{"took":282,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":61,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14076582","_score":17.50592,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting another complaint that should be final I keep complaining I don't know why nothing is being resolved in the sense of matter because all my information is given and the company keeps giving me false information something they provided was all false information nothing on the information that was given to me was correct all made up because I requested information that was very important and I had proof of all this already from before and it was all made up and given to me when in fact it never existed and it was just created so now I am finally I hope this is the last complaint and it's pretty hard to do all this already and quite exhausting of providing all this information and not getting help from this company so now I finally got some information that should prove all the transactions were all unauthorized and money was stolen from me and here I am giving the final information that could could give me my money back already and I would like to get it back and not keep complaining all the time and sending in these reports because these are just exhausting already telling someone that this is not right and they're lying now or they keep going backwards and in circles it seems like the company is not helping in fact making the situation even worse I think so the outcome was they didn't investigation was all false and I have proof for that and now I'm complaining again by your system I knew that this is going to be a headache and headache all over but okay it just seems the company does not want to give back my money driving me insane and I hope this is a final complaint then someone can escalate this to people that are not dealing with at the moment but let them hear that an investigation was done before in 2021 I had money refunded but nobody looked into back dates and I am looking into the back dates and I would like to get the rest of the money that was stolen for me refunded so here I am providing two accounts statements that show proof that this was done and I was refunded already and that has to be reopened very easily on my what I think should be easy and for people to see that this was already done and look into the back dates of the transactions thank you","date_sent_to_company":"2025-06-15T05:17:14.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"11235","tags":null,"has_narrative":true,"complaint_id":"14076582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-06-15T05:09:47.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["all the time and sending in these reports because these are just exhausting already telling someone that this is not right and they're lying now or they keep going backwards and in circles it seems like the company is not helping in fact making the situation even worse I think so the outcome was they didn't <em>investigation</em> was all <em>false</em> and I <em>have</em> <em>proof</em> for that and now I'm <em>complaining</em> <em>again</em> by <em>your</em> system I knew that this is going to be a headache and headache all over but okay it just seems the"]},"sort":[17.50592,"14076582"]},{"_index":"complaint-public-v1","_id":"1630608","_score":16.299597,"_source":{"product":"Credit reporting","complaint_what_happened":"I am sending another complain because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 6o days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. \n\nTransunion is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. \n1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with Transunion and properly verify this misinformation immediately. \n2. XXXX is the SAME. For some reason they are reporting the account as PAST DUE and it has NEVER been late. I would like a full investigation with the help of the CFPB in order to validate and verify all information legally and properly. \n3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. \n4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! \n\n*************************************************************************************I will say this again and again. I will not take ANOTHER generic response as a form of validation of my disputes. You are clearly IGNORING me and have messed with the wrong consumer Transunion. I hope the CFPB can see you for who you are, a fake company in the pockets of ally of these companies who pay you hundreds and thousands of dollars a month to ruin peoples lives! Correct these XXXX items immediately, I will not stand for your lack of proof, investigation and evidence. That is not a proper reinvestigation BY ANY TERMS!","date_sent_to_company":"2015-10-29T18:58:06.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"91605","tags":null,"has_narrative":true,"complaint_id":"1630608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-10-29T18:58:05.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Investigation took too long"},"highlight":{"complaint_what_happened":["I am sending another <em>complain</em> because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I <em>have</em> been waiting more than 6o days, I <em>have</em> sent a second complaint and I <em>have</em> disputed this companies response and yet I still do not <em>have</em> a proper resolution to some incorrect reporting on my credit report. \n\nTransunion is reporting <em>false</em> negative items to my credit report damaging my creditability with all of my financial institutions."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["<em>Investigation</em> took too long"]},"sort":[16.299597,"1630608"]},{"_index":"complaint-public-v1","_id":"2753190","_score":14.196527,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Ok, about 10 days ago, I complained to XXXX about how a rep of theirs on Sunday XX/XX/XXXX told me the Interest charge for XX/XX/XXXX would be removed and it would reflect in my account within 24-48 hours.  As of today, this still has not occurred.  Add in the fact that 3 separate reps told me this was under investigation.  Then today, I checked AGAIN, as nothing has occurred, and I was transfered to a manager.  In our chat, this was the response I got (From a cut and paste by me)  \"XXXX - Supervisor: Thank you for your patience. I have reviewed all notes on the account and several responses were already made as well, which were mailed to you regarding your request. I don't want to provide any false expectations regarding your concern. We have yet to see any proof of the possible error made and/or promised to you on this account, thus, no credits had been applied for the interest charge waivers you requested. There's also no notes of an escalation, I'm sorry.\"  THIS IS WRONG!  Why can't they get their notes straight?  Not only was I promised this XX/XX/XXXX interest charge, I was also promised another $XXXX for the XX/XX/XXXX interest?   Now I get this line over and over?  I also got this response from the email online message system on XX/XX/XXXX-XX/XX/XXXX XXXXSynchrony BankXXXX XXXX Credit Card Billing InquiriesThank you for your recent inquiry regarding your XXXX account, and the opportunity to be of service to you. Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days. We appreciate you as a valued XXXX customer and hope you will continue to shop with us.  If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. Sincerely,  XXXX XXXXCustomer ServiceXXXX","date_sent_to_company":"2017-12-12T22:46:50.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"14075","tags":null,"has_narrative":true,"complaint_id":"2753190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-12-12T22:35:12.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["In our chat, this was the response I got (From a cut and paste by me)  \"XXXX - Supervisor: Thank you for <em>your</em> patience. I <em>have</em> reviewed all notes on the account and several responses were already made as well, which were mailed to you regarding <em>your</em> request. I don't want to provide any <em>false</em> expectations regarding <em>your</em> concern."]},"sort":[14.196527,"2753190"]},{"_index":"complaint-public-v1","_id":"4970888","_score":13.021334,"_source":{"product":"Mortgage","complaint_what_happened":"Investigate Roundpoint mortgage servicer I have asked for modifications refinancing offered to pay double mortgage payments during 3 different mod attempts they sent back or refused payment then blamed me then apologized starting a modification while being told up front I was advised to ask them to apply arrears to the back of the loan and I insisted on all payments and monies applied to the loan to be applied to the principal and to acknowledge to credit companies the where being paid on time then requesting a covered forbearance in XXXX verbally and received 2 phone calls asking how I was doing and never receiving any paperwork then after asking for paperwork told I had to submit my application in writing after pointing out XXXXXXXX XXXX  requests to servicer 's and mortgages companies to help people with the covide forbearance I was told didn't apply to my account and loan then they were mailed the 3rd modifications payment on time in XXXX which I mailed through my postal service with tracking number they never called to ask me if I mailed the payment instead they continued to collect XXXX 's, XXXX 's payments and sent a letter in the end of XXXX then cashed XXXX 's money order sent back XXXX XXXX XXXX payments which I immediately sent them back again and after telling them of postal tracking number and information I was lead to believe that they were going to honor my modification and add monies to the back of the loan then this is when I applied for the federal covid forbearance in writing again didn't receive any response in writing or by phone I have continually pointed out there neglect and irresponsible people to help with any alternative repayment terms has lead me to continue to pay legal fees and file suit against them they continue to cash some money orders and send some back they continued to ask for letter of hardship then I was made an offer on the house and I asked for a payoff amount that they sent email that we could not open even after I sent them the written offer and again requesting payoff amount never received called and complained of money not being applied to the loan credit companies not being notified of on time payments and money that I sent to them not being applied to loan and being sent back false costs and penalties being applied through out covide then asking for XXXX XXXX refinancing again not answering my requests and concerns for their attempts to steal the equity from the property also putting pictures of my home on a foreclosure website having my phone home computer email bombarded with people 's attempts to steal my home after I complained about foreclosure website the removed the property for a short time and it is back up again my loan went from approximately XXXX to over XXXX and they have been paid since XXXX on time except for what they have sent back they were implying the modifications were in the works while advertising the house on foreclosure website then I asked for the law that said that I was not eligible for any assistance with any government programs and the covide forbearance again I am still waiting for legal proof of being in eligible and there misleading modification attempts was only playing with the time for them to continue to force me to pay them with out applying mortgage payments to the loan as originally requested and I have continued to ask please I am not the only person to have this problem with these two companies also I was never told that the loan was sold originally to XXXX  or I would have changed it then thanks for your help with this please have someone look into this I am having someone contact XXXX  FHA in XXXX I have personally tried to contact XXXX XXXX XXXX  of Roundpoint  and he has not responded to date thanks for your time and effort with this please let 's get the American people to respond to a new headquarters for Roundpoint with monies from the people 's Government","date_sent_to_company":"2021-12-03T09:26:42.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"4970888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RoundPoint Mortgage Servicing LLC","date_received":"2021-12-03T02:20:57.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["mortgage payments to the loan as originally requested and I <em>have</em> continued to ask please I am not the only person to <em>have</em> this problem with these two companies also I was never told that the loan was sold originally to XXXX  or I would <em>have</em> changed it then thanks for <em>your</em> help with this please <em>have</em> someone look into this I am <em>having</em> someone contact XXXX  FHA in XXXX I <em>have</em> personally tried to contact XXXX XXXX XXXX  of Roundpoint  and he has not responded to date thanks for <em>your</em> time and effort"]},"sort":[13.021334,"4970888"]},{"_index":"complaint-public-v1","_id":"3913876","_score":12.956011,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was falsely charged a total of {$900.00} plus the interest that is currently accruing. Below is the letter that I sent to Barclays for my XXXX   XXXX. The only way I can contact them to complain about an incorrect charge is to send in a snail mail letter. \n\nI sent in a letter the first time just circling my statement mischarges thinking that was enough for an investigation and a phone call to me. However, that claim was denied. And so I mailed in another letter and have now not heard back in over a month. When I called to check on my second letter I was hung up on or disconnected after waiting on hold for 30 mins. \n\nAlso, I have a XXXX credit rating and have no history of bad credit. \n\n2nd letter as follows : First of all, let me tell you that I am in despair over this and can not afford to lose {$1000.00}, in reality, losing this amount of money will affect whether or not I can travel to visit my family during the XXXX ( all because of an ATM glitch ). I am not someone who can afford to just not fight this. And I only travel with and use this card because it is supposed to protect me from situations like this. \n\nRecap : I am writing in a second attempt to dispute 2 charges that were incurred to me wrongly. \n\nI traveled to XXXX this XX/XX/XXXX XXXX and took my XXXX credit card into the XXXX XXXX  in XXXX XXXX, to make sure that I went to a legitimate bank with a legit ATM to withdraw pesos.. Precisely to make sure that I did not go to a sketchy ATM on the street or one that charged exorbitant fees. \n\nOn the XXXX of XXXX I put my card into the machine and entered my pin number. The machine read the card chip and I entered to make a withdrawal in pesos, which amounted to $ XXXXusd. \n\nThe machine displayed a spinning circle on the screen after it accepted my withdrawal and then said incomplete transaction, would you like to try again? I then entered my pin again and attempted to try again to make the withdrawal in pesos and the same thing happened. The ATM displayed an error message and I received NO pesos with either attempt. \n\nThis resulted in 2 charges to my AA credit card that I am disputing. \n\nI did not go to the XXXX XXXX  to complain because I figured this was just an incompatibility and I had no indication that I would actually be charged twice on this card if I didnt actually receive any money, of course. \n\nI do not have a receipt for the transaction ( s ) but I do know for a fact that I never received any money from a XXXX ATM in XXXX in XXXX of XXXX. \n\nMy assumption was that the ATM was out of money or there was another ATM issue causing me no receive the error message and to NOT receive the pesos requested and therefore I did not go to the XXXX XXXX to complain. \n\nMy XXXX statement clearly shows that on the same day, I received XXXX   from a XXXX ATM ( which was located across the street and I successfully used immediately following the 2 failed attempts with the Santander ATM ). \n\nMy initial request was denied citing that my chip was read by the XXXX XXXX  ATM. I am not denying that the ATM read my chip ; I am denying that Barclay released money to the XXXX ATM resulting in the failed attempt to receive money from the XXXX ATM. \n\n\nI am requesting for a second time that I receive a full refund for the following charges : 1. my first attempt to withdraw pesos- {$420.00} 2. my second attempt to withdraw pesos- {$420.00} 3. transaction fee associated with my first attempt to withdraw pesos- {$21.00} 4. transaction fee associated with my second attempt to withdraw pesos- {$21.00} 5. all interest accrued to my account for not paying these incorrect charges - {$14.00} My first dispute on this was denied, I am now including this receipt of proof of my experience. I did not understand this and would expect to see proof of your transaction with the XXXX XXXX  saying that they gave me the funds if this would be denied again. \n\n\nI expect this to be looked at more closely this time and expect a full refund for the above charges to rectify this situation. If I am to be denied again, I expect to see proof that shows that funds left Barclay and were received by XXXX XXXX  for the exact amounts described above on the dates in question. In that case, my case would need to be pursued with XXXX. \n\nI assure you that I am not taking these charges lightly and that I will pursue this case until it is solved fairly. I look forward to your response. Please dont hesitate to reach out to me if there is anything I can do to help clarify. My cell phone is XXXX and my email is XXXX. \n\nThank you, XXXX XXXX XXXX Barclay customer since XXXX ( I then attached the bank statements below this letter showing the mischarges )","date_sent_to_company":"2020-10-22T21:40:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"282XX","tags":null,"has_narrative":true,"complaint_id":"3913876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2020-10-22T20:09:35.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I did not understand this and would expect to see <em>proof</em> of <em>your</em> transaction with the XXXX XXXX  saying that they gave me the funds if this would be denied <em>again</em>. \n\n\nI expect this to be looked at more closely this time and expect a full refund for the above charges to rectify this situation. If I am to be denied <em>again</em>, I expect to see <em>proof</em> that shows that funds left Barclay and were received by XXXX XXXX  for the exact amounts described above on the dates in question."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[12.956011,"3913876"]},{"_index":"complaint-public-v1","_id":"13510529","_score":11.995733,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint is not a similar complaint but a new complaint against this same outrageous company, their ongoing misleading information being provided in past complaints in dealing with a former creditor, XXXX XXXX. Recently received response from this company in complaint # XXXX this company is making misleading claims as to representation on behalf of a past creditor of mine, XXXX XXXX and trying to collect on an alleged debt. This company has had three past complaints filed against them by me. One had to due with not knowing who they were and appeared on my credit report as a soft pull. In response to that complaint, this company explained their reasoning and relationship to such soft inquiry on my credit report. On second complaint, # XXXX filled on XX/XX/year> was directed to this company as to receiving a letter from them as to attempts of collection of an alleged debt on behalf of XXXX XXXX XXXX The response from this company was to point out this was my second complaint against them. Next was to distant themselves from XXXX XXXX complaint and their representation that somehow Im being misdirected is a misleading statement. In this same response, this company goes on to stretch their response with useless information of this account with XXXX XXXX but does not mention anything of customer assistance program, provided documents to such agreement or offer any evidence that what my agreement as to the customer assistance program I had with XXXX XXXX, the payment program and addressing the XXXX form is left out of their response. Also, in this same response, this company, as expected from such debt collection companies or junk fee buyers used words such as, XXXX XXXX instant complaint, and He believes as to this alleged account and its status is this companys assumption of what they believe is accurate and true but actually is false, misleading and inaccurate information. Their explanation of me not tendering all my payments is again, inaccurate, false and misleading information. There validation version of accuracy as to what again, they stated, is indeed that I owe to XXXX XXXX again is not accurate as the customer assistance program has provided a payment program, paying a certain amount back each month then after such, issuing a XXXX form of forgiveness of debt that would need to be reported on yearly tax return as earned income per tax laws. Since XXXX did not provide this XXXX form, they now are attempting to collect additional income/payments instead. This is causing this company, Zwicker & Associates to now, supposedly act as agents of XXXX XXXX to collect this alleged debt. Recently in a phone conversation with XXXX XXXX I was informed they do not have any control of this debt as it was written off/ charged off and sold. A recent new complaint again against this company, Zwicker & Associates as to there involvement, representation of XXXX as their attorneys trying to collect on this alleged debt is now in question and my be misleading information to such. This company also unethically, and as they have be doing in this dispute, continues to assumes or interpret my cease and desist, as something else such as because I sent a cease and desist demand, they assume Im asking for verification of this alleged debt and then sending me some monthly past statements which show no evidence of my complaint of the customer agreement between XXXX XXXX and myself. Its ridiculous and useless but just shows how this company is using its office to harass and intimidate me as to this alleged debt that they lack information as to the customer assistance agreement. They have not even provided proof of an agreement between XXXX XXXX this company even being legally allowed to contact me on XXXX banks behalf. \nLast, this company seems to complain and constantly complain about my rights as a consumer to use the CFPB, FTC and other government agencies to file claims of possible violations or abuse against them. Note to Zwicker & Associates, learn consumer protection laws before you try and gage or silence peoples rights and their freedoms to file such complaints and bring transparency to companies like yours who try to silence consumers complaints against your office This company also has a history of over XXXX complaints with the Better Business Bureau alone. Im filing this new complaint against XXXX XXXX XXXX for what I interpret as internationally and unethically in their past responses to sway the CFPB of my complaints about them by mentioning several times the amount of filings against then in each response. Its my consumer rights and the government agencies Im legally obliged to use to distribute, which seems to be misleading information on an alleged account and is balance is my rights as a consumer. This company, because they are a law firm seems to think that Federal and state laws dont apply to them and me as a consumer, should not be filling complaints that they want to appear as misleading or inaccurate, that as a consumer, we shouldnt question such accusations and just pay. This new complaint is being filed against this company for attempting to, what appears to be trying to persuade this government agency to dismiss my complaint and just ignore the consumers concerns of such alleged debt which is not owed. This account has been and is still in pending investigation dispute with the credit bureaus. This company, Zwicker & Associates are deliberately trying to allow what is an open and ongoing investigation and legitimate complaint to be investigated and is interfering with such investigations. This is alarming and illegal violation of due process by Zwicker & Associates to undermine and violate my consumer rights to dispute inaccuracy and unfair credit reporting.","date_sent_to_company":"2025-05-14T06:37:40.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"08094","tags":"Servicemember","has_narrative":true,"complaint_id":"13510529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZWICKER & ASSOCIATES","date_received":"2025-05-14T04:32:02.000Z","state":"NJ","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["They <em>have</em> not even provided <em>proof</em> of an agreement between XXXX XXXX this company even being legally allowed to contact me on XXXX banks behalf. \nLast, this company seems to <em>complain</em> and constantly <em>complain</em> about my rights as a consumer to use the CFPB, FTC and other government agencies to file claims of possible violations or abuse against them."]},"sort":[11.995733,"13510529"]},{"_index":"complaint-public-v1","_id":"4553755","_score":11.91527,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hi. Good MORNING, sir! my name is XXXX XXXX. My social security last 4 digits XXXX and My card number is XXXX .my address is XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX. I am one of Barclay 's credit card customers. it's really very shameful that I am complaining but I don't have any other choice. first of all, every credit card company has a protection policy for their clients. if you don't receive an item or some fraudulent transaction happened the company will protect their clients. anyway, long story short. a few months ago I bought a watch from XXXX and I strongly requested them during package delivery, the sign is mandatory, and also the seller agreed with my request but a problem arises when XXXX  without delivering the item they said they delivered and signed by XXXX. which completely false so I called XXXX  and ask them to provide me a digital copy of my signature. the XXXX  representative was saying that sorry, there is no significant image because the driver released the item by himself then I asked him why the driver lied on the proof of delivery paper that signed by XXXX ( me ). he has no right to leave my packets without signature where it was mandated. he said you can ask for a refund of your money from the seller and the seller should contact us for reimbursement also we will contact you later. ok. right away I sent an email to the seller that why didn't send my watch with a signature upon delivery but the seller responded that they didn't send the item without a signature. I was so upset. later I informed my credit card company that my item didn't deliver so hold this transaction. in the meantime, I informed the seller that XXXX  told me to call them for reimbursement because without delivery of the item they said they did also falsely calm signed by me. I also said I already let them know ( credit card company ). after that, I uploaded proof of all documents for dispute transactions. everything was normal. the seller said they contacted XXXX  and also wanted to know if I have any updates. I said no, and I said to them please don't waste your time apply for compensation. on XX/XX/2021 I have learned that Barclays card charged me XXXX dollars which were under investigation. I couldn't believe it so I called the service center at XXXX XXXX  at XXXX  and he said to me to dispute through the online. I did. I have attached every single correspondence here. a few days later I got a mail from my previous landlord, which was from Barclays. where it was mentioned that if you want to dispute this transaction, please respond within 10 days by fax or mail. I faxed before when I first contact customer service at midnight but I faxed again. after that I called to make sure that they got my fax but the representative said they didn't get it so I asked how it's possible I sent it on last night. she said no problem please check on Monday then I said the letter mentioned within 10 days and 8 days already passed. she said no problem. ok. I called them on Tuesday XX/XX/2021, the first one said one statement, and another one said another statement. if listen to 50 minutes recorded conversation then you would know what she said. I contact them again on XX/XX/2021, now she was saying a decision has been made on XXXX then I asked her, what? I didn't get any email or mail or secure message, she said no problem, I going to reopen this dispute again, and you will get a mail within 7 to 10 days also I asked if this happens like before again then what should I do. she said it won't be repeated. ok. again I called them yesterday ( XX/XX/2021 ) this time my case has been turned completely 180 degrees. she was saying the case is closed, I REPLIED wait a minute. I just spoke 2 days ago she opened the case and gave me the case number. cis XXXX now, what are you talking about? She said the case is closed and it can't be reopened again. I was thinking that perhaps this was my big mistake to be a Barclays cred card customer. why they are so much unorganized and unprofessional. no one knows what going on. this is really unbelievable that this sort of service is from a well-known company. My humble request to you please check my all documents. I hope this is enough evidence to prove that they never delivered my item and Barclays credit card company cant approve it. This is completely against the consumer rights policy. I would be most grateful if you would look into this matter as soon as possible. Thank you so much for your time. Have a wonderful day and weekend.","date_sent_to_company":"2021-08-03T16:13:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11207","tags":null,"has_narrative":true,"complaint_id":"4553755","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2021-07-18T06:34:17.000Z","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":["Thank you so much for <em>your</em> time. <em>Have</em> a wonderful day and weekend."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[11.91527,"4553755"]},{"_index":"complaint-public-v1","_id":"5076707","_score":11.0452795,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I filed a dispute with Chase XXXX about a purchase I made on XX/XX/XXXX with XXXX XXXX XXXX. We spoke for XXXX minutes and they advised me of the process and explained that they credit my account right away but they don't take action to obtain funds for merchant for 30 days while they investigate. \nI spoke with my merchant/vendor/contractor at XXXX XXXX XXXX and they advised me it was the window vendor 's fault that the sliding class door had not been ordered on XX/XX/XXXX it was the vendor and not the contactor XXXX XXXX XXXX, that was responsible for the error and delay. I spoke with my contractor who requested I cancel the dispute as the door was ordered on XX/XX/XXXX. \nOn XX/XX/XXXX Chase took the funds back from the merchant/contractor - 9 days after my dispute- despite being advised no action would be take for 30 days. I am attaching the screenshot from the contractor bank- which happens to be Chase the same bank that they XXXX card is through. You can clearly see through the transaction id # that the credit on XX/XX/XXXX and the debit on XX/XX/XXXX where the same VISA transaction from my VISA. \nOn XX/XX/XXXX I called the Chase Visa dispute line at XXXX and asked for information on what happens if I cancel a dispute - if I can file again and how long it takes for the merchant to then receive the credit back. I was told VERY clearly that the credit back to the contactor/merchant would take a \" few '' days AND if I ever needed to re-dispute I couldn't do it online but I could send it in and they could still file it and return my funds. Based on that information I elected to cancel the dispute as I was able to verify with the door vendor that the contractor actually placed the order for the door. \n2 weeks passed and the contractor informed me that they still had not received the credit back on their account and had NEVER even heard anything from XXXX or Chase. I called Chase XXXX dispute and asked what was going on as 2 weeks had passed and my account had again been charged the {$6200.00} and the contractor had still not been re-credited. They told me that I got misinformation - which they apologized for and that the credit takes 45 days to go back on the contractors account from the time the dispute was placed and it was set to go back on XX/XX/XXXX. \nXX/XX/XXXX comes and the contractor still does not have the credit back. I call Chase XXXX dispute and they tell me AGAIN that the last person gave me incorrect info and that the dispute doesn't have a certain number of days but that they did release the funds to the merchant/contractor on XX/XX/XXXX. They state that the contractor did reply to their request on if the claim was valid on that date and that was also the very same date they released the funds back the contractor. I advise Chase - contractor has never heard from CHASE and they still don't have their funds that are going into their Chase account. Chase XXXX tells me that it can take up to 45 days for the bank to credit back the account even though my visa is Chase and contractor 's account are Chase. I ask to speak to a supervisor and file a formal complain and they tell me at that time there is no-one really to complain too and I am out of luck. So I clarify and say so my account is charged XXXX and you can not provide me any proof the bank was credited and they say that is correct. So they will not provided me with any reference number for the contractor to call his bank- which is Chase - My XXXX and track the funds. I say this is ridiculous how can I just dispute again and get my credit and pay him a different way. Then they inform me that info they gave me is also incorrect - if I re-dispute I will not get my money back as they have released the funds back to him. Which they will not provide any proof or tracking information. At this point I am in tears and can't believe Chase could care less that I am just out XXXX and they are holding the money so I take a day break. I call back on XX/XX/XXXX and talk to a XXXX- she puts my fears at ease and says I am sorry they gave you the wrong info but the recredit back to your account comes 45 days after you cancel the dispute and not from the initial dispute. So wait until XX/XX/XXXX and the contractor should be credited and if not they can put in a back office request and track the money so the contractor can get it. Today I get a call from Chase XXXX and they tell me again the last person gave me wrong info and they will be coached but that the the 45 days is from when XXXX credited back the contractor bank which they say was XX/XX/XXXX. Remember the contractor bank is also Chase. And I now have to wait to XX/XX/XXXX for the funds to be credited and even if they aren't by then I have no recourse- I still paid Chase XXXX XXXX and they will not provide my tracking info AND if I write a dispute I still won't get my money back. \nSO here I am out XXXX and Chase wont provide my tracking info verifying the credit back or let me re-dispute and won't provide any proof they talked to the contactor. Who vehemently claims Chase has never contact them. Every Chase employee lied to me and misled me on the process and it is their fault I am out XXXX and the contactor doesn't have their monies. I really need help. This is fraud and negligence- Chase can not give false misleading information that consumers base their decisions on. I also deserve to get tracking on the refund.","date_sent_to_company":"2022-01-06T07:31:10.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"85233","tags":null,"has_narrative":true,"complaint_id":"5076707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-01-06T01:34:10.000Z","state":"AZ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I advise Chase - contractor has never heard from CHASE and they still don't <em>have</em> their funds that are going into their Chase account. Chase XXXX tells me that it can take up to 45 days for the bank to credit back the account even though my visa is Chase and contractor 's account are Chase. I ask to speak to a supervisor and file a formal <em>complain</em> and they tell me at that time there is no-one really to <em>complain</em> too and I am out of luck."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[11.0452795,"5076707"]},{"_index":"complaint-public-v1","_id":"12450178","_score":10.837077,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Urgent Request for Further Investigation Bank of America Claim # XXXXXXXX XXXX XXXX  XXXX XXXX Fraud Claim Dear Consumer Financial Protection Bureau XXXX This letter is a follow-up to our previous complaint regarding Bank of America 's fraudulent activity and our subsequent experiences with their dispute resolution process. We are writing to you again due to the unacceptable response we received from Bank of America in their letter dated XX/XX/year>, regarding our initial claim number XXXX. A copy of their letter is attached. We believe that Bank of America 's actions warrant further investigation by the CFPB, and possibly a criminal investigation into their business practices. \n\nTheir letter is not only inaccurate and misleading but demonstrates a blatant disregard for the facts and a deliberate attempt to evade responsibility for the fraudulent activity on the XXXX XXXX XXXX XXXX credit card. \n\nBank of America bases its denial on the false assertion that the card was used with a chip, PIN, or signature, implying authorized use. This claim is demonstrably false. The entire premise of our complaint is that we never received/used the credit card. How could we, or anyone we authorized, have used the card when it was never in our possession? This is the core of the fraud, and their response completely ignores this crucial fact. Bank of America is sending credit cards that are already ready to use, with a sticker stating : \" Your card is ready to use. You can now simply tap to pay whenever you see this symbol ( contactless payment symbol ). '' SEE ATTACHED THEIR CARD. \n\nFurthermore, their letter conveniently omits critical information that undermines their position : UPS Tracking Number XXXX : Bank of America provides this tracking number, yet fails to acknowledge that it proves the credit card was never delivered to XXXX XXXX XXXX  XXXX 's requested address. Instead, the XXXX tracking record clearly shows the delivery location as \" OTHER, '' meaning the card was not delivered to the intended recipient. This constitutes irrefutable evidence of Bank of America 's negligence in failing to ensure secure delivery. \nXXXX XXXX XXXX XXXX Bank of America asserts that \" the card must be present in order to be added to a digital wallet, '' a claim we find preposterous and unsubstantiated. We already explained to Bank of America 's representatives that their cards are sent ready to use, requiring no further action from the customer. We specifically complained about this during phone calls with their representative, questioning how they could send cards ready to use without requiring a call, PIN, or account verification before activation! Bank of America omits this critical detail. The latest phone call was more that 1 hour long and we spoke with XXXX XXXX ( if we got her info correct ) from North Carolina that might be higher up/supervisor as we requested to speak with supervisor. \nThe UPS delivery states that the card was NOT delivered to us by XXXX. Delivery location named OTHER! Feel free for anyone reading this letter to just insert tracking number into ups tracking system. We are attaching proof of that as well. \nWe are actively working with the Florida Attorney General. \nBank of America 's claim that they \" are unable to confirm '' our allegations regarding assurances made by their assisting agent is disingenuous. We maintain that we were given assurances, and the fact that they can not \" confirm '' them does not negate their occurrence. Moreover, whether or not those assurances were made, the objective facts of the casenamely, the undelivered card and the fraudulent chargesremain unchanged. \n\nIt is increasingly clear that Bank of America has no intention of conducting a legitimate investigation. Instead of investigating, they deliberately attempt to shift blame and evade responsibility. \n\nWe ask : Why Bank of America did not hire local police investigators and not checked security footage in moment of transaction from XXXX XXXX, shown it to all agencies involved in this case, and shown the face of the person making the purchase? We are waiting for them to do so. \n\nBank of America 's attempt to blame XXXX XXXX XXXX XXXX for this fraudulent activity is not only unfounded but borders on malicious. We are actively working with the Florida Attorney General 's office, and this letter, with its misrepresentations and omissions, will be presented as further evidence of Bank of America 's negligence, incompetence, and possible criminal activity.\n\nTherefore, we urge the CFPB to : Conduct a thorough and independent investigation into Bank of America 's practices regarding credit card issuance, fraud investigation, and dispute resolution. \nConsider the possibility of a criminal investigation into Bank of America 's handling of this and similar cases. \nCompel Bank of America to conduct a proper investigation into this specific case, including reviewing security camera footage from XXXX XXXX. \nRequire Bank of America to immediately remove the {$3000.00} fraudulent charge from the XXXX XXXX XXXX XXXX account. \nAsk Bank of America why they are sending credit cards ready to use. How they are going to deny this? \nWe reiterate our intention to pursue legal action against Bank of America for all damages resulting from their negligence and bad faith. We expect a prompt and decisive response to this letter, including an outline of the steps the CFPB will take to investigate this matter. \n\nWe are providing with this complaint : -example of replacement bank of america credit card which is ready to use as they state on card sticker -XXXX  tracking proof of delivery \" OTHER '' -latest letter from Bank of America where they are backing up their initial false claims. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-12T15:05:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33166","tags":null,"has_narrative":true,"complaint_id":"12450178","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-12T14:33:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Bank of America bases its denial on the <em>false</em> assertion that the card was used with a chip, PIN, or signature, implying authorized use. This claim is demonstrably <em>false</em>. The entire premise of our complaint is that we never received/used the credit card. How could we, or anyone we authorized, <em>have</em> used the card when it was never in our possession? This is the core of the fraud, and their response completely ignores this crucial fact."],"issue":["Problem with a purchase shown on <em>your</em> statement"]},"sort":[10.837077,"12450178"]},{"_index":"complaint-public-v1","_id":"3476729","_score":10.510924,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  XXXX  nor transunion did not investigate the documents given to them by online collection these documents were fake and they were not verified by none of the. credit bureaus I want to file a complaint To : CFPB Trans UnionXXXX, XXXX  To : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX, NC XXXX. THIS COMPANY IS A FRAUD THEY FRAUDULENTLY CREATED DOCUMENTS FROM AN ACCOUNT THAT HAS NOTHING TO DO WITH THEIR ASSUMED CLAIM THEY HAD TO CLAIM PROOF VALIDITY OR ANYTHING NOW THEY FOUND A NEW ACCOUNT AND COPIED AND PASTED NEW ACCOUNT INFORMATION AND NEW DATA FROM AN ACCOUNT. \nI ASK THAT THE CREDIT BUREAUS INVESTIGATE THIS XXXX XXXX XXXX XXXX STOLE AN ACCOUNT # from A Current account To : Attorney General XXXX XXXX XXXX of the Attorney General XXXX XXXX XXXX XXXX, XXXX  XXXX Complained Filed XX/XX/XXXX Dear XXXX XXXX, Thank you for submitting your request and information to Office of the Attorney General Our office reviews each complaint carefully to determine whether we can assist in resolving the matter. \nWe may refer your inquiry to another agency when appropriate. Since our office receives a high volume of inquiries, please allow sufficient time for review of your matter. You will receive follow-up communication about your inquiry in a subsequent email. \n\nThank You, Office of the Attorney General XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX To : All Consumers to aware of the trickery the collection agency does. \n\nThis collection agency name XXXX XXXX has taken a bill from XXXX in which has already been paid they have deposited this collection account in my credit report many times the first few times there assumed proof was a typed written letter with a balance that was not legal or legitimate. Now they have copied and pasted a document together with a current XXXX XXXX bill from XXXX which intern was paid. \nThis company has stolen the new account and put it on an old account and presented this to be as new debt. This is false Attorney General this company must think they are dealing with someone who does not know the law or someone who will just look at this notice carefully. In XX/XX/XXXX I did not live in XXXX  I lived in XXXX  during this said time and I worked in XXXX County. This company has stolen information from my new account entitled my P.O. Box that I used this company does not know where these services were obtained because they asked XXXX what address do they have now for me and this is what they were given and they should not have been given any of my information. \n\nI have indicated to this company many times before that I do not have a balance with them nor XXXX any money. If I did, I would have paid it I would not go without lights. This company does not have an original balance account number which is on a few of the old credit reports that I have in my possession with this same company years ago with XXXX again. They were forced to remove they inquire, so now they have obtained information from XXXX with new information that has nothing to do with their claim. They can not justify their accusations with a lie. I have my original bill from XXXX. XXXX XXXX. Can not produce an original bill for this amount because they do not have one. They somehow obtained a XXXX account from XXXX in my name and put it on an old account they were already paid. \n\nI want this collection agency file XXXX for mischief and lining. Account was removed several times and now they have copied and pasted a new account that does not have this balance they indicated XXXX in which this was since abolished and they have no right to lie about this account and still try to collect on such fraudulent lying where is the bill XXXX that states this balance and there is no account number they stole my new account number and put in on the old collection account they did not get money from I would never pay this company anything. Fraudulent. In XX/XX/XXXX, this account was removed please confirm with the credit bureaus to concur this it is in the reports the company had no validation of the balance. My job entitles me to move every 6 months and I was in XXXX  in XX/XX/XXXX not XX/XX/XXXX. My son was in college there they can not produce anything valid. I would not have had service if I owed a bill they would have taken it from my deposit. \n\nOnline Collection I will report you to every entity I can think of based on the documents that you sent me. If I ever owe XXXX XXXX a Bill, they will never send me any fake bills or fraudulent balances you did. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX","date_sent_to_company":"2019-12-24T12:37:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"3476729","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-12-24T12:37:56.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I ASK THAT THE CREDIT BUREAUS <em>INVESTIGATE</em> THIS XXXX XXXX XXXX XXXX STOLE AN ACCOUNT # from A Current account To : Attorney General XXXX XXXX XXXX of the Attorney General XXXX XXXX XXXX XXXX, XXXX  XXXX <em>Complained</em> Filed XX/XX/XXXX Dear XXXX XXXX, Thank you for submitting <em>your</em> request and information to Office of the Attorney General Our office reviews each complaint carefully to determine whether we can assist in resolving the matter."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[10.510924,"3476729"]},{"_index":"complaint-public-v1","_id":"3476730","_score":10.496779,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  Equifax nor XXXX  did not investigate the documents given to them by online collection these documents were fake and they were not verified by none of the. credit bureaus I want to file a complaint To : CFPB XXXX XXXX/Equifax, XXXX  To : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX, NC XXXX. THIS COMPANY IS A FRAUD THEY FRAUDULENTLY CREATED DOCUMENTS FROM AN ACCOUNT THAT HAS NOTHING TO DO WITH THEIR ASSUMED CLAIM THEY HAD TO CLAIM PROOF VALIDITY OR ANYTHING NOW THEY FOUND A NEW ACCOUNT AND COPIED AND PASTED NEW ACCOUNT INFORMATION AND NEW DATA FROM AN ACCOUNT. \nI ASK THAT THE CREDIT BUREAUS INVESTIGATE THIS XXXX XXXX XXXX XXXX STOLE AN ACCOUNT # from A Current account To : Attorney General XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, XXXX  XXXX Complained Filed XX/XX/XXXX Dear XXXX XXXX, Thank you for submitting your request and information to Office of the Attorney General Our office reviews each complaint carefully to determine whether we can assist in resolving the matter. \nWe may refer your inquiry to another agency when appropriate. Since our office receives a high volume of inquiries, please allow sufficient time for review of your matter. You will receive follow-up communication about your inquiry in a subsequent email. \n\nThank You, Office of the Attorney General XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ACCOUNT # XXXX To : All Consumers to aware of the trickery the collection agency does. \n\nThis collection agency name XXXX XXXX has taken a bill from XXXX in which has already been paid they have deposited this collection account in my credit report many times the first few times there assumed proof was a typed written letter with a balance that was not legal or legitimate. Now they have copied and pasted a document together with a current XXXX XXXX bill from XXXX which intern was paid. \nThis company has stolen the new account and put it on an old account and presented this to be as new debt. This is false Attorney General this company must think they are dealing with someone who does not know the law or someone who will just look at this notice carefully. In XX/XX/XXXX I did not live in XXXX  I lived in XXXX  during this said time and I worked in XXXX County. This company has stolen information from my new account entitled my P.O. Box that I used this company does not know where these services were obtained because they asked XXXX what address do they have now for me and this is what they were given and they should not have been given any of my information. \n\nI have indicated to this company many times before that I do not have a balance with them nor XXXX any money. If I did, I would have paid it I would not go without lights. This company does not have an original balance account number which is on a few of the old credit reports that I have in my possession with this same company years ago with XXXX again. They were forced to remove they inquire, so now they have obtained information from XXXX with new information that has nothing to do with their claim. They can not justify their accusations with a lie. I have my original bill from XXXX. XXXX XXXX. Can not produce an original bill for this amount because they do not have one. They somehow obtained a XXXX account from XXXX in my name and put it on an old account they were already paid. \n\nI want this collection agency file XXXX for mischief and lining. Account was removed several times and now they have copied and pasted a new account that does not have this balance they indicated XXXX in which this was since abolished and they have no right to lie about this account and still try to collect on such fraudulent lying where is the bill XXXX that states this balance and there is no account number they stole my new account number and put in on the old collection account they did not get money from I would never pay this company anything. Fraudulent. In XX/XX/XXXX, this account was removed please confirm with the credit bureaus to concur this it is in the reports the company had no validation of the balance. My job entitles me to move every 6 months and I was in XXXX  in XX/XX/XXXX not XX/XX/XXXX. My son was in college there they can not produce anything valid. I would not have had service if I owed a bill they would have taken it from my deposit. \n\nOnline Collection I will report you to every entity I can think of based on the documents that you sent me. If I ever owe XXXX XXXX a Bill, they will never send me any fake bills or fraudulent balances you did. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX","date_sent_to_company":"2019-12-24T12:37:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"3476730","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-12-24T12:37:56.000Z","state":"CT","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I ASK THAT THE CREDIT BUREAUS <em>INVESTIGATE</em> THIS XXXX XXXX XXXX XXXX STOLE AN ACCOUNT # from A Current account To : Attorney General XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, XXXX  XXXX <em>Complained</em> Filed XX/XX/XXXX Dear XXXX XXXX, Thank you for submitting <em>your</em> request and information to Office of the Attorney General Our office reviews each complaint carefully to determine whether we can assist in resolving the matter."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[10.496779,"3476730"]},{"_index":"complaint-public-v1","_id":"3476728","_score":10.49272,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian XXXX  nor XXXX  did not investigate the documents given to them by XXXX  XXXX  these documents were fake and they were not verified by none of the. credit bureaus I want to file a complaint To : CFPB XXXX XXXX/XXXX, Experian To : XXXX XXXX XXXX   XXXX.XXXX  XXXX XXXX XXXX. XXXX, XXXX   XXXX. THIS COMPANY IS A FRAUD THEY FRAUDULENTLY CREATED DOCUMENTS FROM AN ACCOUNT THAT HAS NOTHING TO DO WITH THEIR ASSUMED CLAIM THEY HAD TO CLAIM PROOF VALIDITY OR ANYTHING NOW THEY FOUND A NEW ACCOUNT AND COPIED AND PASTED NEW ACCOUNT INFORMATION AND NEW DATA FROM AN ACCOUNT. \nI ASK THAT THE CREDIT BUREAUS INVESTIGATE THIS XXXX XXXX XXXX XXXX STOLE AN ACCOUNT # from A Current account To : Attorney General XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, XXXX  XXXX Complained Filed XX/XX/XXXX Dear XXXX XXXX, Thank you for submitting your request and information to Office of the Attorney General Our office reviews each complaint carefully to determine whether we can assist in resolving the matter. \nWe may refer your inquiry to another agency when appropriate. Since our office receives a high volume of inquiries, please allow sufficient time for review of your matter. You will receive follow-up communication about your inquiry in a subsequent email. \n\nThank You, Office of the Attorney General XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ACCOUNT # XXXX To : All Consumers to aware of the trickery the collection agency does. \n\nThis collection agency name XXXX XXXX has taken a bill from XXXX in which has already been paid they have deposited this collection account in my credit report many times the first few times there assumed proof was a typed written letter with a balance that was not legal or legitimate. Now they have copied and pasted a document together with a current XXXX XXXX bill from XXXX which intern was paid. \nThis company has stolen the new account and put it on an old account and presented this to be as new debt. This is false Attorney General this company must think they are dealing with someone who does not know the law or someone who will just look at this notice carefully. In XX/XX/XXXX I did not live in XXXX  I lived in XXXX  during this said time and I worked in XXXX County. This company has stolen information from my new account entitled my P.O. Box that I used this company does not know where these services were obtained because they asked XXXX what address do they have now for me and this is what they were given and they should not have been given any of my information. \n\nI have indicated to this company many times before that I do not have a balance with them nor XXXX any money. If I did, I would have paid it I would not go without lights. This company does not have an original balance account number which is on a few of the old credit reports that I have in my possession with this same company years ago with XXXX again. They were forced to remove they inquire, so now they have obtained information from XXXX with new information that has nothing to do with their claim. They can not justify their accusations with a lie. I have my original bill from XXXX. XXXX XXXX. Can not produce an original bill for this amount because they do not have one. They somehow obtained a XXXX account from XXXX in my name and put it on an old account they were already paid. \n\nI want this collection agency file XXXX for mischief and lining. Account was removed several times and now they have copied and pasted a new account that does not have this balance they indicated XXXX in which this was since abolished and they have no right to lie about this account and still try to collect on such fraudulent lying where is the bill XXXX that states this balance and there is no account number they stole my new account number and put in on the old collection account they did not get money from I would never pay this company anything. Fraudulent. In XX/XX/XXXX, this account was removed please confirm with the credit bureaus to concur this it is in the reports the company had no validation of the balance. My job entitles me to move every 6 months and I was in XXXX  in XX/XX/XXXX not XX/XX/XXXX. My son was in college there they can not produce anything valid. I would not have had service if I owed a bill they would have taken it from my deposit. \n\nOnline Collection I will report you to every entity I can think of based on the documents that you sent me. If I ever owe XXXX XXXX a Bill, they will never send me any fake bills or fraudulent balances you did. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX","date_sent_to_company":"2019-12-24T12:37:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"067XX","tags":null,"has_narrative":true,"complaint_id":"3476728","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-12-24T12:22:45.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I ASK THAT THE CREDIT BUREAUS <em>INVESTIGATE</em> THIS XXXX XXXX XXXX XXXX STOLE AN ACCOUNT # from A Current account To : Attorney General XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, XXXX  XXXX <em>Complained</em> Filed XX/XX/XXXX Dear XXXX XXXX, Thank you for submitting <em>your</em> request and information to Office of the Attorney General Our office reviews each complaint carefully to determine whether we can assist in resolving the matter."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[10.49272,"3476728"]},{"_index":"complaint-public-v1","_id":"20791231","_score":10.466186,"_source":{"product":"Credit card","complaint_what_happened":"CAPITAL ONE PROVIDING INADEQUATE RESPONSES TO FRAUD CLAIM - SIXTH DENIAL I am filing this as a NEW complaint because Capital Ones XX/XX/XXXX response to my previous complaint ( CFPB XXXX XXXX ) is inadequate and demonstrates bad faith. \nBACKGROUND : I was defrauded by XXXX XXXX  for {$8100.00} on my XXXX credit card ( two charges : {$4000.00} on XX/XX/XXXX and {$4100.00} on XX/XX/XXXX ). \nFEDERAL COURT HAS CONFIRMED THIS WAS FRAUD : XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX : FTC XXXX XXXX XXXX  XXXX, et al. \nPermanent injunction and monetary judgment entered Court findings : Fraudulent business practices and deceptive operations Federal receiver announced no victim distribution ( XX/XX/XXXX ) TIMELINE OF DENIALS : When XXXX owned account : XXXX. XX/XX/XXXX : Denied - no fraud occurred XXXX. XX/XX/XXXX : Denied XXXX. XX/XX/XXXX : Denied After Capital One acquired XXXX ( XX/XX/XXXX ) : XXXX. XX/XX/XXXX : Denied XXXX. XX/XX/XXXX : XXXX. XX/XX/XXXX : Denied again ( CFPB XXXX XXXX ) SIX DENIALS of federally-confirmed fraud. \nCAPITAL ONES XX/XX/XXXX RESPONSE IS INADEQUATE : XXXX. ADMITS SHELL GAME BETWEEN ACCOUNTS Capital Ones letter states : We transferred your account ending in XXXX to XXXX. This transfer changed the account number, and terminated your previous card, however the account was not closed. \nThis is exactly what I complained about. When XXXX denied my fraud claim on Account XXXX, they closed it and moved the disputed debt to Account XXXX to avoid proper investigation. Capital One is now admitting this shell game and claiming its legitimate. This violates FCBA dispute process requirements.\n\n2. CLAIMS INVESTIGATION PROCEDURES ARE CONFIDENTIAL Capital One states : The procedures Capital One has in place are confidential and proprietary to Capital One and are not shared with consumers. \nThis is unacceptable under Fair Credit Billing Act. Banks must conduct reasonable investigation and provide findings. Capital One can not hide behind confidential procedures to avoid : Explaining what investigation they performed Addressing federal court evidence Providing any details of their findings XXXX. COMPLETELY IGNORES FEDERAL COURT EVIDENCE Capital Ones XX/XX/XXXX response makes XXXX mention of : XXXX XXXX XXXX permanent injunction Federal Trade Commission enforcement action Court findings that XXXX operated fraudulent scheme Receivership confirmation of no victim distribution A federal court has proven XXXX XXXX operated through fraud and deception. Capital One can not simply ignore federal court findings. \n4. NO INVESTIGATION DETAILS PROVIDED Capital One provides : No explanation of investigation performed No merchant documentation reviewed No analysis of federal court evidence No explanation of why federally-proven fraud is valid Just claims we believe the transaction is valid 5. CLAIMS PREVIOUS RESPONSE FULLY ADDRESSED CONCERNS - FALSE Capital One states their previous responses addressed my concerns. This is false. Their previous responses : Never mentioned federal court case Never explained investigation procedures Never provided investigation findings Just repeated transaction is valid without explanation WHAT MAKES THIS BAD FAITH : I have provided : Federal court permanent injunction Court findings of fraudulent operations Receivership documentation showing no victim recovery Proof I was early FTC reporter ( helped trigger investigation ) Capital One has provided : We believe its valid Our procedures are confidential Previous response addressed this No actual investigation details No response to federal court evidence MY TOTAL XXXX  FRAUD LOSSES : Wire transfer : {$30000.00} ( permanently lost - receivership has no funds ) Credit card ( Capital One/Discover ) : {$8100.00} ( being denied ) Total : {$38000.00} I have already permanently lost {$30000.00} to this federally-proven fraud with no possibility of recovery. Capital One should not compound my victimization by refusing to remove the {$8100.00} in credit card charges from the same fraud scheme. \nWHAT I AM SEEKING : XXXX. Remove all XXXX XXXX charges ( {$8100.00} total - both accounts ) XXXX. Require Capital One to address federal court evidence ( not claim its confidential ) XXXX. Refund all interest and fees charged on fraudulent debt XXXX. Correct credit reporting on both accounts ( XXXX and XXXX ) XXXX. Written confirmation charges were fraudulent and accounts cleared XXXX Ones pattern of denials ( XXXX total between XXXX and Capital One ) despite federal court proof demonstrates systematic failure to properly investigate fraud claims. \nI am requesting CFPB intervention to ensure Capital One : Properly investigates fraud backed by federal court evidence Can not hide behind confidential procedures to avoid accountability Removes fraudulent charges confirmed by federal court Stops using shell games ( moving debt between accounts ) to avoid investigation Previous CFPB Cases : XXXX ( closed inadequately ) XXXX ( inadequate response XX/XX/XXXX ) Respectfully submitted, XXXX XXXX","date_sent_to_company":"2026-03-30T23:35:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"20791231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-30T23:27:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XX/XX/XXXX : Denied <em>again</em> ( CFPB XXXX XXXX ) SIX DENIALS of federally-confirmed fraud. \nCAPITAL ONES XX/XX/XXXX RESPONSE IS INADEQUATE : XXXX. ADMITS SHELL GAME BETWEEN ACCOUNTS Capital Ones letter states : We transferred <em>your</em> account ending in XXXX to XXXX. This transfer changed the account number, and terminated <em>your</em> previous card, however the account was not closed. \nThis is exactly what I <em>complained</em> about."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[10.466186,"20791231"]},{"_index":"complaint-public-v1","_id":"2571112","_score":10.387559,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT This is my 3rd and final letter, to which I have created  a paper trail  with signatures proof you have received these letters.  <P/> ( Letters  1-2  as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of    XXXX   XXXX   2017 , that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ) ATTACHMENTS  XXXX  View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX  We 've sent your complaint to the company, and we will let you know when they respond.  <P/> Their response should include the steps they took, or will take, to address your complaint.  <P/> You should receive an update from the company within the next 15 days, and a final response within 60 days.  <P/> Company responded STATUS Company responded on XX/XX/XXXX    RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. After a review of your account, we confirmed that you have  four Private Signature Select  Loans that are currently in default. As of   XX/XX/XXXX  , the total balance for the loans is {$52000.00}. A private loan is unsubsidized, which means that you are responsible for the interest at all times, beginning on the date the loan is disbursed. Interest that remains unpaid during the time the loan is in School,  XXXX , and Forbearance status is capitalized ( added to the principal balance ). This information was provided in your  Promissory Notes.  Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans. Our records reflect that your  Private Signature Select  Loans defaulted due to non-payment in  XXXX  of  XXXX . We have requested the assistance in collecting the debt from an outside agency. We are pleased to share that you are eligible for the Reduced  Interest Rate Program  for the loans. With this program, your monthly payment would be {$250.00}. Once the third qualifying monthly payment posts to your account, the interest rate will be reduced to  0.001  percent and will remain at that rate as long as you continue making the required payments each month. Please understand that the loans will continue to be reported to the consumer reporting agencies as charged off until they are paid in full, at which time, the loans will report as account paid in full, was a charge off. If you are interested in learning more about this option, please contact  XXXX   XXXX   XXXX  at  XXXX . The Fair Credit Reporting Act requires lenders and servicers, such as  XXXX , who report information to the consumer reporting agencies to do so with accuracy. We reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. Given the requirements of this law,  XXXX  can not honor your request for removal of accurate reporting. The Fair Credit Reporting Act requires lenders and servicers, such as  XXXX , who report information to the consumer reporting agencies to do so with accuracy. We have reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the  Consumer Reporting  Agencies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report.   Feedback provided STATUS Feedback provided on  XX/XX/XXXX  Your feedback In the company response they stated that ( \" This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans '' ) As i have no record of this information being sent to my home so once again im asking. So i ask the CFPB to honor my request that the company in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans . ( AND TE  COMPANY DID NOT PROVIDE THIS ALL HEY PROVIDED WAS A FALSE CLAIM SAYING THEY SENT THIS TO MY HOME WHERE IS THEIR PROOF AND OR SIGNATURES OF THESE LOANS ) Their are so many errors on so many moving parts. I have created the proper  paper trail  and I have yet to recieve the information i requested to settle this debt if validated ... I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of   XX/XX/XXXX  , that together with your assurance that you will except payment What happens now?  <P/> The complaint process is complete and your complaint is now closed.  <P/> We have taken the following additional actions on your complaint : We added your complaint to the  CFPBs Consumer Complaint Database.    Your feedback, and feedback from other consumers, helps us make decisions about which issues and companies to investigate. If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website.   We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies.   We appreciate your participation in the complaint process and your feedback on that process. Both are important to us and consumers who  may  have similar issues and concerns.  <P/> Closed  The  CFPB has closed your complaint.","date_sent_to_company":"2017-07-11T18:55:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2571112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-11T18:55:41.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>YOUR</em> COMPLAINT This is my 3rd and final letter, to which I <em>have</em> created  a paper trail  with signatures <em>proof</em> you <em>have</em> received these letters."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[10.387559,"2571112"]},{"_index":"complaint-public-v1","_id":"2571046","_score":10.385013,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT This is my 3rd and final letter, to which I have created a paper trail with  signatures proof you have received these letters. <P/>( Letters 1-2 as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ) ATTACHMENTS XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. <P/>Their response should include the steps they took, or will take, to address your complaint. <P/>You should receive an update from the company within the next 15 days, and a final response within 60 days. <P/>Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. After a review of your account, we confirmed that you have four Private Signature Select Loans that are currently in default. As of XX/XX/XXXX, the total balance for the loans is {$52000.00}. A private loan is unsubsidized, which means that you are responsible for the interest at all times, beginning on the date the loan is disbursed. Interest that remains unpaid during the time the loan is in School, Grace, and Forbearance status is capitalized ( added to the principal balance ). This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans. Our records reflect that your Private Signature Select Loans defaulted due to non-payment in XX/XX/XXXX. We have requested the assistance in collecting the debt from an outside agency. We are pleased to share that you are eligible for the Reduced Interest Rate Program for the loans. With this program, your monthly payment would be {$250.00}. Once the third qualifying monthly payment posts to your account, the interest rate will be reduced to 0.001 percent and will remain at that rate as long as you continue making the required payments each month. Please understand that the loans will continue to be reported to the consumer reporting agencies as charged off until they are paid in full, at which time, the loans will report as account paid in full, was a charge off. If you are interested in learning more about this option, please contact XXXX XXXX XXXX at XXXX. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. Given the requirements of this law, XXXX can not honor your request for removal of accurate reporting. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We have reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the Consumer Reporting Agencies. If you wish to have this narrative removed from your credit report, please write to us at XXXX. XXXX XXXX, XXXX, PA XXXX. Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report. Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback In the company response they stated that ( \" This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans '' ) As i have no record of this information being sent to my home so once again im asking. So i ask the CFPB to honor my request that the company in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ( AND TE COMPANY DID NOT PROVIDE THIS ALL HEY PROVIDED WAS A FALSE CLAIM SAYING THEY SENT THIS TO MY HOME WHERE IS THEIR PROOF AND OR SIGNATURES OF THESE LOANS ) Their are so many errors on so many moving parts. I have created the proper paper trail and I have yet to recieve the information i requested to settle this debt if validated ... I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment What happens now? <P/>The complaint process is complete and your complaint is now closed. <P/>We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from other consumers, helps us make decisions about which issues and companies to investigate. If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on that process. Both are important to us and consumers who may have similar issues and concerns. <P/>Closed The CFPB has closed your complaint.","date_sent_to_company":"2017-07-11T18:55:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2571046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-11T18:55:41.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>YOUR</em> COMPLAINT This is my 3rd and final letter, to which I <em>have</em> created a paper trail with  signatures <em>proof</em> you <em>have</em> received these letters."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[10.385013,"2571046"]},{"_index":"complaint-public-v1","_id":"1677069","_score":10.32072,"_source":{"product":"Credit card","complaint_what_happened":"American express has/had a closing date of around the XXXX of each month on our card. Then they tell us to pay on r about the XXXX of each month, which means even if you received your bill on the closing date, which is impossible by mail, you have essentially only 14 days to pay your bill and then as you near the end if the 14 days they hound you, and after that they email you that they will report you to a credit agency and you are past due, even when you have a valid dispute with them. In our case we were disputing an unauthorized charge that the executive office said was nit our responsibility as well as a cyber fraud running balance that began with {$260.00} in XX/XX/XXXX and ended with {$1700.00} -- none of these charges were ever listed as line item charges,, they were onky included in a growing balance that we disputed and asked for explanation. Amex said its attorney investigated it twice, but I am an attorney and I never received any evidence of this, never an explanation other than, 'You are wrong. All you want is your way. You are not paying your bills on time, '' All of this was untrue as we ran a spread sheet each month and paid all actual charges we charged in full. Then last month the day before their please pay in full by date and coincidentally the day we paid even more than they stated we owed them, American Express abruptly closed our account blocking us from receiving our earned points in their reward program. They would not reinstate us and said we had a bad payment record, which was false, and also a poor FICO score, which was false as I checked both that day and both were very good, with all charges, bills, etc. paid on time. We never said we would not pay Amex, we only wanted proof of charges and for them to not pay a bill we told them not to pay. But as an act of good faith we did pay the full dispute and even changed our scheduled payment to an earlier date, way before the closing date. Besides the above, every sixty days Amex would remove the dispute causing us to have to reinstate it and ask for explanation -- and then they started no paying charges we authorized, and sent chargebacks to XXXX merchant for charges never out on our account in the first place. There was also confusing data entries as to XXXX merchant where I could not tell if the charge was from them, where I had to call them and ask and then dispute, and then a month or so later the data entry was changed -- none of these errors ( if that is what they were ) mattered to Amex. I was sent so many emails this last month I had to tell them to CEASE AND DESIST -- and the mail and repeated sending of the monthly billings over and over again as well as the many, many form letters all saying the same thing, never addressed our questions. And to top it off the action of closing our account was retaliatory because we complained to this office. Now all they do is ignore me. When I was paying this last bill it took me 12 hours on the phone just to pay the bill because they kept transferring me from department to department, treating me like I was a criminal. We have been a XXXX XXXX customer since XX/XX/XXXX, and the dispute process was something I believed in with Amex. The work involved to just remove the auto payments and get everyone paid has taken huge amounts of time. And the thing that really gets me is the finally payment and these payments of over XXXX XXXX dollars mean I should also have the benefit of the rewards earned by the payment, as well as the final payment I should be paying as soon as all the ending charges are posted, but of course, prior to the closing date -- which happens to be 30 days from the prior closing date -- no grace period -- I now feel bullied by Amex and the least they could do would be to post a true and actual due date and not float everyone 's money. My bank laughed when and said this is why they no longer offer Amex.","date_sent_to_company":"2015-12-01T11:42:57.000Z","issue":"Other","sub_product":null,"zip_code":"919XX","tags":null,"has_narrative":true,"complaint_id":"1677069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2015-12-01T11:42:56.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Amex said its attorney <em>investigated</em> it twice, but I am an attorney and I never received any evidence of this, never an explanation other than, 'You are wrong. All you want is <em>your</em> way. You are not paying <em>your</em> bills on time, '' All of this was untrue as we ran a spread sheet each month and paid all actual charges we charged in full."]},"sort":[10.32072,"1677069"]},{"_index":"complaint-public-v1","_id":"2745059","_score":9.686897,"_source":{"product":"Debt collection","complaint_what_happened":"This Report complaint have been update from original send from this website CFPB on XX/XX/XXXX. \n\nYOUR COMPLAINT create on XX/XX/XXXX I have been victimized by illegal debt collection practices from the company name is ADIR international LLC DBA as XXXX XXXX. \n\n\nI receive a mail offer to apply for their credit card. Application was approve via online The Reference account I am disputing specific a creation of sub account or second account in addition to the main account that was create from an online purchase. During the purchase there was not any indication that the purchase made will have a different contract agreement and payment plans. During the checkout there was no indication nor there was any information from the receipt of purchase printout. \n\nThis additional account was create without my consent the term of this account have monthly fix payment amount. \n\nIt was when I receive the bill that I notice that one of my purchase was under as sub account with fix monthly payment the remainder of the other purchase I have made simple monthly base on the balance which then is how the monthly minimum payment is calculate. \n\nTo my surprise the amount on the bill was double of what I was expecting, an amount twice as much the anticipate amount, if I would have been informed which I was no, I will have not have made the purchase. What I have purchase was base on my monthly budged amount. \n\nWhat is misleading is they never mention nor during the process of purchase no during the finalization of the merchandise because of having this not be presented nor did I have sign any other documents reflecting the creation of such sub account with or under different term. \n\nIf there was a condition then the time to present this to the buyer would have been during the checkout or prior the purchase become final then that should have been the time to present it, but that never happen. \n\nIn conclusion because of that along the fraudulent information provide to the credit bureau destroying my credit file score on a monthly base, is spite that I try to establish a payment plan but they never when forward with it, but they were ruining my credit file and it was done with knowledge with the intention to so, no there where not trying to collect a debt. \n\nThis are the main reason of this complain which I will continue to explain on this report in the must simple clear and precise way I can. \n\nIs important for to say I did not apply or have consent XXXX to create any new term if such term were part of this contract it was misleading marketing. \n\nRegardless I did not consent for that I have requested for documents supporting this term before I could have made my point to dispute with creditor they never provide me with one, no providing one because technically there was none. \n\nTo this day I have not received any documents in spite of countless of time I have requested. \n\nThe request was made by mail, phone call and by using the internet costumer service. I have kept proof for supporting my inquiries for the claim in dispute. \n\nAgain not proving me with any type of anything with a sign contract will have been invalid. \n\nWith not prove of the term there can not be a claim and to demand a different payment amount which I never agree with, and when trying to return merchandise was, base on their policies was passed the time frame for return merchandise Like to further clarified I was disputing the purchase or the account itself, but I was disputing the validity of the term I was forced without proper documentation to support of such term The account was market as credit revolving account the minimum payment was base on account balance, for my understanding this credit card was structure like any bank credit card. \n\nUnder the contract that I read there was mention very briefly a sub account but nothing in term of specific. Other than you need apply or ask for it or be offer to you by XXXX for that type of line as an addition added to the account, so was something that would have happen automatically. \n\nMade countless request to return merchandise as a way to resolve the matter. That was not possible they keep giving me some irrelevant excuses. \nSo on their mind I have broken the contract when in reality they have breach the contract and they are not seeing that. \n\nIn any contract both parties have obligation and they felt with their obligation by not keep accurate update information to costumers, but they claim I was the one that committed breach of contract which let this account to collection. \nRegarless of trying to come up with a payment plan, they refuse it and insist to pay an amount that was not possible which is the point to this dispute, but then using the credit reporting as a tool for their iligal practice constantly breaking the law. Shame on them They declare the account in default as a charged-off and reported to credit bureau which they have intentionally provide false information such as account balances , lane of credit passed due amount, this information was change monthly with the intention to ruin my credit file, in spite that when reporting a charged off account is one time reporting, but instead my credit line have increase on a monthly base, as well the amount own. In doing so they in violation of The Fair Credit Reporting Act. \n\nXXXX then file a fraudulent lawsuit against me in a small claim court which is where all this got very complicate and is were XXXX has violate the law in several aspects. \n\nThey never notified my as is the normed they lie saying that I was serve document for the court case, that was not true. \n\nThe file a small claim with misleading and false information including the amount own and main reason for the lawsuit. \n\nI learned of this lawsuit when two weeks before the trial I receive a letter from XXXX saying they have file a lawsuit, the letter state the case information, date and court. \n\nWith such short notice I did the search online about the case with the court and there it was. I did call XXXX again trying to get some mutual agree and to tell them that I have knowledge of the activities they were involve when trying to recover account in default. \n\nI manage to have the case be dismissed which the judge dismiss the entire case for lack of evidence and for XXXX not been present. \n\nThey lie by saying will request the court to have dismiss the case, another lie. They never did So this complain is to have someone to further look into this as I think is a serious matter an there is a strong evidence of wrong and illegal practice when collecting debt. \nThere is need for immediate resolution is warrant, this should not be allow period. \nIs my obligation for reporting this to you ( CFPB ) that monitor and address to who/whom is and when committing illegal activities. \n\nI consider what they are doing under the current law and is view as fraud. Let alone all the modification they have created in alleged account in dispute when reporting information to credit reporting bureau ( XXXX-XXXX and XXXX ) The also File a case in court with the small claim court and here is where everything gets complicate in term of what I have found this company is doing wrong and it needs to be investigate which is my hope this complain will accomplish to the discovery what this firm have been practicing for quiet sometime to many of their client that they have offer credit lines with the intent to damage costumer credit profile among other things file fake document representation. \n\nThey presented fake license representing the firm when they file case in court misleading information. I responded to the allegation by presenting to the judge relevant important facts for the judge to have dismissed the entire case with prejudice which was the conclusion the judge have made on the case. \n\nI dispute and report to the credit bureau agencies the validity of their report toward my account with them, but I got not support from the bureau to resolve the matter. \n\nThey conducted no proper investigation. I am in the process to report then for lack of responsibilities and to be in compliance of their obligation were not practice when responding to the credit bureau from my demand to verification of the account validity with the credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. \n\nThey have intentionally damage my credit file month after month in a blatant an unashamed behavior putting on and off false information as account balances own opening date of account they have re-age the account every other week making my credit score to drop tremendously. \n\nEvery trade line in the account was wrong. It was clearly done intentionally to further damage my credibility They try to intimidated me and I let them but now after I have learned and I am well aware of what my right are. \n\nIt will be irresponsible of me not to use it in spite of the current laws is clearly that it did not provide sufficient restraints to then as to follow the rules as a way to practice their obligation they are furnisher of information to credit reporting agencies when reporting is to be accurate and true full information is a must, as is their obligation to do so and they have fail to obeyed the law","date_sent_to_company":"2017-12-03T06:45:06.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"2745059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ADIR INTERNATIONAL LLC","date_received":"2017-12-03T00:41:35.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>Again</em> not proving me with any type of anything with a sign contract will <em>have</em> been invalid."],"sub_issue":["Threatened or suggested <em>your</em> credit would be damaged"]},"sort":[9.686897,"2745059"]},{"_index":"complaint-public-v1","_id":"5672897","_score":9.573006,"_source":{"product":"Debt collection","complaint_what_happened":"Hunter Warfield , Inc. is a third-party collection agency headquartered in XXXX, Florida. Since XXXX, Hunter Warfield , Inc. has provided effective collection services for its clients in the multifamily, commercial, and funeral industries. Hunter Warfield does not purchase or own debt ; it collects on accounts referred by its clients. Hunter Warfield and its people are committed to ensuring that the consumer is dealt with in a professional, caring manner. Complaint # XXXX has been reviewed. We have also reviewed our collection notes and records. The consumer states that Hunter Warfield has reported a debt under the consumers name to the credit bureaus. The consumer also requests for validation of the debt and a signed contract with Hunter Warfield. Subsequently the consumer request to cease of all collection efforts and the removal of the debt from her credit file. XXXX XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$3400.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. Our records indicate that validation of the debt was previously provided. We are enclosing for the consumers records copies of the account statement and the lease ( personal information has been redacted ). A review of this information may help the consumer examine the nature of the charges. If the consumer does not recognize the debt as his and would like Hunter Warfield to investigate based on fraud, Hunter Warfield requests that the following information be provided as soon as possible : 1. Copy of police report filed along with the Identity theft affidavit duly notarized, or other confirmation of the reporting of the fraud. 2. Copy of identification. Acceptable forms of identification include : Social Security Card Valid drivers license/identification card/passport XXXX. Any additional documentation supporting your claim of fraud. The requested information can be mailed to : Hunter Warfield, Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax- XXXX XXXX The account has been placed under a hold status while awaiting information from the consumer. Credit reporting has been halted as well. In compliance with the consumers request, Hunter Warfield has noted the account to cease communication on XX/XX/XXXX. Hunter Warfield will honor the consumers wish for no further contact. If the consumer has additional questions, he may contact XXXX XXXX of XXXXunter Warfield 's Consumer Resolution Department at XXXX or via telephone ATTACHMENTS XXXX XXXX redacted.pdf ( XXXX MB ) XXXX final account statement redacted.pdf ( XXXX KB ) Again this is an alleged debt so please provide me with the proof I owed Hunter Warfield, Inc any alleged debt please show me where I have had an account with Hunter Warfield, Inc, a signed contract to pay you any fees or debts. Note this is not asking for any validation of debt in which you can not verify any debt or alleged debt I've never had with your company. This is asking if Hunter Warfield, Inc is in compliance with the FDCPA and a request of all documents requested below and in my previous complain in which you have not submitted to me. \n\nI also request the following documentations listed bellow to be certified and sent with your response. \n\nFull accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. \n\n( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Am XXXX sect. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.\n\nNotice To Agent notice to principal","date_sent_to_company":"2022-06-15T18:52:06.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"5672897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2022-06-15T18:44:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Note this is not asking for any validation of debt in which you can not verify any debt or alleged debt I've never had with <em>your</em> company. This is asking if Hunter Warfield, Inc is in compliance with the FDCPA and a request of all documents requested below and in my previous <em>complain</em> in which you <em>have</em> not submitted to me. \n\nI also request the following documentations listed bellow to be certified and sent with <em>your</em> response."],"issue":["<em>False</em> statements or representation"]},"sort":[9.573006,"5672897"]},{"_index":"complaint-public-v1","_id":"2746931","_score":9.567716,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"STATEMENT OF FACTS : RE : Alleged Account Name : Midland Funding Acct # XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$2000.00} I would like to inform you of and complain about some illegal practices of a company called Midland Funding whose office is located in XXXX XXXX, CA and is doing business in the state of Pennsylvania, my current state of residence. \nMidland Funding placed a derogatory mark on my consumer credit reports sometime just prior to XXXX XXXX, XXXX. I checked my credit reports on XXXX XXXX, XXXX and noticed that Midland Funding placed a derogatory remark on my  consumer credit reports with XXXX, XXXX  and XXXX for {$2000.00} for account # XXXX. Upon learning of this discrepancy, I sent a dispute letter dated XXXX XXXX, XXXX in request of such proof that I owe Midland Funding any money. The letter was received on XXXX XXXX, XXXX. To date, I have not received any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay Midland Funding. Midland Funding also failed to show ( 1 ) that a contract existed between myself and XXXX XXXX XXXX and Midland Funding and ( 2 ) a summarization of the amount allegedly owed on the account. Finally, Midland Funding did not supply a bill of sale or copy of  assignment agreement pertaining to the alleged account between myself and XXXX XXXX XXXX and an alleged account between myself and Midland Funding. \nI disputed the alleged debt in XXXX XXXX, however Midland Funding continued to try to collect on the account from me, in violation of numerous provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, which prohibits unfair and deceptive debt-collection practices.\n\nMidland Funding failed to report to XXXX Credit Bureau that this alleged account has been disputed which is in violation of the Fair Debt Collection Practices Act, Section 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means with the collection of any debt. Subsection ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 1. Disputed Debt. If a debt collector knows that a debt is disputed by the consumer, either from receipt of written notice ( Section 809 ) or other means, and reports it to a credit bureau, he must report it as disputed. 2. Post-report dispute. When a debt collector learns of a dispute after reporting the debt to a credit bureau, the dispute need not also be reported ; and 4. Violation of the Fair Credit Reporting Act including but not limited to Section 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute. ( 1 ) In general. After receiving notice pursuant to Section 611 ( 1 ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to Section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the  investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ) for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. \n\nI received correspondence dated XXXX XXXX, XXXX from XXXX XXXX, Division Manager with Midland Credit Management , Inc. ( XXXX ) XXXX notifying me that Midland Funding received and processed my dispute and have found their information to be correct. Midland Funding updated the information furnished to the Credit Bureaus between XXXX XXXX and XXXX, XXXX. ( See copies of the relevant pages of my credit reports prepared on XXXX XXXX, XXXX- attached. ) I noticed the following discrepancies and inaccuracies furnished to the Credit Bureaus by Midland Funding : 1. Collection Account Name : XXXX XXXX XXXX XXXX and Original Creditor : XXXX XXXX XXXX XXXX. How is this even possible? The Contact Information lists Midland Fundings address in XXXX XXXX, CA. \n2. Account Type : Open Account and Account Status : Closed. Again, how is this even possible?\n\n3. Past Due Amount : {$2000.00} and a perfect Payment History beginning XXXX XXXX through XXXX XXXX. Once again, how is this even possible? \n4. Your Statement : COLLECTION ACCOUNT. I have never added a statement to my Credit Report for this line item. \n5. Account not marked disputed with XXXX Credit Bureau. \n\nI am considering legal action against Midland Funding on my own, but first wanted to exhaust all possible administrative remedies. I would be seeking a minimum of {$1000.00} in damages per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to  Section 623-b ) 5. Violation of Corresponding State Laws","date_sent_to_company":"2017-12-05T19:15:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"175XX","tags":null,"has_narrative":true,"complaint_id":"2746931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2017-12-05T18:53:32.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Again</em>, how is this even possible?\n\n3. Past Due Amount : {$2000.00} and a perfect Payment History beginning XXXX XXXX through XXXX XXXX. Once <em>again</em>, how is this even possible? \n4. <em>Your</em> Statement : COLLECTION ACCOUNT. I <em>have</em> never added a statement to my Credit Report for this line item. \n5. Account not marked disputed with XXXX Credit Bureau. \n\nI am considering legal action against Midland Funding on my own, but first wanted to exhaust all possible administrative remedies."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[9.567716,"2746931"]},{"_index":"complaint-public-v1","_id":"3753976","_score":9.41476,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTE : This is a copy of the complain sent directly to Carrington Mortgage Services. \n\nTo whom it may concern, I have previously written in regarding your reporting practices while I am participating in this loan modification program. Your response dated XX/XX/XXXX is not only inaccurate, its ignoring some incredibly important information. I highly question the capabilities of the person whom you entrusted to do this research because even the most basic of investigations would verify when I called in and when I paid, yet now you are requiring me to prove everything you already have. \n\nFirst point in contention : Your justification for reporting me to the credit bureau by referencing the initial agreement. The initial agreement states, Your credit score may be adversely affected by accepting the Trial Period Plan. It says your score MAY be affected. The word may alludes to the possibility that it may be affected but it also equally means that it may NOT be affected. It was never clearly stated that regardless of my on-time payments and abiding by your rules, you would still be reporting me. Your words, instead, lead one to believe there is a way to NOT have your account reported and there is a possibility it wont. That is a flat out lie and your terms should reflect that instead of giving false hope that credit wont be affected. \nHad I known that you were still going to report me late to the credit bureaus I would have never accepted this agreement. Why would I? I have been trying to repair my credit and was already nervous about my upcoming bills which is what prompted me to ask for assistance in the first place. I even stated as much on the phone to your rep who talked to me about what options I had back in XXXX. Your attempt to deflect culpability is not going to pass. \n\nSecond point of contention : You stated in your response that no payments were recorded for XXXX or XXXX. I beg to differ. XX/XX/XXXX I spoke to a representative there at XXXX when I realized my mortgage was still showing as not paid. I discovered then, that my payment had gone up. I had already paid {$450.00} XX/XX/XXXX XXXX because my previous payment was {$440.00} and change ) so I was deficient by {$55.00} and change. I was told to make up the difference by XXXX XXXX to avoid late fees and reporting to the credit bureaus. I didnt have the money to do it at that moment but once my SSDI check hit my account at the end of the month ( XX/XX/XXXX ) I made a payment for {$560.00} which was posted to my bank account on XXXX XXXX, XXXX. That covered the amount I was deficient in XXXX, plus my XXXX payment. At the end of XXXX, I received the paperwork that I was accepted into the TPP and my payments would start XX/XX/XXXX. \nXX/XX/XXXX, I called into the call center to ask what my payment should be for XXXX since I had just sent back the documents for the program. I was instructed by your representative, that no payment was due. My program started XX/XX/XXXX, and that no payment could be taken because it could nullify my participation in the program if I made any additional payments ( that is also covered in your terms ). I attempted to pay in XXXX and was refused. LITERALLY REFUSED TO TAKE MY PAYMENT. \nXX/XX/XXXX, I called in and spoke to XXXX, and paid my first reduced payment, confirmation # XXXX. XXXX confirmed what I was told in XXXX about why I was not allowed to make my payment because my plan didnt start until XXXX. He said I needed to make my payments by phone while program. Thats TWO DIFFERENT CARRINGTON REPS TELLING ME TO NOT PAY XXXX PAYMENT. \n\n\nPlease note, in my previous communication, I stated that I made my XXXX payment at the new payment amount plus extra to cover the difference on XX/XX/XXXX for {$560.00}. That was a typo and the date was actually XX/XX/XXXX. \n\nAs I stated previously, this is a clear violation of terms that your company set out and its surely violating my rights as a consumer. I find it offensive that I am further required to provide documentation to prove my payments were made when you already have that information in your system and it was acknowledged by the Supervisor I spoke with today ( XX/XX/XXXX ). \n\nAs of the date of this letter, I have already received the XXXX package with my final signatures and sent that back last week. Ive attached the proof you requested, from my bank showing my payments WERE made. I am also requesting ( again ) you amend my credit report immediately and REMOVE the late payments as I am not late. I have complied with your instructions. I have not retained an attorney yet, but I am taking steps to do so and will continue to proceed if you fail to comply with my request. Your company should be ashamed of taking advantage of your customers like this, especially in a time of need. \n\nI would like a full written response to my complaint so I know when this has been handled. Thank you. I am also sending this complaint the Consumer Financial Protection Bureau. \n\n\nSincerely, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. \nXXXX, Fl XXXX XXXX","date_sent_to_company":"2020-07-20T16:21:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32526","tags":null,"has_narrative":true,"complaint_id":"3753976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2020-07-20T16:15:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Ive attached the <em>proof</em> you requested, from my bank showing my payments WERE made. I am also requesting ( <em>again</em> ) you amend my credit report immediately and REMOVE the late payments as I am not late. I <em>have</em> complied with <em>your</em> instructions. I <em>have</em> not retained an attorney yet, but I am taking steps to do so and will continue to proceed if you fail to comply with my request. <em>Your</em> company should be ashamed of taking advantage of <em>your</em> customers like this, especially in a time of need."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[9.41476,"3753976"]},{"_index":"complaint-public-v1","_id":"6817705","_score":9.340598,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX Observed unauthorized charges of {$69.00} posted on Wells Fargo American Express card. \n\n\n\nXXXX Called Wells Fargo and requested charge not be paid, explained to Wells Fargo Rep that charges were false and no product received or available as advertised by XXXX XXXX. \n\n\n\nXXXX Received e-mail letter from Wells Fargo stating complaint was active, and no payment or fees due during review. \n\n\n\nXXXX Received second e-mail letter from Wells Fargo stating we are currently investigating your dispute. Again stated notice would appear on bill that no payment or fees due during inquiry. \n\n\n\nXXXX Received a 3rd e-mail letter stating transaction being researched ( 2nd e-mail for XX/XX/XXXX ) XXXX XXXX No response from Wells Fargo . Second fraudulent charge appeared on Wells Fargo statement for {$69.00} to XXXX XXXX. \n\n\n\nXXXX XXXX No response from Wells Fargo XXXX 60 days now passed, 3rd fraudulent charge appeared on Wells Fargo statement for {$69.00} to XXXX XXXX. \n\n\n\nXX/XX/XXXX, XXXX Received 4th e-mail letter from Wells Fargo stating transaction being investigated. \n\n\n\nXX/XX/XXXX, XXXX Received 5th e-mail letter from Wells Fargo stating continue to research transaction. \n\n\n\nXX/XX/XXXX, XXXX After 4th e-mail letter claiming dispute being looked at, I wrote e-mail letter to American Express corporate in New York voicing my issues. Received a response that I needed to send concerns to Wells Fargo corporate ( letter emailed on XX/XX/XXXX is attached- very important. ) XX/XX/XXXX, XXXX Received 5th e-mail letter from Wells Fargo claiming progress being made. \n\n\n\nXX/XX/XXXX, XXXX 6th e-mail letter received from Wells Fargo claiming progress being made. \n\n\n\nXXXX XXXX e-mail letter received from Wells Fargo claiming progress being made. \n\n\n\nXXXX XXXX hours later, received e-mail letter stating case closed, no refund available, I had to pay charges. Note : Wells Fargo XXXX XXXX XXXX acknowledged receipt of my issues on XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX, I received 7 e-mail letters claiming my issues were being reviewed. \n\n\n\nEven after my long phone call with Wells Fargo reps on XX/XX/XXXX, my complaint was not acted upon until XX/XX/XXXX. By this time, I had been billed {$69.00} for XXXX, XXXX, XXXX of XXXX and XXXX of XXXX. \n\n\n\n\n\nXXXX XXXX Complained about incomplete inquiry by Wells Fargo Rep XXXX XXXX . Disputed the explanation that I had enjoyed the use of XXXX XXXX. Absolutely no evidence, or electronic data exists that shows I watched XXXX XXXX. \n\n\n\nXXXX Opened a dispute regarding Wells Fargo rep and the misleading, inaccurate info supplied to me, pretending to be working on my complaint. \n\n\n\nXXXX Wells Fargo Rep XXXX in the executive office opens investigation on my issues, by XX/XX/XXXX and no response, I lodged another complaint. \n\n\n\nXXXX Wells Fargo XXXX XXXX started investigation on file # XXXX XXXX While opened case under review, Wells Fargo XXXX XXXX me to the credit bureaus. XXXX XXXX decreased by XXXX pts ( XXXX to XXXX ). All Wells Fargo correspondence to me both written and verbal states no payment is required while issues under review. \n\n\n\nSee email attached dated XX/XX/XXXX. \n\n\n\nXXXX Spoke to Wells Fargo rep XXXX XXXX Offered to pay just debts, stated she could not determine correct charges from disputed charges, this offer was made to Wells Fargo rep XXXX, 10 days earlier transferred to XXXX in Wells Fargo executive office. Offered to pay just debts minus disputed charges. Stated he could not help me but would inform the case rep XXXX and he would call me to follow-up. \n\n\n\nXXXX Wells Fargo rep XXXX in executive office opened case inv # XXXX. \n\nLetter dated XX/XX/XXXX from Wells Fargo rep contained untruthful info that the merchant XXXX XXXX provided proof that I continued to enjoy their product. TOTALLY FALSE. I have never watched XXXX XXXX. I asked Wells Fargo Rep to provide me with evidence and they did not respond. Digital/electronic records proves this. \n\n\n\nXXXX Spoke to Wells Fargo rep XXXX  . He advised me to make a payment, despite the contested charges. Three days later XX/XX/XXXX, I made a payment. \n\n\n\nXXXX Despite payment made Wells Fargo suspended credit card. Credit score reduced again by XXXX to XXXX points. \n\n\n\n\n\n\n\n\n\nI have attached multiple pages ( within limits ) outlining the harm Wells Fargo did to my credit rating. I have had 2 Wells Fargo accounts ; on one, I made XXXX consecutive monthly installments, and on the Wells Fargo American Express card I made XXXX consecutive monthly payments. XXXX XXXX were not made because Wells Fargo XXXX XXXX writing that no payment was required until the dispute was completed. Wells Fargo XXXX XXXX XXXX failed to act and held my dispute over 90 days before action. As a result, I was falsely charged the original disputed amount and three subsequent months. Wells Fargo executive office reps failed to properly follow up with the 10 days required. On each complaint to them, they waited until 24 to 48 hours before the deadline to communicate with me.\n\nOver one dozen interactions with Wells Fargo executive office, and about a dozen calls, emails, and letters with reps, not even one of the Wells Fargo reps ( after my insistence ) provided me with an explanation about the following : Why Wells Fargo rep XXXX failed to timely investigate my complaint within the proper time frame? \n\n\n\nWhy was my credit file erroneously impacted by the incorrect info being supplied from Wells Fargo? Payments were not late if disputes are ongoing. \n\n\n\nWells Fargo Rep XXXX made completely false statements about me in the business docs I received as a response. \n\n\n\nWhy was I forced to pay unjust debts by Wells Fargo? If I didn't, my credit file was negatively impacted. \n\n\n\nWells Fargo failure ( reps not working ) resulted in negative financial impact on me.","date_sent_to_company":"2023-04-10T23:27:02.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75052","tags":"Older American","has_narrative":true,"complaint_id":"6817705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-04-10T22:47:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX Called Wells Fargo and requested charge not be paid, explained to Wells Fargo Rep that charges were <em>false</em> and no product received or available as advertised by XXXX XXXX. \n\n\n\nXXXX Received e-mail letter from Wells Fargo stating complaint was active, and no payment or fees due during review. \n\n\n\nXXXX Received second e-mail letter from Wells Fargo stating we are currently <em>investigating</em> <em>your</em> dispute. <em>Again</em> stated notice would appear on bill that no payment or fees due during inquiry."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[9.340598,"6817705"]},{"_index":"complaint-public-v1","_id":"6924915","_score":9.325681,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"COMPLAINT # 1 against EQUIFAX : I am a paying member of Equifax Credit monitoring system. On XX/XX/XXXX, for the second time, after my first complaint and request that Equifax not submit \" soft inquiries '' on my credit report without my authorization because every time they do so, it causes my credit score to drop. I first complained about this occuring on XX/XX/XXXX where I noticed that my credit score dropped by XXXX points when their system automatically submitted a \" soft inquiry '' -- without my permission. When I contacted them and asked why did their \" Soft Inquiry '' which always post with the description of \" CONS RPT ( Consumer Report ) under the company name of \" Equifax Consumer Services. '' Equifax explained to my that as part of my membership, it offers \" promotional offers '' and that they are simply \" monitoring my credit report for fraudulent activity. '' I advised Equifax that no where in their service description does it states that their soft inquiry will cause your credit score to descrease. Equifax stated it is not true that the score drops because of their soft inquiry. The falsely tried to state something changed, but could not indentify a change. I explained to Equifax that nothing had changed on my credit report ( except that my score had increased recently ) and, at the time my score dropped after their soft inquiry, I had not apply for any credit, my credit report had a \" Freeze '' in place, I had already Opted out of Promotional Offers by calling XXXX, and I did not have any boxed checked on my Equifax Membership to receive Promotional offers from them directly. \nEquifax could never explain why my credit scored dropped after their \" Equifax Consumer Services '' completed a soft inquiry. I specifically requested that they never do it again, as I do not authorize them to complete soft inquires on my credit. \nNevertheless, it happened again on XX/XX/XXXX ( have screen shots showing my credit score dropped by XXXX points on XX/XX/XXXX and by XXXX more points on XX/XX/XXXX after I made my second complaint on XX/XX/XXXX ). On XX/XX/XXXX Equifax completed another soft inquiry, however, this time it cause my credit score to drop from XXXX to XXXX. My account balances were the same, there were no new account updates, and the only inquiry was completed by Equifax Consumer Services. I immediately contacted Equifax, and the stated they made the same statements the first time I filed a complaint. This time I asked them to provided me with the complaint # XXXX in which I requested that they never complete another soft inquiry on my credit report again because it is causing my credit score to drop. I asked the Equifax rep to show me where she saw a change on my credit report that see could blame for the score drop, and she could not. The Equifax rep stated she understood my concerns. In summary, I believe that Equifax intentionally uses \" Equifax XXXXonsumer Services '' soft inquiries to target specific geographic location, and target individuals whose credit card scores are increasing, possibly because they are receiving payment from 3rd party credit card company to make high interest rate offers, or someone within Equifax is intentionally sabotaging my credit score so that it drops, as the Soft Inquires by Equifax only appear after I've had a recent credit increase. I believe this is discrimnation and sabotage done either by how they have coded their algorythms, or it is being done by a \" bad actor '' at Equifax. I have proof via screen shots that there were no changes on my credit report on XX/XX/XXXX when my scored dropped from XXXX to XXXX and from XXXX to XXXX after I filed a complaint on XX/XX/XXXX. I would like for Equifax to remove the \" soft inquiry '' as it was done after I specifically advised them the first time it happened that they are not authorized to run soft inquiries on my credit report, and they agreed. I would like this matter investigated. \n\nCOMPLAINT # 2 against EQUIFAX : As a paying member, I have the option on my membership to have 2FA authentication activated, but it does not work. The box to turn it on remains grayed out, and my account is often compromised, every other day, because I have no protection outside of using a basic password -- which offers no protection at all. I was already impacted by EQUIFAX 's credit breach in XXXX, yet Equifax, still, has not allowed more security on the account outside of using a simple password. This is unbelievable.","date_sent_to_company":"2023-05-04T02:50:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6924915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-04T02:04:55.000Z","state":"MI","company_public_response":null,"sub_issue":"Received unsolicited financial product or insurance offers after opting out"},"highlight":{"complaint_what_happened":["The <em>falsely</em> tried to state something changed, but could not indentify a change."],"issue":["Improper use of <em>your</em> report"]},"sort":[9.325681,"6924915"]},{"_index":"complaint-public-v1","_id":"9317628","_score":9.215869,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am the victim of an online XXXX fraud scam that I encountered on XXXX XXXX that in total stole {$2600.00} from me and attempted to steal much more than that. Last month I found an apartment advertised on XXXX that I indicated I was interested in. The lessor then responded to me and we began a 2.5 week communication. I just moved to the area and was in a temporary housing situation at the time. The lessor, going by the name XXXX XXXX sent multiple photos of the place as well as a video tour. I was told that I couldnt see it in person as there was a tenant currently in the space. The subject address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. \n\nI was very interested and the man told me there was another person also interested so I needed to make a quick decision. I signed a lease with him on XX/XX/XXXX for 3 months with an addition 3 month option. He insisted I provide some good faith money to to take the advertisement down from XXXX. On XX/XX/XXXX I sent {$500.00} to his wife XXXX XXXX via XXXX to XXXX. But before I would send the funds I asked to see proof of ownership. So the texted me a pdf of his XXXX electric bill, in his. Name, at the unit. The bill appeared to be authentic so I sent the money as agreed, and he promptly emailed me a receipt. \n\nThe rest of the money for the deposit, first months rent, and a cleaning fee was due when I received my first paycheck, on XX/XX/XXXX. On that day XXXX complained that his wife and him were having a dispute over the money and asked that I send the second installment to his daughter, after a couple of attempts to have it delivered to other email addresses ( aliases ) that didnt work on XXXX XXXX Finally I was able to transfer {$2100.00} to XXXX XXXX via XXXX to XXXX, and he promptly sent me another receipt. \n\nThen on XX/XX/XXXX I was sent an email chain between XXXX and the XXXX XXXX where in he told me I needed to pay the full rent amount upfront ( an additional {$3000.00} ) because the XXXX XXXX didnt approve of a short term lease. The person on the email chain is XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX No phone number was listed. I have no idea whether this person exists or whether this is another of his aliases. I refused to send the additional money because it violated our lease agreement, and frankly, because I didnt have it. So after back and forth for about XXXX hours he told me not to worry about it, that he had resolved the issue. \n\nOn XX/XX/XXXX I was supposed to take possession of the place as agreed. That day XXXX stopped responding to me. His phones became disconnected. Emails to him bounced. And I realized I had been scammed. I had to arrange for an emergency place to move into in XXXX hours, a traumatizing and expensive experience. I contacted the XXXX Police Department and filed a report that evening. So far nothing has come of the investigation. XXXX and I have been trading phone calls for XXXX weeks but because they only call during business hours I have been unable to speak with them. There is no one to contact at XXXX. \n\nI disputed the charges with my bank, PNC, on Saturday XX/XX/XXXX, the earliest I could after I found out about the fraud. On XX/XX/XXXX, two letters were mailed to me denying the disputes. I am familiar with Reg E and I was never contacted by the bank requesting a copy of the police report, asking for evidence, or with questions. I do not believe a valid investigation was performed as is required by the law. The reason stated in the letters is that I had authorized the transfers, which I don't deny. But authorizing transfers on the basis of fraud is not authorization per Reg E. Once I found out these disputes were denied, I again filed another set of disputes and submitted evidence of the fraud as well as evidence of a police report. I was told by XXXX XXXX yesterday on the telephone however that both my disputes had again been denied, this time the basis for the denial was that XXXX disclosures state the app is only for use with family and friends. Again this is false, because PNC advertises XXXX for use with businesses on its website. You can not deny someone Reg E protections based on your disclosures, while at the same time promoting the use of XXXX for business reasons. This violates both the spirit of the law and the letter of the law. Indeed many large banks are interpreting Reg E as applying to XXXX transactions, unfortunately my bank, PNC does not. That is unfortunate considering they are one of the largest owners of XXXX, which creates a conflict of interest as well as am obligation ( based on Reg B ) to do what is in the interest of their depositors. \n\nI feel like I have now been victimized twice. Once by an imposter who defrauded me. And a second time by my bank who benefitted from the fraud and did nothing to help me. They failed to perform a real investigation and they used their vague 'disclosures ' as a means to avoid liability that I believe I they legally have. I think the cfpb should investigate these practices and that banks like PNC, who are hiding behind disclosures and sketchy corporate relationships should be forced to change.","date_sent_to_company":"2024-06-21T20:49:59.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"941XX","tags":null,"has_narrative":true,"complaint_id":"9317628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-06-21T20:15:23.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was told by XXXX XXXX yesterday on the telephone however that both my disputes had <em>again</em> been denied, this time the basis for the denial was that XXXX disclosures state the app is only for use with family and friends. <em>Again</em> this is <em>false</em>, because PNC advertises XXXX for use with businesses on its website. You can not deny someone Reg E protections based on <em>your</em> disclosures, while at the same time promoting the use of XXXX for business reasons."]},"sort":[9.215869,"9317628"]},{"_index":"complaint-public-v1","_id":"5336634","_score":9.132969,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Citizen Bank refuse to remove a false transaction on the account of {$70.00}!! \n\nInvestigate an invalid charged with goods and services never rendered to the consumer. \nCitizens bank 's dispute resolution department is an absolute mess they delete charges on your account with no signatures no contracts no evidence of anything this has been going on for well over a year now and it keeps things on your account, and they do nothing about it! \nThe Consumer Financial Protection Bureau collects complaints but does not function as a behalf of the consumer I truly do understand that, but a lot of banks get away with a lot of fraud and fail to perform the fiduciary responsibilities and protecting the cardholder. \nThe reason they do this because it costs too much money for the bank to look in and protect the rights of the consumer or the cardholder because they really could care less about protecting the rights of the holder. \nThis is where the Consumer Financial Protection Bureau comes in to enforce those rights or at least try to find out what is going on by leaving invalid inaccurate transactions on the account.\n\nWe have made XXXX phone calls about this and Citizens bank does nothing! \n\nXXXX XXXX live call with Citizen : I'm speaking on a recorded line again thank you XXXX you're welcome alright so that's pretty much about it I just need to find out why this charge of {$70.00} is still in the account and should I go ahead and give you the claim number. \nI'll be able to provide further insight did you receive weather several letters and I and I keep on faxing it back to you with an explanation in fact what I'm going to do is I'm going to scan all these letters and send them directly to your department. \n\nSo I guess my question to Citizens Bank and I could probably reference the Consumer Financial Protection Bureau is that how the world did they get away with something when they know that there is no sales receipt number one there's no contracts no there is no imprint or swipe of the card there was no goods and services rendered in a still keep it on your account you know it's it's it's quite frankly mind boggling. \n\nA quick review of what's going on here OK I have a letter for all these letters out I got a letter dated XX/XX/XXXX we responded to no goods and services got a letter from you guys XX/XX/2022 we responded to got a letter XX/XX/XXXX we responded to that letter we got it also another letter XX/XX/2022 basically stating the same things again and we responded by fax last night uh on XX/XX/XXXX and in that fax it clearly states that after several phone calls with Citizens Bank consumer services department and the merchant by stating there are no signs sales receipts no goods and services rendered and there was it was mistakenly placed on the account and consented and agreed and stipulated by the merchant which is actually the XXXX XXXX XXXX and that's a sister company of the restaurant for XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is invalid inaccurate and I said please do not hesitate to call and they never call you Citizens Bank never calls you so we've you know we went over this and there's a new XXXX number which is XXXX. \n\nSo therefore whoever is making these decisions in the back office for Citizens Bank either an it's done by a computer system like like XXXX or or XXXX you know what XXXX is those little machines you talking to or it's done by a human being that's absolutely completely XXXX XXXX XXXXXXXX  and has failed to look at any of the evidence which there isn't any and furthermore to respond to something how do you respond to something with nothing with no car accident with no transaction with no goods and services rendered you know how is that even possible but we've always faxed back every time we get a letter we fax it back to you guys giving an explanation and and we just go in circles and circles and circles and circles and circles and circles and only reason why I put so much effort into it is because what happens it with {$750.00} what happens if with {$7000.00} what happens if it was a half {>= $1,000,000} you understand.You may have a legal claim if your bank doesn't tell you why they denied your disputed transaction. Claims can be awarded under this regulation even where the bank did everything else rightwhere they did a proper investigation, but they didn't follow the rules and tell you why they did what they did f there are many individuals with the same grievances, banks and other financial institutions can be XXXX through class-action lawsuits. Beyond filing a lawsuit, you have the option of filing a complaint with a government agency about your concern with the bank, which can still result in you getting financial relief. \n\nCan I XXXX a Bank?\n\nIn many cases, consumers agree to arbitration clauses in the fine print of contracts with financial institutions. These clauses limit consumers ' ability to sue. Instead, consumers are usually required to attend arbitration to settle disputes with financial institutions. A consumer protection attorney can look at the facts of your case to determine if it's possible for you to sue your bank, or if it's worth entering arbitration to attempt to resolve the dispute. \n\nWith that said, it may be possible to sue banks in small-claims court or through class-action lawsuits. Small claims court involves suing for an amount of money that is often limited to {$5000.00} or less, depending on state law. \n\nIf there are many individuals with the same grievances, banks and other financial institutions can be sued through class-action lawsuits. \n\nBeyond filing a lawsuit, you have the option of filing a complaint with a government agency about your concern with the bank, which can still result in you getting financial relief. \nWhere to File a Consumer Complaint About a Bank Option 1 : Federal Reserve Consumer Help If you have a complaint about a bank such as XXXX XXXX, XXXX XXXX, or another financial institution, the Federal Reserve System might be able to help you. The Federal Reserve is responsible for carrying out many of the federal laws that protect consumers in their dealings with financial institutions. \n\nThe XXXX XXXX XXXX, located in XXXX XXXXXXXX, works with the XXXX XXXX XXXX XXXX around the country to make certain the commercial banks that the Federal Reserve supervises abide by these laws. The Federal Reserve can help individual consumers by : Answering questions about banking practices Investigating complaints about specific banks under the Reserve 's supervisory jurisdiction Complaints about financial institutions that are not supervised by the Federal Reserve System are referred to the appropriate federal agency. \nWhat Kinds of Complaints are Investigated by the Federal Reserve? \n\nAs a federal regulatory agency, the Federal Reserve System investigates consumer complaints received against state-chartered banks that are members of the System. If you think a bank has been unfair or deceptive in its dealings with you, or has violated a law or regulation, you have the right to file a complaint. \n\nThe Federal Reserve is particularly concerned that state member banks comply with federal laws and regulations that prohibit discrimination in lending. In such cases, additional steps are taken to ensure that your complaint is promptly and thoroughly investigated. In addition, complaints alleging discrimination in housing that are covered by the Fair Housing Act are referred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nHow to File a Complaint With the Federal Reserve Before writing or calling the Federal Reserve, consumers are encouraged to try to settle the problem with the financial institution first. This may involve directly contacting senior bank management or the bank 's customer service representative for assistance. \n\nFindLaw Newsletters Stay up-to-date with how the law affects your life Enter your email address to subscribe Learn more about FindLaws newsletters, including our terms of use and privacy policy. \n\nThis site is protected by XXXX and the XXXX Privacy Policy and Terms of Service apply. \n\nIf you are still unable to resolve the problem, you may file a written complaint with the Federal Reserve. Include the following information in the complaint : Your name, address, and daytime telephone number, including area code ; Name and address of the bank involved in your complaint or inquiry ; Your bank or credit card account number ; The name of the person you contacted at the bank, along with the date, if applicable ; A description of the complaint. State what happened, giving the dates involved and the names of those you dealt with at the bank. Include copies of any letters or other documents that may help the Federal Reserve to investigate your complaint. The Federal Reserve asks that you do not send original documents, copies are preferred. Remember to sign and date your letter. \n\nIt's important to give the Federal Reserve as much information about the problem as possible ; this will assist the Federal Reserve in providing a quicker response to you. \nOption XXXX : Consumer Financial Protection Bureau If you have an issue with a credit card company, consumer loan, student loan, mortgage, or other financial services, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB is a government agency in the United States that makes sure banks, lenders, and other financial companies treat consumers fairly by offering consumer protection tools and resources. \n\nComplaints can be filed online with the CFPB 's free Consumer Complaint Database or over the phone by calling XXXX. Here is the process : You submit a complaint to the CFPB. \nThe CFPB reviews your complaint and determines if it should be forwarded to another government agency or should be sent to the company you are complaining about. \nThe company responds and reports back the action they are taking. \nWith your consent, the CFPB publishes information about the complaint on the public Consumer Complaint Database. \nYou are notified when the company responds and are able to review the response and provide your feedback. \n\nThe CFPB serves as a helpful intermediary between you and the bank you have had trouble with. It can be easier to get a response and a resolution with the CFPB 's involvement. \nOption XXXX : Your State Attorney General 's Office Each U.S. state and territory has an attorney general who serves as the top legal officer. Most attorneys general take complaints from state residents on a wide range of consumer issues, including grievances against banks and other financial services.\n\nYour XXXX XXXX office may decide to pursue an investigation into the bank, or it may just make a public or private record of your complaint. Call your XXXX XXXX  office or visit the XXXX XXXX website to find out more information. \nHow to Get Legal Help With Filing Consumer Complaints Against a Bank Has your bank violated a law or regulation? If you have suffered from unfair lending practices or had deceptive dealings with a financial institution, then assert your right as a consumer and file a complaint. \n\nWhile you can file a consumer complaint against a bank by following the above directions, you should seek help from an attorney experienced in discrimination issues or consumer protection if you have additional questions or concerns. \n\nReport problems with your bank, financial institution, lender, or broker. There are tips to help you file a complaint : Contact the branch manager, the customer service hotline, or the institution 's website.\n\nUse this sample complaint letter to explain your problem and how you want the bank to fix it.\n\nProvide copies of receipts, checks, or other proof of the transaction.\n\nIf the bank doesn't help, get help from the correct regulatory agency.\n\nComplaints About Deposit Accounts Find out which agency accepts complaints about your financial institution.\n\nContact the Office of the Comptroller of the Currency for complaints about a national bank ( has National in its name, or N.A at the end ) federal savings and loans federal savings banks.\n\nFor a problem with a state-chartered bank and trust company, contact either the Federal Deposit Insurance Corporation or your state banking authority .\n\nComplain about a federally chartered credit union with the XXXX XXXX XXXX XXXX.","date_sent_to_company":"2022-03-22T18:12:45.000Z","issue":"Wrong amount charged or received","sub_product":"Domestic (US) money transfer","zip_code":"141XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5336634","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2022-03-17T21:38:57.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Citizen Bank refuse to remove a <em>false</em> transaction on the account of {$70.00}!! \n\n<em>Investigate</em> an invalid charged with goods and services never rendered to the consumer. \nCitizens bank 's dispute resolution department is an absolute mess they delete charges on <em>your</em> account with no signatures no contracts no evidence of anything this has been going on for well over a year now and it keeps things on <em>your</em> account, and they do nothing about it!"]},"sort":[9.132969,"5336634"]},{"_index":"complaint-public-v1","_id":"7743213","_score":9.008085,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Affirm theft, and horrible business practices which have forced me into paying for things I didnt buy or have. \n-Key Facts- -Affirm is a Buy Now Pay Later platform -I have used Affirm in the past -I have notified Affirm about Identity theft, as I have the Consumer Fraud Protection Bureau. I have also disputed three loans and provided them with the proof that they require to remove the loans from my account. I have also been told by employees of Affirm that the XXXX watch was in the process of being removed, but to just continue paying it so that they dont report me to the credit bureaus for a late payment until it drops off of my account. None of them have dropped off of my account, and Affirm has gone silent regarding the investigations and evidence that I have submitted to them. Until XXXX. \n-Affirm has responded after 1 month and 12 days have passed since notifying them about my filing Identify an identity theft report with the FTC ( indentitytheft.gov report number XXXX ) on XX/XX/XXXX. During this period of time, Affirm has been automatically taking money out of my bank account for items I never purchased, have disputed, and as far as I knew were ruled in my favor and I am simply waiting for them to fall off my account, meanwhile I am still being required to pay for them until they do. XX/XX/XXXX is not the first time that I have attempted or have been in contact with Affirm about the following loans, I have tried to contact them for months about each one, including them investigating them, and finding evidence that the loans are mine : - I have also done a thorough investigation with all of my work recorded, have disputed all of affirms claims including that they have investigated anything, have been told that at least one of the loans in question is falling off since they received notice that the merchandise was returned, and have been told the other loans were investigated by them, and will be investigated again. \n-One of the five loans that they are charging me for is a XXXX XXXX. I returned that watch the day I got it and have had XXXX call them multiple times to let them know that they received it. \n-One of the five loans they are charging me for is to XXXX which they claim to have an order id for, which XXXX does not, nor do I. Affirm has told me that I need to provide a receipt for their investigation several times. Which tells me that they do not keep notes in their system, as I can not provide a receipt for something I have never purchased and does not exist. I do, however have a 15-minute video recording of myself calling XXXX to see if they can find a purchase with my name on it, to my address with that ID number. In the video recording I was told multiple times that there is no order at all, not for the amount that Affirm is reporting, That the ID number does not exist. That recording was sent to Affirm, after XXXX explained that they can not call Affirm and tell them that, despite being partners with a lending institution that is reporting false information to a creditor regarding their orders, who is and has been charging me money, for the item that they can not find, and that they refuse to call Affirm about. Luckily I video recorded the whole thing for Affirm, who ignored it and said they will investigate again, made me pay while investigating, and then ruled against me again and said that I can not speak with their investigations team about what they investigated, because they are in a \" back room '' with \" no telephones ''. \n-Affirm has not had any comment on that conversation, while I have been attempting to email them verifying their receipt of it every day, once per day around this time ( XXXX ) and having my emails bounce back at me as they do not provide accurate contact information, and consistently send notices from a Do not reply email address typically several times per day. \nXXXX After 4 months of being charged for things that I did not purchase, Affirm finally reached out to me to let me know that they heard about my Identity theft troubles : I received an email from them claiming to have heard about ID theft, and that they want to make sure everything is right. That I simply need to fill out an affidavit, and let them know which loans may be wrong so that they can investigate them. Which is exactly what I have done twice already and they have simply continued charging me. \nThey claim that they may be missing certain information while I have provided them with every piece of evidence that they need to make a common sense judgement that I can not make, and they have chosen to ignore what I have found for them, and go with their own investigation team. At this point, I would expect them to actually investigate something rather than tell me another lie about how they investigated it and found some purchase order number that XXXX can't find, or that XXXX hasn't called them, which I helped them call by three waying Affirm in, and recorded it. They will ignore facts like those and do another separate investigation for some reason. Could it be that they require me to pay while investigating? I think so. I think all of this is just a game to get people locked into loans that they are not responsible for, and then provide just the right amount of no customer service to essentially annoy the person and jab at them every day with Do Not Reply emails that talk about loans they didn't approve and seemingly can't do anything about, until the person gives up and ends up having late payments and other things that are valid, on loans that were never theirs to begin with. \n-However they demanded that I sign an Affidavit which they said was attached but was not, as well as more information about myself which they obviously do not need. Then they will restart an investigation for 30 days which is the exact process that I have been through with these loans twice already, just to pay for 30 days while they investigate the matter again, refuse to provide anything about their investigation other than you owe us and then have them act as if they brought this up out of the kindness of their hearts, but after looking into it, turns out that I owe them money rather than an issue that I have been trying to raise with them for months on multiple loans, almost every day and thought they had been already working on an investigation using the evidence ( video recordings, names of people I have spoken with, time that I have spoken with them, results of the conversation, questions for Affirm to answer ) Instead, this time I am reporting them to the Consumer Fraud Protection Agency and if you would like to see the evidence that I have given them I can happily provide it to you. I did respond to that email, and said that I would provide an affidavit and that there are still multiple items that are wrong on my account. Instead of replying to that email or sending an affidavit, later that day ( XXXX  ) I got another email from their Do Not Reply billing email, subject line Payment due in 3 days. \nThis is the same day the I received an email from them saying that they are aware of identity fraud and want to work with me to find a solution to anything that may be wrong. This emails body was filled with simply Hello, Thanks for getting in touch. We're not monitoring this inbox, but it looks like we have some relevant FAQ content that can help. We've linked to some topics below that may answer your questions.\n\nFAQ Getting started with Affirm Applying for a loan Checking your loan details Payments and billing Returns and refunds If you still need help after reviewing this information, please fill out this brief contact form and we'll get back to you.\n\nThe Affirm team And was of course sent from a Do Not Reply email address.\n\nThe number of times that this company has charged me for something I never bought, told me they will fix it, and then didnt do anything just to have the exact same conversation that I have had in the past with them, after scheduling myself a day that I can afford to lose 3-4 hours sitting on hold, is outrageous. I wish I didnt trust them from the start and would have begun counting months ago so that I would have an accurate number of times that they have used theft by deception to keep my account balance where it is. \nAgain, I am complaining about XXXX loans out of the XXXX that affirm claims are mine, highlighted below : XXXX XXXX XXXX  : XXXX *** XXXX XXXXXXXX XXXX XXXX XXXXXXXX *** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now today, XXXX, I have not been focused on Affirm as heavily as my own employement the past few days, and while working on my resume, I got an email from affirm letting me know that my payment is due for one of these fraudulent loans. No check in email about the affidavit that I asked them for multiple times, nothing about my account being potentially hacked into or however my ID got stolen, just right to business on trying to collect their fraudulent loan. \n\nPlease let me know if any of the evidence that I mention in this complaint would be useful. I have emails and recordings saved that I can not attach to this but will happily send you. \nCompanies that operate the way Affirm does need to be put out of business in extreme fashion to send a message to all of the other scammers out there that it won't fly in the banking industry.","date_sent_to_company":"2023-10-24T00:50:39.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"7743213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2023-10-24T00:32:44.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["notice that the merchandise was returned, and <em>have</em> been told the other loans were <em>investigated</em> by them, and will be <em>investigated</em> <em>again</em>."]},"sort":[9.008085,"7743213"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":61,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":61}]}},"product":{"doc_count":61,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":22}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":4},{"key":"International money transfer","doc_count":1},{"key":"Mobile or digital wallet","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Credit card","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":5}]}},{"key":"Credit card or prepaid card","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":5},{"key":"Store credit card","doc_count":1}]}},{"key":"Checking or savings account","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":4},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Debt collection","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":3},{"key":"I do not know","doc_count":1}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1},{"key":"FHA mortgage","doc_count":1}]}},{"key":"Credit reporting","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":61,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":6},{"key":"Account information incorrect","doc_count":5},{"key":"Account status incorrect","doc_count":2}]}},{"key":"Problem with a purchase shown on your statement","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":9},{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}},{"key":"Improper use of your report","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":8},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3},{"key":"Was not notified of investigation status or results","doc_count":3}]}},{"key":"Fraud or scam","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing an account","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":2},{"key":"Problem using a debit or ATM card","doc_count":2}]}},{"key":"False statements or representation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":2}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took too long","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":1}]}},{"key":"Other","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Wrong amount charged or received","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":61,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":61}]}},"company_response":{"doc_count":61,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":46},{"key":"Closed with non-monetary relief","doc_count":12},{"key":"Closed with monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":61,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":61}]}},"company":{"doc_count":61,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":8},{"key":"EQUIFAX, INC.","doc_count":7},{"key":"Experian Information Solutions Inc.","doc_count":7},{"key":"WELLS FARGO & COMPANY","doc_count":3},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"BARCLAYS BANK DELAWARE","doc_count":2},{"key":"Block, Inc.","doc_count":2},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":2},{"key":"CITIBANK, N.A.","doc_count":2},{"key":"JPMORGAN CHASE & CO.","doc_count":2},{"key":"PNC Bank N.A.","doc_count":2},{"key":"SYNCHRONY FINANCIAL","doc_count":2},{"key":"ADIR INTERNATIONAL LLC","doc_count":1},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"HW Holding, Inc","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"Phelan Hallinan Diamond & Jones, PC","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"RoundPoint Mortgage Servicing LLC","doc_count":1},{"key":"Self Financial Inc.","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1}]}},"state":{"doc_count":61,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":12},{"key":"FL","doc_count":7},{"key":"GA","doc_count":6},{"key":"NY","doc_count":5},{"key":"HI","doc_count":4},{"key":"PA","doc_count":4},{"key":"TX","doc_count":4},{"key":"CT","doc_count":3},{"key":"MI","doc_count":3},{"key":"NJ","doc_count":3},{"key":"AZ","doc_count":2},{"key":"LA","doc_count":2},{"key":"NC","doc_count":2},{"key":"MA","doc_count":1},{"key":"NV","doc_count":1},{"key":"SC","doc_count":1}]}},"company_public_response":{"doc_count":61,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":27},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2},{"key":"Company chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":61,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":7},{"key":"Servicemember","doc_count":5},{"key":"Older American, Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[9.008085,"7743213"],"3":[5.753065,"2775936"]}}}