXX XXXX never sent application documents or IP records proving it was mine. \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charged off even though balance is {$0.00}. Never had a XXXX XXXX account. \nLaw Violation : FCRA 1681e ( b ) inaccurate and misleading reporting.\n\nStory : This item should not exist at all. I never had XXXX XXXX XXXX, and {$0.00} balance accounts being charged off is suspicious and misleading to lenders. \nXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$1300.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Fraudulent account. \nLaw Violation : FDCPA 809 and FCRA 1681s-2 ( b ). \nStory : XXXX has failed to validate this account. I never opened this line or used their service at the address linked to the account. The credit bureaus refused to remove it after multiple disputes. \nXXXX XXXX XXXXXXXX| High Balance : {$6900.00} | Opened : XX/XX/XXXXXXXX XXXX Issue : Unverified collection account. \nLaw Violation : FDCPA 809 and FCRA 1681i failure to verify and correct information.\n\nStory : I have no recollection or record of this debt. The agency provided no documents. Its harming my report unjustly. Debt collectors must validate debts when requested. This one never did. \nXXXX XXXX XXXXXXXX| XXXX XXXX : {$8900.00} | Opened : XX/XX/XXXXXXXX XXXX Issue : Invalid and unverifiable collection. \nLaw Violation : FDCPA 807 misrepresentation and FCRA 1681e ( b ) failure to report accurate information.\n\nStory : I believe this account was fraudulently placed on my file. I have no contracts, bills, or payment history from this collector. Yet it's being treated as a valid debt. Theyve ignored my disputes and damaged my report. \nUNAUTHORIZED INQUIRIES : XXXX XXXX | Date : XX/XX/XXXX Issue : Hard inquiry without consent. \nLaw Violation : FCRA 604 permissible purpose required.\n\nStory : I never applied for any service from them. This unauthorized inquiry lowered my score. \nXXXX XXXX XXXX : XX/XX/XXXX Issue : Unauthorized inquiry. \nLaw Violation : FCRA 604 ( a ) ( 3 ).\n\nStory : I never gave permission. No credit application submitted. I feel my privacy has been violated. \nXXXX | Date : XX/XX/XXXX Issue : Hard inquiry pulled without application. \nLaw Violation : FCRA 604 no permissible purpose.\n\nStory : This lender pulled my report without my consent. This is reckless and unauthorized. \nXXXX XXXX XXXX | Date : XX/XX/XXXX Issue : Unauthorized inquiry. \nLaw Violation : FCRA 604.\n\nStory : I had no interaction with XXXX. This is deeply concerning and indicates possible misuse of my personal data. \nSECURITY F | Date : XX/XX/XXXX Issue : Inquiry done without knowledge or permission.\n\nLaw Violation : FCRA 604.\n\nStory : They have no business pulling my report. This is either identity theft or data abuse. \nXXXXXXXX XXXX  | Date : XX/XX/XXXX Issue : Mortgage inquiry I never initiated. \nLaw Violation : FCRA 604 and potential TILA ( Truth In Lending Act ) issues.\n\nStory : This is highly suspicious. I wasnt house shopping, yet I see a mortgage lender pulling my data. Possibly tied to spam lead generation. \nXXXX XXXX XXXX | Date : XX/XX/XXXX Issue : Duplicate unauthorized inquiry. \nLaw Violation : FCRA 604.\n\nStory : Never authorized this. It seems related to the XXXX mortgage inquiry. These inquiries are being bundled and misused. \nADVANTAGE | Date : XX/XX/XXXX Issue : Repetitive inquiry on the same day. \nLaw Violation : FCRA 604.\n\nStory : Duplication of the same inquiry by different business units. These repeated hits have damaged my score unfairly.\n\nConclusion : I request the CFPB to open a full investigation into these items. All the wrong addresses, inaccurate accounts, and unauthorized inquiries listed above violate multiple federal laws. I am suffering financial, emotional, and professional damage because of these unresolved reporting errors. I am requesting permanent deletion of all inaccurate information, and for the responsible parties to be held accountable.\n\nThank you for your assistance.","date_sent_to_company":"2025-07-14T16:07:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77346","tags":null,"has_narrative":true,"complaint_id":"14647548","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-14T16:03:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Story : Duplication of the same inquiry by different <em>business</em> units. These repeated hits have damaged my score unfairly.\n\nConclusion : I request the <em>CFPB</em> to open a full <em>investigation</em> into these items. All the wrong addresses, inaccurate accounts, and unauthorized inquiries listed above violate multiple federal laws. I am suffering financial, emotional, and professional damage because of these unresolved reporting errors."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[7.210247,"14647548"]},{"_index":"complaint-public-v1","_id":"5970142","_score":7.078002,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern : I am writing to request an intervention from CFPB. I am an innocent victim struggling, challenges with emotional distress relating to closing of accounts with Chase Bank. I am a victim of identify theft in-which my personal information had/has been used by suspects/thieves to apply for bank products { ie checking, savings, credit cards } and merchants cards. \n\nIn XXXX, I was a victim of identify theft/fraud with Chase Bank resulting the account was closed. I accepted and agreed with Chase Bank decision the account opened in XXXX due to my security protections. \n\nThe City of XXXX XXXX XXXX, XXXX, CFPB and FTC were notified for the fraud in XXXX and present time identity theft. Furthermore, I've placed a credit freeze with the three credit bureau. \n\nThe suspects/thieves { same persons } who fraud in XXXX and XXXX, person ( s ) is/are being investigated for criminal economic crime and possibly escalating to Federal level. \n\nXX/XX/XXXX : I went to Chase Banking Center, XXXX XXXX XXXX in XXXX XXXX, CA XXXX & established new accounts : checking, savings, and credit card. During 2 hours there, I was upfront with the Personal Banker stated I had and am a victim of identity theft. I presented IDs : my social security card and driver 's license. In addition, I provided proof with the case # from the City of XXXX XXXX Police Department. I requested the banker to notate the new accounts with regard of my current situation identify theft, copy my the case report and copy of my social security. The Personal Banker advised she can only notate ID Theft but nothing further as she can not \" Tell other what to do ''. \n\nA week later after the accounts have been opened. I discovered the accounts were restricted. I and my sister XXXX XXXX XXXX XXXX, an authorized signer, on my accounts placing calls to Chase Bank Operations Loss Prevention @ XXXX. \n\nOn XX/XX/XXXX : My sister XXXX XXXX XXXX XXXX called XXXX, spoke with LP Manager XXXX, advised the accounts will be placed on hold with 10 days extension. To allowing XXXX XXXX to submit a claim and submit supporting documentation to lift restrictions on the accounts. \n\nOn XX/XX/XXXX : My sister XXXX XXXX XXXX XXXX and I. Both present at the Chase Banking Center, located at XXXX XXXX XXXX, XXXX CA XXXX. The Personal Banker, XXXX XXXX, helped Us calling Operations Loss Prevention Team @ XXXX, established a claim. We spoke with XXXX from the XXXX LP Team and established the claim| Reference claim # XXXX. We received the claim form \" Identity Theft Declaration of Claimant '' sent from LP Team via Intranet and handed to Us. The following business day, the completed form with supporting docs were e-faxed via Intranet bank system to Ops LP Team. \n\nThe completed form included the Statement of Facts, and proof of Identify theft report from the City of XXXX XXXX Police Department. The Statement of Facts detailed my identity theft matter. \n\nOn XX/XX/XXXX : I discovered my accounts balance are XXXX. \n\nOn XX/XX/XXXX : I returned to Chase Banking Center XXXX XXXX XXXX, XXXX CA XXXX. The Personal Banker, XXXX XXXX, once again willfully helped me calling the Ops LP. I spoke with LP Manager_XXXX  XXXX, from the Deposit Review Fraud Department who was advising the accounts are in close-pending status not yet closed, and that a decision will be available either on XX/XX/XXXX or the XXXX. I was informed the Ops LP Team is awaiting to obtain a copy of my social security card and CA driver 's license. I rushed home to get my social security card, photo-copied front & back of both, my SS Card and CA DL. \n1-Hour later, I returned to the banking center and had my social security card and CA DL e-faxed to LP Team and left the banking center. \nTwenty-minutes later after I've left the banking center, I called LP Team to confirm the receipt of the e-fax. I spoke with XXXX { Title Supervisor }, who told the decision is final and the accounts have been closed. He questioned XXXX XXXX, \" what is the point of sending the documents ''. I advised instruction was given and I answered. I then told him I will return to the banking center, he replied \" what is need to go back to the banking center ''. The call was escalated, I spoke Supervisor, XXXX. XXXX, who said the accounts have been closed and nothing can be done or anyone to do to reverse. \nThe materials misrepresentation from Agents from the Ops LP Team causing me emotional distress, driving back and forth, and going through hoops. If decision had been rendered, why Chase Bank Personal Banker still obtain my information and she was opened the accounts. \nAt the beginning, I am and have been cooperative with Chase Bank Operations Loss Prevention by providing all supporting documents, good-faith and honest upfrontly to resolve/bring a solutions about my matter. I pledge with Chase Bank to compasionately considering lifting my accounts under the circumstance, It is \" I '' a victim of identity theft. I am an innocent victim, I ask for your compassion, and place yourself in my position to understand the sufferings and challenges that i am and been going through relating in this matter. \n\nI attest under the perjury of law, my statement herein, is true and correct. I understand and abide to all laws govern the Financial Institution and my duties as a bank customer. For credibility, I am a XXXX XXXX XXXX and CA XXXX XXXX XXXX for State of California. I am a XXXX for XXXX XXXX and member of XXXX XXXX XXXX XXXX. This channel does not allow me to note sensitive personal data. Thank you. \n\nRespectfully, XXXX XXXX XX/XX/XXXX XXXX","date_sent_to_company":"2022-09-11T05:42:29.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"92703","tags":null,"has_narrative":true,"complaint_id":"5970142","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-09-11T05:33:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["The City of XXXX XXXX XXXX, XXXX, <em>CFPB</em> and FTC were notified for the fraud in XXXX and present time identity theft. Furthermore, I've placed a credit freeze with the three credit bureau. \n\nThe suspects/thieves { same persons } who fraud in XXXX and XXXX, person ( s ) is/are being <em>investigated</em> for <em>criminal</em> economic crime and <em>possibly</em> escalating to Federal level."]},"sort":[7.078002,"5970142"]},{"_index":"complaint-public-v1","_id":"11482233","_score":7.0528235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"U.S.Postal Mail/Registered mail and Email delivery and fax to XXXX : XXXX, XXXX, XXXX, XXXX UPDATED COMPLAINT- XX/XX/XXXX XXXX XXXX XXXX XXXX Attorney Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enforcement Director Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Civil Rights Coordinator U.S. Attorneys Office, Public Integrity and Civil Rights Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  U.S. Treasury Department Fraud Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Crimes Enforcement Network ( FinCEN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : URGENT Identity Theft Dispute and Demand for Corrective Action Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and Relevant Agencies, This letter serves as a formal dispute and demand for immediate corrective action regarding the unresolved fraudulent accounts, unauthorized inquiries, and inaccurate information on my credit reports. As a victim of identity theft exacerbated by the XXXX XXXX XXXX XXXX and recent XXXX XXXX XXXX XXXX XXXX, I have taken all necessary steps to address this matter, including submitting : 1. FTC Identity Theft Report ( XXXX XXXX. XXXX ). \nXXXX. XXXX XXXX Police Department Identity Theft Report ( Case No. XXXX ). \nDespite this, XXXX, XXXX, and TransUnion have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related statutes, as outlined below. \n\nXXXX, XXXX, and TransUnion 's actions and inactions constitute severe violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal statutes. Additionally, XXXX dispute resolution failures have exacerbated the harm caused by these inaccuracies, as detailed below. \nSystemic violations of federal laws by XXXX and other credit reporting agencies, compounded by identity theft and non-compliance with 15 U.S.C. 1681c-2 ( Section 605B ). These violations have caused severe harm to my financial stability, reputation, and personal well-being.\n\nXXXX  intentional misconduct and failure to follow federal regulations, including violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and 26 U.S.C. 6050P tax reporting obligations, must be addressed immediately. This situation also requires criminal investigations by the Consumer Financial Protection Bureau ( CFPB ), Treasury Fraud Division, and Financial Crimes Enforcement Network ( FinCEN ). \n1. Systemic Violations and Federal Law A. Fair Credit Reporting Act ( FCRA ) 1. 15 U.S.C. 1681c-2 ( Section 605B ) : o Failure to block fraudulent accounts within four business days despite receiving all necessary documentation.\n\n2. 15 U.S.C. 1681i ( a ) : o Agencies failed to conduct reasonable reinvestigations within the required 30-day timeframe as this matter has been ongoing for over 60 days.\n\n3. 15 U.S.C. 1681e ( b ) : o Agencies failed to ensure \" maximum possible accuracy '' of reported information.\n\n4. 15 U.S.C. 1681i ( 7 ) : o No clear explanation of the verification process was provided.\n\n5. 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : o Failure to provide clear and intelligible notices of reinvestigation results.\n\nB. Fair Debt Collection Practices Act ( FDCPA ) 1. 15 U.S.C. 1692e : o Creditors and furnishers provided false or misleading representations about alleged debts.\n\n2. 15 U.S.C. 1692g : o Failure to validate disputed debts upon request.\n\nC. Privacy and Identity Theft Violations 1. Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : o Failure to safeguard personal financial information.\n\n2. Electronic Communications Privacy Act ( 18 U.S.C. 2510 ) : o Unauthorized access to and misuse of personal data, including exposure via nationalpublicdata.com.\n\nD. Treasury and Financial Crimes Violations 1. 26 CFR 1.6050P-1 : o Improper issuance of 1099-C forms, falsely suggesting discharged debts.\n\n2. Bank Secrecy Act ( 31 U.S.C. 5311 et seq. ) : o Failure to report fraudulent transactions tied to identity theft, violating anti-money laundering laws. \n________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  remains inaccurately listed, in violation of FCRA and possibly involving a mixed file issue. \nThis item remained unchanged from our processing of your dispute in XX/XX/XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Resolution Failures : o Mischaracterized disputes through inaccurate or overly generic e-OSCAR dispute codes. \no Ignored consumer-submitted documentation during the Automated Consumer Dispute Verification ( ACDV ) process. \n5. Privacy and Data Breach : o Exposure of personal information via nationalpublicdata.com, violating federal privacy laws.\n\n________________________________________ 3. Demands for Immediate Corrective Action I demand the following actions : 1. Block Fraudulent Information : o Remove all fraudulent accounts, inquiries, and inaccurate data per 15 U.S.C. 1681c-2.Provide Written Confirmation : 2. Provide written confirmation that fraudulent items have been removed or blocked, and explain the procedure used to verify disputed information under 15 U.S.C. 1681i ( 7 ).\n\n3. Correct Reporting to Third Parties : o Notify all entities that accessed my credit report in the past two years of corrected information, as required by law.\n\n4. Investigate Treasury-Related Violations : o Collaborate with the Treasury Fraud Division and FinCEN to investigate fraudulent transactions and potential anti-money laundering violations.\n\n5. Correct Tax Reporting : o Rectify improper 1099-C filings and ensure accurate reporting to the IRS.\n\n6. Provide Debt Validation : o Furnish signed agreements, original contracts, and payment histories for all disputed accounts under 15 U.S.C. 1692g.\n\n________________________________________ 4. Escalation for Non-Compliance Failure to comply with these demands within 4 business days will result in the following actions : 1. Legal Action : o Arbitration or civil litigation under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ).\n\n2. Criminal Referrals : o Referral to the DOJ under 18 U.S.C. 1028 ( identity theft ) and 15 U.S.C. 1681q ( willful misrepresentation ).\n\n________________________________________ 5. Supporting Documentation Enclosed are the following : 1. Copy of Government-Issued Photo ID. \n2. Proof of Address ( e.g., Paystub ). \n3. FTC Identity Theft Report ( XXXX XXXX. XXXX ). \nXXXX. XXXX XXXX Police Identity Theft Report ( Case No. XXXX ). \nXXXX. XXXX XXXX XXXX XXXX. \nXXXX Credit Reports Highlighting Fraudulent Items. \n7. List of Unauthorized Hard Inquiries.\n\n8. Certificate of Live Birth ________________________________________ Final Notice This letter serves as your final demand to resolve these issues. Non-compliance will result in immediate regulatory, civil, and criminal escalation to protect my rights under federal law. Please direct all correspondence to me at the address or email provided above. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-11T07:05:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"11482233","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-11T07:05:04.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This situation also requires <em>criminal</em> <em>investigations</em> by the Consumer Financial Protection Bureau ( <em>CFPB</em> ), Treasury Fraud Division, and Financial Crimes Enforcement Network ( FinCEN ). \n1. Systemic Violations and Federal Law A."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[7.0528235,"11482233"]},{"_index":"complaint-public-v1","_id":"11462252","_score":7.0445642,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX/Registered mail and Email delivery and fax to XXXX : XXXX, XXXX, XXXX, XXXX UPDATED COMPLAINT- XX/XX/XXXX XXXX XXXX XXXX XXXX Attorney Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Rights Coordinator XXXX. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Treasury Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : URGENT Identity Theft Dispute and Demand for Corrective Action Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and Relevant Agencies, This letter serves as a formal dispute and demand for immediate corrective action regarding the unresolved fraudulent accounts, unauthorized inquiries, and inaccurate information on my credit reports. As a victim of identity theft exacerbated by the XXXX XXXX Data Breach and recent National Public Records Data Breach, I have taken all necessary steps to address this matter, including submitting : XXXX. FTC Identity Theft Report ( XXXX XXXX. XXXX ). \nXXXX. XXXX XXXX Police Department Identity Theft Report ( Case No. XXXX ). \nDespite this, Experian, XXXX, and XXXX have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related statutes, as outlined below. \n\nExperian, XXXX, and XXXX 's actions and inactions constitute severe violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal statutes. Additionally, Experians dispute resolution failures have exacerbated the harm caused by these inaccuracies, as detailed below. \nSystemic violations of federal laws by Experian and other credit reporting agencies, compounded by identity theft and non-compliance with 15 U.S.C. 1681c-2 ( Section 605B ). These violations have caused severe harm to my financial stability, reputation, and personal well-being. \nExperians intentional misconduct and failure to follow federal regulations, including violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and XXXX XXXX. XXXX tax reporting obligations, must be addressed immediately. This situation also requires criminal investigations by the Consumer Financial Protection Bureau ( CFPB ), Treasury Fraud Division, and Financial Crimes Enforcement Network ( FinCEN ). \nXXXX. Systemic Violations and Federal Law A. Fair Credit Reporting Act ( FCRA ) XXXX. XXXX XXXX. XXXX ( XXXX XXXX ) : o Failure to block fraudulent accounts within four business days despite receiving all necessary documentation. \nXXXX. 15 U.S.C. 1681i ( a ) : o Agencies failed to conduct reasonable reinvestigations within the required XXXX timeframe as this matter has been ongoing for over XXXX days. \nXXXX. 15 U.S.C. 1681e ( b ) : o Agencies failed to ensure \" maximum possible accuracy '' of reported information. \nXXXX. 15 U.S.C. 1681i ( 7 ) : o No clear explanation of the verification process was provided. \nXXXX. 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : o Failure to provide clear and intelligible notices of reinvestigation results. \n\n\nB. Fair Debt Collection Practices Act ( FDCPA ) XXXX. 15 U.S.C. 1692e : o Creditors and furnishers provided false or misleading representations about alleged debts. \nXXXX. 15 U.S.C. 1692g : o Failure to validate disputed debts upon request. \nXXXX Privacy and Identity Theft Violations XXXX. Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : o Failure to safeguard personal financial information. \nXXXX. Electronic Communications Privacy Act ( 18 U.S.C. 2510 ) : o Unauthorized access to and misuse of personal data, including exposure via nationalpublicdata.com. \nXXXX Treasury and Financial Crimes Violations 1. 26 CFR 1.6050P-1 : o Improper issuance of 1099-C forms, falsely suggesting discharged debts.\n\nXXXX. Bank Secrecy Act ( 31 U.S.C. 5311 et seq. ) : o Failure to report fraudulent transactions tied to identity theft, violating anti-money laundering laws. \n________________________________________ XXXX. Specific Complaints and Evidence XXXX. Fraudulent Accounts and Balances : o XXXX XXXX  : XXXX $ XXXX. \nXXXX XXXX XXXX XXXX XXXX ( XXXX Accounts ) : $ XXXX and $ XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX : $ XXXX. \no XXXX XXXX XXXX XXXX $ XXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. \n\nXXXX. Incorrect Bankruptcy Reporting : o A dismissed XXXX XXXX XXXX ( XXXX XXXX. XXXX )- XXXX XXXXXXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX, remains inaccurately listed, in violation of FCRA and possibly involving a mixed file issue. \nThis item remained unchanged from our processing of your dispute in XX/XX/XXXX. \nXXXX. Unauthorized Credit Inquiries : o XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ). \no XXXX ( XX/XX/XXXX ). \no XXXX ( XX/XX/XXXX ). \nXXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) o XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX. Experians Dispute Resolution Failures : o Mischaracterized disputes through inaccurate or overly generic XXXX dispute codes. \no Ignored consumer-submitted documentation during the Automated Consumer Dispute Verification ( ACDV ) process. \nXXXX. Privacy and Data Breach : o Exposure of personal information via nationalpublicdata.com, violating federal privacy laws. \n________________________________________ XXXX. Demands for Immediate Corrective Action I demand the following actions : XXXX. Block Fraudulent Information : o Remove all fraudulent accounts, inquiries, and inaccurate data per 15 U.S.C. 1681c-2.Provide Written Confirmation : XXXX. Provide written confirmation that fraudulent items have been removed or blocked, and explain the procedure used to verify disputed information under 15 U.S.C. 1681i ( 7 ). \nXXXX. Correct Reporting to Third Parties : o Notify all entities that accessed my credit report in the past two years of corrected information, as required by law. \nXXXX. Investigate Treasury-Related Violations : o Collaborate with the Treasury Fraud Division and FinCEN to investigate fraudulent transactions and potential anti-money laundering violations. \nXXXX. Correct Tax Reporting : o Rectify improper 1099-C filings and ensure accurate reporting to the IRS. \nXXXX. Provide Debt Validation : o Furnish signed agreements, original contracts, and payment histories for all disputed accounts under 15 U.S.C. 1692g. \n________________________________________ XXXX. Escalation for Non-Compliance Failure to comply with these demands within XXXX business days will result in the following actions : XXXX. Legal Action : o XXXX or civil litigation under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ). \nXXXX. Criminal Referrals : o Referral to the DOJ under 18 U.S.C. 1028 ( identity theft ) and 15 U.S.C. 1681q ( willful misrepresentation ). \n________________________________________ XXXX. Supporting Documentation Enclosed are the following : XXXX. Copy of Government-Issued Photo ID. \nXXXX. Proof of Address ( e.g., Paystub ). \nXXXX. FTC Identity Theft Report ( XXXX XXXX. XXXX ). \nXXXX. XXXX XXXX Police Identity Theft Report ( Case No. XXXX ). \nXXXX. 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Please direct all correspondence to me at the address or email provided above. \nSincerely, XXXX XXXX XXXX, Beneficiary Without prejudice UCC 1-308, All Rights Reserved","date_sent_to_company":"2025-01-11T07:04:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"11462252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-11T07:00:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This situation also requires <em>criminal</em> <em>investigations</em> by the Consumer Financial Protection Bureau ( <em>CFPB</em> ), Treasury Fraud Division, and Financial Crimes Enforcement Network ( FinCEN ). \nXXXX. 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