{"took":1075,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":24,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6596816","_score":23.62665,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2023 a stranger pulled up to my home and gave me paperwork from PROFESSIONAL FINANCE COMPANY INC. which at first glance seemed to be court documents for a civil action. Upon further investigation I discovered that the documents are actually Fake court documents ( please see footer of fake document with communication from debt collector ) constructed by PROFESSIONAL FINANCE COMPANY in an effort to deceive me into paying an alleged debt from XXXX XXXX  of {$220.00} plus interest of {$39.00}. PROFESSIONAL FINANCE COMPANY INC is in direct violation of several statutes under FDCPA 15 USC 1692 ( c ) namely 805 communication in connection with debt collection. \n806 harassment or abuse. \nand most importantly, 805 FALSE OR MISLEADING REPRESENTATIONS & 812 FURNISHING FALSE OR DECEPTIVE FORMS.","date_sent_to_company":"2023-02-22T01:38:16.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"80525","tags":null,"has_narrative":true,"complaint_id":"6596816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2023-02-22T01:11:34.000Z","state":"CO","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["Upon further <em>investigation</em> I <em>discovered</em> that the <em>documents</em> are <em>actually</em> <em>Fake</em> court <em>documents</em> ( please see footer of <em>fake</em> <em>document</em> with communication from debt collector ) constructed by PROFESSIONAL FINANCE COMPANY in an effort to deceive me into paying an alleged debt from XXXX XXXX  of {$220.00} plus interest of {$39.00}."]},"sort":[23.62665,"6596816"]},{"_index":"complaint-public-v1","_id":"7187960","_score":22.741991,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In the past XXXX years there have been THREE fraudulent charges on my Discover Card. I disputed all three each at the time when the charge occurred. The first two were not properly investigated and I was unable to get a phone call from a human. I therefore paid the fake charges to keep my account in good standing, as I have never as much as carried a credit card balance in my entire life and my credit score is around XXXX. However the third charge was a ridiculous amoung and the final straw. I did still pay the charge while I disputed it. However, for the third time, Discover failed to investigate and failed to return any phone calls whatsoever. I have been requesting phone calls for XXXX consecutive months and have not received a single callback. Their hold times are absurd. Their chatbot online does nothing. So, Discover card actually owes me money as I overpaid the account. Because I have never missed a payment or even carried a balance, this must be the only way Discover card can make any money from me. It shoucld be noted that this same fake charge came up on XXXX other credit cards who both found the charge fraululent immediately. Discover however told me to \" call the merchant '' except that is not possible since it is a fake merchant. There is no phone number, address, email address, etc. Discover also mailed me an ilegible document with some lines in it and no text, claiming that was their documentation from investigating the charge, so obviously no investigation happened. They wrongly updated my credit report inaccurately and continue to owe me money. Lastly, they failed to remove a second user on my account that was removed several years ago, then endangered my personal info and privacy by sending that personal person info about my account. I have not yet received a response that addressed even XXXX of these issues let alone the whole complaint. To sum : 1 ) fake charge # 1 2 ) fake charge # 2 3 ) fake charge # 3 ( current ) 4 ) person not removed from account 5 ) inability to investigate fake charges multiple times 6 ) wrong info on credit report 7 ) WILL NOT EVEN GIVE ME A PHONE CALL BACK 8 ) Discover still owes me money Please investigate these horrible crimes committed on the behalf of Discover as this is downright theft of hardworking people who don't carry credit balances so clearly this is Discover trying to make money any way it can. If it hopes it will frustrate people into giving up and paying it did that with me twice already but not this time.","date_sent_to_company":"2023-06-30T18:45:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"28806","tags":null,"has_narrative":true,"complaint_id":"7187960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-06-30T18:33:34.000Z","state":"NC","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["It shoucld be noted that this same <em>fake</em> charge came up on XXXX other credit cards who both found the charge fraululent immediately. <em>Discover</em> however told me to \" call the merchant '' except that is not possible since it is a <em>fake</em> merchant. There is no phone number, address, email address, etc. <em>Discover</em> also mailed me an ilegible <em>document</em> with some lines in it and no text, claiming that was their documentation from <em>investigating</em> the charge, so obviously no <em>investigation</em> happened."],"company":["<em>DISCOVER</em> BANK"]},"sort":[22.741991,"7187960"]},{"_index":"complaint-public-v1","_id":"6031491","_score":15.720808,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2022 my credit card information was taken by a phishing scam website XXXX  and a charge of {$850.00} was placed on my American express credit card. It is immediately noticed because the payment was processed through Stripe although the website pretend to setup a XXXX account. It was immediately reported to American Express customer service as fraudulent, and requested to secure my account my account by changing the card number to block future transactions. Reports were filed with reportfraud.ftc.gov ( Report number : XXXX ), FBI XXXX XXXX XXXX XXXX ( XXXX ), XXXX and Stripe which hosted and processed the transaction, in the following days. I submitted all evidences of fraud, including the fake billing address/phone number in the XXXX from XXXX transaction XXXX on American Express XXXX XXXX XXXX  XXXX XXXX : XXXX On XX/XX/2022 I received an email about the charge being reversed and credited to my account. There is no other postal mail/email received from American Express after this date. \n\nIn conclusion : 1. American Express did not look at the evidence of a fraudulent transaction throughly 2. American Express did not notify me promptly about the reversal of the charge either in postal mail or email with a broken email system 3. American Express did not send me the denial letter or the evidence document upon requested In XX/XX/2022 I discovered I was actually charged again. Upon calling American Express customer service I was told I was rebilled on XX/XX/XXXX because the scammer submitted fabricated evidence that I ordered and was shipped a certain item, and my cancellation was invalid ( It did not happen, it was stated clearly to American Express it is a fraud, there are fake addresses and contact information, and cancellation of a non-existing order was not possible ). While requesting both the denial letter and evidence document from the scammer through verbal request or email, American Express did not send me anything. Indeed I told American Express their automatic emailing system by customer service is broken and every-time the representative promised he/she just sent me something, it was never received.\n\nAmerican Express refused to re-open the dispute. Upon contacting their Executive Office through emailing the CEO American Express insist they have already did the investigation ( despite the clear evidence this was a fraudulent transaction ).","date_sent_to_company":"2022-09-29T15:06:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"6031491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-09-29T14:44:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["American Express did not send me the denial letter or the evidence <em>document</em> upon requested In XX/XX/2022 I <em>discovered</em> I was <em>actually</em> charged again."]},"sort":[15.720808,"6031491"]},{"_index":"complaint-public-v1","_id":"17871322","_score":14.369025,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Formal Complaint : False Advertising & Deceptive Auto Refinance Offers I am submitting this complaint regarding Credit Karma and The XXXX XXXX ( Autopay, XXXX, XXXX  ), due to what I believe is false advertising, deceptive practices, and misleading refinance offers. \n\nI attempted to refinance my vehicle through Credit Karma after being shown XXXX auto-refinance offers, each presented as coming from different lenders. Credit Karmas interface made it appear that I qualified for multiple options from multiple companies. \n\nHowever, after applying, I discovered the following : All XXXX offers were from the same parent company XXXX XXXX XXXX operating under different brand names ( XXXX, XXXX, XXXX  ), yet Credit Karma advertises them as unrelated lenders. \n\nCredit Karmas platform misleads users into believing they have several distinct opportunities, which strongly influences the decision to apply. \n\nNone of the advertised offers actually stood after I submitted applications. \n\nAfter providing personal information, documents, and spending significant time, I was told the offers did not exist or were no longer valid. \n\nThese offers appear to function as bait, using enticing rates to generate applications, without delivering the terms that Credit Karma advertises. \n\nThis practice results in wasted time, unnecessary sharing of personal information, and exposure to multiple credit inquiries. \n\nThe XXXX XXXX brands contacted me inconsistently or not at all, and in some cases sent automated approval messages with no follow-up or details further suggesting the advertised offers were not real. \n\nThis pattern represents : False advertising Deceptive marketing Misrepresentation of lender diversity Nonexistent offers presented as real approvals Credit Karmas responsibility is to present accurate, transparent, and legitimate offersnot multiple copies of the same company disguised as separate lenders.\n\nI am requesting : A review of Credit Karma 's auto refinance listings, especially how The XXXX XXXX brands are displayed. \n\nRemoval of misleading duplicate offers that appear as different opportunities but are actually from the same entity. \n\nAccountability from The XXXX XXXX for sending non-existent offers, fake approvals, and failing to provide follow-up after encouraging applications. \n\nCorrection of this deceptive practice so other consumers are not misled or have their time wasted. \n\nThank you for reviewing this matter. I look forward to your investigation and response.","date_sent_to_company":"2025-12-09T14:12:45.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"31419","tags":null,"has_narrative":true,"complaint_id":"17871322","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2025-12-02T17:34:38.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Removal of misleading duplicate offers that appear as different opportunities but are <em>actually</em> from the same entity. \n\nAccountability from The XXXX XXXX for sending non-existent offers, <em>fake</em> approvals, and failing to provide follow-up after encouraging applications. \n\nCorrection of this deceptive practice so other consumers are not misled or have their time wasted. \n\nThank you for reviewing this matter. I look forward to your <em>investigation</em> and response."]},"sort":[14.369025,"17871322"]},{"_index":"complaint-public-v1","_id":"5990535","_score":13.998988,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against First American Title and XXXX XXXX XXXX as XXXX XXXX for XXXX \nI am a victim of fraud by XXXX XXXX banks and their virtual lending practices ( information about money dresses as a loan to induce homeowners to sign promissory Notes and Mortgages which is securitized and sold to investors for $ XXXX {$180.00} per {$1.00} of information passed to the home buyers ) Title Insurance Companies - here XXXX XXXX, First American Title and XXXX XXXX XXXX - are heavily involved in this crime and defraud home buyers by impersonating as \" Title Insurance company '' [ here : XXXX XXXX ] and lying to them about money transfers from alleged lenders ; and payments on behalf of homeowners to property Sellers while none of it happen in reality. Title companies employees do not receive any actual money from alleged Lenders ( except cashouts or surpluses from unknown to them sources ) ; and do not make any payments to Sellers lenders to release prior liens. \nThus, my property Title was clouded before I purchased it ; during and after my fake transaction with XXXX who posed as a Lender. \n\nI tried to contact my alleged \" Title Insurance Companies \" XXXX XXXX and XXXX, for help with investigation and compensation me for damages, without any accord. \n\nEvery time I got an absurd electronically signed runaround prepared by XXXX and forwarded to me purportedly by XXXX lawyer XXXX XXXX ( who did not prepared these letters, merely allowed to used her name as a signature ) denying my coverage because my \" mortgage with XXXX '' ( aka fraudulent lien ) was allegedly \" excluded '' from coverage. \n\nThis fraud started from lies, impersonation and forgery. \n\nImpersonator XXXX employees passed me forged RESPA Disclosures to deceive me about who were real parties in my transaction XXXX XXXXXXXX XXXX  who was the real originator who forged all other documents from fake Commitment letter from XXXX XXXX XXXX ; fake Mortgage with XXXX ; fake Allonge to XXXX on my closing day ; fake and impossible Assignment of Mortgage from XXXX to XXXX ; and fake affidavit. All these documents are flagrant fraud, forgery ; and lack any legal authority to prepare and execute them. \n\nImpersonator XXXX XXXX ( who is XXXX  selling Agent, not issuer as robo-signer \" XXXX '' said ) deceptively sold me bogus Title Insurance policy from XXXX ( who was not disclosed to me in forged RESPA Disclosures ) which do not cover anything as advertised- such as forgery, fraud, impersonation, lack of legal capacity, ect. \nMoreover, so-called Title Insurers secretly add exceptions such as excluding fake mortgages from pretender Lenders who commit fraud to obtain a signature on falsified documents while these lenders do not even participate in the transaction masqueraded as a loan. \nMerely saying or arguing that I had loan ( mean real money loaned to me ) with XXXX does not make it so. If things worked that way, I would argue that I am the worlds leader and the richest person in history, along with my ability to fly faster than light. \nA mortgage is only an incident to a debt, which is the principal thing. It is merely security for the debt. Where there is no debtno relation of debtor and creditorthere can be no mortgage. Here there was no debt, and hence no mortgage that can be enforced in equity. Cawley v. Kelley, 60 Wis. 315, 319, 19 N. W. 65, 66. \nA mortgage is not property at all, independent of the debt it secures. The extinguishment of the debt ipso facto et eo instante extinguishes the mortgage. The mere entry on the record of a release of the mortgage is not for the purpose of extinguishing it, but as evidence of a previous discharge of the debt. Fred Miller Brewing Co. v. Manasse, 99 Wis. 99, 74 N. W. 535. \nMortgages are secure repayments of actual money ( commonly known as loans ). \nThus, XXXX ( aka XXXX who was the actual preparer of this Title Insurance policy via its secured website using XXXX or something similar ) exclusion of mortgage with XXXX while I never had any loans ( money ) with XXXX is unlawful per se. \nThis exception are not disclosed to me in any manner including false advertisement about comprehensive coverage until I receive a XXXX policy from third parties. I of course relied on representation and did not look at every page of this policy to discover this excemption because I was deceived that I had a loan with XXXX. I only discovered this fraud when HUD confirmed that they have no records about my transaction because here was no transaction at all. Yet, I many times asked XXXX to conduct investigation why XXXX claims its ownership and who recorded flagrantly forged documents such as fraudulent Assignment ( prepared by one of XXXX affiliates, XXXX XXXX or XXXX XXXX ) The actual Claim processing Agent XXXX XXXX XXXX Insurance is not disclosed to me as of today even though all electronically signed letters are prepared by Fidelitys employees or their Artificial Intelligence ( XXXX ) which generate responses which appear as they are coming from human beings while no real employee even involved in this process. XXXX computers merely guess how humans would write in certain situations. \nMortgages are collateral for the MONEY, not for information about money, and only if these money were actually loaned by a real XXXX who used his own funds. Without actual money here can not be mortgages. Nobody can demand properties as collateral for non-existing loans First American does not insure mortgages. They insure title. So the question is whether they are saying that if the lien is invalid they will pay to have it removed or whether they are simply saying that the title record is accurate before the lien ; during the lien and past lien, as their XXXX Policy deceptively say they do. \nNow XXXX and XXXX are saying that the policy does not cover the recording of the mortgage lien. When they must explain how I can get a policy that does cover the that lien if even my real Title Insurance company was not disclosed to me ; and I of course had no disclosures about so-called exceptions of mortgages since none of it is not disclosed or advertised to perspective clients by XXXXXXXX XXXX or XXXX because nobody would buy it. \nTo the contrary, it is advertised as comprehensive coverage for fraud ; forgery ; impersonation and lack of legal authority ( all present in my situation, before the closing, during the closing ( including fraud, forgery and impersonation by XXXX XXXX employees ) and after the closing. \nIn reality, XXXX and XXXX bogus Title policies actually not insuring Title for the benefit of the property owner. They are merely issuing a Title policy for the benefit of actors who are pretending to be lenders to deceive property buyers about real natures of their transactions. \nThe fact that the lien filed under those actors names is completely unsupported by consideration or any other scenario ; and that the lien is essentially clouds my title, is specifically and secretly - excluded from the policy of insurance issued by the carrier here-XXXX, not XXXX XXXX. \nAll of the carriers that stayed in the business agreed to it because it was either bow to XXXX XXXX or go out from the business. Others were grabbed by XXXX, in gross violations of all antitrust laws. \nHowever, here is still another lien clouding my property Title which was never removed alleged mortgage from XXXX XXXX XXXX from the prior owner. According to two letters from XXXX XXXX XXXX, they never received any money from XXXX XXXX whose employee XXXX XXXX lied to me that the payment to me was received ( and must be recorded on their escrow or business account ) ; and presumably XXXX must make a payment to XXXX XXXX XXXX but never did it. \nSo, fraud and impersonation was committed by my Title Insurance Company who lied to me about every step of my process, from non-existing wire transfers to being issuers ( aka sellers for XXXX ) of bogus Title insurance policies where fake mortgage for non-existing loan was excluded by XXXX \nOf course I would not sign any mortgages if XXXX XXXX would not lie to me that they received a wire transfer of actual money from XXXX Mortgage and paid on my behalf to the property Seller to remove the prior lien which stayed until XX/XX/2016 and still not valid since the alleged Lender can not confirm that they received any money on my behalf from XXXX XXXX. \nI once again demand XXXX, XXXX and XXXXXXXX XXXX to compensate me as promised in their XXXX policy {$200000.00} for damages I suffered from XXXX XXXX fraud, impersonation and deceipt with fake wire transfers and mortgages with pretender Lender XXXX whom I signed Promissory Note because I was defrauded by XXXXXXXX XXXX  whose employees lied to me non-stop. \nIf First American, XXXX, and XXXX XXXX will again unjustly refuse to compensate as promised ; I have to proceed with the Court Action where XXXXXXXX XXXX, XXXX, XXXX and XXXX will definitely spend more than {$200000.00} on their legal fees, which XXXX promised them to cover, of course from litigation insurance Looks like XXXX, XXXX and their accomplice-impersonator XXXX XXXX prefer to defraud their litigation insurance company to cover for wrongdoers legal fees rather than honestly compensate customers who became victims of fraud","date_sent_to_company":"2022-09-16T09:03:28.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"5990535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST AMERICAN FINANCIAL CORPORATION","date_received":"2022-09-16T08:36:46.000Z","state":"MI","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["Impersonator XXXX employees passed me forged RESPA Disclosures to deceive me about who were real parties in my transaction XXXX XXXXXXXX XXXX  who was the real originator who forged all other <em>documents</em> from <em>fake</em> Commitment letter from XXXX XXXX XXXX ; <em>fake</em> Mortgage with XXXX ; <em>fake</em> Allonge to XXXX on my closing day ; <em>fake</em> and impossible Assignment of Mortgage from XXXX to XXXX ; and <em>fake</em> affidavit."]},"sort":[13.998988,"5990535"]},{"_index":"complaint-public-v1","_id":"5988170","_score":13.98744,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against XXXX XXXX XXXX and Fidelity National Title as Claims Agent for XXXX \nI am a victim of fraud by XXXX XXXX banks and their virtual lending practices ( information about money dresses as a loan to induce homeowners to sign promissory Notes and Mortgages which is securitized and sold to investors for $ XXXX {$180.00} per {$1.00} of information passed to the home buyers ) Title Insurance Companies - here XXXX XXXX, XXXX XXXX XXXX and Fidelity National Title - are heavily involved in this crime and defraud home buyers by impersonating as \" Title Insurance company '' [ here : XXXX XXXX ] and lying to them about money transfers from alleged lenders ; and payments on behalf of homeowners to property Sellers while none of it happen in reality. Title companies employees do not receive any actual money from alleged Lenders ( except cashouts or surpluses from unknown to them sources ) ; and do not make any payments to Sellers lenders to release prior liens. \nThus, my property Title was clouded before I purchased it ; during and after my fake transaction with XXXX who posed as a Lender. \n\nI tried to contact my alleged \" Title Insurance Companies \" XXXX XXXX and XXXX, for help with investigation and compensation me for damages, without any accord. \n\nEvery time I got an absurd electronically signed runaround prepared by Fidelity and forwarded to me purportedly by XXXX  lawyer XXXX XXXX ( who did not prepared these letters, merely allowed to used her name as a signature ) denying my coverage because my \" mortgage with XXXX '' ( aka fraudulent lien ) was allegedly \" excluded '' from coverage. \n\nThis fraud started from lies, impersonation and forgery. \n\nImpersonator XXXX employees passed me forged RESPA Disclosures to deceive me about who were real parties in my transaction Fidelitys XXXXXXXX XXXX who was the real originator who forged all other documents from fake Commitment letter from XXXX XXXX XXXX ; fake Mortgage with XXXX ; fake Allonge to XXXX on my closing day ; fake and impossible Assignment of Mortgage from XXXX to XXXX ; and fake affidavit. All these documents are flagrant fraud, forgery ; and lack any legal authority to prepare and execute them. \n\nImpersonator XXXX XXXX ( who is XXXX selling Agent, not issuer as robo-signer \" XXXX '' said ) deceptively sold me bogus Title Insurance policy from XXXX ( who was not disclosed to me in forged RESPA Disclosures ) which do not cover anything as advertised- such as forgery, fraud, impersonation, lack of legal capacity, ect. \nMoreover, so-called Title Insurers secretly add exceptions such as excluding fake mortgages from pretender Lenders who commit fraud to obtain a signature on falsified documents while these lenders do not even participate in the transaction masqueraded as a loan. \nMerely saying or arguing that I had loan ( mean real money loaned to me ) with XXXX does not make it so. If things worked that way, I would argue that I am the worlds leader and the richest person in history, along with my ability to fly faster than light. \nA mortgage is only an incident to a debt, which is the principal thing. It is merely security for the debt. Where there is no debtno relation of debtor and creditorthere can be no mortgage. Here there was no debt, and hence no mortgage that can be enforced in equity. Cawley v. Kelley, 60 Wis. 315, 319, 19 N. W. 65, 66. \nA mortgage is not property at all, independent of the debt it secures. The extinguishment of the debt ipso facto et eo instante extinguishes the mortgage. The mere entry on the record of a release of the mortgage is not for the purpose of extinguishing it, but as evidence of a previous discharge of the debt. Fred Miller Brewing Co. v. Manasse, 99 Wis. 99, 74 N. W. 535. \nMortgages are secure repayments of actual money ( commonly known as loans ). \nThus, XXXX ( aka XXXX who was the actual preparer of this Title Insurance policy via its secured website using XXXX  or something similar ) exclusion of mortgage with XXXX while I never had any loans ( money ) with XXXX is unlawful per se. \nThis exception are not disclosed to me in any manner including false advertisement about comprehensive coverage until I receive a XXXX policy from third parties. I of course relied on representation and did not look at every page of this policy to discover this excemption because I was deceived that I had a loan with XXXX. I only discovered this fraud when HUD confirmed that they have no records about my transaction because here was no transaction at all. Yet, I many times asked XXXX  to conduct investigation why XXXX claims its ownership and who recorded flagrantly forged documents such as fraudulent Assignment ( prepared by one of Fidelitys affiliates, XXXX XXXX  or XXXX XXXXXXXX ) The actual Claim processing Agent Fidelity National Title Insurance is not disclosed to me as of today even though all electronically signed letters are prepared by Fidelitys employees or their Artificial Intelligence ( XXXX )  which generate responses which appear as they are coming from human beings while no real employee even involved in this process. XXXX computers merely guess how humans would write in certain situations. \nMortgages are collateral for the MONEY, not for information about money, and only if these money were actually loaned by a real Lender who used his own funds. Without actual money here can not be mortgages. Nobody can demand properties as collateral for non-existing loans XXXX XXXX does not insure mortgages. They insure title. So the question is whether they are saying that if the lien is invalid they will pay to have it removed or whether they are simply saying that the title record is accurate before the lien ; during the lien and past lien, as their XXXX XXXX deceptively say they do. \nNow XXXX and XXXX are saying that the policy does not cover the recording of the mortgage XXXX. When they must explain how I can get a policy that does cover the that XXXX if even my real Title Insurance company was not disclosed to me ; and I of course had no disclosures about so-called exceptions of mortgages since none of it is not disclosed or advertised to perspective clients by XXXXXXXX XXXX or XXXX because nobody would buy it. \nTo the contrary, it is advertised as comprehensive coverage for fraud ; forgery ; impersonation and lack of legal authority ( all present in my situation, before the closing, during the closing ( including fraud, forgery and impersonation by XXXX XXXX employees ) and after the closing. \nIn reality, XXXX and XXXX bogus Title policies actually not insuring Title for the benefit of the property owner. They are merely issuing a Title policy for the benefit of actors who are pretending to be lenders to deceive property buyers about real natures of their transactions. \nThe fact that the lien filed under those actors names is completely unsupported by consideration or any other scenario ; and that the lien is essentially clouds my title, is specifically and secretly - excluded from the policy of insurance issued by the carrier here-XXXX, not XXXX XXXX. \nAll of the carriers that stayed in the business agreed to it because it was either bow to XXXX XXXX or go out from the business. Others were grabbed by Fidelity, in gross violations of all antitrust laws. \nHowever, here is still another lien clouding my property Title which was never removed alleged mortgage from XXXX XXXX XXXX from the prior owner. According to two letters from XXXX XXXX XXXX, they never received any money from XXXX XXXX whose employee XXXX XXXX lied to me that the payment to me was received ( and must be recorded on their escrow or business account ) ; and presumably XXXX must make a payment to XXXX XXXX XXXX but never did it. \nSo, fraud and impersonation was committed by my Title Insurance Company who lied to me about every step of my process, from non-existing wire transfers to being issuers ( aka sellers for XXXX ) of bogus Title insurance policies where fake mortgage for non-existing loan was excluded by XXXX \nOf course I would not sign any mortgages if XXXX XXXX would not lie to me that they received a wire transfer of actual money from XXXX Mortgage and paid on my behalf to the property Seller to remove the prior lien which stayed until XX/XX/2016 and still not valid since the alleged Lender can not confirm that they received any money on my behalf from XXXX XXXX. \nI once again demand XXXX, Fidelity and XXXX XXXX  to compensate me as promised in their Eagle policy {$200000.00} for damages I suffered from XXXX XXXX fraud, impersonation and deceipt with fake wire transfers and mortgages with pretender Lender XXXX whom I signed Promissory Note because I was defrauded by XXXXXXXX XXXX whose employees lied to me non-stop. \nIf XXXX XXXXXXXX, Fidelity, and XXXX XXXX will again unjustly refuse to compensate as promised ; I have to proceed with the Court Action where XXXXXXXX XXXX XXXX Fidelity and XXXX will definitely spend more than {$200000.00} on their legal fees, which Fidelity promised them to cover, of course from litigation insurance Looks like XXXX, Fidelity and their accomplice-impersonator Bell Title prefer to defraud their litigation insurance company to cover for wrongdoers legal fees rather than honestly compensate customers who became victims of fraud","date_sent_to_company":"2022-09-16T09:03:40.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"5988170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Financial, Inc","date_received":"2022-09-16T09:03:35.000Z","state":"MI","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["Impersonator XXXX employees passed me forged RESPA Disclosures to deceive me about who were real parties in my transaction Fidelitys XXXXXXXX XXXX who was the real originator who forged all other <em>documents</em> from <em>fake</em> Commitment letter from XXXX XXXX XXXX ; <em>fake</em> Mortgage with XXXX ; <em>fake</em> Allonge to XXXX on my closing day ; <em>fake</em> and impossible Assignment of Mortgage from XXXX to XXXX ; and <em>fake</em> affidavit."]},"sort":[13.98744,"5988170"]},{"_index":"complaint-public-v1","_id":"2222582","_score":11.6977005,"_source":{"product":"Money transfers","complaint_what_happened":"On XXXX XXXX, 2016, in XXXX XXXX, MoneyGram accepted funds and I was issued a Moneygram wire for {$2400.00} ( I also paid wire fees of {$110.00} ), to be picked up by me when I later was to travel to XXXX in XXXX. \n\nHowever, on XXXX XXXX, I checked the online status of my transfer and discovered that Moneygram had already paid out the money within 24 hours to an unknown third party. I demanded my money in a telephone call to Customer Support on XXXX XXXX, but Moneygram refused to pay me the amount or refund it to me. In violation of Regulation E, Moneygram did no investigation within the time frame required, did not provide any documentation regarding the payment to the unknown party and did not advise me of my right to see relevant documents. \n\nIt is suspected that a fake XXXX landlord, who required and to whom I sent proof of available funds ( only a copy of the receipt but not actual payment ), picked up the wire posing as me. I have no knowledge of who Moneygram actually paid, or their true identity. It is also possible that the Moneygram agent colluded with the con artist. \n\nMoneygram also failed to investigate the circumstances surrounding the payment or maintain and provide records as required by Paragraph XXXX of its internal rules and by XXXX. More specifically, Moneygram has not presented copies of the payment transaction or the \" valid ID '' of the alleged payee as required by the applicable laws. \n\nMoneygram represents its service to be secure and trustworthy according to the Moneygram website and advertisements, using the boldface buzzwords \" peace of mind, '' \" send securely, '' \" easy to receive, '' \" reliable, '' which also point out that the recipient will need to show \" a valid photo I.D . '' Moneygram 's internal rules and XXXX XXXX XXXX XXXX ( Paragraphs XXXX and XXXX ) go to great length about how Moneygram avoids fraud and requires valid identity confirmation from all recipients. Although Moneygram has numerous rules applicable to its agents regarding proof of identity, there is no evidence that these rules were followed by Moneygram or its local agent. What identification was presented to their agent? Moneygram has not provided that bit of information. \n\nAccording to the Federal Reserve, Reg E protects consumers even when they make mistakes -- even mistakes such as writing their PIN number down in a place where a crook can find it. The Federal Reserve 's staff opinion on Reg E states that \" Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. '' So even though I sent a copy of my receipt to the con man, it was still incumbent on Moneygram to follow Reg E, investigate timely, provide records, notify me of my right to see those records, and verify the identity of the person who picked up my money. They failed on all accounts.","date_sent_to_company":"2016-11-23T06:33:00.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"2222582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","date_received":"2016-11-23T06:33:00.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In violation of Regulation E, Moneygram did no <em>investigation</em> within the time frame required, did not provide any documentation regarding the payment to the unknown party and did not advise me of my right to see relevant <em>documents</em>. \n\nIt is suspected that a <em>fake</em> XXXX landlord, who required and to whom I sent proof of available funds ( only a copy of the receipt but not actual payment ), picked up the wire posing as me. I have no knowledge of who Moneygram <em>actually</em> paid, or their true identity."]},"sort":[11.6977005,"2222582"]},{"_index":"complaint-public-v1","_id":"2839017","_score":9.551812,"_source":{"product":"Debt collection","complaint_what_happened":"I submitted this complaint for a wrongful eviction of a renter from a foreclosed house, first in XX/XX/XXXX.  XXXX XXXX responded \" It's not us it's OCWEN ''. Our deposition showed differently. On XX/XX/XXXX I  submitted a new complaint. You don't have a box for illegal renter evictions ( but you should. ) It looks like XXXX XXXX routed it to XXXX XXXX XXXX, who XXXX XXXX responded I did not have \" standing '' to bring the complaint. Well ... their name was on the caption of the illegal eviction proceeding, and so was mine. So, I most certainly do have standing. \n\nThey also gave the complaint to their attorneys to answer - XXXX XXXX XXXX, who are the ones who tried for 4 years to illegally evict me-then dismissed their case when I caught them with fake documents essentially stealing the loan and house. I suggested the attorney investigating my complaint needs to go back to law school to learn about standing. \" XXXX XXXX v XXXX '' most certainly does give me standing, and I am living in a house with their name on ( half ) the title. \n\nIt is XXXX XXXX 's name on the eviction cases. They were directed at me. So yes, I do have standing to bring this complaint. Under XXXX XXXX XXXX XXXX XXXX   XXXX, v. XXXX XXXX XXXX et al. ( App Div No. XXXX, Super. Ct. No. XXXX ) & XXXX XXXX XXXX XXXX XXXX XXXXXXXX, v. XXXX XXXX et al. ( App Div No. XXXX ) the renter prevailed in the bank having to prove they followed the foreclosure law. So there certainly is standing for a renter to question a Bank 's illegal foreclosure. \n\nMeanwhile the issue here is you and your agents tried to ILLEGALLY EVICT MY FAMILY, in violation of both Federal and CA State PTFA law and I most certainly do have the standing and the right to file a complaint and receive an adequate response that is not a shell game on this issue. \n\n\nHere it is, again. \n\nProperty : XXXX XXXX XXXX, XXXX, CA XXXX In XX/XX/XXXX, XXXX XXXX via their agent OCWEN sued me for eviction in my rental. This was the first I realized they had ( it turns out illegally ) foreclosed on my rental, with a 5 year lease. \nUnder both Federal PTFA Protecting Tenants at Foreclosure Act and CA State PTFA, XXXX XXXX has to honor my lease, which is in effect until XX/XX/XXXX. My lease includes a long list of repairs the ( now former ) owner agreed to do, since the property is seriously dangerous and dilapidated. I replied to the first eviction with my lease, and they withdrew their first eviction. \nI subsequently hired a Geologist, after being informed of a mudslide at the property which caused the property to be evacuated. He wrote a long report that the property is a \" Danger to life and limb '' and needed immediate repair & geological stabilization. He also discovered XXXX XXXX only has title to the front half of the house. This report was provided to XXXX XXXX via their attorney, who responded by trying to evict us, again. So I defended our right to be here & have the property repaired. \nKnowing the home is extremely dangerous, XXXX XXXX has refused to make any repairs, forcing me to make repairs to make the home even half way livable. Thus far I have spent hundreds of thousands in repairs. During discovery on their lawsuit, I found forged loan assignments including XXXX XXXX, which made it impossible that XXXX XXXX owns this house. When presented with this evidence during our deposition in Spring XX/XX/XXXX, with requests to prove they own the house -- XXXX XXXX withdrew the case. XXXX XXXX 's only defense to my valid lease was we had strike throughs in it. This is not a legal claim. Thus far I have spent almost a hundred thousand dollars in attorneys fees defending their bogus eviction, for a home it appears they actually stole using fake loan assignments. \nXXXX XXXX presented their \" Person most knowledgeable '' for the case as from OCWEN. When I made this same complaint in XX/XX/XXXX for failing to honor PTFA law, XXXX XXXX responded it was \" not them it is OCWEN ''. The problem is, during the deposition OCWEN testified multiple times they are acting on behalf of XXXX XXXX. I have the entire deposition transcript. Further -- OCWEN is not the beneficiary so they can not legally evict me, only XXXX XXXX can. It is clear XXXX XXXX and OCWEN are playing a shell game -- but it is XXXX XXXX 's name on their ( now dismissed ) eviction lawsuit against me. \nMeanwhile -- I learned during our deposition that XXXX XXXX does not even have a process to handle renters, which are 60 % of the foreclosures. Their XXXX testified that is the \" Foreclosure Trustee 's job ''. Are you kidding me? That is not their job, they just sell the house!! It is squarely XXXX XXXX 's job to know who is in the house, if they are a renter, and to honor their lease. This also means doing needed repairs -- not being a slumlord and expecting a renter to make extensive or any repairs!! This also means that in 60 % of the foreclosures, XXXX XXXX is just thumbing their nose at the law. \n\n-- /","date_sent_to_company":"2018-03-27T10:25:43.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"926XX","tags":null,"has_narrative":true,"complaint_id":"2839017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-03-10T01:43:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["They also gave the complaint to their attorneys to answer - XXXX XXXX XXXX, who are the ones who tried for 4 years to illegally evict me-then dismissed their case when I caught them with <em>fake</em> <em>documents</em> essentially stealing the loan and house. I suggested the attorney <em>investigating</em> my complaint needs to go back to law school to learn about standing. \" XXXX XXXX v XXXX '' most certainly does give me standing, and I am living in a house with their name on ( half ) the title."]},"sort":[9.551812,"2839017"]},{"_index":"complaint-public-v1","_id":"4861550","_score":7.9093943,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/2020, I opened a checking and savings account online with Citi Priority.i then had my XXXX XXXX XXXX set to direct deposit into the checking, and began using the accounts as my primary banking institution age undergoing an investigation of bank fraud from my previous account at XXXX XXXX. At the time, I was overcoming XXXX which indicted a large amount of XXXX  and difficulty when any circumstance involving computer use and cell phone use, especially with such tasks as email, banking, or messaging. I had a significant reluctance and fear to interactions that would or could lead to an increase in additional things that would require attention especially those negative in nature, such as collections, bills, documents, etc. Daily responsibilities and such that would add to my plate. I was unable at the time to address f such things in a full mental capacity due to XXXX  XXXX, XXXX  and XXXX  XXXX, and numerous additional barriers of highly damaging content. Thus all led to my lack of will to constantly monitor and conduct banking review and budgeting, or in depth checks and confirmed legitimacy of my financial positron. After about 8 months, my mental state had improved enough to have the capability to properly conduct and monitor my finances again and I began to notice oddities and questionable variants in my account. From errors in daily available balance to the delay in processing transactions but reporting the balance and funds as they actually occurred, to after time notice to errs in calculations in the balance. I began investigating further. I opened a2nd checking account after revising the stimulus so that I could transfer over only what I needed to spend daily and keep track of spending. With this account I did not have a debit card attached. Furthermore, because I utilized ATMS often, to ensure the correct XXXX XXXX  and true items were only being conducted, I decided to only withdrawal from arms from my savings account and notmy checking at all. After 2 months there were over XXXX ATM withdrawals against my checking account so I knew something was not right. A noticed thru a3rd party financial app that monitors your accounts from all of a person 's financial institutions in one place is. XXXX, etc. That some of the ATM withdrawals were being categorized as withdrawals and others of the exact same type and title being categorized as transfers. I didn't understand, and noticed then the 2 to 3 day delay just in a XXXX from my saving to checking, but when my checking to savings auto transfers would occur they were to a money market in the title, which then apparently was my savings,. However the date they occurred would show in one account as the date initiated and the recurrent account on the day of processing etch could be sometimes 5 days, resuscitation because nothing ever processed on the weekends, but would be calculated in the days balance or funds on the day they originated. This made balancing the accounts and confirming accuracy impossible. Especially when any thing dates the prior to the day it currently was when looking, the balance so m of each transaction would show only the end of day balance for that day, and not the balance that was result of each transaction. Ex. Monday would then process every transactions from Fri to mon. And then every single one of those transactions would show a balance on its line item of what the account was at Monday after XXXX. That's if they processed that Monday. This includes even transfer betweenn my own accounts. It was impossible to reference at that point or even XXXX what my balance should have been, as the reported available balance at any given time was inaccurate as it calculated pending items, but based off only processed total balance. Finally, after daily screen shots of the transactions at the time ( which allowed the balance to display after each transactions occurred to be individually calculated and displayed ) I noticed the following days the previous days and weeks final balances were CHANGING due to the items to the current day. So the balance 3 weeks ago that onscreen shot that day had each item, but scroll to today and using the amounts from each item from then to now, the balance on line items from 3 weeks ago were calculated with all the amounts ledgers to today. It was like they were adjusting the balance thru the whole month. This led to me discovermanually calculation hundreds of items discovery of XXXX  of dollars missing. I then realized the additional ATM transactions I knew I didn't do actually amounted to the discrepancy but were not originally present. I then noticed transfers that were conducted that were not followed by transactions that I would have done that triggered the transfer initially, since I only moved money over when I was going to use it immediately. I also discovered transfers on one account and no calculated into the recording account balance. Overall, I estimate nearly XXXX of errs and rust is not including the money reversed by the dispute dept from claims on one checking but reversed on the other, and then duplicate reverse. 6 months now fighting to receive it back. Multiple disks opened but then no record of it. Countless times being hung up on, and hundreds of hours in hold or discussing with citi XXXX. The reverted funds conducted by the dispute dept overdrew my account as the prior was XXXX. So their excuse of taking it from a sixteenth account being a availability was not legitimate. I have video of my screen as I'm on the phone with citi explaining the miscalculated XXXX on my account and you hear get hang up, I push the back button, and my balance mysterious adjust XXXX XXXX Not to mention XXXX transaction resulting in a reduction of nearly XXXX $ in the balance blatantly obvious and documented. I have hundreds of prints, statements, dispute inaccuracies, bogus letters, phone conversations XXXX screen recording including complete ignorance and refused assistance from '' citi ''. Finally, everything 's I would mention fraud or fake citi representatives, the rep would get tonguetied and hang up the phone. They never spoke clear English And when I requested to be transferred to a rep in the USA as I have the right to do, it was met with resistance and even refused. From their collections dept calling me for a beg balance and not having any clue to dispute against the cause of it being their own company to having to replace 8 debit cards in the past year, one of which was activated via phone that I never resourced, and over the phone changed primary account to that debit card, and citi not allowing online access unless a debit card is active, to the incorrect account number referenced in their letters, and only referencing via the debit card last 4, and requesting the pin thru automated system to get any info. And ask awhile being charged a XXXX service fee and being labeled as a client. It seems to be a3rd party representing citi or similar nature and illegal acquisition of personal information and unauthorized transactions posed using previous account items that are being conducted by this overseas 3rd party. I have found multiple reports of similar XXXX  on the federal government report list for the consumer protection department as well. The amount of evidence I have uncovered is overwhelming and I have now had my checking account forceful closed by the bank and now the refuse to help in any way including retention of my ssa remaining funds and still not refunding the money they took in err in XXXX that I report at least 3 times a week. This is also witnessed with XXXX now and XXXX  XXXX. ALL OF WHICH USE XXXX  to verify accounts, but who also has a code in the appk that allows them access even after a password change. I've noticed apps like XXXX, XXXX, etc all user the verification methods, and concise with the questioned transactions with a transaction of their own, such as XXXX $ free charge the day before etc. And they are all using the debit card to do so, which would explain the categorized \" atm '' to be categorized as debit not withdrawal. This needs to be investigated IMMEDIATELY!! I","date_sent_to_company":"2021-10-31T21:59:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"93536","tags":"Servicemember","has_narrative":true,"complaint_id":"4861550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-10-31T21:53:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This needs to be <em>investigated</em> IMMEDIATELY!! I"]},"sort":[7.9093943,"4861550"]},{"_index":"complaint-public-v1","_id":"12651396","_score":7.716915,"_source":{"product":"Credit card","complaint_what_happened":"The company, Citibank has not helped me. They so clearly favor the merchant, XXXX, even though I have provided so much evidence against them clearly showing they have not provided me with any services!!! \n\nThis is regarding the letter that I received today XX/XX/XXXX from Citibank regarding my ongoing disputes with XXXX. \n\nNote that I have submitted XXXX disputes, XXXX for the {$2100.00} USD charge on XX/XX/XXXX ( which I appealed XXXX ) and another for the {$2100.00} USD charge on XX/XX/XXXX ( which I am also now appealing XXXX ). \n\nI have reviewed the documentation provided by XXXX and as expected their documents are indeed fabricated ; therefore, I am appealing. I want to further iterate that XXXX  DID NOT provide me with the services for the {$4200.00} USD that I paid to them ( please also note that this payment was split in XXXX and that they would not commence their services until they received the amount in full ). \n\nIn addition and another very important thing to note, if you notice, XXXX key document is missing here ( AN ITEMIZED LIST ), this was to include the following : an itemized report from XXXX on any work for our case to date ( task, hours spent, person involved, etc. ). XXXX stated that they had such a list ; however, they failed to provide this in their documentation to you. A written report and or statement regarding the status of XXXX 's efforts to date, and remaining steps to be completed. Names and contact information for XXXX  staff responsible for completing all components of the immigration process. All they provided to you was phone logs ( which I speak to ), documents that I sent to them and named myself ( which I also speak to ), and an evaluation that was completed and paid for in full ( {$1400.00} USD ) using my XXXX debit card and has XXXX to do with this investigation ( which I also speak to ). Again, I was not even requesting the {$1400.00} USD back but this should not matter as it has nothing to do with this and was already accounted for. \n\nBefore I begin, I also want to bring awareness to the fact that this company is not legally allowed to operate and is violating immigration laws. In addition, they are now a known scam and have unfortunately scammed many others. The documentation that they provided to you is invalid and the fact of matter is they are not legally permitted to provide me with services period. I have spoken with many others, all who have also filed similar complaints against XXXX and XXXX provides the same documentation each and every time. They are truly unscrupulous in their actions. \n\nPlease refer to the XXXX XXXX XXXX ( XXXX ) news article and TV segment. This further explains what I have been describing since the beginning of my disputes. This brings awareness to XXXX in specific and the scam that they are running, as well as my story and another individual 's story. The proof of the illegitimacy of this company is right here. In my opinion, there should be no doubt that my disputes are valid, especially in light of these news stories and the evidence that I am sharing. I am unsure why my disputes would get denied when I am providing actual evidence and showing you the truth behind this unscrupulous and shady company, XXXX. \n\nXXXX XXXX Article : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Now to address what XXXX sent to Citibank... \n\nFirst, regarding the phone calls that XXXX displayed dating back from XX/XX/XXXX - XX/XX/XXXX. All calls that occurred prior to XX/XX/XXXX were regarding payment ( specifically XXXX requesting the second part of the {$4200.00} USD payment ). If you look closely, see that each phone call ( by them ) is as short as XXXX seconds long to as long as XXXX minutes and XXXX seconds long with the exception being XXXX minutes and XXXX seconds long, which is part of their payment processing phone call/time. Note that XXXX continually called me to receive the second part of their {$4200.00} USD payment ( hence why they have so many phone calls listed- they were pests about it ), they called and called and called until they received that final payment. I did not answer the calls that they listed. On XX/XX/XXXX I submitted the second payment ( {$2100.00} USD ) and on XX/XX/XXXX they had someone call me to confirm payment/send me the docusign for the payment ( referencing the XXXX minute and XXXX second phone call ). All calls from XX/XX/XXXX to XX/XX/XXXX were calls questioning their services ( i.e. their validity as a company, lies, misrepresentations, and all of the falsities that we were told ), as well as XXXX requesting a refund. Note that the bulk of these calls were them transfering us from person to person and then hanging up or of us calling and waiting for them to put us through to someone only to have them hang up ( I have documentation of this in the numerous recap emails that I sent to XXXX ), which are attached to this email. These calls were NEVER productive and DID NOT PERTAIN TO ANY SERVICES PROVIDED, they simply were regarding the opposite ( the lack of services and the lies told by this company, as well as XXXX asking for the refund in full due to this ). It is truly comical to me that they provided these calls to you as they mean absolutely nothing and are solely being used as a tactic by them to make them look like they provided the service, which they did not. Note that I recorded several of these phone calls and have proof of what I am writing here. Please let me know how I can send these documents to you as they are recordings from my XXXX - I would like you to listen to these ( I told XXXX I was recording them, as well ). \n\nSecond, another EXTREMELY disturbing item that I see they provided to you is the evaluation results. This has NOTHING to do with Citibank. In fact, this evaluation occurred back in XX/XX/XXXX and has NOTHING to do with this investigation. This evaluation happened prior to any charges being made with my Citibank card. Before agreeing to move forward in utilizing the \" services '' of XXXX, XXXX asked that I make a payment of {$1400.00} USD for them to provide me with an evaluation. This evaluation was paid for by me using my XXXX debit card and has nothing to do with this, they are using it to trick you into believing that they provided me with services to justify both charges of {$2100.00} USD when in actuality this is entirely unrelated. In fact, this {$1400.00} USD charge was required in order to proceed with using XXXX and is listed as completed prior to any charges occurring with Citibank ( I was not even asking for this {$1400.00} USD amount back ). Back in XXXX of XXXX XXXX requested a total payment of {$1400.00} USD ( split into XXXX payments, {$300.00} USD, {$580.00} USD, and {$610.00} USD ), which they said would cover the creation of our profiles with the government XXXX XXXX XXXX, uncover which visa options we would be eligible for and a formal evaluation, document collection, and access to XXXX employees for information. The first payment of {$300.00} USD occured on XX/XX/XXXX, the second payment of {$580.00} USD occured on XX/XX/XXXX, and the third payment of {$610.00} USD occured on XX/XX/XXXX ( these payments were made using my XXXX  debit card ). On XX/XX/XXXX, I received my evaluation results, which provided more detail on the visa program that myself/my family were eligible for, this was the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX After which, I had a telephone conversation with my assigned Account XXXX, XXXX XXXX. It was during this telephone conversation that XXXX XXXX informed me that an additional payment of {$4200.00} USD would need to be submitted to use XXXX services in obtaining our visas and submitting our application to the XXXX government, the services included with the next payment of {$4200.00} USD were to be guidance/assistance with the visa process in its entirety, document collection/verification, submission of our visa application by an XXXX  lawyer, career development, biometrics screenings, final visa costs, etc., I had concerns with the price, {$4200.00} USD, as well as the previous price of {$1400.00} USD, which I stated to XXXX XXXX during our telephone XXXX and in an email sent to him on XX/XX/XXXX. I even told XXXX XXXX that I felt the initial fee of {$1400.00} USD was too high as what XXXX had \" completed '' for me was something I could have easily completed on my own ( without the use of a company such as XXXX ) and was done under false pretenses ( using a fake XXXX score ). I also stated my concerns with using XXXX for this reason and asked XXXX XXXX why I was using their company over others or doing it on my own. \n\nXXXX, XXXX is stating that they \" spent over XXXX hours working on my case. '' This is entirely false. As indicated in several emails they did not verify any of my documentation ( we did not even get to this phase ). All they did was collect my documents ( which I verified on my own ). Every file that they sent to you are files that I sent to them with my document names. Documents that they are not even allowed to legally have as they are unauthorized to be providing services. In addition, they are what you refer to as ghost consultants- meaning that once they get your money, they ghost you and disappear. The XXXX hours they claim that they spent verifying my documents is a lie, sure they were sent my documents, but they did not do anything with them. The XXXX hours they claim they spent providing informational services on the phone are also false. As previously mentioned every single phone call was them asking for more and more money and when they finally got it every phone call thereafter was us requesting a refund and questioning the validity of their company ( again I have the recordings and recap emails as proof ). The XXXX hours that they claim they spent regarding my evaluation assessment has NOTHING TO DO WITH THIS PAYMENT OF {$4200.00} USD - IT IS UNRELATED AND WAS PAID FOR USING MY XXXX  DEBIT CARD! Also, it did not take the XXXX hours, they simply plugged my info into the Come to XXXX tool on the XXXX website and the tool created the results for them. They did this under false pretences, which I already stated ; however, it is a moot point as this is unrelated to the {$4200.00} USD charge!!! They would not even proceed to the {$4200.00} USD payment until the {$1400.00} USD was paid and as indicated in the document that they sent to me, the evaluation was accounted for in the {$1400.00} USD payment ( see attachment named XXXX Services - Agreement to Provide XXXX XXXX ), this literally shows in writing that this was already taken care of prior to the {$4200.00} USD charge ( again this is UNRELATED to Citibank and is being used as a tactic by them ). \n\nI am aware of what I signed with XXXX and have copies, as well. Yet, XXXX XXXX irony here is that they are not allowed to be operating!!! They are ghost consultants and will say/do whatever it takes to get their money and will fabricate numerous lies along the way. The evidence is clear and the fact that Citibank is not taking my side here is actually appalling. Their agreement is invalid because they are not a legitimate company. Nonetheless, yes, I signed their agreement but this still does not dispute the fact that literally NO SERVICES HAVE BEEN PROVIDED REGARDING THE {$4200.00} USD PAYMENT!!! They will not even begin to provide services regarding the {$4200.00} USD payment until after they receive the amount in full! They did not receive the full amount until XX/XX/XXXX and immediately after I sent the payment I discovered that this company, XXXX, was a fake. I literally called and emailed them the next day telling them this and I stated that they were not legally allowed to operate and requested the refund simultaneously. The entire week after the XX/XX/XXXX charge was spent trying to get ahold of them on numerous occasions, them ignoring calls, hanging up, transferring from person to person, talking in circles, telling lies, and fighting every step of the way - THEY DID NOTHING WITH MY DOCUMENTS, THEY DID NOT EVEN SUBMIT AN APPLICATION - AGAIN NO SERVICES WERE PROVIDED!!! All that occured was fighting and XXXX pleading to get our money back. I literally submitted my disputes with Citibank exactly XXXX week after submitting the last payment of {$2100.00} USD on XX/XX/XXXX ( this should further prove again that no services were rendered ). The evidence is so beyond clear. \n\nIt is truly a shame that consultant companies such as XXXX  are allowed to operate and continue to profit off the naivety of individuals interested in creating a better life for themselves. The issue here is that there is not sufficient consumer information available to protect individuals from falling victim to unscrupulous and shady companies looking to manipulate the system and take advantage of consumers. The bank should not be turning a XXXX eye to this issue. More regulations and enforcement are needed for those companies, such as XXXX, that violate the system. Unfortunately, being a new family looking into the best life possible for our son, we were too distracted to realize what we had taken on in engaging XXXX  ( as I know is the case for others ). However, what does not help is that there is limited information available and oftentimes what you read online is not the truth ( fake reviews ). I am truthfully worried that more individuals will fall prey to these types of scams. The banking sector and government authorities need to do much more to protect consumers. \n\nAgain, please let me know how I am able to send my phone recordings. I will send directly to this email or via XXXX XXXX if I must ( but it is important to me that you review these as it further proves my point ).","date_sent_to_company":"2025-03-25T18:04:02.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"12651396","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-03-25T17:39:13.000Z","state":"NY","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":["They did not receive the full amount until XX/XX/XXXX and immediately after I sent the payment I <em>discovered</em> that this company, XXXX, was a <em>fake</em>. I literally called and emailed them the next day telling them this and I stated that they were not legally allowed to operate and requested the refund simultaneously."]},"sort":[7.716915,"12651396"]},{"_index":"complaint-public-v1","_id":"3678759","_score":7.5543633,"_source":{"product":"Checking or savings account","complaint_what_happened":"Title : Citibank blames the victims of crimes and allows for criminals to get away with the scams they orchestrate. \n\nToday 's Date : XX/XX/XXXX To Whom it May Concern, I was scammed in XXXX of XXXX in the amount of {$2200.00}. The way Citibank has handled this scam has been nothing short of stressful, deplorable, and down-right baffling. The lack of communication between departments and the lack of communication between myself and those departments have either been non-existent or when existent, extremely confusing. Their inability to connect me to the correct departments through physical mail and through the customer service line was an absolute nightmare. In this letter, I will be thoroughly explaining all instances in which Citibank has failed in customer service and has made a victim of a crime pay for the actions of the criminal even when there was an on-going police investigation. \n\nWhen I was scammed I was a XXXX XXXX XXXX. A new one simply trying to earn some money. I began in XX/XX/XXXX and in XX/XX/XXXX I was lucky enough to finally find a steady job as I had been unemployed for 3 months. The job only paid {$37000.00} a year ( before taxes ). To say the least, I am not made of money. A woman contacted me to buy products from me for her step-daughters wedding. ( I have the statement I gave to police along with the police report ). Long story short she said she messed up the check. She convinced me to deposit the check and then send the money to a separate account that was apparently the wedding planners because she had included the wedding planners payment in the same check as my payment for the products she was ordering. She did this to steal the money from my account. Citibank was not able to catch the fake check even after TWO separate deposits were made into my account over the course of 5 days after depositing the check at a Citibank ATM. When Citibank finally discovered that the check was fake, my account was frozen, but luckily I was smart enough to remove most of my savings ( which was only around {$1200.00} ), leaving around only {$250.00} in my savings account. As I mentioned earlier, I am not made of money, therefore there was no money to steal, and my account went into the negative over {$2000.00} after the check bounced ( I believe I may have had {$35.00} in my checking account at the time ). \n\nAfter seeing my account had frozen I went into a panic, called Citibank, and I was told that I couldnt do anything and that I was responsible and I owed Citibank the money now. Money I didnt steal. Money that was never mine since my account was now in the negative due to this criminals manipulative and heinous actions. I can only imagine how many people around the US have had the same issue happen, and are now in debt literally paying for the actions of a criminal. \n\nAfter having a full blown XXXX XXXX since I had no money already and now was thrown into {$2000.00} worth of debt, I got on the phone with Citibank again to file two separate claims. As I mentioned earlier, there were two deposits that went through and both were sent separately to the wedding planner. One payment via bankers check ( I have a picture of the check and the receipt and the account numbers I was asked to send it to ) and one payment via XXXX payment ( I have a picture of the receipt ). The bankers check case was for {$1800.00} and the XXXX payment case was for {$400.00}. The next day I filed the police report. The next few months were probably the most stressful, frustrating, and depressing months of my life dealing with Citibank and their lack of customer service and common sense. \n\nI may have called Citibank 12 times between the months of XX/XX/XXXX to the end of XX/XX/XXXX. Every time I called I was either transferred to the wrong department ( a rep said quote : they always do that. ), given the wrong information to support my claims, was told that the letter I sent was never received, and I had sent it to the completely wrong address ( a letter that contained account information, case # s for Citibank, and my police report number and my address ), and the most frustrating part of it all was that on one of my last calls with Citibank, I found out the large claim I made for {$1800.00} was actually closed months ago even though on my last 9 calls I was told it was still active. Even though I had asked in XXXX why I got a letter in the mail saying that the claim was denied under the category of forgery BECAUSE I PRESENTED ID AT THE BANK and they told me that they didnt know what letter I was talking about ( I HAVE THE LETTER ). THE CLAIM HAD ABSOLUTELY NOTHING TO DO WITH FORGERY OR IF I WAS THE PERSON DEPOSITING AND REMOVING MONEY FROM MY ACCOUNT. MY CLAIM WAS IN THE WRONG CATEGORY. It is important to note that my large claim was denied only 3 days after I gave Citibank the police report number. The police categorized the case as XXXX XXXX. I am amazed at how quickly Citibank was able to complete their investigation when the police hadnt even started theirs. \nThis is what these scammers do. They get the person to do all the work for them so that the victim is left crying on the floor having a XXXX XXXX being told she is now responsible for the negative balance, while they enjoy the money they just made. Criminals/Scammers have been profiting off of this loophole Citibank has never closed and instead of closing the loophole they attack the victims. \nIt was in this call that I also found out I had been given the wrong number to call when trying to get updates on the {$1800.00} claim. The {$1800.00} and {$400.00} claims were actually in different departments which I was never told about, AND the numbers on the letters I was getting in the mail were not even the correct numbers! How is one supposed to be productive if they are never given the correct information? How is one supposed to resolve issues when departments that have nothing to do with each other are giving information they dont have, are not privy to, or are not up to date with because IT IS NOT THEIR DEPARTMENT? This call was also where I filed my first complaint with Citibank. \n\nDue diligence is another thing that is not taught at Citibank apparently. I had to explain my story to a new customer service rep, sometimes multiple times per call, every time I called because notes were not being taken properly. Additionally, I have few letters telling me to contact the CRIMINAL that SCAMMED me in order to figure out where my money is. Additionally, I never received the letter I needed to send back with a copy of my police report because the vaguely named back office has their ways and already got my police report. Truly laughable. \n\nFast forward XX/XX/XXXX, I still hadnt received the information on how to get my remaining funds out of my savings account mind you, I get a statement in the mail saying my account is now at zero. In the middle of a global pandemic, CITIBANK REMOVED THE FUNDS FROM MY SAVINGS TO SETTLE DEBTS IN MY CHECKING ACCOUNT WHICH WAS NOT AUTHORIZED. This is where I filed a second complaint with Citibank. I was also informed that the investigation for my claims was still under investigation ( even though I was told after I appealed it that it got denied again and the investigation was closed ) and I was told that if the investigation went in my favor the money would be returned. Why is my money being moved during an active investigation in the first place? Why was I never given the provisional credit I was promised either in the beginning? What is going on?? \nCitibanks Faults : 1. Incorrect information given on the status of on active claims ( repeated offense ) 2. Departments giving out information that is not part of their department ( repeated offense ) 3. Inability to transfer a customer to the correct department ( repeated offense ) 4. Victim Blaming 5. Moving money without the customers permission 6. Giving incorrect addresses where to send delicate information that includes full name, case numbers, police report numbers, address, and telephone number of customer. ( and apparently never receiving it even though it still went to a Citibank corporate address, albeit the wrong address, but still a corporate address where Im sure it could have been located ) 7. Lack of due diligence. ( repeated offense ) 8. Incorrectly categorizing claims, making the process even longer. \n9. Disorganization ( repeated offense ) 10. Incorrect phone numbers given on letters from Citibank updating the customer on the status of their claims. ( repeated offense ) 11. The inability to properly inform a customer on what department to contact when trying to obtain information ( repeated offense ) 12. Telling the customer to contact the criminal that scammed said customer even though the customer told Citibank numerous times to stop doing that for obvious reasons. \nI was a customer of Citibanks for five years ; my credit score is a XXXX according to XXXX XXXX and a XXXX according to XXXX. I pay my bills on time and I have always been a model customer to all banks. Never in my life did I think a bank would blame a victim of a crime for being a victim of a crime. It is absolutely nauseating. And to have it all handled so poorly. Beyond upsetting. They moved the money from my SAVINGS to pay off a debt a CRIMINAL created and used me as a puppet to do. I am LUCKY that I decided to move to another bank because I fear that my stimulus check would have been taken as well. \nCitibanks entire Code of Conduct is 56 pages worth of LIES. I would quote from it, but that would be pointless seeing as I would have to copy and paste the entire PDF onto this word document. \n\nI am not paying off debt that is not mine. I am not giving my money to a company that blames the victim, frequently provides false information, and does not live up to their Code of Conduct. The purpose of their claims department is to help those that have been wronged and to provide ADEQUATE, PROPER, LEGITIMATE, and TRUSTWORTHY investigations. I highly doubt that is what their back office was doing. \n\nAs a side note : if the transcripts of each call are obtained by Consumer Finance ( I do not have {$2000.00} to pay off a scammers payday let alone funds to pay for a lawyer and get a subpoena ) I would be more than happy to devote my time and read every single 1.5-2 hour long transcript and highlight every single instance where Citibank went wrong to further prove my argument. \nPlease be advised that I have included multiple appeal numbers for both the {$1800.00} claim and the {$400.00} claim. The number on the name of the photo is simply indicating that it is another photo and it is different from the others that are named similarly. It is not naming the appeal numbers in chronological order based on when they were received. \n\nThank you for your time.","date_sent_to_company":"2020-06-02T05:26:17.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"11229","tags":null,"has_narrative":true,"complaint_id":"3678759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-06-02T00:38:03.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["Citibank was not able to catch the <em>fake</em> check even after TWO separate deposits were made into my account over the course of 5 days after depositing the check at a Citibank ATM. When Citibank finally <em>discovered</em> that the check was <em>fake</em>, my account was frozen, but luckily I was smart enough to remove most of my savings ( which was only around {$1200.00} ), leaving around only {$250.00} in my savings account."]},"sort":[7.5543633,"3678759"]},{"_index":"complaint-public-v1","_id":"3801356","_score":7.4541597,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been a high net worth customer of JPMorgan Chase Bank with a relationship spanning over 30+ years. In addition, I am a XXXX female XXXX with a 25 year career spent working at the top in XXXX XXXX and XXXX XXXX, ( with professional relationships extending to the Board of Directors of JP Morgan Chase ). Therefore, I have been shocked and appalled at the unprofessional, unfair, and illegal treatment that I have received at the hands of JPMorgan Chase, and specifically, the Chase Executive Office and Chase Credit Card Services in the handling of fraudulent charges made on two of my Chase Credit Cards by a former employee of mine. If someone with my stature, expertise, C-suite relationships and access can not get fair treatment from a financial institution like Chase, then the everyday citizen has literally no hope. Chase 's actions have exposed the ugly underbelly of a financial institution in total control of the situation and uses their power to avoid protecting their customers, nevermind that they are legally bound by fiduciary duty to do so and investigate any disputes in a thorough, professional manner. \n\nHere are the pertinent details : On XX/XX/XXXX, my husband and I discovered that a trusted employee of ours ( our House Manager, who is the daughter of our now-former long-term Housekeeper ) had been stealing from us for the past 20 months. In addition to bank and check fraud, stealing physical items and cash from our home, and identity fraud, she and her family members were making unauthorized charges on two of our Chase Credit Cards without our knowledge or permission. She was actively concealing XXXX XXXX XXXX of dollars of fraudulent purchases by setting up fake Amazon accounts, XXXX accounts, etc. and mirroring our household purchases in a way that made it very difficult to discover. When we discovered the fraud, we went immediately to the XXXX XXXX Police Department ( XXXX ), and were fortunate enough to have a relationship with the Deputy Chief of Police who put us in touch with our local division 's fraud detectives. Subsequently, given the complexity, scope, and dollar amount of the fraud, the bulk of our financial case was assigned to the XXXX XXXX XXXX ( XXXX ) of the XXXX. Initially, we were instructed IN WRITING by the XXXX detectives handling our case NOT to notify our insurance companies or financial institutions of the fraud until the XXXX had determined a final total loss amount given that they had to review over 1,000 pieces of evidence of the fraud in the form of receipts, statements, texts admitting the fraud, etc. \n\nThis is a COMPLICATED case with a lot of moving parts, as evidenced by the XXXX 's documentation and over 1,000 pieces of evidence. As it relates to Chase, the case involves the massive fraudulent use of two Chase credit cards : On the first card, the employee was NEVER an unauthorized user on the cardwhich is indisputableand therefore the investigation was simple in that she was never authorized to make purchases on the card and was never in physical possession of the credit card. Instead, unbeknownst to me, she had stolen the card number from my wallet and was using the card number, expiration date, and CVV information to make ONLINE purchases only, the bulk of which were through a separate Amazon account that she set up in her name and linked our Chase credit card to. She not only fraudulently purchased goods outright on the unauthorized, stolen card, but also used hundreds of thousands of our Chase Ultimate Rewards points to purchase ( or offset some of the purchase ) of goods on Amazon. \n\nThe second Chase card was more complicated, because our employee WAS an authorized user on the credit card and had a physical credit card with her name on it that she was authorized to use in order to purchase groceries and other household items for our home. However, rather that making authorized purchases for us as part of her house manager job, she was passing her physical credit card to members of her family to use ( which is being investigated by XXXX ) ; therefore those users were unauthorized to use the card, and they were therefore clearly making fraudulent purchases. The Chase Executive Office and Chase Fraud Dept said that their investigators would be reaching out to the retailers involved to investigate the charges made on that card, and to determine who, in fact, was using the credit card at the time of purchase. If it was our employee making the charges, then those charges would not be reversed since she was personally an authorized user on the card ; however, if she was not the one making the purchases, those charges would be both fraudulent and unauthorized, and would be reversed permanently. \n\nGiven the astronomical dollar amounts associated with the fraud, and after waiting for over 30 days for the XXXX to start their investigation, I approached the XXXX and asked them to allow me to contact Chase and our other financial institutions to begin to recover our money, given the tremendous financial burden the fraudulent activity had created for my family. The XXXX agreed, telling us that we needed to make sure Chase Fraud investigators did not \" tip off '' the perpetrator, and that the fraud department should work in concert with the XXXX, as they too [ Chase ] were victims of the fraud. \n\nOn XX/XX/XXXX, after having been given the OK by the XXXX to approach Chase, I called and wrote an email to XXXX XXXX, EVP of Chase Card Services, copying XXXX XXXX, Co-President and COO of JPMorgan Chase and CEO of the Consumer & Community Banking division explaining the situation. I approached XXXX and XXXX given my 25 year career in the financial services industry and given several relationships at the top with JPMorgan Chase executives, including two of their Board members. \n\nShortly after my email was sent, in early XXXX I received a call from \" XXXX '' in the Chase Executive Office ( no last names are given even when requested ). When we finally connected ( he was out of town and unreachable for at least 2 weeks ), I explained the entire situation to XXXX in granular detail and he asked me for any supporting documentation, including the XXXX case information. After assembling the information into an organized set of documents as XXXX had requested, on XX/XX/XXXX, I sent him seven separate emails with all of the documentation from the XXXX along with the disputed charges on both Chase Credit cards. I then sent XXXX an 8th email on XX/XX/XXXX with a copy of all of the documentation regarding the Chase Ultimate Rewards Points that the perpetrator had used to fraudulently purchase goods on Amazon account using my Chase credit cards/Rewards Points. When I did not hear back from XXXX, I called him to follow-up a week later, and he informed me that I needed to call the Chase Fraud line directly to report the fraudulent charges to them so that they could reverse them on both credit card accounts directly. \n\nWhen I called the Chase Fraud department, they instructed me to FAX a copy of all of the disputed, fraudulent charges to them which I did since they could not accept emails from outside parties. After following up on the fax over the next two weeks, I was informed that Chase never received my fax. The representative I spoke with suggested that I go into a Chase Branch to have them send the fax \" intra-Chase '' so that we would get a confirmation number and be able to track the fax. On XX/XX/XXXX, I went into my local Chase retail branch and spoke with a helpful Chase \" Relationship Banker, XXXX, who assisted me in sending two faxes detailing the disputed charges on both credit cards, one 80 pages and the other 20 pages, to the Chase Fraud department fax line. She kept the confirmation sheets that the faxes had sent, along with the fax number they were sent from ( the branch ). When I called to follow-up on the faxes with the disputed charges within the week, I was told that the faxes go to a separate Chase Fax Dept. and it can take up to ten business days for them to be reflected, but that with the XXXX holidays approaching, and several bank holidays pending, I should wait until after the first of the year. \n\nOn XX/XX/XXXX I called the Chase Fraud Department again and was told they had not received them. On XX/XX/XXXX I called again and spoke to a man named XXXX who informed me that my case was being reassigned, but that there was no record of any disputed charges in their system, and no record of a fax being received. At this point I went back to the branch and enlisted XXXX help again ; this time she called the Chase Fraud Department directly and asked XXXX whether she could send Chase Fraud a copy of the disputed charges via email ( along with all of the supporting documentation for my case ) if I emailed them to her. Chase Fraud agreed to accept the information from her since it was internal Chase -to-Chase email, and on XX/XX/XXXX I forwarded to XXXX 11 emails which she then forwarded to Chase Fraud Dept. The emails not only included the disputed fraudulent charges on both credit cards, but all of the supporting documentation that had already been sent to the Chase Executive Office. \n\nDuring the last week of XXXX, I called the Chase Fraud Dept. again and spoke with a man named XXXX, who informed me that they had received all of the disputed charges on both cards emailed to them by XXXX. XXXX informed me that a Fraud dept. employee named XXXX had received our emails with all of the disputed charges, and that he would finish inputting the fraudulent charges in the system by the end of the week. XXXX assured me that once the charges were inputted into the system, my case would be assigned to a Fraud Investigator who would reach out to me directly to hear all of the details of my case, and would serve as my point person throughout their investigation, including speaking the the XXXX XXXX detective in charge of my case. \n\nAround this time I received a voicemail back from XXXX in the Chase Executive Office saying that he had reviewed my case and would suggest that I pursue the case as a civil matter, asking the perpetrator to make restitution for the fraudulent charges. I immediately called XXXX in the Chase Executive Office to ask why they would have made that determination, but was told that he no longer worked in the division and that my case was going to be reassigned to another individual, but that they did not know the name of the person it was being reassigned to at that stage. I explained all of the other things I had been doing with the Chase Fraud Dept. in the meantime. I was told that I would receive a call from the Chase Executive Office shortly with the name of the newly assigned investigator/case lead. \n\nAfter having XXXX XXXXXXXX on XX/XX/XXXX, I spent the first few weeks of XXXX recovering. By the last week of XX/XX/XXXX, after making several additional phone calls to the Chase Fraud Dept., none of the disputed charges had shown up in the system. I reached out to XXXX again, and she reached out to XXXX and his supervisors through Chase internal channels. At this stage everyone was very apologetic, and XXXX promised to get all of the disputed charges into the system by the end of that week. Sometime shortly thereafter, all of the disputed charges FINALLY showed up as credits on my credit card statements. This was a tremendous relief, and as soon as I saw the credits hit, I called the Chase Fraud Dept. and the Chase Executive Office to find out who had been assigned as the investigator for my case. To my dismay, NO ONE had been assigned. They simply credited the amounts and then did not investigate them. \n\nJust as soon as I was credited for the disputed charges, those charges were reversed. I was not called by an investigator at any time, and the only communication I received was a letter from XXXX in the Fraud Department ( XXXX ) XXXX, Ext. XXXX saying that she had completed her review and that I am responsible for all of the disputed transactions because You received benefit from this transaction. No other information. When I called her to ask more information, I spoke with XXXX in the Chase Fraud department ( extension XXXX ) who told me that XXXX was no longer handling my account, but that if I was dissatisfied with the outcome he could reopen the case and take a look at it. I re-explained the entire situation again to XXXX, particularly focusing on the UNAUTHORIZED credit card which is exceedingly straightforward and indisputable, and outlining the disputed charges and encouraging him to speak to the XXXX and review all of the documentation I had provided. XXXX came back to me after XXXX weeks to say that he was backing up the XXXX findings, and that they had made their ruling based on two FACTUALLY INCORRECT findings : first, that our former employee was an authorized user on both credit cards ( she was not! ) and second, that I had waited until XXXX of XXXX to report the fraud and attempt to have the charges investigated and reversed ( which is not true and evidenced in dozens of emails dating back to the fall of XXXX ). I told him that neither of those facts were true and pointed him in the direction of the evidence to the contrary ( very simple to find in this case ), but he then told me he couldnt do any more and that I would have to request an appeal if I wanted anyone to continue to investigate it. He seemed VERY unprofessional and unknowledgeable, so I asked him how long he had worked in the Chase Executive Office..his answer  was less than 3 months. He had NO IDEA how to actually investigate my case. I told him I did want to appeal, at which point he told me that he was passing my case on to another, more experienced investigator who would call me shortly. \n\nBy this point, XXXX, COVID was in full swing. When I would call to follow-up I would simply get referred to the online system, with a recorded notice instructing me to email them at XXXX. On XX/XX/XXXX I finally received a final voicemail from a woman named XXXX in the Chase Card Services Executive Office saying that she received word that I did not agree with my disputed charges being declined, but that because all of the charges were being made by an authorized user there would be no additional assistance Chase could provide and that therefore I was liable for all charges and that they recommend I pursue it as a civil matter with my former employee. Obviously, this is absolutely NOT TRUE, and easily verifiable by looking at the basic cardholder agreement and list of authorized users on each credit card. After returning XXXX call about half a dozen times and leaving detailed messages, I have never received a call back. \n\nThis unconscionable treatment by Chase comes without regard to the XXXX XXXX XXXX XXXX ( XXXX ) evidence, an admission in writing on the part of the former employee detailing her commission of the crimes, and findings by the investigative divisions of other insurance and banking institutions ( XXXX XXXX  and XXXX XXXX ) clearly acknowledging the factual extent of the fraud and making appropriate restitution under the law. \n\nOnly JPMorgan Chase has refused to actively investigate the case. To date, I have made DOZENS of documented calls to Chase, and have sent well over 30 detailed emails to individuals in the Chase Executive Office, Chase Fraud Department, Chase Fraud Recovery ( both inbound call teams and investigators ), and Chase Branch over the course of 11 months. During that time, Chase has been giving me the run around for months they refused to actually assign an investigator to my account when I was assured repeatedly that would be the next step. The investigator was supposed to be someone I could speak with who would serve as a point person for my case : someone who was accountable for communicating where things stand with regard to my case, whom I could give all of the evidence to, and whom I could put in touch with the XXXX detective in charge of my case. \nInstead, every time I called I had to start over from the beginning, each call taking well over an hour since I could never reach the same person twice. The only Chase employee who has shown any desire to actually provide me with assistance and who clearly understands that I am being treated unfairly by Chase is XXXX. At this stage I am at a loss with regard to next steps, other than to file this complaint with the CFPB, hire and attorney, and sue them over the breach of fiduciary duty to protect my interests as a cardholder in keeping with their stated financial practices.","date_sent_to_company":"2020-08-18T06:51:02.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90045","tags":null,"has_narrative":true,"complaint_id":"3801356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-08-18T06:12:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["She was actively concealing XXXX XXXX XXXX of dollars of fraudulent purchases by setting up <em>fake</em> Amazon accounts, XXXX accounts, etc. and mirroring our household purchases in a way that made it very difficult to <em>discover</em>. When we <em>discovered</em> the fraud, we went immediately to the XXXX XXXX Police Department ( XXXX ), and were fortunate enough to have a relationship with the Deputy Chief of Police who put us in touch with our local division 's fraud detectives."]},"sort":[7.4541597,"3801356"]},{"_index":"complaint-public-v1","_id":"9877640","_score":7.3203473,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing to express my deep concern and dissatisfaction regarding CashApps recent actions. I am both disappointed and shocked by the bank 's handling of a critical situation involving a significant money transfer from my account to scammers. \nSince XX/XX/year> I have revealed that I was sophisticatedly scammed and deceived. A total amount of XXXX USD was transferred from my account utilizing CashApps services to scammers using trickery, manipulation, advanced money extraction techniques, and lies. \nThe History of the Scam Events : I fell victim to an Online trading company, that misrepresented itself as a legitimate brokerage offering me to make great returns on so-called Online trading with little to no risk. I thought I was going on a legitimate investment track, and I would like to mention that their methods were illegal, manipulative, against regulation, and very questionable. \nSeveral individuals approached me on XXXX regarding investments in cryptocurrency. \nAfter conversing with one particular individual named XXXX XXXX, who had several mutual friends and a background supposedly similar to mine before entering the XXXX  space, I decided to invest. XXXX XXXX claimed to work for XXXX, and my account appeared to be listed on XXXX. \nInitially, everything seemed legitimate. Encouraged by apparent success, I was pushed to invest my own funds. It is important to mention that I made several transfers through my CashApp banking account, totaling a substantial amount of XXXX USD, with the expectation of significant returns on my investment. \nOver six months, I invested a total of {$16000.00}, with an expected withdrawal amount of {$66000.00} due about two weeks ago. \nXXXX informed me that I needed to pay {$6000.00} in taxes, which I started paying in installments. \nAfter paying {$5800.00}, I received an email, purportedly from XXXX, indicating that the tax amount was actually {$10000.00}. Suspecting fraud, I accused both XXXX and the email sender of being scammers and now believe I have lost everything. \nFeeling coerced and intimidated, I reluctantly proceeded with the requested transfers under the false impression that I was fulfilling legal obligations. However, as the demands for more funds persisted, and with the realization that I was being manipulated, I refused to comply any further. \nSubsequently, I discovered a company called XXXX XXXX XXXX, which claimed to have recovered my entire investment. They requested a \" gas tax '' and a 10 % fee. However, after consulting with an expert from XXXX, I was advised that this company is also likely a scam. \nRegrettably, after I sent the funds to this company, I could not access the platform anymore. \nAll communication was ceased, leaving me feeling betrayed and financially vulnerable. This unfortunate experience underscores the importance of vigilance and education in the digital age, especially when dealing with financial transactions and personal information online. \nFeeling increasingly suspicious about these escalating demands, I expressed my concerns and requested a withdrawal multiple times. However, instead of addressing my concerns, the company simply banned my account, leaving me unable to access my funds. My naiveness was sophisticatedly used- the Company never acted in my best interests. \nPlease note that I came through unethical and sophisticated selling techniques and was pushed to invest the funds in a fake trading platform. My mental and financial well-being have been maliciously affected. The funds were transferred to a wallet being sure I was dealing with a legal entity. As I found out later, the company I dealt with appeared to be fake. \nThe Scam Company Violations : I requested to file a dispute regarding the merchant and asked CashApp to assist me in recalling the funds back to my card for the following reasons : 1. The Company performed misrepresentation - pretending to be regulated ( fictitious agents names and locations ).\n\n2. The Company prohibited my ability to withdraw my funds.\n\n3. The Company was guaranteeing returns/yields ( unrealistic ones ).\n\n4. The Company furnished me with bonuses- which are not allowed to be given.\n\n5. My money was not held in a segregated account.\n\n6. The Company did not advertise/disclose/was not transparent enough regarding the statistical data representing the percentage of total client losses at the company.\n\n7. The Company did not mention the commission and overnight swaps.\n\n8. The Company did not read the risk disclosure prior to my deposit ( s ). \nCashApp`s Negligence : 1 ) CashApp has not fulfilled the Complaints handling Policy and showed a lack of accuracy while handling my dispute. \nPlease note that it was in XXXX, when I reached the Bank with my chargeback letter, notifying it about the fraud itself and requesting to investigate my case and recall/reverse the transactions or provide me with the reimbursement helping to mitigate the losses I have carried ( as you know, preparing and collecting documents & evidence is a time-consuming process ). These countless attempts of seeking justice, clarifying all the transactions in question, resulted in the denial of my request I doubt how attentively CashApp comes to clients` complaints/disputes if it allows itself to disregard the clients in such a sophisticated manner. \n2 ) The Bank has neglected its obligation to monitor the client`s transactions As a financial institution dealing with the Office of the Superintendent of Financial Institutions regulation, CashApp is obligated to follow XXXX  Regulations as a member of this organization. I hope the CashApp understood the risks that might occur while making transactions with such entities, as it seems to me that they neglected XXXX risk indicators ( that are recognized as the global anti-money laundering ( AML  ) and counter-terrorist financing ( CTF ) ) : The corporate structure of a trading entity appears unusually complex and illogical, such as the involvement of shell companies registered in high-risk jurisdictions. A trading entity is registered or has offices in a jurisdiction with weak AML/CFT compliance ; A trading entity, or its owners or senior managers, appear in negative news, e. g. past money laundering schemes, fraud, tax evasion, other criminal activities, or ongoing or past investigations or convictions ; A trading entitys lack of an online presence suggests business activity inconsistent with the stated line of business, e. g. the website of a trading entity contains mainly boilerplate material taken from other websites, or the website indicates a lack of knowledge regarding the particular product or industry in which the entity is trading ; A trading entity engages in complex trade deals involving numerous third-party intermediaries in incongruent lines of business. \nTherefore, I would like to inquire why CashApp transferred money to an entity, which does NOT hold any license, knowing that it could be risky. I was never informed about this fact by the Bank`s employees, which gives me reasons to consider that there is a lack of information provided from the Banks side. If the Bank provided me with this information, clearly and simply explaining all the risks, I would follow the Bank`s advice - and here I do consider we speak again about the lack of informing the clients by the professional, trained bank`s staff.\n\nAdditionally, I do suppose that CashApp has breached its Terms and Conditions as it informs its clients about warnings to prevent suspicious transactions. However, I have never received any kind of alert/warning from the bank`s side, nor was I ever told about the risks that might occureven though the transactions ( as it could be seen from my bank statements ) were international oneswhich indicates the high possibility of money laundering to take place. \nPlease note that I was never even asked about the purpose of transferring the funds. Thus, I do consider that the Bank failed to conduct ( enhanced ) customer due diligence and monitoring of transactions. I would like to emphasize that I have not received any notifications/emails/calls from the Bank`s employees. I informed the bank about the fraud I had fallen victim to ; therefore, I have certain questions about how CashApp was ensuring the security of my transactions. \nThe only thing I received was instructions on how to protect myself in the future, which is bigger ; however, in my perception, it has nothing to do with the security of clients` funds. I do believe that none of the financial institutions would ever transfer money to any terroristic organization ( or any person affiliated with it ) even if those transactions would be validated by the bank. \nRecall reason descriptions : The following are the reasons for the allegations against the companies : 1 ) Goods or Services Were Either Not as Described or Defective : Please pay attention to the fact that the companies misrepresented their services and offers and appeared to be scams. The only things I received from the Company were fake promises and lies. \n2 ) Questionable Merchant Activity : You have to know that the merchant engages in deceptive practices, such as misleading advertising and false promises, leading to disputes regarding the legitimacy of the transactions. The merchant has to be checked if it operates in an industry known for a high incidence of fraud or chargebacks, or if it has a history of complaints or negative reviews related to their business practices.The Company failed to fulfill its obligations simply by stealing my funds. \n3 ) Suspected Fraudulent Activity : Upon further investigation and due diligence, I have reason to believe that the recipient entity may be engaged in fraudulent activities. This suspicion is based on discrepancies in communication, irregularities in transaction procedures, and concerns raised by other affected parties. \nXXXX ) XXXX and XXXX XXXX : The recipient entity 's activities XXXX have potential legal and regulatory implications, including, but not limited to, violations of anti-money laundering ( AML ) and counter-terrorism financing ( CTF ) laws. By recalling the transfer, we aim to mitigate any associated risks and ensure compliance with relevant laws and regulations. \nXXXX ) XXXX XXXX of Transactions : As the global financial regulations state, the account holder did not authorize or participate in a transaction conducted in a XXXX Not XXXX environment. Alternatively, a fraudulent transaction was completed in a XXXX Not XXXX environment using an account number for which no valid card was issued or is outstanding, and no authorization was obtained. The companies operate like they are unregulated, siphoning money away from unsuspecting victims using trickery, false promises, and bullying to what looks like an affiliate with scammers. \nDesired Outcome : I request the Consumer Financial Protection Bureau to address my dispute and resolve this matter immediately and urgently. \nI demand CashApp reimburse me for the amount of XXXX USD, as I have fully been released of liability. I consider CashApp as the responsible party for losing my funds in case it complies with AML/CTF prescriptions . \nI request CashApp maintain a high quality of customer care and service and act to improve the support chat and team as well as deal with the relevant individuals who did not perform their jobs appropriately. \nIm requesting the Consumer Financial Protection Bureau to assist me because CashApp is not willing to resolve my complaint. \nPlease find all the attached letters sent to/received from CashApp, along with the supporting documents and correspondence. \nThank you for your assistance in advance. \nRespectfully, XXXX XXXX","date_sent_to_company":"2024-08-21T16:02:31.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"596XX","tags":null,"has_narrative":true,"complaint_id":"9877640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-08-21T15:51:27.000Z","state":"MT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Please note that it was in XXXX, when I reached the Bank with my chargeback letter, notifying it about the fraud itself and requesting to <em>investigate</em> my case and recall/reverse the transactions or provide me with the reimbursement helping to mitigate the losses I have carried ( as you know, preparing and collecting <em>documents</em> & evidence is a time-consuming process )."]},"sort":[7.3203473,"9877640"]},{"_index":"complaint-public-v1","_id":"3740201","_score":6.957938,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was the victim of credit card fraud from an ex girlfriend who used my cards for her own personal gain using 3 separate credit cards from XX/XX/XXXX to XX/XX/XXXX without my permission and without my knowledge. One of these cards is through XXXX XXXX XXXX. I have cleared the fraudulent charges on my other two cards by submitting a fraud report to those companies, but XXXX has refused to do a fair and impartial investigation to clear the debt from my name even with the substantial evidence which has been presented to them. I am submitting this complaint due to violations committed by XXXX XXXX XXXX under the Fair Debt Collection Practices Act and Fair Credit Billing Act. The final complaint submitted to XXXX XXXX XXXX was received with the following statement made by them in writing which outlines their lack of investigations. \" We previously responded to your concerns in our enclosed letter dated XX/XX/XXXX, in which we enclosed a copy of the Card member Agreement that says on page 1 that you, as the Primary Card member, are responsible for all charges made including anyone you permit to use your account. '' They then proceed to state \" Although we understand your claim that your ex-girlfriend used the credit card without your permission, you acknowledge that you made and agreement with her to repay you for the purchases and acknowledge that you allowed her to handle your finances. We consider this to be a civil matter, not fraud, and best handled outside of the credit card industry. Our decision remains unchanged '' This letter was received by myself on XX/XX/XXXX and is entirely inaccurate on the information submitted to XXXX XXXX XXXX on the fraud report and continues to be perpetuated by false information reported to the credit bureaus as well. When I submitted the report of the fraudulent activity, I never stated I asked the ex-girlfriend to repay ME for these fraudulent charges, I offered her the ultimatum to repay the fraudulent charges to XXXX and clear the credit card of all debt or to face criminal prosecution. She then made a few payments on the card, but then recanted her promise to pay and was ultimately charge with two felony charges by the XXXX, NC Police Department. XXXX also inaccurately states that I claimed this ex-girlfriend handled my finances. At no time has she ever handled my fiances and this information is completely inaccurate. However, even if this information WAS accurate, there is no place under the law that would excuse felony credit card fraud and identity theft and make this matter a civil matter. XXXX has not once called me after repeated requests and complaints over this matter to actually conduct an accurate and thorough interview. After this last \" investigation '' I received a call stating an investigator name XXXX would contact me in the coming days as she works on the investigation. I never received that call, in fact there was no information provided by me at all in this investigation other than information they claim I provided and used that is full of inaccuracies entered from their initial investigation two years ago. Instead, I received a letter stating \" Our decision remains unchanged '' and then cites inaccuracies that persist from the initial investigation 2 years ago that I have continued to point out are incorrect. I have had nothing to do with this re-investigation and they appear to simply be reading someone else 's notes and then copying what they had to say which includes falsehoods such as \" He allowed her to use his card '' or \" You allowed her to handle your finances '' when in reality they are misapplying statements that were made about unrelated items. I have never had the chance to have a fair and ACCURATE investigation as it is glaringly obvious XXXX does not want to conduct a real investigation because they know the fraud I experienced must be deleted from my account and clear my credit of this charge card. XXXX states the following inaccuracies on their investigations but has never validated or even contacted me to verify any of the information which they seem to use to make their determination. 1. I allowed the ex-gf to use the cards. -I made it abundantly clear to XXXX XXXX XXXX I never authorized nor knew about the fraudulent charges. Once I discovered the illegal charges, I gave the person who was still a current girlfriend at the time the ultimatum to repay the money for the theft ( to the credit card companies ) or I would file criminal charges. The reason I did not immediately file criminal charges is to avoid her becoming a convicted felon. She was at the end of two years of college classes to become an XXXX   and was almost ready to graduate and she was also a XXXX  mother. As stated earlier, we were still romantically involved and I did not want to ruin years of schooling for her XXXX. Instead, trying to be fair, I offered her the chance to make things right with the credit card companies or turn her over to the police, but ultimately that would be her decision. The woman in question did make payments to the cards for a short period of time then stopped entirely and directly refused to pay off her fraudulent charges. By the time I filed criminal charges I had ended the relationship, removed her from my home, and reported the fraud she had committed to the credit card companies. I attempted to make the credit card companies whole by first giving her ( the ex-gf ) the opportunity to repay the money and avoid prosecution. It seemed like the \" nice-guy '' option as everyone would win in this scenario. She would avoid any charges and could continue on her career as a XXXX  and set a good example to her children ( she was also a XXXX   mother ), the credit card companies would be repaid in full PLUS interest on her fraudulent charges, and I would not have to deal with this nightmare of fighting to clear my name of charges I did not authorize or know about. XXXX now contends that makes this a \" civil '' matter. I directly dispute that allegation as I have consulted with my local police department who agree, this is a criminal matter and on XX/XX/XXXX filied one charge of Financial Transaction Card Fraud. An additional charge of Felony Identity Theft was added by Investigator XXXX on XX/XX/XXXX. As explained to me by Investigator you can not make a felony into a civil matter, and allowing her to repay the money to XXXX  is actually called \" continuation of a felony ''. The investigator stated it would not be something you would likely understand and obviously you were trying to do what is right, but XXXX XXXX XXXX absolutely should know that a felony can not be absolved by paying restitution it simply \" continues '' even if the debt was cleared, however that was not the case here as the ex-gf failed to pay the money as promised. 2. XXXX alleges I allowed my ex-gf to \" handle my finances ''. Once again, this information is completely false and results in massive assumptions compiled by information that had to be twisted by the initial investigator. The information provided to the initial investigator that could only be where the investigator drew this conclusions was when I stated the now ex paid \" all the bills of the house '' meaning she had the lights, cable, rent etc in her name. I was NOT on the lease, I was not joint on any account with her of any kind. I simply paid her half of these items in cash to pay these house hold items. I lived with her, but the lease of that rental was in her name. To be fair, I paid my fair share of items that were used, but at no point did she handle my finances. I had my own bank account which she was not on, I paid all my own items such as cell phone, insurance, car payment, student loans etc myself. They came from my bank account which was again in my name. The only reason the household bills were ever mentioned to the initial investigator was because after reviewing the fraudulent charges, I noticed she was paying 100 % of these \" household bills '' with the stolen funds from my credit card AND collecting half of the bills from me personally in cash as well. So she was avoiding paying any of the bills since she was adding them to the cards, then still taking cash from me as if she was adding it to her money and sending out checks to pay those bills. I even discovered at least two forged credit card checks she used to pay the rent to the land lord, but once again also got half of the rent from me in cash. As a result, she managed to not pay any of the bills in her name for several months, collect money from me, and later also used the stolen card information to pay HER personal bills such as car insurance, cell phone bill, buy items online for her children, pay her child 's cell phone bill, put gas in har car, etc. That was all discovered shortly after I purchased my home and was confronted with the massive amount of credit card debt by my mortgage broker who then explained my credit bureau was showing maxed out cards. However, the \" investigators '' from XXXX also got this information wrong and somehow turned this into the ex must have had access to all my finances etc. They have failed to do any semblance of an investigation and have simply rehashed old inaccurate information and placed notes on the account never actually doing anything. As a result, I am filing this complaint with copies of the police report as well as the statutes of both State and Federal laws  which prove without a double that what XXXX alleges is civil is entirely criminal. There is no reason for this account to still be appearing on my credit bureau when the information they have been provided proves this account is the result of Credit Card Fraud! For  XXXX XXXX XXXX to continue to report this as a charge off and reporting this information as accurate is a concerted effort to intentionally inflict damages upon me for refusing to pay on this account due to the fact it is fraud. The following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. ( a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 ) Obtains money, goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of five hundred dollars ( {$500.00} ), or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or ( 3 ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed five hundred dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds five hundred dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both. It is obviously clear that there is no defense alleged by XXXX in any previous statement that would make this matter civil in any way. Both State and Federal laws make it very clear I was the vitim of fraud, as well as the local police department who have filed two felony charges against her. So, how can XXXX possibly make the claim to find this matter civil? The last time I checked the Prosecutors and Police officers who do this for a living decide what is a crime based on these very statutes, especially since they saw fit to file charges for the actions of this now ex-girlfriend. So what then could possibly motivate XXXX to continually file false information that my account information is \" accurate '' when the LAW says it is not just criminal, but FELONY charges that were committed. My rights under the Fair Debt Collection Act have been violation due to intentional and deceptive collection practices, unfair reporting of false information, and illegally reporting inaccurate information to creditors damaging my credit score resulting in higher interest rates on my home, car insurance, as well as knowingly keeping that false information on my credit bureau. They have also violated my rights under the Fair Credit Billing Act knowingly failing to investigate my claim of fraud and simply passing of their \" investigation '' as completed. This is obvious with prima facia evidence that they continue to claim the fraudulent charges are civil when their are a half dozen statutes listed that contradict their own statements. They are not qualified to make legal decisions on what is or is not fraud when the law has already clearly defined the actions that occurred in my case fall directly in the definition of credit card fraud. Cards were used without my knowledge, items were purchased over the internet falling under federal statutes, signatures on receipts were signed under my name which were then forgeries, credit card checks were cashed using my name to pay rent also adding to the fraud under Forgery of Financial Transaction and Receipt and Concealment of Goods Obtained by Use of Card. There is Statute after Statute that directly covers EVERYTHING that  happened to me as a victim of fraud, but XXXX XXXX XXXX wants to fake an investigation and call it civil. To continue this narrative is not just unjust, but it is borderline criminal on their part knowing that the lasting effects of their information is directly harming me financially. That is likely their motive for continuing to respond in the manner that they are an I surely hope an investigation is conducted by CFPB and additional fines and punitive damages are levied against them for their deceptive and illegal business practices.","date_sent_to_company":"2020-07-10T12:26:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3740201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-10T12:26:40.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX has not once called me after repeated requests and complaints over this matter to <em>actually</em> conduct an accurate and thorough interview. After this last \" <em>investigation</em> '' I received a call stating an <em>investigator</em> name XXXX would contact me in the coming days as she works on the <em>investigation</em>."]},"sort":[6.957938,"3740201"]},{"_index":"complaint-public-v1","_id":"3512978","_score":6.249876,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX, I bought a home in XX/XX/XXXX from XXXX XXXX, unknown to me it was an unclean note to the house and shortly after who we purchased the home from went to prison for Mortgage Fraud with a 21 year prison sentence. \n\nHis name was XXXX XXXX and he was involved in multiple mortgage embezzlement schemes for which he took the fall for many accomplices with more guilt than himself. Our home was then transferred to XXXX who then transferred the note to XXXX XXXX  and XXXX XXXX in Michigan with a note on the allonge for the transfer not to go over towards National City Bank of Ohio who wanted the transfer in XXXX. \n\nSomehow, it is alleged that National City Bank still got the transfer despite our notes to the contrary and eventually the allegedly merged into PNC Bank, N.A. The problem is the wet note nor title to our home never transferred to the National City so how could it get to PNC? They claimed in their Verified Complaint for Foreclosure that M.E.R.S. ( Mortgage Electronic Registration System ) had transferred them the title which is unlawful as they are only to record titles not transfer them as their lawyer XXXX XXXX of XXXX XXXX, CA had stated. \nThey out of nowhere were trying to take advantage of Hawai'i 's very corrupt Bureau of Conveyance filing  system where anyone can make a deed for any piece of land and cloud the title as these guys did. Unfortunately for them we have proof of the allonge going to XXXX in XXXX an affiliate of XXXX who was tied to the crook XXXX XXXX and XXXX XXXX also recorded in the Bureau of Conveyances in XXXX, HI which has Land Court recording and Regular System recording of land deeds. \n\nSo, even though PNC made a frivolous filing as many do in this system that goes unchecked, XXXX still thwarted them. In the year XXXX, they showed a not of transfering and signing off all ownership to our home in XXXX, HI which they never have proved they had a right to, to begin with. \n\nWhen National City began billing us at one point even though we saw no clear change over to them, in time, it was confusing all the change of hands taking place on a title that was not solid due to all the illegalities. They had raised our mortgage costs to double and then PNC their affiliate was offering the loan mortage modification scam they are famous for getting sued over. \n\nIn fact, I was foolish enough to pay them once {$3000.00} a month they were asking to see if I qualified for the loan modification and I wound up winning the class action lawsuit settled against them for committing a fraud in XXXX. I had told them to cease and desist and did not recognize them as the loan service because there is no allonge from XXXX to them ever made. \n\nDespite the XXXX letter stating that PNC turned the loan over to XXXX XXXX in XXXX, and being told to cease and desist harassing the home owner since they were not the company, XXXX was the proper company to pay at the time. They most certainly were crooks and continued to be crooks. \n\nXXXX XXXX of their XXXX XXXX branch issued a foreclosure that I was finally served with by summer of XXXX. As the matter dragged on for a pending court conference I was being deprived of all due process rights despite being timely in responding to my service by publication. \n\nFinally, a prehearing conference was set for XXXX of XXXX and I had my son go and get a lawyer for me who was advised to us by some folks in the golfing and solar panel industry as well as realty fields that we will not name here. This alleged lawyer worked for XXXX XXXX  XXXX, XXXX and had been an accountant before, and was actually a paralegal pretending to be a lawyer. \n\nHis name was XXXX XXXX. he claimed to be having negotiations on pay-offs to the crooks PNC with their lawyer XXXX XXXX of XXXX and XXXX XXXX and that he would show up to the pre-trial conference on behalf of me and my family. Instead on the day of pre-conference he says he can not show up, but he would slip a Continuance Motion in.\n\nHe did neither such thing. I still called in and could not reach the Judge on time and the Judge put in a Summary Judgment against me, which was not right due to the fact our lawyer lied and we found out was actually a paralegal and kept trying to get us to short sale before the incident and even after when the Court was set on Foreclosing on us. \n\nWe put in the Motions for Reconsideration with help from my son, that only got us to XXXX where Judge XXXX the biggest crook there is, went and shut us down and refused to see evidence of XXXX 's wrongdoing in the case and how Mr. XXXX intentionally sabotaged us and our case for our house against these crooks, PNC Bank. When PNC Bank, came forward they said that they acquired our Mortgage Note from MERS who transferred the title to them. \n\nSuch an argument and claim is false because MERS is only to record titles not transfer them to PNC. They had MERS record it after they illegally jumped it into the Bureau of Conveyances, knowingly clouding the home mortgage title and trying to rip off the homeowner, myself. \n\nWhen XXXX started putting the home into auction level at XXXX of XXXX he assigned a commissioner from the same law firm, XXXX XXXX XXXX where we hired the saboteur for the case and paralegal, XXXX XXXX. This was a Conflict of Interest that Judge XXXX failed to place on the record despite removing Mrs. XXXX XXXX of XXXX XXXX XXXX as commissioner. \n\nWhen he put a new commissioner it was still a Conflict of Interest and wound up being my children 's and ex 's cousin XXXX XXXX XXXX who we proved was still tied to XXXX XXXX XXXX, XXXX and also XXXX XXXX that worked as his law partner and was a fellow member of the same religious church community that had done off the record work for Mr. XXXX 's former co-worker and church member, XXXX XXXX, who had been kicked off another small vacant property our family owned in XXXX side by the same Judge about 20 years ago. \n\nShe still came forward and tried doing things on that land such as taking advantage of war veterans illegally as she is not a licensed social worker and housing them outside on other people 's property in the rain to profit from her 501 ( c ) 3. \n\nNot to lose focus all these people were in cahoots and the Judge again refused to see a conflict of interest in my children 's familial cousin XXXX being the commissioner as well as his ties to another case I was in, and as well as the party conflict since he was tied to XXXX XXXX XXXX who I hired once again the fake lawyer from their firm who set up our case going into the default and kept trying to convince us into short selling with his friends before and after the sabotage that XXXX XXXX refused to fix. \n\nNow, we tried appealing in the Intermediate Court of Appeals, but fumbled the ball of the deadline and bought about 6 months more time. The auction details kept stretching out and eventually we filed a federal complaint for all these fraud events happening in the United States District Court of Hawai'i in the spring of XXXX. \n\nIn the process we discovered that XXXX had been using unusual circumstances and rulings to put the homes he desired from XXXX area auctions in the pockets of his buddies by the pre-auction games many have done around here for awhile. Ex-CIA agent XXXX XXXX XXXX did this write up on XXXX XXXX all should see and it involves almost all the XXXX churches here on XXXX. \n\nHe is in the XXXX XXXX XXXX XXXX XXXX as were other clerks in his court whiting out documents, deleting or making documents disappear, backdating files, and we even have proof of forgery. Now we get to the good part of this story because these crooks working with PNC locally for their own benefits can not control themselves. Check this out. XXXX XXXX XXXX I have witness my Motions denied with no judge present several times. At the last hearing in XXXX of XXXX Judge XXXX allowed a lot of unknown lawyers to guest appear in the case such as XXXX XXXX I had retained before ( another Conflict of Interest ), and XXXX XXXX XXXX who either himself forged the auction Order proposal of the Commissioner, XXXX XXXX XXXX ( cousin of my children and ex ) or had someone else forge the documents with the clerks in the Court that attend the same church as Judge XXXX. We have witnessed and people documenting and photographing everything that goes on giving affidavit and witness testimony as this case is in three ( 3 ) courts at once in Hawai'i. \n\nIt is still in the XXXX Circuit, XXXX where it started as well as the Intermediate Court of Appeals in  XXXX, and United States District Court Case of Hawai'i. There is proof that the Supreme Court Justice Judge,  XXXX XXXX is tied to XXXX 's house home benefits and assets when home owners get their houses stolen with the help of the court officials and lawyers getting kickbacks from the bank. \n\nMr. XXXX never sent any reply to our Proposed Order on the Auction because he died upon XX/XX/XXXX. This is when XXXX XXXX finished up the paperwork in XXXX with XXXX 's forged signature and they backdated the document to XX/XX/XXXX ( 6 days before his death ) and slipped it in the physical volume II of our case XXXX ( XXXX ) despite all case work being filed electronically in XXXX of XXXX thereafter. \n\nMy son, on XX/XX/XXXX first witnessed the secretly backdated and forged document and brought attention to fraud in the court house and took documented pictures. The clerk there to cover their tracks loaded the backdated-document in electronically, but did a maliciously wrongful thing, by allowing the date to be as XX/XX/XXXX when it was uploaded in XXXX. \n\nMore acts of fraud were committed when PNC Bank 's firm XXXX XXXX  XXXX handling the case for them in XXXX had their lawyer XXXX XXXX produce a never before seen, cut and pasted document of a never existing allonge from XXXX directly to PNC. We called it out as fraud right away and the judges would not allow the dismissal to go forward on their behalf as they saw it as a ploy. Further, before any foreclosure or auction order was given by dirty handed XXXX, his associates in the XXXX XXXX, XXXX XXXX also tied to his cousin and my children 's cousin was marketing our home that it is not even easily flippable at it's $ XXXX dollar low value at {$690.00}, XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It would take them a XXXX dollars to make it worth that much. Land itself is destroyed and poisoned, There are rat problems caused by old pineapple fields, leaks in the roofing everywhere, busted pipes, one working toilet with a very badly messed up septic tank system, electrical problems and fire hazards, that we maintain to survive. It is not quite condemnable, but nobody has a right to try and sell your home before you get an order against it from the court which XXXX was glad to help PNC with for his own unjust enrichments with his company of lawyer friends and family, Right after they started trying to rush the auction the lower court and still are trying to do so despite all this fraud. XXXX himself even showed up and tried to intimidate my son in public possibly or check out my son who was documenting these things for me. \n\nThere have been people that work for and around XXXX begging to come work at home for us and look into our personal files? Get out of here! And then they sent Department of Health and XXXX XXXX to try and get a report for condemning our house to the State so that they could kick us out before due process is finished with PNC in the United States District Case- complaint for all these acts of Civil R.I.C.O. , fraud,  aiding, albeiting, collusion, and much more. \n\nThe lawyers at XXXX XXXX XXXX that represent PNC Bank, even had our Proof of Service by Process Server sabotaged for a time when they had their server XXXX XXXX tell us that it was not a conflict of interest for her to serve them as we paid her to do and then play games with us for weeks and acting like she did not see our letters or filings. \n\nWe have names of almost every clerk in XXXX 's clerk in on the fraud and collusion. XXXX XXXX is probably being framed since her stamp with a back rolled stamp to XXXX was done in XXXX. I do not believe she would have risked her name. I believe it is another clerk. \n\nAny in Court room 3 at XXXX XXXX XXXX which is former Judge XXXX 's chambers, but he still comes in and out of retirement to try and steal homes from elderly, children, and grandchildren here at my house for Unjust Enrichment as he did to the XXXX family. \n\nThere are ties to a XXXX XXXX, and notice of many secret and stolen land ownership deeds with Judge XXXX 's signature stolen from local Hawaiians here and his newly groomed Judge XXXX XXXX according to investigators in the XXXX case I provided the link for. \n\nWe should not have our home taken from us nor should we file a bankruptcy with a crooked bank that never had the wet note or any formal switch given to them by a valid allonge or anything of the sort. These matters and much of the evidence is in court along with affidavits and soon to be called witness testimonies.\n\nOne of the last events because I can not fit them all here involves 6 sets of affidavits being stolen out of the U.S.D.C. court where we are currently at. That was important evidence and we feel the judge should most certainly given the TRO against the banks and all the crooks involved we know, but PNC 's accomplice, XXXX is tied with the XXXX XXXX XXXX XXXX has power with the Supreme COurt Justice of XXXX XXXX that gave him XXXX 's best Judge award ( total XXXX ), and some of the federal court Judges have also been appointed by Obama who still has ties and political connections here. \n\nObama and my down the road neighbor XXXX may wish to stay clear of these crooks. While Hawai'i has a homelessness issue, these people perpetuate it and hope to gain and flip houses off the backs of struggling and suffering Locals. We do not want a house for free. \n\nWe want a proper bank that is on the note and the proper mortgage, but we have been frauded from the beginning with Mr. XXXX XXXX who gave it to more crooks that wound up with PNC that works with Public Officials that do their own sabotaging of cases to gain on the auctions. \n\nThere's so much more I could say here and we have documented these awful crooks for years and been patient while XXXX threw everything out of court we requested. He even refused to recuse himself despite the fact that my last name is connected to his family even though this is my step husband 's surname and my children are directly related to his family of XXXX, XXXX, and XXXX. He perjured himself in court on video when he acted like he was not related to these names or overtalked me to avoid hearing the relation. \n\nI mentioned that on cdr video as well as my children 's relation to deceased XXXX which tied the judge and commissioner together as a huge conflict of interest besides their inner church ties. We have also asked that our case be dismissed, but the banks do not want this even though the entire thing has been a fraud and a sham. \n\nIf they do manage to auction us out we will still sue the living XXXX out of them and XXXX as they had no right to foreclose at all to begin with. Now, that we are in federal court and we see hands exchanging and clerks in the XXXX XXXX slipping in illegal and forged documents into files with backdates which is illegal too, we know what we are up against. \n\nThey do all they can to thwart us, but our handwriting expert is a former FBI agent in the mainland of California. We suggest they get ready for exposure as we have been detailing the news connections and everyone else about this. Also, there are Hawaiians that have a valid claim to the old patents on this home and land which validates their true ownership and they never signed a thing with the banks or construction company that illegally built here since the XXXX. \n\nPNC did all these crimes of fraud and Civil R.I.C.O. combined with filings of false deeds and dirty clouding of title, use of public officials in collusion, forgery, and more. It is time the lawyers for PNC Bank, including XXXX XXXX XXXX XXXX XXXX, XXXX, and all their connections for XXXX XXXX XXXX, specifically XXXX XXXX XXXX, that put together a fake allonge get fried and we see justice at last. \n\nWe look forward to the trial date even if me, my children, and grandchildren are homeless by then. We will sue the XXXX out of them! Also, XXXX XXXX jumped in out of nowhere to represent deceased commissioner XXXX XXXX XXXX the commissioner who himself was a lawyer and never needed XXXX before, more reason that we know forgery was committed or hired by Mr. XXXX a former XXXX XXXX   XXXX, XXXX lawyer now working for XXXX XXXX XXXX of XXXX. \n\nHe never entered or put notice of entrance of counsel nor was their any notice of counsel leaving the case before he jumped in. Highly suspicious and all are said to represent PNC, Bank N.A. I am very old and all of this can affect my health as it has. Intermediate Court of Appeals case brought forward for the new Auction Orders was done on XX/XX/XXXX as XXXX and can be viewed on JEFS if you are registered for {$250.00} every 6 months. \n\nThe United States District of Hawai'i case also pending is XXXX XXXX and charges on Pacer.gov by the document you look at once you set up an account. In the XXXX Circuit Court of XXXX you can also go there physically to look at it or pull it up free of charge or on JEFS system uned CV ) Foreclosure ) XXXX ( XXXX ) or online version of the case is written as XXXX, which costs money. \n\nThe Judge and company also backdated the XX/XX/XXXX Order because my son checked thoroughly all documents on XX/XX/XXXX upon filing paperwork for me and it was non-existent in the XXXX Circuit. We are writing books on these matters. \n\nCorruption is corruption and nobody should benefit or steal your family 's home using a bank such as PNC that had no claim from the get go. XXXX allowed it for his own advantage as did his affiliates working to sabotage our case all around. We just had to resend documents because important ones went missing or stolen from U.S.D.C. - T.R.O. is what is needed and a Stay of Foreclosure until the Fraud investigation is done. Let 's fry these crooks and keep fighting the good fight!!","date_sent_to_company":"2020-01-29T12:21:12.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"967XX","tags":"Older American","has_narrative":true,"complaint_id":"3512978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-01-29T11:57:12.000Z","state":"HI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We just had to resend <em>documents</em> because important ones went missing or stolen from U.S.D.C. - T.R.O. is what is needed and a Stay of Foreclosure until the Fraud <em>investigation</em> is done. Let 's fry these crooks and keep fighting the good fight!!"]},"sort":[6.249876,"3512978"]},{"_index":"complaint-public-v1","_id":"19264575","_score":5.903737,"_source":{"product":"Prepaid card","complaint_what_happened":"CFPB FORMAL COMPLAINT : CONSUMER STATEMENT DATE : XX/XX/XXXX RE : Order # XXXX | Transaction Date : XX/XX/XXXX | Amount : {$610.00} PARTIES INVOLVED : the consumer /victim, The merchant ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX cash app ) SUBJECT : Material Misrepresentation, Non-Conforming Goods, Latent Defect, Customs Fraud XXXX Tariff Evasion, Commercial Misrepresentation, Bait and Switch, Fraud in the Inducement, Circumvention of XXXX, Falsification of Documents, Wire Fraud, Breach of Express Warranty, Unjust Enrichment, Substantive Fraud, Unjust Unconscionability, Breach of the Implied Covenant of Good Faith and Fair Dealing, Failure of Consideration ( Services Not Rendered ), Facilitation of Fraud , Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), Bad Faith Adjudication, and False Advertisement I the victim/consumer am reaching out to the CFPB for help because I have been victimized by a sophisticated international fraud scheme, and my bank, XXXX XXXX ( Cash App ), is refusing to protect me. They are hiding behind an internal \" XXXX rule '' to deny my claim, but I am well within the XXXX window mandated by XXXX XXXX XXXX XXXX. This isn't just a \" bad purchase '' this involves Wire Fraud and Customs Fraud that the merchant has actually admitted to in writing. \n\n\nI filed a formal dispute for a full reversal of funds, On the grounds of : XXXX. \" Material Misrepresentation, '' \" Non-Conforming Goods, '' and \" Latent Defect The products were explicitly advertised and sold as \" 100 % Raw Vietnamese human hair. It appears as high quality until it is subjected to styling products, styling tools/Heat or moisture ( even if it is in the air ). The quality will fail and start to exhibit its true synthetic composition by melting, extreme tangling and matting until it eventually begins to shed/deteriorate completely overtime. It is common knowledge and common practice that most reputable Wig companies ( that manufacture 100 % human hair wigs ) have an explicit return policy, that once you work/style a unit ( even if you just wash it ), you void your right for a return. This is a clear case of \" consumer catch XXXX ''. In order to discover these defects, I had to work/use the hair. However, once used, XXXX system rejects return requests. These defects are \" latent '' you have to use the product to find the defect, the act of using it was then used by the merchant to void my protection. \n\nXXXX. XXXX XXXX, Tariff Evasion, Commercial Misrepresentation, Bait and Switch, Fraud in the Inducement, Circumvention of Safeguards, Falsification of Documents, Wire Fraud, Deceptive Trade Practices, Breach of Express Warranty, Mail Fraud, Unjust Enrichment The merchant ( XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) utilized a fraudulent \" Tax-Free '' dummy shipping address in XXXX on XXXX official XXXX order XXXX to bypass XXXX XXXXe ( I did not realize this at the time ) I was fully willing to pay any necessary taxes or shipping fees. \nThe Merchant was solely responsible for her own actions, using a tax free address, the mislabeling, and her tax inclusive courier service. \nWhen she told me that she had already shipped the items, she sent me a copy of the shipping document and in the contents section I saw it was labeled \" XXXX synthetic '', andeven though it was too late to mention anything ( because she had already shipped the package ) I asked her if she was sure that these units being sent were \" 100 % XXXX XXXX XXXX  '' and she replied ( lied ) to me : stating \" Yes friend, it is XXXX XXXX XXXX. \" I purchased the units on XX/XX/XXXX. When I finally recieved the package at my ftont door via XXXX XXXX on XX/XX/XXXX, I examined them quickly and they appeared to be actual hair though I noticed there were no labels on the bag or tags on the units stating their fiber content ( 100 % human hair ). On XX/XX/XXXX I had a social event to attend and I decided to finally use XXXX of the units ( XXXX inch loose deep wave {$390.00} ) that is when I discovered the defects. The XXXX began to exhibit extreme tangling and matting the moment it hit the water, it did not react in any way that is consistent with \" natural human hair ''. The reaction was a catastrophic, the strands began to tangle clump up and become matted ( As synthetic wigs do when exposed to moisture ). XX/XX/XXXX I took the wig unit to a professional hair dresser/wig enthusiast for a \" second opinion '' the hair technician, apologized to me because unfortunately \" \" the wig units are not 100 % human but infact made of a \" synthetic blend. '' \" when I first initiated a complaint to the merchant, on XX/XX/XXXX, she told me the factory had verified my order as \" 100 % human hair '', I then confronted her about the synthetic labeling on the shipping documents and she claimed the hair was human, and that the mislabeling is a kind of common practice between the merchant and the shipping company to avoid paying tariffs, involving me ( unknowingly ) in a federal crime. I believe she did this in an attempt to discredit me once I did discover the fraud, and tried to submit any claim. The fact is I paid for XXXX raw human hair wig units at {$600.00} ( the final total was {$610.00} ) and even offered to pay extra for a rush shipment The merchant told me If I purchased these XXXX, my shipping would be FREE. From there on, as far as I knew at the time, the shipping etc ..., was the duty of the merchant who is solely responsible for getting the products to me as far as I was concerned Her business practices, methods and ways of doing things were irrelevant to me, the way she stated these things to me I was under the impression as though she were providing me with legitimate customer service, I did not know her intentions were to commit federal crimes, defraud me, exploit me and this transaction to do so. As a new user to the XXXX platform with a lack of knowledge and experience concerning the processes and laws of importing and exporting goods, I believe I was targeted and taken full advantage of by this predatory seller who I had whole-heartedly trusted not to do something like this to me. \n\n\nXXXX. \" Violation of the FTC Textile Act '' I received these wig units in generic plastic packaging that only stated their length & texture but not their Fiber Composition ( It did not say on their individual bags if they were 100 % human or 100 % synthetic wig units ) The Textile Fiber Products Identification Act and FTC 16 CFR Part XXXX require that all hair products be labeled accurately regarding their fiber content ( XXXX XXXX XXXX XXXX XXXXXXXX mislabeled or unlabeled textile products is an illegal trade practice. A bank can not force me to pay for a transaction that was carried out through illegal means ( unlabeled bags/mislabeled contents ). \n\n\n\nXXXX. \" My attempt to return the items, the atrocious merchant and the unsatisfactory dispute resolution. '' When XXXX would not step in I was left XXXX deal with this merchant on my own, I was willing to return the items as well as pay to ship it back, as long as the merchant gave me their iron clad word that I would get back 100 % refund of what I paid for the XXXX units because they are not 100 % authentic. However, the merchants response was that the factory would only accept a return for the XXXX straight synthetic blended wig unit I did not use ( {$200.00} ), that it didn't even matter if I didn't send it back in its original packaging, as long as the wig unit was unused and could be resold ( passed off as a brand new fraudulent unit to another unsuspecting customer ). \nThis was not a satisfactory solution, it shouldn't matter if I had worked with it or not the defects were latent and they were not the 100 % raw vietnamese human hair wig units that I paid {$610.00} for. After discovering how strategic and sophisticatedly I had been defrauded and that I unknowingly been coerced into this merchants illegal activities, and that this entire transaction was illegal from the start, I Realized the true atrocious nature of this merchant, her deceptiveness and questionable business practices, not underestimating what she could be capable of, I no longer felt safe having any further correspondence with this individual \" XXXX XXXX '' or the hair factory in which she claimed to answer to. under XXXX XXXX XXXX, I am not required to return merchandise when the merchant has engaged in material misrepresentation and illegal business practices that make a return legally compromised or unsafe. \n\n\nXXXX. \" Deceptive Trade Practices ( Bait-and-Switch ), Substantive Unconscionability, Breach of the Implied Covenant of Good Faith and Fair Dealing, Failure of Consideration ( Services Not Rendered ), Facilitation of Fraud Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), Bad Faith Adjudication, False Advertising '' The platform XXXX, That facilitated this transaction engaged in Deceptive Trade Practices by advertising a contractual guarantee ( Trade Assurance ) that they fundamentally failed to honor, despite clear evidence of merchant fraud. This constitutes XXXX XXXX and a XXXX of XXXX XXXX. XXXX marketing materials and XXXX XXXX ' advertisements promised XXXX % XXXX XXXX ' and a XXXX XXXX ' if the product did not match the description. I relied on these promises of transparency and legitimacy when choosing to shop here and purchase from XXXX of their 'Verified Suppliers. ' It boasts claims that no other e-commerce platform does, providing millions of customers with nothing more than a false sense of security, a sense of security that led me to confidently shop and purchase there as a new customer. I reached out to XXXX XXXX constantly. Despite XXXX XXXX XXXXXXXX XXXX of their own dispute rules ( concerning fraud ), XXXX would not waive, override or extend any of its policies or return windows. I was repeatedly denied on the grounds that I was past the XX/XX/XXXX day window. I chatted with customer support on the platform as well as through E-mail, I submitted screen shots of the conversation between the merchant and I, I submitted dispute letter after dispute letter explaining the fraud and warning them that if a satisfactory resolution was not met, that I would report the incident to the FTC. On my final attempt, trying to explain this matter to a different representative ( with hope that I would get a better or atleast different outcome ) after I provided all evidence of the merchant 's fraud and confession, the XXXX support agent closed the chat session with me without explanation. This total disregard is why I have filed with the Federal Trade Commission ( FTC ) both against the merchant for XXXX fraud and the XXXX e-commerce platform for facilitating fraudulent transactions, and not keeping to what the platform boast in their advertisements, so as a last resort I filed for a chargeback with my financial institution ( XXXXXXXX XXXX ) as a last attempt to seek justice. \n\n\nDENIED PASSED THE XXXX DAY WINDOW I never knew I could ask my bank for a chargeback until I realized I was a victim of a crime and began to do my research. I am a hard-working person who was targeted by a sophisticated scam. My bank ( XXXXXXXX XXXX ) wont help me so now I am seeking justice from the CFPB. XXXXXXXX XXXX denied my claim because of a \" XXXX '' internal rule. However, because this is a XXXX XXXX XXXX, they are required to follow XXXX XXXX XXXX. This rule gives me XXXX days to dispute items that are \" Not as Described. '' I am well within that XXXX window.Given the recent FDIC Consent Orders against XXXXXXXX XXXX regarding their failure to monitor XXXXparty risk and their history of deficient fraud investigations, their refusal to honor the XXXX XXXX dispute window in this case is a continuation of documented regulatory negligence. \nXXXXXXXX XXXX is currently operating under FDIC Consent Order ( FDIC-23-0104b ) due to deficiencies in their oversight of third-party programs and consumer compliance. By refusing to honor the Visa XXXX dispute window for a documented case of Wire Fraud and Dummy Address manipulation, the Bank is continuing the exact patterns of regulatory negligence identified by the FDIC. Their internal XXXX policy does not supersede Federal consumer protections or XXXX XXXX XXXX XXXX \nXXXXXXXX XXXX is facilitating this fraud activity through regulatory negligence and a failure to exercise due diligence. Essentially, by strictly following an internal \" XXXX '' calendar rather than investigating the actual facts, they are acting as a \" clearinghouse '' for a criminal scheme. \n\n\n\n\n\n\n\n\n\n\nHere is exactly how they are facilitating it : XXXX. Violation of the \" XXXX XXXX Rules '' When XXXXXXXX XXXX issued me that Visa Debit card, they signed a contract with Visa. Under XXXX XXXX XXXX, they are required to protect me for XXXX days in cases of \" XXXX Not as Described. '' The Facilitation : By ignoring the XXXX rule and using a shorter XXXX window, they are effectively protecting the merchants stolen money instead of your consumer rights. \n\n\n\n\nXXXX. Ignoring \" XXXX XXXX '' ( XXXX XXXX ) In a proper fraud investigation, a bank is supposed to look at the shipping data. \nThe Facilitation : The records show the merchant shipped to a Tax-Free address in XXXX while XXXX am in XXXX  This is a massive red flag for \" XXXX XXXX. '' By refusing to look at this discrepancy, the bank is allowing the merchant to use their financial system to complete a Wire Fraud scheme. \n\n\n\n\n\nXXXX. Assisting in \" Customs Fraud '' The merchant admitted in writing that she mislabeled the goods to evade U.S. taxes. \nThe Facilitation : Once I notified the bank of this admission, they became \" on notice '' of a crime. By refusing to reverse the charge, they are helping the merchant successfully collect the proceeds of a Federal Customs Violation. Under Anti-Money Laundering ( XXXX  ) laws, banks are supposed to stop transactions that involve illegal activity. \n\n\n\n\n\n\n\nXXXX. Failure to Recognize \" Latent Defects '' Banking law ( and the UCC ) recognizes that some frauds are hidden.\n\nThe Facilitation : The bank is acting as if I should have known the hair was fake the day it arrived. By not acknowledging that the defect was latent ( hidden until water was applied ), they are holding me to an impossible standard of inspection, which favors the scammer. \n\n\n\n\n\nXXXX. Lack of Oversight ( The FDIC Connection ) As mentioned earlier, the FDIC Consent Order ( XXXX ) specifically called out XXXXXXXX XXXX for not properly monitoring its partners like Cash App. \nThe Facilitation : They have outsourced their \" customer service '' to Cash App 's automated bots and low-level agents who aren't trained in complex fraud. This \" laziness '' in their business model creates a safe haven for international scammers to operate without fear of a chargeback. \n\n\n\n\n\n\nI am a victim of sophisticated international merchant fraud. I performed extensive due diligence to substantiate these criminal allegations before filing. XXXXXXXX XXXX XXXX refusal to exercise my XXXX XXXX rights allows a predatory merchant to retain funds obtained through illegal trade practices. I humbly ask that the CFPB compel XXXX XXXX to reopen this investigation and process a full reversal of the {$610.00}. the banks failure to act constitutes a secondary injury to me ( the consumer/victim ) As a frequent user of various e-commerce platforms, I have never encountered a situation of this magnitude. Of all things that could go wrong, you never expect a problem like this. I never knew a simple process could become so complicated by just XXXX persons selfish motives. Initially, I was hesitant to come forward, assumingbased on past experiencesthat I would simply have to absorb the financial loss. However, given the significant cost of these items and the profound sense of injustice I felt by this merchant and a platform that underhandedly gained my trust, I refused to remain silent. my delay is due to the facts that these defects were latent and Because of my serious allegations of fraud, I felt a professional and ethical obligation to ensure my case was 100 % substantiated before filing. This period of due diligence was necessary to confirm that the products received were not merely \" low quality, '' but a legally non-conforming items that violates federal standards. Despite the time it took to I gather the technical evidence necessary to prove that I am a victim of a sophisticated fraudulent transaction I made sure i was still within XXXX  day visa window. \n\nSincerely, XXXX","date_sent_to_company":"2026-02-10T12:32:14.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"96792","tags":null,"has_narrative":true,"complaint_id":"19264575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-02-05T05:55:41.000Z","state":"HI","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["This rule gives me XXXX days to dispute items that are \" Not as Described. '' I am well within that XXXX window.Given the recent FDIC Consent Orders against XXXXXXXX XXXX regarding their failure to monitor XXXXparty risk and their history of deficient fraud <em>investigations</em>, their refusal to honor the XXXX XXXX dispute window in this case is a continuation of <em>documented</em> regulatory negligence."]},"sort":[5.903737,"19264575"]},{"_index":"complaint-public-v1","_id":"12274642","_score":5.792927,"_source":{"product":"Credit card","complaint_what_happened":"Note that CitiBank is currently investigating, they said that I should know more by the first or second week of XXXX. I was told by my father to file a complaint here. \n\nIn XX/XX/XXXX, we began using the services of a company, XXXX XXXX XXXX purposes. XXXX was to provide XXXX services to XXXX, these services included : discovering what XXXX options we were eligible for, guidance/assistance with the XXXX process in its entirety, document collection/verification, submission of our XXXX application by an XXXX  lawyer, career development, biometrics screenings, final XXXX  costs, etc., To begin the process, XXXX requested a total payment of {$1400.00} USD ( split into three payments, {$300.00}, {$580.00}, and {$610.00} ), which they said would cover the creation of our profiles with the government of XXXX XXXX XXXX XXXX which XXXX options we would be eligible for, a formal evaluation, document collection/verification, and continual assistance and access to XXXX employees for guidance ). \n\nThe first payment of {$300.00} USD occurred on XX/XX/XXXX, the second payment of {$580.00} USD occurred on XX/XX/XXXX, and the third payment of {$610.00} USD occurred on XX/XX/XXXX ( these payments were made using my Chase Debit Card ). \n\nOn XX/XX/XXXX, we received our evaluation results, which provided more detail on the XXXX program we were eligible for, this was the XXXX XXXX, XXXX XXXX XXXX XXXX. After which, we had a telephone conversation with our assigned Account XXXX, XXXX XXXX. It was during this telephone conversation that XXXX XXXX informed us that an additional payment of {$4200.00} USD would need to be submitted in order to move forward with XXXX  services and to receive our XXXX  as previously indicated, their services included : guidance/assistance with the XXXX process in its entirety, document collection/verification, submission of our XXXX  application by an XXXX lawyer, career development, biometrics screenings, final XXXX costs, etc., We had concerns with the price, {$4200.00} USD, as well as the previous price of {$1400.00} USD, which we stated to XXXX XXXX during our telephone XXXX and in the email sent to him on XX/XX/XXXX. We told XXXX XXXX that we felt the initial fee of {$1400.00} USD was too high as what XXXX had \" completed '' for us was something we could have easily completed on our own ( without the use of a company such as XXXX  ). We also stated our concerns with using XXXX for this reason and asked XXXX XXXX why we would use their company over others or doing it on our own. In addition, we asked if there would be any additional fees after the {$1400.00} USD and {$4200.00} USD/if we should anticipate other fees outside of this amount, to which XXXX XXXX responded XXXX no, no more fees would be incurred. XXXX XXXX stated that if there were to be any additional fees, they would be covered by XXXX XXXX XXXX XXXXXXXX exam, XXXX credentials, biometrics screeningsXXXX XXXX  etc., ). XXXX XXXX also explained that the {$4200.00} USD payment could be split in two, {$2100.00} USD required at that time, followed by another payment of {$2100.00} USD completed at a later point in time. As a result of this conversation and email, as well as XXXX XXXX assurance that XXXX could be trusted, that they would submit our XXXX application fully with no mistakes, and that there would be no more fees, we submitted our first payment of {$2100.00} USD. This payment was completed on XX/XX/XXXX using my CitiBank XXXX. The second payment of {$2100.00} USD was completed on XX/XX/XXXX using the same CitiBank XXXX. \n\nWe started to become concerned and suspicious with XXXX and their business practices after completing our second payment of {$2100.00} USD on XX/XX/XXXX. The XXXX  team provided no proof that they had submitted anything on our behalf, they continually asked for more and more documentation ( documents that should have been requested at the beginning of this process back in XXXX ), and they had different people answer our phone calls each time that we called and expressed our concerns. It became impossible to get a hold of our Account Executive, XXXX XXXX, and according to the individuals that we spoke to, they did not know where XXXX XXXX was. XXXX also told us that we would be facing more fees, booking/scheduling the XXXX exam and receiving a XXXX credential for XXXXXXXX XXXX XXXX XXXXXXXX XXXX fees that we were told that they would cover back in XXXX ). In addition, we were made aware that XXXX  is not registered with the XXXX and can not legally represent us or submit our application as that would be a violation of immigration law, another extremely disturbing thing to find out. They told us their work around for this was using an RCIC lawyer, XXXX XXXX ; however, they refused to provide any contact information for this lawyer, which we asked them to provide multiple times. Please also note that XXXX  records all of their phone calls ( they do not tell you that they are recording but we asked, and they confirmed ) meaning that there is even further documentation of the things we are reporting to you. \n\nAfter all of these revelations, we became even more concerned and sent several emails to XXXX/their team, as well as called their business multiple times. Again, we ended up speaking with a different person each time, these individuals claimed to not have access to our case or any answers to the questions we had written/asked ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ). We kept asking to speak with our Account XXXX, XXXX XXXX, and were again told that he was not available, they could not track him down, and they did not know where he was. We finally ended up speaking with XXXX XXXX, who is apparently in charge of Customer Service. We again explained all the issues that we were having to XXXX XXXX and expressed our concerns with XXXX  and the numerous falsities we were told. XXXX XXXX was unprofessional and rude ; he was unhappy that we were calling to explain our issues and continually kept fighting us on the call. We explained to him that XXXX was in violation of our agreement and that the things we were told by our Account XXXX, XXXX XXXX, were not the case. XXXX XXXX continually made excuses and spoke over us, talking in circles. We explained to him that we needed to speak to him, as well as XXXX XXXX and that the games were no longer acceptable. We also requested a refund several times and explained that we needed the following items from XXXX and XXXX XXXX, which XXXX XXXX agreed to produce multiple times throughout our phone calls ( we also listed these items out in numerous emails to XXXX ), see below XXXX. Contact information ( phone number and email ) for the XXXX lawyer who is apparently submitting our case, XXXX XXXX. \nXXXX. Confirmation that any and all additional fees would be waived as promised ( these include the XXXX, XXXXXXXX XXXX and Biometrics ). \nXXXX. A written report and or statement regarding the status of XXXX 's efforts to date, and remaining steps to be completed. \nXXXX. Names and contact information for XXXX  staff responsible for completing all components of the immigration process. \nXXXX. An itemized report from XXXX on any work for our case to date ( task, hours spent, person involved, etc. ). XXXX XXXX said he had such a list at the beginning of our telephone conversation today. \nXXXX. Contact information for the XXXX XXXX XXXX of XXXX. \nXXXX. Allocation of a refund based on the significant problems that have evolved with XXXX including the excessive amount of time that we have expended in terms of performing the work that XXXX was to perform. At this point in time, I am expecting a full refund in the amount of {$4200.00} USD. I have not included the additional payment of {$1400.00} USD that was initially paid to you ( making the total cost of services {$5600.00} ), in which I questioned the services being provided as what had been completed could have easily been done by me and was done under false pretenses by XXXX ( using an XXXX score that I did not have ). {$570.00} USD will absolutely not suffice and is not commensurate with the work that has been \" completed '' by XXXX ( if any ) to date.\n\nXXXX. We need individuals present on the call who are actually working on our case and involved in what has been \" completed '' to date. \n\nXXXX XXXX agreed to call us back on multiple occasions with XXXX XXXX, we even had scheduled calls ; however, he continually dodged each phone call and purposely was not available/having the XXXX staff hang up on us, ignore our calls, or pretend that they could not get ahold of XXXX XXXX or XXXX XXXX. \n\nThe games have been going on for weeks now and we are reaching out as we are unable to get ahold of XXXX and seek ramifications. They continue to cancel scheduled calls, ignore our emXXXX XXXX XXXX all communication. \n\nWe are reaching out to you for assistance and sincerely hope that you can help us resolve this matter. {$5600.00} USD is a lot of money for myself and my family. It is not money that is easy to come by and it would mean the world to us if you could help us get this credited back. We have a son, we want to put him into XXXX, we want him to have the best life possible, and getting this money back rather than getting scammed out of it would make a huge difference for us. We are asking you to help, to protect us, as well as others out there that are falling for this scheme. \n\nPlease help us get back the full amount, {$5600.00} USD ( {$4200.00} USD from CitiBank Mastercard and {$1400.00} USD from XXXX Bank ) and protect others from this devious scam. We have tried reporting the company to XXXX and XXXX, but the company, XXXX continues to post fake positive reviews. XXXX XXXX is also operating as XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX and others are facing the same issues. \n\nHelp me recover my costs and protect others, I would be forever indebted to you.","date_sent_to_company":"2025-03-02T00:08:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"12274642","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-03-01T23:52:33.000Z","state":"NY","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":["XXXX was to provide XXXX services to XXXX, these services included : <em>discovering</em> what XXXX options we were eligible for, guidance/assistance with the XXXX process in its entirety, <em>document</em> collection/verification, submission of our XXXX application by an XXXX  lawyer, career development, biometrics screenings, final XXXX  costs, etc., To begin the process, XXXX requested a total payment of {$1400.00} USD ( split into three payments, {$300.00}, {$580.00}, and {$610.00} ), which they said would cover"]},"sort":[5.792927,"12274642"]},{"_index":"complaint-public-v1","_id":"2572014","_score":5.690608,"_source":{"product":"Student loan","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Legal Department American Education Services XXXX XXXX XXXX XXXX, PA XXXX AES, While I admire your effort in trying to prove your stance by providing questionable evidence, there are multiple discrepancies which raise even more questions. And as previously stated, my position remains the same in that I am not responsible for this debt and will not agree to pay any portion. If payment is what you request, please take the appropriate legal action and file the necessary paperwork with the appropriate court system for further consideration. Otherwise your wasting your time. Also, you addressed only one of my requests. Please refer to the complaint I filed onXX/XX/XXXX with the CFPB and fulfil each of the listed requests. You are obligated by federal law to provide truthful, accurate, and pertinent information regarding any debt that you service. In rebuttal to your formal response dated XX/XX/XXXX : Number 1 : Unfortunately for you, I have to deny and challenge the authenticity of this forbearance I allegedly signed for a few reasons. One : I did not sign or submit a request for forbearance at any time. The production of such document further proves that AES engages in forgery and falsifying documents. It is all too easy for anyone to replicate or reproduce a digital copy of a signature ; any document editing program can accomplish this with little effort or knowledge. See Attachment 1 for an example of a forged document that was effortlessly created in an ordinary word processing program by simply copying and pasting. Two : Is it common for a borrower to request a forbearance for less than 2 months, or for only 2 days as indicated on these charts? Why would I, knowing that I would never be able to nor agree to pay any portion of this debt sign a document asking for a couple days to a couple months of a grace period? It is illogical to think I or anyone would do this. If I had requested the max amount of time allowed for a forbearance, that would make more sense. Three : The Deferment/Forbearance charts show the dates of when these forbearances/deferments were applied. Yet, the dates do not correspond with the fake document you provided. On the forbearance document the dates are XX/XX/XXXXto XX/XX/XXXX. The chart shows dates of XX/XX/XXXX to XX/XX/XXXX. And within your letter dated XX/XX/XXXX, you state that I requested the forbearance fromXX/XX/XXXXto XX/XX/XXXX. So obviously there are too many discrepancies, lies, and illicit activities for you to keep track of. Four : You provided only one document, though extremely sketchy, indicating that I requested one ( 1 ) forbearance. Are there any other documents your willing to produce that indicate I requested the other eight ( 8 ) deferments/forbearances? I encourage you to send more documents like this to add as evidence that will aid in convicting you of fraud.\n<P/>\nI will for one moment, just for the XXXX of it, entertain the idea that I requested a forbearance for an unusual short period of time. Lets keep in mind the dates in this scenario and realize that it was only 3 months after I was forced to withdraw from school that the forbearance was supposedly processed. And this request is only effective for a couple of days to a couple of months, depending on which piece of alleged evidence you base it on. Lets also keep in mind that I was still the same young and nave boy that was duped into signing a ridiculous predatory contract, maybe about 1.5 years older than at the time of signing. It wasnt until years later that I discovered how much full of XXXX this contract and AES are, which was around the same time I began seriously disputing the debt. Now, ignorance isnt normally a worthy defense. But if its a situation where a loan shark is targeting and taking advantage of a certain demographic that has zero understanding of debt or has no suspicion that theyre about to be attacked ; then yes, ignorance is their only defense, or more simply the victim ( me ) was defenseless. And the shark knows full well their own intentions. We can see proof in Attachment 2 that at the time of the signing, I lacked the capacity to engage in such a contract. I was uninformed of how student loans worked and had no understanding of the contents of the MPN. Not to place blame on anyone for my lack of capacity, but blame is placed on you for taking advantage. Also, in Section L, item 3 of the MPN reads, I understand that I must repay this Note though I may be less than 18 years of age when the application is signed.\n<P/>\nSo, had I been 13 years old when I signed this contract, would I still be obligated to pay? Would you attempt to permanently ruin a 13 year olds life and rid their chances for success, all for money? I think this brings about a serious legal, moral, and ethical problem which sheds light on the true predatory intentions of AES, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.\n<P/>\nNumber 2 : Referencing Section C item 6 of the MPN- Interim Period states, If I have chosen to defer repayment while in school Take notice to how the statement clearly identifies who initiates a deferment. Nowhere in MPN does is give any right to the servicer or holder of the loan to initiate such changes. I never chose to defer, I simply chose to refuse repayment.\n<P/>\nIm also confused on what my enrollment status has to do with me not agreeing to pay you. It seems like a nice gesture to apply these changes- in school deferments, military deferments, etc. It gives the false impression that you care about my financial wellbeing. But, I did not request these changes nor do I care if you know what my enrollment status is. You capitalized on this information after I began seriously disputing the debt. At which time you applied these alterations without my consent. From the time I left XXXX College in XXXX XXXX until XXXX XXXX, the loan was delinquent/in default. The only changes I authorized or requested was the removal of negative credit reporting, loan forgiveness/discharge, and complete removal of all tradelines from my credit report.\n<P/>\nNumber 3 -5 : Im going to ignore these, they are irrelevant to the issue at hand. Except for the fact that you have yet to provide basic information on what an Administrative Forbearance is and how its applied. Something I requested in my previous letter.\n<P/>\nNumber 6 : This is just blatantly false in every way. Im not even sure what you mean that you received notification that I withdrew from XXXX XXXX College on XX/XX/XXXX. Id like to see that notification, because I know what my dates of attendance were. I have transcripts to prove it.\nFinally, AES speaks some truth. I agree that you transferred the account to XXXX XXXX XXXX on or aroundXX/XX/XXXX.\n<P/>\nHowever, as far as this email is concerned that you claim I sent you, though it seems to be similar to the hundreds of emails that Ive sent, Im having a hard time confirming its authenticity. I have records of all email traffic and this specific email is not registering. Please provide verification that this email exists. As it stands now, it looks as though you simply typed it out is your response letter. I can easily say that I received an email from XXXX XXXX that says, XXXX XXXX XXXX, I am truly sorry for the hardship that AES and I have caused you. We all agree that you are no longer responsible for this debt and we will immediately remove this from your credit history. Again, reference Attachment 1 as an example of how false evidence can easily be created. I also have evidence that shows you have purposely omitted and altered certain parts of email conversations in order to misrepresent the truth. See Attachment 3. Provide a copy of the email which must include all email addresses involved, dates, times, contents, replies, and a confirmation email addressed to me indicating the email was received-AES regularly sends automatic reply emails confirming receipt of any email sent to their addresses.\nAdditionally, if this email exists, it still does not represent a formal request for a deferment/forbearance. There are multiple deferment/forbearance forms on your website, similar to the one you claim that I signed and submitted. Even if it did represent a formal request, it was made after the fact that you charged off the debt and closed the account in XXXX XXXX, as indicated in one of your previous responses. See Attachment 5. Unless this email was a fabrication as well.\n<P/>\nNumber 7 & 8 : Again, enlighten me how and why XXXX XXXX XXXX XXXX was authorized to reverse the default status. Is this right stated in the MPN? After explicitly stating that I refuse to pay, why would FCDB authorize such changes? And please explain why every AES customer service representative and PHEAA consumer advocate I spoke to stated there is no record of any default or delinquency. Are you concealing or erasing critical information pertinent to this issue? Or are they all instructed to lie to me?\n<P/>\nNumber 9 : Another piece of evidence I can agree with, the fact that I disputed the default status yet again on or around XX/XX/XXXX. This is a very import time frame as it was the time in which you authorized my request of tradeline removal from my credit report due to fraudulent activity. You have repeatedly lied and placed blame on the credit bureaus for this removal. This caused a deliberate delay and misdirection from seeking the truth- an unfair and deceptive business practice which is punishable by Pennsylvania state law.\n<P/>\nThough I do not recall requesting that ALL SCRA benefits be applied, I do have verification of me requesting that the insanely high interest rate of over 15 % be reduced to the SCRA maximum of 6.0 % as well as noting that you refused to acknowledge an in-school deferment for the years of XXXX. See Attachment 4. However, even if this in school deferment that I inquired about, not formally requested, was applied, and according to your deferment chart, would actually be meaningless since the debt was charged off and closed in XXXX XXXX as you previously stated.\nRegarding Section H of the MPN, it reads, If I am unable to repay my loan in accordance with the terms established under this Note, I may request that you modify these terms. I understand that such modification would be at your option This section clearly states once again that the borrower ( me ) initiates the request for term modification. Nowhere does the MPN give exclusive rights to the owner, servicer, lender, etc. of modifying the terms of the agreement without the consent of the borrower, much less without written confirmation that the terms were in fact modified and the details of the modification.\n<P/>\nIt is a misinterpretation and very misleading to say that a forbearance period, may be granted at the holders discretion based on your inability to repay the loans You are misconstruing, manipulating, and omitting details of the actual meaning and wording of the agreement to justify your argument. No competent judge or investigator would agree to your interpretation and they would immediately dismiss your argument. Much like your interpretation of federal regulations not applying to this issue. See Attachment 5.\n<P/>\nOther Considerations : Regardless of all of this, the fact is these changes were made without my consent well after you charged off and closed the account in XXXX XXXX. See Attachment 6. Your response holds no significance other than the fact that you were attempting to clean up your mess and conceal your mistakes after I identified your illicit activities. It also shows how evasive you are in answering my questions, which is typical of a deceptive person. How did AES restore this debt after it was charged off and closed? What are the actual dates in which you applied any changes to the account? Careful in answering these questions so as not to dig even a deeper hole. It is illegal to alter accounting records, conceal information, and intentionally misrepresent account statuses, all of which are punishable under federal and state laws. You explicitly told me over the phone and in several letters that you reversed the default status in order to prevent a charge off, even though it was already charged off and closed. What was your intention in doing that? Also, Im curious, is this MPN subject to state usury laws? If so, which state ( s ) apply? If were basing it on California usury laws, which is where the contract was signed, the original interest rates of 15.357 % and 15.742 % as indicated in the disclosure statements, is well above the cap of 10 %, which voids the contract. See Attachment 7.\n<P/>\nBelow youll find my previous requests, the ones that you continue to avoid answering, along with new questions that need answering. Answer all in full detail and DO NOT evade in responding to any of the questions/requests. Respond directly, accurately, and truthfully. Failure to accurately and truthfully respond to my requests/questions is a violation of federal law and the appropriate authorities will be notified. You are obligated to deliver truthful information and a full disclosure regarding any debt you claim I owe.\n<P/>\nDISCLAIMER : I WILL NEVER AGREE TO PAY ANY PORTION OF THE DEBT YOU CLAIM I OWE DUE TO THE CIRCUMSTANCES OUTLINED IN MY PREVIOUS DISPUTE LETTERS. ANY ATTMEPT TO COLLECT THIS DEBT WILL BE A DIRECT VIOLATION OF THE FCRA AND FDCPA. THIS DEBT WILL BE FOREVER IN DISPUTE UNTIL ALL TRADELINES ARE COMPLETELY REMOVED FROM MY CREDIT HISTORY SO AS NOT TO IMPACT MY CREDIT REPORT OR SCORE IN ANY WAY. IF YOU ATTEMPT TO TRANSFER THIS ALLEGED DEBT TO COLLECTIONS, THEY WILL BE NOTIFIED IMMEDIATELY THAT THIS DEBT IS IN DISPUTE AND PURSUANCE IS A VIOLATION OF FEDERAL REGULATIONS.","date_sent_to_company":"2017-07-12T21:25:22.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"42223","tags":"Servicemember","has_narrative":true,"complaint_id":"2572014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-07-12T21:06:35.000Z","state":"KY","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["Why would I, knowing that I would never be able to nor agree to pay any portion of this debt sign a <em>document</em> asking for a couple days to a couple months of a grace period? It is illogical to think I or anyone would do this. If I had requested the max amount of time allowed for a forbearance, that would make more sense. Three : The Deferment/Forbearance charts show the dates of when these forbearances/deferments were applied. Yet, the dates do not correspond with the <em>fake</em> <em>document</em> you provided."]},"sort":[5.690608,"2572014"]},{"_index":"complaint-public-v1","_id":"3353084","_score":5.3650255,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XXXX, Wells Fargo conspired with a property management company that I had hired in the state of Utah, to open two DBA Business Checking Accounts in the name of my business, without my knowledge, or permission, and without any of the federally required supporting documentation, using a fake drivers license number, false identifying information about me, and a photocopy of an unsigned account application, that I still have the original of today. \n\nAt the time that I hired the property management company, they gave me a Wells Fargo Account Authorization and Application that had been pre-populated with my information and pre-signed by the officers of their company. They asked me to sign the application giving them permission to open business bank accounts. Not knowing these people and noticing that the application was misdated, I became uncomfortable with giving them unlimited access to my businesss income, and did not sign the application and I left their offices with it in my hand. ( attachment-1 ) Weeks later, I found out that accounts had been opened, when I unexpectedly received a Wells Fargo ATM card in the mail. \n\nFearing fraud, I immediately contacted Wells Fargo and was told that the ATM card was issued for accounts that I had opened in Utah, and that no fraud had occurred. \n\nI told Wells Fargo that I had not opened any accounts, nor had I signed any bank documents, and that I had not authorized anyone else to open accounts on my behalf. \n\nWells Fargo lied to me and told me that I must have signed another account application, because they had my signature on one, as well as everything else that was required to open business accounts, which from XXXX includes : A signed Authorization for Information and Certificate of Authority ; A signed Account Application ; and A Fictitious Name Certificate or Statement. ( attachment-2 ) Operating under their assurance, and the assumption that Wells Fargo was being honest and truthful, I allowed the accounts to remain open until XXXX, when I discovered that the property management company had misappropriated over {$400000.00} from these accounts, and had not maintained my property as contractually obligated to, and I severed our relationship. \n\nAt that time, to prevent any further fraudulent account access, I went into the Wells Fargo branch office where the accounts had been opened, and asked them to close the existing accounts and open replacements. I was informed by the branch manager, that replacement accounts could not be opened, because Wells Fargo did not have any of the Federally required supporting documentation on file for the accounts. No signature card for me, no identification, no proof of a Fictitious Name Certificate or Statement / DBA filing. Nothing. ( see Attachment-2 ) After months of going back and forth with Wells Fargo and getting nowhere, I filed a complaint with the CFPB in XXXX, XXXX. Case # XXXX. \n\nIn their response to the CFPB, Wells Fargo provided false information about a single account that I opened in XXXX, to replace one of the two fraudulent accounts. Although I was very clear in my complaint that there were two fraudulent accounts, and included the account numbers and dates open and active, the CFPB negligently failed to notice the 4 year discrepancy, or that neither of the account numbers listed in my complaint matched the account number provided by Wells Fargo, and my case was closed. ( Attachment-3 ) At that time, I filed a resolution dispute with the CFPB, pointing out that Wells Fargo was lying. ( Attachment-4 ) Rather than continuing the investigation themselves, the CFPB handed my complaint off to the OCC. ( Attachment-5 ) In their first response to the OCC,  Wells Fargo lied again, claiming that their records showed that they had my signature on file on an account application. Like the CFPB, the OCC also allowed Wells Fargo to self police and never bothered to ask them to produce those alleged records, before closing my case. ( Attachment-6 ) I filed another dispute, ( Attachment-7 ) and in their second response to the OCC, Wells Fargo completely omitted the false information they had previously given regarding my signature, and this time claimed that I had provided my drivers license as identification at account opening, yet I wasnt even in the state. Obviously, the OCC was also operating under the assumption that Wells Fargo was being truthful, because they allowed Wells Fargo to self police yet again and never even bothered to ask them to provide copies of those alleged records. ( Attachment-8 ) Wells Fargos response to the CFPB was signed : XXXX XXXX, Senior Correspondence Specialist - Wells Fargo Customer Connection ( see Attachment 3 ), yet their responses to the OCC were signed : XXXX XXXX, Senior Correspondence Specialist. ( see Attachments-6 and 9 ). However, a quick comparison of the signatures on Wells Fargos responses to the CFPB and the OCC will show that XXXX XXXX and XXXX XXXX are the same person and have the same handwriting. Why would the same Wells Fargo employee need to respond to two different government agencies on the same matter, with different stories, using different names? And coincidentally, they share the same last name with XXXX XXXX, a notorious fraudulent document mill signer once employed by Wells Fargo. \n\nI repeatedly asked Wells Fargo to produce the documents that they claimed my signature and drivers license number were on, but my requests were always denied. However, once the CFPB and OCC closed my complaints, Wells Fargo finally agreed to give me copies of the account documents that they had on file through the XXXX XXXX, California branch office, and I sat at the branch managers desk as they were faxed to him. ( Attachment-10 ) As expected, none of the account documents had my signature on them, but one set was signed by the officers of the management company. On closer inspection, it became evident that photocopies had been made of the pre-signed account application that the management company had asked me to sign, before it was given to me. ( Attachments-11a, 11b ) or ( Compare Attachments 1 and 10 ) The fact that photocopies were made of the pre-signed account application before it was given to me to sign, further establishes that Wells Fargo conspired with the property management company, who is also a Wells Fargo customer, to open accounts, with or without my permission. \n\nAdditionally, Wells Fargo did not obtain proof of a DBA filing or Business Registration, which is required documentation to open business checking accounts, and confirmation of that fact was provided by the office of the Utah Department of Commerce, Division of Corporations and Commercial Code, in a Certificate of Non-existence dated : XX/XX/XXXX, stating that no business entity with the name on the accounts, was qualified or authorized to transact business in the State of Utah during the entire time the accounts were open. ( Attachment-12 ) To further support the allegations of conspiracy and fraud, in XXXX, I went into the same Wells Fargo branch office where the fraudulent accounts had originated, and attempted to open identical business checking accounts, without providing proof of a DBA filing with the State, with the benefit of a hidden camera recording the encounter. Wells Fargo refused to open the accounts for me, stating that their computer would not even let them proceed further in the account creation process, until I provided proof of a DBA filing. However, that requirement was clearly disregarded by Wells Fargo, when the fraudulent accounts were opened, That video recording can be seen at : https : XXXX. Wells Fargos refusal can be seen at the XXXX mark at : https : XXXX? XXXX. \n\nI filed another dispute with the CFPB and the OCC. \n\nIn their response to the OCC on XX/XX/XXXX, which they later forwarded to the CFPB on XX/XX/XXXX, Wells Fargo reiterated their lies, again claiming that they had my signature on an Account Authorization and that I had provided my drivers license. They also claimed that the address on the account application was the same address that I still maintained. Both agencies allowed Wells Fargo to self police yet again, without bothering to ask Wells Fargo to provide any evidence to support their claims, and closed my case again. ( Attachment-13 ) Wells Fargo repeatedly and knowingly lied to both the CFPB and the OCC to avoid taking responsibility for this crime. Wells Fargo knew that they did not have my permission to open these accounts and repeatedly lied to conceal that fact. \n\nWells Fargo and their employees egregiously violated countless mandates of their own WELLS FARGO TEAM MEMBER CODE OF ETHICS AND BUSINESS CONDUCT on file with the SEC at : https : XXXX Because of Wells Fargos crime , I was left with significant business losses at the hands of the criminals they opened the accounts for, and in an attempt to save my business, while I waited for Wells Fargo to admit its wrongdoing and do the right thing, I stopped making payments on my Wells Fargo home mortgage for several months to help me recover financially. \n\nOnce I had recovered to a point where I could start making my mortgage payments again, Wells Fargo refused to accept any payments from me, until I brought my loan current. \n\nAs a resolution to my CFPB complaint, I had asked that Wells Fargo add the amount I was in arrears onto the end of my loan, where they would have received the interest income on that amount for the life of the loan, but they refused, and instead tried to infer that the reason for my complaint was my mortgage arrears, rather than the opening of fraudulent accounts. ( Attachment-3, page-2 ) While I continued to wait for Wells Fargo to do the right thing, I begged them for a loan modification. The first time, they told me that because I was on unemployment at the time and receiving a {$1100.00} / month benefit, I did not qualify for a modification of my {$1200.00} / month mortgage payment. \n\nThe second modification they offered me, was to allow me 6 months to make up the ( by then {$60000.00} ) arrears on my mortgage, on top of making my regular {$1200.00} / month mortgage payments, for a grand total of {$11000.00} / month, which was impossible for me. \n\nI had well over $ 1-million equity in my home and business properties, yet Wells Fargo refused to refinance my $ XXXX mortgage, because of derogatory information on my credit report that was there because Wells Fargo refused to accept my monthly mortgage payments. \n\nAs a 20+ year customer of Wells Fargo , I was convinced that they would admit to their mistake and do the right thing. As the world now knows, waiting for Wells Fargo to do the right thing is a fatal mistake. Just as waiting for the CFPB and the OCC to do their jobs as consumer protection advocates, appears to have been a mistake also. \n\nI filed a fraud claim with Wells Fargo. As part of that process, Wells Fargo asked me to send them a notarized affidavit including any documentation of the alleged fraud. I sent the affidavit to Wells Fargo via registered mail, and received a letter from Wells Fargo denying my claim, dated the day before they told me they had not received my affidavit, which clearly establishes that they never intended to investigate my claim before denying it. ( Attachments 14-15 ) I filed police reports and was told quite literally that, big banks dont do things like that. The CFPB and OCC were obviously under the same impression at the time I filed my complaint. Even my family turned against me, insisting that big banks dont do these kinds of things, yet just a year later, the world found out that Wells Fargo was indeed doing it, and on a massive scale. \n\nAs a result of Wells Fargos crimes, and the egregious failures of both the CFPB and the OCC in conducting even the most basic of investigations, I lost my home to foreclosure and roughly {>= $1,000,000} equity in the property. I also lost my business real estate to foreclosure, along with roughly {$400000.00} equity in that property, while I waited in vain for Wells Fargo to do the right thing, and for the two government agencies tasked with protecting consumers to help me. \n\nI am now terminally ill. My credit has been irreparably damaged, and for the past 4-years, I have been XXXX, while a seemingly endless list of Wells Fargo crimes and customer fraud of this type have been exposed. Because of their near criminal Arbitration Clause, the customers who were actually harmed have been prevented from having their day in court, while Wells Fargo has repeatedly agreed to pay the government meaningless fines, in exchange for admitting no wrongdoing. \n\nCombined, the CFPB and the OCC have collected over {$1.00} XXXX in fines from Wells Fargo, while the true victims of their crimes, myself included, have been left out in the cold. To put that into perspective, with $ XXXX in assets, Wells Fargo could easily afford to pay a $ XXXX fine, every month, for 165 years, and still have money left over. \n\nAs compensation for, and in admission of, opening unauthorized accounts, Wells Fargo sent me a check for a whopping {$85.00} as payment for any impact their crime has had on me. Apparently thats the going rate for destroying someones life. ( Attachment-16 )  Yesterday, I received a letter from Wells Fargo, admitting that they had reported my mortgage to credit reporting bureaus as being in foreclosure, when they shouldnt have. Of course, they did not disclose the date that occurred, but I am left wondering if that was the reason why I couldnt qualify to refinance my mortgage. ( Attachment-17 )","date_sent_to_company":"2019-08-25T06:53:07.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"91307","tags":null,"has_narrative":true,"complaint_id":"3353084","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-08-25T01:50:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["And coincidentally, they share the same last name with XXXX XXXX, a notorious fraudulent <em>document</em> mill signer once employed by Wells Fargo. \n\nI repeatedly asked Wells Fargo to produce the <em>documents</em> that they claimed my signature and drivers license number were on, but my requests were always denied."]},"sort":[5.3650255,"3353084"]},{"_index":"complaint-public-v1","_id":"3944197","_score":5.224453,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, ( cc : Congress, Senate, public media sources, consumer complaints sites, a AG offices, Courts and Judges, XXXX XXXX, President of MI XXXX XXXX XXXX XXXX CEO, XXXX XXXX, CFO, who in XX/XX/XXXX invested {$400.00} XXXX of MI public  employees pensions ( including XXXX and its analyst XXXX XXXX XXXX pension in XXXX and XXXX, fictitious \" buyers '' of non-existing \" default debt '' ( aka bets on thin air backed images about some DATA about performance of someone ; s loan ; victims of fraudulent foreclosures ) Please find my Complaint against fictitious \" Servicer '' of my \" loan '' and \" owner '' of my purported \" debt '' PennyMac Loan Services  , LLC ( former XXXX XXXX ) who on XX/XX/XXXX initiated an illegal collection from me acting under glimpse of \" buyer '' of my \" loan '' from someone whom PennyMac was not able to identify. According to the prior fictitious \" Servicer '', XXXX XXXX XXXX, XXXX ( former XXXX XXXX ), they merely \" transferred servicing rights '' to PennyMac - without any evidence of any sales or actual transfers. \n\nAccording to XXXX, they became \" servicers '' of my loan in XX/XX/XXXX, after my purported \" Lender '' XXXX XXXX  passed to XXXX  \" servicing rights '' after my loan was purportedly \" sold '' by XXXX to someone whom nobody can identify. Nobody can provide any proof of this sale by XXXX either. \n\nAccording to public records, Federal Reserve ( the actual party who operates this scam ) \" purchased '' over {$2.00} Trillion of ficitious \" mortgage backed securities '' from XXXX XXXX ( operated by XXXX, XXXX founder XXXX XXXX ), XXXX XXXX and XXXX XXXX - which Federal Reserve \" assigned '' to XXXX XXXX ( who is actually a part of Federal Reserve ) Yet, PennyMac, who never lend any money to anyone, never serviced anyone 's loan and does not even own its Company, continues to lie that PennyMac has some relationship to my loan ( \" owns '' is which is a flagrant lie to Federal Authorit Based on investigation of all FACTS, I became a victim of a biggest economic fraud operated by Federal Reserve ( read : XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, ect. ) who use table funding money to initiate transactions masquerades as loans via sham conduits ( since XXXX ALL so-called \" loans '' are originated via XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX who simultaneously sell fake \" Title Insurances '' to Big Banks ' crime victims though their own sham conduit who deceptively pose as \" issuer '' of title policies - which these sham conduits never issued. \n\nMy transaction was initiated by XXXX XXXX , XXXX with help from CoreLogic after I submitted an application for a LOAN via XXXX XXXX  , XXXX who falsely posed as a Lender. XXXX never was a lender and my transaction was not a mortgage loan. \n\nA group of Big Investment Banks ( Federal Reserve ) passed me one-time payment for financial services ( to wit : issue of Promissory Note and Mortgage which Federal Reserve convert into IMAGES sold to investors as derivatives ( contracts with XX/XX/XXXX who is a SOLE owner of ALL public stock in the US. \n\nXX/XX/XXXX used table funding pool ( illegal in California ) where my PAYMENT for SERVICES was passed to me from XX/XX/XXXX to XXXX XXXX XXXX via XXXX XXXX XXXX , XXXX via fake \" lender '' XXXX who never funded or services any loans. \n\nAfter I performed my part of this agreement - signed a Promissory Note- it was transferred to Federal Reserve partner, XX/XX/XXXXXXXX who converted my Promissory Note into IMAGES backed by DATA about my loan, which was placed with XXXX XXXX XXXX ( FR 's version of MERS. While MERS fictitiously \" owns '' all mortgages as a mortgagee, Cede fictitiously owns all publicly traded stocks in America, which are not backed by ANYTHING except nice-looking IMAGES about performance of someone's DATA about some \" loan '' on XXXX 's computer screens. \n\nInvestors never purchase any mortgages or Notes, they are not even allowed by XXXX XXXX to purchase anything except CONTRACTS with XX/XX/XXXX based on derivatives ( bets ) based on information about someone's loan. Which is a text-book fraud and identity theft. \n\nAfter Promissory Notes and Mortgages are scanned and downloaded into XXXX XXXX , XXXX ( XXXX ) and XXXX ( XXXX XXXX ) systems, the actual copies of documents are destroyed to allow several different parties to trade ( receive bets ) the same DATA at the same time. In other words, my signature on Promissory Note scanned into IMAGES placed by XXXX withXX/XX/XXXX brought Federal Reserve owners ( XXXX XXXX, XXXX, XXXX, XXXX - from XXXX to XXXX times profits - while I have to return my only payment ( {$130000.00} ) plus interest which is ALL pocketed by Federal Reserve members who operate this scam, as their tax-free revenue. My escrow money are pocketed, too. All taxes and insurances are paid by Stockbrokers from operating pools collected from investors after sales of derivatives backed by my data. \n\nXX/XX/XXXX aka Federal Reserve ( which is basically the SAME company ) are modern Con Artists who use advanced and improved collection of old tricks used by various con artists, and fraudsters in the past. They just inserted more intermediaries to avoid risks Modern Con Artists created sham companies ( MERS and Cede ) who \" OWN '' EVERYTHING in America - for the benefit of XXXX XXXX aka XXXX  XXXX  who consists of the same XX/XX/XXXX whom they \" regulate '' NOTHING new - except technology and the scale of this fraud. \n\nThis mass scam became available after XXXX launch of XXXX and XXXX XXXX which provided unprecedented opportunities to defraud investors en mass. \nIn order to keep this scam working, Big Banks must initiate foreclosures where the main objective is to ( 1 ) launder fatally broken Titles through the Court : ( 2 ) refuse to pay investors under glimpse of \" failure of the borrower '' to pay ( lie ) ; ( 3 ) initiate a new scheme with a new prey to sell more IMAGES about performance of DATA about someone's home while engineer new defaults ; ( 4 ) receive money from insurers for non-existing losses based fabricated defaults ( see {$50.00} billion baiout to AIG which went to XXXX XXXX as pure profit for fabricated by GS \" defaults '' of DATA ; ( 5 ) launder money via american housing market ; ( 6 ) evade taxes ; ( 7 ) receive tax-free profits from illegal foreclosures based on forged by XXXX XXXX 's documents. \n\nHere is how it works : Big Banks ( aka Federal Reserve ) pass money from their table funds not attached to any mortgages. Than more I research this issue, than more it appears that the source of funding is Federal Reserve table pool owned by several Big Banks ) These money are passed to borrowers via sham conduits who never had any own money and who do not even own their companies. As PennyMac 's prospectus says, the owners of their company are XXXX XXXX ( whose founder XXXX XXXX is now President of XXXX XXXX ) and XXXX XXXX XXXX fictitious \" buyers '' of non-existing default debt. \n\nBased on most recent SEC filings, one of new major owners of PennyMac is XXXX XXXX. ALL my payments are collected and processed by XXXX and cashed by XXXX  XXXX XXXX via Federal Reserve. \nSo, PennyMac not only never \" owned \" of anyone 's debt, never serviced any \" mortgages '' and not even own of its company. It is owned by \" underwriters '' = Big Banks. \n\nShame \" lenders '' ( actors for hire on fees ) pretend that they sell some \" loans '' to investors - who never bought ANY loans and only buy CONTRACTS with Cede to see IMAGES about performance of DATA purportedly backed by someone's mortgages. \n\nAnd Big Banks ( Federal Reserve ) can sell IMAGES about performance of the DATA as many times as they want, by any company who has an access to their database operated by XXXX XXXX. \n\nXXXX XXXX repelled of Glass Steagal Act in 1999, which happened exactly after XXXX and XXXX were launched and allowed to run an entire World hidden behind our computer screens. Most users can only see that is in front of them - a flat l screen with letters and numbers. Most people do not realize that here is a XXXX behind. \n\nAnd Bankers use this virtual Universe to operate a giant fraud masqueraded as \" convenience of investors '' who can only see IMAGES with handsome numbers about performance of the DATA about someone's loan while this database is operated by Federal Reserve via its XXXX and XXXX XXXX XXXX  who are the SOLE OWNERS of ALL Stock in America. \n\nPennyMac never \" bought '' any loans because here is no one who can sell them. ALL DATA about loans is held by Federal Reserve via XXXX and XXXX  and investors can only buy virtual \" Certificates '' ( contracts ) with XXXX. \n\nThese rights can be terminated without notification to or recourse by the common man. \nPayment of dividends ( solely based on discretion of XXXX XXXX brokers, pursuant to these Beneficial Ownership Rights is what keeps a financial revolution at bay. \nThese Beneficial Ownership Rights can only be held, in name only, by Members of the XXXX. The actual legal control authority over these Beneficial Ownership Rights is maintained by XXXX XXXX XXXX as the Sole Registered Shareholder only and not to either the equity shares or the Street Name Stock that are owned by XXXX XXXX XXXX. \nBy written contract, XXXX XXXX XXXX will only give Beneficial Ownership Rights to those DTC Members who have purchased the Street Name Stock from XXXX XXXX XXXX. \nDerivatives, as a trading commodity, are literally a figment of the imagination. \nThe Street Name Stock sold to XXXX  Members is the 1st Derivative since the Street Name Stock has no connection to any physical assets of the company. \nWithout the fallacious Street Name Stock being generated by XXXX XXXX XXXX, there would be no Paper to sell to the public and the IPO would generate no money. \nThe public is of the belief they are buying ownership in the company but this is a lie. \nAt this point, once XXXX  Members receive their portions of XXXX XXXX Name Stock, the IPO is announced. \nXX/XX/XXXX Members owning the Street Name Stock now sell ONLY Beneficial Ownership Rights to the public. \nThe public buys the 2nd derivative, or 2nd figment of the imagination, and receives only the revocable and cancellable Beneficial Ownership Rights to receive the net majority of declared and paid dividends. \n\nRegarding XXXX XXXX, it states : If issued in book-entry form, the classes of a series of certificates will be initially issued through the book-entry facilities of XXXX XXXX XXXX XXXX, or XXXX. No global security representing book-entry certificates may be transferred except as a whole by XXXX to a nominee of XXXX, or by a nominee of XXXX to another nominee of XXXX. Thus, XXXX  or its nominee will be the only registered holder of the certificates and will be considered the sole representative of the beneficial owners of certificates for all purposes. \nIn other words, only the XXXX  and XX/XX/XXXX may distribute Beneficial Ownership Rights. \nTherefore, the only Beneficial Owners, in all cases, will be the Direct or Indirect Participants in the XXXX  that are completely managed, controlled and regulated by the XXXX  for its own benefit. \n\nPennyMac NEVER owned anyone 's debt - simply because nobody allow them to own it ; NEVER initiated any loans because they don't have money to loan ; and NEVER serviced any mortgages since Big Banks are well aware about PennyMac 's executives criminality. \nPennyMac is is merely a foreclosure and Title laundering vehicle for Big Banks/ Federal Reserve whose sole purpose to pretend to be a \" buyer '' from XXXX  ( read Cede who passed data about my loan to a new player via new password to XXXX/XXXX XXXX database According to XXXX XXXX XXXX  and XXXX, also known as \" XXXX and XXXX '' or \" XXXX  XXXX XXXX XXXX, is a specialist United States financial institution that processes transfers of stock certificates on behalf of XXXX  XXXX XXXX XXXX the central securities depository used by the United States XXXX XXXX XXXX, which includes the New York XXXX XXXX XXXX XXXX XXXX and other exchanges together with associated clearinghouses such as XXXX XXXX XXXX XXXX XXXX and others. \n\nXX/XX/XXXX technically owns substantially all of the publicly issued stock in the United States. \nThus, investors do not themselves hold direct property rights in stock, but rather have contractual rights that are part of a chain of contractual rights involving XXXX. \nFounded in XXXX, XXXX was formed for the purpose of efficiently processing transfers of stock certificates on behalf of the XXXX XXXX XXXX. [ 3 ] The company is at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX A common misconception is that 'XX/XX/XXXX' is merely a fictitious legal name used to refer to XXXX  XXXX XXXX . In fact, XXXX is actually a New York City-based partnership of certain employees of XXXX. [ 5 ] [ 3 ] XXXX is a separate legal person from XXXX XXXX XXXX, which is owned by XXXX Participants, who are banks and brokerage houses, and not employees of XXXX. [ citation needed ] One reason XXXX is structured as a partnership is that each general partner can order transfers of stock registered in the name of the partnership without the need of presenting a separate corporate resolution to the stock issuer 's transfer agent or stock registrar to validate the authority of the transfer. \n\nHow XXXX XXXX Gets Control 1. Before the IPO is offered through a XXXX XXXX exchange, the offering company creates the original XXXX XXXX  that represents true ownership of the company as it exists prior to the IPO being formalized and offered for sale. \n2. By SEC law and XXXX XXXX procedure, before the IPO is released for sale, a binding contract MUST be executed with at least one XXXX XXXX XXXX, all of which are owned and controlled by the XXXX. \n3. After Contract execution and prior to IPO offering release, all original hard copy shares representing actual equity ownership of the company must be physically delivered to the exchange ( s ) conducting the IPO. \n4. After receipt of the original equity shares, the exchange declares itself the Sole Depository for all hard copy shares. \n5. The exchange is now the Legal owner of the company. \n6. At this point, the common mans ability to own actual equity in the company ceases to exist. \n7. Pursuant to the Securities Act of 1934, the SEC notifies the exchange that it can not simultaneously own and trade the equity shares. \n8. The SEC notifies the exchange that it can transfer ownership of the equity shares to the Nominee of the exchange.\n\n9. As the sole Nominee for all exchanges, the equity shares are transferred to XXXX XXXX XXXX. \n10. XXXX XXXX XXXX now becomes the Sole Registered Shareholder of the company. \n11. The exchange retains physical custody of the equity shares during the IPO offering period. \n12. XXXX XXXX XXXX, as the Sole Registered Shareholder and for the purpose of giving the exchange something to sell as a shill commodity, creates one ( 1 ) electronic only share certificate referred to as the Street Name Stock.\n\n13. The Securities Act of 1934 as amended requires that all traded shares must be delivered to the buyer in 1 to 3 days.\n\n14. Therefore, XXXX XXXX XXXX, electronically trades only the Street Name Stock on the XXXX- owned exchange. \n15. XXXX XXXX XXXX trades its Street Name Stock on the exchange floor as the meeting place for all sales and trades. \n\n16. The XXXX  keeps its trading protocols private such that outside parties are precluded from discovering what goes on behind closed doors and keeps the public from becoming aware of these acts. \n17. By written contract, XXXX XXXX XXXX may only sell its electronic only Street Name Stock to direct and indirect Members of the XXXX  on the XXXX  owned exchange trading floor. \n18. Members of XXXX  may only trade and sell their electronic Street Name Stock to other XXXX  Members or to XXXX XXXX XXXX. \n19. Therefore, this closed-loop sales system keeps the electronic Street Name Stock in the XXXX  Member family and directly under the control of XXXX XXXX XXXX. \n20. Only XXXX XXXX XXXX, as the Sole Registered Shareholder who actually owns the company, can give Beneficial Ownership Rights to any subsequent buyer. \n\nWhat Are Beneficial Ownership Rights 1. Beneficial Ownership Rights represent the right to vote by Proxy when that Proxy is ONLY authorized by the Registered Shareholder. \n2. Beneficial Ownership Rights are those revocable and cancellable rights to receive the major portion of a dividend, if declared. Beneficial Ownership Rights have nothing to do with Ownership of the Actual Equity Shares that represent Actual and Perfectible Ownership in the company. \n3. This extremely important clarification between Actual and Perceived Ownership of Equity Shares representing Ownership in the company is the basis for the XXXX XXXX System being able to bilk and acquire most of the wealth in the Country. \n4. Thousands of these transactions take place each business day are done so in the black and go unchallenged by the American Public.\n\n5. This is the primary reason that, since the majority of the American Public typically doesnt read or study and is ignorant of this legal reality, XXXX XXXX XXXX has basically been able to acquire and steal the ownership of America. \n6. The American Public, thinking they are buying Actual Equity Share Ownership, is being mislead and set up just as American homebuyers were in the Mortgage Crisis. \n7. Most Public Buyers accept the assurances of their Brokers and others and never read or research to ascertain the factual reality that they are buying NOTHING of actual collateralized value. \n\n\nThus, PennyMac continues to lie to cover for this biggest fraud while MI XXXX XXXX lost over {$2.00} Billion ( {$400.00} million to fake \" default debt \" buyers ) and homeowners continue to lose their homes to illegal foreclosures and return their only payments for services masqueraded as \" loans '' to the biggest criminals ever existed in the World.","date_sent_to_company":"2020-11-09T09:00:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3944197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2020-11-09T07:39:03.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["sell <em>fake</em> \" Title Insurances '' to Big Banks ' crime victims though their own sham conduit who deceptively pose as \" issuer '' of title policies - which these sham conduits never issued."]},"sort":[5.224453,"3944197"]},{"_index":"complaint-public-v1","_id":"7560143","_score":4.510846,"_source":{"product":"Mortgage","complaint_what_happened":"Im getting notices from Newrez LLC also known as Shellpoint Mortgage Servicing ( Newrez/Shellpoint ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) threatening me with foreclosure. Newrez/Shellpoint and XXXX falsely represented to Borrower that Newrez/Shellpoints attorney was meaningfully involved in preparing and filing the foreclosure action ( Recording Notice of Default ), violating the Fair Debt Collection Practices Acts ( FDCPA ) prohibition against collecting debts by using false, deceptive, or misleading representations and the Consumer Financial Protection Acts prohibition against deceptive acts and practices. The mortgage Note and Deed of Trust ( DOT ) & Assingnments of DOT in question was originated by XXXX XXXX, XXXX ( XXXX ). This Mortgage Loan was originated on XX/XX/XXXX. The Deed of Trust listed XXXX XXXX, XXXX as the lender, XXXX XXXX, XXXX. as the trustee. The Deed of Trust identifies me as the Borrower. I was a borrower of this Mortgage Loan. I sent documents to Shellpoint numerous times. In XXXX, I sent Notice of Error ( NOE ) and Request for Information ( RFI ) to Shellpoint Mortgage Servicing ( Shellpoint ). Shellpoint Mortgage Servicing is a division of Newrez LLC ( Newrez ). Shellpoint responded to my NOE & RFI. However, Shellpoint did not answer most of my NOEs & RFIs. Shellpoints deficient foreclosure policies and procedures violate Regulation X. Newrez/Shellpoint failed to ensure that Shellpoint receives accurate and current information reflecting its foreclosure attorneys actions. In fact, Shellpoint has failed to accurately maintain foreclosure-related information necessary to ensure that it provides borrower with required foreclosure protections. As a result of these and other failures, XXXX have wrongfully initiated foreclosure proceedings. Shellpoint and XXXX sent me an inaccurate payoff quote that caused the borrowers pending property sale to fall through. Shellpoint failed to comply with foreclosure restrictions in Regulation X and other federal and state restrictions in order to ensure that homeowner has an opportunity to save my home before foreclosure is initiated. I found that Shellpoint provided inaccurate descriptions of payments and transaction information, which may have misled borrower. This is unfair practice and violation by Shellpoint. Newrez/Shellpoint violated the RESPA, which prohibits, among other things, providing something of value to any person with an agreement or understanding that the person will refer real estate settlement services. Mortgage Servicer must comply with the error resolution and information requests provision. Shellpoint has failed to protect borrower when it has made servicing errors. Shellpoints errors at loan servicing stage have made it even more important that the company adequately investigate and respond to me Notices of Errors & Request for Information. These functions can act as a safety net to catch borrowers before borrower further harmed by a servicers unlawful conduct. Here, too, Shellpoint has failed. Shellpoint has routinely failed to reasonably investigate, and, when appropriate, make corrections in response to me Notices of Errors & Request for Information. These failures have caused serious harm to me. As a result of Shellpoints above policies and procedures, which also apply to NOEs, Shellpoint has failed to conduct reasonable investigations and/or, where appropriate, make corrections of errors in my Notice of Error & Request for Information. Shellpoint has not responded to all notice of errors or information request that I sent. Shellpoint failed to provide my RFI and Shellpoint failed to correct errors in Notice of Default. They failed to correct Broken Chain of Title, etc. Shellpoint and XXXX did not file Rescission of Notice of Default. Shellpoint just stated the Owner of Mortgage Loan is The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Shellpoint is acting on the XXXX XXXX 's behalf. XXXX violated various state and federal laws in initiating a non-judicial foreclosure of subject property. Shellpoint participated and conspired with XXXX XXXX in the FRAUDULENT TRANSFER ( Fraudulent Assignments of Deed of Trust ) of the Subject Property. XXXX suddenly appeared in foreclosure actions ( recorded Notice of Default, Notice of Trustees Sale ). XXXX called themselves Trustee. Notice of Default ( NOD ) was filed in XXXX, listing XXXX as the XXXX for XXXX. NOD was executed on XX/XX/XXXX by XXXX XXXX acting as authorized agent for XXXX. Shellpoint and XXXX  do not have the authority to foreclose on my home because Shellpoint, XXXX XXXX and XXXX do not own the note, have not followed proper foreclosure procedures, have not complied with certain statutory mandates. I believe my original mortgages debt was satisfied and XXXX lost any beneficial interest in my mortgage when my mortgage securitized the note and sold it to third parties and documents effecting the foreclosure process were invalid because they were improperly recorded and/or signed by someone who lacked the requisite personal knowledge and/or authority to sign. Gap in the chain of title prior to assignment of deed of trust causes the assignment and assigned deeds to be void. These Assignments of Mortgage Loan is a fraud and forgery and, even if it were not, there is broken chain of assignments from XXXX to XXXX XXXX. Assignment to XXXX XXXX is invalid and demonstrates a break in the chain of assignments of the Deed of Trust and Note. Shellpoint, XXXX XXXX and XXXX thus has no standing to foreclose as a real party in interest. Shellpoint, XXXX XXXX and XXXX failed to timely inform me of any alleged Appointments, Assignments and transfers of the mortgage in violation of RESPA. Shellpoint, XXXX XXXX and XXXX failed to timely notify me of any change of servicers, and I have made written demands to Shellpoint to show evidence of standing to claim a debt but Shellpoint, XXXX XXXX and XXXX have refused to evidence such standing. XXXX and Shellpoint are without standing to pursue this foreclosure action. XXXX XXXX Shellpoint have represented that XXXX XXXX owns and holds the note and mortgage. However, XXXX Certificates Assignments of the Mortgage or Deed of Trust ( Assignments ) were executed by a legal entity that was no longer in existence on the date the document was executed. Assignments of the mortgage or Deed of Trust were executed by an entity whose name is different from the entity named in the original document. XXXX XXXX does not have an interest in the property because the assignments of original Deed of Trust were not properly executed for a variety of reasons. Assignments of the mortgage from XXXX to XXXX XXXX had been robo-signed. Every robo-signed document is XXXX as a matter of law. The assignment ( recorded in XXXX ) was void because XXXX XXXX XXXX was a robo-signer. XXXX XXXX also lacked authority to act on behalf of XXXX or XXXX, therefore the XXXX assignment was unauthorized. It appears to have been executed on behalf of XXXX  by the same person, XXXX XXXX, who executed the assignments on behalf of XXXX XXXX XXXXXXXX and other companies. I discovered the signature of \" XXXX XXXX XXXX '' but with many different titles of multiple entities. On XX/XX/XXXX, XXXX XXXX signed for XXXX  XXXX XXXX As Attorney In Fact for XXXX XXXX, LLC by Power of Attorney Recorded on Document Number XXXX as Assistant Vice President. On XX/XX/XXXX, XXXX signed for XXXX XXXX XXXX As Attorney In Fact for XXXX XXXX, LLC by Power of Attorney Recorded on Document Number XXXX as Assistant Vice President. At the same period of time ( On or about XX/XX/XXXX ), XXXX XXXX signed for XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, Successor By Merger to XXXX Bank, XXXX Its Successor and Assigns as Assistant Secretary ( XXXX Assignment of Deed of Trust ). XXXX XXXX signed this XXXX Corrective Assignment of Deed of Trust ( Subject Property ). XXXX XXXX, who signed the XXXX assignment, as Assistant Secretary of XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX  ), appears to be the same individual who claimed to be both Assistant Secretary of XXXX  and Assistant Vice President of XXXX  XXXX XXXX. The intervening assignments are invalid because the individual who \" robo-signed '' the assignment on behalf of XXXX, XXXX XXXX XXXX XXXX held herself out as Assistant Secretary for XXXX  when she was instead an employee of XXXX XXXX  XXXX and/or other companies. Signature must be signed by a XXXX XXXX XXXX acting within the scope of his/her authority from XXXX. Title must be one he/she holds as a real officer of XXXX. XXXX XXXX is NOT real officer of XXXX. A signer XXXX XXXX actually lacked an agency relationship with XXXX. XXXX XXXX also signed the documents ( Assignments of Deed of Trust ) on behalf of many other companies/different entities. This Robo-signed XXXX assignment ( Subject Property ) is void and invalid. XXXX  is a shell corporation created by the mortgage banking institutions that used to be lenders and are now servicers the pretender-lenders. XXXX  has no role in the origination or original funding of the mortgages or deeds of trust for which it serves as nominee. XXXX  has no legal or beneficial interest in the loan instrument underlying the security instrument for which it serves as nominee. XXXX  is described as the nominee for the specifically named lender who is just an originator selling a financial product as described above. XXXX  is used as a cover-up. It effectively hides the title gap in plain sight. The execution of an assignment or corrective assignment presumes that it is acting as an agent for whoever is currently named as the claimant, beneficiary. But no such agency exists in fact or at law. The execution of a security instrument ( mortgage or loan ) by a self-proclaimed servicer ( which performs no servicing duties with respect to receipts data processing and disbursement of money from homeowners ) on behalf of a new entity appointed to be the claimant, beneficiary. But the execution of the assignment by XXXX  on behalf of XXXX after the collapse of XXXX. it does not exist. And XXXX  XXXX XXXX did not acquire any ownership interest in any homeowner transactions because XXXX  didnt own any such interest. So while XXXX  XXXX XXXX was a successor to XXXX, the foreclosure team is relying on appearances in order to get the court to presume that the merger created a transfer of the ownership of the unpaid nonexistent loan account receivable of the mortgage rights from XXXX as originator to XXXX XXXX XXXX. In such mergers, there is no Mortgage Loan Schedule, nor any written assignment of mortgage. Since the law requires the assignment, the presumption that the transfer could occur without an assignment of mortgage is erroneous. The document is supposedly executed by someone calling themselves an assistant secretary. But note that it does not say that the signor ( XXXX XXXX ) was the XXXX XXXX of XXXX. There is mention of XXXX  it includes the phrase its successors and assigns such that it is unclear from the grammar utilized whether there is a successor to XXXX  or a successor for the principal in the agency agreement between XXXX  and the originator ( XXXX XXXX ). But there is no succession to either one unless ( a ) someone bought or merged with XXXX  or ( b ) someone bought loan accounts receivable from XXXX. Such a sale wouldve been impossible because, by the time of the merger, XXXX had only reserved servicing rights which really only meant the claim to receive servicer advances upon liquidation of a foreclosed property. So there is no XXXX  successor and there is no XXXX successor as it relates to either the actual presumed transfer of the alleged underlying obligation. XXXX  has no role in the origination or original funding of the mortgages or deeds of trust for which it serves as nominee. XXXX  has no legal or beneficial interest in the promissory note underlying the security instrument for which it serves as nominee. XXXX  has no legal or beneficial interest in the loan instrument underlying the security instrument for which it serves as nominee Theres No document authorizing MERS, as nominee for the original lender ( XXXX ), to assign the subject mortgage to the foreclosing trustee. Hence, XXXX  lacked authority as mere nominee to assign my mortgage, making any assignment from original lender or XXXX  defective. XXXX, as the nominee not only lacks authority to assign the mortgage, but can not demonstrate the trustees knowledge or assent to the assignment by MERS to the foreclosure trustee. Any attempt to transfer the beneficial interest of a trust deed without actual ownership of the underlying note, is void under law. XXXX XXXX signed for this XXXX XXXX. XXXX XXXX signed for false beneficiary and XXXX  illegally named as Assignee/Beneficiary. XXXX  named Mortgage Servicer ( XXXX XXXX Bank, etc. ) as XXXX in XXXX Assignment. XXXX  assigned to False Beneficiary/False Assignee or An Impossible Beneficiary. See 15 USC 1641f1 ( stating a servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as an assignee of such obligation for purposes of this section unless the servicer is or was the owner of the obligation ) XXXX XXXX signed the Assignment of Deed of Trust recorded on XX/XX/XXXX. In XXXX, XXXX XXXX signed the assignment as an officer of XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, as Trustee for the Benefit of XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX can not be Vice President and XXXX XXXX for this Nonexistent Trust. There is no trust officer appointed by this XXXX XXXX to actively manage the affairs of the trust. XXXX XXXX should indicate the real company she works for. And XXXX XXXX should indicate her real title of company she works for. I found XXXX XXXX on XXXX. XXXX XXXX XXXX page on XXXX identifies her as an employee of XXXX XXXX XXXX XXXX XXXX A robo-signed assignment is a void assignment, and a void assignment unravels the entire nonjudicial foreclosure. The Bank and Mortgage Servicer acted with malice by recording ( themselves ) an assignment of an interest it knew it did not possess, fully aware that the ensuing Notice of Default ( XXXX ) and all that followed were void. XXXX XXXX & XXXX XXXX fraudulently executed the assignment and XXXX XXXX & XXXX XXXX were nothing more than what has come to be known as robo-signer-an individual who simply signs thousands of property record documents without any legal or corporate authority whatsoever. XXXX XXXX and XXXX XXXX had signed the assignment on behalf of XXXX  ( or beneficiary ) without adding behalf of and/or \" as attorney in fact '' the chain of title would be broken, or the assignment would be facially defective. There is no proof of authority anywhere on the document, indicating that XXXX XXXX ( the signer ) & XXXX XXXX ( the singer ) had the authority to execute the instrument in that capacity, let alone have personal knowledge of its contents. Therefore, these assignments were void since a void assignment lacks any legal effect. XXXX XXXX and XXXX XXXX XXXX ( robo-signers ) signed notarization of these Assignments. These Mortgage assignments with signatures of individuals ( XXXX XXXX & XXXX XXXX ) signing as corporate officers for corporations that never employed them in any such capacity. Contracts that are entered into by someone without capacity, impossible contracts, contracts against public policy and contracts for illegal acts are void contracts. Assignments of the trust deed from the original mortgage holder ( XXXX  ) to XXXX XXXX were void and therefore the foreclosure Notices ( Recording NOD NTS ) were invalid or void. XXXX XXXX lacked standing to bring the foreclosure action because it was not the owner of the Note when it filed the XXXX foreclosure action ( NOD ). These assignments were improperly executed by \" robo signing agents or robo-signer '' and thus XXXX XXXX \" does not have lawful ownership or a security interest in my home. Shellpoint does not have standing to foreclose on the subject property as it is not the holder in due course of the subject loan. I'm a victim of robo-signing. A valid Substitution of Trustee has never been made by a beneficiary with authority to appoint a successor trustee which states, The beneficiary may at any time remove a trustee for any reason or cause and appoint a successor trustee, and such appointment shall constitute a substitution of trustee. The recorded Substitution of Trustee fails to meet the requirements in that no document has ever been acknowledged that substitutes or appoints a trustee by an authorized Beneficiary or its agent. A document purporting to create an interest in, or a lien or encumbrance against, real property not authorized by statute, judgment or other specific legal authority is presumed to be groundless and invalid. A valid Substitution of Trustee to XXXX has never been made in accord with any contractual provision, California statute. Therefore, the Notice of XXXX XXXX XXXXs void as the cited Trustee has never been authorized to exercise a power of sale against the property. The XXXX Notice of Default was thus defective because it was recorded by an entity not yet properly substituted as the trustee. See Cal. Civ. Code Section 2934a ( stating that a trustee is properly substituted by the recording of a s substitution ) CCC Section 2934a ( b ) ( stating that if the substitution is executed prior to or concurrently with the recording of a Notice of Default, then Notice of the Substitution must be mailed on or before that recording date ) Section 2934a ( b ) requires that a Notice of Substitution of Trustee include notice of actual substitution. See Cal. Civ. Code Section 2934a ( b ) ( stating that the beneficiary or their authorized agent shall cause notice of the substitution to be mailed ) Here, XXXX was never substituted as the trustee, all actions taken by XXXX were invalid. Substitution of Trustee was never executed. Substitution of Trustee was never mailed. Substitution of Trustee was never recorded. This is in clear Violation of Section 2934a & 2934a ( b ). Since theres No Substitutions of Trustee ( Theres No appoint to new trustee XXXX ), XXXX can not file Notice of Default ( NOD ), Notice of Trustees Sale ( NOT ) against subject property. NOD recorded on XX/XX/XXXX and Notice of Trustees Sale ( NOT ) recorded on XX/XX/XXXX. Recordation of the NOD ( XXXX ) and NOT ( XXXX ) were Void because Notice XXXX XXXX XXXX Notice XXXX XXXX XXXX were not executed by authorized Trustee. XXXX & Shellpoint knew all these assignments of deed of trust, XXXX NOD, and XXXX NOT were void, invalid, and fraudulent. Only the original trustee ( XXXX ) or a properly substituted trustee may carry out a foreclosure, and substitutions of trustee must be recorded. Without a proper substitution of trustee, any foreclosure procedures ( including sales ) initiated by an unauthorized trustee are void. XXXX has No authority to sell my property. I face the prospect of losing my home due to the actions of an entity that has no power to foreclose because it does not own my Deed of Trust. There is no evidence as to what rights if any XXXX XXXX had in the subject Note and Deed of Trust or its relationship with XXXX. This defect was so substantial that it broke the chain of title and rendered the foreclosure sale void. Endorsement to the Mortgage Note : A copy of the original Note made payable to the originator is offered as evidence. Although there is adequate room on the note, no endorsement appears on the Note. An unattached XXXX XXXX is offered with no explanation as to why an allonge is necessary given that there is adequate room on the note for an endorsement. Nothing standing the lack of an endorsement on the actual note, the Endorsement allonge is not clear, not XXXX XXXX. Shellpoint, XXXX XXXX and XXXX have offered no competent evidence of standing : No Valid and No Certified Copy of Assignment of Deed of Trust. No endorsed Note to XXXX XXXX and no proof of Delivery Note. XXXX XXXX lacks standing, is not a Real Party in Interest, and offered no evidence that it is the current holder of the mortgage Note. No Certified Assignment is offered. The copy of the mortgage Note offered by the XXXX XXXX does not include a valid endorsement, in blank or otherwise nor any proof of acceptance or delivery of the note. Heres Assignments of DOT History. The Assignment ( recorded XX/XX/XXXX ), assigned to The XXXX XXXX XXXX XXXX, As Trustee for the Benefit of XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. The assignment ( recorded XX/XX/XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX, XXXX, XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. Corrective Assignment of Deed of Trust ( recorded XX/XX/XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX XXXX. However Shellpoint stated the owner of loan is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. The name of the owner of the loan is different from Assignments of Deed of Trust. They added the XXXX XXXX XXXX XXXX XXXX XXXX in assignee name themselves. But theres No Assignment assigned to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Theres no XXXX XXXX XXXX XXXX XXXX XXXX in Assignments of Deed of Trust. They created this fake name/fake entity without recording the Assignment of Deed of Trust XXXX XXXX XXXX XXXX XXXX Shellpoint stated Current Beneficiary full name ( owner of mortgage loan ) is The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Shellpoint and XXXX should explain why Shellpoints beneficiary ( XXXX XXXX ) full name is different from Assignments beneficiaries ( XXXX, XXXX, XXXX ). Please read all assignments of DOT carefully. XXXX XXXX full name is different from these Assignments beneficiaries full name. There is no identification of the certificates nor any identification of the holders of the certificates. The certificates do not convey any right, title or interest to any debt, note or mortgage, nor any payment or proceeds arising from any loan. Thus no claim could be made for a loss on an investment that does not exist. There is no investment in loans directly or indirectly. There is no representative capacity. XXXX does not represent the interests of investors in the certificates. XXXX XXXX has no powers of administration, collection or enforcement over any debt, note or mortgage and in fact has no right to even make an inquiry as to the status of any loan. Neither XXXX XXXX nor the implied trust have ever paid value for the underlying dead, they could not possibly own the mortgage and therefore could not possibly authorize enforcement. The use of the name of XXXX XXXX might be authorized in an agreement with an investment bank to use the XXXX XXXX XXXX XXXX ( XXXX ) name as part of a license agreement, but such an agreement violates existing law by naming a party as an entity who has no claim. Since that is an agreement to violate the law, the authorization is a legal nullity. And that obviously means that the Foreclosure bill did not have any real authority or any contract under which it was authorized to file a foreclosure action that had a XXXX XXXX XXXX XXXX XXXX XXXX, or any trust or any investors. Loan Servicer Shellpoint has no operative relationship with XXXX XXXX because the named XXXX XXXX has no claim. Mortgage Servicer Shellpoint may have some agency with XXXX XXXX but that does not create the rights they seek to enforce. XXXX XXXX XXXX XXXX XXXX as trustee for the certificate holders is an exercise in deceit and fraud. XXXX XXXX is not making any appearance despite its name appearing in the title of the document or case. It is named as being a trustee which means by definition that it is not appearing on its own behalf but rather appearing on behalf of a trust. There is never any allegation in XXXX Certificates foreclosure action that states that the trust was organized and existing under the laws of some XXXX jurisdiction. FOR THE CERTIFICATE HOLDERS IS A DEAD GIVE-AWAY THAT THERE IS NO CREDITOR XXXX  IS NOT A TRUSTEE FOR ANY CERTIFICATE HOLDERS BECAUSE THE CERTIFICATE HODLERS ARE NOT BENEIFICAIRIES OF ANY TRUST. Upon reviewing all of the Recorded Deeds, the Chain of Title clearly reflects that XXXX XXXX was never granted title by A VALID XXXX. Therefore, Shellpoint and XXXX had no authority to prosecute the foreclosure action. Clearly, Shellpoint and XXXX XXXX have failed to show standing and a proper chain of title of the note. Shellpoint, XXXX XXXX and XXXX have demonstrated that it lacks the right to initiate the pending non-judicial foreclosure. As Shellpoint has failed to meet its burden of proof to establish standing, the foreclosure on XX/XX/XXXX must be cancelled. XXXX instituted non-judicial foreclosure proceedings on a subject property. XXXX was not the trustee named in the deed of trust, so under Civil Code 2934, XXXX was required to record a Substitution of Trustee, but failed to do so. Failure to comply with state and federal law can result in serious consequences for the loan servicer Shellpoint. XXXX was not formally named as trustee until after they recorded the XXXX Notice of Default and XXXX Notice of Trustees Sale. Valid Mortgage holders did not execute a substitution formally naming the trustee delivering the XXXX Notice of Default as the substitute trustee until today. They didnt correct assignment before recording XXXX NOD against subject property. Shellpoint and XXXX  must explain why entities full names in assignment of DOT are different from XXXX XXXX. Shellpoint and XXXX  Certificate have no right to foreclose on my property because the last recorded assignment of deed of trust reflects that XXXX is the beneficiary, and not XXXX  Certificate. See Assignment. XXXX XXXX and Shellpoint violated Cal. Civ. Code Section 2932.5 because they do not have the power of sale and have not demonstrated legal standing to foreclose upon subject property. The entity that issued the NOD to me on XX/XX/XXXX, acted before it had legal authority to do so pursuant to an assignment of the deed of trust. The foreclosing parties had no actual authority to foreclose my home. The foreclosing party did not have a recorded assignment in place under section XXXX, which XXXX XXXX was not actual the beneficiary and XXXX was not an authorized agent of beneficiary or trustee. It appears XXXX is attempting to act as agent to Servicer NewrezXXXXShellpoint XXXX but it is unclear on behalf of what entity it was acting and whether said entity had any interest in the subject property. The foreclosure was not initiated by the correct party. At the time of NOD ( XXXX ), there had been no assignment to XXXX XXXX. The wrong parties issued the Notice of Default. The threat of foreclosure by wrong party is sufficient to constitute prejudice to the homeowner because there is no power of sale without a valid Notice of Default. I was harmed by not knowing the true of Note. I was harmed by not being able to name the real party of interest. The XXXX Assignment & XXXX Assignment were void, and therefore the XXXX Notice of Default ( NOD ), and XXXX Notice of Trustee 's Sale, were void. Theres No Assignment assigned to XXXX XXXX and therefore the XXXX NOD and XXXX NOT were void. Theres No Substitute Trustee listing XXXX  as Trustee, therefore XXXX NOD and XXXX NOT were void. Shellpoint, XXXX XXXX and XXXX did not have standing to foreclose on the Subject Property because none of them was the lender under the Loan, the holder of the Note, or the holder of a beneficial interest in the Deed of Trust. The Notice of Default ( NOD ) was unlawfully recorded in XXXX. Defects in the foreclosure process and the authority of XXXX to foreclose on my property. XXXX XXXX and Shellpoint lacked authority to appoint the Substitute Trustees. Foreclosure actions of Shellpoint and XXXX have resulted in borrower being threatened with the loss of the property. Shellpoint and XXXX intentionally, knowingly and recklessly misrepresented to me those agents of Shellpoint and XXXX were entitled to exercise the power of sale provision contained in the Deed of Trust. In fact, Shellpoint, XXXX XXXX, and XXXX were not entitled to do so and have no legal, equitable, or actual beneficial interest whatsoever in the subject property. Shellpoint, XXXX XXXX and XXXX began their fraudulent foreclosure proceedings, Shellpoint, XXXX XXXX and XXXX were not acting in good faith while attempting to collect on the subject debt. Shellpoint, XXXX XXXX and XXXX committed the acts set forth above with complete ; utter and reckless disregard of the probability of causing homeowner ( me ) to suffer severe emotional distress. As an actual and proximate cause of Shellpoint, XXXX XXXX and XXXX  attempt to fraudulently foreclose on my home or claim of the right to foreclose on my home, I have suffered severe emotional distress, including but not limited to lack of sleep, XXXX, and XXXX. Shellpoint and XXXX committed fraud by filing a fraudulent assignment of mortgage from XXXX to Shellpoint ( as servicer ). XXXX filed NOD with actual knowledge that the averments and representations made in those papers were false. XXXX had actual knowledge of the falsity of any averments and representations made on behalf of the current servicer of the mortgage. Throughout the foreclosure action, Shellpoint and XXXX have represented that XXXX XXXX owns and holds the note and mortgage. I request a determination of the rights, obligations and interest of the parties with regard to the subject property, and such determination is necessary and appropriate at this time under circumstances so that all parties may ascertain and know their rights, obligations and interests with regard to the property. I request a determination of the validity of the Trust Deeds as of the date the Notes were assigned without a concurrent assignation of the underlying Trust Deeds. I request a determination of the validity the XXXX NOD. I request a determination of whether XXXX XXXX and XXXX have authority to foreclose on subject property ( my property ).","date_sent_to_company":"2023-09-16T19:55:32.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"92833","tags":null,"has_narrative":true,"complaint_id":"7560143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-09-16T19:30:39.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["I <em>discovered</em> the signature of \" XXXX XXXX XXXX '' but with many different titles of multiple entities. On XX/XX/XXXX, XXXX XXXX signed for XXXX  XXXX XXXX As Attorney In Fact for XXXX XXXX, LLC by Power of Attorney Recorded on <em>Document</em> Number XXXX as Assistant Vice President. On XX/XX/XXXX, XXXX signed for XXXX XXXX XXXX As Attorney In Fact for XXXX XXXX, LLC by Power of Attorney Recorded on <em>Document</em> Number XXXX as Assistant Vice President."]},"sort":[4.510846,"7560143"]},{"_index":"complaint-public-v1","_id":"7558870","_score":4.510846,"_source":{"product":"Mortgage","complaint_what_happened":"Im getting notices from Mortgage Servicer Shellpoint Mortgage Servicing ( Shellpoint ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) threatening me with foreclosure. Shellpoint and XXXX falsely represented to Borrower that their ( Shellpoints ) attorney was meaningfully involved in preparing and filing the foreclosure action ( Recording NOD NOT ), violating the Fair Debt Collection Practices Acts ( FDCPA ) prohibition against collecting debts by using false, deceptive, or misleading representations and the Consumer Financial Protection Acts prohibition against deceptive acts and practices. The mortgage Note and Deed of Trust ( DOT ) & Assingnments of DOT in question was originated by XXXX XXXX XXXX XXXX XXXX XXXX. This Mortgage Loan was originated on XX/XX/XXXX. The Deed of Trust listed XXXXXXXX XXXX XXXX as the lender, XXXX XXXX, XXXX. as the trustee. I was a borrower of this Mortgage XXXX. The Deed of Trust identifies me as the Borrower. I sent documents to Shellpoint numerous times. In XXXX, I sent Notice of Error ( NOE ) and Request for Information ( RFI ) to Mortgage Loan Servicer Shellpoint Mortgage Servicing ( Shellpoint ). Shellpoint Mortgage Servicing is a division of Newrez LLC. ( Newrez ). Shellpoint responded to my NOE & RFI. However, Shellpoint did not answer most of my NOEs & RFIs. Shellpoints deficient foreclosure policies and procedures violate Regulation X. They failed to ensure that Shellpoint receives accurate and current information reflecting its foreclosure attorneys actions. In fact, Shellpoint has failed to accurately maintain foreclosure-related information necessary to ensure that it provides borrower with required foreclosure protections. As a result of these and other failures, Shellpoints Trustee XXXX  have wrongfully initiated foreclosure proceedings. Shellpoint and XXXX sent me an inaccurate payoff quote that caused the borrowers pending property sale to fall through. Shellpoint failed to comply with foreclosure restrictions in Regulation X and other federal and state restrictions in order to ensure that homeowner has an opportunity to save my home before foreclosure is initiated. I found that Shellpoint provided inaccurate descriptions of payments and transaction information, which may have misled borrower. This is unfair practice and violation by mortgage servicer Shellpoint. Shellpoint violated the RESPA, which prohibits, among other things, providing something of value to any person with an agreement or understanding that the person will refer real estate settlement services. Mortgage Servicers must comply with the error resolution and information requests provision. Shellpoint has failed to protect borrower when it has made servicing errors. Shellpoints errors at loan servicing stage have made it even more important that the company adequately investigate and respond to me complaints and notices of errors & request for information. These functions can act as a safety net to catch borrowers before borrower further harmed by a servicers unlawful conduct. Here, too, Shellpoint has failed. Shellpoint has routinely failed to reasonably investigate, and, when appropriate, make corrections in response to me complaints and notices of errors & request for information. These failures have caused serious harm to me. As a result of Shellpoints above policies and procedures, which also apply to NOEs, Shellpoint has failed to conduct reasonable investigations and/or, where appropriate, make corrections of errors in my Notice of Error & Request for Information. Shellpoint has not responded to all notice of errors or information request that I sent. Shellpoint failed to provide my Request for Information ( RFI ) and Shellpoint also failed to correct errors in Notice of Default, Broken Chain of Title, etc. Shellpoint, BNYM Certificate, Foreclosure Trustee did not file rescission of notice of default. Shellpoint just stated the Owner of Mortgage Loan is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Shellpoint is acting on the BNYM Certificate 's behalf. Mortgage Loan Servicers and Trustee violated various state and federal laws in initiating a non-judicial foreclosure of subject property. Mortgage Loan Servicers participated and conspired with XXXX XXXX in the FRAUDULENT TRANSFER ( Fraudulent Assignments of Deed of Trust ) of the Subject Property. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) suddenly appeared in foreclosure actions ( recorded Notice of Default, Notice of Trustees Sale ). XXXX called themselves Trustee. Notice of Default was filed in XXXX, listing XXXX as the XXXX for XXXX. Notice of Default was executed on XX/XX/XXXX by XXXX XXXX acting as authorized agent for XXXX. Shellpoint and XXXX do not have the authority to foreclose on my home because Shellpoint, XXXX XXXX and XXXX do not own the note, have not followed proper foreclosure procedures, have not complied with certain statutory mandates, and XXXX XXXX. I believe my original mortgages debt was satisfied and XXXX lost any beneficial interest in my mortgage when my mortgage securitized the note and sold it to third parties and documents effecting the foreclosure process were invalid because they were improperly recorded and/or signed by someone who lacked the requisite personal knowledge and/or authority to sign. Gap in the chain of title prior to assignment of deed of trust causes the assignment and assigned deeds to be void. Assignment of the Loan is a fraud and forgery and, even if it were not, there is broken chain of assignments from XXXX to XXXX XXXX. Assignment to XXXX XXXX is invalid and demonstrates a break in the chain of assignments of the Deed of Trust and Note. Shellpoint or XXXX XXXX thus has no standing to foreclose as a real party in interest. Shellpoint, XXXX XXXX and XXXX failed to timely inform me of any alleged Appointments, Assignments and transfers of the mortgage in violation of RESPA. Shellpoint, XXXX XXXX and XXXX failed to timely notify me of any change of servicers, and I have made written demands to Shellpoint to show evidence of standing to claim a debt but Shellpoint, XXXX XXXX and XXXX have refused to evidence such standing. XXXX and Shellpoint are without standing to pursue this foreclosure action. XXXX XXXX Shellpoint have represented that XXXX XXXX owns and holds the note and mortgage. However, XXXX Certificates assignments of the Mortgage or Deed of Trust ( Assignments ) were executed by a legal entity that was no longer in existence on the date the document was executed. Assignments of the mortgage or Deed of Trust were executed by an entity whose name is different from the entity named in the original document. XXXX XXXX does not have an interest in the property because the assignments of original Deed of Trust were not properly executed for a variety of reasons. Assignments of the mortgage from XXXX to XXXX XXXX had been robo-signed. Every robo-signed document is XXXX as a matter of law. The assignment ( recorded in XXXX ) was void because XXXX XXXX XXXX was a robo-signer. XXXX XXXX also lacked authority to act on behalf of XXXX or XXXX, therefore the XXXX assignment was unauthorized. It appears to have been executed on behalf of MERS by the same person, XXXX XXXX, who executed the assignments on behalf of XXXX XXXX XXXXXXXX and other companies. I discovered the signature of \" XXXX XXXX XXXX '' but with many different titles of multiple entities. On XX/XX/XXXX, XXXX XXXX signed for XXXX XXXX XXXXXXXX As Attorney In Fact for XXXXXXXX XXXX XXXX by Power of Attorney Recorded on Document Number XXXX as Assistant Vice President. On XX/XX/XXXX, XXXX signed for XXXX XXXXXXXX XXXX As Attorney In Fact for XXXX XXXX XXXX  by Power of Attorney Recorded on Document Number XXXX as Assistant Vice President. At the same period of time ( On or about XX/XX/XXXX ), XXXX XXXX signed for Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, Successor By Merger to XXXX XXXX XXXXXXXX Its Successor and Assigns as Assistant Secretary ( XXXX Assignment of Deed of Trust ). XXXX XXXX signed this XXXX Corrective Assignment of Deed of Trust ( Subject Property ). XXXX XXXX, who signed the XXXX assignment, as Assistant Secretary of Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), appears to be the same individual who claimed to be both Assistant Secretary of XXXX and Assistant Vice President of XXXX XXXX XXXXXXXX. The intervening assignments are invalid because the individual who \" robo-signed '' the assignment on behalf oXXXX XXXX XXXX XXXX XXXX fraudulently held herself out as assistant secretary for XXXX when she was instead an employee of XXXX XXXX XXXXXXXX XXXX XXXX companies. Signature must be signed by a XXXX XXXX XXXX acting within the scope of his/her authority from XXXX Title must be one he/she holds as a real officer of XXXX. XXXX XXXX is not real officer of XXXX. A signer XXXX XXXX actually lacked an agency relationship with XXXX XXXX XXXX also signed the documents ( Assignments of Deed of Trust ) on behalf of many other companies/different entities. This Robo-signed XXXX assignment ( Subject Property ) is void and invalid. XXXX is a XXXX XXXX created by the mortgage banking institutions that used to be lenders and are now servicers the pretender-lenders. XXXX has no role in the origination or original funding of the mortgages or deeds of trust for which it serves as nominee. XXXX has no legal or beneficial interest in the loan instrument underlying the security instrument for which it serves as nominee. XXXX is described as the nominee for the specifically named lender who is just an originator selling a financial product as described above. XXXX  is used as a cover-up. It effectively hides the title gap in plain sight. The execution of an assignment or corrective assignment presumes that it is acting as an agent for whoever is currently named as the claimant, beneficiary. But no such agency exists in fact or at law. The execution of a security instrument ( mortgage or loan ) by a self-proclaimed servicer ( which performs no servicing duties with respect to receipts data processing and disbursement of money from homeowners ) on behalf of a new entity appointed to be the claimant, beneficiary. But the execution of the assignment by XXXX  on behalf of XXXX after the collapse of countrywide. it does not exist. And XXXX XXXX XXXX did not acquire any ownership interest in any homeowner transactions because countrywide didnt own any such interest. So while XXXX XXXX XXXX was a successor to XXXX, the foreclosure team is relying on appearances in order to get the court to presume that the merger created a transfer of the ownership of the unpaid nonexistent loan account receivable of the mortgage rights from XXXX as originator to XXXX XXXX XXXXXXXX. In such mergers, there is no Mortgage Loan Schedule, nor any written assignment of mortgage. Since the law requires the assignment, the presumption that the transfer could occur without an assignment of mortgage is erroneous. The document is supposedly executed by someone calling themselves an assistant secretary. But note that it does not say that the signor ( XXXX XXXX ) was the assistant secretary of XXXX. There is mention of XXXX  it includes the phrase its successors and assigns such that it is unclear from the grammar utilized whether there is a successor to XXXX  or a successor for the principal in the agency agreement between XXXX and the originator ( XXXXXXXX XXXX XXXX. But there is no succession to either one unless ( a ) someone bought or merged with XXXX or ( b ) someone bought loan accounts receivable from XXXX. Such a sale wouldve been impossible because, by the time of the merger, XXXX had only reserved servicing rights which really only meant the claim to receive servicer advances upon liquidation of a foreclosed property. So there is no XXXX successor and there is no XXXX successor as it relates to either the actual presumed transfer of the alleged underlying obligationXXXX XXXX has no role in the origination or original funding of the mortgages or deeds of trust for which it serves as nominee. XXXX has no legal or beneficial interest in the promissory note underlying the security instrument for which it serves as nomineeXXXX XXXX has no legal or beneficial interest in the loan instrument underlying the security instrument for which it serves as nominee Theres No document authorizing XXXX, as nominee for the original lender ( XXXX ), to assign the subject mortgage to the foreclosing trustee. Hence, XXXX lacked authority as mere nominee to assign my mortgage, making any assignment from original lender or XXXX  defective. XXXX, as the nominee not only lacks authority to assign the mortgage, but can not demonstrate the trustees knowledge or assent to the assignment by XXXX to the foreclosure trustee. Any attempt to transfer the beneficial interest of a trust deed without actual ownership of the underlying note, is void under law. XXXX XXXX signed for this XXXX XXXX. XXXX XXXX signed for false beneficiary and MERS illegally named as Assignee/Beneficiary. XXXX named Mortgage XXXX ( XXXX XXXXXXXX XXXX etc. ) as Assignee in XXXX Assignment. XXXX assigned to False Beneficiary/False Assignee or An Impossible Beneficiary. See XXXX XXXX XXXX ( stating a servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as an assignee of such obligation for purposes of this section unless the servicer is or was the owner of the obligation ) XXXX XXXX signed the Assignment of Deed of Trust recorded on XX/XX/XXXX. In XXXX, XXXX XXXX signed the assignment as an XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX can not be Vice President and Assistant Secretary for this Nonexistent Trust. There is no trust officer appointed by this Nonexistent Trust to actively manage the affairs of the trust. XXXX XXXX should indicate the real company she works for. And XXXX XXXX should indicate her real title of company she works for. I found XXXX XXXX on XXXX. XXXX XXXX profile page on XXXX identifies her as an employee of XXXX XXXX XXXX XXXX XXXX A robo-signed assignment is a void assignment, and a void assignment unravels the entire nonjudicial foreclosure. The Bank and Mortgage Servicer acted with malice by recording ( themselves ) an assignment of an interest it knew it did not possess, fully aware that the ensuing Notice of Default ( XXXX ) and all that followed were void. XXXX XXXX & XXXX XXXX fraudulently executed the assignment and XXXX XXXX & XXXX XXXX were nothing more than what has come to be known as robo-signer-an individual who simply signs thousands of property record documents without any legal or corporate authority whatsoever. XXXX XXXX and XXXX XXXX had signed the assignment on behalf of XXXX ( or beneficiary ) without adding behalf of and/or \" as attorney in fact '' the chain of title would be broken, or the assignment would be facially defective. There is no proof of authority anywhere on the document, indicating that XXXX XXXX ( the signer ) & XXXX XXXX ( the singer ) had the authority to execute the instrument in that capacity, let alone have personal knowledge of its contents. Therefore, these assignments were void since a void assignment lacks any legal effect. XXXX XXXX and XXXX XXXX XXXX ( robo-signers ) signed notarization of these Assignments. These Mortgage assignments with signatures of individuals ( XXXX XXXX & XXXX XXXX ) signing as corporate officers for corporations that never employed them in any such capacity. Contracts that are entered into by someone without capacity, impossible contracts, contracts against public policy and contracts for illegal acts are void contracts. Assignments of the trust deed from the original mortgage holder ( XXXX  ) to XXXX XXXX were void and therefore the foreclosure Notices ( Recording NOD NTS, etc. ) were invalid or void. XXXX XXXX lacked standing to bring the foreclosure action because it was not the owner of the Note when it filed the XXXX foreclosure action ( NOD ). These assignments were improperly executed by \" robo signing agents or robo-signer '' and thus XXXX XXXX \" does not have lawful ownership or a security interest in my home. Shellpoint does not have standing to foreclose on the subject property as it is not the holder in due course of the subject loan. I'm a victim of robo-signing. A valid Substitution of Trustee has never been made by a beneficiary with authority to appoint a successor trustee which states, The beneficiary may at any time remove a trustee for any reason or cause and appoint a successor trustee, and such appointment shall constitute a substitution of trustee. The recorded Substitution of Trustee fails to meet the requirements in that no document has ever been acknowledged that substitutes or appoints a trustee by an authorized Beneficiary or its agent. A document purporting to create an interest in, or a lien or encumbrance against, real property not authorized by statute, judgment or other specific legal authority is presumed to be groundless and invalid. A valid Substitution of Trustee to XXXX has never been made in accord with any contractual provision, California statute. Therefore, the Notice XXXX XXXX XXXX is void as the cited Trustee has never been authorized to exercise a power of sale against the property. The XXXX Notice of Default was thus defective because it was recorded by an entity not yet properly substituted as the trustee. See Cal. Civ. Code Section 2934a ( stating that a trustee is properly substituted by the recording of a s substitution ) CCC Section 2934a ( b ) ( stating that if the substitution is executed prior to or concurrently with the recording of a Notice of Default, then Notice of the Substitution must be mailed on or before that recording date ) Section 2934a ( b ) requires that a Notice of Substitution of Trustee include notice of actual substitution. See Cal. Civ. Code Section 2934a ( b ) ( stating that the beneficiary or their authorized agent shall cause notice of the substitution to be mailed ) Here, XXXX was never substituted as the trustee, all actions taken by XXXX were invalid. Substitution of Trustee was never executed. Substitution of Trustee was never mailed. Substitution of Trustee was never recorded. This is in clear Violation of Section 2934a & 2934a ( b ). Since theres No Substitutions of Trustee ( Theres No appoint to new trustee XXXX ), XXXX can not file Notice of Default ( NOD ), Notice of Trustees Sale ( NOT ) against subject property. NOD recorded on XX/XX/XXXX and Notice of Trustees Sale ( NOT ) recorded on XX/XX/XXXX. Recordation of the NOD ( XXXX ) and NOT ( XXXX ) were Void because XXXX NOD & XXXX NOT were not executed by authorized Trustee. XXXX & Shellpoint knew all these assignments of deed of trust, XXXX NOD, and XXXX NOT were void, invalid, and fraudulent. Only the original trustee ( XXXX ) or a properly substituted trustee may carry out a foreclosure, and substitutions of trustee must be recorded. Without a proper substitution of trustee, any foreclosure procedures ( including sales ) initiated by an unauthorized trustee are void. XXXX has No authority to sell my property. I face the prospect of losing my home due to the actions of an entity that has no power to foreclose because it does not own my Deed of Trust. There is no evidence as to what rights if any XXXX XXXX had in the subject Note and Deed of Trust or its relationship with XXXX. This defect was so substantial that it broke the chain of title and rendered the foreclosure sale void. Endorsement to the Mortgage Note : A copy of the original Note made payable to the originator is offered as evidence. Although there is adequate room on the note, no endorsement appears on the Note. An unattached Endorsement Allonge is offered with no explanation as to why an allonge is necessary given that there is adequate room on the note for an endorsement. Nothing standing the lack of an endorsement on the actual note, the Endorsement allonge is not clear, not XXXX XXXX. Shellpoint, XXXX XXXX and XXXX have offered no competent evidence of standing : No Valid and No Certified Copy of Assignment of Deed of Trust. No endorsed Note to XXXX XXXX and no proof of Delivery Note. XXXX XXXX lacks standing, is not a Real Party in Interest, and offered no evidence that it is the current holder of the mortgage Note. No Certified Assignment is offered. The copy of the mortgage Note offered by the XXXX XXXX does not include a valid endorsement, in blank or otherwise nor any proof of acceptance or delivery of the note. Heres Assignments of DOT History. The Assignment ( recorded XX/XX/XXXX ), assigned to The Bank XXXX New York, As Trustee for the Benefit of XXXX XXXX XXXXXXXX XXXX XXXX XXXX-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. The assignment ( recorded XX/XX/XXXX ), assigned to Bank XXXX New York XXXX XXXX XXXX Bank XXXX New York, as Trustee for XXXX XXXX XXXX, XXXX, XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. Corrective Assignment of Deed of Trust ( recorded XX/XX/XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX XXXX. However Shellpoint stated the owner of loan is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as Trustee for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX. The name of the owner of the loan is different from Assignments of Deed of Trust. They added the XXXX XXXX XXXX XXXX XXXX XXXX in assignee name themselves. Theres no XXXX XXXX XXXX XXXX XXXX XXXX in Assignments of Deed of Trust. They created this fake name/fake entity without recording the Assignment of Deed of Trust XXXX XXXX XXXX XXXX XXXX Shellpoint stated Current Beneficiary full name ( owner of mortgage loan ) is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass Through Certificates, Series XXXX ( XXXX XXXX ). Shellpoint and XXXX should explain why XXXX beneficiary ( XXXX XXXX ) full name is different from Assignments beneficiaries ( XXXX, XXXX, XXXX ). Please read all assignments of DOT carefully. XXXX XXXX full name is different from these Assignments beneficiaries full name. There is no identification of the certificates nor any identification of the holders of the certificates. The certificates do not convey any right, title or interest to any debt, note or mortgage, nor any payment or proceeds arising from any loan. Thus no claim could be made for a loss on an investment that does not exist. There is no investment in loans directly or indirectly. There is no representative capacity. XXXX does not represent the interests of investors in the certificates. XXXX XXXX has no powers of administration, collection or enforcement over any debt, note or mortgage and in fact has no right to even make an inquiry as to the status of any loan. Neither XXXX XXXX nor the implied trust have ever paid value for the underlying dead, they could not possibly own the mortgage and therefore could not possibly authorize enforcement. The use of the name of XXXX XXXX might be authorized in an agreement with an investment bank to use the XXXX XXXX XXXX XXXX XXXX XXXX XXXX name as part of a license agreement, but such an agreement violates existing law by naming a party as an entity who has no claim. Since that is an agreement to violate the law, the authorization is a legal nullity. And that obviously means that the Foreclosure bill did not have any real authority or any contract under which it was authorized to file a foreclosure action that had a XXXX XXXX XXXX XXXX XXXX XXXX or any trust or any investors. Loan Servicer Shellpoint has no operative relationship with XXXX XXXX because the named XXXX XXXX has no claim. Mortgage XXXX Shellpoint XXXX have some agency with XXXX XXXX but that does not create the rights they seek to enforce. Bank XXXX New York XXXX as trustee for the certificate holders is an exercise in deceit and fraud. XXXX XXXX is not making any appearance despite its name appearing in the title of the document or case. It is named as being a trustee which means by definition that it is not appearing on its own behalf but rather appearing on behalf of a trust. There is never any allegation in XXXX Certificates foreclosure action that states that the trust was organized and existing under the laws of some U.S. jurisdiction. FOR THE CERTIFICATE HOLDERS IS A DEAD GIVE-AWAY THAT THERE IS NO CREDITOR BNYM IS NOT A TRUSTEE FOR ANY CERTIFICATE HOLDERS BECAUSE THE CERTIFICATE HODLERS ARE NOT BENEIFICAIRIES OF ANY TRUST. Upon reviewing all of the Recorded Deeds, the Chain of Title clearly reflects that XXXX XXXX was never granted title by A VALID GRANTOR. Therefore, Shellpoint and XXXX had no authority to prosecute the foreclosure action. Clearly, Shellpoint and XXXX XXXX have failed to show standing and a proper chain of title of the note. Shellpoint, XXXX XXXX and XXXX have demonstrated that it lacks the right to initiate the pending non-judicial foreclosure. As Shellpoint has failed to meet its burden of proof to establish standing, the foreclosure on XX/XX/XXXX must be cancelled. XXXX instituted non-judicial foreclosure proceedings on a subject property. XXXX was not the trustee named in the deed of trust, so under XXXX XXXX XXXX, XXXX was required to record a Substitution of Trustee, but failed to do so. Failure to comply with state and federal law can result in serious consequences for the loan servicer Shellpoint. XXXX was not formally named as trustee until after they recorded the XXXX Notice of Default and XXXX Notice of Trustees Sale. Valid Mortgage holders did not execute a substitution formally naming the trustee delivering the XXXX Notice of Default as the substitute trustee until today. They didnt correct assignment before recording XXXX NOD against subject property. They must explain why entities full names in assignment of DOT are different from XXXX XXXX. Shellpoint and XXXX XXXX have no right to foreclose on my property because the last recorded assignment of deed of trust reflects that XXXX is the beneficiary, and not BNYM Certificate. See Assignment. XXXX XXXX and Shellpoint violated Cal. Civ. Code Section 2932.5 because they do not have the power of sale and have not demonstrated legal standing to foreclose upon subject property. The entity that issued the NOD to me on XX/XX/XXXX, acted before it had legal authority to do so pursuant to an assignment of the deed of trust. The foreclosing parties had no actual authority to foreclose my home. The foreclosing party did not have a recorded assignment in place under section XXXX, which XXXX XXXX was not actual the beneficiary and XXXX was not an authorized agent of beneficiary or trustee. It appears XXXX is attempting to act as agent to Servicer Shellpoint, but it is unclear on behalf of what entity it was acting and whether said entity had any interest in the subject property. The foreclosure was not initiated by the correct party. At the time of NOD ( XXXX ), there had been no assignment to XXXX XXXX. The wrong parties issued the Notice XXXX XXXX. The threat of foreclosure by wrong party is sufficient to constitute prejudice to the homeowner because there is no power of sale without a valid Notice of Default. I was harmed by not knowing the true of Note. I was harmed by not being able to name the real party of interest. The XXXX Assignment & XXXX Assignment were void, and therefore the XXXX Notice of Default ( NOD ), and XXXX Trustee 's Sale Notice, were void. Theres No Substitute Trustee and therefore XXXX Notice of Default and XXXX Notice of Trustees Sale were void. Shellpoint, XXXX XXXX, XXXX did not have standing to foreclose on the Subject Property because none of them was the lender under the Loan, the holder of the Note, or the holder of a beneficial interest in the Deed of Trust. Again, ( 1 ) The assignment of the deed of trust to XXXX XXXX was unlawfully recorded and void. ( XXXX ) The substitution of the trustee from XXXX to XXXX was void. ( XXXX ) The Notice of Default ( NOD ) was unlawfully recorded in XXXX. Defects in the foreclosure process and the authority of XXXX to foreclose on my property. XXXX XXXX and Shellpoint lacked authority to appoint the XXXX XXXX. Foreclosure actions of Shellpoint and XXXX have resulted in borrower being threatened with the loss of the property. Shellpoint and XXXX intentionally, knowingly and recklessly misrepresented to me those agents of Shellpoint and XXXX were entitled to exercise the power of sale provision contained in the Deed of Trust. In fact, Shellpoint, XXXX XXXX, and XXXX were not entitled to do so and have no legal, XXXX, or actual beneficial interest whatsoever in the subject property. Shellpoint, XXXX XXXX and XXXX began their fraudulent foreclosure proceedings, Shellpoint, XXXX XXXX, and XXXX were not acting in good faith while attempting to collect on the subject debt. Shellpoint, XXXX XXXX and XXXX committed the acts set forth above with complete ; utter and reckless disregard of the probability of causing homeowner ( me ) to suffer severe emotional distress. As an actual and proximate cause of Shellpoint, XXXX XXXX and XXXX attempt to fraudulently foreclose on my home or claim of the right to foreclose on my home, I have suffered severe emotional distress, including but not limited to lack of sleep, XXXX XXXX XXXXXXXX. Shellpoint and XXXX committed fraud by filing a fraudulent assignment of mortgage from XXXX to Shellpoint ( as servicer ). XXXX filed NOD with actual knowledge that the averments and representations made in those papers were false. XXXX had actual knowledge of the falsity of any averments and representations made on behalf of the current servicer of the mortgage. Throughout the foreclosure action, Shellpoint and XXXX have represented that XXXX XXXX owns and holds the note and mortgage. I request a determination of the rights, obligations and interest of the parties with regard to the subject property, and such determination is necessary and appropriate at this time under circumstances so that all parties may ascertain and know their rights, obligations and interests with regard to the property. I request a determination of the validity of the Trust Deeds as of the date the Notes were assigned without a concurrent assignation of the underlying Trust Deeds. I request a determination of the validity the Notice of Default ( XXXX NOD ). I request a determination of whether Shellpoint, XXXX XXXX and XXXX have authority to foreclose on subject property ( my property ).","date_sent_to_company":"2023-09-16T05:06:01.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"92833","tags":null,"has_narrative":true,"complaint_id":"7558870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-09-16T03:41:04.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["I <em>discovered</em> the signature of \" XXXX XXXX XXXX '' but with many different titles of multiple entities. On XX/XX/XXXX, XXXX XXXX signed for XXXX XXXX XXXXXXXX As Attorney In Fact for XXXXXXXX XXXX XXXX by Power of Attorney Recorded on <em>Document</em> Number XXXX as Assistant Vice President. On XX/XX/XXXX, XXXX signed for XXXX XXXXXXXX XXXX As Attorney In Fact for XXXX XXXX XXXX  by Power of Attorney Recorded on <em>Document</em> Number XXXX as Assistant Vice President."]},"sort":[4.510846,"7558870"]},{"_index":"complaint-public-v1","_id":"7364149","_score":4.1333003,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXXXXXX Reference : XXXX XXXX XXXX. ( The fraudulent company ) Reference : Wells Fargo Bank To : Consumer Financial Protection Bureau This is an Ombudsman letter addressed to Consumer Financial Protection Bureau Dear Sir/Madam , I urgently need to draw your attention to a distressing issue concerning the financial company name Wells Fargo Bank XXXX Unfortunately, I have become a victim of a carefully planned scam orchestrated by an entity called XXXX XXXX XXXX. This fraudulent company has deceptively presented itself and has employed illegal and manipulative tactics, leading to a substantial financial loss. I am writing to seek your immediate assistance in resolving this critical situation. \nI regret to inform you that I have fallen victim to a fraudulent company called \" XXXX XXXX XXXX. '' They presented themselves as a legitimate business offering promotional and legal campaign services, but unfortunately, they did not deliver on their promises. I have not received any returns or services as expected. What's more, all the funds I deposited with them have not been refunded, causing significant financial distress. It is evident that their practices were illegal, manipulative, and a direct violation of the law and our contractual agreement. After obtaining my funds, the company disappeared without any explanation or notice, making it impossible to contact them or resolve the issue. Despite my persistent efforts to reach out to them and other parties involved, I have been unsuccessful in finding a resolution. \nI kindly request that you initiate a dispute against XXXX XXXX XXXX. and the relevant parties involved in order to seek resolution and recover the funds. The dispute is justified based on the following reasons : Goods or Services Not Provided 2 Not as Described or Defective Merchandise Questionable Merchant Activity Misrepresentation Fraudulent Action Money-Laundering Identity Theft Terror Affiliate ( Misappropriation of assets or funds ) Authorized Push-Payment Scam On XX/XX/XXXX, I took the necessary steps to initiate the dispute process with my bank, Wells Fargo Bank, in hopes of recovering the funds. I attached copies of the letters I submitted to my bank, along with the relevant evidence highlighting the fraudulent nature of the situation. However, it is with deep disappointment that I inform you that I didnt receive a response from my bank. They seem to not care about the incident that I have encountered. By not responding to it, it leaves me with the disheartening feeling that I was a victim of deception, falsehood, and manipulation. It is disheartening that they failed to acknowledge and understand the gravity of the scam I fell victim to. \n3 Scam Story and Context In pursuit of my dream to represent the people as a senator in the U.S. Senate, I sought to engage the services of a reputable promotion company named XXXX XXXX XXXX. With great hope and anticipation, I signed a contract with them on XX/XX/XXXX, with the agreement spanning until the XX/XX/XXXX, election date. \nRegrettably, what started as a promising collaboration soon turned into a nightmare of fraudulent practices that not only caused financial harm but also left me disheartened by the violation of ethical and legal standards. \nFrom the outset, XXXX XXXX XXXX made grandiose promises, claiming to possess the expertise and capabilities needed to effectively promote my campaign and connect me with potential supporters. They assured me of their dedication to our shared vision and the success of my senatorial bid. However, as the days turned into weeks and weeks into months, their assurances proved to be nothing more than empty words. \nDespite their assurances, there was no plan or action in progress to promote my campaign. Vital opportunities to reach a wider audience were lost as they failed to deliver on their marketing strategies, leaving me unable to effectively communicate my vision and objectives to potential voters. \nWhat added to my frustration was their lack of responsiveness. Attempting to get in touch with the company became an exercise in futility. Countless emails and phone calls went unanswered, and each time I managed to establish contact, they provided a litany of excuses. Among these, the COVID-19 pandemic was cited as the culprit for their inability to fulfill their contractual obligations. \nThough the pandemic was an unprecedented global challenge, it should not have served as a convenient shield for fraudulent practices. While I empathize with the difficulties faced by businesses during those times, it can not excuse the betrayal of trust and the financial harm they caused me. \n4 Despite my continued efforts to reason with them, XXXX XXXX XXXX remained unmoved. They refused to provide a satisfactory explanation for their failures or offer any recourse to remedy the situation. Requests for a refund were met with further evasions, leaving me in a vulnerable financial position after investing substantial resources into their deceptive services. \nThe impact of their deceptive actions reverberated far beyond financial loss. The breach of trust has cast a shadow over my campaign, tarnishing the image I sought to project as a trustworthy and transparent candidate. The damage to my reputation and the lost opportunities to connect with voters have left me deeply disillusioned and questioning the fairness of the electoral process. \nAs I reflect on this experience, it becomes clear that the path to public service is fraught with challenges. The ordeal with XXXX XXXX XXXX serves as a stark reminder of the importance of due diligence when engaging with external entities. It also highlights the need for increased scrutiny of companies offering promotional services to political candidates. \nMy hope is that this account will shed light on the dangers of fraudulent practices in the electoral landscape, prompting lawmakers and regulatory bodies to take the necessary steps to protect aspiring candidates from unscrupulous actors. As I navigate the aftermath of this betrayal, I vow to continue my pursuit of serving the people with integrity and dedication, regardless of the obstacles that may lie ahead. \nDesired Outcome I am reaching out to discuss several critical matters concerning the fraudulent activity that has occurred on my Wells Fargo bank account. \n1. I expect Wells Fargo Bank to acknowledge their involvement in the recent fraudulent activity on my bank account and accept full responsibility for the transactions.\n\n2. The bank should immediately initiate a thorough investigation into the fraudulent transactions to determine how their security measures failed, leading to the successful execution of the fraud.\n\n5 3. It is imperative that I emphasize the involvement of Wells Fargo Bank in these fraudulent transactions. They were the ones who authorized and executed these transactions, making them directly responsible for the fraudulent activity. The Financial Ombudsman Service ( FOS ) has explicitly stated that banks and financial institutions must consider the evolving and sophisticated nature of fraud and should no longer refuse refunds in such circumstances. \n4. In line with the Financial Ombudsman Service 's guidelines, Wells Fargo Bank should refrain from labeling me as \" grossly negligent '' and recognize that I, as a victim, should not bear the burden of the fraudulent activity. \n5. I find it both criminal and unjustifiable that Wells Fargo Bank is evading their responsibility and placing the blame on me, their client, who has placed complete trust in their financial institution to safeguard my life savings. Their actions demonstrate a lack of professionalism, disregard for regulations, and a substandard approach to customer protection. Such behavior contradicts the very purpose for which financial institutions were established.\n\n6. I am utterly perplexed by the resistance shown by Wells Fargo Bank to providing me with a refund for the funds that were wrongfully taken by these scammers. When I authorized the payments, I had no knowledge of the fraudulent nature of the companies involved, and it was only after the fact that I uncovered the truth. I strongly urge Wells Fargo Bank to take full responsibility for the situation and take proactive steps to recover my stolen funds. It is crucial to consider that the fraudulent company not only failed to provide any services but also intentionally misrepresented themselves to deceive me. \n7. I urge the bank to prioritize customer protection and demonstrate professionalism in handling such cases to prevent innocent and inexperienced clients from falling victim to similar fraudulent schemes in the future. \n6 8. The bank should communicate clearly and transparently with me throughout the resolution process, providing updates on the investigation and refund status. \nI request the recovery of my funds under code fraud or code misrepresentation According to XXXX and XXXX XXXX Rules No. XXXX XXXX, it is mandatory to conduct a physical inspection of the listed premises of a business before allowing them to accept payments. It is imperative that both banks adhere to this rule and acknowledge their role in the fraudulent transactions. \nUnbeknownst transfer of funds : The funds were transferred to XXXX XXXX XXXX XXXX. company that deceitfully presented itself as a legitimate entity offering social promotional and legal campaign services. They falsely claimed to generate profits for their clients, but in reality, they never provided any such services. Their objective was to unlawfully extract money from unsuspecting individuals. \nFake documentation : XXXX XXXX XXXX XXXX. The company went to great lengths to create fabricated documents that portrayed them as legitimate. These documents were used to deceive me and others into believing in their credibility and entrusting them with our funds. In truth, they had no intention of providing any services and solely aimed to defraud people and seize their money. \nLack of received services : Despite depositing funds with the expectation of receiving the promised service, this company abruptly gave a lot of different unjustified reasons, blocked my account, and vanished without providing any of the services they claimed to offer. This left me in a state of shock and financial distress, as the funds I entrusted to them were never returned. \nDeception : I was deceived into depositing funds under the false pretense that they would generate substantial profits. However, the promises made by the scammers turned out to be empty lies. Not only were the profits never realized, 7 but my money was also misappropriated, and I have not received any form of reimbursement as they had claimed. \nIn summary, I did not receive any of the promised services from XXXX XXXX XXXX. On the contrary, their actions exacerbated my situation, leading to further financial losses and significant harm to my overall financial well-being. \nDescription of Services Actually Received The XXXX XXXX XXXX company deliberately misrepresented themselves by falsely advertising their services in campaigns and services. They assured me that I would receive services by following their instructions and engaging in various transactions. However, these promises were nothing more than deceptive tactics employed to deceive and extract money from me. In reality, the services they claimed to provide were nonexistent. The scammers lacked the competence and ability to fulfill their promises of quality and expertise. It is evident that their intentions were to intentionally mislead me and exploit my trust for their own financial gain. \nI would like to bring to your attention the disappointing reaction to Wells Fargo Bank for not responding to this case that XXXX XXXX XXXX was a fraudulent and illegitimate company. I tried to reach out to them many times, but Their failure to address the issue and take steps to resolve it suggests potential complicity in the crime. \nI strongly believe that this situation presents an opportunity for Wells Fargo Bank to assist Not only me as their customer but also other individuals who may become victims of fraudulent companies like XXXX XXXX XXXX. It is imperative for a bank to fulfill their duty of protecting their customers and promptly rectifying such situations. I urge them to take this matter seriously and provide the necessary support to resolve the issue effectively. \nConfirmation of Fraud : I kindly ask Wells Fargo Bank to acknowledge that I have indeed fallen victim to fraud perpetrated by the scammers known as XXXX XXXX XXXX. \nImmediate Recovery : As my bank, I expect Wells Fargo Bank to initiate an immediate investigation into my case. I request that the bank thoroughly XXXX examine all companies and banks involved in the fraudulent activity. I urge them to make every effort to recover the full amount of {$73000.00} that was wrongfully taken from me. \nReimbursement : If it is not feasible to retrieve the funds, I expect Wells Fargo Bank to provide reimbursement for the reasons mentioned. As my bank, I believe it is their responsibility to act in my best interest and rectify the financial losses I have suffered due to their involvement in the fraudulent transaction Database Update : I strongly urge Wells Fargo Bank to update their databases and implement stronger measures to prevent similar fraudulent cases from occurring in the future. This step is crucial to safeguarding other innocent customers from falling victim to scams and ensuring the security of their life savings. \nI urge the Consumer Financial Protection Bureau to seek assistance from my Wells Fargo Bank to fully comprehend the seriousness of this situation, placing utmost importance on the well-being and protection of its customers. I implore the bank to take immediate action to rectify the injustice I have experienced. In light of the significant financial loss I have suffered due to the fraudulent activities of \" XXXX XXXX XXXX, '' I kindly request that the Consumer Financial Protection Bureau keep me thoroughly informed of the progress made in this matter. I expect regular updates on the efforts being undertaken to recover the wrongfully stolen amount of {$30000.00} USD. Your prompt attention to this critical matter is crucial. I sincerely hope that the Consumer Protection Bureau recognizes the urgency and takes swift action to investigate the fraudulent activities, identify the responsible parties, and work diligently towards a satisfactory resolution. \nPlease be assured that I am eagerly awaiting your timely response and an effective resolution to this distressing situation. Thank you for your immediate attention and cooperation in resolving this matter. \nYours sincerely, XXXXXXXX XXXX XXXX XXXXXXXX XXXX This is a copy of the letters I addressed to Wells Fargo Bank. \nXXXX XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX Reference : XXXX XXXX XXXX XXXX company To : Wells Fargo Bank This is a formal refund letters to Wells Fargo Bank Dear Sir/Madam , I am writing this formal letter to bring to your attention a serious matter involving fraudulent activities that I have encountered. As a licensed and registered financial entity, I expect that Wells Fargo adheres to the regulations, rules, and directives, and I believe it is crucial for you to be informed about the misconduct that has transpired under your platform 's umbrella. I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance that requires immediate investigation and your utmost attention. I have recently become a victim of fraudulent activities facilitated through your banking platform, which has resulted in significant financial loss and severe distress. \nIntroduction and Overview I am an individual who applied for a senatorial position in the U.S. Senate of the United States of America. In order to promote my campaign and reach a wider audience, I engaged the services of a promotion company named XXXX XXXX XXXX, with a contract signed on XX/XX/XXXX, until the XX/XX/XXXX, election date. Regrettably, this company has engaged in fraudulent practices that have not only caused financial harm but also violated ethical and legal standards. \nXXXX XXXX XXXX made various false promises and misrepresented their services during our engagement. They assured me of their capability to 10 effectively promote my campaign and connect me with potential supporters. However, despite their claims, the company has continuously made excuses, including citing the COVID-19 pandemic, for their lack of progress and non-responsiveness. \nXXXX XXXX Since I engaged XXXX XXXX XXXX from XX/XX/XXXX, until the XX/XX/XXXX, election date, I have neither witnessed any progress in promoting my campaign nor received any response from the company. This inconsiderate behavior and breach of trust have left me in a vulnerable position, unable to effectively communicate my vision to potential voters and fulfill my campaign objectives. \nAs a licensed and registered financial entity, I hold Wells Fargo to the highest standards of integrity, security, and accountability. It is deeply troubling to discover that fraudulent activities have taken place within your banking platform, enabling unscrupulous entities like XXXX XXXX XXXX to exploit unsuspecting individuals. \nI kindly request that Wells Fargo conduct a thorough investigation into this matter to identify the extent of the fraudulent activities facilitated through your platform. I urge you to take immediate action to rectify the situation, recover the funds that were unlawfully obtained, and prevent similar incidents from occurring in the future. \nFurthermore, I request that you keep me informed about the progress of your investigation and the steps taken to address this issue. I trust that Wells Fargo will demonstrate its commitment to customer security and satisfaction by promptly addressing this matter and providing appropriate compensation for the financial losses incurred. \nPlease treat this matter with the urgency and seriousness it deserves. I anticipate a swift resolution and the restoration of justice. Should you require any additional information or documentation from me, please do not hesitate to contact me at the provided phone number or email address. \nI kindly request that you keep me well informed of the progress made in the investigation and recovery efforts. Transparent and regular communication will not only provide me with peace of mind but also demonstrate your dedication to resolving this matter effectively. \nXXXX XXXX Due to the law I expect Wells Fargo Bank, my trusted financial institution, to assist me in recovering my funds from the fraudulent company, XXXX XXXX XXXX. This company has failed to provide any service and has taken advantage of the situation. \nFraud : The XXXX XXXX XXXX. a company engaging in deceptive practices, making false representations, or intentionally misleading individuals for personal or financial gain may constitute fraud. Laws regarding fraud can vary depending on the jurisdiction. \nMisrepresentation : XXXX XXXX XXXX made false promises, misrepresented their services, or provided misleading information to induce you into engaging their services, they may have violated laws related to misrepresentation or false advertising. \nBreach of Contract : There was a written agreement between with XXXX XXXX XXXX that outlined the services they would provide, their failure to fulfill those obligations is considered a breach of contract. \nUnfair Competition : XXXX XXXX XXXX engaged in unfair business practices that gave them an unfair advantage over competitors or harmed other individuals or businesses, they violated laws related to unfair competition. \nGoods or Services Not Provided : I as the cardholder participated in the transaction, but I did not receive the goods or services because the merchant XXXX  was unwilling or unable to provide the goods or services. As stated by the card companies regulations, the client has not received the services paid for from the company. \nCase summary and allegations : Fraudulent companies have been hired to manage campaigns and provide services as campaign personnel. However, these companies did not provide any services and instead engaged in fraudulent activities that led to financial XXXX and XXXX damage. These include the following allegations that this fraudulent company and practice criminal activities : 1. The Company did not give the risk disclosure prior to my deposits.\n\n2. The Company intentionally committed fraudulent misrepresentation and falsified its agent names, credentials, competencies, qualifications, and location. \nXXXX. The Company offered good services/advice was not presented. \nXXXX. The company was directly involved with my identity theft. Instead, the Companys staff and its accomplices pocketed the money for personal use. \nXXXX. To add insult to injury, various unethical techniques were used and aimed at influencing the clients ( mine included ) system of values, principles, beliefs, emotions, motives, reasoning, and behavior. These include inter alia, passive aggression ( e.g., they made me feel XXXX unjustifiably guilty for my losses ), intimidation, demoralization, diversion, evasion, and mistruths, all of which were used to con me into obeying them, thus losing more money. Deliberately brushing me off by actively ignoring my requests, calls, and e-mails right after they realized they could no longer embezzle my funds. \nI eagerly await your response and the actions you will take to address this distressing situation. I expect an acknowledgment of my complaint and a response within 10 business days from Wells Fargo bank in accordance with the appropriate time frame as mentioned in your Complaint Policy. If you require any additional transaction details or documentation to process my claim, please inform me promptly so that I can provide them to you. Your prompt attention and cooperation in this matter are greatly appreciated. \nThank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. \nXXXX Sincerely, XXXX Please see all attached documents below attachments","date_sent_to_company":"2023-08-07T19:11:11.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92395","tags":null,"has_narrative":true,"complaint_id":"7364149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-07T18:42:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Fake</em> documentation : XXXX XXXX XXXX XXXX. The company went to great lengths to create fabricated <em>documents</em> that portrayed them as legitimate. These <em>documents</em> were used to deceive me and others into believing in their credibility and entrusting them with our funds. In truth, they had no intention of providing any services and solely aimed to defraud people and seize their money."]},"sort":[4.1333003,"7364149"]},{"_index":"complaint-public-v1","_id":"5661757","_score":3.4555824,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is a complaint in accordance with the Securities Exchange Commission ( SEC ), Federal Trade Commission and other Financial Service Industry and Regulations. \n\nWhen anyone is conducting any business in dealing with exchanging and transferring funds across United States Terrorities and Foregin Terrorities they are supposed to be licensed in currency trading and should be able to produce such license to anyone upon request at a moment notice. They too should have Errors and Ommission Insurance in place as well as other Property and Casualty Insurance such as Professional Liablity Insurance in place.\n\nIn nature to this detail complaint I am submitting before the Security Exchange Commission ( SEC ), Federal Trade Commission and Consumer Financial Protection Bureau I am submitting this complaint in good faith that everything in it and everything apart of it is legal, accurate, true and correct and should immeidate warrant an order filed and served upon Coinbase.com to produce their records requested and to order to Cease and Desist Operation until validation of paperwork, licenses and return of unauthorized funds are returned back to my XXXX XXXX  XXXX, XXXX. account which Coinbase.com pulled without my authorization or consent to withdraw after serveral notices were attempted to cease and cancel any tranaction that they were responsible and liable for generating after my attempt to notify Coinbase.com of illegal events and activities that were going on using their platform. \n\nIn nature to my complaint to Coinbase.com I too advised Coinbase.com to immediately contact the Federal Bureau of Investigation ( FBI ) at https : //complaint.ic3.gov/default.aspx #. If Coinbase.com failed to do so that should tell everyone that they did not want to and they fully was aware of the illegal event and activities. The date and time and the IP address that registered in the system does not lie now Coinbase.com must come forward and show up and show that both IP addresses in question are my IP addresses and must show that I never made any attempt to contact Coinbase.com or XXXX  XXXX XXXX, XXXX in nature to the fraudlent event or activities. \n\nI turned over to Coinbase.com the perso name that represented Coinbase.com and assisted me in setting up such Coinbase 's account. \n\nNow further read the detail Notice of Intent to file a law suit against Coinbase.com if this matter is not rectified and settled within the timeframe this complaint is filed before the government agencies listed in the complaint. \n\n_____________________________________________________ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Coinbase.com Attn : Legal Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Notice Intent to Sue Letter Dear Coinbase.com Owner : This notice is a written communication before the Consumer Financial Protection Bureau and the Federal Trade Commission on the illegal events and activities that has been discussed and brought before everyone in regarding the fraudulent activities that has taken place over your site or server. \n\nI have written to you already on numerous times in regard to immediately returning my {$10000.00} that was sent to your site after my notification to you not to pull from my Bank Account with XXXX XXXX  XXXX, XXXX. after suspecting criminal activity. \n\nIt has now been noted and brought to your attention in all the right and proper ways and I too validated on the records in your statement that such transaction was unauthorized or not authorized. \n\nBy your record you have a suspicious IP address that you know that is not my IP address and at that moment you should have immediately shut down the account and any transfer activities as I timely notified you of this in a timely manner. \n\nWhile filing this Consumer Financial Protection Bureau Complaint. I have requested that you produce and provide the following since you mentioned subpoena or getting a subpoena to get you to return whatever paperwork, records or funds from this event or matter. I have requested from you to turn over all legit financial service records such as licenses to operate in any money service business as well as your errors and omission insurance records. I am also requesting your corporate attorneys name address and phone number so that legal paperwork can be served to such agent of record address since you wish and failed to honor your own disclosure statement or record for the definition of fraud is clearly evident here. \n\nFor your statement of the record does not match up with XXXX XXXX or XXXX XXXX your employees statements or records. For how such person can know so much about your business and for you to say on the record that I purchased some cryptocurrency when I have never purchased or invested in cryptocurrency. This along is FRAUD and should be immediately looked at and into by the Consumer Financial Protection Bureau, Federal Trade Commission, and a Circuit Court for XXXX XXXX in the State of Illinois. \n\nI have too requested that you immediately notify the Federal Bureau of Investigation ( FBI ) and file a IC3 complaint by now you should have filed such complaint and too should have such paperwork under Title 18, of the United States Code, Section 1001. You too should surrender such paperwork and surrender all the paperwork that you should have brought under your response to the Consumer Financial Protection Bureau Complaint as well as the attached Certification of Record that were sent to you by the Consumer Financial Protection Bureau. \n\nI am open and willing to consent to a JURY TRIAL since you mention subpoena to get information that I should not need a subpoena at this moment until you openly agree to a JURY TRIAL. \n\nThis complaint is not the same as the complaint before, but it is a legit record showing my legal rights to attempt to reach you and to notify you through another government agency to attempt to get this matter resolved before having to take you into any court to enforce return of my funds in the amount of {$10000.00} that you are not entitled to. \n\nYou disclosure talks about money laundering which you and your business is assisting in money laundering for there is not evidence showing that your business is not set up and established to prevent money laundering for if such is not correct then you too should know to whom these funds were transferred from my account to whoever account and where such funds were transferred through and from your system, you will have the full name of the person, address, phone number, and email address, etc. just like you have my name on file and in your system. \n\nCoinbase came to the Consumer financial Protection Bureau with a scam response and did not provide anything from the PROPER RECORDS that I uploaded on Consumer Financial Protection Bureaus site. ( See complaint file that is not the same but if such is the same then where are the records that you should be producing with your answer or response? ) Coinbase have came here and made two key comments to justify the immediate return of my {$10000.00} back to my XXXX XXXX XXXXXXXX, XXXX. Account. \n\nI asked Coinbase.com to produce their legal counsel of records and physical address to be professionally and legally served. As of this date Coinbase.com has not produce or provided anything but a bogus statement to mislead others. \n\nIf I file a report or complaint of a Fraud or Scam, then the respondent should be responding back with certified proof evidence that such is not FRAUD or a Scam. \n\nCareful review the terms and definitions below on what is FRAUD and also understanding by the key definition below what is the definition of money laundering : wrongful or criminal deception intended to result in financial or personal gain. \n\" he was convicted of fraud '' Similar : Fraudulence, sharp practice, cheating, swindling, trickery, artifice, deceit, deception, double-dealing, duplicity, treachery, chicanery, skulduggery, imposture, embezzlement, monkey business, funny business Crookedness, hanky-panky, shenanigans, flimflam, jiggery-pokery, monkeyshines, management, knavery, trick, cheat, hoax, subterfuge, stratagem, wile, ruse, swindle, racket, scam, con, con trick, rip-off, leg-pull, sting, gyp, kite, diddle, fiddle, swizzle, bunco, boondoggle, hustle, grift, rort a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities. \n\" mediums exposed as tricksters and frauds '' Similar : Impostor, fake, sham, pretender, hoodwinker, masquerader, charlatan, quack, mountebank, swindler, fraudster, racketeer, cheat Money Laundering is as follows : XXXX the concealment of the origins of illegally obtained money, typically by means of transfers involving foreign banks or legitimate businesses. \n\" he was convicted of money laundering and tax evasion '' In accordance with the Federal Bureau of Investigation : The Money Laundering Control Act of 1986 ( Public Law 99-570 ) is a United States Act of Congress that made money laundering, a federal crime. It was passed in 1986. It consists of two sections, 18 U.S.C. 1956 and 18 U.S.C. 1957. It for the first time in the United States criminalized money laundering. Section 1956 prohibits individuals from engaging in a financial transaction with proceeds that were generated from certain specific crimes, known as \" specified unlawful activities '' ( SUAs ). Additionally, the law requires that an individual specifically intend in making the transaction to conceal the source, ownership or control of the funds. There is no minimum threshold of money, nor is there the requirement that the transaction succeed in actually disguising the money. Moreover, a \" financial transaction '' has been broadly defined, and need not involve a financial institution, or even a business. Merely passing money from one person to another, so long as it is done with the intent to disguise the source, ownership, location or control of the money, has been deemed a financial transaction under the law. Section 1957 prohibits spending in excess of {$10000.00} derived from an SUA, regardless of whether the individual wishes to disguise it. This carries a lesser penalty than money laundering, and unlike the money laundering statute, requires that the money pass through a financial institution. [ 1 ] [ 2 ] Now, I need a consent to a JURY TRIAL document turned over to me so that we can get this matter or issue before a JURY TRIAL for that {$10000.00} that you unauthorized pulled from my XXXX  XXXX XXXX, XXXX. is still my funds in which you have failed to honor the respect of the banking industry or financial service industry to return such funds back to the rightful owner which is me ( XXXX XXXX ). \nSincerely, XXXX XXXX Fraud Victim Enclosures : Records Certification Notice CC : Federal Trade Commission XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Securities Exchange Commission XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX _______________________________________________________ This is not a duplicate complaint but a complaint to validate our records of facts that this financial service merchant does not follow or abbey by his or her own business policies. \n\nWe need all the official records as noted in the complaint that is sent to the Merchant called Coinbase.com fully read the information below : If we suspect the transaction involves ( or has a high risk of involvement in ) money laundering, terrorist financing, fraud, or any other type of financial crime ; in response to a subpoena, court order, or other government order ; if we reasonably suspect that the transaction is erroneous ; or if Coinbase suspects the transaction relates to Prohibited Use or a Prohibited Business as set forth below. In such instances, Coinbase will reverse the transaction and we are under no obligation to allow you to reinstate a purchase or sale order at the same price or on the same terms as the canceled transaction. To Whom This May Concern : Coinbase has not produced anything to validate its statements or claims but wishes to continue to filibuster this public complaint before the Consumer Financial Protection Bureau. Coinbase still has not produced such a legal license or certification as I have a right to see and have for my records. Coinbase makes such claim that I purchase some cryptocurrencies produce the receipt of purchase where I made such purchase. Coinbase refused and danced around to the issues of the IP Address in question and in issues. Coinbase refused to submit any documentation of proof showing that such representative did not or does not work with Coinbase.com. If such a person does not work with Coinbase.com or has never been affiliated with Coinbase.com then this is an official and legal matter of FRAUD. When Coinbase.com has to come into a court of law to prove. If such is FRAUD then Coinbase.com is responsible for the funds that they had pulled from my checking account after telling them not to pull from my checking account. Coinbase should have a better system set up and established to prevent any unauthorized transaction from anyone 's account. Whatever method you have set in place you should know where the funds are going, and to which account such funds are going after having them fully verify themselves as a sender or a receiver. How can you have a business that is set up in accordance with the Federal Trade Commission ( FTC ) 's rules, regulations, policies, procedures, and applicable laws to prevent money laundering and you can explain to any law enforcement or any official or legal government agency where such funds are going and into who account such funds are going into. You are assisting in the illegal event and illegal activities because somewhere and somehow you received a payment in some form or another and I am not the person or party that you are going to think that I am just going to allow you to get away with this scam. This is a SCAM and Coinbase.com is a SCAM supporting business. When you noticed such an alert triggered Coinbase.com should have shut it down and locked the consumer account and pick up the phone and directly made such communication contact with the consumer. Coinbase.com needs to be shown to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Federal Bureau of Investigation that such were performed. If Coinbase.com can not show measures or attempts to prevent FRAUD or illegal sign-in detection then Coinbase.com is fully liable for these funds that are mysteriously missing or transmitted out of this account without my knowledge, approval, or consent. It is just that simple. Now since Coinbase.com mentioned court and legal actions such as a subpoena. But still does not open and legally consent to a jury trial if legal court action is to result from this. I want paperwork officially and legally sign in advance that you are consenting to a JURY TRAIL to prove your case that this is not FRAUD. I need a physical address and not some po box for you should know that no legal service can not be perfected upon a po box . If you're required to be my physical address from your service, then I too should be entitled to get your physical address for proper service. We don't want any issues or hang up in not something being done in accordance with a Sheriff Department legal service when such paperwork served must be under a sworn affidavit by someone able to serve such legal documents. What you have done is not my issue or mistake it is your issue or mistake for I don't purchase cryptocurrency and I am not interested in purchasing such and never have been interested in purchasing such. So let 's please get that corrected for the records. Once you claim and said that I participated in cryptocurrency you made an untruthful statement which is FRAUD. You have the paperwork from the Federal Bureau of Investigation telling you exactly what to do and it is very strange that even to this date, you have not attempted to do anything. As well, as I have to file an IC3 Report then so should you for everything to equally match up in the Federal Bureau of Investigation 's database. The Consumer Financial Protection Bureau should know that I am correct and XXXX XXXX XXXX, XXXX. has proof that you carried out an unauthorized transaction and even it is printed in your communication of record that such as unauthorized but now you wish to try to claim that such was authorized and authorized by me which validate FRAUD. I encourage you to come clean and come correct for I have done everything that I was supposed to do from all legal aspects and to make people aware that this cryptocurrency claims, or business is an undercover scam and such should not exist or should have never been approved by whoever approved such. But you want to come into the Consumer Financial Protection Bureau and make such a claim that I am a cryptocurrency consumer when I am not. In closing, we need official and legal records from you showing that such date and time when such business was established and the legal corporation paperwork outlining what this kind of business is supposed to do for the people for which you are doing business. There is paperwork that should be to support my request. I need everything legal, accurate, and correct for law purposes and court purposes for we don't need any further issues or delays. You too should have Errors and Omissions Insurance in your records and a policy that covers and protect such occurrences as this one. Please produce such a policy agency that covers such and the policy number for the record. When you have two parties submitting conflicting statements, you have FRAUD, and such should be immediately reported to your law enforcement agency when this is a result of CYBER CRIMES or FINANCIAL SERVICE CRIMES. Now if I can do my part then COINBASE.COM should be able to do their part. I rest here and continue to wait for PROPER RECORDS that you should be producing to cause you to handle any funds of mine and to send out any funds of mine under my legal authorization and consent. PLEASE IMMEDIATELY TURN OVER YOUR RECORDS OF CERTIFICATION FOR THE RECORDS. COINBASE.COM has not produced anything to support its statements. XXXX XXXX Fraud Victim Securities Exchange Commission ( SEC ) Regulation Best Interest. \nUnder basic contract law, fraud in the formation of a contract renders the contract voidable by the innocent party at any time. Following this contract law principle, a merchant, buyer, or seller could declare a policy null and void if the person generating the transaction such under the terms and condition of coinbase.com in which such person lied in the act of performance or performing such illegal event or activities in his or her application for the process of generating any investment tool or engine, no matter when the merchant, business or agent discovered the lie. \n\nIn this case before the Consumer Financial Protection Bureau, Federal Trade Commission, and the Financial Securities Exchange Commission where Coinbase.com should have proof of certification of operating a money trading business or platform as well as should have proof of certification of licenses in place and such should be ready and made available to everyone via the internet to valid their business in trading and such cryptocurrency. [ By the way, I dont know what cryptocurrency is and know nothing about it, so why would I purchase such? ] You need to return my funds in amount of {$10000.00} for such transaction or act performed by such business personnel is fraudulent. \n\nA person by the name XXXX XXXX XXXX XXXX XXXX represented herself as a Coinbase.com employee or staff and is very knowledgeable with Coinbase.coms platform. If such is not true then the first paragraph in this notice before Coinbase.com, Consumer Financial Protection Bureau, The Federal Trade Commission and the Security Exchange Commission is true that this activity that was transmitted and transpired on Coinbase.coms platform is FRAUD. \n\nIn the online records before the Consumer Financial Protection Bureau coinbase.com has admitted that such event or activity was not authorized therefore placing the word as UNAUTHORIZED meaning that Coinbase.com nor such employee of Coinbase.com did not have the authorization and consent to funnel with and tamper with the account that is set up in my name under Coinbase.com and XXXX XXXXXXXX XXXX, XXXX. and therefore, the funds should have been immediately returned for if you clearly read the disclosure printed up and generated by Coinbase.com as their defense, it does not match up and does not validate or justify why such funds have not been returned back to my XXXX XXXXXXXX XXXX, XXXX. account. \n\nAs we submit this to everyone as well as Coinbase.com the definition of FRAUD is clearly stated and explained below. \n\nCoinbase.com knows where the funds are and knows where the funds went and knows how to timely and effectively recover the funds and knows how to report an illegal or criminal activity or event to the local law enforcement authorities. \n\nBy now Coinbase.com should have a police report and too should have an IC3 report from the Federal Bureau of Investigation to show proof that such is not money laundering or FRAUD or a scam. \n\nI have attached a record for record certification where coinbase.com should be open and willing to produce certified records to support its business operation online as well as produce license, and E & O Omission Insurance Policy that his business should have under the property and casualty insurance to protect itself and his employees from liability. \nIn a pervious noted comment by coinbase.com representative, coinbase.com mention subpoena in order for anyone to get a subpoena they need to have a civil action performed against a party such as coinbase.com. Since such was mentioned and noted then coinbase.com should be open and willing to sign a consent form for a jury trial and not for such illegal or criminal event or activities that has transpired on coinbase.coms platform should not be heard by a magistrate judge or a circuit court judge, but a jury panel in which coinbase.com should be able to enter such business defense before a jury. \n\nI am consenting to a jury trial in this complaint in which the Consumer Financial Protection Bureau should be serving upon Coinbase.com for an answer, and response in nature to crediting back my account and transferring my funds back to XXXX XXXX XXXX, XXXX. \n\nEverything that has been mentioned here will be used and mentioned in any court of law and before a jury. [ END ]","date_sent_to_company":"2022-06-12T05:40:58.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"60657","tags":null,"has_narrative":true,"complaint_id":"5661757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-06-12T04:58:07.000Z","state":"IL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["You have the paperwork from the Federal Bureau of <em>Investigation</em> telling you exactly what to do and it is very strange that even to this date, you have not attempted to do anything. 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