{"took":540,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":19,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5115015","_score":13.543926,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I purchased XXXX pieces dining set ( XXXX ) from XXXX located at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The total price of 7-piece set ( one table, 5 chairs and one bench ) was {$1100.00} including sale tax on XX/XX/XXXX. The purchase was financed by Brand Source for 12 months at zero interest after opening a new credit card account. I was advised that bench will be available in first week of XXXX, XXXX which I considered reasonable time to wait for bench. I picked up 6 pieces excluding bench form their store in XX/XX/XXXX. When I did not hear any thing from the store regarding bench, I called store on XX/XX/XXXX to find status so that I can pick it up. As I did not hear any positive response, I visited the store and talked to sale rep as well as Manager. I discussed to explore another reasonable acceptable alternative. First they agreed to accept return. But when we went next day to return, they flatly told me that there is no other alternative other than waiting for bench and promised me that bench will definitely available in first week of XX/XX/XXXX which was not acceptable. Recently, I again called store as I did not hear anything from store again. Now, they are advising me to wait until middle of XX/XX/XXXX. XXXX keep extending the date of availability with no another alternative which is unreasonable in terms of sale order and unfair business. Delay in delivering bench is causing risk of unmatching color of bench with rest of the dining set due to age which why we have to bear after paying full price. \nIn the meantime, I called Brand Source to use my rights to dispute this transaction as order was not delivered as per sale order contract signed by both parties. I provided all information that all my efforts to resolve issue with the store were unsuccessful. But credit card company told they can not help me in filing dispute as I have to resolve it with the store. \n\nI would like to dispute {$1100.00} as I am dissatisfied with this credit card purchase because XXXX is failed to deliver all items as per sale order XX/XX/XXXX and request credit card company to investigate the issue. If above statement is correct and XXXX is failed to deliver items as per sale order, my credit should be reversed and all paid money should be reimbursed to me.","date_sent_to_company":"2022-01-16T16:37:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"08053","tags":null,"has_narrative":true,"complaint_id":"5115015","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-01-16T16:31:43.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I was advised that bench will be available in first week of XXXX, XXXX which I considered <em>reasonable</em> time to wait for bench. I picked up 6 pieces excluding bench form their store in XX/XX/XXXX. When I did not hear any thing from the store regarding bench, I <em>called</em> store on XX/XX/XXXX to find status so that I can pick it up. As I did not hear any positive response, I visited the store and talked to sale rep as well as Manager. I discussed to explore another <em>reasonable</em> acceptable alternative."]},"sort":[13.543926,"5115015"]},{"_index":"complaint-public-v1","_id":"14390729","_score":11.917681,"_source":{"product":"Credit card","complaint_what_happened":"On the XXXX of XXXX, XXXX, I requested {$50.00} to be transferred to my savings account through the rewards program which was the reason I accept and applied for the credit card. I noticed the funds were not available Monday XX/XX/XXXX so I called Navy Federal Credit Union ( NFCU ) to which they replied : NFCU is aware of this issue and everyone who applied for the reward refund had a XXXX digit number which is the banks routing number applied to the end of the account number which is why everyone who applied this did not receive their money. This was an internal issue and the first time it occured for my accounts. I asked when would the amount be deposited and they told me with total confidence that day Monday the XXXX of XXXX XXXX XXXX XXXX  but very likely much sooner than that. I repeated this back verbatim and it was confirmed that day, XXXX XXXX. XXXX days later Wednesday XXXX of XXXX I called to ask where the money was and a supervisor told me that the previous representative was wrong and that the funds would be deposited XXXX XX/XX/year>. \n\nToday XXXX, still no funds. I called again to ask whether the money was on its way and they replied they have no idea when but management knows of the issue. \n\nThere is no plan in place for redemption besides waiting longer and currently no penalty process if the funds never arrive. This is a breach of advertisement and policy and definitely not the fault of the owners that signed into agreement with NFCU and XXXX XXXX. \n\nEven if the reward is paid, NFCU and XXXX XXXX, possibly other third parties, are liable for breach of contract and false advertising within a reasonable amount of time. I was informed that the issue has been fixed but have no way to check this. If it is fixed for others but not me then this is a personal breach but I fear every member is being told the funds are not available which merits further investigation into whether the bank even has the necessary cash funds on hand to distribute to their clients meaning the bank doesn't have sufficient balance to pay the rewards which may be in breach of federal guidelines. \n\nUpon request for more information into who if any XXXX party can be held liable, NFCU is denying access to any and all information surrounding the source of their mistake. \n\nWhile typing this message I asked my spouse to try her rewards for transfer and she is unable to access the system as it appears to be completely down where she can not accept her rewards cash offer. This could likely mean they are intentionally stalling their payment process and the issue is clearly not fixed. \n\nIt concerns me the lack of transparency from NFCU and utterly no care or effort to rectify this process of paying their clients as agreed upon in their contract and advertising. No attempt to was ever attempted to inform clients of this mistake.","date_sent_to_company":"2025-07-01T17:02:56.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"32779","tags":"Servicemember","has_narrative":true,"complaint_id":"14390729","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-01T16:30:12.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["This is a breach of advertisement and policy and <em>definitely</em> not the fault of the owners that signed into agreement with NFCU and XXXX XXXX. \n\nEven if the reward is paid, NFCU and XXXX XXXX, possibly other third parties, are liable for breach of contract and false advertising within a <em>reasonable</em> amount of time. I was informed that the issue has been fixed but have no way to check this."]},"sort":[11.917681,"14390729"]},{"_index":"complaint-public-v1","_id":"7196103","_score":10.968796,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Navient ( Sallie Mae ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover Navients predatory and purposeful mismanagement. I was working 16 hour days on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. Navient still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.","date_sent_to_company":"2023-07-03T02:55:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52001","tags":"Servicemember","has_narrative":true,"complaint_id":"7196103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2023-07-03T00:29:04.000Z","state":"IA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of <em>calls</em> dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to <em>reasonable</em> credit at competitive rates."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.968796,"7196103"]},{"_index":"complaint-public-v1","_id":"7195948","_score":10.9534025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX ( XXXX XXXX ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working XXXX hour days on the XXXX XXXX of XXXX XXXX XXXXXXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. XXXX still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.","date_sent_to_company":"2023-07-03T02:55:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52001","tags":"Servicemember","has_narrative":true,"complaint_id":"7195948","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-03T02:55:35.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of <em>calls</em> dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to <em>reasonable</em> credit at competitive rates."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.9534025,"7195948"]},{"_index":"complaint-public-v1","_id":"7195947","_score":10.9534025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX ( XXXX XXXX ), after settling a lawsuit for XXXX XXXXXXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX  onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & XXXX XXXX XXXX XXXX which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working 16 hour days on the XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. XXXX still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XXXX XXXX XXXX ), {$12000.00} ( XXXX XXXX XXXX  ), {$14000.00} ( XXXX XXXX XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XXXX XXXX XXXX ), & {$1900.00} ( XXXX XXXX XXXX XXXX. Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.","date_sent_to_company":"2023-07-03T02:55:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52001","tags":"Servicemember","has_narrative":true,"complaint_id":"7195947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-03T02:55:35.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of <em>calls</em> dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to <em>reasonable</em> credit at competitive rates."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.9534025,"7195947"]},{"_index":"complaint-public-v1","_id":"8026087","_score":9.724397,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX. I called MACU fraud hotline at XXXX XXXX XXXX at XXXX ( 21 minute call ) about two checks that were posted to my account. I called the moment that I found out about the posting. I talked to XXXX ( unknown last name, she didnt have a ID number ) about this issues and she informed me that they were starting and investigation and would contact me in 72 hours. I asked her about starting a new account and she said that they would be doing that within 72hours. She stated that they would attempt to recover the funds and that they would let me know how things were going. She made me certify that I had no involvement, which I did. This certification was done by a readout of a specific language they were reading from a prompter. It stated that I had no involvement, I didnt benefit from the transaction, and otherwise wasnt party to the fraud. The lady on the phone didnt have a ID number or anything to provide other than her first name, which she gave reluctantly. \n\nXX/XX/XXXX. Mountain America called me on this date and left a voicemail. I immediately called back the line and started talking to an agent ( dont know name ). She stated she was going to close the original account and start a new one. Which she did whatever work she needed to, and sent me e-sign forms to do so. \nShe too had me certify that I had no involvement of the fraud for their investigation that they said was ongoing. \nShe told me that I would hear from MACU by a week from that day ( business days, not including the weekend ). \nXX/XX/XXXX. I contact the XXXX pd and filed a police report. Police report number is XXXX XX/XX/XXXX. I attempted to call XXXX XXXX the sr business account advisor at MACU. He was out of town until the XXXX according to his XXXX. He left a number for his second in command ( forgot her name ) who could be reached at XXXX. While on the phone with her I asked about what was going on with my account. She looked into the account and found that they had started a new account and saw notes from the fraud division, but couldnt give me any specifics. She assured me that the fraud department was definitely working on the situation. She gave me the banks case number for my issue of XXXX. \nXX/XX/XXXX. Since I had not heard from MACU yet on anything about the fraud on my account I decided to stop by the branch. I spoke with XXXX ( his spelling is unique but this is what he goes by ) about the issue. He contact the fraud department and spoke with a lady on the phone there. \nIn the meeting I found out that it was likely that MACU had in-fact not started an investigation attempting to recall the funds as previously discussed. This was a shock to me. \nFurther, the fraud department sent forms that they said were required to start such an investigation. I had never been advised of this until this meeting. \nFurther, the form that they wanted me to sign ( Breach of warranty ) was seemingly OK, except for one sentence that makes it sound like MACU wants a free pass from liability : I understand that Account Owner may not, in MACUs sole discretion, be refunded for Fraudulent ltem ( s ) until ( i ) Mountain America Credit Union ( \" MACU '' ) has had a reasonable time to conduct an appropriate investigation and ( ii ) the results of the investigation, in MACUs sole opinion, justify a refund.\n\nAll other passages of the form are not as much of a worry. I am seeking guidance from a lawyer that practices in this area before singing.\n\nIt is my belief at this point that MACU has acted in a manner that is grossly negligent for a bank. Ive certified two times that I was not involved and that the funds should be recalled. Ive been told they were doing so. Now they state that is not the case. \n\nXX/XX/XXXX I returned the Breach of Warranty Forms in what I would consider duress. MACU has forced me to return these forms that I couldnt negotiate at all before they would attempt any recovery efforts. XXXX at MACU said she cant do anything per policy without them. Even though the company knows theyve allowed checks to post to my account fraudulently. \n\nI also let XXXX know that I had spoken with both XXXX, XXXX and XXXX XXXX where the funds were delivered. Both companies flagged them as fraud and sent them back to their banks. So my money is sitting either at MACU, or their Banks at this point. \n\nXX/XX/XXXX Emailed XXXX for an update. Also emailed her another check sent to XXXX, XXXX in the same amount against the same account. \n\nNO RESPONSE FROM XXXX. \n\nXX/XX/XXXX Emailed XXXX again for an update at XXXX. Nothing back from her until I got a supposed auto response email back at XXXX same day. Seems very off a automatic response would be more than 12 hours delayed. The response also was only sent back to me though I ccd my lawyer and the branch manager at MACU. Seems crafted by XXXX or MACU to deflect response. \n\nXX/XX/XXXX Went into the MACU branch to speak with XXXX their branch manager. He was too busy to speak with me. Asked him teller to call fraud for me. Then as I was sitting outside the branch he walks out to lunch.","date_sent_to_company":"2023-12-19T21:39:57.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85382","tags":null,"has_narrative":true,"complaint_id":"8026087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","date_received":"2023-12-19T21:18:34.000Z","state":"AZ","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I <em>called</em> MACU fraud hotline at XXXX XXXX XXXX at XXXX ( 21 minute <em>call</em> ) about two checks that were posted to my account. I <em>called</em> the moment that I found out about the posting. I talked to XXXX ( unknown last name, she didnt have a ID number ) about this issues and she informed me that they were starting and <em>investigation</em> and would contact me in 72 hours. I asked her about starting a new account and she said that they would be doing that within 72hours."]},"sort":[9.724397,"8026087"]},{"_index":"complaint-public-v1","_id":"3153584","_score":8.928813,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The purpose of this letter is to address an issue that occurred with my Capital One card. I have been a customer of Capital One for over 18 years and have always paid my bills on time and have never had any late payments and or negative history with my account. I have been an extremely responsible card holder/customer with Capital One as well as the other accounts that I have. The issue that I experienced is that I received a letter today ( XX/XX/19 ) via US Postal Service stating that my account was about to be 2 months past due. The moment that I read the letter, I was startled because I know that I set up my account on automatic payments. The automatic payments that I set up for my Capital One card was a fixed payment that was over the minimum payment due because I have always paid over the minimum amount due. \n\n\nI contacted Capital One customer service and was informed that my account was in a delinquent status because I had not paid the amount that was due and I was also incurring late fees. The issue that I have with this is that my account continued to deduct {$60.00} to my checking account, so I am still confused as to how I can be delinquent and past due if I have been making payments on this account since I had a balance. I am very frustrated, bothered, annoyed, and at the same time saddened that this issue has occurred. Capital One sent me a letter to provide notification of my account status several months after the minimum payment changed, and after the credit bureaus were contacted regarding my account. My first and utmost concern is that fact that I have Excellent Credit with scores in the 800s. However, I checked my credit score that is provided by Capital One and realized that my score went down approximately 106 points. This situation is completely unjust because I feel that Capital One has a reputation that they provide unmatched customer service and provide customers with information regarding their credit scores to assist customers in their financial responsibilities. The situation that has occurred to me could have definitely been prevented if Capital One would have sent prior notifications via US Postal Service providing notification of my account status as well as the  possibility of being reported to the Credit Bureaus. \n\n\nBeing a Capital One account holder for over 18 years, I have been responsible and my account has always been current and paid on time. The situation that occurred was due to a lack of due diligence on the part of Capital One and I strongly feel that Capital One should have made every reasonable effort to have reached out to me to provide critical information regarding my account as well as the situation that was occuring regarding my account being reported negatively to the Credit Bureaus. I would greatly appreciate if this situation can be resolved by a thorough investigation being made into my account to determine that there was truly a lack of support as well as a failure to provide me with the necessary notification to prevent this issue from occurring. As previously stated, my main concern is that my credit score has been affected due to the negative reporting that ha been made to the Credit Bureaus. I would greatly appreciate if the negative reporting is redacted due to the fact that payments were being made to my account as of this billing cycle. Thus, it is truly inaccurate to state that my account is past due or that I have not made payments to my account. Throughout my 20 years of having credit cards, loans, etc, I have been an extremely responsible customer as evidenced by my credit score always being Excellent and over 780 credit score. The reason that I am mentioning this is because at this point, my main concern is for a correction to be made to my credit reporting regarding my account because it is nonfactual to state that my account was not being paid when payments have been made on a monthly basis. In addition, every credit card company has an option online that if the fixed amount is less than the minimum payment that the amount would be adjusted to reflect at least the minimum payment. Although the minimum payment appeared to have increased as of XXXX, I was not provided with this information throughout the 3 month period in which this was occurring. \n\n\nMy hope is that my issue can be resolved because I strongly feel that Capital One should have provided every reasonable effort to reach me, such as sending physical mail to my mailing address. The only physical mail that I received from Capital One was today to address the past due account status which resulted in me contacting Capital One immediately and speaking to Capital One representatives for over 3 hours to provide clarification regarding this issue. I humbly request for my situation to be viewed in a manner that is just, understanding, as well as consideration being made as to my account history and the fact that I was not provided with many means of notification ( such as phone calls, physical documents being mailed ) prior to the actions that were taken on my account. \n\nCapital one was contacted and they responded that a \" dispute '' would be placed on my credit reporting, however this manner that Capital One attempted to resolve the issue has not remedied the issue as well as the inaccurate reporting to the Credit Bureaus.","date_sent_to_company":"2019-02-15T17:56:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32940","tags":null,"has_narrative":true,"complaint_id":"3153584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-02-15T17:39:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The situation that occurred was due to a lack of due diligence on the part of Capital One and I strongly feel that Capital One should have made every <em>reasonable</em> <em>effort</em> to have reached out to me to provide critical information regarding my account as well as the situation that was occuring regarding my account being reported negatively to the Credit Bureaus."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[8.928813,"3153584"]},{"_index":"complaint-public-v1","_id":"8437133","_score":7.9529533,"_source":{"product":"Prepaid card","complaint_what_happened":"I have received your initial response to confirm that I did in fact file the complaint with the CFPB and, YES, I XXXX XXXX did file a complaint regarding the issues and circumstances that are mentioned. \n\nThe claims were not given a proper investigation and definitely can not be called \" Reasonable effort ''. The claims department obviously is still using the Automated Fraud Filter that was found to by the CFPB to be an \" unfair act or practice '' and is a violation of Sections 1031 and 1036 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U S.C. Subsection 553 ( a ) and ( c ), 5536 ( a ) ( 1 ) ( B ) ; ( 2 ) Bank of America Claims Department FAILED to conduct reasonable investigations of my XXXX XXXX benefit prepaid card claim and the Notice of Error is in violation of Sections 908 and 909 of the Electronic Funds Transfer Act ( EFTAO ), 15 U.S.C. 1693f and Section 1005.11 of Regulation E. The practices used to determine the validity of my claims which was deemed an \" Abusive Act ''.\n\nThe reason I was unable to advise Bank of America sooner is due to the fact I was impeded by being given untrue information regarding my account status and it took over a XXXX XXXX XXXX to finally gain access to my account after physically going into the local branch to verify my identity not XXXX  or XXXX  but on XXXX separate occasions and XXXX of those visits were on the SAME DAY! At that point I learned of the status of my account and filed my claim immediately after my review of the transactions. This Impediment is in violation of Sections 1031 and 1036 of the CFPA, 12 U S.C. Subsection 5531 ( a ) and ( c ), 5536 ( a ) ( 1 ) ( B ).\n\nAs a \" Affected Consumer \" I fall under the protections of the ORDER that was executed on XX/XX/XXXX by the CFPB that has jurisdiction over this matter under Sections 1053 and 1055 of the CFPA, 12 U.S.C. Subsection 5563, and Section 918 ( a ) ( 5 ) of EFTA, 15 U.S.C. Subsection 1693o ( a ) ( 5 ). Due to the fact my account was froze or blocked.\n\nThe consequential harm I have suffered due to the incorrect determination that no errors had occurred based solely on the results of Bank of Americas Fraud Filter. I am certain that the Error Resolution Investigation procedures and practices REQUIRED of financial institutions as described in 12 C.F.R. Subsection 1005.11 were not followed in accordance with that policy. As it is the duty of this financial institution to investigate unauthorized EFT transactions Under EFTA, upon receiving notice of error, financial institutions may not determine NO ERROR had occurred without conducting a \" good faith investigation of the alleged error '' and without \" a reasonable basis for believing that the consumer 's account was not in error. '' 15 U S.C. Subsection 1693f ( e ).\n\nFurther, under Regulation E, when conducting an Error Resolution Investigation, a financial institution must conduct, at minimum, a \" review of its own records regarding [ the ] alleged error. '' 12 C.F.R. Subsection 1005.11 ( c ) ( 4 ), and the Error Resolution Investigation '' must be reasonable, '' 71 Fed. Reg 1638, 1654 ( XXXX XXXX XXXX ).\n\nThe term \" Good Faith Investigation '' has been overlooked in my claims, obviously, because the number of transactions and the amount of claim ( s ) we are reviewing is very lengthy and numerous cards were issued and the transactions were spread out over as MANY as XXXX XXXX XXXX XXXX states, to reference Arizona, Nevada, California, and possibly more. The time it would take to give a claim of that size a Good Faith Investigation, I would say a minimum of XXXX weeks possibly XXXX if I wanted to be SURE and FAIR. And upon filing my claims I was told that the actual claim investigation department probably would not receive the claim for at least XXXX to XXXX businesses days. So with that knowledge, how was the reconsideration of my claims filed on XX/XX/XXXX and then just XXXX ( XXXX ) days later DENIED on XX/XX/XXXX??? \n\nThat XXXX simple fact, dated and completed by Bank of America, helps validate and provide significant evidence of the deliberate and willfully disregarded policies that are instituted by our Government and Governing Bureaus to maintain a procedural due process of law ensuring each citizen of our Great Country FAIR and HONEST treatment in our financial process. The negligence to conduct a investigation and determine that NO ERROR OCCURRED is a show of Abuse and Unprofessional. \n\nDuring my research I discovered that Bank of America, upon filing a claim of fraud, would send out a fraud packet consisting of an Affidavit in which the claimant declared under penalty of perjury that they had no knowledge of nor benefitted, from any unauthorized transactions, regarding the claim. The claimant was required to fill it out and return it within a set period disclosed by representative who initiated the claim. I was NEVER advised of this unspoken requirement, however, concerning Regulation E and provisional credit it's a stipulation. So I took it up on myself to find an Affidavit of Fraud and completed it to the best of my ability, under penalty of perjury, and submitted, via fax, when i requested the claims be reconsidered on XX/XX/XXXX along with other documents supporting my claims. \n\nAs Bank of America has provided the protection of the XXXX Liability Guarantee found in the cardholder agreement, it's plainly stated that XXXX cardholder will incur NO LIABILITY for UNAUTHORIZED TRANSACTIONS up to the amount of the Unauthorized Transactions, provided the cardholder notify Bank of America within a Reasonable amount of time. Yet the disconnections and excessively long wait and inaccurate information provided when I was able to speak to a representative, I wasn't able to inquire about my account until my verification was done, yet first I I was referred back to XXXX as Bank of America advised me that in fact they were responsible for the blocked account and they would have to verify my identity first and then XXXX would forward the verification to Bank of America and I was required to verify through the bank as well. Impossible and I believe intended to evade the XXXX XXXX XXXX. The unavailable harm caused by the extensive hold times, dropped calls, and the misinformation and intentional misdirected information implying that XXXX initiated the account be frozen, which was NOT the XXXX order at all. \n\nIt is evident that my claims were not processed nor properly investigated and as a direct result of this financial institutions intentional disregard for the required due process of law that I have been forced to suffer undue hardships and the loss of ALL my XXXX  benefits as a direct result of the failure of this financial institution to follow the guidelines set forth by the CFPB. As a result Bank of America has engaged in unfair acts or practices, in violation of Sections 1031 and 1036 of the CFPA. 12 U.S.C. Subsection 5531 ( a ) and ( c ), 5536 ( a ) ( 1 ) ( B ).\n\nTo further the placement of Liability regarding my claims allow me to remind you of a Executive Order from President Obama, on XX/XX/XXXX titled \" Improving the Security of Consumer Financial Transactions '' in paragraph \" ( c ) The Secretary of the Treasury shall take necessary steps to ensure that XXXX XXXX prepaid debit cards for administering Government benefits have enhanced security features, and by XX/XX/XXXX, the Department of the Treasury shall develop a plan for the replacement of XXXX XXXX prepaid debit cards without enhanced security features. '' This was a Presidential Executive Order published roughly XXXX years prior to the date Bank of America decided to begin using the XXXX chip security standards on the XXXX benefits card, yet ALL other accounts handled by Bank of America were in compliance with the order, again, deliberately neglected to secure the accounts and left them a target for fraudulent transactions from a lack of security standards. This is against the compliance orders provided to U.S. financial institutions. In support of the order, the XXXX XXXX XXXX clearly outlined the \" XXXX and Credit Card Liability '' asserting that \" During the transition, major financial institutions that dont provide chip-enabled cards to their cardholders remain accountable for fraudulent purchases. According to XXXX XXXX, a technology and business reporter for XXXX XXXX XXXX XXXX XXXX, Transactions still can be performed using the old card technology after the transition, but banks will be liable for any payment fraud if they do not issue a card containing a smart chip, and merchants will be liable if their teller machines do not accept the chip cards. Further stating \" Government-based purchasing and benefits cards are also shifting to chip-enabled cards. In late XXXX, President Obama signed an executive order requiring that this technology be used in all government-issued credit and debit cards. The XXXX initiative requires the use of chip-and-PIN security on government-issued cards through the General Services Administration. '' Bank of America was aware yet made a conscious decision to use a less secure card for Government benefits and in doing this, knowingly and deliberately disregarded the current Minimum Requirement of Security Standards of the XXXX chip and as a financial institution of its capacity and legal advisors surely knew the grounds and protocols if such a unsecure card was used, and knowing that, \" the issuing bank IS LIABLE '' it should be understood as well that Bank of America was prepared to take full accountability and responsibility of issues involving unauthorized transactions. With the decision to use outdated and unsecure debit cards is clear that they fully understood the liability their decision. \n\nI apologize for the length of this, however, i could continue to outline the many other issues supporting my claim but I feel this is enough to influence the decision and result in a decision in my favor and funds credited to my account.","date_sent_to_company":"2024-02-28T13:43:53.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"92394","tags":null,"has_narrative":true,"complaint_id":"8437133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-02-28T13:29:48.000Z","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":["The claims were not given a proper <em>investigation</em> and <em>definitely</em> can not be <em>called</em> \" <em>Reasonable</em> <em>effort</em> ''. The claims department obviously is still using the Automated Fraud Filter that was found to by the CFPB to be an \" unfair act or practice '' and is a violation of Sections 1031 and 1036 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U S.C."]},"sort":[7.9529533,"8437133"]},{"_index":"complaint-public-v1","_id":"2881286","_score":7.6318183,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are several glaring inaccuracies on my Transunion credit report that I have submitted quite a few online disputes including documentation in the past few years with no recourse. On XX/XX/XXXX, I sent Transunion a formal ( notarized & certified ) request asking them to reinvestigate and verify several of these accounts. I also requested the description in which they would be using to verify these accounts as it seems my requests for a legitimate investigation have simply been blown off. In response, not only did I basically receive a copy of my unchanged Transunion credit report ( dated XX/XX/XXXX ) stating the accounts were \" verified '' ( with no information on the description they used to \" verify '' any of the information ) but they also attached an address where I've NEVER resided ( in a state halfway across the country from my residence ) AS WELL AS a new mysterious collection account on behalf of a utility company I had never heard of - for my troubles. \n\nPlease note, prior to Transunion receiving my initial formal request on XX/XX/XXXX for them to verify the specific accounts listed, I had already personally reached out to a few of these creditors directly and had in my possession documentation that several of the accounts Transunion for years listed as being derogatory had already either been PAID - as well as correspondences going back over 3 years where the creditors stated they reached out to Transunion on several occasions and yet nothing happened. I even have copies of my receipts of payments to one of the main creditors that I have vehemently disputed for years - ALL of which were already previously sent to Transunion. In addition, I have letters from creditors stating outright that they themselves could not locate my accounts in their database. Yet somehow Transunion is continuously able to \" verify '' the information with these very same creditors? It is not unreasonable to doubt that any investigation/reinvestigation of ANY of these accounts ever occurred. \n\nI then sent my second request ( notarized and certified ) to Transunion on XX/XX/XXXX exercising my rights under the FCRA further insisting on their methods of verification. I also requested a copy of the original creditor 's documentation that by law they are supposed to have on file. If they had neither method nor documentation on file, not only did I insist on my right to have the accounts deleted, but I also included several of the above listed creditor responses AS WELL AS additional supporting documents from XXXX  and XXXX XXXX ( one of Transunions own partners ) who both so happened to notify me on XX/XX/XXXX of the FIVE credit databreaches that I was reported to have been involved in during the past few years. I included these notices and creditor letters in my request as an effort of good faith hoping that someone would finally take my requests seriously and simply do the job of verifying the account information. However in early XX/XX/XXXX even after all of the supporting documents, I STILL received another boilerplate credit report. \n\nNevertheless, I persisted. On my third attempt on XX/XX/XXXX, I mailed yet another certified and notarized request to Transunion advising them that it had now been 59 days since my initial request for a reinvestigation. I insisted that the unverified accounts be removed as they were now in clear violation of the FCRA, yet those accounts remained. Instead, what they DID do was send me a notice dated XX/XX/XXXX ( a full 69 DAYS from Transunion 's certified receipt of my first request ) inserting someone's name ( who that person is, I have no idea ) onto one account giving no additional details and filed a fraud alert on my behalf with another creditor. Several other accounts still remain completely unchanged. \n\nAs if that was not bad enough, I contacted the mysterious collection account that seemed to suddenly appear on my credit report after my initial request, ( XXXX XXXX XXXX XXXX on behalf of XXXX XXXX/a utility company clear across the country from me ) and not only was I advised by the representative  that they have no record of anyone from Transunion contacting them about verifying this account, they themselves caught this error MONTHS ago and reached out to Transunion ( as well as their client ) several times since the beginning of the year - in fact, as recently as XX/XX/XXXX ; each time requesting a deletion from my credit report. On my phone call today ( XX/XX/XXXX ) to XXXX XXXX XXXX XXXX ( I also called on XX/XX/XXXX ), I spoke with Account Representative, XXXX, and put in a 2nd request for them to mail me the official recall documents confirming the error, recall and dates that they submitted these recall requests directly to Transunion ; which I will be more than happy to upload to this complaint upon receipt. In the meantime, XXXX XXXX XXXX XXXX ' phone number is XXXX and XXXX and her supervisor have been more than helpful and accommodating. \n\nLastly, for good measure, although no new additional derogatory information has been added, immediately after my second & third letters, Transunion has decreased my score a few points ( only to bring it back up again a few points but never making any real substantial changes ). \n\nOutside of the blatant FCRA violations, I also personally think the reporting of the ADDITIONAL ( false ) address/creditor/collection agency information on my credit, the shaving off of a few points here and there as well as the filing of a fraud alert to a company versus actually doing the job of verifying accounts upon request shows a deeper insidious pattern of Transunion intentionally using scare tactics on customers from demanding fair credit reporting on their part. With my documentation, I believe I can clearly show that even after a more than decent amount of communication and effort on my part, a reasonable person can see that Transunion did NOT do the reinvestigation they claimed to have completed since they received my initial request way back on on XX/XX/XXXX, that they aren't above using intimidation tactics to attempt to scare customers from following up and demanding their rights be upheld and they definitely did not handle this before XX/XX/XXXX which was the duration of the timely 45 days as required by law. \n\nPlease note, after logging this complaint, I will also be emailing this to Transunion CEO, XXXX XXXX. Thank you.","date_sent_to_company":"2018-04-19T19:00:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30238","tags":null,"has_narrative":true,"complaint_id":"2881286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-19T18:50:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["With my documentation, I believe I can clearly show that even after a more than decent amount of communication and <em>effort</em> on my part, a <em>reasonable</em> person can see that Transunion did NOT do the reinvestigation they claimed to have completed since they received my initial request way back on on XX/XX/XXXX, that they aren't above using intimidation tactics to attempt to scare customers from following up and demanding their rights be upheld and they <em>definitely</em> did not handle this before XX/XX/XXXX which"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[7.6318183,"2881286"]},{"_index":"complaint-public-v1","_id":"4109736","_score":6.74448,"_source":{"product":"Checking or savings account","complaint_what_happened":"I set up a conference call with Wells Fargo on Thursday, XX/XX/XXXX and Wells Fargo decided not to attend. Below is the email response from Wells Fargo CANCELLING BECAUSE NONE OF THE ITEMS I WANTED TO TALK ABOUT ARE RELATED TO THE SBA LOAN BEING DELINQUENT... \n\n___________________________________________________________________ ___________________________________________________________________ BEGINNING OF EMAIL Mr. XXXX, I am writing to confirm our receipt of your conference call invite to discuss your SBA loan number ending in XXXX along with a myriad of issues unrelated to the SBA Loan. As expressed in our letter dated XX/XX/XXXX, we desire to reach an amicable solution to this matter and are open to any reasonable proposition that you would bring forth, however, with all due respect, we do not believe it to be productive to discuss your loan with the dozens of parties you have invited to such call, many of which we do not know the identity of, and we are respectfully declining such request. We would like to have a call with you, any necessary business partners and attorneys for the borrowing entities, and our attorneys. As stated in our last correspondence, I welcome you to contact me for such a productive conversation. Pursuant to your request, however, attached please find the requested Third Party Authorization. \n\n\n\nPlease note that we are giving you the opportunity to discuss a proposed course of action in good faith, however, as stated in our XX/XX/XXXX letter, we do not consider your proposed solutions contained in your conference call invite to be reasonable propositions. We also do not intend to discuss issues unrelated to the SBA Loan, and we would respectfully request that our discussions be limited to the SBA Loan and your efforts to make payment thereof. \n\n\n\nXXXX XXXX Vice President Team Lead XXXX XXXX XXXX Idaho Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX END OF EMAIL ___________________________________________________________________ ___________________________________________________________________ So Wells Fargo only wants to talk about the SBA loan being delinquent but not the Wells Fargo contributing factors that caused me to be delinquent and they are telling me which 3rd parties I can and can not invite. Below is my response to their lackluster, arrogant, and ignorant reason for not wanting to attend the conference call... \n\n___________________________________________________________________ ___________________________________________________________________ BEGINNING OF EMAIL Don/Carissa/EBryant, I disagree with you about all of the \" OTHER '' issues being unrelated to the SBA loan and not including the other invitees on the call ( some of them have Wells Fargo bank accounts )... I hope you are kidding me.\n\nI will take the liberty of using more of my free time that I will never get bank thanks to Wells Fargo 's arrogance, ignorance, recklessness, failure to act in good faith, apparent racism by your CEO which is a reflection on Wells Fargo and yes I can go on. \n\nYou want to talk about the money I owe you but instead let 's talk about the money you owe me? \n\nBut here are some facts that you are well aware of that are directly correlated to the loan being delinquent...\n\n1 ) FRAUDS - I was impacted by the fraud and the collateral damages. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n2 ) FINANCIAL STATEMENTS - XXXX, you asked for my financial statements when your SBA department approved 6 SBA loan deferments but no working capital ; and when you received my financial statements, the predatory loans were listed on them and it was very clear that I was paying predatory interest rates. And you acknowledged this in one of our phone calls that I made the high-interest payments of {$800.00} per day while still making payments of {$15000.00} per month. But I could no longer afford to make these payments because very few businesses can afford to pay predatory loans back and survive. But my point is your SBA Dept. approved of the loans or let 's just call it a \" technical approval '' for your hired gun lawyer on the email chain... Technical Approval means Wells Fargo just turned its head the other way and said nothing or did nothing while knowing this is poor risk mitigation as an SBA lender and a steward of the SBA program. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n3 ) STEERING ME TO PREDATORY LENDERS - I spoke with XXXX XXXX, my business banker, and he told me on the phone and by email, I should check out these other lenders which were XXXX XXXX XXXX XXXX XXXX XXXX lenders aka predatory lenders. I sent a copy of the email to XXXX and as expected, she did not reply. I never heard of this group of predatory lenders... I called several of them and they told me how their program works with the high-interest charges ( some of the rates were 30 % over a 3-6 month period - you and your team are bankers so you can do the math on effective annualized interest rates and can see that these payments are ridiculous and not sustainable. Under no circumstances should a bank be allowed to put tax-payer dollars at risk with these kinds of loans and then to have Wells Fargo technically approve them. This is insane that Wells Fargo is allowed to operate this way. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n4 ) STILL ONGOING SELF-INVESTIGATION - by now you know the history with this one. How can an investigation into my tiny company take almost 2 years WITH NOT SENSE OF URGENCY knowing you are destroying my company because I can not operate business since no other lender is willing to work with me ( to provide working capital ) until the investigation is finalized!!!!! And then I had 13 ( I sent XXXX this email ) employees who got tired of waiting and QUIT. So in effect, Wells Fargo used unconscionable conduct and undue influence to technically take over my business operations which did nothing but force us to shut down until the Pandemic gave us a new lifeline. Imagine that - Wells Fargo is so arrogant and ignorant that they don't invite me or ask me to participate in a still-ongoing investigation THAT I AM APART OF... you can not make this up and then Wells Fargo has the nerve to pick and choose which complaints they want to respond to and lie/exaggerate on other complaints. This is an insult to my intelligence - just imagine the unmitigated gall to think I would not say something and then to invite your hired gun lawyer on this email as if Wells Fargo has a position on this matter and others you can support - what the XXXX is wrong with Wells Fargo? You have to be kidding me to insult me like this. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n5 ) TELL ME I AM STILL RESPONSIBLE FOR ACCRUED INTEREST and OTHER EXPENSES during the 2-year SELF-INVESTIGATION with at least 23 delay letters letting me know you need more time to complete your investigation while forcing me into a technical default because no one would provide working capital to me while the investigation is going on and then when I finally line up Opportunity Zone lenders and investors ( see 6 below ) who could have saved the day with access to working capital, you take 7 months to get back to me!!!!! and you expect me to pay the SBA loan payments with interest and pay property taxes and federal / state taxes you had me on lockdown. ARE YOU FREAKIN KIDDING ME? I DID NOT HOLD YOUR HANDS AND MADE YOU TAKE 2 YEARS TO COMPLETE AN INVESTIGATION THAT SHOULD HAVE TAKEN 1 MONTH. SO XXXX NO I AM NOT PAYING 2 YEARS OF ANYTHING WHEN WELLS FARGO ENGAGES IN A SELF-INVESTIGATION. WHAT THE XXXX DO YOU THINK THIS IS AND WHO I THE XXXX DO YOU THINK I AM? PLEASE WAKE UP, THE FRAUD IS SUPPOSED TO BE OVER I THOUGHT. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n6 ) BORROWER 's CONSENT FORM - this one is easy...\n\n6.1 ) where is the borrower 's consent form on file from 3 prior ( before Wells Fargo decided to start demanding I sign one ) conference calls? I am sure you have them on file if you suddenly started demanding that I sign one, at least one would think!!!!... I have been asking for this for over a year now and Wells Fargo has avoided my request. How can this be explained? SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n6.2 ) one of the XXXX XXXX lenders visited my plant and was totally impressed with my operations and his only concern \" Wells Fargo has a history of not doing anything to help ( not the exact words but you get the drift ) ''. So they waited and waited and waited and nothing until about 7 months later with the poorly crafted playbook excuse about I did not sign a borrower 's consent form!!!!... this was an insult to my intelligence as a human being, as a XXXX person, as a family person ( with kids just like you and your hired gun lawyer - what possible logical excuse can I give them for why I am being treated this way ), as an employer with employees looking for leadership from me and I can go on. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n6.3 ) then you, XXXX, asked me, someone realized Wells Fargo screwed up, to go back to see if the XXXX XXXX Lenders and Investors were still intested and of course after waiting 7 months for a reply from Wells Fargo they ran out of funds. What the XXXX do you think was going to happen. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n6.4 ) Then Wells Fargo has the nerve to find a clause in my SBA agreements \" on file '' that says they can hire a 3rd party lawyer to come after me!!!!!!!!!!! another insult to my intelligence... after more than 1 year, you can not find a \" borrower 's consent form \" on file '' but you IMMEDIATELY found \" on file '' the clause allowing you to hire a lawyer to come after me. Do you think I am an XXXX or is it because I am XXXX or both that you did not think I would catch this and many other inconsistencies? take your pick because it does not make a difference. And at this point, I have done all of this without a lawyer. Yes it was an insult to my intelligence. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n6.5 ) So I missed out on $ XXXX $ XXXX in working capital. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n6.6 ) Then in the last conference call we had, Wells Fargo suddenly requires I sign a Borrower 's Consent form for all of the invitees as if that would correct the wrongs. And then to make matters worse, you turned down my customer 's offer to personally, out of their own pocket, offer working capital if Wells Fargo would match it!!!!! and you said no. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n6.7 ) WHERE IS THE BORROWER 'S CONSENT FORM ON FILE THAT I SIGNED AUTHORIZING WELLS FARGO TO TALK ABOUT MY BUSINESS WITH THESE XXXX OTHER PRIOR 3RD PARTIES? I MUST HAVE ASKED FOR THIS ABOUT 20 TIMES.\n\n7 ) REVENUE TREND - my revenue was trending upwards, I was picking up new accounts, hiring new employees and then when the fraud hit there was a direct correlation with the drop in revenue primarily tied to Wells Fargo suddenly turning the back on me as if they never met me. And the drop continued and some of it was related to the SELF-Investigation I had no control over ( discussed in item 4 above ). SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n8 ) COMMITTEE OF HIGH-LEVEL EXECUTIVES MEETING DAILY SINCE XX/XX/XXXX TO DEVELOP RECOMMENDATIONS ON SOCIETAL INEQUALITIES FACING XXXX EMPLOYEES AND CUSTOMER - this one is definitely related to my SBA loan because clearly I was not and I still am not being treated fairly. I want to inform or advise this committee on my unfortunate reckless experiences with Wells Fargo so they can hopefully remedy the situation and make sure it does not happen to another small business and especially a black-owned business. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n9 ) FIX MY CREDIT - my credit was great until the fraud. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n10 ) OTHER INVITEE 'S FOR THE CONFERENCE CALL - these are a combination of other minority-owned companies and budding entrepreneurs who see the opportunity of a 100 % black-owned sportswear manufacturing company and the last time I checked, we are the only black-owned sportswear manufacturing company that now has the capabilities to manufacture PPE surgical gowns. So just like Wells Fargo has an army of resources they can afford to call to battle, I have the same right to do the same thing. And many of these invitees are customers who want to see me back in business - ask XXXX about the XXXX 's and XXXX 's totaling over {>= $1,000,000} and most of it is PPE related and she ignored every single email. So these invitees are potential customers, strategic partners and employees, end prospective employees all of whom are in shock about how Wells Fargo is treating me for something that I had no control over. Many of the invitees know just as much about this case as your hired gun lawyer and some know even more because they have personally experienced similar treatment but on a smaller scale. I have no idea what you are afraid of by me inviting others who can help me get back on track? What are you afraid of? SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY and WILL HELP ME GET BACK ON TRACK AND IS ON THE CONFERENCE CALL AGENDA. \n11 ) JOE BIDEN 's EXECUTIVE ORDER TO BUY AMERICAN - we are a made in America manufacturer so I want to talk about why Wells Fargo can not support Joe Biden 's Buy America plan especially considering he wants to target companies like mind that are located in below the federal poverty level communities with people of XXXX living there. So I want to hear it from Wells Fargo why they would not be interested in providing working capital to Platinum Sportswear when you clearly screwed me over and now you have another opportunity ( after screwing me over with the Opportunity Zone lenders and investors ) to look like the bank you want to be. And let us not forget we are located in an XXXX XXXX and a XXXX - which means we automatically get set aside funds to do business with the federal government.\n\n12 ) PANDEMIC - the country is in a crisis and people are dying from Covid-19 and Wells Fargo is conducting business as usual. How in the XXXX can you and your hired gun lawyer sleep at night? I have asked for help to expand and grow the business as a PPE manufacturer and we did that on our own by teaching ourselves how to manufacture PPE surgical gowns... .and Wells Fargo doubles down on stupidity and arrogance and still refuses to help. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n13 ) PROPERTY TAXES, STATE TAXES, AND FEDERAL TAXES - I am delinquent for all of the reasons above and many more. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n14 ) REVENUE STRATEGIES TO GET BACK ON TRACK IN ORDER TO BE ABLE TO RE-START PAYING THE MONTHLY SBA LOAN : 14.1 ) REAL ESTATE COLLATERAL - clearly no one will provide working capital unless they have collateral and guess who is sitting on the collateral? Arrogant Wells Fargo. So in the conference call, I want Wells Fargo to explain to me and everyone else on the call how can any company get access to working capital needed to front the money to fund their operations in order to begin to generate revenue so that they can begin making payments on their obligations. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA. \n14.2 ) CUSTOMERS - many of my customers are still with me and similar to the {$5.00} XXXX in XXXX 's and XXXX 's that were ignored by XXXX, these customers are critical to generating revenue. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n14.3 ) STRATEGIC PARTNERS and MINORITY OWNED BUSINESSES ON THE CONFERENCE CALL INVITATION - these groups have new revenue opportunities that they will bring to the table with XXXX XXXX. SO YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA.\n\n15 ) WELLS FARGO TURNS AWAY AN INVESTIGATIVE REPORTER FROM THE XXXX - YES THIS IS CONNECTED TO MY SBA DELINQUENCY AND IS ON THE CONFERENCE CALL AGENDA. \n15 ) AND MANY MANY MORE - If we need more than one conference call to discuss how all of these issues are directly correlated to the delinquency of my SBA loan, then let 's do it.\n\nRecently, I read an article that former president Donald Trump owes Wells Fargo over {$1.00} XXXX dollars and I am sure there are other crooks Wells Fargo has no problem doing business with. So my point is don't nickel and dime me for bad loans you have to or may have write-off - just take it out of your reserves. My loan is not a bad loan - everything was going great until the frauds, collateral damages, arrogance, and ignorance of Wells Fargo, racists comments by your 3rd CEO in 3 years ( wait a minute... 3 CEO 's in 3 years and you want to paint a picture that my company has issues that Wells Fargo created!!! unbelievable ), recklessness, unwillingness to stop harming me and my business, failure to act in good faith and you know I can go on. \n\n\nSo the above issues are tied to my SBA loan being delinquent and therefore should be on the conference call agenda. Despite Wells Fargo screwing me over and over again, I have proven that I have everything a business needs to be successful... \na ) I sent XXXX 's and XXXX 's in excess of {$5.00} XXXX to XXXX and she ignored them, b ) I was able to re-invent the business to manufacture PPE surgical gowns, c ) I sent letters of intent to business with me from my top customers to XXXX and she ignored them, d ) I have equipment and employees, e ) I lined up working capital with opportunity zone lenders and investors and XXXX takes 7 months to get back to me and the rest is history, f ) and I can go on and on but the bottom line is my business was strong and still is and I would love to see you point out one weakness directly tied to me that would give you doubt about Platinum Sportswear. If Wells Fargo was not in the picture, we would still be in business and growing.\n\nIf it was not for the pandemic, you would have liquidated my business by now. The pandemic interrupted Wells Fargo 's profit before people strategy - it is just that simple. Wells Fargo drove the bus already and just look at what and where it got me!!!\n\nTalk to me and respect me just like you do with your white customers. Don't insult my intelligence as noted above.\n\nTHE OVERRIDING QUESTION IS... HOW CAN I MAKE PAYMENTS TO ANYONE WITHOUT WORKING CAPITAL NEEDED TO GENERATE REVENUE IN ORDER TO MAKE PAYMENTS. SO THE ORIENTATION OF THE CONFERENCE CALL SHOULD BE HOW CAN WELLS FARGO HELP ME WITH WORKING CAPITAL THAT CAN BE USED TO GENERATE REVENUE TO BEGIN REPAYING THE SBA LOAN!\n\nThe \" Myriad of issues '' ( as you describe them in your email below ) is related to the SBA loan and has to be part of the discussion and anyone who wants to participate in the conference call with me should not be a problem because they want to know how they can help ; a 5-year-old can see that. Please stop insulting my intelligence.\n\nLET ME KNOW IF THE CALL IS STILL ON - I want to start working on the borrower 's consent forms for each invitee and get them to you ASAP.\n\nEND OF EMAIL ___________________________________________________________________ ___________________________________________________________________","date_sent_to_company":"2021-02-02T00:37:10.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"30071","tags":"Older American","has_narrative":true,"complaint_id":"4109736","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-02-01T23:41:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["Please note that we are giving you the opportunity to discuss a proposed course of action in good faith, however, as stated in our XX/XX/XXXX letter, we do not consider your proposed solutions contained in your conference <em>call</em> invite to be <em>reasonable</em> propositions. We also do not intend to discuss issues unrelated to the SBA Loan, and we would respectfully request that our discussions be limited to the SBA Loan and your <em>efforts</em> to make payment thereof."]},"sort":[6.74448,"4109736"]},{"_index":"complaint-public-v1","_id":"11316743","_score":6.072398,"_source":{"product":"Checking or savings account","complaint_what_happened":"To whom it concerns, As a Financial Instituion, A Bank must investigate and conduct a reasonable proper investigation of unauthorized transactions. Independent Financial is attempting to Dishonor Regulation E, and Believes they are above all Financial Regulations and Rules. To protect consumers, the Electronic Fund Transfer Act ( EFTA ), as implemented by Regulation E, requires financial institutions to investigate when a consumer notifies them of an error for an electronic fund transfer ( EFT ), to communicate the results within specific timelines and correct the error if one is found, and to limit the consumers liability if the error involves unauthorized transactions. Independent Financial not only denied my unauthorized transaction claim, they closed and \" Ended the Banking Relationship '' as they state so they do not have to provide further evidence. I believe this bank is violating Regulation E Guidelines, and I do not believe they are conducting proper investigations, I will provide some evidence below. First and foremost, the Bank has not only falsely accused me, they have not provided sufficient supporting documentation which is in my right to request either. Independent Financial was notified on XX/XX/XXXX that my debit card and pin number and wallet and phone were stolen. At the same time a dispute was opened. Transactions had occurred at multiple places, when I was able to review the transaction history by statement that I had to call in and request. First and foremost these transactions were conducted at a XXXX XXXX In XXXX Oklahoma, and a XXXX XXXX in XXXX Oklahoma. I live in XXXX, Texas. These locations are between 2-3 Hours away from me. I did not visit these merchants or establishments at any point in time, and I did not conduct business at these merchants. I will provide further transaction evidence below. I notified Independent Financial within 60 Day 's Which is required by law. Once you receive your statement, If you determine there is an error on the account, then you must notify the bank promptly which is what I have done. Instead of conducting a proper regulation E investigation, It was determined by XXXX XXXX, that He doesn't have to conduct an investigation. By Email his response said he conducted his own \" Review '' Investigation and determined that no error occurred. In the claim Denial letter it states I can request Documentation used in their investigation by calling Customer Service. However XXXX has stated that he does not have to provide documentation used in his investigation because he doesn't believe he has to. Even though it states that on company letter head. So he has advised XXXX XXXX to close and end the banking relationship, To shush me from calling in and requesting documentation used in their investigation. Instead of Following Banking Guidelines the bank chooses to end the customer relationship, and instead FALSELY accuse the customer the victim of theft of being the one conducting the theft. This is false. Secondly, They state that the transactions were conducted at my Home Address. That's not possible because the merchants themselves, XXXX and XXXX XXXX said that the transactions occurred by Physical Card swipe, and Pin Key. So again this is false information they are providing in their response. They also state they previously responded to the matter on XX/XX/XXXX and in their response their \" Review Concluded that the activity in the account was believed to be intentional '' Therefore they were unable to approve the claim. As I stated previously, When a wallet is stolen and you are robbed for your wallet, That is not intentional. No victim would choose to have their wallet robbed or intentionally stolen. I believe based on that statement that the bank is bias and proceeding to write false information and hate against a victim of theft in efforts to not have to resolve the issues at hand. The Bank has not conducted a proper investigation. It is not possible to pay for XXXX or XXXX XXXX from my home. I did not grant anyone permission to use my account, I did not intentionally get robbed or choose that either. This is slander for one, and I really believe the CFPB Should further investigate into this financial institution for what they are writing to consumers. XXXX XXXX may have proceeded from the theft. That's why he can't conduct a proper investigation. At this point it isn't clear. I filed a police report after Independent Financial Demanded I file one, and the police department Detective Page from the XXXX Police Department was investigating the crime however someone from Independent financial named XXXX called her and told her they would conduct their own investigation and that they did not want XXXX Police Department to further investigate the crime. XXXX. A Bank is responsible for fraudulent transactions that are conducted from a stolen Debit card and unauthorized EFT Transfer. The Bank is refusing to cooperate because the bank would rather end customer relationships, and hope that the customer doesn't pursue legal means to fight the bank in a court of law. At this point Independent Financial has stolen over {$5000.00} from me and It's unacceptable. I have provided documentation proof. The bank ended the customer relationship because the bank knows that I didn't conduct the fraud, If the bank wants to continue to falsely slander me, then I want documentation proof that shows that I was intentionally robbed. I do not want to see a false accusation in their response again. The bank believes they are above all consumer protection laws, they are financially abusing customers and victims of fraud. They fail to follow their due diligence when opening customers accounts. As I stated it's not possible to conduct a transaction that requires a physical customer signature and or physical customer card insert from your home address. However according to independent financial that the transactions occurred from my physical home address in XXXX Texas, and somehow processed in XXXX Oklahoma and XXXX Oklahoma. Which is not possible. I am a victim of fraud, and I do believe at this point Independent Financial owes me documentation used in their investigation, an apology letter, and XXXX XXXX. As, Independent Financial has bypassed following the EFT ACT, and Has attempted to bypass XXXX XXXX Liability Policy, and Lastly, has definitely bypassed investigating the unauthorized transactions that occurred with the stolen debit card and pin. Much less to their statement of stating that I conducted the transactions intentionally, from my home address WHICH IS FALSE. As I stated previously, No one wants to be intentionally robbed. I stated where I was robbed, and I provided supporting documentation. An Identity Theft Affidavit, A Police Report, and Proof that the police report listed the transactions from Independent Financial. Independent Financial can end the banking relationship that is fine, because I didn't do anything. I am a victim of theft, and I did not intentionally rob myself. That doesn't make sense and that is not conducting a proper investigation. I am requesting Documentation used in their investigation, and I am requesting that the bank be investigated for Violating Consumer Laws and Rights. Especially Regulation E. Since this bank is a CFPB Regulated bank, I would like for Independent Financial to be investigated by the CFPB. Regulation E is not being followed by this bank, and instead they are falsely accusing consumers that are victims of theft and fraud, and refusing to conduct a proper investigation, refusing to provide documentation. If a Claim is Denied a Bank must provide supporting documentation that strongly supports the denial at a consumers request, which this bank is refusing to honor. In their Letter on Company Letter head it even states I am entitled to request documentation used in their investigation. However when I did so, they told me they have to transfer me to XXXX XXXX and they called over XXXX XXXX XXXX and got no response. They have no documentation. Truly, all the Bank has done is slander and falsely accuse me the victim of fraud. The Bank owes me for the fraudulent transactions and I fully expect my cashiers check or funds. I can pickup in branch. I am not going away, and I do not believe my issues are being addressed. Also I never filed a dispute on any online banking transfers that occurred. I filed a dispute on the transactions listed below which occurred by PHYSICAL CARD SWIPE AND BY ENTERING THE CARD NUMBER. This requires a pin number and additionally, these transactions correlate to me being robbed. I did not intentionally rob myself, and I did not intentionally have anyone rob me. However in their latest response it states that I said I disputed the online banking transfers that occurred which is false. The Transactions I have listed below all show to be physical card swipes POS transactions and ATM Withdrawals and these are the transactions I have disputed. These transactions are unauthorized. These transactions are protected by mastercard XXXX liability policy, and Additionally, In the rules and regulations these transactions are protected by Regulation E. I did not intentionally conduct these transactions. These transactions were conducted and my wallet and card and pin were stolen as I mentioned these transactions were not conducted from my home address it's very frustrating to be told and slandered that you were intentionally robbed. No one wants to intentionally be robbed I assure you that. I did not conduct these charges. I listed the transactions below and also on my police report. The Police Report that is attached, and the email submission picture proof shows that the report was filed with these listed transactions to the XXXX Police Department. This is further proof that I am a victim of fraud. Again I am not disputing Online Transfers. I am disputing transactions I did not conduct with a card and pin that were stolen. Robbed. I am a victim of robbery/theft and not the person whom conducted the transactions. \n\nXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX  XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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","date_sent_to_company":"2024-12-29T18:34:11.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"75087","tags":null,"has_narrative":true,"complaint_id":"11316743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"INDEPENDENT BANK GROUP, INC.","date_received":"2024-12-29T17:48:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["To whom it concerns, As a Financial Instituion, A Bank must <em>investigate</em> and conduct a <em>reasonable</em> proper <em>investigation</em> of unauthorized transactions. Independent Financial is attempting to Dishonor Regulation E, and Believes they are above all Financial Regulations and Rules."]},"sort":[6.072398,"11316743"]},{"_index":"complaint-public-v1","_id":"2897107","_score":5.65768,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently complained to the CFPB indicating that no legitimate validation of debt took place at all when I formally requested a reinvestigation into several disputes that Transunion continued to \" verify ''. As I 100 % KNOW that the information is incorrect, I have attempted to resolve this matter with Transunion time and again yet they refuse to remove information that was not verified or clearly found to be incorrect, and they failed to provide the requested description of the procedures used to determine the accuracy of the requested information in a timely manner of under 45 days as requested by law. I also personally feel they did everything in their power to intimidate me into not following up and demanding my rights be exercised. At this point, this is blatant negligence and a violation of the law. Additionally, per my complaint submitted to the CFPB on XX/XX/XXXX I have SINCE received additional erroneous information. I FINALLY received a letter from one the creditors ( XXXX XXXX - that Transunion documented numerous times that they \" verified '' ) indicating they received a notice for validation. This letter was dated on XX/XX/XXXX. My initial request to Transunion to validate this debt was received by Transunion on XX/XX/XXXX. To add further insult to injury, the \" validation '' was for a CURRENT XX/XX/XXXX bill from XXXX! 1. I absolutely do not have ANY active accounts with XXXX. 2. It's mighty coincidental that 6 days after my CFPB complaint regarding my suspicions of Transunion actually taking the steps to validate their reporting of customer accounts that this company FINALLY sends me \" validation '' and 3. If I HAD an active account with XXXX, how is it that Transunion has been \" verifying '' this information yet reporting this account as being CLOSED? \n\nTransunion 's response per my initial complaint was : \" Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported. For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. We store information in our records as it is supplied to us by your creditors. Contact information for each creditor is provided on your credit report for review. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly '' Today I have uploaded documentation from SEVERAL creditors that have either explicitly stated I have no account with them, HAD no account with them, they couldn't locate my information or the information \" verified '' was just plain WRONG. Yet, Transunion continues to \" verify '' this information as correct, using intimidation and insidious tactics to dissuade victims from speaking out ( like adding a collector & erroneous addresses to your accounts when you complain - but when you follow up with the CFPB, make comments that there are currently no other addresses on your account effectively skipping over the fact that several letters, postage and time was spent in between to get them to remove said new false information ) as well as updating the date of last reporting whenever I RIGHTFULLY exercise my rights under the FCRA thereby continuously keeping my credit poor. With the receipt of this \" validation '' letter of this non-active yet active account from this creditor ONLY SIX DAYS after my CFPB complaint, yet ONE HUNDRED AND THREE DAYS from my initial reinvestigation request to Transunion, clearly Transunion has NEVER attempted to validate this account. \n\nBelow is my previous complaint : There are several glaring inaccuracies on my Transunion credit report that I have submitted quite a few online disputes including documentation in the past few years with no recourse. On XX/XX/XXXX, I sent Transunion a formal ( notarized & certified ) request asking them to reinvestigate and verify several of these accounts. I also requested the description in which they would be using to verify these accounts as it seems my requests for a legitimate investigation have simply been blown off. In response, not only did I basically receive a copy of my unchanged Transunion credit report ( dated XX/XX/XXXX ) stating the accounts were \" verified '' ( with no information on the description they used to \" verify '' any of the information ) but they also attached an address where I've NEVER resided ( in a state halfway across the country from my residence ) AS WELL AS a new mysterious collection account on behalf of a utility company I had never heard of - for my troubles. Please note, prior to Transunion receiving my initial formal request on XX/XX/XXXX for them to verify the specific accounts listed, I had already personally reached out to a few of these creditors directly and had in my possession documentation that several of the accounts Transunion for years listed as being derogatory had already either been PAID - as well as correspondences going back over 3 years where the creditors stated they reached out to Transunion on several occasions and yet nothing happened. I even have copies of my receipts of payments to one of the main creditors that I have vehemently disputed for years - ALL of which were already previously sent to Transunion. In addition, I have letters from creditors stating outright that they themselves could not locate my accounts in their database. Yet somehow Transunion is continuously able to \" verify '' the information with these very same creditors? It is not unreasonable to doubt that any investigation/reinvestigation of ANY of these accounts ever occurred. I then sent my second request ( notarized and certified ) to Transunion on XX/XX/XXXX exercising my rights under the FCRA further insisting on their methods of verification. I also requested a copy of the original creditor 's documentation that by law they are supposed to have on file. If they had neither method nor documentation on file, not only did I insist on my right to have the accounts deleted, but I also included several of the above listed creditor responses AS WELL AS additional supporting documents from XXXX and XXXX XXXX ( one of Transunions own partners ) who both so happened to notify me on XX/XX/XXXX of the FIVE credit databreaches that I was reported to have been involved in during the past few years. I included these notices and creditor letters in my request as an effort of good faith hoping that someone would finally take my requests seriously and simply do the job of verifying the account information. However in early XX/XX/XXXX even after all of the supporting documents, I STILL received another boilerplate credit report. Nevertheless, I persisted. On my third attempt on XX/XX/XXXX, I mailed yet another certified and notarized request to Transunion advising them that it had now been 59 days since my initial request for a reinvestigation. I insisted that the unverified accounts be removed as they were now in clear violation of the FCRA, yet those accounts remained. Instead, what they DID do was send me a notice dated XX/XX/XXXX ( a full 69 DAYS from Transunion 's certified receipt of my first request ) inserting someone's name ( who that person is, I have no idea ) onto one account giving no additional details and filed a fraud alert on my behalf with another creditor. Several other accounts still remain completely unchanged. As if that was not bad enough, I contacted the mysterious collection account that seemed to suddenly appear on my credit report after my initial request, ( XXXX XXXX XXXX XXXX on behalf of XXXX XXXXa utility company clear across the country from me ) and not only was I advised by the representative that they have no record of anyone from Transunion contacting them about verifying this account, they themselves caught this error MONTHS ago and reached out to Transunion ( as well as their client ) several times since the beginning of the year - in fact, as recently as XX/XX/XXXX ; each time requesting a deletion from my credit report. On my phone call today ( XX/XX/XXXX ) to XXXX XXXX XXXX XXXX ( I also called on XX/XX/XXXX ), I spoke with Account Representative, XXXX, and put in a 2nd request for them to mail me the official recall documents confirming the error, recall and dates that they submitted these recall requests directly to Transunion ; which I will be more than happy to upload to this complaint upon receipt. In the meantime, XXXX XXXX XXXX XXXX ' phone number is XXXX and XXXX and her supervisor have been more than helpful and accommodating. Lastly, for good measure, although no new additional derogatory information has been added, immediately after my second & third letters, Transunion has decreased my score a few points ( only to bring it back up again a few points but never making any real substantial changes ).  Outside of the blatant FCRA violations, I also personally think the reporting of the ADDITIONAL ( false ) address/creditor/collection agency information on my credit, the shaving off of a few points here and there as well as the filing of a fraud alert to a company versus actually doing the job of verifying accounts upon request shows a deeper insidious pattern of Transunion intentionally using scare tactics on customers from demanding fair credit reporting on their part. With my documentation, I believe I can clearly show that even after a more than decent amount of communication and effort on my part, a reasonable person can see that Transunion did NOT do the reinvestigation they claimed to have completed since they received my initial request way back on on XX/XX/XXXX, that they aren't above using intimidation tactics to attempt to scare customers from following up and demanding their rights be upheld and they definitely did not handle this before XX/XX/XXXX which was the duration of the timely 45 days as required by law. Please note, after logging this complaint, I will also be emailing this to Transunion CEO, XXXX XXXX. Thank you.","date_sent_to_company":"2018-05-04T06:00:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30238","tags":null,"has_narrative":true,"complaint_id":"2897107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-05-04T04:45:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["With my documentation, I believe I can clearly show that even after a more than decent amount of communication and <em>effort</em> on my part, a <em>reasonable</em> person can see that Transunion did NOT do the reinvestigation they claimed to have completed since they received my initial request way back on on XX/XX/XXXX, that they aren't above using intimidation tactics to attempt to scare customers from following up and demanding their rights be upheld and they <em>definitely</em> did not handle this before XX/XX/XXXX which"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[5.65768,"2897107"]},{"_index":"complaint-public-v1","_id":"2732780","_score":5.384039,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened a \" XXXX XXXX XXXX Business Credit Card '' through American Express on XX/XX/XXXX. My fiance had watched me open the account and confirmed the signup bonus. American Express was running a promotion for this card - all applicants who apply beforeXX/XX/XXXX receive the following terms : \" Earn XXXX bonus starpoints after you use your new card to make {$5000.00} in purchases within the first 3 months and an extra XXXX bonus starpoints after you make an additional {$3000.00} in purchases within the first 6 months. '' I spent {$5000.00} within 3 months and I received the XXXX starwood points as promised - this posted on XXXX/XXXX/XXXX. I completed the {$8000.00} spending requirement on XXXX XXXX and waited for my statement day of XXXX XXXX to see if anything had posted - it had not. I created a case in late XXXX / XXXX XXXX with American Express. After the hours of efforts I have spent via chat and several phones calls with XXXX to try to resolve, I have gotten nowhere. they claim that the XXXX promotional bonus was not attached to my account, but I have a screenshot of the application page before I submit that says otherwise. They will not accept the screenshot though, so it appears I am out of luck. \n\nThe thing is, I applied on XXXX XXXX via a referral link - i still have the link if required. I have been following this promotion very closely as I had really wanted this credit card. The promotion was started XXXX time and ran through XXXX XXXX. Being so late in the promotional period, the only possible links generated - affiliate, referral, or otherwise - was the XXXX offer. The fact that I do n't have the XXXX offer attached to my account is beyond me. After searching the internet, I have found several other instances of American Express XXXX XXXX XXXX Business credit card account holders who applied in late XXXX having a similar issue with their second bonuses posting. There is even a blog post about it : XXXX XXXX XXXX I can attach any more details, statements, screenshots, or instances of other people on the internet i have found having similar issues. \n\nThe XXXX supervisor I discussed with pretty much flat out said I was lying and was asking how I knew more about the card than she did. I mentioned I do n't, but I do n't open credit cards lightly and I did a ton of research before and after getting the card, and all the issues other people had. The person who referred me HAD to have referred me with a XXXX link because he previously sent me a XXXX referral link that had expired and he had to regenerate a brand new link to show XXXX for me. \n\nI feel lied to about the partnership and trust I put in Amex and XXXX. And again, I 'm not the only one having a similar issue. In addition to the blog post above, see all of the research and datapoints of other people having the issues with the XXXX XXXX cards. See below in Appendix. \n\nI understand that the extra XXXX points are a lot to ask for here, but I feel that American Express should have a vested interest in ensuring that their loyal customers have their rights honored and given the benefit of the doubt in the wake of all the confusion and issues. From all the research and other data points provided, I feel there has there is reason enough to believe that American Express has some glitch or technical issue in their database that is capturing the wrong signup bonuses for these XXXX cards. \n\nIf the full XXXX points are n't obtainable, can we please reach some sort of compromise for goodwill and good faith? \n\nI also reached out to American Express as I was told I could write in and ask for a copy of my application to prove what signup and terms I signed up under. After getting a notarized affidavit and several weeks of waiting, the only thing I received in the mail was my basic information that I used when signing up ( ie : name, date of birth, phone number, SSN, etc. ) and my IP address. There was nothing that would prove to me one way or the other that the signup bonus that I signed up under was honored or not. \n\nHonestly, I just want this to be over and am looking for any reasonable resolution. I definitely would not be spending all this time if I did n't think I had a good case. I love Amex and XXXX, but I always get a bad taste in my mouth when I see this card in my wallet now from the situation. \n\nThank you kindly, XXXX XXXX : See research below of other people 's issues : whencanwedothisagain They told me to wait 2 more weeks to see if they show up in my XXXX account. So much for using these points for my trip next month. \nAs of today it shows I have earned the correct number of points on the Amex site but the additional XXXX points are not in my XXXX account. What a mess. \nChecked again today and they said it 's still with the back end team to check back in 2 more weeks. Unreal.\nthemickstar Typically Amex is faster because they post it right after the charges post but I think something has been going on with some business bonuses. Our XXXX bonus was attached fine and posted just a few days ago. \n\nXXXX Yeah I 'm beginning to think that the massive influx of applications for the XXXX cards towards the end of that XXXX offer caused a lot of IT issues for Amex. \nYou 'd think their IT would be able to handle it but more and more they 're proving to be more like Citi. \n\nrovitm Signed up with XXXX offer, only getting XXXX to post nigson Taking 3 months to post XXXX ( in full ) whencanwedothisagain After disputing with Amex for 3 months I finally got my XXXX bonus on my business SPG for the XXXX offer. Win. Then I logged into my SPG account and in addition to my XXXX bonus there was a XXXX and XXXX from Amex. I did not realize Amex could remove points from my XXXX account. \nOne of the reps told me it was a glitch on their end and there had been other disputes filed. No explanation as to what caused the glitch though. \n\nrovitm So I referred my wife to the XXXX XXXX. I used the referral link on Amex.com. My wife applied, was approved and met the XXXX spend. She was denied the bonus. We put in an investigation and was denied. They said they will put in another investigation. I called and spoke to a supervisor. She said the regular and business SPG card are considered the same and that she is not entitled to the bonus. She said on some cards and especially with the Platinum they are considered different products, but for this offer it is not. Has anyone been told this before? I assume many here have used the referral links on XXXX and have not had a problem. I think I will wait a few days and call again. Any suggestions are appreciated. \n\nencin Just followed up with amex on my missing spg biz points from when I met min spend on XXXX for the XXXX offer. This is the second case I opened with them, they decided to just close the first case with no apparent action. \nThe CSR just mentioned that the second case which I opened on XXXX was closed on XXXX, and apparently they confirmed a glitch on their end that did n't properly attach the sign-up promotion code to my account. They verified that I do qualify and that I should be receiving the points, but did n't get give a timeline. I think he mentioned something about this being remediated in a batch or something ... .last time I called I got them to give me XXXX courtesy points for all the calls I put in the last few months ... .. \nI had called so many times, and I was really upset they had closed the previous case I created 8 weeks before with no resolution and she just said she had to create a new case and it would be another 6-8 weeks. I was like how do I know they are n't just going to close this in two weeks and keep telling me the same bs and I demanded something in return. I was hoping for more points but settled for XXXX - she was n't willing to negotiate there mwwalk My wife got the XXXX business back when it was available for XXXX points. We hit the spend immediately and then never received any of the signup bonus points. In XXXX I chatted and they could see the points had not posted despite completing spend so they opened a ticket. I chatted again ever couple weeks and they could never do anything and were really annoying ( and lazy ). Today, the bonus points finally posted. Thank goodness. For those that will want to know, they never called or emailed to ask questions. A significant portion of the $ XXXX MSR was done with MS , probably about 65 % of it. But none of it at Level 3 data supplying stores and I put in a bunch of other smaller charges as well - genuinely used it for everyday spend except meals/travel. Several charges were {$500.00} from XXXX because I got lazy so it would be pretty obvious what they were, but did n't seem to matter. Yay! If you 're still waiting, have hope. \n\nnetscooby I had signed up for the XXXX XXXX card with the XXXX bonus. After meeting the XXXX spend back in early XXXX with no MS and never having the card, I never received the bonus, not even the XXXX for the XXXX spend. A couple support calls and they finally sent my case to the mysterious back office a couple weeks ago. Follow up today and they stated that I 'm still good and do qualify, but this is a \" Known issue '' for this card. \nAnyone else experiencing this? I would think there would be others experiencing the same thing if this was truly a known issue they are having. \n\nreachforthemiles Yes, there 's many people in the same situation, myself included. Over five calls now with the same answer \" It 's Amex 's fault and we 've opened a case, we 're working on it! \". But never any resolution. The travelcodex link that XXXX [ +4 ] mentioned has additional people in the same situation. \n\nXXXX XXXX : It is known that there was a glitch attaching signup bonuses to applications for the XXXX cards, but I 'm speculating that it may have affected additional product lines during the same time period. The timeframe of the glitch appears to be approximately XXXX XXXX - XXXX XXXX. ( Please provide any DPs to prove me wrong/right. ) Evidence : 1 ) My XXXX application was XXXX and bonus has n't posted after 8 weeks. I opened an AmEx investigation and CFPB case and response so far is : \" We have identified an issue which, regrettably, may have impacted your account. '' 2 )  XXXX is waiting on a XXXX bonus from first week of XXXX. \n3 ) XXXX had trouble getting a XXXX bonus to post. Not sure of his application date, but possibly around then. \n4 ) Users XXXX, XXXX, XXXX, and XXXX on the Travel Codex post are reporting issues from around that time frame on the XXXX Surpass upgrade offer ( I know it 's an upgrade offer, but still maybe related ). \n5 ) Maybe unrelated, but XXXX is missing XXXX XXXX bonus. Do n't know application date, but similar time frame. \n6 ) Obviously many DPs on SPG offer and time frame is at least XXXX XXXX - XXXX XXXX. My application was XXXX XXXX, XXXX was XXXX XXXX, XXXX was XXXX XXXX, XXXX [ +4 ] was XXXX XXXX, and XXXX [ +2 ] was XXXX XXXX. \n7 ) Since the XXXX higher bonuses ended XXXX and many people applied in the final days, we are mostly seeing SPG missing, but I theorize that is just selection bias and the glitch affects other product lines too. \n\nnigson Affected timeline dp : Got my biz SPG XXXX and was waiting quite a while for the bonus to post. Still waiting for it on the SPG website, but at least it 's there in the Amex side. My personal XXXX applied XXXX ( approved XXXX ) bonus posted on time automatically. \nXXXX Add me in as a DP : Applied and approved on XXXX for biz SPG. Hit {$5000.00} + {$3000.00} in XXXX statement. No bonus, and nothing posted in Amex. Chatted and spoke with CSRs that confirmed I passed the threshold, no discussion of any sort of technical glitch. \nXXXX I opened my business spg on XXXX and had problems with the bonus posting. I hit {$5000.00} within the first statement. My XXXX points did not post until about 2 weeks ago.","date_sent_to_company":"2017-11-18T06:55:56.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"53705","tags":null,"has_narrative":true,"complaint_id":"2732780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2017-11-18T01:44:18.000Z","state":"WI","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Honestly, I just want this to be over and am looking for any <em>reasonable</em> resolution. I <em>definitely</em> would not be spending all this time if I did n't think I had a good case. I love Amex and XXXX, but I always get a bad taste in my mouth when I see this card in my wallet now from the situation. \n\nThank you kindly, XXXX XXXX : See research below of other people 's issues : whencanwedothisagain They told me to wait 2 more weeks to see if they show up in my XXXX account."]},"sort":[5.384039,"2732780"]},{"_index":"complaint-public-v1","_id":"4342595","_score":5.302981,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On Tuesday, XX/XX/XXXX at approximately XXXX hrs., I logged onto my personal computer and XXXX XXXX XXXX It brought up several possible sights and I clicked on XXXX XXXX Web Site. My account popped up and showed my last transactions/purchases made. Due to an e-mail I received the night before, which indicated that a package from XXXX was attempted to be delivered but no one was available to accept the package, I went to a tab that appeared on this XXXX web page that said customer service. An XXXX toll free number popped up and I dialed it. A gentlemen answered the phone, XXXX Customer Service how may I help you. I inquired regarding the attempted XXXX delivery because I was home the entire day before. The male identified himself as XXXX XXXX, a customer service rep. He asked me to hold briefly, came back on the phone and stated that he did not see any attempted delivery, although inquired if I had made any recent purchases of a large sum. Upon inquiry, he stated there was over a {$10000.00} pending purchase for materials that related to XXXX. I stated I made no such purchase and that it was definitely a fraudulent purchase. He reviewed my recent transactions and they were exactly the same as the purchases that I had made and were looking at on my XXXX screen. He stated he would put a hold on this transaction and indicated he believed my account was hacked. He further stated they were experiencing a lot of fraudulent transactions on Wells Fargo accounts. At no time did I state I had a Wells Fargo account, although he clearly knew I had one. He then provided me with XXXX XXXX XXXX # XXXX for any future referrals. He recommended that he transfer me to the Wells Fargo Fraud Unit to report said claim and 3 way telephone conference me in with an individual who identified himself as XXXX XXXX from the Wells Fargo Fraud Unit. Mr. XXXX then exited the call stating that the Wells Fargo Fraud Unit would be able to look into the situation. \n\nMr. XXXX advised he was a member of the Wells Fargo Fraud Management Team advising that they had been experiencing a lot of fraudulent claims with the Wells Fargo XXXX in The XXXX XXXX. He stated that their unit believed there was a compromised employee at the branch and they had been working for weeks on attempting to identify the employee. He stated that my IP address on my computer had to be compromised and advised me to run a security scan on my system. I performed said scan with XXXX XXXX XXXX. He also recommended that I download a software program called XXXX so he could look into my system for any compromises to identify the IP address where my system was being compromised. At all times I believed this individual was from Wells Fargo Fraud Unit. He said he was going to scan my system in an effort to identify the IP address where my system was compromised. He asked me to go to the bottom of my screen and type the word SCAN into my system which would allow him to remotely scan the system. He indicated that it would take a while and that he would call me back later that day. After several hours, I received a call from the number he said he would call me from which was XXXX XXXX ( XXXX New Jersey # XXXX. He telephoned me four times later that afternoon and early evening, although I did not answer all his calls. He also sent me text msgs. and left me several voice msgs on my cell #. I do have these text and voice msgs. \nOn Wednesday, XX/XX/XXXX at about XXXX hrs. he telephoned my cell again and stated that I needed to allow him to keep checking my computer system. He also wanted to know why I had a large sum of money in my checking account that he could see. Again, because he appeared to know this information, I truly believed he worked for Wells Fargo Fraud. At advised him I was about to refinance my home. He very calmly stated I need your help in identifying this person at the Wells Fargo XXXX in The XXXX and stated he was going to set up a dummy account and dummy wire transfer from my account to this dummy account, although everything would be a shell for them to utilize catching the employee from inside the Wells Fargo XXXX He further stated that the money would not actually leave the Bank and would be temporarily shown as a withdrawal but placed back into the bank w/in the end of the business day. He came up with the amount of {$48000.00}. Again, I believed he was being truthful. He stated he would be sending me an e-mail instruction with all the information to perform the dummy Wire Transfer and that he wanted me to take the instructions to the branch on XXXX XXXX in The XXXX  and ask them to make the wire transfer. On Wednesday, XX/XX/XXXX around XXXX hrs. I went to the XXXX Wells Fargo XXXX, XXXX XXXX, and handed the instructions for the wire transfer to a representative at the Branch. The Representative identified herself as XXXX XXXX. Ms. XXXX asked what the wire transfer was for and I stated a start up import/export business, just as directed by XXXX XXXX. No other questions were asked of me by Representative XXXX XXXX. She typed up the Wire Transfer and asked me to sign off on the appropriate form. At about XXXX hrs. Mr. XXXX telephoned me again and asked if the Transfer was completed. I advised him it was. He stated he was still running a scan on my computer, although he could not locate any hacking information as of yet. He remained in contact with me for several hours that afternoon. On the same evening I checked my banking information and did not see that the money was placed back into my account. \n\nI stopped the scanning on my computer and did another XXXX search for XXXX. In logging onto my account I had difficulties locating the Customer Service Tab. Late in that evening I telephoned the number on the back of my Wells Fargo debit card and asked if there were any recent transactions on my account, especially for {$10000.00}. I was advised there was not. I advised the gentlemen that I believed I may have been the victim of a fraudulent scheme from the day before and provided a brief synopsis of the situation and he advised me to go back to the bank the following morning and file a report at the same branch of a possible fraud on my account. On Thursday, XX/XX/XXXX, I telephoned the same number on the back of my card and stated that I believed I had just been scammed out of {$48000.00} by wire fraud from the previous afternoon. He also directed me to go back to the same branch where I had make the wire fraud transaction the day before and report a Fraud Scheme to the branch in The XXXX XXXX. \n\nAt about XXXX hrs. on Thursday, XX/XX/XXXX, I responded back to the same branch and contacted the same Representative, XXXX XXXX. I advised her that I was in the afternoon before and performed a wire transfer that I believed was part of an elaborate fraud scheme as the money was no longer in my account. I explained the entire scheme to Ms. XXXX and she immediately picked up the phone on her desk and telephoned the Wire Fraud Unit for Wells Fargo. She advised them of the prior days Wire Transfer I conducted and asked them to terminate the transaction as it was a fraud scheme. XXXX XXXX Wire Transfer. She was apparently advised that they would have to send a WIRE RECALL for the funds to be seized by the XXXX bank. They provided her and me with case # XXXX as the case number assigned. They advised the case would be upgraded to an Investigator. The Investigator from the fraud unit would immediately send out a RECALL request to the bank ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX and request for the funds to be returned due to fraud. While she was on this call, I also telephoned the number on the Wire Transfer Fund form and spoke with an Investigator, XXXX XXXX, regarding the situation. Ms. XXXX stated, based on the recall they should be able to get the money back and should be able to have it resolved, hopefully by Friday, since the case was being escalated to an Investigator. \n\nAdditionally, on Thursday evening I telephoned XXXX after having to enter a security code on their home page at which time they called me. \n\nOn Friday morning, XX/XX/XXXX, I telephoned the Wire Fraud Unit regarding any updates on my claim. After answering several questions, I was transferred to another department in the Fraud Unit and my call was disconnected. I did not receive a return call, so at approximately XXXX hrs. I returned to the Wells Fargo XXXX on XXXX XXXX to ascertain if any updates were available. I contacted Ms. XXXX again who telephoned the Wire Transfer Fraud Unit who advised her they had not heard from the beneficiary bank ( ( XXXX XXXX XXXX XXXX XXXX XXXX and that the bank had five ( 5 ) days to respond to their request at which time they would initiate another WIRE RECALL request and continue to do so every 5 days for 15 days. I also inquired with MsXXXX XXXX about the Wire Transfer form since the form advises on the specific line item that the funds would not be available until XX/XX/XXXX. This same information was pointed out to me on the evening before when I went to the XXXX XXXX, XXXX Sheriffs Department and spoke with Deputy XXXX XXXX XXXX XXXX XXXX advised that they could take a complaint for XXXX, although it would not do any good as it was out of their jurisdiction and all up to Wells Fargo to have the funds retracted. She directed me to file a complaint with the FBI, WWW.IC3.gov unit on-line at IC3.gov as my best solution to resolve this issue. A complaint was therefore not documented by this Agency. I then directed Ms XXXX to the Wire Transfer Form again which states under this line item that the funds would be available on XX/XX/XXXX. While at the bank I had MsXXXX XXXX XXXX Wells Fargo Rep ) contact the Wire Fraud Unit on two other occasions over a period of almost 2 hours to inquire about what additional action they could take to seize the funds or have them retracted. All they would say is that a report was taken and a RECALL notice sent to the beneficiary bank and they had to wait 5 days for a response. They would send a RECALL to the bank every 5 days. I felt that due to the urgency of this situation and that time was of the essence that further action should be taken, although I was advised that they were doing everything possible to recover the funds. I later learned that this was truly not the case. \n\nDuring the course of that day I telephoned the Wells Fargo Fraud Unit at XXXX to see if there were any updates on their ability to recall the funds. In each instance I was advised that they were awaiting a response on the RECALL. I asked why they couldnt call the bank to put them on notice that a RECALL on the Wire Transfer was sent and that the transaction was part of an elaborate fraud scheme. I was advised that they could not contact the XXXX  bank. On the same date at about XXXX hrs. I telephoned the Wire Fraud Dept. again to inquire about the status. In doing so, I spoke to a XXXX XXXX from the Wire Fraud Unit who advised that the case was upgraded and a new case # XXXX  XXXX was assigned to my complaint. This was now the 3rd case # I was assigned from Wells Fargo Fraud Unit. He advised that the RECALL msg was sent on XX/XX/XXXX and that wire transfers typically take 3-5 days to make it to the XXXX  bank, especially in foreign transfers, and that they believed that the funds would be recovered since I reported the incident so quickly. He advised that the process was that Wire Transfers and Wire Transfer requests went through a system called XXXX XXXX out of N.Y. and then to an XXXX bank who would forward the requests on to the XXXX XXXX This was the first time that any explanation was provided to me. In fact, every time I inquired, which I did numerous times, no one would explain the process. \n\nOn the evening before, Thursday, XX/XX/XXXX, I went on line to XXXX again and opened up the XXXX web page that popped up. In doing so, I was unable to find a customer service tab but located a tab that said need help. After clicking on this tab, another tab popped up that directed me to enter a security code that was sent to my cell number. I entered the code and sent the msg. back. About a minute later I received a telephone call from XXXX. I answered the phone and the person on the other line identified herself as XXXX from XXXX. I explained the situation to her and she upgraded my complaint to XXXX XXXX XXXX XXXX advised that XXXX did not have a Customer Service number listed on their Official site, although he also advised that there are numerous bogus web sites when you XXXX XXXX and they are identical images of their Official Web site and are very difficult to tell the difference, but are placed there by scam and/or fraud artists. \n\nOn Saturday, XX/XX/XXXX, I telephoned the Wire Fraud Unit on multiple occasions, spoke to several different individuals, who advised that my complaint had been upgraded. Although in each instance I was advised that the only thing they could do was to wait until they heard from the XXXX bank. See Attached Wire Transfer. I advised each Representative that it was believed that they would her something by Friday, Saturday at the latest, but that no news was being received. I was then advised that since it was the weekend that they would probably definitely her something by Monday. \n\nOn Monday XX/XX/XXXX I telephoned the Wire Fraud Unit several times for updates, although in each instance I was advised that they were still waiting a response from the RECALL. At approximately XXXX hrs., date, I telephoned the XXXX XXXX XXXX again and reached an individual who identified herself as XXXX XXXX Upon questioning her extensively, she advised that I could call Wells Fargo Fraud at XXXX as my case had been escalated. She also provided XXXX XXXX # XXXX as the verification # on the recall. She confirmed that Wells Fargo forwarded a RECALL that the transfer was part of a fraud scheme. She also located XXXX XXXX XXXX XXXX telephone numbers for the bank and recommended that I telephone them. These numbers were : XXXX, XXXX, and XXXX. She indicated that they could not call the XXXXy bank but that I could try and hopefully one of the numbers would allow me to talk to someone. I dialed these numbers repeatedly for several hours but could not get anyone to answer the phone. \n\nOn Tuesday, XX/XX/XXXX, approximately XXXX hrs. I telephoned the XXXX bank at XXXX and spoke to a representative at the bank. This female only spoke XXXX which made conversation very difficult as I am not bilingual. I stated Fraud to her several times when she asked me to hold and transferred me to another person. This person was bilingual although her XXXX was broken and very difficult to understand. I explained that a Fraudulent Wire Transfer was sent to her bank under the name XXXX XXXX XXXX XXXX and provided the account # on the Wire Transfer Form. She advised that I would have to send them a letter detailing the transaction before they could do anything. I advised her a Wire RECALL was sent to them from Wells Fargo Bank in the XXXX She seemed to understand but repeated that I needed to send them correspondence. I then asked about sending an e-mail to them and she provided me an e-mail address that I reviewed with her at least a half dozen times to verify its accuracy. She confirmed that the address was correct and I did send an e-mail, although it was returned as undeliverable. What was interesting to me was that on XX/XX/XXXX, I spoke with a Wells Fargo XXXX XXXX in the XXXX Department by the name XXXX XXXX XXXX XXXX XXXX who indicated that she was bi-lingual and would have been able to communicate effectively with the bank days before, but she indicated i was against Wells Fargo policy for her to do that. \n\nOn the evening of Tuesday, XX/XX/XXXX at about XXXX hours I spoke to a female from the Wells Fargo XXXX XXXX, XXXX Department, XXXX XXXX XXXX XXXX who stated she was in XXXX, Oregon. She confirmed that the XXXX bank notified Wells Fargo that the RECALLS were received and forwarded on to the XXXX bank and they acknowledged the RECALLS. As you could imagine, this whole event was very traumatic and with all the telephone calls and people I spoke to it was becoming difficult to keep names, dates and events in sequence even though I was documenting everything. I believe that it was XXXX who indicated that the notes in their system reflected that the funds had been removed from the beneficiary account holders name. I asked how this could happen when they already had two ( 2 ) wire RECALL notices sent and received before this date. She apologized and said there was nothing they could do. \n\nOn Wednesday, XX/XX/XXXX, at about XXXX hrs. I telephoned the Wire Fraud Unit to inquire about the status of said RECALL. I was not given any information and requested to speak to a supervisor. The individual from the XXXX XXXX Department advised again that the case was being escalated and that I was being transferred to XXXX XXXX XXXX XXXX. I was transferred and a subject answered the phone. He asked if I was XXXX XXXX and I responded affirmatively. The other bank representative advised they would be leaving the telephone call. I asked this individual if they were XXXX since it sounded like a male voice. They stated no, this was XXXX. I stated that I was told I was being transferred to XXXX. The subject stated that their name was XXXX. I again advised that I was told I was being transferred to XXXX. XXXX then stated this is XXXX. I was stunned and asked what is your name. The subject stated that technically their name was XXXX, but they go by the name XXXX. I immediately questioned whom I was talking too and XXXX indicated that they are XXXX but refers to themselves as XXXX. I questioned him again and asked to be transferred to their supervisor. I was advised that there supervisor was not available and I would receive a returned telephone call from their supervisor, XXXX XXXX I was also advised that XXXX XXXX XXXX was XXXX XXXX On XX/XX/XXXX I attempted to reach someone from the Executive Department on four ( 4 ) separate occasions, although I consistently became disconnected from my telephone calls to receive an update. \n\nFinally, on XX/XX/XXXX, I spoke to XXXX XXXX XXXX asked her if she was bi-lingual and she stated yes. I asked why she could not be used as a resource/tool in these types of situations to make a telephone call to banks with XXXX  speaking people to put them on notice that a Fraudulent transfer had occurred and a RECALL had been sent apparently two times now from my phone call on Monday with XXXX who advised that another RECALL was sent on Saturday, XX/XX/XXXX. She just stated it was against Wells Fargo policy. She advised that she was escalating my complaint further up in their Executive Dept. I also spoke with XXXX XXXX from the branch office in the XXXX  XXXX, who advised that she escalated the complaint on XX/XX/XXXX, Friday, and a new case # XXXX was assigned to my situation. \n\nOn Friday, XX/XX/XXXX I telephoned the Wire Fraud Unit again and spoke to XXXX XXXX Department from the Executive Department Team. She advised that the case was escalated to XXXX XXXX, XXXX in the XXXX Department. She took all my information and assigned me a new case # XXXX. She said he hadnt contacted me yet because the situation is still being reviewed and that he would be in touch with me in a couple days. To date, I have yet to receive any telephone calls from XXXX XXXX nor anyone else regarding the review of this loss of {$48000.00}. \n\nBetween Thursday, XX/XX/XXXX, and Tuesday, XX/XX/XXXX I received numerous telephone calls and text msgs. from Mr. XXXX XXXX XXXX the scammer identifying himself as a XXXX from Wells Fargo Fraud Unit Management Team ). I have those text msgs. and voice msgs. on my phone. I did not respond to any of these calls as directed by Wells Fargo Fraud Unit. It was there opinion that he was just trying to keep communication going since the transfer had not taken place yet and that it was a good sign that the money was not actually deposited yet., a RECALL was sent on the morning of Thursday, XX/XX/XXXX, the morning following the afternoon of Wednesday when this whole nightmare started and supposedly a second RECALL was sent again on Saturday, XX/XX/XXXX. \n\nIt is my opinion that a simple phone call by Wells Fargo Fraud Unit by a bi-lingual employee, which they apparently have, could have created a totally different outcome in this situation and that the beneficiary bank could have at least froze the account pending further investigation and evaluation. It is also my opinion that if the FBI would have gotten involved and made a telephone inquiry that the bank would have been aware that the account and the transfer were all part of a fraud scheme. Last, I went to another Wells Fargo XXXX XXXX XXXX, XXXX Where I had resided until just recently and inquired with a banker representative there as to their protocol in processing Wire Transfers. This particular representative was sick to her stomach that no questioning of me was performed by the other bank. The first thing she questioned was the printout I handed her with all the directions on them regarding the Wire Transfer. She immediately asked me If I had ever met this individual who requested the transaction and I stated no. She asked if the other banker asked this question and I said no. She immediately stated that she would have told me it was a fraud scheme and to not make the transfer. She then asked if I had ever sent money to this person before. She then asked how I knew this person and how did I talk to the person. I advised her that it all started through XXXX and XXXX referred me to Mr. XXXX who identified himself as a Manager in the Wells Fargo Fraud Unit. She just stated that she believed that there was due diligence that should be exercised by all employers and especially in large Wire Transfers. She further stated that all bankers should ask several questions due to the high volume and sophisticated nature of all the Fraud Schemes occurring today. \n\nUnfortunately for me, Wells Fargo was unsuccessful in recovering the majority of my life savings I was going to utilize to live in retirement. I do believe that Wells Fargo did not perform their due diligence and did not inquire appropriately at the onset to ensure that the transaction was being done voluntarily and not part of a fraud scheme. I do believe that a couple simple questions by the institution would have red flagged this entire scheme and I would not have been further victimized. Obviously, I am very disappointed that I cant even receive a telephone call from the FBI. I did telephone the FBI in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX only to be transferred in an automated system that disconnected my telephone call every time. I also telephoned the FBI in XXXX, Md and again became disconnected. I did telephone the FBI XXXX in XXXX, Pa on Wednesday afternoon, XX/XX/XXXX, and spoke to a male individual there who stated he would have an experienced Agent call me either by the end of the day or the next morning. Again, I have yet to have anyone respond or a response from my IC3 Fraud Complaint on the FBI Fraud government web page. Although Im sure there are a lot of Fraud Scams in our country, I believe that the timeliness I identified this scam and my immediate actions to have the funds seized/recovered should have been much more successful-even as was stated to me by several Wells Fargo employees. I have been a Wells Fargo customer now for over 30 years and have always trusted their processes. It would be honorable for Wells Fargo to see their lack of due diligence and provide a full refund of my loss. As a large financial institution making hundreds of millions of dollars, I believe that the right thing to do would be to compensate me. Obviously, some form of reasonable compensation in my opinion would be the professional thing to do. I have reached out to two attorneys and am awaiting further direction and guidance. I am also in the process of contacting the Florida XXXX of the Attorney General to see if they are capable of providing and further assistance. I have also received resistence in being given the CEO of Wells Fargo, XXXX XXXX, although eventually did obtain same. I will be forwarding him correspondence at XXXX XXXX, XXXX XXXX, Ca. XXXX and plan to reach out to see if he would consider personally getting involved in this matter. \n\nI am praying everyday that Wells Fargo will help me in some manner. I can be reached at the address and telephone number listed below. Further, there are several attachments of records to this complaint process. I look forward to an amicable and conciliatory resolution to this matter. Although, with all the phone calls and contacts I have already made, it seems apparent that follow up calls are not going to be conducted by Wells Fargo. \n\nUnfortunately for me, Wells Fargo was unsuccessful in recovering the majority of my life savings I was going to utilize to live in retirement. I do believe that Wells Fargo did not perform their due diligence and did not inquire appropriately at the onset to ensure that the transaction was being done voluntarily and not part of a fraud scheme. I do believe that a couple simple questions by the institution would have red flagged this entire scheme and I would not have been further victimized. Obviously, I am very disappointed that I cant even receive a telephone call from the FBI. I did telephone the FBI in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX only to be transferred in an automated system that disconnected my telephone call every time. I also telephoned the FBI in XXXX, Md and again became disconnected. I did telephone the FBI XXXX in XXXX, Pa on Wednesday afternoon, XX/XX/XXXX, and spoke to a male individual there who stated he would have an experienced AgenXXXX call me either by the end of the day or the next morning. Again, I have yet to have anyone respond or a response from my IC3 Fraud Complaint on the FBI Fraud government web page. Although Im sure there are a lot of Fraud Scams in our country, I believe that the timeliness I identified this scam and my immediate actions to have the funds seized/recovered should have been much more successful-even as was stated to me by several Wells Fargo employees. I have been a Wells Fargo customer now for over 30 years and have always trusted their processes. It would be honorable for Wells Fargo to see their lack of due diligence and provide a full refund of my loss. As a large financial institution making hundreds of millions of dollars, I believe that the right thing to do would be to compensate me. Obviously, some form of reasonable compensation in my opinion would be the professional thing to do. I have reached out to two attorneys and am awaiting further direction and guidance. I am also in the process of contacting the Florida XXXX of the Attorney General to see if they are capable of providing and further assistance. I have also received resistence in being given the CEO of Wells Fargo, XXXX XXXX, although eventually did obtain same. I will be forwarding him correspondence at XXXX XXXX, XXXX XXXX, Ca. XXXX and plan to reach out to see if he would consider personally getting involved in this matter. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX XXXX","date_sent_to_company":"2021-05-01T17:11:51.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"32162","tags":null,"has_narrative":true,"complaint_id":"4342595","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-05-01T16:52:18.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["They advised the case would be upgraded to an <em>Investigator</em>. The <em>Investigator</em> from the fraud unit would immediately send out a RECALL request to the bank ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX and request for the funds to be returned due to fraud. While she was on this <em>call</em>, I also telephoned the number on the Wire Transfer Fund form and spoke with an <em>Investigator</em>, XXXX XXXX, regarding the situation. Ms."]},"sort":[5.302981,"4342595"]},{"_index":"complaint-public-v1","_id":"3078113","_score":4.8638973,"_source":{"product":"Debt collection","complaint_what_happened":"Greeting, Back in XX/XX/XXXX I rented a car form XXXX in XXXX, XXXX ( Cars are garaged in small dark basement ) and after returning the car in XXXX ( cars are garaged in opposite conditions outdoors ) their have been trying to collect from me pre-existing \" Regular Wear & Tear '' items - most of these are even obvious by looking at the pictures that they sent in their report. \n\nFor months, I have been trying to get someone at XXXX to put some logic for what their are trying to charge me for, I have asked them to do a little bit of a research on their end but so far they have not be willing to make any effort to assist - In my email below from Mon, XX/XX/XXXX at XXXX XXXX I provided details about : 1- ) the inconsistencies in their process \" no agent walked me to the car '' ; 2- ) tiny parking spaces and poor lighting conditions of their parking garage where I picked up the car ; 3- ) the research that I have done, I have worked with other rental car agencies to analyzed their report and what they are trying to charge me for ( more details on the email that I am attaching ) Since the bill was generated in XXXX, I tried to reached out to the consumer protection agency in XXXX but they have advised me to contact an agency in the country that I reside ** I kindly would like to know if your agency can help me or if you can tell me who I can reach out to for help! \n\nI addition to the emails to XXXX and to the Consumer Protection Agency in XXXX and am also attaching the report that shows the ridiculous minor wear and tear items they are trying to make me paid for XXXX CONTACT INFO : ( Our ref. No. : XXXX ) **Emails : XXXX ; XXXX ** Address : Swords Business Park, Swords, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTACT INFO : ( They recently received the claim - Account XXXX ) ** Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, OH XXXX ** Phone : XXXX ** Fax : XXXX Thanks you very much for your kind attention and have a great day! \n\n\nXXXX THESE ARE THE EMAILS THAT I HAVE SENT TO THEM SEEKING RESOLUTION & FURTHER INVESTIGATION **** -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX Subject : XXXX : Second Invoice XXXX To : XXXX Damage XXXX XXXX XXXX I just received a second invoice \" XXXX '' I already communicated with your team and ask for a higher manager to contact me and nobody did. I reiterate my position : I am more than 100 % that I did not cause these damages and I will not be not paying for them. There are several inconsistencies in your rental process plus charges that other reputable rental companies and even other XXXX locations dont even bother to consider. \n\nHere are the list of inconsistencies in your process that your team needs to consider and investigate : 1. Rental Car Pick Up in XXXX : When picking our car there was only one XXXX Representative at the counter and he did not go to the garage to show us the car around all your rep told us and another customer was : take the keys, paperwork and you can take the car and go. ( the report that you attached confirms that he did not do the walk thru or required my second signature ) The Garage is located in a totally dark basement there is no way for your customers and even your representatives to see minor damages You also need to contact that location and pull previous records for that car to see what those records shows so that you dont try to charge a new customer for an existing minor damage 2. Pictures that you provided : a ) Picture 3, 4 and 5. multiple concerns here : i. There is no way that any customer can see this when picking a car rental from a dark garage basement ii. For any of the major rental car companies an item like this is not listed as it is smaller than the size of a coin you really need to really close to the car to see it XXXX It is really hard to see that even in the daylight time your team in XXXX had to draw circles and arrows and you really expect a customer to see it? trying to charge a customer for this is totally unreasonable! \niii. No one can really tell if the marks showing in this picture is simply dirt or rubber marks that can be washable iv. For any anyone in the car industry knowing that this is a used car, this is considered a regular wear & tear item ( I did not rent a brand new car this car had been rented to more customers ) b ) Picture 7. \ni. All this picture shows is what seems to be dirt under the bumper ii. Why only one picture when for the previous mark several picture were taken? \niii. The dirt in the entire picture shoeing is almost the same color than what the arrow is showing iv. If you look at picture 4 which is a full view of the back of the car, you can not see the dirt/damage you are pointing out here it looks like the location in XXXX is trying to dig and find excuses to perform minor/inexistent repairs c ) Picture .8 i. A Crack in the Start bottom @ - do you seriously believe that a customer when picking a car rental is going to check for something like this? Once again, car was picked up in a dark basement in XXXX and you need to call that location and ask them for pictures of this basement ii. To see a small crack like this you really need to look for the right angle iii. How can a customer manage to crack a piece like this? Once again, trying to charge a customer for this is really absorb and unreasonable 3. Additional research ; I did some additional research on your report, I went to two car rental places one from XXXX and one for XXXX and I also when to a dealership car detailing business and they all agreed in the following : These items are minor and must be considered wear and tear items Items are smaller than the size of a coin therefore they are not even listed when cars get picked up and/or returned For the Crack in the start bottom chances to find or look for something like this during an inspection but either customer or inspectors are really small ( they found this kind of ridiculous ) Please have someone in your upper management team looking into all these inconsistences. There are probably other customers that are unreasonable and unfairly been charged in similar situations affecting them and also affecting XXXX I will be one that moving forward if this claim does not get resolved I will not be considering XXXX as my preferred car rental company I travel at least 5 times a year with an average of 4 days per trip this probably does not seem much but if you multiple that by the number of customers that you are unreasonably charging then the lost of business is huge. Furthermore, I am definitely mentioning this experience to my colleges, friends and family so that they can take the due measurements and avoid getting burned which can result in additional loss of business for XXXX. \n\nI hope you can give reasonable resolution to this matter and most importantly you fix the inconsistencies in your process. Thanks! \n\nXXXX EMAIL TO THE consumer protection agency in XXXX AND THEIR ANSWER Von : XXXX Gesendet XXXX XXXX, XXXX. XX/XX/XXXX XXXX An : iD XXXX XXXX XXXX : Unreasonable/ Unfair Charges on a car rental from XXXX ( minor ware & tear that is normal for cars driven for thousand of miles ) Dear XXXX XXXX, Thank you for your enquiry. \n\nThe XXXX Consumer XXXX XXXX offers support to consumers who are residents of an XXXX Member State, XXXX or XXXX and are involved in disputes with traders based in another XXXX XXXX XXXX, XXXX or XXXX. \n\nAs far as we can discern, you are not a resident of one of these states. Therefore, we can not act on your behalf in this matter. \n\nPerhaps an establishment for consumer protection in your region can be of help. \n\nXXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX. XX/XX/XXXX XXXX An : XXXX Betreff XXXX Unreasonable/ Unfair Charges on a car rental from XXXX ( minor ware & tear that is normal for cars driven for thousand of miles ) Good morning, I hope this email finds you well! \n\nI am desperate looking for help! My wife and I visited XXXX with the hope of having great memories from such great country, we did have a wonderful time but we are now having the worst nightmare due to the Unreasonable/unfair treatment that we are receiving from XXXX ( Car Rental ) which are trying to collect {$1300.00} from us for minor ware & tear that is normal for a car that was previously driven for thousand of miles I have been trying to get someone at XXXX to put some logic for what their are trying to charge me for, I have asked them to do a little bit of a research on their end but so far they have not be willing to make any effort to assist - In my email from Mon, XX/XX/XXXX at XXXX XXXX I provided details about : 1- ) the inconsistencies and their process \" no agent walked me to the car '' ; 2- ) they poor lighting condition of their parking garage where I pick up the car ; 3- ) the research that I have done, I have worked with other rental car agencies to analyzed their report and what they are trying to charge me for I have waiting two months for any sort of feedback and they have not provided any but instead their are sending me to collections which is going to have a vert negative impact in my credit history which I have been building for years with nothing negative I kindly would like to know if your agency can help me or if you can tell me who I can reach out to for help! ( I have attached the report that shows the ridiculous minor wear and tear items they are trying to make me paid for -their contact info is in that document and their email is : XXXX ) Thanks you very much for your kind attention and have a great day! \n\nRespectfully, XXXX XXXX","date_sent_to_company":"2018-11-19T17:44:50.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"3078113","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Media Collections, Inc","date_received":"2018-11-19T16:29:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Here are the list of inconsistencies in your process that your team needs to consider and <em>investigate</em> : 1."]},"sort":[4.8638973,"3078113"]},{"_index":"complaint-public-v1","_id":"10023628","_score":4.488163,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Peace and Love To All Who Read This. \nPer the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. Your power of attorney has been removed. Effective Immediately.\n\nThe success of your company and your notes depends on your ability to provide accurate information to your customers and to protect that information among other things. However, you failed to take care of the living men and women whose information youre profiting off of without them even knowing while failing to provide any benefit to them.\n\nAs an investor and one forced into peonage because of a fake system your organization operates, this is a notice to inform you that due to your actions and negligence, you are no longer allowed to carelessly use my personal identifiable information or my social security number to make a profit without my benefit. Due to self-proclaimed consumer reporting agencies like yourself, Ive spent an extensive amount of time and money rebuilding my credit, removing my information from the dark web, canceling cards, bank accounts, etc. I was made aware of the fact that you guys are selling my information after reading your SEC Filings. Youre selling my credit file and report as securities and to companies every month in general as well every time I try to use my credit in the market. Ive been getting turned down by company after company when trying to get credit cards and loans when Im simply trying to rebuild my credit and get my life back in order. This is a fake system that you continue to feed knowing that consumers have the right to credit no matter their score because the credit is coming from their personal estate account tied to their social security number and not from the lender. The lenders create money out of thin air so they arent actually lending me anything. Your credit system is used to punish consumers and keep them trapped in misery. \nYoure aXX/XX/XXXX. You are a private for-profit organization acting as a government entity. As a consumer reporting agency, youre only supposed to provide my info to government organizations regarding child support. You have stolen my nonpublic personal information and youre using it to make money without my permission or consent. I didnt give you permission to obtain my information and youre using my personal information to cause me harm with no remorse. \nWe do not have a contractual agreement with each other in any form or fashion. I never gave you permission to collect my personal information from any external or internal source and I definitely didnt give you permission to sell it to make a profit. This is considered identity theft and fraud. I am unable to purchase a vehicle or perform simple day to day pleasantries due to defamatory reporting. Im tired of the constant excuses of how you guys dont control the info shown on your site when we both know that its a lie.\n\nYour credit reporting has stifled my business making it hard for me to get loans needed that would help my business grow. Due to the slowdown in business, I was forced to look for employment. I have missed out on several jobs that I was more than qualified for, but didnt make it past the background check despite having a clean criminal record.\n\nWith that being said, Im prepared to file a lawsuit unless my demands are met. I will also take my personal CUSIP and send that information over to the SEC as evidence about how youre selling information on the secondary market. Then Ill file a 211, 3949-a on your company and a 1099b on that CUSIP with the IRS. Ill get the FTC and OCC involved as well just because. I will also mention these other claims which include negligence, unjust enrichment, racketeering, organized crime, forced slavery, and a violation of the FCRA. Then Im going to start teaching people how to go after you guys the same exact way! \nYou will find your violations down below, but of course you guys know what laws youre breaking every single day. I expect a prompt response and settlement of this issue within 10 days. \n\nLaws For Enforcement Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 18 U.S. Code 1961 - Definitions ( 1 ) racketeering activity sections 891894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1956 ( relating to the laundering of monetary instruments ), fraud in the sale of securities P.L. 90321, Approved XX/XX/XXXX ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.\n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\n15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( k ) Adverse Action.\n\n( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports In general ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nP.L. 90321, Approved XX/XX/XXXX ( 82 Stat. 146 ) SEC. 604. [ 15 U.S.C. 1681b ] ( a ) IN GENERAL.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XX/XX/XXXX ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. \n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.\n\n( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages 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}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter 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.\n\n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.\n\nPrivacy Act of 1974 ( 5 U.S. Code 552a ) DEFINITIONS.For purposes of this section ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be- ( 12 ) to a consumer reporting agency in accordance with section 3711 ( f ) of title 31.\n\n12 CFR 1016.1 - Purpose and scope.\n\n( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.\n\n12 CFR 1016.4 - Initial privacy notice to consumers required.\n\nInitial privacy notice to consumers required.\n\n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part.\n\n12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.\n\n( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\n( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.\n\n( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. \n( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. \n( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n( i ) Duration of consumer 's opt out direction.\n\n( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\n15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : SUMMARY | Prospectus 424b4 TransUnion TransUnion is a leading global risk and information solutions provider to businesses and consumers. We provide consumer reports, risk scores, analytical services and decisioning capabilities to businesses. Businesses embed our solutions into their process workflows to acquire new customers, assess consumer ability to pay for services, identify cross-selling opportunities, measure and manage debt portfolio risk, collect debt, verify consumer identities and investigate potential fraud. Consumers use our solutions to view their credit profiles and access analytical tools that help them understand and manage their personal information and take precautions against identity theft. We are differentiated by our comprehensive and unique datasets, our next-generation technology and our analytics and decisioning capabilities, which enable us to deliver insights across the entire consumer lifecycle. We believe we are the largest provider of risk and information solutions in the United States to possess both nationwide consumer credit data and comprehensive, diverse public records data, which allows us to better predict behaviors, assess risk and address a broader set of business issues for our customers. We have deep domain expertise across a number of attractive industries, sometimes referred to as verticals, including financial services, insurance and healthcare. We have a global presence in over 30 countries across XXXX XXXX, XXXX, XXXX XXXX and XXXX.","date_sent_to_company":"2024-09-04T05:26:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"10023628","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-04T05:21:02.000Z","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":["Every consumer reporting agency shall make a <em>reasonable</em> <em>effort</em> to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has <em>reasonable</em> grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title."]},"sort":[4.488163,"10023628"]},{"_index":"complaint-public-v1","_id":"9737901","_score":3.8236623,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In lieu of payment and performance, these respondents mentioned below are attempting to violate a consumer in every way possible, including TILA. Pursuant to multiple unlawful acts and denied means committed by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this notice serves as INTENT TO SUE and notice to the OFFICE OF COMPTROLLER, OCC, FTC, SEC, IRS, FED WIRE , YOUR LOCAL FEDERAL RESERVE BANK, MY LOCAL XXXX, What plans these companies had to convey rights, interest, principal is unknown. What is known is they attempted to coerce, trick and steal. An \" amended '' promissory note was needed before anyone will agree to the terms and conditions, clauses and provisions. That did not happen. Deception. As an issuer of credit and issuer of notes and securities, your performance to the obligations is necessary to pursue and harass. The drawer of the funds must be you. The ORIGINAL source of the funds can not be derived from SS account number requested by your entity portrayed as \" IDENTITY VERIFICATION PURPOSES ONLY. '' THAT WAS A LIE. IT WAS USED TO LIE TO THE FRB AND furthermore increase the national debt by failing to pay back what you took on behalf of the public transmitting utility. \n\nAS REQUESTED, THE BANK OF FIRST DEPOSIT IS INVALID AND WAS PURPOSELY CONCEALED. \n\nTHE ROUTING NUMBER WAS ALTERED AND WHITE-OUT APPLIED TO CONCEAL THE TRUE SOURCE OF FUNDS. \n\nATTACHED IS THE FEDWIRE PARTICIPANT INFORMATION SHOWING PROOF AS TO HOW XXXX obtained funds on my behalf and are actual borrowers. I do not care what was signed under attempted coercion as documented and displayed by XXXX XXXX and XXXX. The concealment of facts include misrepresenting a routing number as a serial number, primary account of the entity concealed due to fraudulent conveyance, amongst a slew of other discoveries. \n\nAll aforementioned including REGISTERED and unregistered agents, drawees, trustees, directors, all board members of all persons is in violation of multiple laws set forth by Congress pertaining to account # ending XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person ( XXXX ) ( XXXX XXXX XXXX XXXX ) making the report. Furthermore 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer to any consumer reporting agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not possibly even collect on an alleged discharged debt. According to the INTERNAL REVENUE SERVICES it is considered income. It is also a certificate of indebtedness. It has also been declared as a loss and XXXX XXXX XXXX XXXX has misrepresented that fact, intentionally and grossly. Therefore, it can not and shall be reported. A charge off is clearly defined as Gross or Ordinary income. We have requested and demanded proof from all aforementioned by way of affidavit certifying and reflecting the original true source of funds. The company has chosen to us the mailing system to send deceptive forms. While we appreciate the proof of the fact is the account is not balanced due to the failure of the fiduciary of this constructive trust, the answers needed to perform have yet to be answered as requested by affidavit under penalty and perjury. According to the law, INCOME IS TO NOT BE REPORTED AND IS IN FACT BEING REPORTED TO MULTIPLE CREDIT FILES. IT IS NOT TO BE REPORTED ON ANY CONSUMER REPORT. In fact, these willingly and knowingly actions by aforementioned parties makes this account inaccurate. Feel free to look at the law from a real government agency, bureau directly from the IRS website. IRS clearly and conspicuously reads Cancelled debt and or a Charge off is Income. Whose income, was it? Because of XXXX acquiesce to the questions needed in order to uncover this conspiracy, it is a fact that XXXX never loaned any XXXX member its assets, stocks, bonds, reserves. Instead XXXX XXXX XXXX XXXX deceptively conveyed personal assets and in book entry form, recorded said assets as their own. Then attempeted to loan back the assets. FOUL. It is a fact that XXXX XXXX agreement on file with their local FEDERAL RESERVE BANK clearly states they are the borrower and I have deposited the total subject amount that is being reported to file. The reporting of this account as a debt is grossly inaccurate. The estate never received a XXXX from XXXX XXXX XXXX XXXX nor any other aforementioned parties for the alleged cancelled debt of XXXX XXXX XXXX { {$27000.00} }. It is a fact it was ordinary income for their entities and subsidiaries. It is a fact that I am not only due the total amount but also due {$40000.00} for non-return of the original application. It is on their book entries as an asset and receivable. \n\nThey have refused to release to the consumer despite being approved. This is and was unlawful Quid pro quo actions. I have not received a XXXX because there is no true debt nor contract that exist. Please feel free to skim the document from your entity clearly stating NO CONTRACT EXIST as of XX/XX/XXXX. This is an attempt to violate ALL TYPES OF rights established to regulate fair business practices and protect unaware customers, members and consumers. To force any natural person to contract is out right unlawful. Feel free to review the United States Constitution. This company who is not a part of any United States government is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. Note : DONOT ATTEMPT TO SEND THIS ESTATE ANY XXXX AS IT will further constitute fraud and we donot participate in tax schemes or evasion. This is unsatisfactory! \n\n\n\nXXXX XXXX XXXX XXXX has been HEREBY PUT ON FINAL NOTICE that they are furnishing incorrect inaccurate information. The aforementioned XXXX parties such as all holding companies for EQUIFAX, XXXX AND XXXX have no excuse as they will be recieving a copy as well. The terms and conditions they agreed not to share my information with non affiliates without consent. EQUIFAX XXXX, XXXX XXXX XXXX and XXXX are not an affiliate of any aforementioned parties nor are they \" bureaus ''. The law states CFPB is the only official bureau and they in fact do not furnish credit files nor consumer reports. I have also provided a copy of the letter sent via XXXX. Mail stating the alleged debt is valid by XXXX XXXX XXXX XXXX. I also have statement of account and the intermediaries and or agents refuse to balance the account. They have also continued to use US mail to send deceptive forms for the purpose of extorting a consumer. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer any and all authorization known and unknown is hereby revoked. This includes but not limited to written, non-written, verbal and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer the chose to opt out of any and all authorization is hereby demanded. I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. I shall also point out the parties responsibility pursuant to 15 U.S. Code section 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. According to the XXXX XXXX XXXX XXXX XXXX TOOK THE PRINCIPLE AND deleted the interest due to claimant. This is the only 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ( XXXX ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than XXXX months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( XXXX ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( XXXX ) Nothing in paragraph ( b ) ( XXXX ) of this section prohibits a creditor from terminating an account that is inactive for XXXX or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( XXXX ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( XXXX ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( XXXX ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( XXXX ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate, it was necessary to provide all requested documentation. The recorded phone call is proof of the request for information and validity. The deceptive forms sent via mail is proof of breach of fiduciary duties. The breach of contract and account stated claim can and will be proven. The equity and security interest due to claimant will be proven. The XXXX perfected security interest will be proven as no POWER OF ATTORNEY OR DELEGATION OF AUTHORITY WAS GRANTED to lien or bond any private property, assets or notes. The misrepresentation and failure to disclose the true nature of this alleged transaction will be proven. It will also be proven this company discriminates against certain races and classes by denials of their own extensions of credit. It will also be proven that my assets are listed on the book keeping entries of XXXX and or all aforementioned parties as assets, not liabilities. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, its agents, representatives, board members, brokers are attempting to act as fiduciaries and beneficiaries of a constructive or implied trust, stripping the entitled secured party from unalienable rights. The defamation of my persons reputation has been affected causing financial harm, medical injury by stress, and irreparable damages. \n\n\n\n\n\n\n\nThe following invoice is attached for the time it took to have to put this company on notice as it refuses to comply or follow federal laws. May I also reiterate that this company blatantly states on the attached file, THERE is no consumer loan on file to reference to. How can a loan exist if no valid nor contract exist. Under no circumstances were shares, dividends, interest, principal, stock, bonds or certificates gifted nor given to any of the aforementioned parties. Under no circumstances should an account state past due, charge off or late when there is no agreement nor have XXXX performed under their own note as issuer of funds received initially from the FRB on behalf of the ESTATE of XXXX XXXX. When XXXX DEPOSITS XXXX of its own assets, stock, bonds, shares to a KNOWN checking account with the account owner named as XXXX XXXX, a debt may have been due. The instrument also used to bond my estate consumer to a lien is fraud as no POA was signed, no contract exist, no security interest was given or gifted, no collateral was used. they can keep the shares and dividends til a claim is filed. Using the account owners name and likeliness for unjust enrichment without authorization is unlawful. XXXX needs to investigate also as the account insured for your tactics and failures as a secondary intermediary, fiduciary and or agent have caused damages DELETE THE ACCOUNT OR UPDATE TO PAID IN FULL. I may only be contacted via UNITED STATES POSTAL SERVICE by mail between the hours of XXXX and XXXX. Any other time is inconvenient. feel free to commit MAIL FRAUD by sending deceptive forms made to believe performance from the estate and or consumer is needed. A payment is definitely needed as the principal and interest due to consumers estate is needed seeing as though you have tried to fraudulently act as trustee and beneficiaries.","date_sent_to_company":"2024-08-07T17:48:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48228","tags":null,"has_narrative":true,"complaint_id":"9737901","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-07T17:48:56.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A payment is <em>definitely</em> needed as the principal and interest due to consumers estate is needed seeing as though you have tried to fraudulently act as trustee and beneficiaries."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[3.8236623,"9737901"]},{"_index":"complaint-public-v1","_id":"9737900","_score":3.8156176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In lieu of payment and performance, these respondents mentioned below are attempting to violate a consumer in every way possible, including TILA. Pursuant to multiple unlawful acts and denied means committed by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this notice serves as INTENT TO SUE and notice to the OFFICE OF COMPTROLLER, OCC, FTC, SEC, IRS, FED WIRE , YOUR LOCAL FEDERAL RESERVE BANK, MY LOCAL XXXX, What plans these companies had to convey rights, interest, principal is unknown. What is known is they attempted to coerce, trick and steal. An \" amended '' promissory note was needed before anyone will agree to the terms and conditions, clauses and provisions. That did not happen. Deception. As an issuer of credit and issuer of notes and securities, your performance to the obligations is necessary to pursue and harass. The drawer of the funds must be you. The ORIGINAL source of the funds can not be derived from SS account number requested by your entity portrayed as \" IDENTITY VERIFICATION PURPOSES ONLY. '' THAT WAS A LIE. IT WAS USED TO LIE TO THE XXXX AND furthermore increase the national debt by failing to pay back what you took on behalf of the public transmitting utility. \n\nAS REQUESTED, THE BANK OF FIRST DEPOSIT IS INVALID AND WAS PURPOSELY CONCEALED. \n\nTHE ROUTING NUMBER WAS ALTERED AND WHITE-OUT APPLIED TO CONCEAL THE TRUE SOURCE OF FUNDS. \n\nATTACHED IS THE FEDWIRE PARTICIPANT INFORMATION SHOWING PROOF AS TO HOW XXXX obtained funds on my behalf and are actual borrowers. I do not care what was signed under attempted coercion as documented and displayed by XXXX XXXX and XXXX. The concealment of facts include misrepresenting a routing number as a serial number, primary account of the entity concealed due to fraudulent conveyance, amongst a slew of other discoveries. \n\nAll aforementioned including REGISTERED and unregistered agents, drawees, trustees, directors, all board members of all persons is in violation of multiple laws set forth by Congress pertaining to account # ending 9947. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person ( XXXX ) ( XXXX XXXX XXXX XXXX ) making the report. Furthermore 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer to any consumer reporting agency ( EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN INFORMATION SOLUTIONS, 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 if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not possibly even collect on an alleged discharged debt. According to the INTERNAL REVENUE SERVICES it is considered income. It is also a certificate of indebtedness. It has also been declared as a loss and XXXX XXXX XXXX XXXX has misrepresented that fact, intentionally and grossly. Therefore, it can not and shall be reported. A charge off is clearly defined as Gross or Ordinary income. We have requested and demanded proof from all aforementioned by way of affidavit certifying and reflecting the original true source of funds. The company has chosen to us the mailing system to send deceptive forms. While we appreciate the proof of the fact is the account is not balanced due to the failure of the fiduciary of this constructive trust, the answers needed to perform have yet to be answered as requested by affidavit under penalty and perjury. According to the law, INCOME IS TO NOT BE REPORTED AND IS IN FACT BEING REPORTED TO MULTIPLE CREDIT FILES. IT IS NOT TO BE REPORTED ON ANY CONSUMER REPORT. In fact, these willingly and knowingly actions by aforementioned parties makes this account inaccurate. Feel free to look at the law from a real government agency, bureau directly from the IRS website. IRS clearly and conspicuously reads Cancelled debt and or a Charge off is Income. Whose income, was it? Because of XXXX acquiesce to the questions needed in order to uncover this conspiracy, it is a fact that XXXX never loaned any XXXX member its assets, stocks, bonds, reserves. Instead XXXX XXXX XXXX XXXX deceptively conveyed personal assets and in book entry form, recorded said assets as their own. Then attempeted to loan back the assets. FOUL. It is a fact that XXXX XXXX agreement on file with their local FEDERAL RESERVE BANK clearly states they are the borrower and I have deposited the total subject amount that is being reported to file. The reporting of this account as a debt is grossly inaccurate. The estate never received a XXXX from XXXX XXXX XXXX XXXX nor any other aforementioned parties for the alleged cancelled debt of XXXX XXXX XXXX { {$27000.00} }. It is a fact it was ordinary income for their entities and subsidiaries. It is a fact that I am not only due the total amount but also due {$40000.00} for non-return of the original application. It is on their book entries as an asset and receivable. \n\nThey have refused to release to the consumer despite being approved. This is and was unlawful Quid pro quo actions. I have not received a XXXX because there is no true debt nor contract that exist. Please feel free to skim the document from your entity clearly stating NO CONTRACT EXIST as of XX/XX/XXXX. This is an attempt to violate ALL TYPES OF rights established to regulate fair business practices and protect unaware customers, members and consumers. To force any natural person to contract is out right unlawful. Feel free to review the United States Constitution. This company who is not a part of any United States government is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. Note : DONOT ATTEMPT TO SEND THIS ESTATE ANY XXXX AS IT will further constitute fraud and we donot participate in tax schemes or evasion. This is unsatisfactory! \n\n\n\nXXXX XXXX XXXX XXXX has been HEREBY PUT ON FINAL NOTICE that they are furnishing incorrect inaccurate information. The aforementioned XXXX parties such as all holding companies for XXXX, XXXX AND EXPERIAN have no excuse as they will be recieving a copy as well. The terms and conditions they agreed not to share my information with non affiliates without consent. XXXX XXXX, EXPERIAN INFORMATION SOLUTIONS, and XXXX are not an affiliate of any aforementioned parties nor are they \" bureaus ''. The law states CFPB is the only official bureau and they in fact do not furnish credit files nor consumer reports. I have also provided a copy of the letter sent via US. Mail stating the alleged debt is valid by XXXX XXXX XXXX XXXX. I also have statement of account and the intermediaries and or agents refuse to balance the account. They have also continued to use US mail to send deceptive forms for the purpose of extorting a consumer. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer any and all authorization known and unknown is hereby revoked. This includes but not limited to written, non-written, verbal and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer the chose to opt out of any and all authorization is hereby demanded. I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. I shall also point out the parties responsibility pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. According to the ledger XXXX XXXX XXXX XXXX TOOK THE PRINCIPLE AND deleted the interest due to claimant. This is the only 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ( XXXX ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than XXXX months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( XXXX ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( XXXX ) Nothing in paragraph ( b ) ( XXXX ) of this section prohibits a creditor from terminating an account that is inactive for XXXX or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( XXXX ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( XXXX ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( XXXX ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate, it was necessary to provide all requested documentation. The recorded phone call is proof of the request for information and validity. The deceptive forms sent via mail is proof of breach of fiduciary duties. The breach of contract and account stated claim can and will be proven. The equity and security interest due to claimant will be proven. The un perfected security interest will be proven as no POWER OF ATTORNEY OR DELEGATION OF AUTHORITY WAS GRANTED to lien or bond any private property, assets or notes. The misrepresentation and failure to disclose the true nature of this alleged transaction will be proven. It will also be proven this company discriminates against certain races and classes by denials of their own extensions of credit. It will also be proven that my assets are listed on the book keeping entries of XXXX and or all aforementioned parties as assets, not liabilities. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX, its agents, representatives, board members, brokers are attempting to act as fiduciaries and beneficiaries of a constructive or implied trust, stripping the entitled secured party from unalienable rights. The defamation of my persons reputation has been affected causing financial harm, medical injury by stress, and irreparable damages. \n\n\n\n\n\n\n\nThe following invoice is attached for the time it took to have to put this company on notice as it refuses to comply or follow federal laws. May I also reiterate that this company blatantly states on the attached file, THERE is no consumer loan on file to reference to. How can a loan exist if no valid nor contract exist. Under no circumstances were shares, dividends, interest, principal, stock, bonds or certificates gifted nor given to any of the aforementioned parties. Under no circumstances should an account state past due, charge off or late when there is no agreement nor have XXXX performed under their own note as issuer of funds received initially from the XXXX on behalf of the ESTATE of XXXX XXXX. When XXXX DEPOSITS XXXX of its own assets, stock, bonds, shares to a KNOWN checking account with the account owner named as XXXX XXXX, a debt may have been due. The instrument also used to bond my estate consumer to a lien is fraud as no POA was signed, no contract exist, no security interest was given or gifted, no collateral was used. they can keep the shares and dividends til a claim is filed. Using the account owners name and likeliness for unjust enrichment without authorization is unlawful. XXXX needs to investigate also as the account insured for your tactics and failures as a secondary intermediary, fiduciary and or agent have caused damages DELETE THE ACCOUNT OR UPDATE TO PAID IN FULL. I may only be contacted via UNITED STATES POSTAL SERVICE by mail between the hours of XXXX and XXXX. Any other time is inconvenient. feel free to commit MAIL FRAUD by sending deceptive forms made to believe performance from the estate and or consumer is needed. A payment is definitely needed as the principal and interest due to consumers estate is needed seeing as though you have tried to fraudulently act as trustee and beneficiaries.","date_sent_to_company":"2024-08-07T17:48:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48228","tags":null,"has_narrative":true,"complaint_id":"9737900","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-07T17:48:56.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A payment is <em>definitely</em> needed as the principal and interest due to consumers estate is needed seeing as though you have tried to fraudulently act as trustee and beneficiaries."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[3.8156176,"9737900"]},{"_index":"complaint-public-v1","_id":"9738197","_score":3.810747,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In lieu of payment and performance, these respondents mentioned below are attempting to violate a consumer in every way possible, including TILA. Pursuant to multiple unlawful acts and denied means committed by NAVY FEDERAL CREDIT UNION, NAVY FEDERAL FINANCIAL GROUP, NAVY FEDERAL XXXX XXXX XXXX NAVY FEDERAL XXXX XXXX this notice serves as INTENT TO SUE and notice to the OFFICE OF COMPTROLLER, OCC, FTC, SEC, IRS, XXXX XXXX  XXXX YOUR LOCAL FEDERAL RESERVE BANK, XXXX XXXX XXXX, What plans these companies had to convey rights, interest, principal is unknown. What is known is they attempted to coerce, trick and steal. An \" amended '' promissory note was needed before anyone will agree to the terms and conditions, clauses and provisions. That did not happen. Deception. As an issuer of credit and issuer of notes and securities, your performance to the obligations is necessary to pursue and harass. The drawer of the funds must be you. The ORIGINAL source of the funds can not be derived from SS account number requested by your entity portrayed as \" IDENTITY VERIFICATION PURPOSES ONLY. '' THAT WAS A LIE. IT WAS USED TO LIE TO THE FRB AND furthermore increase the national debt by failing to pay back what you took on behalf of the public transmitting utility. \n\nAS REQUESTED, THE XXXX  XXXX XXXX XXXX IS INVALID AND WAS PURPOSELY CONCEALED. \n\nTHE ROUTING NUMBER WAS ALTERED AND WHITE-OUT APPLIED TO CONCEAL THE TRUE SOURCE OF FUNDS. \n\nATTACHED IS THE FEDWIRE PARTICIPANT INFORMATION SHOWING PROOF AS TO HOW NFCU obtained funds on my behalf and are actual borrowers. I do not care what was signed under attempted coercion as documented and displayed by XXXX XXXX and NFCU. The concealment of facts include misrepresenting a routing number as a serial number, primary account of the entity concealed due to fraudulent conveyance, amongst a slew of other discoveries. \n\nAll aforementioned including REGISTERED and unregistered agents, drawees, trustees, directors, all board members of all persons is in violation of multiple laws set forth by Congress pertaining to account # ending 9947. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person ( s ) ( NAVY FEDERAL CREDIT UNION ) making the report. Furthermore 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( NAVY FEDERAL CREDIT UNION ) shall not furnish any information relating to a consumer to any consumer reporting agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I.R.S ID # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. NAVY FEDERAL CREDIT UNION can not possibly even collect on an alleged discharged debt. According to the INTERNAL REVENUE SERVICES it is considered income. It is also a certificate of indebtedness. It has also been declared as a loss and NAVY FEDERAL CREDIT UNION has misrepresented that fact, intentionally and grossly. Therefore, it can not and shall be reported. A charge off is clearly defined as Gross or Ordinary income. We have requested and demanded proof from all aforementioned by way of affidavit certifying and reflecting the original true source of funds. The company has chosen to us the mailing system to send deceptive forms. While we appreciate the proof of the fact is the account is not balanced due to the failure of the fiduciary of this constructive trust, the answers needed to perform have yet to be answered as requested by affidavit under penalty and perjury. According to the law, INCOME IS TO NOT BE REPORTED AND IS IN FACT BEING REPORTED TO MULTIPLE CREDIT FILES. IT IS NOT TO BE REPORTED ON ANY CONSUMER REPORT. In fact, these willingly and knowingly actions by aforementioned parties makes this account inaccurate. Feel free to look at the law from a real government agency, bureau directly from the IRS website. IRS clearly and conspicuously reads Cancelled debt and or a Charge off is Income. Whose income, was it? Because of NFCU acquiesce to the questions needed in order to uncover this conspiracy, it is a fact that NFCU never loaned any one member its assets, stocks, bonds, reserves. Instead NAVY FEDERAL CREDIT UNION deceptively conveyed personal assets and in book entry form, recorded said assets as their own. Then attempeted to loan back the assets. FOUL. It is a fact that NFCU XXXX XXXX on file with their local FEDERAL RESERVE BANK clearly states they are the borrower and I have deposited the total subject amount that is being reported to file. The reporting of this account as a debt is grossly inaccurate. The estate never received a 1099-C from NAVY FEDERAL CREDIT UNION nor any other aforementioned parties for the alleged cancelled debt of XXXX XXXX XXXX { {$27000.00} }. It is a fact it was ordinary income for their entities and subsidiaries. It is a fact that I am not only due the total amount but also due {$40000.00} for non-return of the original application. It is on their book entries as an asset and receivable. \n\nThey have refused to release to the consumer despite being approved. This is and was unlawful XXXX pro quo actions. I have not received a XXXX because there is no true debt nor contract that exist. Please feel free to skim the document from your entity clearly stating NO CONTRACT EXIST as of XX/XX/XXXX. This is an attempt to violate ALL TYPES OF rights established to regulate fair business practices and protect unaware customers, members and consumers. To force any natural person to contract is out right unlawful. Feel free to review the United States Constitution. This company who is not a part of any United States government is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. Note : DONOT ATTEMPT TO SEND THIS ESTATE ANY 1099C AS IT will further constitute fraud and we donot participate in tax schemes or evasion. This is unsatisfactory!\n\nNAVY FEDERAL CREDIT UNION has been HEREBY PUT ON FINAL NOTICE that they are furnishing incorrect inaccurate information. The aforementioned 3rd parties such as all holding companies for XXXX, XXXX AND XXXX have no excuse as they will be recieving a copy as well. The terms and conditions they agreed not to share my information with non affiliates without consent. XXXX XXXX, XXXX XXXX XXXX, and XXXX are not an affiliate of any aforementioned parties nor are they \" bureaus ''. The law states CFPB is the only official bureau and they in fact do not furnish credit files nor consumer reports. I have also provided a copy of the letter sent via XXXXS. Mail stating the alleged debt is valid by NAVY FEDERAL CREDIT UNION. I also have statement of account and the intermediaries and or agents refuse to balance the account. They have also continued to use US mail to send deceptive forms for the purpose of extorting a consumer. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer any and all authorization known and unknown is hereby revoked. This includes but not limited to written, non-written, verbal and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer the chose to opt out of any and all authorization is hereby demanded. I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. I shall also point out the parties responsibility pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. NAVY FEDERAL CREDIT UNION must also refund the remaining balance of the consumer account upon its termination. According to the ledger NAVY FEDERAL CREDIT UNION TOOK THE PRINCIPLE AND deleted the interest due to claimant. This is the only 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate, it was necessary to provide all requested documentation. The recorded phone call is proof of the request for information and validity. The deceptive forms sent via mail is proof of breach of fiduciary duties. The breach of contract and account stated claim can and will be proven. The equity and security interest due to claimant will be proven. The un perfected security interest will be proven as no POWER OF ATTORNEY OR DELEGATION OF AUTHORITY WAS GRANTED to lien or bond any private property, assets or notes. The misrepresentation and failure to disclose the true nature of this alleged transaction will be proven. It will also be proven this company discriminates against certain races and classes by denials of their own extensions of credit. It will also be proven that my assets are listed on the book keeping entries of NFCU and or all aforementioned parties as assets, not liabilities. NAVY FEDERAL CREDIT UNION, XXXX XXXX XXXX XXXX AND NAVY FEDERAL FINANCIAL GROUP, its agents, representatives, board members, brokers are attempting to act as fiduciaries and beneficiaries of a constructive or implied trust, stripping the entitled secured party from unalienable rights. The defamation of my persons reputation has been affected causing financial harm, medical injury by stress, and irreparable damages. \n\n\n\n\n\n\n\nThe following invoice is attached for the time it took to have to put this company on notice as it refuses to comply or follow federal laws. XXXX I also reiterate that this company blatantly states on the attached file, THERE is no consumer loan on file to reference to. How can a loan exist if no valid nor contract exist. Under no circumstances were shares, dividends, interest, principal, stock, bonds or certificates gifted nor given to any of the aforementioned parties. Under no circumstances should an account state past due, charge off or late when there is no agreement nor have NFCU performed under their own note as issuer of funds received initially from the FRB on behalf of the XXXX XXXX XXXXXXXX XXXX. When NFCU DEPOSITS XXXX of its own assets, stock, bonds, shares to a KNOWN checking account with the account owner named as XXXX XXXX, a debt may have been due. The instrument also used to bond my estate consumer to a XXXX is fraud as no POA was signed, no contract exist, no security interest was given or gifted, no collateral was used. they can keep the shares and dividends til a claim is filed. Using the account owners name and likeliness for unjust enrichment without authorization is unlawful. XXXX needs to investigate also as the account insured for your tactics and failures as a secondary intermediary, fiduciary and or agent have caused damages DELETE THE ACCOUNT OR UPDATE TO PAID IN FULL. I may only be contacted via UNITED STATES POSTAL SERVICE by mail between the hours of XXXX and XXXX. Any other time is inconvenient. feel free to commit MAIL FRAUD by sending deceptive forms made to believe performance from the estate and or consumer is needed. A payment is definitely needed as the principal and interest due to consumers estate is needed seeing as though you have tried to fraudulently act as trustee and beneficiaries.","date_sent_to_company":"2024-08-07T17:48:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48228","tags":null,"has_narrative":true,"complaint_id":"9738197","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-08-07T17:21:45.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A payment is <em>definitely</em> needed as the principal and interest due to consumers estate is needed seeing as though you have tried to fraudulently act as trustee and 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