{"took":319,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":24,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14076582","_score":19.765041,"_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> <em>system</em> I knew that this is going to be a headache and headache all over but okay it just seems the"]},"sort":[19.765041,"14076582"]},{"_index":"complaint-public-v1","_id":"2753190","_score":16.536072,"_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":[16.536072,"2753190"]},{"_index":"complaint-public-v1","_id":"12450178","_score":12.1772995,"_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":[12.1772995,"12450178"]},{"_index":"complaint-public-v1","_id":"6924915","_score":11.698247,"_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":["I first <em>complained</em> about this occuring on XX/XX/XXXX where I noticed that my credit score dropped by XXXX points when their <em>system</em> automatically submitted a \" soft inquiry '' -- without my permission."],"issue":["Improper use of <em>your</em> report"]},"sort":[11.698247,"6924915"]},{"_index":"complaint-public-v1","_id":"5336634","_score":11.48321,"_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":[11.48321,"5336634"]},{"_index":"complaint-public-v1","_id":"2897788","_score":11.378452,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian Credit Reporting on Friday XX/XX/XXXX attempted to call all of Experian phone numbers in responding to XX/XX/XXXX credit report spoke with XXXX, send in 33 copies Proving Medical ( 2 ) debt was Paid in full over a year ago still remains uncorrected. \nI have placed security freeze, fraud alerts also have reported they have fraudulent address on my report XXXX XXXX, La neither myself or my husband has never visited or lived in XXXX XXXX, LA! \nI also reported previously fraud identity issues where someone attempting to purchase a vehicle in XXXX in XXXX, La when we had not even been to that town? \nI stayed on the phone attempting to get a call through Friday XXXX XXXX No departments accepting calls? My social security number was put in about 01 to 19 times to verify identity there should be another form to prove your identity then the call disconnects itself. I call FTC and Consumer Finance.Gov to get a phone number to Experian where I could talk to a live representative same thing automated requesting social security then disconnects call. Could not get through to the Fraud, Credit freeze All departments same thing? I also called the media to complain due and investigate? I was never connected to a live representative always automated system requesting social security number then disconnects call! That recording no telling how many people had Experian have my social security number due to automated system? \nI send in 33 copies XX/XX/XXXX some which provide several bills had been paid in full for over a year and still shows on your reports as owed? I spoke to XXXX on XX/XX/XXXX then sent copies and still no corrections have been applied? \nListed under XXXX XXXX XXXX Delinquent account recovery and XXXX XXXX XXXX XXXX XXXX shows balance {$280.00} I have paid {$1000.00} To XXXX XXXX, XXXX from XXXX in which multiple physicians in clinic billed all under same account number # XXXX Medical Bill and sent ( 2 ) certified/ return receipts and no reply or response was sent to me instead reported to collections in which XXXX XXXX XXXX XXXX has reported to collections 12 separate times and has not applied my payments or corrected my balance? \nThey have also requested payments on same billing charges 2 times in which I paid and received no refund or credit? \nI have filed complaint with supporting copies to XXXX XXXXXXXX and XXXX XXXX XXXX, LA. I sent all these supporting copies on XX/XX/XXXX. In last 10 months of Bankruptcy due to fraudulent mortgage not recording payments which I also filed complaint XX/XX/XXXX and took till XX/XX/XXXX until sent response shown no record of payments but, I found error in which they removed from escrow 2 insurance payments 90 days apart totaling {$3600.00} annual insurance is : {$1700.00} XXXX XXXX XXXX paid from escrow {$1700.00} both these amount in 90 day period meanwhile Bankruptcy Attorney had us paying monthly to escrow to pay insurance and also had us pay out of pocket directly to Insurance company also. Bankruptcy paid over {$15000.00} XX/XX/XXXX payment to XXXX XXXX and since XXXX to XXXX our principal balance is still at {$72000.00}. \n( 23 years later, ) mortgage was also attempting to intimate us into modifying we refused now they are attempting to have us modify our loan again sent paperwork to our Bankruptcy attorney they send modification papers to us and state in letter they did review before sending modification paperwork to us. Motion for property correction in court since XXXX and we have received no updates to this motion, from Bankruptcy attorney? mortgage has stated will not correct property description until exit Bankruptcy and court house property description has been filed in court house records corrected since XX/XX/XXXX. Mortgage acquired loan XX/XX/XXXX. Loan # XXXX. Refuses to correct? I want permanently on our record we refuse any modification from XXXX loan in XXXX and again present date XX/XX/XXXX and do not want any modification. Credit bureau files stated from 2 separate company that we have no open real estate loan and shows {$0.00} balance on real estate XXXX XXXX XXXX, XXXX   Loan # XXXX and XXXX XXXX XXXX, XXXX - Loan # XXXX. Have receipts paid to : XXXX XXXX, XXXX XXXX XXXX, And XXXX XXXX all under loan number # XXXX. \n\nalso have billing issue with XXXX XXXX which as XX/XX/XXXX XXXX class   action suite vs XXXX XXXX. Actual amount owed {$19.00} in which they over charged {$50.00} for unreturned equipment in which I have copies XXXX XXXX XXXX tracking number 4 returns, In which returned on 1 issue Tuesday, XX/XX/XXXX Then recharged {$99.00} ( 3 ) months later after returning equipment have ups tracking slip proof equipment returned. \nXXXX Class action suite for over charging customers, kept interrupting services and attempting to charge from XX/XX/XXXX to XX/XX/XXXX services were stopped XX/XX/XXXX and XXXX put in their system false date of XX/XX/XXXX. Delayed sending return slip from XX/XX/XXXX to XX/XX/XXXX then attempting to charge and had no services after XX/XX/XXXX. \nIn XXXX called me continually doing repeatly while on Do not call list for 5 years now. I have recorded multiple conversations one of which I stated do not call or contact me for promotions and no other calls, no exceptions. I also have 30-40 e mail proof of incident records, XXXX stated as receiving no payment in XX/XX/XXXX I have their XXXX mail payment confirmation on that payment and many others as proof. \n\nSincerely Yours, XXXX XXXX On Tue, XXXX XXXX, XXXX at XXXX XXXX Experian XXXX wrote : Experian To ensure that youll receive emails from us, please add XXXX to your address book. To unsubscribe or change your preferences, please click here. \n\nPrivacy Policy XXXX XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX. \n\nXXXX XXXX, XXXX, an Experian company. All rights reserved. \n\nXXXX XXXX XXXXXXXX XXXX, TX, XXXX, US Experian Also unable to login to CFOB and has nit sent in new login link after several request by e mail and on phone?","date_sent_to_company":"2018-05-06T07:53:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"710XX","tags":"Older American","has_narrative":true,"complaint_id":"2897788","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-05-06T02:31:46.000Z","state":"LA","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":["I <em>have</em> recorded multiple conversations one of which I stated do not call or contact me for promotions and no other calls, no exceptions. I also <em>have</em> 30-40 e mail <em>proof</em> of incident records, XXXX stated as receiving no payment in XX/XX/XXXX I <em>have</em> their XXXX mail payment confirmation on that payment and many others as <em>proof</em>."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[11.378452,"2897788"]},{"_index":"complaint-public-v1","_id":"2897553","_score":10.863765,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX Credit Reporting on Friday XX/XX/XXXXattempted to call all of XXXX phone numbers in responding toXX/XX/XXXX credit report spoke with XXXX, send in 33 copies Proving Medical ( 2 ) debt was Paid in full over a year ago still remains uncorrected.\n\nI have placed security freeze, fraud alerts also have reported they have fraudulent address on my report XXXX XXXX, La neither myself or my husband has never visited or lived in XXXX XXXX, LA!\n\nI also reported previously fraud identity issues where someone attempting to purchase a vehicle in XX/XX/XXXX in XXXX, La when we had not even been to that town?\n\nI stayed on the phone attempting to get a call through Friday XXXX-XXXX XXXX No departments accepting calls? My social security number was put in about 01 to 19 times to verify identity there should be another form to prove your identity then the call disconnects itself. I call FTC and Consumer Finance.Gov to get a phone number to XXXX   where I could talk to a live representative same thing automated requesting social security then disconnects call. Could not get through to the Fraud, Credit freeze All departments same thing? I also called the media to complain due and investigate? I was never connected to a live representative always automated system requesting social security number then disconnects call! That recording no telling how many people had XXXX  have my social security number due to automated system?\n\nI send in 33 copies XX/XX/XXXX some which provide several bills had been paid in full for over a year and still shows on your reports as owed? I spoke to XXXX  onXX/XX/XXXX then sent copies and still no corrections have been applied?\n\nListed under XXXX XXXX XXXX Delinquent account recovery and XXXX XXXX XXXX XXXX XXXX shows balance {$280.00} I have paid {$1000.00} To XXXX XXXX, XXXX  fromXX/XX/XXXX-XX/XX/XXXX in which multiple physicians in clinic billed all under same account number # XX/XX/XXXX Medical Bill and sent ( 2 ) certified/ return receipts and no reply or response was sent to me instead reported to collections in which XXXX XXXX , XXXX  has reported to collections 12 separate times and has not applied my payments or corrected my balance?\n\nThey have also requested payments on same billing charges 2 times in which I paid and received no refund or credit?\n\nI have filed complaint with supporting copies to XXXX XXXX XXXX XXXX   XXXX XXXX, LA. I sent all these supporting copies onXX/XX/XXXX. In last 10 months of Bankruptcy due to fraudulent mortgage not recording payments which I also filed complaint XX/XX/XXXXand took till XX/XX/XXXX until sent response shown no record of payments but, I found error in which they removed from escrow 2 insurance payments 90 days apart totaling {$3600.00} annual insurance is : {$1700.00} Ocwen Loan Servicing paid from escrow {$1700.00} both these amount in 90 day period meanwhile Bankruptcy Attorney had us paying monthly to escrow to pay insurance and also had us pay out of pocket directly to Insurance company also. Bankruptcy paid over {$15000.00}XX/XX/XXXX payment to Ocwen Loan and sinceXX/XX/XXXX to XX/XX/XXXX our principal balance is still at {$72000.00}.\n\n( 23 years later, ) mortgage was also attempting to intimate us into modifying we refused now they are attempting to have us modify our loan again sent paperwork to our Bankruptcy attorney they send modification papers to us and state in letter they did review before sending modification paperwork to us. Motion for property correction in court sinceXX/XX/XXXX and we have received no updates to this motion, from Bankruptcy attorney? mortgage has stated will not correct property description until exit Bankruptcy and court house property description has been filed in court house records corrected since XX/XX/XXXX. Mortgage acquired loanXX/XX/XXXX. Loan # XXXX. Refuses to correct? I want permanently on our record we refuse any modification from Ocwen loan inXX/XX/XXXX and again present date XX/XX/XXXX and do not want any modification. Credit bureau files stated from 2 separate company that we have no open real estate loan and shows {$0.00} balance on real estate XXXX XXXX XXXX, XXXX XXXX  # XXXX and Ocwen Loan Servicing, LLC  - Loan # XXXX. Have receipts paid to : Ocwen Loan,   XXXX XXXX XXXX, And XXXX XXXX all under loan number # XXXX.\n\nalso have billing issue with XXXX XXXX which asXX/XX/XXXX XXXX class action suite vs XXXX XXXX. Actual amount owed {$19.00} in which they over charged {$50.00} for unreturned equipment in which I have copies XXXX XXXX XXXX tracking number 4 returns, In which returned on 1 issue Tuesday, XX/XX/XXXXThen recharged {$99.00} ( 3 ) months later after returning equipment have XXXX tracking slip proof equipment returned. XXXX Class action suite for over charging customers, kept interrupting services and attempting to charge from XX/XX/XXXX to XX/XX/XXXX services were stopped XX/XX/XXXX and XXXX  put in their system false date of XX/XX/XXXX. Delayed sending return slip from XX/XX/XXXX toXX/XX/XXXX then attempting to charge and had no services afterXX/XX/XXXXXX/XX/XXXX.\n\nIn XX/XX/XXXX called me continually doing repeatly while on Do not call list for 5 years now. I have recorded multiple conversations one of which I stated do not call or contact me for promotions and no other calls, no exceptions. I also have 30-40 e mail proof of incident records, XXXX  stated as receiving no payment inXX/XX/XXXX I have their e mail payment confirmation on that payment and many others as proof.\n\nSincerely Yours, XXXX XXXX On TueXX/XX/XXXX at XXXX XXXX XXXX  wrote : XXXX  To ensure that youll receive emails from us, please add XXXX to your address book. To unsubscribe or change your preferences, please click here.\n\nPrivacy Policy XX/XX/XXXXXXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX.\n\nXX/XX/XXXX XXXX, Inc., an XXXX company. All rights reserved. XXXX XXXX XXXX XXXX TX, XXXX, US XXXX Also unable to login to CFOB and has nit sent in new login link after several request by e mail and on phone?","date_sent_to_company":"2018-05-08T14:08:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"710XX","tags":"Older American","has_narrative":true,"complaint_id":"2897553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-05-06T03:53:22.000Z","state":"LA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> recorded multiple conversations one of which I stated do not call or contact me for promotions and no other calls, no exceptions. I also <em>have</em> 30-40 e mail <em>proof</em> of incident records, XXXX  stated as receiving no payment inXX/XX/XXXX I <em>have</em> their e mail payment confirmation on that payment and many others as <em>proof</em>.\n\nSincerely Yours, XXXX XXXX On TueXX/XX/XXXX at XXXX XXXX XXXX  wrote : XXXX  To ensure that youll receive emails from us, please add XXXX to <em>your</em> address book."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[10.863765,"2897553"]},{"_index":"complaint-public-v1","_id":"3753976","_score":10.655668,"_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":[10.655668,"3753976"]},{"_index":"complaint-public-v1","_id":"7743213","_score":9.793576,"_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":[9.793576,"7743213"]},{"_index":"complaint-public-v1","_id":"13300749","_score":8.806961,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear financial protection bureau of America, I would like your help. I have had extreme financial abuse since XXXX and I know you have savvy investigators, hard-working Americans that investigate fraudulent activity, unauthorized charges and identity theft by large bank in XXXX. \n\nWe must stop the fraud that destroys wealth in XXXX. I believe we should be working hard in XXXX and creating wealth not destroying it. \n\nSince XXXX Ive been a victim of fraud, identity theft, and loss of money that I earned by very hard work and investments, by Chase Bank. I wont be able to go over every transaction but I will give you an example. \n\nOn XX/XX/XXXX I had a ATM debit from a non-Chase ATM for {$72.00} and a three dollar ATM fee by Chase Bank. As you savvy bankers know the ATM is not going to approve a {$72.00} withdrawal at a no Chase ATM. ATM withdrawals are in multiples of 20s up to $ {$500.00}. The second thing that happened on the specific transaction was the address for the transaction and where the ATM was located was in XXXX XXXX. I know for a fact, and I have many many witnesses that I was in XXXX XXXXXXXX XXXX  specifically XXXX XXXX working for a little company. Actually, I think I was working selling products on XXXX. Ive never been to XXXX XXXX in my life and of course it said it was non-Chase ATM withdrawal so they charge me three dollars. \n\nLike I said, Ive been a victim of identity theft, fraud and horrible abuse by banks especially Chase. \n\nI have hundreds of documents that your agency or agencies that you wan na contact can review and look over if you would like please just let me know what you need. I dont think I can add documents to this email. \n\n\nAnother example oh this financial abuse was in XXXX, I was XXXX XXXX XXXXXXXX with my son and there was a large amount of fraud happening on my Chase Bank account. I called it. They shut down the card. I had to have my sister and family buy me an airplane ticket and food back to XXXX XXXX. This has been going on for XXXX years or longer so when I talk about it, no one wants to hear about it and Ive been hurt and locked up in a psych ward for speaking the truth in XXXX. \n\nNo one has believed me and I have evidence in documents of this. I dont believe all banks steal money from their clients but some banks do and ChAse is a number one bank with {$3.00} trillion and theyre probably printing money in their basement lol. No the federal reserve prints money and distribute it to banks, but banks are also giving out loans. They are the ones that are building skyscrapers and renting out the space. Banks run the the world, but they also are stealing from specific clients and if you talk about it, youre locked up in mental institutions, which is really sad because I have documented proof. \n\nIve contacted the Federal Reserve I think many times and I dont know if Ive contacted the consumer finance bureau that protects American banking customers but I have contacted several agencies that are government and not had any response. I believe and I will keep reporting this financial devastation to government agencies until I am paid back and until I can regain my life. I believe I owed a couple million dollars for the pure abuse that continues to happen not to mention the {$7.00} million that has been taken from my wealth.\n\nI also know Chase Bank has {$3.00} trillion and is the richest bank in the world. I believe they set up fraud and take money out of peoples accounts and understand how it works so they also report it and other banks get fined and they collect that money to build their wealth. \n\nI understand that a bank earns money by selling their money or loaning it out, and they collect interest. But I truly believe that bank steal from banks by getting an account number and a routing number and taking money from another account via ATM withdrawals fees or false withdrawals by a company. For example, if I shop at XXXX every month, they may take an extra withdrawal from XXXX knowing that it might be me it might not be me, but they know what they do and the banks that does it reports it to a government agency and it is investigated, and there are large fines associated with it. \n\nI dont need to explain banking to your agency at this point I was going to, but I have been talking too much into my app. I just wan na your agency to know that I have hundreds of documents that you can review to see if Im telling the truth I would like Chase Bank fined, Jpmorgan Bank in XXXX XXXX that says I have an account and that Im the primary beneficiary of the account, XXXX XXXX XXXX fined And XXXX XXXX fined. \n\nI wan na apologize in advance that this is kind of a long story because its taking me a long time for me to understand banking and investigate how this continues to happen to me. Im terrified now of losing all of my money that I created and that my family created and being a XXXX XXXX  because of this horrible fraud, deception and stealing of my personal wealth. \n\nI also learned that its a XXXX year federal jail sentence for anyone that is stealing money out of a bank account and a {$1.00} million fine for the bank that is doing it or company that is doing it. I can say with 100 % certainty that Jpmorgan Chase, Bank and XXXX XXXX need to be fine large amounts of money that can go back into the federal reserve. I would like to be the one that reported its and Im thinking of telling XXXX about this Which I know the federal reserve would not like that information announced on television because it could destroy the XXXX economy. People would not feel safe putting their money into banks they would hide it under their beds and Cash. \n\nThe only thing I could think of is, I had a bank named XXXX XXXX that was managing my money in XXXX XXXXXXXX XXXX  since XXXX. I also had a bank account with XXXX XXXX XXXX XXXX and way banks can create wealth is they can take your account number and routing number-and they know all of your information and they can steal money from you and then make reports under fake or false identities and collect the large fines. \n\nI reported some of this information to the Federal Reserve a couple of years ago and Ive probably reported this to the FBI. I see XXXX and other agencies that I deemed appropriate. I do not know what agencies are really versed in severe investigations of putting Fraud to an end. Chase Bank does not want to be fined large amounts of money so it closes my accounts and shuts me down and causes me stress of looking for a new bank account so I cant report the fraud. \n\nThey also say that the fraud is invalid well I know its not invalid. Its been going on since XXXX. Maybe it was XXXX bank maybe it was XXXX XXXX XXXX XXXX maybe its XXXX XXXX or another bank stealing from another bank but bank steal from banks. \n\n\nXXXX XXXX and Chase Bank and people up high in the company know how to commit fraud, identity theft, unauthorized charges and steal money from consumers while shutting down their accounts, making them valuable to the operation. \n\n\nAnd sadly when I spoke about the banking fraud and large unauthorized charges I never received the money back and my account was shut down at Chase Bank and several other banks like I said I cant get a bank account today and I have over {$11.00} million. Thats depleting very fast. \n\n\nXXXX XXXX, they called my dad and said that I need to be institutionalized which is very sad. \n\n\nI know the consumer financial protection bureau knows banking can be extremely complicated, but I also understand that it is a process to investigate all the fraud thats going on in XXXX right now and all the unauthorized charges. Im telling you that this needs to end because Americans cant be wasting hours of their life, trying to recover money that was their earned by a job or investments. \n\nXXXX should be working creating more wealth and making XXXX a better country. We all can work harder at creating better things. \n\n\nIts funny. I have a lot of faith in the government agencies because I know theyre no XXXX and they want to protect XXXX \n\n\n\nWe have a beautiful country with a lot of organizations and I think I have reported this to the wrong organizations in the past. I understand that the federal reserve is what monitors monitory policy in the United States. \n\nAnd I could talk about the Federal reserve for hours, but Im just mentioning that right now. \n\nLike I said, a Conservatorship, of person and estate went into fact and my XXXX XXXX XXXXXXXX was doing a Fedwire into my Chase bank account and it says that Im the beneficiary of an account at Chase Bank in XXXX XXXX XXXX. I took many pictures of it whenever I try to look into that account it says I dont have an account. XXXX XXXX is my Conservator of person and XXXX collects money from my money manager and a couple years ago did fed wires into my Chase Bank account. She has to have my account number and routing number to do the XXXX. I dont know how to do a XXXX although I am a fed with the experience of banking. Ive been dealing with for XXXX years. \n\n\nHere is a picture of the fed wire Thats why Chase Bank is worth {$3.00} trillion and theyre on every corner block in the city and even in rual areas. \n\nBecause I believe theyre stealing XXXX money and shutting down the accounts if the consumer reports it and theyre also using false identities to collect fines from the government agencies that are working really hard to stop this abuse. \n\n\nXXXX XXXX XXXX is the central bank of the United States. It performs five general functions to promote the effective operation of the U.S. economy and, more generally, the public interest. The Federal Reserve * conducts the nations monetary policy to promote maximum employment, stable prices, and moderate long-term interest rates in the U.S. economy ; * promotes the stability of the financial system and seeks to minimize and contain systemic risks through active monitoring and engagement in the U.S. and abroad; * promotes the safety and soundness of individual financial institutions and monitors their impact on the financial system as a whole; * fosters payment and settlement system safety and efficiency through services to the banking industry and the U.S. government that facilitate U.S.-dollar transactions and payments ; and * promotes consumer protection and community development through consumer-focused supervision and examination, research and analysis of emerging consumer issues and trends, community economic development activities, and the administration of consumer laws and regulations.\n\nIts funny because a beautiful woman who I talk to you once in a while and I talk to her husband used to work for the Federal Reserve. Her name is XXXX XXXX. \n\nI have pictures of my bank statements that dont add up with the accounting. \n\nMy story is a true and my nightmare began then that led to a lot of horrible other things that have caused traumatic injury to myself and my lifestyle. \n\nI am seeking help from your to bureau and you are welcome at any time to review all the court documents I have I have hundreds, unfortunately. \n\nI also have hundreds of documents from XXXX XXXX where the Fraud originally started I believe. \n\n\n\nI have lost a lot of money, and I never shouldve lost this money. It shouldve been wisely and prudently invested. I live on less than {$100.00} a day, and my money has been destroyed by fraud and unauthorized charges and stealing of banks by banks. I truly believe the Professional money managers like XXXX XXXX know how to make money because that is their profession. They also know how to steal. \n\nInstead, they stole money out of my Chase account. Locked me up in mental institutions for reporting it and complaining about it every month saying I was crazy while they continue shutting down my bank accounts constantly so now I cant get a bank account when I have over {$11.00} million. I cant get a bank card. I cant get a credit card and theyve destroyed my life financially taking over {$7.00} million.\n\nThank you for taking your precious time and reading my report. I also look forward to working with your bureau to end the destruction of financial trauma in XXXX again we should be building wealth not destroying it. \n\nThank you so much. I look forward to hearing from you. \n\n\nPlease call me at XXXX. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T20:22:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"13300749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-02T12:46:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Dear financial protection bureau of America, I would like <em>your</em> help. I <em>have</em> had extreme financial abuse since XXXX and I know you <em>have</em> savvy <em>investigators</em>, hard-working Americans that <em>investigate</em> fraudulent activity, unauthorized charges and identity theft by large bank in XXXX. \n\nWe must stop the fraud that destroys wealth in XXXX. I believe we should be working hard in XXXX and creating wealth not destroying it."]},"sort":[8.806961,"13300749"]},{"_index":"complaint-public-v1","_id":"9649035","_score":8.283563,"_source":{"product":"Prepaid card","complaint_what_happened":"Lets begin this with the most important thing...\n\nYOU HAVE GONE INTO YOUR SYSTEM AND CHANGED LEGAL DOCUMENTS SOMEWHERE BETWEEN XX/XX/XXXX AND XX/XX/XXXX. YOU HAVE REMOVED THE DOUBLE DEBITS, YOU HAVE ADDED DESCRIPTIONS, ALTHOUGH THEY ARE WRONG THEY HAVE BEEN ADDED AND NOT SEEN PRIOR TO XXXX XXXX. THE BANK DEPOSITS AND CREDITS HAVE ALL BEEN CHANGED BY YOU WHY IS THAT? I WAS SENT THIS PAPERWORK XX/XX/XXXX VIA EMAIL BY XX/XX/XXXX IT HAS ALL BEEN CHANGED COMPARE THE TWO. IS THIS LEGAL ARE YOU ALLOWED TO REMOVE AND REWRITE A DOCUMENT THAT HAS BEEN SENT OUT PRIOR. I TOLD YOU WHY I LIKED HAVING THIS SENT AND THE GUY ON THE OTHER END NOT KNOWING WHY BECAUSE HE SENT ME REAL TRUE DOCUMENTS AND NOT THE NEW AND IMPROVED YOU ARE NOW TRYING TO PASS OFF. YOU HAVE CHANGED REMOVED REWRITTEN MY BANK TRANSACTIONS. YOU HAVE ADDED THINGS LIKE STORE RETURN. DO YOU SEE THE VET YOU ADDED AS A STORE RETURN?? UM ITS MY VET WHAT XXXX XXXX  CAN I RETURN TO THEM? YOU SCREWED UP AND PICKED RANDOM TRANSACTIONS AND MADE UP WHAT HAPPENED WITH THEM. XXXX IS ANOTHER XXXX  IS NOT SOMETHING YOU CAN RETURN? YOU SHOULD HAVE DONE YOUR RESEARCH BEFORE MAKING CHANGES THAT STICK OUT LIKE YOURS DO. A VET RETURN AND A XXXX XXXX. \n\nI DONT BELIEVE YOU CAN GO IN AND REMOVE DEBITS FROM MY ACCOUNT CAN YOU? CAN YOU MAKE UP STATEMENTS AND TRANSACTIONS LIKE YOU HAVE? I THINK THESE NOW BECOME FALSE RECORDS. RIGHT? I AM GOING TO CHECK HERE AND SHOW THE CFPB, THIS IS WAS SENT TO THE ATTORNEY GENERAL AND I THINK THE OCC AND THE FTC THIS IS LIKE FORGERY MAYBE ITS YOU WHO TOOK MY MONEY YOU DID HAVE SOME INHOUSE PEOPLE STEALING DURING COVID. AND YOUVE HAD TO COVER AN ORIGINAL DOCUMENT AND MAKE CHANGES THAT BEHOOVE YOU. AGAIN I THINK THIS IS AGAINST THE LAW. I TOO WILL BE GOING BACK TO THE XXXX AND CHECKING WITH THEM. FORGERY XXXX  ITS MUST FALL UNDER SOMETHING BECASE YOU JUST CANT ERASE HISTORY RIGHT??? AND THAT IS WHAT YOU HAVE DONE. SHOCKED IS WHAT I AM. I TOO WILL BE CHECKING IN WITH AN ATTORNEY. YOU HAVE REMOVED AND ADDED TO SUIT YOU. GOOD THING I SAVE EVERYTHING BECAUSE WHAT YOU HAVE DONE CANT BE LEGAL AT ALL. AND ITS ATTACHED TO THIS COMPLIANT Looking at the letters you have attached to your reply here. You are correct, the last time I wrote to complain about Bank of America was XX/XX/XXXX2 when I complained right here on the CFPB : I have my own copy and did not need you to send me anything.\n\nYou are very confused as far as the claims go You have turned my old XXXX XXXX claims into brand new ones. Nothing is new, nothing has been added or changed since my police report. And if any changes were made, t hey were done by you, not me. \n\nI spoke to XXXX XXXX supervisor in XXXX and she told me that none of my original bank statements were available anymore I was connected to and emailed a copy of debits and credits .It is XXXX pages.. I would like an explanation as to why there are double debits for nearly every transaction? I would like my account to be refunded for the double debits. \n\nXXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX to me Thank you for contacting prepaid customer service. The statement ( s ) you have requested are attached. As a reminder, you can view past statements online at any time by visiting the website printed on the back of your card.\n\nPlease do not reply to this message, you will not receive a response. If you need further assistance, please contact Prepaid Card Customer Service at the number on the back of the card.\n\nThank you, Bank of America Customer Service I have not been able to view statements online for years now. Your system says I am puting in the wrong SS # Just tried it again. No luck! \n\nYou are misinformed by thinking that the money I got back was on returns??? XXXX, XXXX, XXXX Dentist, my vet??? Come on really??? those are not returns!! That is called double debit or fraud. Probably hard for you to tell the difference when youre looking at a map to base your decision on a claim. Looking at a map, viewing shopping habits seems a bit outdated. dont you think? And if you dont live in XXXX  you could not base a decision on a claim by viewing a map.. Take a look at the photo of a typical day. Why dont you see where the closest BofA is to my home??? You could see I could walk a block and be at an ATM. XXXX seems a bit far. As does anywhere else. I know that my IP address was not the IP address used for the online shopping portion of the fraud. I was told that already. I was also told that I am happy you brought up refunds. I don't show a single store refund for my XXXX and XXXX returns. Where is the credit for my store returns? I have continued to ask where they are. \n\nI believe you feel youre delivering the info requested by me, But, youre not! Let me explain what I need from you another way. You have issued claims numbers to me. The claims decisions that arrived to me XX/XX/XXXX. Now when were those claims opened?? In XXXX This is where the problem is and the time of 3.5 years has gone by..\n\nLooking at the decision letters you sent from XX/XX/XXXX we have Claim # XXXX {$2500.00} Claim # XXXX {$6600.00} Claim # XXXX {$1700.00} These are not new claims. Your decision was to deny all of them. I asked what you based your decision on. But more importantly I asked you to send me the transactions under each of the claims numbers. I wanted the transactions under each one of the claims which I would assume would total the dollar amount. I was sent 20 pages of transactions totaling over XXXX. Not correct. I have never had that much fraud on this account. This was sent as your proof of what??? How you went sideways with this and made a mess???? 20 pages where 90 % are true legit transactions shows me nothing. Please send what I have requested and that is once again the transactions under each of the claims numbers above that match the dollar amount of the claim. Since XXXX XXXX XXXX which is when the above were opened to present the dollar amount has changed. Having these transactions and the dollar amounts will give me a more clear picture of what's transpired. I can also check off the list the places that have sent me my money back. And they werent store returns as your letter to the CFPB states. \n\n\nMy email to XXXX XXXX XX/XX/XXXX we had made it down to close to XXXX so things were moving in the right direction. XXXX XXXX put a gentleman in charge, XXXX XXXX XXXX ; he was like XXXX XXXX but at a very high level He then in turn got XXXX XXXX involved and those two were supposed to be with me until this issue was solved. They had my police report, the list of transactions, the name of the private owner of the ATM. They, like the others in the prepaid claims, knew that video and photos were available. All anyone had to do was request it. And nobody did. WHY???? \n\n\nXX/XX/XXXX you were sent a police report which discussed my computer hacking my personal bank account that was wiped clean, another credit card being used as well as my concerns about my identity. The difference between Bank of America and my other creditor is that the other who I have been with for over 30 years could clearly see the fraud. Now they would know my shopping activity and habits. You, not at all. I was spending to save my business, not a typical shop day out with the girls. You are blind to the fraudt! Keep in mind you thought it was possible for me to be at a XXXX dentist. An ATM in XXXX and a shopping spree at XXXX XXXX within the same 30 minutes. Does this make sense????? Does it fit your map theory?\n\nNow I am told that youve not taken into consideration my police report?? You need to factor that in. It is huge!! XXXX in XXXX XXXX  saw it three weeks ago.I asked him about it and he said it is sitting in front of those who make big decisions Go and check the call. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. They all had it. How did you lose it? Seems to me to be just as important and if not more important than the statements that have been tampered with. Is this how your bank operates? They dont like something that is not in their favor and its deleted or changed??\n\nAt the start your 24 hour turn around denied claims were being run through an auto feeder that has since been ruled by a judge that it cant be done.\n\nYou say in your response to the CFPB that you have reevaluated my claims. No you have not because that would take more than pulling out your map and deciding how close I lived to the transaction when you decide its mine. It would also take the merchants knowing that there are some fraud concerns and you failed to do that with any of the merchants back when this began and now like I have said the hands of time are not on my side. How did you expect for merchants to hang on to this for 4 years? Just because you arrive late to the party doesnt mean it starts over. I have said this in many faxes and emails to XXXX XXXX. The merchants no longer have to do a thing when the time limit has passed. This is up to you making this right. so please quit making up stories.\n\nIt took you 3.5 years to get back to me on the above claims that is excessive. When I heard from you it was XX/XX/XXXX. And that is why this has remained open. Let me share what I have NEVER DONE. I have never called and to give mass amounts of fraudulent transactions like your letter claims I have. That would never happen in this lifetime. I called and gave you my opening three. Sitting 4-6 hours on hold was not my cup of tea. I would fax, email, USPS and every blue moon call and speak to someone but this was never to opeb up disputes. I have never phoned you and added 65 transactions on top of multiple others! You had my police report and it was laid out beautifully as to what needed to be disputed. You should have been going down my police report transaction to transaction. There was a total of about XXXX at its very highest!!! Where or how you are coming up with XXXX, XXXX is absurd and nothing I have given to you. \n\nYou opened multiple new claims between XX/XX/XXXX, and XX/XX/XXXX, and denied because we identified multiple factors that indicate that the transactions were authorized by you or made by someone who has permission to use the card as indicated in our previous correspondence I did not open up multiple new claims between XX/XX/XXXX and XX/XX/XXXX. Those claims are the old fraudulent transactions youve failed to take care of. There was nothing new about them!!! And you need to get together with your XXXX division, the prepaid claims, XXXX  which is your payor and the executive team. I was sent a list of transactions by your prepaid claims division. They asked me to highlight the fraud I did. This was nothing new, these were the same transactions I have continued to say are not mine since XXXX. \n\nDuring our investigation the transactions were within your geographical location, including online purchases, there were no failed PIN attempts, the spending pattern was consistent with disputed and non-disputed transactions There goes your map theory, a theory that is clearly broken and should not be used to determine anything!!! Do you live in XXXX? Because if you dont you cant say that anything is close to me! It could take 45 minutes to go a mile!\n\nThose of you doing the map theory are also experts on my spending habits?? If that is true they should see that I dont spend {$700.00} on\nshopping sprees nor do I frequent XXXX XXXX XXXX yet they claim those are my transactions!! XXXX is not mine and there is nothing to return to XXXX. All XXXX transactions needed to be sent back so could you get on that? XXXX that too not mine I have a store I sell on many platforms I do not use XXXX or XXXX and those all need to be refunded back to my XXXX card. \n\nI am so tired of you accusing me of giving my card to someone else!! Do share what card that would be. I have only my original card and the two others you speak of never come here .They have never been in my possession, they were not activated or used by me!!!! You have only sent me XXXX card.\n\nthere is a history of cancelled/returned items which resulted in a credit from the merchant on disputed transactions, WRONG Again this is where you are very wrong!!! But now that youve brought up cancelled and returned items where are my returned items?? I should have XXXX XXXX XXXX. I don't see them anywhere. I would like to know how you have more XXXX transactions than I do with XXXX??? n tell you XXXX not a return XXXX, not a return XXXX XXXX, they were waiting to hear from you!!! ATM in XXXX? Privetly owned I gave you the name of the place that owns the ATM. I also said you have 90 days to grab those photos that they had., XXXX, XXXX based stores, XXXX XXXX based companies not mine!!! XXXX not mine, Do I once again need to send the transactions that still need to be sent back to my XXXX card. I actually dont do that because I have my original card. XXXX they forgot to deliver so a refund is needed. etc??? You have also failed to issue credits for my store returns. \n\n\" In addition, for claim XXXX that included ATM transactions there was no ATM footage available due to the age of the transactions '' WRONG there was i spoke to the owner of the ATM had footage was available you had 90 days to request it!! You never did. I have an email from the ATM owner and they say they never heard from you. Nobody but me has been in touch. Nice try though And XXXX XXXX they too had video waiting for you and why is the card being used white? I thought they were dark blue? Oh because the gang banger in the video made a card and pounded out numbers on it and is using it!! You see I developed relationships with the merchants I wanted to see when they heard from you and guess what? They never did. You never asked for the videos the photos or you too would have known the card being used in both cases was white. now if memory serves me yours are blue. But you didn't do anything about this because you had it already in your head these were mine. ANd they werent then and they arent today. \n\n\" Since our previous correspondence, your claim XXXX was resolved in your favor and permanent credit was issued to your account on XX/XX/XXXX, and XX/XX/XXXX, totaling {$100.00}. Please see the enclosed transaction history that reflects these credits. The above claims included the transactions that posted to your account between XX/XX/XXXX, and XX/XX/XXXX, and totaled {$8300.00}. Please see the attached document that shows the transactions included in each above claim. On XX/XX/XXXX, the claim XXXX was initiated for transactions totaling {$2500.00}, that posted to your account between XX/XX/XXXX, and XX/XX/XXXX. '' XXXX XXXX police report has the transactions and yours don't add up. I need your help with this. The fraud began around XXXX in XXXX Now its down to XXXX. Yes I have gotten the rest back and it wasn't for store refunds or returns!!! What did you all get back for me? Nothing!!! And being that your departments do not talk, nobody knows from department to department what is being asked of the customer. \n\nStill need store credits for returns on XXXX and XXXX. \nStill need all of XXXX to be returned there should be as many credits as there are XXXX transactions. Same with XXXX. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as you can see these XXXX are the XXXX XXXX  is same day different transactions ) I have never used a XXXX. Or an XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX all of them XXXX XXXX XXXX XXXX XXXX I paid XXXX once and left group XXXX was then billed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  notice two transactions back to back my card used for the next XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back to back transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is covered in XXXX XXXX amount for fraud still owed to me XXXX XXXX  Again not new items the same as has been on the police report since XXXX. \n\nYour letter states you've seen no pin errors and no checking of balances. I have had pin not been able to use or get into my account for years. I highlighted on your paperwork the balance checks. You must have missed removing this one when you removed the others. I have my original statements coming back from my records storage facility. The entire file will be back in 5 days. I urge you to look for both the many pin errors and balance checking So how can you say that never happened is wrong!!! \n\n\" On XX/XX/XXXX, the claim was reviewed and denied because we identified multiple factors that indicate that the transactions were authorized by you or made by someone who has permission to use the card. During our investigation, prior linked claims indicated that you had possession of the card, no failed PIN attempts, spending pattern is consistent with disputed and non-disputed transactions, there is a history of cancelled/returned items which resulted in a credit from the merchant on disputed transactions, and there was no evidence of aggressive or high velocity of transactions. Thank you for speaking to us in regard to the transactions included in your claims, as discussed, we received your list of transactions that you believe are unauthorized and should be included in your claims. '' There have been no new claims since my police report XX/XX/XXXX so stop with this craziness. \n\nTherefore, the below claims XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were initiated NO NEW CLAIMS SINCE XXXXnot sure what you are talking about ..Go doctor up some more documents. XXXX go back to XXXX look at the list it is the very same list today go back to my police report and review the transactions on the police report the transactions that posted to your account between XX/XX/XXXX, and XX/XX/XXXX, totaling {$12000.00} Wrong!!! Again you are lost. Clueless I have no clue what you are speaking about my police report speaks for itself as does my emails to your CEO. With confirmation of him opening the emails sent and no where has this every been XXXX. Nice try though! \n\n\" Please see the attached document that shows the transactions included in each claim.\n\nIn addition, there was no history of balance inquiries or declined attempts due to insufficient funds or cards being closed, which indicates knowledge of the account and balance '' There were balance checks. Go look at my statements. I can see them and you cant???? Go back and look. \n\nOn XX/XX/XXXX, the claims XXXX, XXXX, XXXX, XXXX, and XXXX were initiated for transactions totaling {$5100.00}, {$1800.00}, {$330.00}, {$100.00}, and {$220.00}. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the claims were reviewed and denied because we identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use the card or account WHAT ARE YOU DOING THESE ARE NOT CLAIMS FROM XXXXXXXX XXXX XXXXXXXX THESE ARE THE SAME CLAIMS FROM XXXX YOU KEEP GIVING THEM NEW NUMBERS During our investigation we found no evidence of inconsistent aggressive spending or high velocity of transactions, no attempts to use the card after it was closed, and no failed PIN attempts. Its on the paperwork you have attached to your repsonse.\n\nThere were many failed pin attempts I have not been able to get into my online edd account with you for years. It says I am imputing the wrong SS # and wrong card number. This is concerning dont you think?\n\nIn addition, we found no history of balance inquiries, no declined attempts due to insufficient funds or card being closed and there was a pattern of transactions following the card funding where the transactions would stop once the balance was used and start again after new funds were loaded, which indicates knowledge of the account and balance. Weve also included these case documents, which you may find helpful : Previous correspondence dated XX/XX/XXXX Claim correspondence Transaction history, with the Transaction Category Description section Transactions for each claim Heres our response Between the dates of XX/XX/XXXX, and XX/XX/XXXX, we have sent correspondence to you regarding your claims and our decision for those claims. In addition, we have contacted you by phone multiple times Youve contacted me multiple times?? You are joking right?? The only time my phone has rung and its been you on the other end has been after XX/XX/XXXX prior to that I phoned you and would wait 5 to 6 hours hang up and become frustrated. Which is why I stopped and began to fax, email and USPS.\n\nin regard to your concerns. We did not identify a lengthy period of time in which we did not provide correspondence to you regarding your claims. \n\nHow about from XXXX XXXX XXXX XXXX XXXX XXXX XXXX? Seems like a very longtime to me. \n\n\" Provisional credit was issued for claim XXXX in the amount of {$100.00}. Provisional credit was not issued for the below claims because under Regulation E, we must provide you with a resolution or grant provisional credit to the account within 10 days of filing the claim. We have confirmed that we completed your claims XXXX, XXXX, XXXX, and XXXX within that timeframe and your claims XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were not eligible because the transactions were over 130 days ''. \n\nXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX What are the above claim numbers?? Ive not given you anything new, everything in your system has been there since XXXX \" Our XXXX Liability policy will not hold account holders liable for any portion of thedisputed transactions if those transactions are confirmed to be fraudulent. As we found no fraud has occurred for your claims, the XXXX Liability policy would not apply. All evidence available was reviewed when making the decision of your claims. We received information from you between XX/XX/XXXX, and XX/XX/XXXX. We reviewed the documents you provided as evidence to support your claims, including written statements, requests for the evidence we relied on, requests for the transactions included in each claim and copies of claims letters. The police report and list of transactions sent in XX/XX/XXXX mentioned in your correspondence, were not included with your claims and we have no record of receiving them. '' XXXX saw the police report a few weeks ago or so he said when we were talking on the phone go take a listen to that phone call.. Go ask XXXX XXXX or XXXX XXXX in fact XXXX XXXX connected XXXX XXXX with me and then XXXX XXXX they know all about the police report. The police report and the list of transactions is a huge part of this as stated many times before.\n\n\" If you would like to provide these documents, please fax them to XXXX or mail them to : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  We strive to resolve each inquiry to our customers satisfaction and each response is based on the facts presented. '' The facts were presented, the police report sent so go find your CEO, XXXX XXXX, XXXX XXXX or XXXX in XXXX XXXX. If you need the police report again it does cost me XXXX I would have to pay which means I float you at this time. It was there three weeks ago its got to be there now.","date_sent_to_company":"2024-07-29T19:06:44.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"90034","tags":null,"has_narrative":true,"complaint_id":"9649035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-07-29T18:04:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["YOU SHOULD <em>HAVE</em> DONE <em>YOUR</em> RESEARCH BEFORE MAKING CHANGES THAT STICK OUT LIKE YOURS DO. A VET RETURN AND A XXXX XXXX. \n\nI DONT BELIEVE YOU CAN GO IN AND REMOVE DEBITS FROM MY ACCOUNT CAN YOU? CAN YOU MAKE UP STATEMENTS AND TRANSACTIONS LIKE YOU <em>HAVE</em>? I THINK THESE NOW BECOME <em>FALSE</em> RECORDS. RIGHT?"]},"sort":[8.283563,"9649035"]},{"_index":"complaint-public-v1","_id":"10981005","_score":7.900243,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX\nConsumer Financial Protection Bureau (CFPB)\nXXXX XXXX XXXX XXXX XXXX, DC XXXX\nThis is to complain against RIA XXXX: HIGH\nIMPORTANCE: HIGH\n[WITHOUT PREJUDICE]\nI wish to practice my right as a customer of RIA to use your organisation's service, seeking a formal,\nimpartial investigation to amicably settle my dispute with RIA.\nIn order to clear up the myriad of letters and correspondences I have hitherto sent to RIA respecting my\ncomplaint, I believe it will substantially strengthen both my case and your understanding, by taking a\ndeeper look at the happenings of my case, and analysing the relevant facts in an objective and\ncomprehensive fashion.\nIt is crucial to note that I have been manipulated, socially-engineered and coerced to engage these\nfraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam.\nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct\nof RIA to be commensurate with their legal role and responsibility to their customers. They sell a service\nto look after their customers, protect their money and are a financial institution that maintains a traditional\nrelationship and way of working with its customers.\nDuring the complaints process with RIA, I found their communication ineffective, which further hides\ntheir conduct to management and diminishes the service offering to their clients. They are struggling to\nadapt their business offering in the ever-changing world of IT development. The internet is presenting a\nreal problem which they choose to manage in a way which is not in line with rules and regulations of\nCFPB as well as their own internal policy and procedures sold to their clients.\nGeneral Obligation:\nCommencing on XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX (the Fraudsters or Company).\nMoney was transferred from my account in the total amount of XXXX XXXX.\nWhen determining whats reasonable and fair, we should focus on the issue of liability; common queries\ninclude, but are not limited to, the following (i)\nwhether RIA did not take notice of any rule, law, or regulation, and/or possibly missed any material\nelements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my\nfinancial safety; (ii) whether by virtue of RIAs custodianship over my funds or by its control over them,\nthey owed a fiduciary duty to the me and if so, whether that duty was breached; (iii) whether RIA\npromoted the transaction(s) in question despite being aware of the nature of the transaction(s) in question\n(iv) whether RIA was in compliance with its own policies and procedures; (v) whether RIA owed duties\nto myself, what the scope of those duties was, and whether RIA did not uphold those duties; (vi) whether\nRIAs conduct was unfair; and (vii) whether RIA has within its power the ability to, and should,\ncompensate me for the harm that has befallen me.\nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member\nadequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent\nand nature of this activity and properly communicate to the customer that such activity meets the relevant\ncriteria of fraud.\nIn providing its services to a customer, a financial institution is required by law to exercise the care and\nskill of a diligent, prudent banker. In this case, this means that the payment service provider should not\nturn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In\nother words, RIA must have had special knowledge of what was occurring or been alerted to a real\npossibility of fraud taking place. The financial institution must have known or reasonably ought to have\nknown that I was dealing with a scammer.\nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a\nsense in which the standard of care of the reasonable person involves in its application a subjective\nelement.\nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not\naverage care. The fact that most people behave in a certain way may be good evidence that the conduct is\nreasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of\nthe evidence suggests that RIA did not foresee the fraud and disregarded even the most obvious dangers\nin this respect.\nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the\nstandard of the reasonable person should be applied, and that lessons can be learnt from the errors of the\npast.\nRIAs Position:\nPlease find attached all relevant evidence below.\nRIA conspicuously touts their security as a reason to use their service. Specifically, RIA writes on\ntheir website:\nWe work hard to protect you from fraud. That's why we:\n Apply best-in-class security technologies expertise to protect you 24/7, all year round.\n Secure every method of banking we offer including online, mobile, ATM and telephone\nbanking.\n Offer free security software from our trusted tech partners to download on to your devices.\n Frequently train our employees on the latest practices in cyber and physical security.\n Give you the security tips and resources you need to protect yourself from potential threats.\nRefuting RIAs arguments from a purely logical perspective:\nRIAs position is that the features of the situation at hand do not generate a genuine obligation to protect\ninnocent and helpless victims; they are essentially arguing that common-sense-based approaches are\ndoomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful\nchoice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves\neven though ample evidence has been offered in support of this complaint.\nIn RIAs view, it is implied that we should not home in (and consequently rely) on unwritten laws,\npracticality, good judgement, reasonableness, sharpness, sensibleness, past outcomes, and insight, when\ntaking appropriate precautions. To underscore, once again, such views are at odds with common sense\nand are wildly irresponsible.\nImagine a view according to which the one and only thing that can make RIA morally obligated to do\nsomething is having it written down somewhere. Pursuant to this view, if RIA encounter the suffering of\ntotally naive victims, they are only obligated to intervene in or remedy the situation, to the degree\nrequired by written material. This is unbecoming for a reputable establishment such as RIA.\nI have reviewed the material hereto sent by RIA carefully, and it unfortunately provides no response to\nmy fundamental argument concerning the degree of care. Given its size, influence, and the resources at its\ndisposal, this establishment clearly had a far greater capacity than an individual such as myself had, to\ndetermine the level and likelihood of risk that a client such as myself is subjected to and had a duty to\nintervene as they now do to query in particular out-of-pattern transactions of this kind.\nIt is perfectly obvious that RIA, inadvertently, employs a subtle approach in addressing some of the key\nquestions in a manner which neither provides me with adequate support nor protects anything other than\nits own interests.\nIt is RIA here, who has the burden of proof, to show that it has exercised the duty of care, that is to say,\nthat RIA adhered to a standard of reasonable care in relation to the matter at issue given its extensive\nexperience compared to mine. It is RIA that claims that the damages which I have suffered in connection\nto this matter have not been reasonably foreseeable, and that my proposed degree of care is not, and has\nnot been, commensurate with RIAs capacity, experience, expertise, or scope of services in any way. To\nreemphasize, RIAs indisputable overriding purpose is by no means to purely execute transactions in a\nblind and blank fashion, but rather to strike a balance between executing those transactions and\ncapitalising on its undeniably vast capabilities to protect consumers thereby enhancing market integrity.\nApropos of the fluidity of the concept of reasonableness, all RIA has done in this regard is set up a\ndichotomy of having or not having the legal obligation under consideration, however, that does not go\none-inch toward explaining why various regulatory authorities, has maintained that financial institutions\ncan, and should, protect consumers using their systems, advanced technologies, and rich experience.\nRIA is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being\nperpetuated. If you don't question its customers instructions or raise the possibility of a scam with the\ncustomer in these circumstances, it may be liable if the red flags indicate the customer is:\n particularly vulnerable, or\n if the possibility of fraud was serious or real, not just suspected.\nThere are some recommendations to organisations for protecting customers from financial harm that\nmight occur as a result of fraud or financial abuse; and gives guidance on how to recognise customers\nwho might be at risk, how to assess the potential risks to the individual and how to take the necessary\nactions to prevent or minimise financial harm.\nThese recommendations are established as a general principle, the organisation should deliver a\nservice that:\n1) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it\nsets out systems and tools for the prevention and detection of fraud and financial abuse. As a general\npoint, it says organisations should ensure that all systems are developed using technologies and\nmethodologies that are effective in the prevention of fraud and financial abuse, through authorised\nand unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to\nthe detection of fraud and financial abuse, it says the organisation:\nA) should have measures in place across all payment channels and products to detect suspicious\ntransactions or activities that might indicate fraud or financial abuse. It then lists the following\nexamples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are\ntransactions whose amount, characteristics and frequency bear no relation to the\neconomic activity of the customer, exceed normal market parameters or have no\napparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\nB) organisations should have a process in place to ensure that staff make contact with the\ncustomer to verify the financial activity, challenge its authenticity, explain the nature of the\nsuspected or detected fraud and discuss an appropriate plan of action.\nRIA are yet to show, or otherwise provide me with, a compelling argument that their wide-ranging\nexperience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to\navert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which\nrequiring their involvement has not only been pressingly relevant but also eminently reasonable and welljustified.\nRather than empathising with and undertaking substantial efforts to convey their knowledge of the\nexistence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of\nconsumers who have been cheated out of their money and whose role in society is properly fulfilled,\npositively contributing to local economic growth, development and sustainability  RIA adopts a rather\ninsouciant attitude toward my financial predicament portrayed herein.\nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to\nensue if no responsibility is adopted by RIA in relation to this matter. I have also thoroughly detailed why\nthey cannot simply dismiss this problem by strictly adhering to legal technicalities which, after careful\nreflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to\ndisregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts,\nthereby keeping an unjust status-quo that is corrupting our society at its core.\nConclusion:\nBased on my analysis, and as confirmed by various authorities concerned with such matters, there is\nabundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall\nfraud, or at least mitigate its risk by using an effective risk management system, demonstrating their\nundisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital\narena. The use of such systems, largely based on newly adopted technologies aimed at effectively\nnavigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in\nthis connection, alongside the application of past knowledge and experience related to popular fraudulent\npractices.\nAstonishingly, I am pondering how it is that, despite being shown that RIAs business conduct was\ninsufficient insofar as background checks are concerned, they keep refuting their indisputable role and\nresponsibility in connection with the matter herein discussed. The points that I have hitherto made are too\ncrucial to be taken lightly. RIAs non-observance of the fundamental principles of justice  that is, to\ncompletely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is\ninexcusable given the size of the establishment and the vast resources at its disposal as the direct result of\nthe patronage of clients like myself.\nIf it was, indeed, solely my responsibility, we must then believe at least one of the following clauses: a)\nfinancial institutions have absolutely no role whatsoever in preventing and detecting fraud, b) the fraud in\nquestion was not reasonably foreseeable, or c) the transactions in question were not sufficiently alarming.\nIt is extremely unfortunate that RIA pushes quite hard for me to believe all three of these thingsdespite\nevidence to the contrary.\nIn summary, I respectively ask your organisation to consider my points, given your personal and\ncompanywide obligation to provide a fair and reasonable investigation into the complaint.\nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome.\nThank you. XXXX XXXX XXXX\nXXXX  THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK\nXXXX XXXX XXXX\nTo: RIA\nXXXX XXXX, California , United States\nVia Email\n[Without Prejudice]\nAttn: Complaints/Fraud Dept.\nDear Sir or Madam,\nRe: Demand Letter  Fraud\nI hope this letter has correctly found itself within your complaints/fraud department as it is essential to me that\nyou become aware of the ordeal I have had to go through.\nCommencing on XXXX XXXX I fell victim to a multilayered scam operation orchestrated by XXXX XXXX (the Fraudsters or Company) with the design, development, manufacturing, promoting,\nmarketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of\nwhich aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the\nclient losses to gains.\nMoney was transferred from my account in the total amount of XXXX XXXX utilizing your services.\nOVERVIEW\n This letter shall thrust into the spotlight, inter alia, the increasingly important role those financial\ninstitutions play in the fight against financial crime and fraud, and the pressing need for enhanced\nsupervision and vigilance within your organization.\n Heres an indisputable fact: had you looked at the wider circumstances surrounding the abovereferenced\ntransaction(s), this illicit transfer of wealth could have been prevented.\n Obviously, there is no consensus with respect to the degree and scope to which regulated and licensed\nfinancial institutions must intervene and block suspicious transactions, and indeed, in so doing,\nfinancial institutions may often cause payments to be slowed down unnecessarily or even some\nlegitimate payments may be rejected, however, please be noted that additional frictions such as slower\npayments (such as delaying payments or freezing funds to investigate) is beneficial to and welcomed\nby vulnerable customers and is widely considered to be a positive practice that is necessary in order to\nmaintain their financial safety, particularly for large-value and/or out of pattern.\n Executing transactions without proper authority is not only a severe regulatory offense but also an\nirresponsible and reckless disregard of the customers financial safety.\n Against this background, and without derogating any of my rights, I hereby hold you liable for\nfinancial and emotional harm as well as medical problems relating to this victimization and insist that\nyou reimburse my account in full within 14 days from the date of this letter.\nINTRODUCTION\nFinancial crimes and fraud investigations often involve a high degree of sophistication, complexity, and\nsensitiveness to detail. Accordingly, this letter aims to address the issue at hand as profoundly and fairly as\npossible, by taking into consideration contextual regulations, laws, and bylaws, as well as guidance, standards\nand rules promoted by supervisory authorities, relevant codes of practice and (where suitable) what was good\nindustry practice (GIP) at all times relevant hereto. The allegations contained herein are predicated either\nupon knowledge with respect to myself and my own experience, or upon facts obtained through investigations\nconducted by qualified third parties. I strongly believe that substantive evidence in support of the allegations\nset forth herein will be found after an appropriate opportunity for discovery. Key facts supporting the\nallegations contained herein are known only to the Company and/or are exclusively within their control.\nThe Company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums\nwhile knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The\noverall purpose of the scheme, in other words, was to target and defraud people who are often inexperienced\nand naive, in pursuance of illicit wealth through various fraudulent representations.\nI did not know, and through the exercise of reasonable diligence could not have discovered, the fraud\nthat was being perpetrated upon me by the Company. Fraud is commonly conceptualized as withholding\nfrom the weaker party in a financial transaction (e.g., an investor) information which is necessary to make an\ninformed, rational or autonomous decision.\nIn this regard, even access to adequate information is insufficient to achieve complete autonomy. A\ncomplication here is that the weaker party, amateur/unseasoned investors in particular, might have trouble\nanalyzing the data at hand sufficiently well to identify fraudulent schemes. Unfortunately, because financial\nproducts are often abstract and complex, there is no easy solution to this problem. Therefore, full autonomy of\ninvestors might not only require access to sufficient information, but also access to relevant technologies,\nknow-how, processing capabilities, and resources to analyze the information. A reasonable solution is that\nfinancial institutions would be required to promote transparent communication in which they track the\nunderstanding of its customers.\nAccording to the Federal Trade Commissions interpretations of certain terms (like the words deceptive and\nunfair), the FTC has found that a deceptive act or practice encompasses a representation, omission or\npractice that is likely to mislead the consumer acting reasonably in the circumstances, to the consumers\ndetriment.\nThe federal courts have defined a deceptive trade practice [i] as any act or practice that has the tendency or\ncapacity to deceive consumers and have defined an unfair trade practice as any act or practice that offends\npublic policy and is immoral, unethical, oppressive, unscrupulous, or substantially injurious to consumers.\nThe false representations and omissions made by the Company have a tendency or capacity to deceive\nconsumers, such as myself, into unwittingly providing funds that fueled the Companys fraudulent scheme\nand are therefore, by their very nature, jointly immoral, unethical, oppressive, unscrupulous, and\nsubstantially injurious to consumers.\nAs a result of the Companys deceptive trade practices, I was deceived into transferring my funds for\ninvestment returns that were never delivered. I will certainly never receive any monetary value for the\ninvestments considering the way the Company had their scheme rigged, thus causing significant economic\ndamage to me. The false statements of material facts and omissions as described above; and the fraudulent\ntransaction(s) the Company perpetrated upon me; were unfair, unconscionable, and deceptive practices which\nwould have likely deceived any reasonable person under the circumstances.\nMERCHANTS FRAUD SCHEME  ALLEGATIONS\nThe Company hired, managed, and trained personnel, and collaborated with others as accomplices to\ntheir crimes to induce fraud that resulted in my financial and psychological damages. These include,\nbut are not limited to, the following allegations, all of which involve criminal, non-regulated, and\nmalicious activities:\n1. The Company directed and instructed others to work from shell companies that were operating\nfrom various unassociated locations across the globe.\n2. The Company opened bank accounts in multiple countries and used them through their\naccomplices and strawmen from around the world to conceal and disguise the identity of\nillegally obtained proceeds so that they appear to have originated from legitimate sources.\n3. The Company intentionally committed fraudulent misrepresentation, and falsified its agent names,\ncredentials, competencies, qualifications and location. The Companys name is merely a brand name,\nofficially owned by shell corporations located offshore. In reality, the entire operation is being\nconducted from elsewhere (supposed location is evidently fictitious), and on top of that the call center,\nmarketing, and decision making, are all being performed by completely anonymous and hidden\nentities. Concealing true identities and utilizing front companies as a vehicle for a wide spectrum\nof financial maneuvers is a notorious practice of criminal organizations.\n4. The Company has blatantly violated international laws, as it has been practicing without a\nlicense and funneling enormous sums of money, through countries and jurisdictions that require\nregistration to operate.\n5. The Company provided direct investment advice - not utilizing 3rd party recommendations (e.g.,\naccording to Bloomberg TV/Investing.com)\n6. The Company offered investment services/advice not related to real market/exchange data\n(manufacturing false charts etc.). The trading platform was purposely manipulated, in a way that\neach client would ineluctably and unknowingly lose money, as the trades were simply\nconcocted. Instead, the Companys staff and its accomplices simply pocketed the money, using\nit to purchase various luxurious, non-essential items.\n7. The Company prohibited my ability to withdraw my funds.\n8. The Company was guaranteeing returns/yields (unrealistic ones).\n9. The Company furnished me with bonuses - which are not allowed to be given.\n10. My money was not held in a segregated account.\n11. The Company did not advertise/disclose/was not transparent regarding the statistical data representing\nthe percentage of total client losses at the company.\n12. The Company did not mention the commission and overnight swaps.\n13. The Company did not read the risk disclosure prior to my deposit(s).\n14. The Company used high pressure tactics and outbursts, which took a severe toll on my health.\n15. Armed with my personal details, the Companys staff seduced me into transferring all of my\nsavings to them. They utilized their knowledge of my cultural context, which stressed square\nand honorable business dealings along with honesty, in order to maliciously take advantage of\nmy trusting nature.\nPlease take notice that my funds were transferred through means of coercion and under false pretenses.\nAttached, please find supportive statements, screenshots, and further evidence.\nEXPOSING YOUR ORGANIZATIONS MISCONDUCT\nI hereby allege that your organization has completely failed to adequately investigate the circumstances\nsurrounding the transaction(s) in question and willfully blinded itself to obvious red flags.\nMany suspicions should have arisen at your organization as an issue of great concern, with respect to the\nunusual activity taking place in my account. Despite the regulatory and statutory requirements your\norganization should abide by as a licensed and regulated financial institution  and instead of detecting\npatterns, drawing certain conclusions, and taking actions accordingly you at best, merely and insufficiently\nperformed some hasty and haphazard reviews of the transaction(s) or possibly asked only minimal generic\nquestions regarding the suspicious activities, and at worst, shut your eyes completely rather than being careful,\nmethodical, and vigilant. Had you bothered, you would probably have realized that the funds were associated\nwith fraud and financial crime, rather than some other legitimate revenue/activity.\nIn light of the above, and after conducting a comprehensive review of our communication/interactions,\nit has become glaringly obvious to me that no adequate information and/or documentation were sought\nby your organization, at best, and at worst no appropriate safeguards were implemented.\nIf a financial institution executes a customer order to transfer money knowing it to be dishonestly given,\nshutting its eyes to the obvious fact of the dishonesty, or acting recklessly in failing to make such inquiries as\nan honest and reasonable individual would undergo, it would be in breach of its duty of care, even if the\npayment was made in accordance with the terms of the mandate, and the financial institution should still be\nliable for negligence resulting in damages.\nCompliance departments should ensure that staff members understand the legal requirements and where there\nare suspicions, these suspicions be communicated to all relevant personnel whilst being investigated.\nFor the avoidance of doubt, reasonable grounds should not necessarily be interpreted as proof. On the basis of\nvarious signs, you should have assumed that something suspicious was going on therefore should have\nsuspended transaction(s) until reasonable enquiries could be made to verify that the transaction(s)\nwas/were properly executed. In other words, I am a victim of your negligence for facilitating the\nmisappropriation of funds, and doing little to safeguard public financial interests. Any reasonable staff\nmember would have realized that there were many obvious, even glaring, signs that I was being defrauded.\n(XXXX XXXX XXXX (in liquidation) v XXXX XXXX XXXX XXXX XXXX [XXXX] XXXX XXXX) [ii]\nYou knew or should have known that the funds being transferred through your services did not rightfully\nbelong to the recipient fraudsters. Similarly, you knew or should have known that the funds being transferred\nthrough your services serve no legitimate or lawful purpose. You turned a blind eye to the crimes that you\nhave facilitated and thus provided an array of essential money transfer services, acting as a vehicle, with the\nawareness that it was enabling the fraudsters to commit crimes and enrich themselves with the funds of their\nvictims.\nYour services undoubtedly served as a crucial element in the fraudulent scheme detailed herein, and you were\neither unaware of your complicity in the fraud, or, more worryingly, completely aware and silent. Had you\nconducted an adequate account analysis, you would have discovered the nature of the recipient, and\nsubsequently, disclosed and reported the fraudsters activities to law enforcement authorities/agencies and\nregulators. Instead, to satisfy your financial interests, you conveniently closed your eyes, even though you\nundeniably had, at all material times, the necessary controls and resources to influence, whether directly or\nindirectly, those particular transactions.\nYou also had the duty to stop those crimes, yet you refused to do so because you were more interested in\nenriching yourself, even if it meant furthering those crimes and allowing them to cause massive financial\nlosses to plenty of victims  many of whom are probably your customers. Therefore, it is clear that you did\nnot have in place adequate security measures to properly safeguard my assets  hence, you have\nirreparably harmed me and, if not enjoined, will continue to irreparably harm other victims as well as\ntheir loved\nones and associates. You have irreparably harmed me and, if not enjoined, will continue to irreparably\nharm the general public, and our society deserves better.\nA financial institution which wrongly pays money away when it has no authority to do so will usually be\ntreated as if it had paid using its own funds, not those of its customer.\nWhen discussing the responsibilities that a financial institution might incur, it is crucial not to forget the fact\nthat a legitimate complaint by, or cause of action on the part of, a client might generate/give rise to further\nstatutory cause of action and/or additional liabilities beholden by a financial institution to the relevant\nregulatory authority. Obligations/duties beholden by a financial institution to a regulator are distinct from\nthose beholden to the customer. Moreover, you may be held liable to more than one regulator.\nAs a regulated and licensed financial institution, you have strict statutory and regulatory obligations to\nmonitor transactions and report any suspicious activities to law enforcement authorities. The importance of\nimplementing robust internal systems to detect and report money laundering and other suspicious activities\nhas been continuously emphasized in the industry in addition to having the appropriate policies, procedures\nand internal controls in place to ensure ongoing compliance in respect to the aforementioned systems. You\nshould have analysed and distinguished thereafter between that which may be normal activity and that which\ncould suggest an illegal activity. This is a well-known standard industry practice which plays a substantial role\nin preventing criminals from liquidating and laundering funds.\nFRAUD\nActual fraud can be described, inter alia, as suppression of that which is true, by one having knowledge or\nbelief of the fact. Therefore, due to your actual knowledge that such scams are so prevalent, you are liable for\ndamages. Similarly, due to the fact that you knew or were grossly negligent in not kn","date_sent_to_company":"2024-11-30T09:15:06.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10981005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ria Envia, LLC","date_received":"2024-11-30T08:54:09.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX\nConsumer Financial Protection Bureau (CFPB)\nXXXX XXXX XXXX XXXX XXXX, DC XXXX\nThis is to <em>complain</em> against RIA XXXX: HIGH\nIMPORTANCE: HIGH\n[WITHOUT PREJUDICE]\nI wish to practice my right as a customer of RIA to use <em>your</em> organisation's service, seeking a formal,\nimpartial <em>investigation</em> to amicably settle my dispute with RIA."]},"sort":[7.900243,"10981005"]},{"_index":"complaint-public-v1","_id":"3304233","_score":7.710666,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/2019 - While placing an order for a birthday gift for my son on XXXX, I discovered someone had accessed my XXXX XXXX card and used almost all of my Membership Reward points. I called XXXX, they reversed the transactions which were used to purchase XXXX gift cards. XXXX closed the compromised card and issued a new one. This is not the first time an XXXX was compromised. I logged into my TDBank account online and checked the balance. No issues. \nXX/XX/2019 XXXX is the payroll service used by XXXX XXXX XXXX XXXX. It withdraws payroll via debit from the company TDBank account. This occurred in the normal course of business. \nXX/XX/2019 I received an email from XXXX that a client paid a bill. I logged into my TDBank online. To my surprise, the account had been drained to just {$230.00}. Over {$27000.00} was missing. I assumed this was a simple mistake. Examining the check register online, I saw two massive withdrawals. I called the XXXX XXXX branch, and then immediately left the office for the branch. There, I met with XXXX XXXX, the Assistant Manager of the branch for a very long time. I arrived at the bank at approximately XXXX XXXX. \nAt the bank, Ms. XXXX had me log into the account using an XXXX  owned by the bank. We discovered that someone had created a false item labeled Payroll in the ACH transfer component of online banking. Details for each individual listed a bank account number linked to an entity with a Delaware address called XXXX. Ms. XXXX called her ACH Department and while on the phone with them, told me that it takes 2 days for a transfer, and we should be able to recover the money. The first transfer was for over {$12000.00} as I recall and made onXX/XX/19 with a transaction date of XX/XX/19, and the second was for over {$14000.00} and made on XX/XX/19 with an ACH fee date of XX/XX/19. \nIn both cases, less than TWO BUSINESS DAYS had transpired. From past experience, and published information from TDBank, an ACH Transfer takes TWO BUSINESS DAYS, so we were in the open window to recall the funds. I asked Ms. XXXX how the money transferred without the required security questions being asked. Neither she nor the person from ACH were able to answer that question, but it was admitted to me that NO SECURITY QUESTIONS WERE ASKED. The transfers were allowed because the IP address used matched that used for prior transfers.\n\nWorking with Ms. XXXX, she completed the requisite forms to recall the ACH transfers. Meanwhile, I called XXXX with my cellphone. I spoke to someone at XXXX, identified the accounts receiving the money, had a hold placed on the accounts. Upon completion of the ACH recall forms ( INCLUDED HEREIN ), Ms. XXXX faxed these to XXXX. It is important to note that XXXX  uses Visa cash cards as its deposit vehicles. When calling them, if you hit 0 with the automated attendant, youre given three choices : Option 1 If youre law enforcement calling about a subpoena. ; Option 2 If youre a bank calling to question a transfer to a XXXX  cash card ; Option 3 If youre a bank calling to question an ACH transfer In addition, the only mailing address listed for  XXXX is one for the delivery of summonses and subpoenas. \nI departed the bank and went to the XXXX XXXX Police Department and met with Detective XXXX XXXX and filed a complaint. It is case # XXXX. \nXX/XX/2019Running anti-virus and malware scans of all computers and systems, nothing was found. I then ran my Chrome history. OnXX/XX/19, not only had someone used up my XXXX XXXX XXXX points, but an attempt was made to obtain new XXXX XXXX XXXX. The intruders were unable to do so. ( I spoke to XXXX on XX/XX/19 again regarding this. They were unable to obtain new cards because they were unable to answer the security questions. NOTE : SECURITY QUESTIONS ARE NOT KEPT ANYWHERE BUT IN MY HEAD. THIS PROVIDES FURTHER PROOF THAT TDBANK TRANSFERRED FUNDS WITHOUT SECURITY QUESTIONS BEING ASKED. ) In addition, I found evidence that on XX/XX/2019, someone ran a program in our computers designed to find my IP address.\n\nIf you research the subject, anyone can copy an IP address. Log into a wireless router that they own like a XXXX or XXXX, enter a copied IP address, save it, and that remote computer shows up as the same computer from which the data was stolen. \nI returned to TDBank XXXX XXXX and brought all of this information to Ms. XXXX. While there, Officer XXXX showed up, and we had a frank discussion with Ms. XXXX. Detective XXXX doesnt understand how TDBank allowed the money to go through without the asking of security questions. Ms. XXXX affirmed she didnt know how either. ( NOTE I HAVE SPOKEN SEVERAL TIMES WITH MR. XXXX INDLUDING ON XX/XX/2019. HE  HAS STILL NOT HEARD BACK FROM THE SECURITY OFFICER DESPITE MULTIPLE ATTEMPTS TO REACH THIS PERSON. ) XX/XX/2019 XXXX XXXX from the TDBank XXXX XXXX branch called me. I had to go to the bank and sign two new ACH forms, one for  the full amount of each transfer. Ms. XXXX told me that Ms. XXXX of the bank told her this had to be done. \n\nXX/XX/2019, XXXX XXXX. Voicemail left by XXXX XXXX, Vice President of TDBank, former manager of the XXXX  XXXX branch. Ms. XXXX stated that she knows me, is involved, and will do whatever is needed to make this right and that I will be made whole. \nMultiple calls to Ms. XXXX and Ms. XXXX ensue XX/XX/2019Spoke with XXXX XXXX. He agrees with my position in all of this. TDBank fraud department is not getting back to him. \nXX/XX/2019 I called the fraud department of TDBank. They told me that it is my responsibility to call my payroll company and have them get my money back. We were unable to get the money back and your payroll company is now responsible. I told the person on the line that that is utter nonsense. I explained AGAIN that these were false payrolls. My true payroll company debits the account once per week. I was essentially blown off and the fraud department at TDBank was utterly clueless that someone had illegally accessed my account and created a false payroll using TDBanks software. \nI went to the XXXX XXXX branch and met with the manager, XXXX. I reviewed all of this. Complained. Handed her a second demand letter. ( Enclosed. ) XXXX faxed the letter to Ms. XXXX. \nXX/XX/2019 Emails to XXXX XXXX regarding info provided me. \nXX/XX/2019- Around XXXX XXXX, Ms. XXXX called me. She said the bank rejected my claim. The reasoning is that it is my responsibility to maintain protection ( which I do ) per the business banking agreement. I explained to Ms. XXXX that I have evidence that the security question is asked and that supports the fact that TDBank did not ask any security questions. She asked me to send this information to her, which I did via email. She is attempting to get the bank to change its mind about declining my claim. \n- Problem with TDBank position. \nThere is no definition of adequate security I inherited the affected bank account as it came with my purchase of the business The late XXXX XXXX or former employee XXXX XXXX would have signed any banking agreements. \nAll I ever signed was a signature card for the bank. \nThe new TDBank account issued me has a banking agreement. \nNOTE : MY BROWSING HISTORY DOESNT INDICATE THAT THERE WAS ANY LOG-IN FROM MY COMPUTER ( S ) ON XX/XX/XXXX, THE DAYS WHEN THE ACH TRANSERS WERE MADE. \nXX/XX/2019 Email to XXXX XXXX, XX/XX/XXXXXXXX. He called me back to discuss my email. He opined that the fact that there was no evidence of malware or virus detected that someone could have entered my office and run the programs. I expressed doubt but told him that XX/XX/XXXX has keys to all offices. \nXX/XX/2019 Email to XXXX after having discussed his theory with my wife. My server is located apart from the office in a separate room and an unknown quantity of people have access. Also, you can get into my office by sliding a credit card down the door jam. \nXX/XX/2019 At the advice of friend, used XXXX to post my TD Bank dilemma. They reached out to me almost immediately. \nXX/XX/2019 Received texts from XXXX XXXX denying my claims again. Also, told that their legal department was now handling it due to their commitment made via XXXX. \nReceived a letter from the bank dated XX/XX/2019 denying my ACH reversals with no reason given. \nReceived a TDBank statement charging for the ACH transfers and showing that they occurred within 24 hours At XXXX XXXX, I returned a call to Officer XXXX XXXX of the XXXX XXXX Police Detective Bureau. He indicated he spoke with an XXXX XXXX at TDBank. XXXX is the head of security at TD. According to Officer XXXX, he read her my statement and his investigative materials, specifically that TD Bank failed to follow its own security protocols in letting this money through. He will make a copy of his report available. \nXX/XX/2019 Officer XXXX gave me a progress report. First, the payroll created in my TD Bank account consisted of seven people, all of whom were true persons but whose identities had in fact been reported as stolen. Second, all of the XXXX cards that received funds from my account were being used in the XXXX, Colorado area at XXXX and XX/XX/XXXXXXXX ATMs and XXXX XXXX grocers. Officer XXXX had obtained via search warrant the video tapes but these were encrypted. By XX/XX/XXXX, he expects to have unencrypted videos. However, they were able to obtain a photo of the male from the videos. He is working with law enforcement in Colorado. He also stated there are similarities with other cases and made mention of an elderly community in Florida that this individual seems to have attacked. \n\nOfficer XXXX has proof that the accounts were accessed illegally.","date_sent_to_company":"2019-07-12T15:26:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"012XX","tags":"Older American","has_narrative":true,"complaint_id":"3304233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2019-07-12T15:09:07.000Z","state":"MA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["They told me that it is my responsibility to call my payroll company and <em>have</em> them get my money back. We were unable to get the money back and <em>your</em> payroll company is now responsible. I told the person on the line that that is utter nonsense. I explained <em>AGAIN</em> that these were <em>false</em> payrolls. My true payroll company debits the account once per week."]},"sort":[7.710666,"3304233"]},{"_index":"complaint-public-v1","_id":"6296648","_score":7.531279,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Protection Financial Bureau (CFPB)\n1700 G Street NW Washington, D.C. 20038 United States\nThis is to complain against the Truist Financial Corporation\nURGENCY: HIGH IMPORTANCE: HIGH\n[WITHOUT PREJUDICE]\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX, XXXX   I wish to practice my right as a customer of Truist Financial Corporation to use your organisation's service, seeking a formal, impartial investigation to amicably settle my dispute XXXX XXXX XXXX  with Truist Financial Corporation.\nIn order to clear up the myriad of letters and correspondences I have hitherto sent to Truist Financial Corporation respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analysing the relevant facts in an objective and comprehensive fashion.\nIt is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam.\nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Truist Financial Corporation to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money, and are a financial institution that maintains a traditional relationship and way of working with its customers.\nDuring the complaints process with Truist Financial Corporation, I found their communication ineffective, which further hides their conduct from management and diminishes the service offered to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem that they choose to manage in a way that is not in line with the rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.\n\nGeneral Obligation:\nCommencing on or around XXXX XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX XXXX from my Truist Financial account to fraudulent investment firm.\nWhen determining whats reasonable and fair, we should focus on the issue of liability; common queries include, but are not limited to, the following (i) whether Truist Financial Corporation did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety; (ii) whether by virtue of Truist Financial Corporations custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached; (iii) whether Truist Financial Corporation promoted the transaction(s) in question despite being aware of the nature of the transaction(s) in question (iv) whether Truist Financial Corporation was in compliance with its own policies and procedures; (v) whether Truist Financial Corporation owed duties to myself, what the scope of those duties was, and whether Truist Financial Corporation did not uphold those duties; (vi) whether Truist Financial Corporations conduct was unfair; and (vii) whether Truist Financial Corporation has within its power the ability to, and should, compensate me for the harm that has befallen me.\nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud.\nIn providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Truist Financial Corporation must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.\nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element.\nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Truist Financial Corporation did not foresee the fraud and disregarded even the most obvious dangers in this respect.\nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learned from the errors of the past.\n \nTruist Financial Corporations Position:\nOn XXXX XXXX XXXX Truist Financial Corporation wrote in a letter: Based on our investigation, Truist denies your claim for reimbursement because our investigation reveals the activity/transaction(s) was authorized.\nOn XXXX XXXX XXXX, Truist Financial Corporation wrote in a letter: You have advised that you were a victim of fraud... The information was keyed according to the Outgoing Wire Transfer Request Agreement, which you confirmed and signed.\nRefuting Truist Financial Corporations arguments from a purely logical perspective:\nTruist Financial Corporations position is that the features of the situation at hand do not generate a genuine obligation to protect innocent and helpless victims; they are essentially arguing that common-sense-based approaches are doomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful choice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves even though ample evidence has been offered in support of this complaint.\nIn Truist Financial Corporations view, it is implied that we should not home in (and consequently rely on) unwritten laws, practicality, good judgment, reasonableness, sharpness, sensibleness, past outcomes, and insight when taking appropriate precautions. To underscore, once again, such views are at odds with common sense and are wildly irresponsible.\nImagine a view according to which the one and only thing that can make Truist Financial Corporation morally obligated to do something is having it written down somewhere. Pursuant to this view, if Truist Financial Corporation encounters the suffering of totally naive victims, they are only obligated to intervene in or remedy the situation, to the degree required by written material. This is unbecoming for a reputable establishment such as Truist Financial Corporation.\nI have reviewed the material hereto sent by Truist Financial Corporation carefully, and it, unfortunately, provides no response to my fundamental argument concerning the degree of care. Given its size, influence, and the resources at its disposal, this establishment clearly had a far greater capacity than an individual such as myself had, to determine the level and likelihood of risk that a client such as myself is subjected to and had a duty to intervene as they now do to query in particular out-of-pattern transactions of this kind.\nIt is perfectly obvious that Truist Financial Corporation, inadvertently, employs a subtle approach in addressing some of the key questions in a manner that neither provides me with adequate support nor protects anything other than its own interests.\nIt is Truist Financial Corporation here, who has the burden of proof, to show that it has exercised the duty of care, that is to say, that Truist Financial Corporation adhered to a standard of reasonable care in relation to the matter at issue given its extensive experience compared to mine. It is Truist Financial Corporation that claims that the damages which I have suffered in connection to this matter have not been reasonably foreseeable and that my proposed degree of care is not, and has not been, commensurate with Truist Financial Corporations capacity, experience, expertise, or scope of services in any way. To re-emphasize, Truist Financial Corporations indisputable overriding purpose is by no means to purely execute transactions in a blind and blank fashion, but rather to strike a balance between executing those transactions\n  \nand capitalizing on its undeniably vast capabilities to protect consumers thereby enhancing market integrity.\nApropos of the fluidity of the concept of reasonableness, all Truist Financial Corporation has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience.\nTruist Financial Corporation is obliged to take some action if it is sufficiently aware of a real possibility that fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n particularly vulnerable, or\n if the possibility of fraud was serious or real, not just suspected.\nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.\nThese recommendations are established as a general principle, the organization should deliver a service that:\n1) Takes a proactive approach to minimizing risks, impact, and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. Regarding the detection of fraud and financial abuse, it says the organization:\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple chequebooks;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation\n  \nto the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\nB) organizations should have a process in place to ensure that staff makes contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud, and discuss an appropriate plan of action.\nTruist Financial Corporation is yet to show, or otherwise provide me with, a compelling argument that their wide-ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which requiring their involvement has not only been pressingly relevant but also eminently reasonable and well-justified.\nRather than empathizing with and undertaking substantial efforts to convey their knowledge of the existence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of consumers who have been cheated out of their money and whose role in society is properly fulfilled, positively contributing to local economic growth, development, and sustainability  Truist Financial Corporation adopts a rather insouciant attitude toward my financial predicament portrayed herein.\nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by Truist Financial Corporation in relation to this matter. I have also thoroughly detailed why they cannot simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status quo that is corrupting our society at its core.\nConclusion:\nBased on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavors undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices.\nAstonishingly, I am pondering how it is that, despite being shown that Truist Financial Corporations business conduct was insufficient insofar as background checks are concerned, they keep refuting their indisputable role and responsibility in connection with the matter herein discussed. The points that I have hitherto made are too crucial to be taken lightly. Truist Financial Corporations non-observance of the fundamental principles of justice  that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable\n \nconsumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself.\nIf it was, indeed, solely my responsibility, we must then believe at least one of the following clauses: a) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b) the fraud in question was not reasonably foreseeable, or c) the transactions in question were not sufficiently alarming. It is extremely unfortunate that Truist Financial Corporation pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary.\nIn summary, I respectfully ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint.\nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. Thank you.\nXXXX  XXXX  THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK\n \nPage 1 of 9\nXXXX XXXX XXXX\nTruist Financial XXXX XXXX XXXX XXXX XXXX, NC\nRe: Demand Letter\nAttn: Claims/Fraud Dept. Dear Sir/Madam,\nFor negotiation purposes only, without effect as to any and all rights\n  The goal of this letter is twofold: first, it aims to establish that a duty of care has been breached, inasmuch as you have failed to perform adequate due diligence and/or have not acted in a reasonable and prudent manner to prevent foreseeable substantial damages that I have suffered as a result of a fraud [1]. Second, it shall serve as a formal written demand for reimbursement based on the aforementioned grounds, among others.\nA comprehensive analysis of fraud prevention suggests that by processing atypical, non-routine transactions, and/or by being aware of other fraudulent schemes similar to the one alleged herein and/or ignorance of obvious warning signs of fraud, you have engaged in, is a pattern or a practice of wrongful and negligent conduct which has enabled the commission of a fraud that resulted in my financial and psychological damages. The facts and details concerning the actions in question are set forth hereunder.\nOVERVIEW\n Commencing on or about XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX  (the Company), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services,\" all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.\n Money was transferred from my account via bank wire, credit card, debit card and through intermediaries named \"XXXX XXXX in the total amount of XXXX XXXX utilizing your services.\n1 FCA: A more effective approach to combatting financial crime (XXXX XXXX XXXX) 1\n    \nPage 2 of XXXX XXXX XXXX XXXX\n Additionally, it is vital that you will immediately take all actions within your power to remedy the situation, whether by raising chargeback and recall in respect of the transactions in question or reimburse me and credit my account, for the full amount of these payments, in the total amount of XXXXusd!\n This letter shall thrust into the spotlight, inter alia, the increasingly important role financial institutions play in the fight against financial crime and fraud, and the pressing need for higher levels of supervision and vigilance within your organization.\n Had you looked at the wider circumstances surrounding the above-referenced transactions, this illicit transfer of wealth could have been prevented.\n Executing transactions without proper authority is not only a severe regulatory offense but also an irresponsible and reckless disregard of the customers financial safety.\n Against this background, and without derogating any of my rights, I hereby hold you liable for financial and emotional harm, and insist that you reimburse my account in full within 14 days from the date of this letter.\nINTRODUCTION\nFinancial crimes and fraud investigations often involve a high degree of sophistication, complexity, and sensitiveness to detail. Accordingly, this letter aims to address the issue at hand as profoundly and fairly as possible, by taking into consideration contextual regulations, laws, and bylaws, as well as guidance, standards and rules promoted by supervisory authorities, relevant codes of practice and (where suitable) what was good industry practice (GIP) at all times relevant hereto. The allegations contained herein are predicated either upon knowledge with respect to myself and my own experience, or upon facts obtained through investigations conducted by qualified third parties. I strongly believe that substantive evidence in support of the allegations set forth herein will be found after an appropriate opportunity for discovery. Key facts supporting the allegations contained herein are known only to the Company and/or are exclusively within their control.\nThe Company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would-be investors would ultimately lose the money that they had entrusted to it. The overall purpose of the scheme, in other words, was to target and defraud people who are often inexperienced and naive, in pursuit of illicit wealth through various fraudulent representations.\nI did not know, and through the exercise of reasonable diligence could not have discovered the fraud that was being perpetrated upon me by the Company. Fraud is commonly conceptualized as\n 2\n\nPage 3 of 9 XXXX XXXX XXXX\nwithholding from the weaker party in a financial transaction (e.g., an investor) information which is necessary to make an informed, rational or autonomous decision.\nIn this regard, even access to adequate information is insufficient to achieve complete autonomy. A complication here is that the weaker party, amateur/unseasoned investors in particular, might have trouble analyzing the data at hand sufficiently well to identify fraudulent schemes. Unfortunately, because financial products are often abstract and complex, theres no easy solution to this problem. Therefore, full autonomy of investors might not only require access to sufficient information, but also access to relevant technologies, know-how, processing capabilities, and resources to analyze the information. A reasonable solution is that financial institutions would be required to promote transparent communication in which they track the understanding of their customers.\nThe false representations and omissions made by the Company have a tendency or capacity to deceive consumers, such as myself, into unwittingly providing funds that fueled the Companys fraudulent scheme and therefore by their nature are jointly  immoral, unethical, oppressive, unscrupulous, and substantially injurious to consumers.\nAs a result of the Companys deceptive trade practices, I was deceived into transferring my funds for investment returns that were never delivered. I will certainly never receive any monetary value for the investments considering the way the Company had their scheme rigged thus causing significant economic damage to me. The false statements of material facts and omissions; and the fraudulent transactions the Company perpetrated were unfair, unconscionable, and deceptive practices perpetrated which would have likely deceived any reasonable person under the circumstances.\nMERCHANTS FRAUD SCHEME  ALLEGATIONS\nThe Company hired, managed and trained personnel, and collaborated with others as accomplices to their crimes to induce fraud that resulted in my financial and psychological damages. These include, but are not limited to, the following allegations, all of which involve criminal, non-regulated, and malicious activities:\n1. The Company directed and instructed others to work from shell companies that were operating from various unassociated locations across the globe.\n2. The Company opened bank accounts and crypto currency wallets in multiple countries and used them through their accomplices from around the world to conceal and disguise the identity of illegally obtained proceeds so that they appear to have originated through\n 3\n\nPage 4 of 9 XXXX XXXX XXXX\nlegitimate sources.\n3. The Company intentionally committed fraudulent misrepresentation, and falsified its agent\nnames, credentials, competencies, qualifications and location. The Companys name is merely a brand name, officially owned by shell corporations located offshore. In reality, the entire operation is being conducted from elsewhere (supposed location is evidently fictitious), and furthermore, the call center, marketing, and decision making, are all being performed by completely anonymous and hidden entities. Concealing true identities and utilizing front companies as a vehicle for a wide spectrum of financial maneuvers, is a notorious practice of criminal organizations.\n4. The Company has blatantly violated international laws, as it has been practicing without a license and funneling enormous sums of money, through countries and jurisdictions that require registration to operate.\n5. The Company provided direct investment advice - not utilizing 3rd party recommendations (e.g., according to XXXX XXXX)\n6. The Company offered investment services/advice not related to real market/exchange data (e.g.: the manufacture of false charts). The trading platform was purposely manipulated, in a way that each client would ineluctably and unknowingly lose money, as the existence of the trades was fabricated. Instead, the Companys staff and its accomplices simply pocketed the money, using it to purchase various luxurious, non- essential items.\n7. The Company prohibited my ability to withdraw my funds.\n8. The Company was guaranteeing unrealistic returns/yields.\n9. The Company furnished me with bonuses - which are not allowed to be given.\n10. The Company was trading on my behalf (use of remote control of my computer).\n11. My money was not held in a segregated account.\n12. The Company did not advertise/disclose/was not transparent regarding the statistical data\nrepresenting the percentage of total client losses at the company.\n13. The Company did not mention the commission and overnight swaps.\n14. The Company did not read me the risk disclosure prior to my deposit(s).\n15. The Company used high pressure tactics and outbursts, which took a severe toll on my\nhealth.\n4\n\nPage 5 of 9 XXXX XXXX XXXX\nArmed with my personal details, the Companys staff seduced me, until I transferred all my savings to them. They utilized their knowledge of my cultural context, which stressed square and honorable business dealings along with honesty, to maliciously take advantage of my trusting nature.\nPlease take notice that my funds were transferred through means of coercion and under false pretenses.\nAttached, please find supportive statements, screenshots and further evidence.\nEXPOSING YOUR ORGANIZATIONS MISCONDUCT\nI hereby allege that your organization has breached the duty of care that is owed by a financial institution to its clients in circumstances where there are reasonable grounds to suspect that the sole purpose of a payment instruction is to defraud the client. Under such circumstances, you are obliged to refrain from executing the payment instruction until you have been able to conclude that there is a legitimate basis for the instruction. Once the duty is engaged, the duty takes priority over the usual obligation of a financial institution to execute customer instructions promptly. The duty in question is often referred to as the XXXX XXXX  well established in the case of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX).\nThe XXXX XXXX  requires financial institutions to take reasonable care and skill when executing the instructions of a client. It is recognized as authoritative by leading academic texts [2]. The duty arises in cases where it can be argued that an ordinary prudent staff member of a financial institution would have a reasonable basis for suspicion that a particular payment instruction would result in the misappropriation of the funds of the client.\"\nWhen the duty does arise, it can be discharged simply by refraining from executing the instruction unless and until such time as the financial institution is able to establish that the instruction relates to a lawful obligation. The financial institution should seek further information and/or documentation from the client in order to help establish this.\nBased on the above, and after conducting a comprehensive review of our communication/interactions, it has become glaringly obvious to me that at best, no adequate\n2 (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX)\n    5\n\nPage 6 of 9 JXXXX XXXX XXXX\ninformation and/or documentation were sought by your organization, and at worst, no appropriate safeguards were implemented.\nIf a financial institution executed a customers order to transfer money knowing it to be dishonestly given, shutting its eyes to the obvious fact of the dishonesty or acting recklessly in failing to make such inquiries as an honest and reasonable individual would make,\" it would be in breach of its duty of care, even if the payment instruction is made in accordance with the terms of the mandate and the bank is liable for negligence resulting in damages.\nCompliance departments should ensure that staff members understand the legal requirements and that where there are suspicions, these suspicions must be communicated to all relevant personnel whilst being investigated.\nFor the avoidance of doubt, reasonable grounds should not necessarily be interpreted as proof. On the basis of various signs, you should have assumed that something suspicious was going on and suspended transactions until reasonable enquiries could be made to verify that the transactions were properly executed. In other words, I am a victim of your negligence for facilitating the misappropriation of funds, and doing little to safeguard public financial interests. Any reasonable banker would have realized that there were many obvious, even glaring, signs that I am a fraud victim. (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [3].\nA financial institution would never be as reckless with its own assets as has been the case with my assets, and if you had treated my assets as though they were your own, this would not have been made possible. The debits made from my account should be reversed as a result of your failure to take proactive measures to protect it, just as you would do if your own assets were in a similar state of peril. It is also libelous/defamatory to make false statements about an individual that adversely affects their credit rating.\nWhen discussing the responsibilities that a bank might incur, it is crucial not to forget the fact that a legitimate complaint by, or cause of action on the part of a client might generate/give rise to further statutory cause of action and/or additional liabilities beholden by a financial institution to the relevant regulatory authority. Obligations/duties beholden by a bank to a regulator are distinct from those beholden to the customer. Moreover, you may be liable to more than one regulatoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  More often than not, such legal duties spring from the very facts that gave rise to the liabilities to your clients in the first place. Similarly, to the foregoing, I may also have a cause of action against you for breach of mandate as you have negligently transferred my funds without proper enquiry.\nInstead, you should have been working hard with Artificial Intelligence [4] / Big data technologies to discover automated and effective ways not only to detect fraud but also to prevent it. Furthermore, the tremendous amount of data you possess is by no means self-evident let alone to be overlooked, hence by not utilizing it systematically and effectively to pinpoint irregular and suspicious activities you are misleading your customers, who have taken the leap of faith and placed trust and confidence in your honesty, authority, and competence. A plausible assumption here would be that the pattern of the above-mentioned transactions was sufficiently suspicious that it should have been flagged and blocked by your staff, even if you have never encountered similar situations.\nPractically speaking, effective steps to prevent bad actors from taking advantage of future victims (or at least to minimize this possibility) are abundant:\n The use of automated and human review of","date_sent_to_company":"2022-12-20T18:39:13.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"29681","tags":null,"has_narrative":true,"complaint_id":"6296648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2022-12-08T23:55:35.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Consumer Protection Financial Bureau (CFPB)\n1700 G Street NW Washington, D.C. 20038 United States\nThis is to <em>complain</em> against the Truist Financial Corporation\nURGENCY: HIGH IMPORTANCE: HIGH\n[WITHOUT PREJUDICE]\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX, XXXX   I wish to practice my right as a customer of Truist Financial Corporation to use <em>your</em> organisation's service, seeking a formal, impartial <em>investigation</em> to amicably settle my dispute XXXX XXXX XXXX  with Truist Financial"]},"sort":[7.531279,"6296648"]},{"_index":"complaint-public-v1","_id":"3130534","_score":7.49094,"_source":{"product":"Checking or savings account","complaint_what_happened":"I would like for the CFPB to reopen & review all the facts and evidence in my Debit Card Dispute # XXXX from XX/XX/XXXX on file with my bank, Ally Bank. The disputes are for about 50-60 seperate online transactions totaling about {$4500.00} from XXXX XXXX / XXXX Ally Bank says that i missed the deadline by a few weeks to file these disputes to be totally covered for all of the charges totaling about {$4500.00}. I was lucky to even piece together this fraud at all.\n\nAfter 90 days of waiting XXXX only refunded me via that dispute {$200.00} from the total {$4500.00} due. XXXX was not willing to cooperate.\n\nDue to the overwhelming evidence of fraud, that timeline should be waived, I should be 100 % protected as a consumer and a Government Agency needs to step in and have the computer system just refund me my money automatically.\n\nThe CFPB needs to approve my complete chargeback and have the dispute team at Ally Bank & XXXX , Inc reverse all of the charges and refund me my {$4500.00}.\n\nAlly Bank says that its limited as to what it can do but I need the CFPB to step in here and resolve my case.\n\nXXXX should not even be allowed to have a credit card machine or bank account.\n\nI have reported this to over 15 Government Agencys Including : The XXXX XXXX XXXX : Case XXXX  The Federal Trade Commission : Case # XXXX   The California Dept of Insurance : Case # XXXX  The Florida Dept of Financial Services : Case # : SR # :XXXX Dispute with My Bank : Ally Bank , Dispute # XXXX  Also see my previous complaint to the CFPB regarding XXXX XXXX XXXX / XXXX   / XXXX XXXX XXXX XXXX which the CFPB said on XX/XX/XXXX that it has been forwarded to the FTC . * Complaint number : XXXX * Date submitted to CFPB : XX/XX/XXXX In my case with XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX my evidence & findings will show that Renters are provided with vehicles with serious defects, are not warned of potentially dangerous conditions that may exist or develop and are deprived of valuable information as to the true condition of their rental vehicles along with deceptive practices and unfair charges.\n\nXXXX XXXX / XXXX / XXXX XXXX XXXX XXXX used deception, deceptive & unfair practices, fraud, false pretense, false promise, misrepresentation & concealment as well as suppression & omission of material facts.\n\nXXXX XXXX, XXXX rented me 3 junk title, salvage, rebuilt title cars for 90 days at {$50.00} per day with full price insurance for cars that should not even be on the road as if they were new/undamaged at full price / top dollar prices. Their website says no junk title, salvage, rebuilt title cars allowed. When I brought it to their attention with proof they said I'm lying. They gave me the run around & now they even blocked my phone number from being able to call their XXXX Customer Service #. These guys did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform, they never disclosed anything to me and when confronted with this they lie and deny it all and then when I sent them the proof they totally ignore me & block my phone number. I have proof of all conversations & of all the evidence.\n\nThe full coverage they charged me for was with XXXX XXXX XXXX XXXX XXXX/ Policy # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX  XXXX XXXX Also, I have reported these guys to every agency that exists. I need help to get my money back.\n\nMy bank via dispute was unable to get me my {$4500.00} back because i missed the deadline to file a dispute by a few weeks.\n\nAfter months of giving me the run around XXXX finally wanted to arbitrate with their company XXXX / Dispute # XXXX / Arbitrator : XXXX XXXX XXXX, License # 193606, State Of California Bar I sent XXXX over 50 pages of evidence and proof that the damages I recieved were financial. After 2 weeks of wasting my time the arbitrator said that I lost the case and I dont even deserve 1 penny.\n\nNow XXXX is not honoring my request to have my decision appealed.\n\nI wrote this to XXXX  & to XXXX : It seems only right that I deserve an appeal and or an award of some sort When you step back and see the bigger picture of what is going on internally with XXXX here you start to notice a pattern.\n\nThe pattern is that XXXX is renting rebuilt, salvage, junk title cars with no disclosure on purpose to consumers as if they were undamaged at the highest possible price that you can rent a real undamaged car for per day at about {$40.00}. Plus they add {$13.00} per day of full coverage insurance for a junk car that is not even really insurable with full coverage. Their computer system must know these cars are junk but they turn a blind eye so they can make false profits.\n\nThen they sit back and wait to see who complains, they give them the run around for as long as they can, then whoever get to XXXX arbitration will never win the case or any money because XXXX has a nice scam going on here with the way they word their contracts.\n\nAnd they save all that money by just paying XXXX  a monthly retainer fee.\n\nThis is unfair and unethical behavior by a business. It really shows alot. XXXX also should not be associated with these fraudsters.\n\nI can't believe that the arbitrator did not even award me one penny. She said I failed to prove any damages. The damages were to my pocket. The damages were financial. Not to mention how they lied about everything and put me on a mission instead of giving me back a 50 % refund of {$2300.00} or so in the beginning.\n\nMy bank said if I would of disputed this in time I would of gotten back all of my {$4500.00}.\n\nSo I can't believe that the arbitrator didn't give me an award. And I am sure a jury will side with me.\n\nI will be fighting this to the end and now today i will include XXXX  as part of this full circle fraud lawsuit with XXXX. The top XXXX   bosses must know about this pattern.\n\nXXXX  and XXXX are putting people in danger and putting profits over human lives and zero regard for people financial stability or safety.\n\nThey basically sold me on a nice chocolate bar wrapped up in a bow with 24k gold paper 4 times in a row but when you start to see, taste and smell the chocolates up close and you start to decipher the recipe and ingredients and you do some research and you stumble on something then you realize that you really just ate 4 bars of dog poop. And with no warning or disclosure on the wrapper or website.\n\nRead My Entire Story Below : XXXX Rented Me 3 Salvage/Rebuilt Title Vehicles as if they were new/undamaged at full price / top dollar prices. Their website doesn't allow these damaged cars at all.\n\nThe representative said over the phone that the 3 cars seemed to fall threw the cracks and it made it onto their system 3 times in a row unchecked for salvage or rebuilt titles, where i ended renting them at top dollar prices for a junk car thats worth atleast 50 % less in value. They said that the car owner scammed them. I told them that, that is not my fault or problem. They put me in an unsafe vehicle. They never disclosed this to me and the product quality was not that of what i chose & agreed to pay for. I believe i paid off this guys junk cars with all the days that i rented it. Now he has a free car that i got ripped off on and i paid for.\n\nI rented 3 vehicles from the same owner on this platform. I rented these 3 junk cars for about 90 days in a row at {$50.00} per day for a grand total of about {$4500.00}. The rental dates were fromXX/XX/XXXX - XX/XX/XXXX.\n\nIt came to my attention on about XX/XX/XXXX that these cars all had damage. I contacted XXXX about this. The first rep said that the vehicle owner and his cars would be kicked off the platform. Then i asked for a 50 % refund for having over paid and being ripped off for a subpar product.\n\nThey said they would escalate it to the manager. The manager wrote back to me in 15 minutes and said that after careful review of the Florida DMV Database none of the cars had a rebuilt/salvage title. And he said that because of that reason my 50 % refund would be denied.\n\nI asked for proof of their findings and at the same time i did my own research and provided them with the evidence that all 3 cars were in fact rebuilt/salvage titles. They never responded to me after i sent them the proof. I then told them that they are giving me the run around and that i now want a full 100 % refund. I also tried to call them several times while i waited on hold for 15 minutes and an answering machine says to leave a message that no one will ever respond to. i finally got someone to answer on about XX/XX/XXXX and they said that the manager from the billing department knew about me and my problem and that they would be researching it. They never got back to me and no one answers the XXXX   #.\n\nThis Is The FREE FLORIDA DMV VIN # CHECK WEBSITE : XXXX XXXX XXXX These guys did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform, they never disclosed anything to me and when confronted with this they lie and deny it all and then when i sent them the proof they totally ignore me. I also had my bank helping me fight this.\n\n( Update : On XX/XX/XXXX My bank via dispute was only able to help me recover {$100.00} for 2 rental days & another {$100.00} for another 2 rental days for a total of {$200.00} for 4 rental days. Every rental day with insurance was exactly {$51.00} ) I have attached that evidence as well.\n\nMy bank was unable to help me recover anything more than the {$200.00}. I missed the deadline for the dispute protection timeline they say because I rented the cars from XX/XX/XXXX - XX/XX/XXXX but did the chargeback a bit to late towards the end of XX/XX/XXXX when I luckily found out about what XXXX did to me by putting 2 and 2 together and then I started asking XXXX questions. I feel that the dispute timeline should be waived do to the circumstances of fraud and deception that took time to unravel I have proof of all evidence and of the email conversations back and fourth between me and XXXX   which has been attached.\n\nI also believe that they still have these damaged cars on their platform and are charging people top dollar and not disclosing this information to them. I know there are more victims out there even after it has been brought to XXXX  's attention. These are unfair business practices that all of the management and employess in that business are aware of and they practice everyday. They are putting profits before peoples safety.\n\nI believe that these are grounds for a civil / class action lawsuit if they dont refund my money and stop these unfair practices. They are in the stock market under symbol : XXXX, they cant be doing this to people. They are also reporting profits earned that are based on these unfair and unsafe business practices.\n\nXXXX  has put me on a roller coaster ride back and fourth for over 5-6 months trying to recover my money and resolve this. I have wasted an extraordinary amount of time & energy doing research, making phone calls, writing emails, responding to emails, copying and pasting evidence, waiting on hold, and spending countless hours writing, documenting and reviewing all of my writings, documentation and organizing evidence, etc all due to XXXX  continuous lies and ways that they cheat & treat the consumer.\n\nI estimate that I have wasted about 75 hours of my personal time doing all of this work during this ordeal these 5-6 months. Not to mention that XXXX has dragged this on for almost 6 months for no reason when I have been trying to resolve this directly with them in good faith from the beginning.\n\nXXXX  left me out in the cold and they made me feel violated and I felt taken advantage of. I felt as if no one can hear me screaming for help. On top of everything they played games back and fourth and made me feel voiceless and helpless. They blocked my phone number from being able to call their XXXX  customer service number for help and they stopped responding to my emails. This caused me and is still causing me terrible stress.\n\nDuring this entire ordeal I have provided an overwhelming amount of evidence and proof of about 30-50 pages in length and XXXX  has just replied with 3 sentences in total.\n\nThis is what XXXX responded to the XXXX  with : Thank you for the opportunity to respond to this consumer complaint concerning the vehicles they rented on our platform.\n\nOur rentals are offered for ride-share drivers, and the reason for not allowing Salvage or Rebuilt titles on the site is due to most areas not accepting these types of vehicles for use with XXXX / XXXX.\n\nAs the vehicles are listed by the owners, not all states registrations show the salvage or rebuilt status on the documents used to verify a vehicle for the platform.\n\nAll vehicles mentioned by the consumer, including the user who listed them have been permanently removed from our site.\n\nThe price paid for these vehicles is set by the owner and the prices paid for rental of the consumers vehicles was {$30.00} - {$39.00} per day.\n\nDuring the entire duration of these rentals, the vehicles cause no issues for the consumer. We have no records of the consumer reaching out concerning these issues until after the rentals have ended.\n\nIf issues with the mechanical functionality with these rentals had occurred, then a refund would be due, however the renter kept the vehicles without incident and at this time no refund will be honored.\n\nI did NOT accept XXXX response via the XXXX XXXX XXXX Case # XXXX  and i wrote back to them explaining why below : There is NO excuse for allowing me to rent 3 seperate UNSAFE salvage / rebuilt tilte vehicles from the same person. My life was put in danger & so was the lives of my passengers. Your platform must have a robot or a human manually verify each and every vehicle that you have on your website by running the vin number on XXXX or XXXX. it costs money to do that and you guys dont want to pay for that safety check.\n\nYour response for not allowing salvage / rebuilt titles on your site is that : its due to most areas not accepting these types of vehicles for use with XXXX  / XXXX. Instead you should say that you do NOT allow salvage / rebuilt title vehicles on your site because they are unsafe pieces of junk that have been totally damaged and no one knows if someone has even died in these vehicles, these cars are worth XXXX dollars and they are ticking time bombs. I was a driver for only XXXX. I was also let down by XXXX because they didnt catch these junk cars that made it onto their system. XXXX  was the second line of defense to protect me and they also let me down.\n\nXXXX is trying to put the blame on the car owner that put his 3 junk cars on the website, but XXXX can not allow a random person to do that without fully verifying that the vehicle they have is not a junk car / death trap. They have no safety measures in place and that is totally unnaceptable. As the saying goes : \" Trust But Verify ''.\n\nXXXX  says that vehicles are listed by the car owners, and some states car registrations & documents do not show a vehicles title status when they upload a car to their platform.\n\nThat makes no sense. They have to have a way of verifying the junk that people are putting on their platform. I did the research for 3 cars and found everything out in 5 minutes by myself.\n\nNow they say that the user has been kicked out of the platform and all of his cars have been removed, but it is too late for that, he already ripped me off and stole my money. And I was the one that did all of the research and provided the evidence that got him kicked out. I did all the work.\n\nXXXX  also says that : The price paid for these vehicles is set by the owner and the prices paid for rental of the consumers vehicles was {$30.00} - {$39.00} per day. So XXXX allowed this guy to put a junk / salvage / rebuilt title car on their platform that is worth XXXX dollars or maybe {$190.00} PER MONTH at most so he can rent it to me for {$40.00} PER DAY which is equal to {$1200.00} PER MONTH.\n\nI believe that i totally paid of all of this guys junk cars, so now he has a free car that i paid top dollar for when it was worth XXXX. On top of the {$40.00} PER DAY car rental fee i had to pay {$13.00} per day for INSURANCE which is equal to {$400.00} PER MONTH for a junk car that the insurance should really be about {$75.00} PER MONTH. So in total i paid {$1600.00} per month for a car that was really worth at most in good condition about {$300.00} PER MONTH.\n\nI was scammed and overcharged by about 500 % every day / month for those cars.\n\nAll 3 rental cars did cause an issue for me. The nissans transmission broke. The XXXX  's brake system was broken and making a terrible screeching sound and the XXXX XXXX had a tire that exploded and has no spare tire, jack, or lug nut removal tool in the trunk. And all 3 cars were junk / rebuilt / salvage title.\n\nXXXX  says : During the entire duration of these rentals, the vehicles caused no issues for the consumer. We have no records of the consumer reaching out concerning these issues until after the rentals have ended. If issues with the mechanical functionality with these rentals had occurred, then a refund would be due, however the renter kept the vehicles without incident and at this time no refund will be honored.\n\nEverytime a car had a problem i would contact the car owner directly and he would say to not tell XXXX about it that he would just get me another better car. I obviously had 3 seperate mechanical problems with 3 seperate junk cars and a refund is due.\n\nAlso, I made no money buy using these junk cars for XXXX. I paid an average of {$53.00} PER DAY for the rental car with the insurance PLUS {$25.00} per day in gas that these junk cars were excessively consuming. So i paid for the car, insurance and gas daily about {$80.00}. On an average day with XXXX  i would only make $ XXXX- {$75.00} in a 8 hour - 10 hour period. I was just working to pay the car, i never made any profit from this. i lost all the way around and i want a 100 % refund. You failed to protect me as a consumer in every way possible. Financially and safety wise. Your website says NO salvage / rebuilt title cars allowed. You failed to deliver as promised for a product that was not as described on your website, aside from all the other thing you have done wrong. I also just checked the XXXX website and the guy that rented me 3 junk cars has a partner that i remembered he told me about, and that partner has a car dealer and he has a bunch of junk / salvage /rebuilt title cars on the XXXX  website right now as i type this note. Im sure that on the XXXX website today atleast 55 % of all the cars on their platform are junk / rebuilt / salvage title. XXXX  must be audited by an independent company to confirm that they are not still doing this to innocent people that work hard for their money. They are putting profits before saftey and they are playing with fire. i want 100 % of my money back. I have also been warning people on other consumer websites and all over social media, XXXX  and XXXX  and all of the car related groups.\n\nNo matter what XXXX says they need to fully verify & validate each vehicles information that a person uploads onto their platform in order to protect the consumer. If they fail to do so they need to fully compensate the person that eneded up renting these junk cars at full price. The XXXX websites says : \" No Junk, Salavage Or Rebuilt Titles Allowed '' plain and simple. They should put a Warning Sign on their website that says : \" We sometimes mess up and allow people to upload their junk, salvage, rebuilt title cars on the platform where unaware consumers pay full price and risk serious injury. '' XXXX  keeps saying that i never reported any problems that i had with each car to them. Car # 1 broke in 2 weeks because the transmission broke. So i called the owner directly and told him the car broke. He said ok no problem I will upload a new car to XXXX  and i will put you in a new car. Car # 2 also had problems with the brake system and the car owner said again ok no problem I will upload a new car to XXXX and i will put you in a new car. Then Car # 3 broke when the tire exploded and had no spare tire or tire removal tools and again he said ok no problem I will upload a new car to XXXX  and i will put you in a new car. At this time i was NOT aware that each of these 3 cars were all junk, rebuilt, salvage titles. XXXX also failed to disclose this to me each time. Obviously each car had a problem. Obivously XXXX never did any verifications on each car. XXXX  always says to contact the car owner directly when there is a problem with the car. After all XXXX says they are only a platform, so what can they do for me if a car breaks? Nothing. The car owner said he has 10 cars i can choose from, so that was the fastest solution for me. The next step & the first step should have been for them to tell the car owner : \" sorry we cant accept your cars on our platform due to the invalid title that came up on our inspection ''.\n\nFor Car # 3 The XXXX XXXX On XX/XX/XXXX I Contacted the XXXX Claims Department because a person very lightly hit the mirror of the car i was driving. I got a police report from the Florida Highway Patrol ( Crash # XXXX  ) for the incident that happened XX/XX/XXXX. The estimated amount of damage was around {$100.00}. I also notified the car owner at the same time so he can contact XXXX and so he can work it out with the driver at fault and their insurance. He was going to pay for the replacement top cover of the drivers side mirror. That was the only cosmetic damage & it did not require a stay at the body shop. The mirror top was going to be painted and then installed. It took about 4 days from XX/XX/XXXX -XX/XX/XXXX for me to hear from the car owner because he said he was out of the country on vacation. The car owner was unavailable and was on vacation out of the country almost every weekend.\n\nAt this point and time during the Claims Process, the XXXX  claims department blocked me as a driver while they investigated everything on their end for this incident they said. After 2 or 3 days of me being blocked from renting, XXXX reinstated my ability to re rent the same vehicle, Car # 3 after everything was squared away with the other drivers insurance and the car owner and XXXX all at the same time.\n\nDURING THIS CLAIMS INVESTIGATION AROUND XX/XX/XXXX NO ONE FROM XXXX CHECKED OR FLAGGED THE VEHICLE FOR HAVING A REBUILT, SALVAGE, JUNK TITLE. THEY JUST LET ME RE RENT IT AGAIN. ONCE AGAIN THEY FAILED TO PROTECT ME.\n\nAlso, for Car # 3 The XXXX XXXX on about XX/XX/XXXX I did a chargeback request to my bank for {$51.00} for the day of XX/XX/XXXX because the car tire exploded while i was driving. The car had no spare tire in the trunk, no lug nut removal tool and no car jack to lift the car. It took me about 4 hours to resolve this tire problem on my own. I had been asking the car owner for several weeks before the tire blew up when was he going to buy new tires because they were looking bald and he would just delay and stall me for time with excuses.\n\nI lost this dispute on XX/XX/XXXX for {$51.00} ( Ally Bank Dispute # XXXXXXXX XXXX XXXX ) because i failed to properly fill out all the forms my bank requested on time because i was just too busy with alot of things going on at once. I felt that i should have recieved this credit for the mission i was put on. I had to push the car by myself on a saturday night as the sun was setting all by myself.\n\nBasically that same day the tire blew up I decided to no longer deal with XXXX  or the car or the car owner. I could no longer concentrate, focus or trust the vehicles that I had been given. I did not feel safe on the road anymore. I lost all faith and felt unsafe and unsure of using these cars that i was being given. I kept feeling worried and afraid that i would break down again in the middle of no where at night all by myself. I emailed XXXX  and the car owner that I would no longer be renting the vehicle and I instructed the car owner to pick up the car at my house. It took him about 4 days to pick up the car because he was out of the country on vacation once again.\n\nXXXX seems to not care or not understand that i did everything correct as a consumer. I followed all of the rules and i played fair. I was the one scammed here.\n\nXXXX also said that they immediately kicked out the car owner and his cars from the site once they were alerted. Yea, i was the one that had to investigate everything by myself and i am the one who brought this to XXXX attention after they first said that they did a full review and said that all the cars titles were good. I then showed them proof that each car was a junk title. Its incredible how i am the one being scammed here and i have had to do all of the work and show all of the proof that XXXX  never did. Its like if i am doing a better job then everyone that works at XXXX.\n\nI am the one that got scammed, i am the one that figured this whole mess out, I am the one having to provide proof of everything while XXXX wants to sit back and put the blame on me and say that i did not do things correctly.\n\nThey want to deny my refund because they say : \" The consumer claims to have been put in danger, however they chose to continue with the rental, and continue making extensions with the rental. '' Well if i would have known that each car was a junk car i would of never of rented it or used it.\n\nXXXX XXXX says that i should of done this or done that, but they did zero to protect me.\n\nI called XXXX on XX/XX/XXXX to speak to a manager about my case. They told me on XX/XX/XXXX that a manager would call me back on XX/XX/XXXX. Mid day on XX/XX/XXXX XXXX still had not called me back, so i called them, the customer service rep said hold on one second while i find a manager, 2 minutes later the rep hung up on me, i called back the XXXX number and they have blocked my phone number from being able to call their XXXX  number for customer service.\n\nThis company is up to no good. Mid XXXX of XX/XX/XXXX I tried to contact at XXXX : XXXX XXXX. Phone : XXXX to let him know about my case. i got this number from the XXXX report. I called the # and this number i am still able to reach but it is just a recording that goes to an answering machine that no one answers or responds to. I will keep the XXXX updated on if they block me from this # as well.\n\nI have attached a snap shot of the video & The Video Link to watch the video that shows and plays the recording of me calling the XXXX  XXXX  customer service number on XX/XX/XXXX at XXXX and it says that I am still blocked from being able to call them and then it hangs up on me.\n\nWatch The Video of this on XXXX  : XXXX XXXX XXXX I also ask that XXXX provide & release evidence of all phone records & logs, email communications and recorded phone conversations regarding my account from every single conversation they have had with me. You will hear in these phone conversations the frustration & pain in my voice and the feeling of overwhelming confusion and mental & emotional abuse that I endured while everyone at XXXX played games with me, gave me the wrong information and did sneaky things & lied every single time to try to get rid of me and at the same time try to sweep everything under the rug. All of this abuse took place while I was genuinely trying to resolve everything in good faith with them.\n\nI have heard 5 different reasons & have as evidence & it is documented from 5 different people at XXXX  as to why they did not want to honor my refund, while at the same time no one addressed my concerns.\n\nI have also contacted and reporting eveything that XXXX  has been doing to the SEC ( U.S. Securities & Exchange Commission ) online via the investor compalint form. CASE NUMBER : XXXX.   Their stock symbol is XXXX. i feel that their stockholders and board members and others would like to know that XXXX daily profits involve lying to consumers and the rental of illegal unsafe vehicles to the public with no disclosure.\n\nI RETURNED THE LAST RENTAL ON XX/XX/XXXX. I LET XXXX KNOW ABOUT THESE JUNK, SALVAGE, REBUILT TITLE CARS ON 8/21/18 IMMEDIATELY AFTER I FOUND OUT ABOUT ALL OF THIS BY LUCK WHEN I WAS LOOKING AROUND THE XXXX   WEBSITE ONXX/XX/XXXX BECAUSE I WAS INTERESTED IN BUYING A CAR AND PUTTING IT FOR RENT ON THE XXXX  WEBSITE PLATFORM SO OTHERS COULD RENT IT FROM ME.\n\nI THEN WENT TO THEIR CAR INSURANCE & REGISTRATION SECTION TO READ MORE DETAILS & I SAW IT SAID : \" NO REBUILT OR SALVAGE TITLES ALLOWED ON XXXX. I THEN WENT TO THE TAB FOR MY PAST CAR RENTALS AND I WAS LOOKING AT THE YEAR, MAKES AND MODELS OF THE CARS I HAD RENTED.\n\nI THEN SAW THE VIN NUMBERS & SOMETHING INSIDE ME TOLD ME TO XXXX : HOW TO CHECK A CAR VIN NUMBER FOR FREE ONLINE & THE FLORIDA DEPARTMENT OF MOTOR VEHICLES, VEHICLE INFORMATION CHECK WEBSITE CAME UP.\n\nI ENTERED THE VIN NUMBER FOR 1 CAR IN THE SYSTEM AND I COULD NOT BELIEVE WHAT IT SAID : \" REBUILT/SALVAGE TITLE ''.\n\nMY FACE TURNED RED AND I COULDNT BELIEVE IT. I THEN ENTERED THE OTHER 2 VIN NUMBERS AND THEY WERE ALL THE SAME JUNK AS WELL.\n\nI WAS VERY UPSET & I IMMEDIATLEY CALLED XXXX & EMAILED THEM WITH MY FINDINGS AND THATS WHEN THIS WHOLE PROCESS BEGAN ON XX/XX/XXXX OF XXXX LYING TO ME AND GIVING ME THE RUN AROUND AND MISDIRECTING ME, ETC.\n\nXXXX is complaining that i took about 50 days after i returned the last vehicle to reach out for a refund. I would of reached out & made the same complaints & refund requests wheather i would of found out about this within 1 day or 1 year of having returned the last rental.\n\nI was lucky to even be able to find out about this whole mess, cover up & misdirection that XXXX put me through with these junk, salvage, rebuilt titles.\n\nXXXX  & their Insurance company & The XXXX Claims Department failed to pick up on this scam as it was happening to me live in real time. And it happened with 3 cars in a row. And plus they let me re rent the same car after i was blocked as a driver for the incident on XX/XX/XXXX without disclosing anything to me.\n\nAnd there is no excuse for the way XXXX treated me or handled this incident once i brought it to their attention. Their repeated lies, misdirection & total ignorance to this serious problem leads me to believe that they totally knew about this from the beginning & that they have done this in the past & will continue to do this to unsuspecting victims such as myself in the future. XXXX has to have a network/computer security team in their back office that has some sort of computer program that flags these cars on their platforms once it runs the VIN # s.\n\nI have tried over and over again from the beginning with XXXX to try and resolve this in good faith but even up till now they are just giving me the run around and there is no excuse for it.\n\nXXXX  did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform & they never disclosed anything to me.","date_sent_to_company":"2019-01-22T19:03:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33193","tags":null,"has_narrative":true,"complaint_id":"3130534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2019-01-22T17:10:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>Your</em> platform must <em>have</em> a robot or a human manually verify each and every vehicle that you <em>have</em> on <em>your</em> website by running the vin number on XXXX or XXXX. it costs money to do that and you guys dont want to pay for that safety check.\n\n<em>Your</em> response for not allowing salvage / rebuilt titles on <em>your</em> site is that : its due to most areas not accepting these types of vehicles for use with XXXX  / XXXX."]},"sort":[7.49094,"3130534"]},{"_index":"complaint-public-v1","_id":"3081736","_score":7.4071803,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear XXXX, COMPLAINT ISSUE I am a retired XXXX XXXX XXXX. The purpose of this complaint is to provide an update and additional complaints to my active CFPB complaint # XXXX filed on XX/XX/XXXX, against UNITED SERVICES AUTOMOBILE ASSOCIATION ( USAA ). The reason I am submitting this second complaint is because USAA knowingly and intentionally engaged in fraudulent and unethical business practices in response to my original referenced complaint in an attempt to stop it. I will conclude this complaint with my requested actions listed in the conclusion section. \n\nBACKGROUND Please refer to my original referenced complaint for the background details but let me to provide the following key points and recap of the original complaint here which will explain the specific claims of this new complaint of engaging in fraud to stop my original referenced complaint. \n\nUSAA provides financial services to primarily military personnel and veterans. USAA in the past was considered to be a very prestigious company but new management came in and in recent years the company has significantly changed for the worse. Based on the way it is chartered, USAA is a member owned company. USAA is also a private company with no association with the XXXX XXXX. I have been a member of USAA for 39 years and as I said I am a retired XXXX XXXX. \n\nSince its inception, USAAs management focused on providing quality services to their members. When the current management came in that focus changed to expanding membership and promoting a social agenda. Then as customer service at USAA took a nose dive, USAA stopped being a member of the XXXX  and established a private social media forum on their website so they could keep the unending list of complaints from their military members internal within USAA and out of public view and oversight. Within that internal USAA Member Community Forum Members can make comments or ask questions of the USAA moderators who monitor the system 24/7. Members do not use their real names on the forum for privacy reasons, they establish nicknames when they set up their social media account and the USAA moderators can identify each member by their nickname. \n\nUSAA then started to engage in some questionable business practices which included falsely presenting their private company to be a representative of the US military in order to make their profit, increase their membership, and to use the company to give the impression to the public that the military supports their left wing liberal social agenda ( one example of which is their continued sponsorship of the XXXX with the self-bestowed sponsorship title that begins with the three words : The Official Military .... \n\nThen when thousands of military members complained to USAA about sponsoring an organization that goes against the militarys core values and the very questionable business practice of USAA presenting itself as a representative of the US Military to obtain free advertising from the XXXX, make their profit, expand their membership to their targeted audience, and promote their social agenda ; USAA then responded to all of those military members complaints on the community forum by ignoring them and imposing extreme forms of censorship on their members by using a bumping policy that says members are not allowed to repeat a topic on the USAA member community forum.  And when members do say things that USAA does not like or when members attempt to use the forum to their advantage then the USAA moderators delete the members comments and threaten to disconnect the members from the community forum. \n\nRecently, when I saw a member complaining that their original complaint was left unresolved by USAA, I replied to the affected member with the contact info for the CFPB. After doing that about four times the USAA Administrator replied to me that if I replied to another member with the CFPB contact info that she would disconnect me from the USAA community forum. Other members came to my defense and thanked me for my assistance and they condemned USAA for their censorship. All of those details and specific posts in question can be viewed in my original referenced complaint. \n\nAt that point I decided to file a complaint against USAA with the CFPB which listed their questionable business practices with a focus on their XXXX sponsorship practices and their censorship practices against military personnel. \n\nCURRENT COMPLAINT THAT USAA INTENTIONALLY AND KNOWINGLY ENGAGED IN FRAUDULENT ACTIVITY TO STOP MY ORIGINAL COMPLAINT TO THE CFPB. \n\nAllow me to begin my second complaint by saying I consider myself to be a relatively responsible person. I am a retired XXXX XXXX XXXX, I held our Governments highest security clearance for over 20 years continuously, I was a Distinguished Honor Graduate of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, N.C. ( that is the XXXX XXXX XXXX XXXX XXXX ), I have been a member of USAA for 39 years, and on the USAA Member Community social media Forum I hold the most Likes Received of any other USAA member, that being XXXX Likes Received. \n\nTwo of the many actions I requested in my original complaint was permission from USAA to be allowed to forward the contact info of the CFPB to other members when it was apparent that their complaint was left unresolved and the second request was to request permission to start reposting our XXXX Petition once again in accordance with USAAs own company By-Laws. \n\nI submitted my original complaint to the CFPB on XX/XX/XXXX and the CFPB confirmed receipt of it. On XX/XX/XXXX the CFPB confirmed they sent the complaint to USAA. On XX/XX/XXXX, the CFPB advised me that USAA had requested an additional 60 days to respond to the complaint. In a phone conversation with a CFPB rep she advised me it was actually 45 days that USAA had to respond. \n\nShortly after USAA received my original CFPB complaint I started noticing a string of what we refer to as fake posts on the USAA community forum. These are posts believed to be created by the USAA Administrators of non-existent members with fictitious nicknames to give the impression it is a real military member making a comment on the forum and are posted on the forum by the moderators for different reasons but are not seen that frequently. It is easy to identify these fake posts because it is the first and only post by the fictitious member and it is generally saying something your typical military member would never say. Most members come on the USAA community forum primarily to make a complaint or to view the current complaints and support other members making a complaint. \n\nI noticed that many of these most recent fake posts were being placed in the strings of back and forth discussions I was having with other members and a number of these fake posts were very insulting, using words such as XXXX, incompetent, and questioning combat veterans XXXX status. \n\nIt became apparent to me that a specific USAA Administrator by the name of XXXX XXXX was posting these fake posts in my discussions with the intent of provoking a response from me that USAA could then use to justify disconnecting me from the member community forum in response to my filing the CFPB complaint. It was apparent to me that this particular USAA Administrator was behind this effort because of knowing her censorship practices and style in the past on the forum and in one of the fake posts she actually replied to it as herself. \n\nThe second very questionable practice on the part of USAA in this effort to create fraudulent accounts and target me was that in those fake accounts, the civilian USAA Administrator presented herself to be a military service member and a combat veteran. I would like to point out here that there is a federal statue which prohibits someone from falsely pretending to be military personnel. And the motive behind this fraudulent act was for a major corporation to stop a complaint which included the possibility of a violation of federal law. Please see the US Code below on this topic.\n\n18 USC 912 - Military personnel or DOD employee of the United States Whoever falsely assumes or pretends to be military personnel or DOD/or employee acting under the authority of the United States or any department, agency or officer thereof, and acts as such, or in such pretended character demands or obtains any money, paper, document, or thing of value, shall be fined under this title or imprisoned not more than three years, or both. \n\nPROOF OF MY CLAIM I am very confident and will provide very strong evidence below that USAA Administrators ( specifically a USAA Administrator by the name of XXXX XXXX ) knowingly and intentionally engaged in this fraudulent and unethical activity. I will do so by listing each of the suspected fake posts below. Again, members do not use their real names on this community forum for privacy reasons, instead each member creates a nickname when he or she creates their forum account. USAA can then identify each member by their nickname. Each suspected fraudulent post in question below has a nickname which is suppose to be a real USAA member. At the conclusion of this complaint, I will ask USAA to confirm to the CFPB ( a federal agency with reach into law enforcement investigations ) and under penalty of perjury that the specific nicknames of the posts in question listed below are in fact real USAA members and are not USAA employees or family members of USAA employees. That confirmation request of USAA does not involve the disclosure of any privacy information on any individual, that request that I will make of USAA at the conclusion of this complaint simply requests a confirmation that those nicknames in question are authentic USAA members with the understanding that appropriate federal oversight authorities in the future may want to confirm that these are in fact real members who actually sent out the below posts in question. \n\nI will ask that specific request of USAA and I am very confident that USAA will not come back to me and the CFPB in this complaint and provide that specific confirmation because I am very confident that the posts listed below were created by USAA Administrators as fraudulent accounts, impersonating military service members in violation of US Code, and targeting my discussions with other members in response to my original referenced complaint with the ultimate goal of disconnecting me from the forum.\n\nI felt this most recent fraudulent activity on the part of USAA started to cross the line into illegal activity and I felt it was important to prove the specific intent of this entire fraudulent scheme on the part of USAA, which was to disconnect me from the USAA community forum.\n\nSo I responded to one of their fake posts ( which is listed below ) with a factual response in which I even used the terminology in a recent legal opinion from a Federal Judge on the topic of censorship on social media forums, whos legal opinion stated : You can not shut someone up because you dont like what theyre saying. And after replying to that fake post with a factual response, later that day USAA permanently disconnected me from the USAA community forum. \n\nSo to state the bottom line at this point, after 39 years of being a member of USAA, after having posted over 1,800 posts on the USAA community forum, and after having received XXXX Likes Received from my fellow military members ; within days after I submitted my original referenced complaint to the CFPB, USAA PERMANENTLY DISCONNECTED ME FROM THE USAA MEMBER COMMUNITY FORUM. And the significance of this second complaint is that USAA did so by intentionally using fraudulent and unethical business practices to disconnect me which included creating fraudulent member accounts, pretending to be real members then from those accounts posting insulting comments including the words XXXX, incompetent, and questioning military members XXXX status. This entire fraudulent activity was with the intent to stop my original complaint which identified not only a number of questionable business practices but the possibility of a violation of federal law on the part of USAA, which in my opinion can be construed as obstruction of justice of any possible and future law enforcement investigation that may be initiated by the CFPB. \n\nIf USAA did not like my factual comment then all they had to do was edit it or delete it, which they do on a regular basis given the high degree of frustration that members have when communicating to USAA. One short example of this point is that when you go on the community forum and do a search of the one specific topic of USAA XXXX, there are 235 results.\n\nSo to prove the specific intent of this fraudulent scheme by USAA, I had to basically sacrifice myself on the community forum but this in no way stops any part of the requests listed in my original referenced complaint because there are other USAA members who will follow on with the actions and requests I listed in my original referenced complaint. I do not wish to list those members in this complaint because the very questionable employees at USAA will likely start targeting them just as USAA targeted me. I will be happy to provide those names of the other members to the CFPB by phone. The bottom line point here is that all of the requests in my original complaint remain active and applicable and will be acted on either by myself or fellow USAA members, depending on each specific requested action listed in my original CFPB complaint. There will also be new requests of USAA listed at the conclusion of this complaint. \n\nEXAMPLES OF THE FRAUDULENT POSTS CREATED BY USAA At this point I will reference below some of the suspected fraudulent posts that USAA likely created and placed in back and forth discussions I was having with other members to provoke a response from me that they could then use to justify disconnecting me from the community forum. Keep in mind the vast majority of the members who come on the USAA community forum do so to make a complaint against USAA or support others who are making a complaint against USAA. Please note in all of the fake posts below there are specific indicators that they are fake posts : 1 ) Those were the only posts ever created by these fictitious members as confirmed in their profiles. We never heard from them before that post and we never heard from them after that post.\n\n2 ) They all say things that no military member would say to another military member who is simply stating a complaint to USAA. Certainly not based on my experience of being on this community forum.\n\n3 ) Oddly enough as well, each one of the fake posts have trademark intentional misspellings.\n\nFAKE POST 1 : ( NOTE : I was having a back and forth discussion with a real member by the nickname XXXX who was making a complaint to USAA on behalf of his adult children who were affected by Hurricane Michael. Then the USAA moderator posted the following insulting comment in that discussion using the fictitious nickname of XXXX XXXX XXXX : POST STRING BEGINS From : XXXX XXXX XXXX 2 weeks ago As is the case with most people that complain about service while millions of others have no issues it typically comes back to the individual not following instructions and being incompetent. Youeven in your own narrative do not define who \" they '' is in receving the check. You also sound like a busy body complaining to USAA about your \" kids '' while they can't even follow directions correctly. \n\n( NOTE : Then A_Dad replied to that very questionable post in which this senior member himself stated that post from XXXX XXXX XXXX was from a USAA employee. Below was A_Dads response to the fictitious post. ) : From : XXXX Friday Dear Keyboard Warrior ( AKAOccasional Contributor from Phoenix ), I'm not sure I understand your point of view, but let 's look at your response a little closer, becauseI am convinced that you are an employee of USAA expressing your true feelings about USAA customers expectations of quality service during a disaster, behind a shield of anonymity. This hostility is slowly becoming openly displayed when talking with the USAA Rep on the phone. My \" Kids '' are far more willing to overlook rude behavior than I am. I take a little pleasure in confronting internet bullies, or those with the stones to do it. \n\nPOST ENDS ( Note : Below are the three other posts from this XXXX XXXX XXXX on that one day and on that one day only. We never heard from this fictitious member before or after these few insulting posts on that one day. Lets just see if USAA comes back in their reply to the CFPB and confirms under penalty of perjury that this XXXX XXXX XXXX is a real USAA member and not a USAA employee or USAA employee family member. ) FAKE POST 2 From : XXXX XXXX XXXX a week ago Wow so you win the XXXX of the week award! You openly admit in a post that your husband is complict in insurance fraud. \" The man had fallen off a 6 foot ladder at his home and used my husband to make medical calims and usaa paid them. '' You openly admit to knowing of insurance fraud occuring and do not notify USAA or law enforcement, which makes you complict. A mere {$50.00} montly increase makes your mortgage unaffordable ... ... maybe you shouldn't be a home owner. \n\nFAKE POST 3 From : XXXX XXXX XXXX a week ago Well maybe it's because this is USAA not XXXX and since you were approved anyway why don't you just chill out and be happy. \n\nFAKE POST 4 From : XXXX XXXX XXXX a week ago Seriously you are MAILING CHECKS in for deposit. You know this is XXXX and not XXXX right. Why don't you take a lookin the mirror and bring yourself up tothe current century! \n\nPOSTS END __________________________ FAKE POST 5 On XXXX XX/XX/XXXX, the USAA Administrator very likely behind this entire scheme of creating fraudulent posts ( XXXX XXXX ) created a fake post with a one line comment then actually replied to it as herself ( XXXX XXXX, USAA Administrator ) with another one line comment to the fake post she had just created. What is of such intentional stoking with this fake post on the part of this particular Administrator is that this woman is notorious for imposing censorship on the military members on this forum and she has basically shut down all discussions on this so called member community forum with her USAA bumping paragraph that tells members they are not allowed to repeat a topic on the member community forum. Given this censorship background by this XXXX XXXX, she then likely creates the first post below ( saying how wonderful it is to have a discussion on the forum ) and then she responds as herself ( USAA Administrator ) saying how she looks forward to her wonderful discussions. Please see below the actual fake post from XXXX ( the fictitious account name ) and then responded to by XXXX XXXX as herself. \n\nFAKE POST 5 BEGINS ( Note : The first post is the fake post from the fictitious member ) Title : Thanks From : XXXX Saturday I will have to thank you for allowing me to join your lovely discussion ( Note : Then XXXX XXXX replied to the above fake post as herself. This post is clear evidence of XXXX XXXX direct involvement in this fraudulent scheme ). \n\nXXXX XXXX USAA Administrator yesterday HIi @ XXXX! \nWe are so glad you are here! Looking forward to your posts! \n\nEND OF FAKE POST 5 ( Note : What makes it so obvious that the above post is a fake post from this XXXX is that it was the only post ever posted from that fictitious member ( based on her profile ) and there was never any other discussion from her after saying how nice it was to join your lovely discussion. The two of them never said another word to each other. XXXX XXXX was simply trying to stoke a response from me by posting a comment of extreme hypocrisy in talking about having wonderful discussions while she has imposed such extreme forms of censorship on so many military members who were trying to simply speak the Truth about USAAs questionable business practices. Lets just see if USAA comes back in their reply to the CFPB and confirms under penalty of perjury that this XXXX is a real USAA member and not a USAA employee or family member of a USAA employee. \n\nFAKE POST 6 ( Note : The fake post below was from the fictitious account of XXXX and in this post the USAA employee who very likely created this fake post below, replied to a real military member who was making a complaint and who stated he was a XXXX veteran. The USAA employee who created this fake post with the fictitious nickname of XXXX replied to the real military member by questioning his XXXX status. NEVER, would a military service member disparage another military service member who stated he was a XXXX veteran. Only a very questionable USAA employee would create a fake post and then from that fake post insult a XXXX veteran. Lets just see if USAA comes back in their reply to the CFPB and confirms under penalty of perjury that this XXXX is a real USAA member and not a USAA employee or family member of a USAA employee. \n\nFAKE POST 6 BEGINS From : XXXX 2 weeks ago He forgot to mention his XXXX rating is probably a whopping 10 %. Everyone wants to be a war hero. If he worked fir me in the military I would send him to budget counseling so he could learn how to manage money instead of blaming others. Since the owners of USAa are the accoubt holders what he did was point fingers at real XXXX veterans, military retirees, and widows. He ought to be ashamed of himself. \n\nEND OF POST ___________________________ FAKE POST 7 XXXX XX/XX/XXXX Title : \" You kept our skies clear. '' From : XXXX XXXX Saturday I was talking to a USAA Lady in the US. I said I only served at a desk on XXXX. She said : \" You kept our skies clear. You kept out seas clear, ''. I thought about it. And then I wept. No one had ever said what I had done was worthwhile. \n\nEND OF POST __________________ Again, I have been viewing military members comments on this USAA community forum for a long time. This is in No Way you would ever see a comment like this from an actual USAA military member. There is no mention of any specifics such as the organization or the USAA Ladys name, and anyone who serves in the XXXX theater refers to the continental US as the mainland, not the US. Lets just see if USAA comes back in their reply to the CFPB and confirms under penalty of perjury that this XXXX   XXXX is a real USAA member and not a USAA employee or USAA employee family member. ) ________________________ SUSPECTED FAKE POST 8 ( Note : Below is a suspected fake post and if it is, this particular post is an example of a USAA employee who is falsely presenting herself to be a XXXX XXXX XXXX combat veteran. Again, it was the only post by this member. Let me add here that this post goes back to the US Code paragraph I referenced at the beginning of this complaint about people falsely presenting themselves as military service members. Lets just see if USAA comes back in their reply to the CFPB and confirms under penalty of perjury that this XXXX acct. is a real USAA member and not a USAA employee or USAA employee family member. ) Title : Let 's talk about finances and investments. \n\nFrom : XXXX 's acct. \n5 hours ago Hello to all the members of the USAA banking and services. I was wondering what things to invest and or start saving for the upcoming holidays? I would greatly apprciate it and thanks for your service to our country and I myself served 20 yrs, I am a XXXX XXXX   XXXX American Veteran. So it's great to share our knowledge as we are Band of Brothers and Sisters of Armed Forces. \n\nEND OF SUSPECTED FAKE POST 8 ___________________________ Let me just state again that based on my experience of reading comments on the USAA community forum and running the USAA Member XXXX Petition which about 2,000 members responded to with comments, the above post is in no way  reflective of what a XXXX XXXX XXXX combat veteran would say if he took the time to come on the USAA community forum. Please read a sample of REAL POSTS just below from 10 REAL COMBAT VETERANS, the last of which is from a REAL 100 % RATED COMBAT VETERAN, and you get a much better understanding of what REAL COMBAT VETERANS say to USAA. \n\nTEN REAL POSTS FROM REAL COMBAT VETERANS TO USAA BEGINS : __________ XXXX  XXXX XX/XX/XXXX USAA, You see, like many who serve it stands for the ultimate sacrifice for as aCommander in XXXX, the flag was draped over seven of my Soldiers as they left XXXX in body bags. They arrived home to grieving family who universally were comforted by the honor of having our nations colors draped over their coffin. You bet, it's emotional and personal for me ... .as it is with most who serve. \n_________ XXXX XXXX XXXX XXXX  I fully support this petition. I will never forget those men in my platoon who died in XXXX, however, by its actions USAA has forgotten them. USAA 's moto \" We know what it is like to serve '' is a joke on us who did serve. \nXXXX XXXX Contributor XXXX USAA 's continuing sponsorship of the XXXX put it on the side of those trampling the flag and spitting on the graves of the fallen. XXXX had a choice to end the defamation or stand by these XXXX XXXX. They chose dishonor over valor.I know what tratorism looks like. I hope USAA leadership has similar strong associations. XXXX XXXX __________ XXXX XXXX XXXX XXXX I've been a member of usaa for 13 years would hate to leave but after seeing this highly paid athletes disrespect our flag for what I fought for in XXXX and XXXX. Makes me upset. As my creed says \" never will I embarrass my country ''. XXXX. Usaa reduce or cut sponsorship for __________ XXXX-XXXX  Occasional Contributor XXXX USAA .... please stop sponsorship with the XXXX immediately They're disrespecting those that have served, died and were seriously wounded serving our Great nation. This is the ultimate sign of disrespect. \nWe in the military have served for these freedoms. But we also have the right to disagree with your message and not let our pocketbook endorse it. I can't allow my pocketbook to endorse an organization ( XXXX ) that allows the ultimate sign of disrespect to the DOD Fallen and wounded and people that have served. \nPlease review immediately your sponsorship and let all members know what direction USAA will proceed with. I need to know if I need to end an approximately 20 year relationship with USAA and look for another Banking company that is more in line with my personal beliefs and Freedoms. \n_________ XXXX XXXX XXXX XXXX XXXX I respectfully request that USAA sever all ties with the XXXX XXXX XXXX. As a 22 year XXXX XXXX Vet with 6 combat tours I feel I can not support any company that supports the XXXX __________ XXXX  XXXX XXXX XXXX  As a XXXX, Purple Heart Veteran, I find it appalling that USAA continues to run adds during XXXX Games. YOU are supposed to support us patriots not the rich prima donnas that insult us. Get with it USAA before I transfer all my accounts else where. Semper Fi! \nXXXX XXXX XXXX XXXX XXXX  Stop supporting the XXXX and terminate immediately any financial relationship USAA has with the XXXX and its subsidiaries. \n__________ XXXX Lightgrunt Contributor XXXX Members of my family have served this country through every war from the Civil War to my service in Global War on Terrorism. Sponsoring the XXXX through these protest is a slap in the face to everyone who has sacrificed time with family blood sweat tears and their lives not to mention what the wives children parents sacrifice to continue to support the XXXX shows complete disrespect for what all of us have sacrificed for I know they have a right to their opinion but to disrespect what we have done is unacceptable to many of us who have missed births graduations and have shed our own blood for their rights no one knows better than we do I thought more of USAA than that I hope this will be rectified they do not deserve the support and you are not honoring us by continuing sponsorship __________ XXXX XXXX You are NOT honoring me, any other veteran, anyone XXXX XXXX or anyone who died in service to this country by sponsoring our enemies! And anyone so disrespectful of my country, my flag or my brothers in arms is my enemy! \nI am planning a return to the United States shortly, the decision to continue to support the XXXX is the final straw. \nI am XXXX XXXX XXXX XXXX, XXXX and XXXX  XXXX. ( Funny how getting parts shot and blown off your body can do that to you huh? ) I can not just jump on a plane and fly home to change banks. NO! I have to bring someone with me to help me with daily activities. You do understand XXXX right? \nThis is going to be very arduous, painful and expensive. My anger will get me through it. It is certainly WORTH it to me! I lost a lot of friends in service to the US. EVERY ONE of them would do the same if they were alive today! \nSo, go ahead, try to placate us with smooth sounding rhetoric and talking points. Tell us ALL about how much you like us. NOT going to change my mind! The only thing that will change my mind is you cut ALL ties, across the board, with the XXXX. NOW END OF REAL POSTS FROM REAL COMBAT VETERANS ___________________________ BACK TO FAKE POST 8 With that sample of ten Real Posts from Real Combat Veterans let us review one more time the very likely fraudulent post very likely from a USAA Administrator in which she creates a fraudulent account ( XXXX  acct. ) and falsely presents herself to be a Combat Veteran who is XXXX XXXX   XXXX, in violation of US Code 9 : Title : Let 's talk about finances and investments. \nFrom : XXXX 's acct. \n5 hours ago Hello to all the members of the USAA banking and services. I was wondering what things to invest and or start saving for the upcoming holidays? I would greatly apprciate it and thanks for your service to our country and I myself served 20 yrs, I am a XXXX XXXX   XXXX XXXX Veteran. So it's great to share our knowledge as we are Band of Brothers and Sisters of Armed Forces.\n\nEND OF SUSPECTED FAKE POST 8 ___________________________ Allow me to once again reference the US Code Statute on the topic of falsely pretending to be a military service member : 18 USC 912 - Military personnel or DOD employee of the United States Whoever falsely assumes or pretends to be military personnel or DOD/or employee acting under the authority of the United States or any department, agency or officer thereof, and acts as such, or in such pretended character demands or obtains any money, paper, document, or thing of value, shall be fined under this title or imprisoned not more than three years, or both. \n\nAgain, lets just see if USAA comes back in their reply to the CFPB and confirms under penalty of perjury that this nickname of XXXX acct. is a real USAA member and not a USAA employee or USAA employee family member. ) XXXX SAMPLE OF USAA MEMBER COMPLAINTS ABOUT USAA CENSORSHIP ON THEIR MEMBERS Before I start my concluding comment and list the new actions requested of USAA in this second complaint, allow me to provide just a few member comments on USAA Censorship of its members from both the USAA Community Forum on their website and from USAAs XXXX page. \n\nCONTINUE TO NEXT BLOCK","date_sent_to_company":"2018-11-24T00:13:09.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"96815","tags":"Servicemember","has_narrative":true,"complaint_id":"3081736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2018-11-23T23:11:52.000Z","state":"HI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["You also sound like a busy body <em>complaining</em> to USAA about <em>your</em> \" kids '' while they can't even follow directions correctly. \n\n( NOTE : Then A_Dad replied to that very questionable post in which this senior member himself stated that post from XXXX XXXX XXXX was from a USAA employee."]},"sort":[7.4071803,"3081736"]},{"_index":"complaint-public-v1","_id":"2945728","_score":7.374874,"_source":{"product":"Mortgage","complaint_what_happened":"From the Office of XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOJ and Office of the Inspector General XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX Governor Office of XXXX, Governor XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX Governor Office of XXXX, Governor XXXX XXXX, Office of the Governor XXXX XXXX XXXX XXXX, XXXX  XXXX Governor office of XXXX, Governor XXXX XXXX, Office of the Governor  XXXX, XXXX XXXX XXXX  State Offices Attorney General XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX State Offices Attorney General XXXX  State Police Attention Trooper XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Superior Court of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX 4 ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CEO : XXXX XXXX XXXX XXXX 5 ) XXXX County Sheriff Department XXXX XXXX XXXX XXXX XXXX XXXX Sheriff XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX CEO President XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX,XXXX  Board of Dir. \nXXXX XXXX XXXX XXXX XXXX President and cover-up pettifogger worker XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX  XXXX XXXX XXXX XXXX USDOJ- & -USA Inspector General , XXXX State Offices Attorney General CFPB CFPB was establish in order to protect customer from criminal and fraudulent activity done by Financial Institutions and Debt collection like those lying Law Firm XXXX and Phelan Hallinan, XXXX , XXXX and XXXX XXXX. It is very interesting that this lying pirate mortgage corp. is putting a lair and a total genetically mistake to defraud family thinking that nothing will happened. I will not reply to this lair or cleaning garbage from XXXX since he may be the criminal that organized the looting of my property. Because of XXXX I get daily death treats 18 to 28 a day coming from XXXX. This criminal activity is the duplicate this lair refers too? Confirmation of the Death treats was sent to the State Police, Local Sheriff, Department of Justice, Attorney General and in XXXX from where the death treats is coming from the complaint went to Police Dept. XXXX XXXX XXXX the Office of XXXX XXXX and the Department of Justice so we can disaffiliate this XXXX criminal office for good. XXXX XXXX XXXX and its subsidiaries never ever respond to clients. It is a joke to believe that this Pirate Mortgage looter will ever reply or help a customer. Looting, defrauding and organizing death threats are the only activity of this Pirate Mortgage Company. The rest is only lying for this reason I will never stop until I see this criminal organization out of business as well as Udren Lying firm and the criminal and looting garbage Law Firm Phelan Hallinan. They intentionally failing borrowers at every stage of the mortgage servicing process. The modification was designed to help people and XXXX tried to defraud people by increasing the monthly payments by 1700 %. Those are criminal organizations that must be closed. XXXX years of widespread errors, shortcuts, and runarounds cost some borrowers money and others their homes. Even if you do not have any mortgage as is my case this criminal organization is using looter experts Lying Looter Low firms like XXXX and Phelan to stole all your belongs from your property and foreclosure your property in a top secret close door illegal and criminal act against 6/91 foreclosure. XXXX allegedly botched basic functions like sending accurate monthly statements, properly crediting payments, and handling taxes and insurance. Allegedly, XXXX also illegally foreclosed on a top-secret close door against 6/91 foreclosure act and after it they find the proper moment to go in the house illegal and criminal and loot the entire property in case you complain too much. on struggling borrowers, ignored customer complaints, and sold off the servicing rights to loans without fully disclosing the mistakes it made in borrowers records. The XXXX. XXXX, XXXX Attorney General took a similar action against XXXX today in a separate lawsuit. Many state financial regulators are also independently issuing cease-and-desist and license revocation orders against XXXX for escrow management and licensing issues today. \" XXXX has repeatedly made mistakes and taken shortcuts at every stage of the mortgage servicing process, costing some consumers money and others their homes, '' said CFPB Director XXXX XXXX. \" Borrowers have no say over who services their mortgage, so the Bureau will remain vigilant to ensure they get fair treatment. '' Ownership is gone in XXXX in XXXX  and the rest states in USA because of this criminal and Looter & lying experts from XXXX, Law Firm Phelan Hallinan, XXXX, XXXX and XXXX XXXX is completely compromised. XXXX lie to clients that they will reply in 30 days. After 30 days they lie again that they did reply30 days before and so on. Americans are losing their property because of those criminals and is your responsibility to close the doors of those criminal institution find guilty over and over again in Superior Courts in Supreme courts and in local courts. \nXXXX defraud clients with false modification not know to the customer in order to drastically increase by 1700 % They tried to increase the taxes and insurance to my family equal to 370 years using forge documents never discus or presented to me. This is criminal since Modification was designed to help families lowering their monthly payments. XXXX tried to increase by 1700 %. If this is not criminal then nothing is. \nThey foreclose criminal in top secret close door illegal and fraudulent and this is more criminal than any theorist activity and I strongly believe that this is the biggest dagger against Americans. After it they used criminal looters lying law garbage firm XXXX and Phelan the worst criminal looter in the country, use those criminals to lie in courts, defraud people and if they can not intimidate some clients they organized death treats to their clients as is my case. If this is the landing and mortgage servicing organize by XXXX, and this XXXX XXXX   running XXXX XXXX that we must close this criminal business permanently. I am sure those criminals refers to this as duplicate referring to their criminal activities not to what I presented. As mention to all Governors in each state in USA in in particular the State of XXXX, XXXX and XXXX I will keep informing everybody about the criminal activity inside my property for which I do not have any financial obligation, mortgage, loans or credit cards as I do not need. American people are losing their property due to criminal activity properly presented below. Also CFPB must take in consideration that in XXXX the ownership law was flagrant violated by Law Firms that are experts in lying even to their clients and triple charge them ( find guilty in Superior and Supreme Court ). Law Firm XXXX, Law Firm Phelan Hallinan with theirs pettifogger lawyers, XXXX, XXXX and XXXX XXXX and the looting company XXXX XXXX. They can lie, cover up abuse but I will never ever stop period until I get back my property and all stolen furniture, electronica, home decoration looted by XXXX XXXX with direct help form XXXX using looting expert law firms Udren and Phelan, Hallinan. XXXX will pay massive for this criminal activity organize by I see those corrupted company claiming that there is duplicate or any other primitive claim but this is nothing else than a barbaric cover-up and a deceiving tactics that sooner or later will be expose. There must be a limit on how much a family is defrauded by criminal organization interested only in lying, defrauding, deceiving tactics and in particular all done in a criminal and illegal way in a top secret close door act which s the specially of XXXX in particular, XXXX, XXXX XXXX, and the two Law Firms Udren and Phelan Hallinan, The pettifogger lawyer representing those firms lie even to their own clients in order to defraud them too and triple charge then since those primitive and corrupted law firms consider themselves above law. This criminal activity of XXXX XXXX, Phelan must stop now. All Institutions receiving this letter I pray they understand my frustration with those criminal activities done against my property for which I do not have any financial obligation under any Mortgage Note. For this reason I will be as direct as possible with my words so DOJ, USA Inspector General, CFPB and the rest of Institutions receiving my Letter ( 287 Institutions ) will understand the criminal activity performed inside my house for which I do not have any mortgage or Financial obligation. The crime was done against my property only because my name is on the DEED as clearly stated by Law Firm Phelan Hallinan pettifogger lawyer. The lawyer in this Law Firm defraud and loot people property braking the oath they took of defending the laws of our Country. Is clear that the only oath they took was to loot peoples property in the most criminal way and in a top secret close door. If those are consider lawyer than the legal system is completely dead. The American spirit of owing a property in XXXX was completely destroyed by those criminals that for a portion if French fries they sell their mothers too. You work very hard or fight in wars to protect your country in order to see criminal lawyers defrauding you in a top secret close door act inhuman and criminal. I never believe that in XX/XX/XXXX-XX/XX/XXXX in USA we meet so many, criminals lair that tries only to cheat, deceive, cover up fraud, abuses vandalism done to my property. A lawyer took the oath to defend the law of our Country. XXXX and Phelan Hallinan pettifogger lawyers including this assistant ( or a clerical cover-up artist ) XXXX XXXX XXXX organize the theft, looting, vandalism, burglary and criminal activity inside a property when the case is in Courts NOW and again in a criminal top secret close door act. It is very hard to understand how come only now document appear presented by this pettifogger assistant XXXX XXXX XXXX. How convenient to send documents after looting, vandalism criminal trespassing and complete destruction of the property. Only a criminal organization that even lie to their own clients by triple charging them abusing their trust can loot property in this top secret close door criminal act of fraud. Those pettifogger lawyers knew that is a close in community and I will have no access inside until I get back my property. Also they been informed by XXXX that I will be in XXXX to prove the fraud was done with forge documents and immediately organized their criminal activity to loot and stole everything from inside my house for this reason I will ask again looter XXXX XXXX to put back inside my property all stolen items before we meet in criminal courts.???? I am sure that for this {$100000.00} value property XXXX, XXXX XXXX XXXX will pay only on legal fees {>= $1,000,000} minimum. I will not mention the damages and so on that will be drastic high. Also I must stat that this will start a me too movement against those criminal organization specialize in fraud ad criminal activity. I pray that in the Criminal Court she will use those Phelan Hallinan pettifogger lawyers. A very interesting fact of the criminal activity of this deceiving criminal and looting exert Law Firm Phelan Hallinan when they organized the looting of my property they sent me a letter informing me that they withdraw their legal case against me, but they never mention until XX/XX/XXXX they organized this crime with the direct help for the local Sheriff Office the same one that helped XXXX foreclosed in a top secret close door days after they inform me that the foreclosure was stope by them. What is interesting about their letter is the fact that they conformed in writing that the looter XXXX XXXX never contacted me because she did not have my address. Those criminal not only deserve to be out of business but also put in prison for life together with XXXX, XXXX, XXXX and XXXX XXXX. To lie in such shameless way is as criminal as the looting act done intentionally but I hope they understand what they started. I am not like those lairs but I will bring them in criminal courts for many years from now on : XXXX, XXXX, XXXX and XXXX XXXX especially. This clearly indicate to what level this filthy Law Firms will go lying without any shame. How can you send a letter exactly when they organize the looting and never mention a word about it and after the looting was executed they sent me a letter in XX/XX/XXXX to a USA Gov. Agency lying without any shame that they did not have my address? The letter of this pettifogger assistant XXXX XXXX XXXX will have massive consequences in a criminal court soon. Those criminal Law Firms had been find guilty in the Superior Court as well as anther courts for even lying to their clients and triple charge them only because they consider themselves above law ( but not for long ). They use a friend or a relative looter XXXX XXXX and she must use this letter in order to understand her criminal behavior ( as the case is in the Court even now ) and the consequences. This was possible because pf the strict order of the XXXX  abuser running ( for now ) XXXX XXXX, XXXX and the people from XXXX that was the only company in this planet that knew I will be in XXXX to prove their forge documents XXXX set me a letter stating that they are an international company but I guarantee not for long. Once we go to Criminal Courts there will never ever be a settlement I will guarantee you. CFPB jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors and other financial companies operating in the United States. The CFPB 's creation was authorized by the DoddFrank Wall Street Reform and Consumer Protection Act, whose passage in XX/XX/XXXX was a legislative response to the financial crisis of XX/XX/XXXX and the subsequent Great Recession. The CFPB 's status as an independent agency has been confirmed by the U.S. Court of Appeals. XXXX the pirate mortgage company to understand their criminal activity from 732 cases 0 Issues resolved, 732 Total reviews, $ XXXX Claimed losses, $ XXXX Avg loss ,180K Page views The bad boys of mortgage service XXXX are XXXX making headlines and for all the wrong reasons. A major U.S. mortgage servicing firm under investigation for issuing backdated letters to borrowers who sought loan modifications is also the subject of thousands of consumer complaints, government data show. The Securities and Exchange Commission sent a letter to XXXX on XX/XX/XXXX about the probe, asking the company to voluntarily produce documents and information, it said. Regulator Finds Deficiencies With Mortgage Servicer XXXX XXXX XXXX ( XXXX ) has been targeted by 13,520 complaints filed  with the Consumer Financial Protection Bureau since XX/XX/XXXX for problems involving loan servicing, foreclosures and related issues, according to the regulator 's data. XXXX XXXX is again being probed by regulators over fees and expenses related to liquidated loans and bank-foreclosed properties, the company said in a regulatory filing on Monday. I wonder if 13,520 people complaining about XXXX is not enough as mention during our very long phone conversation have as of today a PETITION sign by 69,455 consumer defrauded by those criminal Institutions. I expect that at list 140,000 will sign this petition and I expect to have even 200,000 people defrauded by them that will sign it. Strange all people respecting the law are defrauded by criminals protected by strange laws that must be challenge now. I will do this from now on even if will take me 50 years I am ready now. I no longer tolerate those cover-ups abuses and see my property being destroyed by criminals looters in this top secret close door act even if they got help from Public Offices establish to protect people and keep order in this Country. After our very long today conversation about the criminal activity of Law Firm Phelan Hallinan, XXXX inside my property I will confirm that XXXX, Phelan Hallinan, XXXX XXXX, XXXX XXXX beside lying those company are doing only their best to manipulate the truth and this I will never tolerate. During the conversation you stated that CFPB needs a few thousand complains so criminal organizations like XXXX, Phelan Hallinan, XXXX and XXXX will be penalized like minim like XXXX XXXX ( {$1.00} bill ). In your site is stated that over 13,520 complaining about them was not enough to bring them a {$2.00} bill penalty. As mention during our phone conversation I have as of now a petition signed by 69,466 people and I expect to get at list 150,000 to 200,000 people signing this petition before I go public. They provide me a one page letter describing what happened and gave me a mortgage invoice so criminal organization ca no longer lie. You stated that they should file their claims directly so I will make sure that this will happened in the next weeks. I will also instruct them how to contact you directly. A full copy of the 69466 petition I will bring to DOJ, Dept. of Commerce Federal Reserve SEC, XXXX Banking Department, Attorney General of XXXX  and USA and your Institution in XXXX XXXX. I am a person determined to protect my property legally not criminal like those looters that vandalize, and destroyed it intentionally. I will never stop until I get back my property for which I do not have any mortgage or financial obligation. A property foreclosed illegal and criminal in a top secret close door by XXXX XXXX XXXX and looted by this Law Firm Phelan Hallinan only because my name is on the DEED. They also had the impertinence to mention that even if I do not have any mortgage or financial obligation under the Mortgage Note I was looted because of my name on the DEED and put this in writing for which I thank them since they will not understand the legal implication. What those looter confused is the economic concept of private property which refers to the rights owners have to the exclusive use and disposal of a physical object. Property is not a table, a chair, or an acre of land. It is the bundle of rights which the owner is entitled to employ those objects. The alternative ( collectivist ) view is that private property consists merely of a legal deed to an object with the use and disposal of the object subject to the whims and mercies of the state. Well is very clear that today in XXXX  is a crime to be the owner of a property. In case your name is on the DEED a criminal Law Firm like Phelan Hallinan or XXXX will find an opportunity to loot your property in a top secret close door act since the laws in XXXX   protects those criminals and you as a person are guilty for having your name on the DEED. Their Constitution and Bill of Rights protected property in many ways The Founders were worried that Congress might use the tax system to loot property owners in some states for the advantage of other states. Accordingly, they required that direct taxes ( mostly importantly property and income taxes ) be apportioned among the states ( Article I, Section 2, Clause 3 and Article I, Section 9, Clause 4 ). They also required that indirect taxes, such as import duties, be levied uniformly ( I-8-1 and I-9-6 ). When it became clear that the ban on ex post facto laws was not broad enough to protect property, they partially plugged the gap with the Fifth Amendment, which ( 1 ) prevented any person from being be deprived of his property, without due process of laws and ( 2 ) required compensation when a property [ was ] taken for public use. They added a section ( Article I, Section 10 ) with several provisions protecting financial assets against state governments. They granted the federal courts jurisdiction over interstate land claims and interstate debts to limit the extent to which state courts could discriminate against the property rights of out-of-staters ( III-2-1 and III-2-2 ).  They added the Eighth Amendment, which barred excessive fines. With the letter of this lair representing Law Firm Phelan Hallinan I will challenge even the above mention ownership law protected under the Constitution since is a liability to own a property in XXXX that can be looted, vandalize, destroyed by criminals only because your name is on XXXX  Deed. Even if you do not have any financial obligation under a Mortgage Note your guilt is your name on the DEED only a looter specialist from Phelan Hallinan can invent this garbage. For this letter I will say Thank you to this looting expert Law Firm Phelan Hallinan since I will use it in order to challenge the ownership law of our country. I will explain below how. I am a victim of the most criminal and fraudulent foreclosure done intentionally in a top secret close door act against XXXX  Foreclosure 6/91 done in XX/XX/XXXX ( not XX/XX/XXXX when looting started ) by an unscrupulous and deceiving lawyer representing Udren Law firm a company that I expect to disappear soon. I am defending my property using only Legal system not like this XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX or Law Firm Phelan Hallinan that used looter XXXX XXXX XXXX XXXX to vandalize, abuse and destroyed my property for which I do not have any mortgage or financial obligation. In XX/XX/XXXX Law Firm Phelan Hallinan used looter XXXX and her {$75000.00} ( wow!!! Business ), XXXX XXXX organized the massive theft, vandalism, destruction when they empty my private property for which I do not have any mortgage as well as no financial obligation only because my name is on the DEED. I have no financial obligation under any Mortgage Note in this planet. The excuse to say that everything looted was also dispose because they could not contact me this is a clear case of primitive case of cover up that I will deal with it in Criminal Court once I get back my property. If looter XXXX do not put back all my properties we will meet me in Criminal Court soon and the amount will not be {$260000.00} but {$10.00} mill. This criminal activity was done at the specific request of XXXX since I informed their short term worker XXXX XXXX from XXXX XXXX ( a worked XXXX like XXXX in lying covering up and abuses agaist XXXX Clients ( but I will deal with this lair in Criminal Court soon ) ). What this XXXX XXXX from XXXX XXXX did was criminal, vicious and malicious done again in a top secret close door knowingly that I will be in XXXX in order to prove that most documents fabricated in XXXX by XXXX are used in USA to defraud families. XXXX XXXX this is your chance to put back allstolen by you private property before I win the case. After it, there will be criminal charges againt your criminal activity done intentionaly in a top secret close door knowingly that my property is located inside a close in community and in case you do not have ( temporary in my case ) the Deed you do not have acces inside the community. I pray that one of the incompatant lawyeres from XXXX or Phelan will try to protect you inside the Criminal Court. XXXX and in particular XXXX knew this and did their best to abuse the system and if you do not put back my private property we will have many years in criminal courts count on it. This was possible because the XXXX running XXXX XXXX ( soon will be replaces ) XXXX XXXX XXXX XXXX order it as confirmed by pettifogger assistant XXXX XXXX XXXX of Law Firm Phelan Hallinan in his deceiving and covering up letter sent to CFPB. I mention the word Greek is because the XXXX people are well known of having honor, dignity, decency and respect for humanity but not this one from XXXX XXXX. Also we have criminal behavier from XXXX, XXXX XXXX XXXX and in particular their anonym worker and laier expert pettifogger XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX and in particular XXXX XXXX from XXXX XXXX that know I will be in XXXX to prove that the documents used to defraud my property are forged and fabricated. How much a person can take those lies??? How can you go abroad to prove that the entire foreclosure is based on forge documents and fraudulent activity and after it you go home and discover that a filthy law firm defrauded and vandalize the property only because you are the owner and your name is on the Deed??? This is more than criminal and should be punish to the full extent of the law. I am only legally defending me property, a person with no financial obligation in this planet, no mortgage, no credit cards, no debts, and no loans. Why should I go through this criminal and vandalism of my property because a deceiving Law Firm is above law and can defraud my family? As per my conversation with CFPB to understand why I call this Law Firms lair is because they clearly stated that I did not provide a mailing address!!!!!!!!!!!!!!!!! If I did not provide a mailing address how this lying Law Firm Phelan Hallinan sent me in XX/XX/XXXX a letter with a Motion to dismiss their case without prejudice and ignore the main fact that my property was looted by them??? I need to know why a USA XXXX veteran fighting in XXXX and XXXX did not have access to remove all private property from inside my home. This question was address to the Secretary of State representing Veterans and I expect to get the proper support. Why a person fighting in XXXX have all private property stolen since her name was not on the Deed or on the Mortgage???? Why an XXXX year old mother had all her private property stolen by the same criminals in this top secret close door criminal tactics and put her on the street in a criminal way. What she has to do with Deed, mortgage or financial obligation? Why everything belong to her was stolen? What is next from those criminal people capable of all kind of crimes? Should I expect those criminal to kill my family NOW, since I have no intention to stop until I get my property back and I will never be intimidated. This people will see the consequences in the Criminal Court once I get back my property. I will conform that I will challenge soon even the ownership law in USA so millions of people that lost their property to such criminal tactics can sue those criminal Law Firms. Nothing is worst that allowing such Law Firms to defraud families using such criminal, deceiving and fraudulent tactics. Since fraud, theft and criminal activity on my property is consider normal for those criminals I will inform CFPB that I will provide soon a PETITION signed by minim 150,000. CFPB penalize XXXX XXXX for {$1.00} bill for crimes a lot less than those two Law Firms and because a few thousand people complained about them. Well as of today I have 69,466 people signing the petition against the criminals mentioned above and I expect to get from 150,000 to 200,000 so such criminal activity will stop. If 69,466 is  enough to bring a similar penalty to the above mention criminal company like XXXX XXXX please let me know so I can bring the petition as well as their letter confirmation and a proof of the illegality done against them so CFPB can penalize those criminal institution immediately. Also I would like to inform CFPB that I establish a Non-Profit organization that will have enough money ( I have a conformation of {>= $1,000,000} NOW ). SEC, Commerce Dept. and other Banking Departments will provide help from their Alumni legal system. I also have a Promissory note for a lot more money that will be deposit once we establish a complete system that will give victims like me a chance not only to bring to court only the companies that foreclosure illegal against their property but also criminals that did their best to foreclosure in order to collect a minim bonus for defrauding people. We want to make sure that each lair from XXXX, XXXX, and XXXX XXXX and in particular this lair from XXXX XXXX XXXX from XXXX XXXX  will be put in criminal court. Our Country fight XXXX, and other XXXX organizatin but the real crminal activity is the one against americans without any finacial obligation as is my case. XXXX, XXXX and XXXX, I am sure they will be out of businss soon as I dedicate my life to prove their criminal actovity from now on. Please put this letter in a special place so you can see such filthy and criminal organization will no longer be allow to operate and defraud people. I want to make sure that each victim have a chance now to sue those criminal organization for fraudulent foreclosures as was the case with a XXXX year old lady for a balance of only {$0.00} and a XXXX person XXXX year old for a balance of {$0.00}. If this is not the worst criminal activity than nothing is. I will also organize a special account so people that lose their property can defend themselves in court without any fear, Why CFPB penalize only XXXX XXXX for {$1.00} bill and did not close the doors permanently to such a filthy Law Firms?? To learn that they can defraud your property only because your name is on the Deed this to me is more criminal than any XXXX organization activity in this planet. Such Law Firm is the biggest danger today in America and I will do my best to expose them and close their doors permanently I have a simple question for those organization that confused fraudulent mortgages. If a family sale their property and only one sign the contract is that contract valid or not? It is clear that the incompetents from this Law Firms will declare that selling contract is a valid contract because they have a marriage certificate!!!!! I will never stop until I make complete light to the criminal activity that took place inside my property for which I do not have financial obligation. I also want to mention that a Judge from XXXX named XXXX XXXX XXXX was sentenced to 28 years in prison and I expect that in XXXX to see the same soon. I mention in my leeter dated XX/XX/XXXX about those activity and now we see results. \nXXXX XXXX, XXXX XXXX","date_sent_to_company":"2018-06-26T04:10:24.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"11375","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2945728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Phelan Hallinan Diamond & Jones, PC","date_received":"2018-06-26T00:05:12.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After 30 days they lie <em>again</em> that they did reply30 days before and so on. Americans are losing their property because of those criminals and is <em>your</em> responsibility to close the doors of those criminal institution find guilty over and over <em>again</em> in Superior Courts in Supreme courts and in local courts."]},"sort":[7.374874,"2945728"]},{"_index":"complaint-public-v1","_id":"5778692","_score":7.276576,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX XX/XX/XXXX This is to complain against the Wells Fargo. \nURGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Wells Fargo to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Wells Fargo. \nIn order to clear up the myriad of letters and correspondences I have hitherto sent to Wells Fargo respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. \nIt is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. \nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Wells Fargo to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. \nDuring the complaints process with Wells Fargo, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. \nThey are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. \nGeneral Obligation : Commencing on or around XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to these fraudulent investment companies. \nWhen determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following : ( i ) whether Wells Fargo did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Wells Fargos custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Wells Fargo promoted the transactions in question despite being aware of the nature of the transactions in question ( iv ) whether Wells Fargo was in compliance with its own policies and procedures ; ( v ) whether Wells Fargo owed duties to myself, what the scope of those duties was, and whether Wells Fargo did not uphold those duties ; ( vi ) whether Wells Fargos conduct was unfair ; and ( vii ) whether Wells Fargo has within its power the ability to, and should, compensate me for the harm that has befallen me. \nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. \nIn providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent organization. In this case, this means that the payment service provider should not turn a XXXX eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Wells Fargo must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. \nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. \nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Wells Fargo did not foresee the fraud and disregarded even the most obvious dangers in this respect. \nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.\n\nWells Fargos Position : On XX/XX/XXXX, Wells Fargo wrote in a letter We understand that you believe you may be a victim of a fraud scheme resulting in you wiring funds to a third party under false circumstances. We will make every attempt to recall a wire if a victim advises us the transaction was associated with a fraud scheme ; however, we can not guarantee we will able to return the full amount from a suspected fraudulent transaction. If there are insufficient funds in the recipients account or if the recipients account is closed at the time the request to recall a wire is made, we may not be able to recover the funds from the recipients account. \nRefuting Wells Fargos arguments from a purely logical perspective : Wells Fargos position is that the features of the situation at hand do not generate a genuine obligation to protect innocent and helpless victims ; they are essentially arguing that commonsense-based approaches are doomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful choice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves even though ample evidence has been offered in support of this complaint.\n\nIn Wells Fargos view, it is implied that we should not home in ( and consequently rely ) on unwritten laws, practicality, good judgement, reasonableness, sharpness, sensibleness, past outcomes, and insight, when taking appropriate precautions. To underscore, once again, such views are at odds with common sense and are wildly irresponsible.\n\nImagine a view according to which the one and only thing that can make Wells Fargo morally obligated to do something is having it written down somewhere. Pursuant to this view, if Wells Fargo encounter the suffering of totally naive victims, they are only obligated to intervene in or remedy the situation, to the degree required by written material. This is unbecoming for a reputable establishment such as Wells Fargo. \nI have reviewed the material hereto sent by Wells Fargo carefully, and it unfortunately provides no response to my fundamental argument concerning the degree of care. Given its size, influence, and the resources at its disposal, this establishment clearly had a far greater capacity than an individual such as myself had, to determine the level and likelihood of risk that a client such as myself is subjected to and had a duty to intervene as they now do to query in particular out-of-pattern transactions of this kind. \nIt is perfectly obvious that Wells Fargo, inadvertently, employs a subtle approach in addressing some of the key questions in a manner which neither provides me with adequate support nor protects anything other than its own interests. \nIt is Wells Fargo here, who has the burden of proof, to show that it has exercised the duty of care, that is to say, that Wells Fargo adhered to a standard of reasonable care in relation to the matter at issue given its extensive experience compared to mine. It is Wells Fargo that claims that the damages which I have suffered in connection to this matter have not been reasonably foreseeable, and that my proposed degree of care is not, and has not been, commensurate with Wells Fargos capacity, experience, expertise, or scope of services in any way. To reemphasize, Wells Fargos indisputable overriding purpose is by no means to purely execute transactions in a XXXX and blank fashion, but rather to strike a balance between executing those transactions and capitalizing on its undeniably vast capabilities to protect consumers thereby enhancing market integrity. \nApropos of the fluidity of the concept of reasonableness, all Wells Fargo has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, such as the XXXX, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience. \nWells Fargo is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is : particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected. \nThere are some recommendations to organisations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognise customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimise financial harm. \nThese recommendations are established as a general principle, the organisation should deliver a service that : 1 ) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organisations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorised and unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organisation : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple cheque books; b. sudden increased spending ; c. transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. \ng. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. financial activity that matches a known method of fraud or financial abuse. \nB ) organisations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action. \nWells Fargo are yet to show, or otherwise provide me with, a compelling argument that their wide-ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which requiring their involvement has not only been pressingly relevant but also eminently reasonable and well-justified. \nRather than empathizing with and undertaking substantial efforts to convey their knowledge of the existence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of consumers who have been cheated out of their money and whose role in society is properly fulfilled, positively contributing to local economic growth, development and sustainability Wells Fargo adopts a rather insouciant attitude toward my financial predicament portrayed herein. \nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by Wells Fargo in relation to this matter. I have also thoroughly detailed why they can not simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than selfinterest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status-quo that is corrupting our society at its core. \nConclusion : Based on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices. \nAstonishingly, I am pondering how it is that, despite being shown that Wells Fargos business conduct was insufficient insofar as background checks are concerned, they keep refuting their indisputable role and responsibility in connection with the matter herein discussed. The points that I have hitherto made are too crucial to be taken lightly. Wells Fargos non-observance of the fundamental principles of justice that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself. \nIf it was, indeed, solely my responsibility, we must then believe at least one of the following clauses : a ) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b ) the fraud in question was not reasonably foreseeable, or c ) the transactions in question were not sufficiently alarming. It is extremely unfortunate that Wells Fargo pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary. \nIn summary, I respectively ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. \nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. \nThank you.","date_sent_to_company":"2022-07-17T06:20:20.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"08109","tags":null,"has_narrative":true,"complaint_id":"5778692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-07-17T02:17:04.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In summary, I respectively ask <em>your</em> organization to consider my points, given <em>your</em> personal and companywide obligation to provide a fair and reasonable <em>investigation</em> into the complaint. \nI look forward to <em>your</em> input and would gladly cooperate to reach a fair and reasonable outcome. \nThank you."]},"sort":[7.276576,"5778692"]},{"_index":"complaint-public-v1","_id":"12759789","_score":7.2584887,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX\nI have been fighting Comenity bank since XXXX XXXX XXXX because they are trying to force me to pay for services I did not receive.  I have written numerous letters, talked to over XXXX  different people and got nothing but conflicting information.  They have destroyed my credit rating because they did not follow proper procedures when a cardholder reports a crooked merchant like XXXX XXXX XXXX  and whoever XXXX  XXXX  is. This bank is the worst one I  have ever dealt with since I have been doing  business, and that has been over 70 years. Why is this bank still allowed to remain in business? I have added excerpts from some of the customer complaints. Most of them have the same problem with Comenity. This is what they are doing: Comenity bank is using fraud and unethical practices to force cardholders to pay for services or products they do not receive. They use extortion to force them to pay and if they dont pay, Comenity will use black mail to force them to pay or they will destroy their credit rating. Credit ratings play a major role in every business transaction and Comenity knows this. These are some of the complaints: Comenity Bank Reviews THEY ARE CROOKS TO THE FULLEST. How could a bank like this still exist? No consequences. Where is the law? Is this the USA? Stay away from this bank. They charge for payments that don't go thru even though you get a conformation # from them. Got a janky answer from the manager that it take up to 15 day for them to get an answer.\nI have written three letters explaining this problem to this company but never receive a response!  I will not pay this bill; it is for a bogus account listing a bogus card, from a very disreputable company. DO NOT DO BUSINESS WITH THIS COMPANY!\nI'm sorry, but this is a fraudulent charge to me, and Comenity Bank has unethical business practices. This bank harassed me to pay it, they made collection calls and have been rude and distrustful even though I paid my account in full and closed the account. Helpful (0)\nEveryone should max out all their Comenity credit cards and refuse to pay. Most of the cards seem to be retailers and most people can live without retailers' cards. This will cause enough of a hiccup to get official attention to correct this corporation's thefts.\nThey would not work with me because they said the XXXX had been turned over to collections. I do not even owe this debt, and it is continuing to affect my credit score to the point where my home insurance doubled and is now XXXX more a year.\nThere I was, my car already serviced and Comenity told me to bring my card back when I received it and receive the service then!! I told Comenity, yeah Like this merchant is going to let me drive off and trust that I'll come back to pay for it, LMAO! I had to end up using another credit card I had and told Comenity to keep their card, dont mail it to me.\nPlease do not enroll with any credit card from Comenity Bank /Bread Financial. It is antiquated and a scam. There are some department stores that use them as well as XXXX Do not apply for anything with this bank.\nI can well understand why this \"joint\" has only 1 star rating. Comenity bank is usury at its finest. They are inconsistent, dishonest and scammy. Their accounts often include hidden fees and minimums. Payments will be applied randomly to multiple financed plans and their system does not have real time balance reporting. Their websites are trash. They will also randomly close accounts for no reason. Comenity: expect to be scammed.\nI used to have comenity bank with my XXXX  account and they were to difficult to deal with so I closed the account after they ruined my credit score on items I never bought. Now, I see they are doing the same thing with my XXXX  card. After i finally get out of the mess theyve made with that, I will never ever do business with any company that uses comenity, But since then Comenity bank calls 2 times a day and won't say anything when I answer. Checked them out and they are most likely a rip off scam company. They told us that we didn't pay the interest XXXX XXXX and all of the added fees. They sent us a bill - to our old address, again - and reported us again. Knock a hundred points off of our credit, zero confidence that they won't just do it again. AND when we were talking to them, the rep was rude, treated us like criminals, and hung up on us. Never again will I get anything from this bank. Never, ever, ever.\nComenity Bank is terrible, customer service rep's are just as bad. I purchased merchandise and donated XXXX to XXXX XXXX XXXX XXXX. I was not satisfied with the merchandise so I returned it. They credited by card all but the XXXX that I donated to XXXX XXXX. I later received a bill stating that I had a late fee. I did not have any other purchase on my card. They billed me late fees for XXXX months so I paid the late fee so it wouldn't impact my credit. The next month I received another late fee. My card is not late because I returned the merchandise. They are charging me monthly charges for the XXXX charges. I tried to dispute the matter.  I was given the wrong address, I had to contact the XXXX. This bank is definitely a SCAM. I'm closing my card and sharing my story on all social media platforms.\nComenity bank is such a scam you sent your money on time and they said oh no it takes 10 days to process so they give you late please I close my account immediately thank God the bogus late fees and interest charges which I am not going to pay I wish the companies that use them would not use them because I actually like the companies How come they are not aware of what a scam these people are? \n\nThey are quick to charge a late fee. I had a dispute with them and they never investigated it to get me a refund but the company I had a dispute with settled it later when I called the customer service number instead of the location of the disputed amount.\nPlease stay clear . This horrible greed . Plus I closed acct out last mth I pd it on XXXX XXXX they charged me late fee w acct closed in XXXX  said I may have pay another XXXX if interest from closed acct not pd by XXXX XXXX on closed out acct pd off XXXX bl just has pay interest fees today XXXX . Scammers very money hungry \nDO NOT GET INVOLVED WITH THESE PEOPLE!!! SCAMS. Got XXXX  credit card to buy a sofa XXXX my balance has never gone below that, no matter how much I paid. They now are FORCING account holders to give direct access to your checking account. Call customer service...you get charged XXXX to talk to someone.\nAny card I get I make sure it is not a commenity card. They are terrible, we received XXXX  calls a day on vacation for XXXX dollars. We were on tours and stuff and couldnt go thru getting the card out and writing down confirmations so we sent it to voicemail and took care of it at the hotel however it was ridiculous.\nThey will be hearing from my attorney and I am considering a class action lawsuit. STAY AWAY FROM COMENITY: THEY ARE FRAUDULENT THIEVES.\nI did not sign up for this terrible bank.I had a credit card with XXXX Well they changed my credit card to this terrible bank. Right away after the change I figured out how incredibly crooked Comenity bank is. They do not even have an App. They try to cheat people by making it very hard to find information. I paid off the entirety and will never do any business with them ever again. These kind of banks should never be allowed to operate. .Also XXXX  i am canceling your card After XXXX years just because you knew this bank was horrible but you were getting greedy and you thought you could get more interest and late payments from poor people that could not figure out how to find and understand how to pay this crooked scam company. Shame on you XXXX  for not caring anymore either.\nIm hiring a lawyer and I will go to the news. The store itself floor decor got hung up on and theres nothing they can do. I have my proof and I will not let them get away with this not even a star rating.\nI filed a dispute with them last XXXX  and they did nothing but kept telling that the dispute was still open but one is not supposed to pay any interest on account with a dispute.\nThey are shameless thieves...I was supposed to have paid my XXXX  card in full and after paying it off they charged me an interest of XXXX which rose in three months to XXXX dollars because they never sent letters or emails or text messages. They are the worst for credit cards, I don't recommend it. They are rats.\nJust like everyone else I would give 0 stars if I could. Worst bank ever and I am over XXXX years old so I have experience with banks. If you ever think about getting a credit card from this bank don't. You will have more issues resolving your problems than it is worth. They may even ruin your credit and no one including corporate wants to resolve any issues.\n\nIn XXXX  years of banking this bank is the WORST banking experience I have ever had ,of the 20 banks I have dealt with this one is rock bottom.I gave it a one star rating,if I could of I would of gave it a MINUS XXXX !!!  I owed them like XXXX  cents and the charged me a fine of XXXX plus interest ! I filed a complaint notice and got no response. When I got this ridiculous charge I paid it the next day just to get rid of it and then they hit me with a late charge and more interest !!! Their processing department must be the pony express. DO NOT OPEN AN ACCOUNT WITH THIS BANK, BE AFRAID BE VERY AFRAID !!!\nComenity Bank finds new ways to rob customers and charge interests that are not easy to understand, especially when you have the XXXX Credit Card and choose the 12-month financing option. Be careful and ALWAYS ALWAYS review your statements before making the payments. Comenity Bank is the worst Bank to deal with, they only care about taking money from you. They charge me XXXX as fees for one month, and I pay my card automatically every single month. Don't take any card from them, you will regret it!\n\nDo not apply for any kind of credit card unless you know what bank is being used for the credit. Comenity bank is a scam bank and will continue to charge you so called late fees long after you closed the account. They are also collections so they will turn it over to collections while you have no idea you owe money to a closed account. Complete scam.\n\nCrooked as can be. They do XXXXXXXX XXXX card and routinely send emails saying your payment is due on a certain date. When I go to pay in advance, late charges are already applied. I rarely receive payment emails before the payment is due. We have plenty of money. We just can't work with this company in a fair way.\n\nWe were with XXXX XXXX XXXX  XXXX. We were sold to Comenity and have had problems ever since. We pay our bill in full every month so I dont understand why when we use the card we are denied. This has happened to my husband very recently for the second time. I was also denied access on my card. Weve both been issued new cards and it happened again. Ive been embarrassed at the registerEnough is enough. They have been nothing but trouble.\nTerrible at best. I received a bill from XXXX  years ago that was payed ten tears ago. Comenity bank states that I am 4 months late on payments, but how can that be from a charge that was paid XXXX  years ago. Insane!!\nUse Comenity if you are BRAVE enough, so tired of arguing with them every month. Yes, they gives you headache at every month. Just when you are tired, they got a BIG piece of you without knowing it. It is not even qualified a legit bank to start with!!\nThey are a scam they take your Electronic payment from your bank account and say you did not pay. Then ask for your bank to send proof and say they never received that. And still want you to pay the bill even when its paid off.\n\nI have paid my bill consistently online and before the due date. They have no record of the payments and do not want to discuss it with me. I have tried to talk to their customer service but I could not understand a word they said. They finally hung up on me. I have told them I will not make another payment until they straighten out my account. Now I am receiving XXXX XXXX XXXX calls a day.\n\nI have the exact same problem with Comenity bank. My payment was due on XXXX, I sent my payment on XXXX , this bank claims they received the payment on XXXX. so they get to charge the late fee and interest. I called them , their answer is to check before due date to make sure the payment is in.\n\nThis bank does not expedite credit fraud investigation reported by credit card owners. They have taken XXXX months on my credit investigation and instead of investigating in a timely manner they kept charging me for the disputed charges and late fees, reduced my credit limit from XXXX XXXX XXXX. My original dispute investigation is still not resolved.\n\nAs a travel nurse making exceptional income, I will NEVER use this card again nor will I accept a credit line increase. WORST BANK EVER!!!!!!!!!\nOn XXXX XXXX I called their customer service line and asked the rep if I pay the balance today would there be any additional interest added to the account. They assured me that the final balance was the final balance. I also told them when I hit send on the payment that I wanted to close the account. Today I am looking at a bill for XXXX  more dollars. This company is a complete rip off and I would never recommend them to anyone.\nComenity Bank is a real life nightmare. No customer service skills, no resolutions to problems, a website that doesn't work and the inability to properly handle payment transactions. Move away from this bank as quickly as possible. . I know how to treat customers, and how I want to be treated. I've had XXXX XXXX  for XXXX  years, until today, you all know the problems. I have been a member of XXXX  for XXXX  years. I feel XXXX  did me wrong by turning the credit card over to such a poorly run, and understaffed bank. They had to know but didn't care because I'm sure palms were greased, and greed took over. I'm sorry I renewed my membership several months ago, but after XXXX  years of membership, it won't happen again, they caused our problems.\nSTAY away from them. They are crooks. I think they just string people along until they give up and pay it. They haven't met me. I will be filing a complaint with the feds. I've won before, I will again.\nI have been asked by a XXXX  representative to please keep using the card. Well, I've thought about it and no I will not use this card. Finally, their customer service representatives were terrible. They did not even try to help me and left me with XXXXXXXX  credit for XXXX  days!\nXXXX  switched to this company-try to follow up with Comenity Bank after receiving a letter that my due date had changed by a phone call but if I wanted to speak with a live voice would be charged XXXX XXXX what the heck was XXXX  thinking(not). Still awaiting current bill in mail. Will not setup any online service with this company (Comenity), in fact will stop using this card. XXXX  credit card service has lost a customer.\nXXXX  changed my VISA from XXXX XXXX XXXX to Comenity and its horrible. XXXX  responded to my complaint to the XXXX  in a professional manner but I got a letter from Comenity that was arrogant, obnoxious and a lie as far as their responsibility for unjustly charging me with late fees. Stay away from this bank that at the very least is incompetent with non existing customer support and whose business practices border on unethical.\nVery shady practices. Looks like they are there to get you in an endless loop to rip you off. A XXXX  purchase needed up with a XXXX bill. Their website is not available when I am ready to make the payment and couldnt get them on the phone also. Even after making the payment, they said that I might be getting a bill. When asked for what, they said that there is a daily charge and the balance I paid might not have that charges. Unbelievable!!! How can such a financial institution exist?? Feel awful for the customers who fell into their trap.\nComenity Bank operates worse than you would expect if you were dealing with a third world county bank. DO NOT TAKE OUT A STORE CREDIT CARD IF THE BANK INVOLVED IS COMENITY BANK.\nEach time Im told they will send me a new card, meaning I will be issued XXXX  cards I guess. I cant pay my balance without my account number. On phone Im told I can pay them for an extra fee. I dont think this is legit bank & they have all our info. Now I just want to pay my bill by cashiers check & be done with them which will also hurt my credit. But I dont know how.\nXXXX  issued me this card without my approval, then I canceled the account without activating the card. This was the beginning of a huge mess with nobody answering the phone. Tried to complain to XXXX  and couldn't get through to the right people there either. Stay away from this horrible bank and from XXXX  too.\nComenity recently took over servicing for a XXXX  Visa card from XXXX XXXX XXXX - which worked great for many years. Can't get an online account, can't get a service rep. This deserves NO stars. AVOID at all costs!!\nI received my XXXX  card, i also activated it, set up on line account, cant sign on to view my account, not going to use this card, will cancel it, i dont understand why XXXX  left XXXX XXXX XXXX  for these people, their customer service stinks.\nI have had a credit card affiliated with XXXX  for over XXXX years. XXXX XXXX XXXX serviced it. And I was happy with it. They saved me from fraud a couple of times. Apparently XXXX  dropped XXXX XXXX XXXX  for Comenity Capital bank. After reading some of these reviews I am going to steer clear of Comenity Bank. \nI can't get an online account set up and can't get a service rep. They are terrible!!! I don't understand why XXXX  made this change.\nI've had so many issues with this card. I tried to make a payment but their online and phone system was down for weeks so I was charged a late fee for that. I paid the next month and there's no history of me paying it at all even though I received a confirmation number. Customer service is rude and incompetent blaming me for not paying it in store when there system hasn't been working. Once I pay this card off I will be closing my account.\nComenity bank is charging interest on paid off balances and late charges on top of that. They have no regard for what is right, and calls are back-to-back. I would not recommend Comenity Bank to save my life!\nI cannot believe this company calls themselves a bank! This is the worst company ever! They made a $XXXX  mistake on my account. That's insane. Thank goodness I don't do business with them anymore.\nThey suck. On XXXX/XXXX  I mistakenly paid $XXXX  on a $XXXX  bill. They said I would have a check by XXXX. Nope, one operator said it is in the mail. This last operator said it is being processed. I told them, I am XXXX  and XXXX  costs me XXXX. I have no money to pay for it. They can't fed ex it nor can they call me or email me to let me know it was sent.\nComenity Bank does not Protect its credit card customers against unprincipled, unscrupulous merchant actions against its unknowing Comenity Bank Credit Card users. Please, beware of your online transactions using Comenity Credit Card. This bank does not protect its customers money,\nThey're trying to extort payments for returned items. I won't bore you anymore with the details except to say that If I see any financial ,banking or lending institution even remotely associated with Comenity I will try to get away from it as fast and far as humanly possible!\nThey're still charging me fees AFTER the card was supposedly closed. This is fraud and theft, and I'm in the position of having to fight with them because if I just don't pay it they could report to credit bureaus as an unpaid balance. Avoid any card through this bank at all costs--they're scam artists.\nHolding my payment hostage: I made a payment to Comenity XXXX more than the minimum payment which I frequently do. The payment was made on time but the payment somehow was inadvertently posted to a dead/closed account that was over XXXX years old. Why or How Comenity was able to post monies to a closed account.\nThe XXXX  Credit Card, managed by Comenity Bank, is a total fraud. I had autopay setup but then they stopped it without telling me. and then stacked up XXXX  months of late fee, and no notifications what-so-ever, until an agent called me i have XXXX months of late fee XXXXXXXX) stacked up. Total scammers... for a purchase of XXXX they should not be on this earth.\nComenity bank sent me a letter telling me that I owe them all the multiple transactions they stole from me or they will report me to the credit bureau. When I looked at my credit card statement, It showed the original transaction I made at Sportsman's, then it shows XXXX additional debits each for the same amount of over XXXXXXXX, but the debits are described as recurring payments.\nWhen I called them to resolve the issue, they told me they had fixed the issue, but they never did. I have called them many times and even though they admit this is a mistake, they tell me that they fixed it, but they still haven't.\nMy credit score is in the XXXX's for the last XXXX  years and now they are threatening to destroy it. I think I am going to get a lawyer and sue them. This is the most frustrating financial issue I have ever dealt with.\nWebsite and phones do not work AT ALL - don't try to pay them, you can't. Will just get you extra fees. They are a XXXX company - happy to give you credit at a high rate. NOW cannot even pay. Tried online. try calling. this is XXXX Just want to pay off and cancel this card. NOT WORTH THE HASSLE!\n Rude employees, XXXX  months trying to get a fraud charge taken care of. No one cares or bothers other than being rude and hanging up after a XXXX hour wait.Ask for supervisor was given another rude and non caring, uneducated employee. . Where the heck is this bank ? Well not sure it is a bank. I want my card closed and the false charge taken off. Does anyone care. I guess reviews don't mean anything because it is quite obvious they don't read them. Hundreds of reviews on this bank and they are still open. System has been down for XXXX weeks. CLOSE MY ACCOUNT.\nI have the exact experience with these people. Comenity Bank is a rip-off and so is XXXX! I have been charged a restocking fee and a late fee because I chose to fight this. Thus far Comenity says I owe them XXXX ALL IN RESTOCKING AND LATE FEES. I REFUSE to pay.\nI think it's literally been almost XXXX weeks now. Can't see my balance, can't pay my bill, I had to assign another payment method for all my Afterpay and pay pal pay-in-four purchases because the card is not going through when automatically billed...This is a disgrace - who monitors these XXXX anyway?\n\nThis company will try and ruin you. After calling them never wanted to tell me anything and the emails they kept sending me were the same ones over and over again. The unprofessionalism with these people are sick.","date_sent_to_company":"2025-04-01T18:05:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75216","tags":"Older American","has_narrative":true,"complaint_id":"12759789","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-04-01T17:33:24.000Z","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":["They are a scam they take <em>your</em> Electronic payment from <em>your</em> bank account and say you did not pay. Then ask for <em>your</em> bank to send <em>proof</em> and say they never received that. And still want you to pay the bill even when its paid off.\n\nI <em>have</em> paid my bill consistently online and before the due date. They <em>have</em> no record of the payments and do not want to discuss it with me. I <em>have</em> tried to talk to their customer service but I could not understand a word they said. They finally hung up on me."],"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":[7.2584887,"12759789"]},{"_index":"complaint-public-v1","_id":"12638741","_score":6.885083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. My true and correct name is XXXX XXXX XXXX XXXX!!!!! ( PLEASE REVIEW MY NEW IDENTITY THEFT REPORT WITH NEW DETAILS REGARDING THE BELOW FRAUDULENT ACCOUNTS AND MY MAIL BEING STOLEN TO MAINTAIN THESE ACCOUNTS WHICH IS ALSO A FEDERAL CRIME )!!!! I AM A VICTIM OF IDENTITY THEFT.! I AM REQUESTING A SECURITY FREEZE BE PLACED ON MY ACCOUNT IMMEDIATELY! SUPPORTING DOCUMENT FROM XXXX XXXX REMOVING INFORMATION FROM THIER SYSTEM AS WELL FOR THE FRAUD I HAVE SUFFERED WILL BE A POTENTIAL EXHIBIT IF THIS CAN NOT BE SETTLED ALONG WITH THE OTHER SUPPORTING DOCUMENTS I AM SUBMITTING TO SUPPORT ME INFORMING ALL THE FURNISHERS THAT I AM A VICTIM OF FRAUD. \n\n!!!! Please do not respond staying you have previously responded to these disputed accounts or that they are being disputed!!!!! \n\n!!!!! RESPOND HERE ON THE CFPB AND UPLOAD THE RESULTS IN YOUR DETERMINATION WITH THE CLOSING IF THIS COMPLAINT!!! \n\nSince in all your previous replies you have sent me no such determination that complies with the FCRA regarding the opening of fraudulent accounts and their removal. Once you have been notified of such a fraudulent account. Nor have you proven that my claim is frivolous to deny a fraud block granted by law. \n\n\n\n2. Pursuant to FDCPA Section 807 ( 8 ), as it appears in the United States Code : 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 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. \n\n\n\n3. I personally complained and wrote to and made XXXX aware of these fraudulent accounts they also refused to comply. And in the event that they are not removed I will be seeking damages pursuant to FCRA 616 civil liability for willful non compliance.\n\n4. Also pursuant the willful non compliance with California Civil Code 1785.16 ( k ) Which states : ( k ) ( 1 ) If the information of a consumer has been placed on file or is otherwise available at a consumer credit reporting agency and is subsequently blocked pursuant to Section 1785.16.3, the consumer credit reporting agency shall remove from its file all information that the consumer identifies as information placed on file or otherwise available as a result of identity theft.\n\n( 2 ) A consumer credit reporting agency shall notify the person who furnished an item of information that the consumer identifies as information placed on file or otherwise available as a result of identity theft that the item has been blocked pursuant to Section 1785.16.3. \n( 3 ) A consumer credit reporting agency shall block the information pursuant to this subdivision only if the consumer submits proper identification, as defined in subdivision ( b ) of Section 1785.16.3, along with either of the following : ( A ) A copy of an identity theft report filed with a law enforcement agency pursuant to Section 530.5 of the Penal Code or a copy of a Department of Motor Vehicles investigative report made pursuant to Section 1668 of the Vehicle Code. \n\n\n\n5. I AM CONTACTING YOU TO HAVE MY NAME CORRECTED AND ACCURATELY REPORTED. \n\n\n\n6. I am also contacting you to have these fraudulent accounts removed through a fraud block mandated by law : XXXX. XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXXXXXX XXXX  Highest Balance : {$5000.00} XXXX. XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} 9. You have willfully failed to fix my true and correct name to reflect accurately on my credit report. The true and correct name on my social security card and California ID. 10. IN MY PREVIOUS DISPUTE YOU REQUESTED IDENTITY DOCUMENT AND AN IDENTITY THEFT REPORT. IN THIS\nCOMPLAINT I WILL BE SUBMITTING BOTH AND THE PREVIOUS POLICE REPORT DETAILING THE THEFT OF MY IDENTITY DOCUMENTS BEFORE THE OPENING OF THESE FRAUDULENT ACCOUNTS.\n\n10. You are intentionally ignoring my request to accurately portray my true and correct name that is on my California id and social security card which is XXXX XXXX XXXX XXXX XXXX. Per : 15 U.S.C. 1681e ( b ) : Accuracy of Reports \" Whenever a consumer reporting agency prepares consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' You are refusing to comply with this 12. You responded through mail that you needed an identity theft report to initiate a fraud block. Here are the updated documents 13. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. States : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.act fraud. \n\n\n\n( The elements of 1-4 have been satisfied by me ( the consumer who is a victim of identity theft ) : 1.A police report for stolen identity documents was filed before the opening of this account to support the fact that I am factually claiming that these accounts : XXXX ) XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXX XXXX  Highest Balance : {$5000.00} XXXX ) XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} ARE FRAUD This report is including an identity theft report, police reports, identity documents and is my true and factual statement that these accounts are in fact FRAUD.\n\n14. This will be the last time I respond with proper documentation before I seek damages for intentional misreporting reporting allowed pursuant : Negligent Violations : 15 U.S.C. 1681 addresses negligent noncompliance : \" Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees. '' And also pursuant to violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. This section was not met and satisfied by the creditor nor you the furnished. To legally furnish these accounts nor publicly report them being that they are FRAUD. Not one of the three required notices were received And no contract was signed by me the victim of fraud nor permission to furnish these fraudulent accounts were given to the creditors by me the victim of fraud. \n\n\n\n\nXXXX. You removed XXXX ) XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXX, 2023 Highest Balance : {$5000.00} XXXX ) XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} previously once 16. BECAUSE YOU WERE MADE AWARE THAT THE ACCOUNTS WERE FRAUDULENT. Then allowed them to be replaced. Though you received both and identity theft report and a police report allowing you the information that my identity documents were stolen before the opening of this account.\n\n17. A crime was committed against me. My information was fraudulently used and a fraudulent account was opened. You removed it and then allowed it to be replaced though you were made aware of : FCRA 611 ( 15 U.S.C. 16811 ) PROCEDURE IN CASE OF DISPUTED ACCURACY 5 ( a ) ( I ) ( c ) States : Procedures to reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) 18. Definition of Identity Theft : According to the FCRA ( 15 U.S.C. 1681a ), identity theft refers to the unauthorized use of another person 's personal information to commit fraud or other crimes 19. You have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation to my dispute because you believe it was certified. However, your excuse and assumption is a not valid reason under the FCRA to not block the information according to the above laws. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor stated that you believed it was you have simply refused to comply with out any reasoning backed by law or the fcra.\n\n20. It is crucial to note that since the payments were made by the fraudster, I can not be held liable for any such transactions under FCRA 615. The FCRA mandates that any payments made from fraudulent accounts should not implicate the actual victim of identity theftin this case, myself. I did not authorise these accounts nor open these accounts. Nor make past payments on these accounts. The person who fraudulently assumed and took over my identity did. \n21. So past payment for a fraudulent account made by the fraudsters will not constitute as validity.\n\nDefinition of Identity Theft : According to the FCRA ( 15 U.S.C. 1681a ), identity theft refers to the unauthorized use of another person 's personal information to commit fraud or other crimes 22. Things I explained in my dispute previously : 1 ) I requested A FRAUD BLOCK FROM THE CREDITORS YOU Illegally PUBLISHED THESE FRAUDULENT ACCOUNTS TO 2.A factual identity theft report has been submitted again with details regarding the fraud as well as transunion and eqifaxs non compliance 3.afidavit/statement that this account does not belong to me has been submitted 4.Appropriate identity verification had been made XXXX. Please correct my name and block the accounts according to law and refrain from allowing them to be replaced pursuant to FCRA 611 ( 15 U.S.C. 16811 ) PROCEDURE IN CASE OF DISPUTED ACCURACY 5 ( a ) ( I ) ( c ) States : Procedures to reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) as you have Already done once before after removing them and being made aware they were fraud.","date_sent_to_company":"2025-03-23T20:38:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90008","tags":null,"has_narrative":true,"complaint_id":"12638741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-23T20:06:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["You <em>have</em> willfully failed to delete the disputed information as I <em>have</em> requested. In lieu of the disputed information, you willfully failed to conduct a reasonable <em>investigation</em> to my dispute because you believe it was certified. However, <em>your</em> excuse and assumption is a not valid reason under the FCRA to not block the information according to the above laws. Note, you <em>have</em> not made any reasonable determination that my dispute was frivolous or irrelevant."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[6.885083,"12638741"]},{"_index":"complaint-public-v1","_id":"12669022","_score":6.8715076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. My true and correct name is XXXX XXXX XXXX XXXX!!!!! ( PLEASE REVIEW MY NEW IDENTITY THEFT REPORT WITH NEW DETAILS REGARDING THE BELOW FRAUDULENT ACCOUNTS AND MY MAIL BEING STOLEN TO MAINTAIN THESE ACCOUNTS WHICH IS ALSO A FEDERAL CRIME )!!!! I AM A VICTIM OF IDENTITY THEFT.! I AM REQUESTING A SECURITY FREEZE BE PLACED ON MY ACCOUNT IMMEDIATELY! SUPPORTING DOCUMENT FROM XXXX XXXX REMOVING INFORMATION FROM THIER SYSTEM AS WELL FOR THE FRAUD I HAVE SUFFERED WILL BE A POTENTIAL EXHIBIT IF THIS CAN NOT BE SETTLED ALONG WITH THE OTHER SUPPORTING DOCUMENTS I AM SUBMITTING TO SUPPORT ME INFORMING ALL THE FURNISHERS THAT I AM A VICTIM OF FRAUD. \n\n!!!! Please do not respond staying you have previously responded to these disputed accounts or that they are being disputed!!!!! \n\n!!!!! RESPOND HERE ON THE CFPB AND UPLOAD THE RESULTS IN YOUR DETERMINATION WITH THE CLOSING IF THIS COMPLAINT!!! \n\nSince in all your previous replies you have sent me no such determination that complies with the FCRA regarding the opening of fraudulent accounts and their removal. Once you have been notified of such a fraudulent account. Nor have you proven that my claim is frivolous to deny a fraud block granted by law. \n\n\n\n2. Pursuant to FDCPA Section 807 ( 8 ), as it appears in the United States Code : 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 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. \n\n\n\n3. I personally complained and wrote to and made XXXX aware of these fraudulent accounts they also refused to comply. And in the event that they are not removed I will be seeking damages pursuant to FCRA 616 civil liability for willful non compliance.\n\n4. Also pursuant the willful non compliance with California Civil Code 1785.16 ( k ) Which states : ( k ) ( 1 ) If the information of a consumer has been placed on file or is otherwise available at a consumer credit reporting agency and is subsequently blocked pursuant to Section 1785.16.3, the consumer credit reporting agency shall remove from its file all information that the consumer identifies as information placed on file or otherwise available as a result of identity theft.\n\n( 2 ) A consumer credit reporting agency shall notify the person who furnished an item of information that the consumer identifies as information placed on file or otherwise available as a result of identity theft that the item has been blocked pursuant to Section 1785.16.3. \n( 3 ) A consumer credit reporting agency shall block the information pursuant to this subdivision only if the consumer submits proper identification, as defined in subdivision ( b ) of Section 1785.16.3, along with either of the following : ( A ) A copy of an identity theft report filed with a law enforcement agency pursuant to Section 530.5 of the Penal Code or a copy of a Department of Motor Vehicles investigative report made pursuant to Section 1668 of the Vehicle Code. \n\n\n\n5. I AM CONTACTING YOU TO HAVE MY NAME CORRECTED AND ACCURATELY REPORTED. \n\n\n\n6. I am also contacting you to have these fraudulent accounts removed through a fraud block mandated by law : XXXX. XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXXXXXX XXXX  Highest Balance : {$5000.00} XXXX. XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} 9. You have willfully failed to fix my true and correct name to reflect accurately on my credit report. The true and correct name on my social security card and California ID. 10. IN MY PREVIOUS DISPUTE YOU REQUESTED IDENTITY DOCUMENT AND AN IDENTITY THEFT REPORT. IN THIS\nCOMPLAINT I WILL BE SUBMITTING BOTH AND THE PREVIOUS POLICE REPORT DETAILING THE THEFT OF MY IDENTITY DOCUMENTS BEFORE THE OPENING OF THESE FRAUDULENT ACCOUNTS.\n\n10. You are intentionally ignoring my request to accurately portray my true and correct name that is on my California id and social security card which is XXXX XXXX XXXX XXXX XXXX. Per : 15 U.S.C. 1681e ( b ) : Accuracy of Reports \" Whenever a consumer reporting agency prepares consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' You are refusing to comply with this 12. You responded through mail that you needed an identity theft report to initiate a fraud block. Here are the updated documents 13. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. States : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.act fraud. \n\n\n\n( The elements of 1-4 have been satisfied by me ( the consumer who is a victim of identity theft ) : 1.A police report for stolen identity documents was filed before the opening of this account to support the fact that I am factually claiming that these accounts : XXXX ) XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXX XXXX  Highest Balance : {$5000.00} XXXX ) XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} ARE FRAUD This report is including an identity theft report, police reports, identity documents and is my true and factual statement that these accounts are in fact FRAUD.\n\n14. This will be the last time I respond with proper documentation before I seek damages for intentional misreporting reporting allowed pursuant : Negligent Violations : 15 U.S.C. 1681 addresses negligent noncompliance : \" Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees. '' And also pursuant to violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. This section was not met and satisfied by the creditor nor you the furnished. To legally furnish these accounts nor publicly report them being that they are FRAUD. Not one of the three required notices were received And no contract was signed by me the victim of fraud nor permission to furnish these fraudulent accounts were given to the creditors by me the victim of fraud. \n\n\n\n\nXXXX. You removed XXXX ) XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXX, 2023 Highest Balance : {$5000.00} XXXX ) XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} previously once 16. BECAUSE YOU WERE MADE AWARE THAT THE ACCOUNTS WERE FRAUDULENT. Then allowed them to be replaced. Though you received both and identity theft report and a police report allowing you the information that my identity documents were stolen before the opening of this account.\n\n17. A crime was committed against me. My information was fraudulently used and a fraudulent account was opened. You removed it and then allowed it to be replaced though you were made aware of : FCRA 611 ( 15 U.S.C. 16811 ) PROCEDURE IN CASE OF DISPUTED ACCURACY 5 ( a ) ( I ) ( c ) States : Procedures to reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) 18. Definition of Identity Theft : According to the FCRA ( 15 U.S.C. 1681a ), identity theft refers to the unauthorized use of another person 's personal information to commit fraud or other crimes 19. You have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation to my dispute because you believe it was certified. However, your excuse and assumption is a not valid reason under the FCRA to not block the information according to the above laws. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor stated that you believed it was you have simply refused to comply with out any reasoning backed by law or the fcra.\n\n20. It is crucial to note that since the payments were made by the fraudster, I can not be held liable for any such transactions under FCRA 615. The FCRA mandates that any payments made from fraudulent accounts should not implicate the actual victim of identity theftin this case, myself. I did not authorise these accounts nor open these accounts. Nor make past payments on these accounts. The person who fraudulently assumed and took over my identity did. \n21. So past payment for a fraudulent account made by the fraudsters will not constitute as validity.\n\nDefinition of Identity Theft : According to the FCRA ( 15 U.S.C. 1681a ), identity theft refers to the unauthorized use of another person 's personal information to commit fraud or other crimes 22. Things I explained in my dispute previously : 1 ) I requested A FRAUD BLOCK FROM THE CREDITORS YOU Illegally PUBLISHED THESE FRAUDULENT ACCOUNTS TO 2.A factual identity theft report has been submitted again with details regarding the fraud as well as transunion and eqifaxs non compliance 3.afidavit/statement that this account does not belong to me has been submitted 4.Appropriate identity verification had been made XXXX. Please correct my name and block the accounts according to law and refrain from allowing them to be replaced pursuant to FCRA 611 ( 15 U.S.C. 16811 ) PROCEDURE IN CASE OF DISPUTED ACCURACY 5 ( a ) ( I ) ( c ) States : Procedures to reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) as you have Already done once before after removing them and being made aware they were fraud.","date_sent_to_company":"2025-03-23T20:38:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90008","tags":null,"has_narrative":true,"complaint_id":"12669022","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-23T20:37:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["You <em>have</em> willfully failed to delete the disputed information as I <em>have</em> requested. In lieu of the disputed information, you willfully failed to conduct a reasonable <em>investigation</em> to my dispute because you believe it was certified. However, <em>your</em> excuse and assumption is a not valid reason under the FCRA to not block the information according to the above laws. Note, you <em>have</em> not made any reasonable determination that my dispute was frivolous or irrelevant."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[6.8715076,"12669022"]},{"_index":"complaint-public-v1","_id":"12649818","_score":6.8687296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. My true and correct name is XXXX XXXX XXXX XXXX!!!!! ( PLEASE REVIEW MY NEW IDENTITY THEFT REPORT WITH NEW DETAILS REGARDING THE BELOW FRAUDULENT ACCOUNTS AND MY MAIL BEING STOLEN TO MAINTAIN THESE ACCOUNTS WHICH IS ALSO A FEDERAL CRIME )!!!! I AM A VICTIM OF IDENTITY THEFT.! I AM REQUESTING A SECURITY FREEZE BE PLACED ON MY ACCOUNT IMMEDIATELY! SUPPORTING DOCUMENT FROM XXXX XXXX REMOVING INFORMATION FROM THIER SYSTEM AS WELL FOR THE FRAUD I HAVE SUFFERED WILL BE A POTENTIAL EXHIBIT IF THIS CAN NOT BE SETTLED ALONG WITH THE OTHER SUPPORTING DOCUMENTS I AM SUBMITTING TO SUPPORT ME INFORMING ALL THE FURNISHERS THAT I AM A VICTIM OF FRAUD. \n\n!!!! Please do not respond staying you have previously responded to these disputed accounts or that they are being disputed!!!!! \n\n!!!!! RESPOND HERE ON THE CFPB AND UPLOAD THE RESULTS IN YOUR DETERMINATION WITH THE CLOSING IF THIS COMPLAINT!!! \n\nSince in all your previous replies you have sent me no such determination that complies with the FCRA regarding the opening of fraudulent accounts and their removal. Once you have been notified of such a fraudulent account. Nor have you proven that my claim is frivolous to deny a fraud block granted by law. \n\n\n\n2. Pursuant to FDCPA Section 807 ( 8 ), as it appears in the United States Code : 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 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. \n\n\n\n3. I personally complained and wrote to and made XXXX aware of these fraudulent accounts they also refused to comply. And in the event that they are not removed I will be seeking damages pursuant to FCRA 616 civil liability for willful non compliance.\n\n4. Also pursuant the willful non compliance with California Civil Code 1785.16 ( k ) Which states : ( k ) ( 1 ) If the information of a consumer has been placed on file or is otherwise available at a consumer credit reporting agency and is subsequently blocked pursuant to Section 1785.16.3, the consumer credit reporting agency shall remove from its file all information that the consumer identifies as information placed on file or otherwise available as a result of identity theft.\n\n( 2 ) A consumer credit reporting agency shall notify the person who furnished an item of information that the consumer identifies as information placed on file or otherwise available as a result of identity theft that the item has been blocked pursuant to Section 1785.16.3. \n( 3 ) A consumer credit reporting agency shall block the information pursuant to this subdivision only if the consumer submits proper identification, as defined in subdivision ( b ) of Section 1785.16.3, along with either of the following : ( A ) A copy of an identity theft report filed with a law enforcement agency pursuant to Section 530.5 of the Penal Code or a copy of a Department of Motor Vehicles investigative report made pursuant to Section 1668 of the Vehicle Code. \n\n\n\n5. I AM CONTACTING YOU TO HAVE MY NAME CORRECTED AND ACCURATELY REPORTED. \n\n\n\n6. I am also contacting you to have these fraudulent accounts removed through a fraud block mandated by law : XXXX. XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXXXXXX XXXX  Highest Balance : {$5000.00} XXXX. XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} 9. You have willfully failed to fix my true and correct name to reflect accurately on my credit report. The true and correct name on my social security card and California ID. 10. IN MY PREVIOUS DISPUTE YOU REQUESTED IDENTITY DOCUMENT AND AN IDENTITY THEFT REPORT. IN THIS\nCOMPLAINT I WILL BE SUBMITTING BOTH AND THE PREVIOUS POLICE REPORT DETAILING THE THEFT OF MY IDENTITY DOCUMENTS BEFORE THE OPENING OF THESE FRAUDULENT ACCOUNTS.\n\n10. You are intentionally ignoring my request to accurately portray my true and correct name that is on my California id and social security card which is XXXX XXXX XXXX XXXX XXXX. Per : 15 U.S.C. 1681e ( b ) : Accuracy of Reports \" Whenever a consumer reporting agency prepares consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' You are refusing to comply with this 12. You responded through mail that you needed an identity theft report to initiate a fraud block. Here are the updated documents 13. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. States : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.act fraud. \n\n\n\n( The elements of 1-4 have been satisfied by me ( the consumer who is a victim of identity theft ) : 1.A police report for stolen identity documents was filed before the opening of this account to support the fact that I am factually claiming that these accounts : XXXX ) XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXX XXXX  Highest Balance : {$5000.00} XXXX ) XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} ARE FRAUD This report is including an identity theft report, police reports, identity documents and is my true and factual statement that these accounts are in fact FRAUD.\n\n14. This will be the last time I respond with proper documentation before I seek damages for intentional misreporting reporting allowed pursuant : Negligent Violations : 15 U.S.C. 1681 addresses negligent noncompliance : \" Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees. '' And also pursuant to violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. This section was not met and satisfied by the creditor nor you the furnished. To legally furnish these accounts nor publicly report them being that they are FRAUD. Not one of the three required notices were received And no contract was signed by me the victim of fraud nor permission to furnish these fraudulent accounts were given to the creditors by me the victim of fraud. \n\n\n\n\nXXXX. You removed XXXX ) XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXX, 2023 Highest Balance : {$5000.00} XXXX ) XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} previously once 16. BECAUSE YOU WERE MADE AWARE THAT THE ACCOUNTS WERE FRAUDULENT. Then allowed them to be replaced. Though you received both and identity theft report and a police report allowing you the information that my identity documents were stolen before the opening of this account.\n\n17. A crime was committed against me. My information was fraudulently used and a fraudulent account was opened. You removed it and then allowed it to be replaced though you were made aware of : FCRA 611 ( 15 U.S.C. 16811 ) PROCEDURE IN CASE OF DISPUTED ACCURACY 5 ( a ) ( I ) ( c ) States : Procedures to reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) 18. Definition of Identity Theft : According to the FCRA ( 15 U.S.C. 1681a ), identity theft refers to the unauthorized use of another person 's personal information to commit fraud or other crimes 19. You have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation to my dispute because you believe it was certified. However, your excuse and assumption is a not valid reason under the FCRA to not block the information according to the above laws. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor stated that you believed it was you have simply refused to comply with out any reasoning backed by law or the fcra.\n\n20. It is crucial to note that since the payments were made by the fraudster, I can not be held liable for any such transactions under FCRA 615. The FCRA mandates that any payments made from fraudulent accounts should not implicate the actual victim of identity theftin this case, myself. I did not authorise these accounts nor open these accounts. Nor make past payments on these accounts. The person who fraudulently assumed and took over my identity did. \n21. So past payment for a fraudulent account made by the fraudsters will not constitute as validity.\n\nDefinition of Identity Theft : According to the FCRA ( 15 U.S.C. 1681a ), identity theft refers to the unauthorized use of another person 's personal information to commit fraud or other crimes 22. Things I explained in my dispute previously : 1 ) I requested A FRAUD BLOCK FROM THE CREDITORS YOU Illegally PUBLISHED THESE FRAUDULENT ACCOUNTS TO 2.A factual identity theft report has been submitted again with details regarding the fraud as well as transunion and eqifaxs non compliance 3.afidavit/statement that this account does not belong to me has been submitted 4.Appropriate identity verification had been made XXXX. Please correct my name and block the accounts according to law and refrain from allowing them to be replaced pursuant to FCRA 611 ( 15 U.S.C. 16811 ) PROCEDURE IN CASE OF DISPUTED ACCURACY 5 ( a ) ( I ) ( c ) States : Procedures to reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) as you have Already done once before after removing them and being made aware they were fraud.","date_sent_to_company":"2025-03-23T20:38:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90008","tags":null,"has_narrative":true,"complaint_id":"12649818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-23T20:37:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["You <em>have</em> willfully failed to delete the disputed information as I <em>have</em> requested. In lieu of the disputed information, you willfully failed to conduct a reasonable <em>investigation</em> to my dispute because you believe it was certified. However, <em>your</em> excuse and assumption is a not valid reason under the FCRA to not block the information according to the above laws. Note, you <em>have</em> not made any reasonable determination that my dispute was frivolous or irrelevant."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[6.8687296,"12649818"]},{"_index":"complaint-public-v1","_id":"6583809","_score":5.2365775,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Metro 2 / e-OSCAR Compliance Deficiencies and FCRA willful violations - XXXX Bank credit card XXXX  inaccurately reported in Metro 2 as old card XXXX\n\n- [ ] Despite my clear disputes for willful FCRA violations, XXXX  and every CRA are NOT Metro 2 Compliant which should have forced and requested e-OSCAR to verify whether every item and every required field is filled in accurately, mandatorily and logically 100% perfect to meet compliance standards, as set forth in the 355 page Credit Reporting Resource Guide to meet ALL of the requirements of the FCRA, FCBA, and ECOA to insure maximum accurate and complete information on my credit history.  My paper credit reports of XXXX XXXX XXXX TransUnion of XXXX  showed that I never missed a payment to any creditor.  However, supplemental and additional data omitted illegally from my paper credit report but included in Metro 2 files in XXXX XXXX showed that I had been 60 days past due with a 100% perfect which is not only illogical but impossible as I have always had a perfect payment record on every account.  Numerous credit scoring and credit data analysis firms such as XXXX XXXX access Metro 2 credit data to report scores and account changes and payment records.  Metro 2 coding errors and data concealed from paper credit reports prevents errors from being known and corrected by consumers in willful violation of the FCRA. Metro 2 is available to lenders who use information concealed from consumers which most likely contains inaccurate data such as late payments.  My credit score was 200+ points below what it should have been due to the concealed and inaccurate 60 day late payment inside Metro 2 and concealed from my paper reports.  I have complained to every CRA and the improper verification responses have been to ask me what data is incorrect instead of researching my Metro 2 data to tell me what data is in Metro 2 that is concealed from my paper credit reports.  Consumers are scammed by Metro 2 inaccurate data concealed from paper reports resulting in a systematic inappropriate reporting system in substantial and known violation of laws including the FCRA.  In fact, the whole Metro 2 system is useless since it contains data visible to others but concealed from consumers.  How can a consumer check data for accuracy on paper credit reports when a complete set of conflicting and additional supplemental data is available inside Metro 2 yet undiscoverable, concealed and Unknown to innocent unsuspecting consumers???  Metro 2 even scams sophisticated consumers who frequently check paper credit reports fir accuracy. Therefore, my XXXX Closed account plus all my closed accounts must be permanently deleted from every CRA unless and until an independent unbiased capable entity certifies that all Metro 2 data is 100% accurately coded and properly incorporated in my paper data credit reports so that Metro 2 data is 100% identical to my paper reports. I maintain that Metro 2 data will always contain data not available and not visible on paper credit reports in willful violation of the FCRA.  Therefore, my XXXX and every CRA must promptly permanently delete my XXXX and other closed accounts and, in the interim until deletion, report accounts as disputed by consumer, closed by consumer, consumer affected by a natural or declared disaster, payment deferred, affected by COVID-19,  etc for which Metro 2 does not even have the fields and capability to accurately insure such required items are reported completely, consistently, logically and accurately monthly without the possibility of change through updates causing improper removal of codes and code replacements.  XXXX  does not understand this and it is incompetent and incapable of complying with the FCRA and Metro 2 mandatory coding as will be shown herein.  This matter is ripe for investigation by the CFPB and Florida AG who has an injunction against XXXX  for deceptive, unfair and unlawful trade practices.  I need from XXXX every Metro 2 data submission since XXXX  with a manual reconciliation to explain each and every paper entry in my credit report for every item and field.  I need the Metro 2 transcribed to what is actually in its system as I know the codes (such as XA, XB, XC, XD, XE, XFetc) and I know what the codes mean but I do not know exactly what code has been reported since coding may be illogically, subjective, improper, temporary and changing with erroneous and inconsistent coding. My credit reports change multiple time daily with codes removed, replaced, removed, replaced, removed, etc erroneously and inaccurately in willful violations of the FCRA.  Once my account is closed it must remain as closed but a furnisher subsequently reporting a closed account as disputed usually will remove the closed account code in violation of the FCRA and replace it with a dispute code instead of keeping both the closed and disputed designation.  Garbage in means garbage out.  Metro 2 gets complicated in my case when I have a XXXX  acct with a wrong account number which is closed, disputed, affected by a natural or declared disaster, payment deferred, paid from insurance, failed to be reported monthly, etc where the Metro 2 codes cannot properly report the mandatory obligated FCRA requirements.  Moreover, XXXX has shown that it is incapable of understanding Metro 2 and is unqualified and unwilling to report accurate credit data.  The integrity and reportability of my XXXX and other closed accounts is called into question as mandatory data fields are missing, contested and cannot be verified and certified as perfectly compliant, mandating deletion entirely.  Not only are numerous required fields in segments missing entirely, but many fields are inaccurate, and more importantly, Furnishers do not understand how to accurately code the complex mandatory compliance codes.  XXXX does not even know what a closed account is under Metro 2 so it inaccurately reported my account that I closed in XXXX XXXX as open and refuses to mark my account as closed as required by the FCRA and Metro 2.  XXXX claims that it closed my account to purchases when I closed my account but it will never mark my account on my credit report as Closed unless and until I pay my balance in full.  All XXXX has to do is read Metro 2 to see that an account is closed by a consumer when requested even if there is a balance.  Metro 2 and the FCRA clearly requires marking my account as closed promptly after my admitted closure in XXXX.  If XXXX does not understand Metro 2 and the FCRA and its obligations and prohibitions how can XXXX be permitted to continue to report under Metro 2??? It is almost 2 months and XXXX  has failed to mark my account as closed, disputed, affected by natural or declared disaster on a monthly basis?  My closed XXXX  account is still willfully inaccurate as it is still reported as OPEN on XXXX on my 3 credit reports,  As of XXXX, XXXX  last reported my account to TransUnion on XXXX in willful violation of the Metro 2 requirement to report monthly.    CRAs know Metro 2 requires monthly reporting.  CRAs have the responsibility to delete my account before XXXX  responds.  XXXX  does not even know how  to report account numbers accurately in Metro 2 as my account number continues to be reported as XXXX even though my account number was changed to XXXX about 3 years ago.  Metro 2 is too complicated for XXXX  to use and it is obvious that it does not understand how to change account numbers or it just shortcuts its obligations and refuses to accurately report my account accurately.  Simply stated, XXXX  is not Metro 2 compliant as it does not understand  the system and the 355 page guidelines  requiring proper coding for fields for Closed, Disputed, inaccurate data and account numbers and accounts affected by COVID and natural and declared disasters, all of which are missing from my XXXX  file for months. XXXX  has failed to monthly report my account since it last reported to TransUnion on XXXX as of XXXX.  Clearly, XXXX  is not Metro 2 compliant mandating deletion.  XXXX  does not have the ability or desire to accurately report. Metro 2 field 17A must include DA immediately to prevent irreparable harm and to avoid further willful FCRA violations with punitive damages exceeding $100,000 based on 11th circuit USCA decisions for jury awards of $80,000 for a single failure to report the account as disputed.  XXXX  is a recalcitrant lender who does not know the law and refuses to follow its known obligations.  XXXX  should attempt to mitigate damages instead of alienating me and increasing its obligation to pay me significant damages. I claim past statutory and other damages to offset the frivolous and uncollectable disputed balance which I claim is XXXX, mandating dismissal and deletion of my XXXX  account permanently.  I demand XXXX  and every CRA disclose every Metro 2 coded field since XXXX to ascertain what is actually exactly reported and at the same time asking them to manually reconcile paper conflicts.   I do not understand why XXXX  refuses to immediately mark my account as Closed, disputed, deferred, affected by COVID and a natural disaster, etc.  What is its sinister goal???? A Metro 2 Compliance request triggers e-OSCAR to electronically evaluate whether every piece of data was mandatorily perfect and complete Metro 2 Formatted Reporting Standards was properly reported within the compliance standards set forth by the FCRA.  CDIA definitions that go along with Metro 2 Language are either unknown, not read, not considered, or just purposely evaded by XXXX  or purposely violated due to incompetence or willful disregard.  Obviously, a systematic problem exists at XXXX  affecting its similarly situated cardholders.  Closed accounts at XXXX  are never reported as closed in willful violation of the FCRA.  I demand that XXXX  immediately stop reporting my account as OPEN.   My account is closed since XXXX and such date closed is required to be permanently entered into Metro 2.  XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  Compliance Condition Codes are used to reflect accounts Closed at Consumers Request AND Accounts Disputed By Consumer to comply with mandatory reporting under the FCRA, FCBA and FDCPA.  XXXX  does not even know the Definition of a closed account is and what a dispute is and it has not put any of the multiple mandatory codes into Metro 2 in complete and willful violation of the FCRA and other laws, both State and Federal.  XXXX  knows that my account is Closed and disputed yet it knowingly refuses to enter any Compliance Condition Codes in willful violation of the FCRA.  Simply stated, no code means XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  My TransUnion and XXXX  reports are not reported monthly as required under Metro 2. (See Attached XXXX  reports of XXXX and XXXX showing XXXX as last reported date). Rather than promptly reporting my account as CLOSED on XXXX as required with a simple update, XXXX  completely stopped reporting since XXXX  in violation of Metro 2. Apparently, XXXX  does not know how to enter mid cycle updates or it is just incapable of monthly reporting and mandatory prompt and immediate mid-cycle updates required by Metro 2 to comply with the FCRA.  My attached XXXX  report of XXXX shows inaccurately shows my XXXX  account number as XXXX  instead of XXXX. an inaccurate variable/adjustable rate, an inaccurate date of last payment, missing data for XXXX, XXXX etc,, inaccurate date of last activity, missing deferral date, missing date closed, missing Closed account status, missing dispute code and other FCRA compliance codes.  Despite my disputes, XXXX  has failed to promptly and immediately update inaccurate disputed information to CRAs apparently willfully or because it does not understand how to update with Metro 2 / e-OSCAR protocols.  Reporting inaccuracies must be corrected promptly in order to comply with the FCRA.  See section 623(a)(2)(B).  The e-OSCAR Consumer Dispute System is designed and required to have built-in edits and safeguards to prevent illogical responses and impossible entries such as deletion of a closed account status resulting in a closed account inaccurately reported as open.  Similarly, once a consumer is marked as deceased, Metro 2 must prevent the person to be reported as alive by not permitting illogical coding entries. Replacing a required field with a blank field or zero to force Metro 2 to accept data for updates and submission must not be tolerated.  The CFPB website, like most websites, prevents submission until all required fields are marked and entered.  Metro 2 has no such controls so it allows submission of blank and inconsistent data without any effective checks and controls or allows furnished to evade requirements.  The numerous blank data fields demonstrate that XXXX  cannot and has not complied with Metro 2 standards and any one of the multiple blank required fields is grounds, standing alone, to delete my entire account for Metro 2 Compliance deficiencies and FCRA violations.  Every Metro 2 field has a purpose and no field must be blank under any scenario.  The entire Metro 2 Compliance safeguards are nonexistent.  Information within a dispute response must be complete and logical to insure maximum possible accuracy pursuant to well settled law. There are multiple coding duplicate safeguards to insure Metro 2 compliance.  For example not only does Metro 2 require a permanent Compliance Code for a closed account to comply with the FCRA but Metro 2 requires the entry of the actual DATE CLOSED so the closed status must be reported in 2 fields to prevent coding evasion.  Purposely entering blank required fields to force Metro 2 to update a submission constitutes a willful and deliberate violation of the FCRA and Metro 2 intended protocols. The incomplete, delayed and inaccurate  XXXX  reporting, with missing mandatory and required Metro 2 fields, should have required e-OSCAR to delete my account due to multiple Metro 2 Compliance deficiencies.  XXXX  should have been notified by CRAs of its reporting deficiencies or otherwise blocked from reporting entirely.  XXXX  has been negligent by failing to update its internal controls and record keeping to avoid and prevent re-reporting incorrect and illogical information.  CRRG Frequently Asked Questions and Answer, Question 64, discusses How should a replacement credit card be reported. XXXX  either does not have competent staff to understand Metro 2 or it just refuses to comply to save money.  In my case, my old acct # XXXX  was required to be updated with the new account number of #XXXX  (changed about 3 years ago) so XXXX  is NOT 100% Metro 2 Compliant mandating deletion.  Exact account number reporting is mandatory for many reasons including an internal control to prevent duplicate reporting of accounts especially when accounts are sold or transferred to others.  I have made multiple disputes but not only has XXXX  noticed yet failed to fix the obvious account number inaccurate account number but not one CRA has noticed the error nor forced Metro 2 updating of the correct account number as required to be Metro 2 compliant.  My XXXX  paper report conceals the last 4 digits of my XXXX  account number so I could not discover the inaccurate account numbers and inaccurate reporting in willful violation of the FCRA. On the other hand, TransUnion just reports just the last 4 numbers of XXXX  account on my paper so that the complete account number is discoverable to scammers by merely looking at 2 separate credit reports.  The FCRA and Metro 2 require the complete account number into Metro 2 and paper credit reports to insure accuracy and prevent duplication.   The ineffective procedure of partially blocking 4 or more account numbers on paper reports is counterproductive, achieves no valuable benefit or protection and deprives consumers of the right to determine accuracy especially if accounts are transferred. Since there is $0 liability for credit fraud to consumers, complete account numbers must be reported on every CRA pursuant to the FCRA especially on Closed accounts, such as XXXX, which should be blocked.  The partially blocking of account numbers has protections for furnishers and no benefits for consumers, so every account on my credit report is inaccurate and not Metro 2 Compliant mandating deletion of every account including my XXXX  account. CRRG answer to Question 58 required XXXX  to Report my account as deferred along with Special Comment AW (Affected by Natural or Declared Disaster) and other coding mandatory field entries negligently or intentional omitted in violation of the FCRA.  As XXXX  knows I live in XXXX  and I told it many times that I took a direct hit from Hurricane Ian in XXXX XXXX and I have been seriously affected by the FEMA declared natural disaster, not only has XXXX  willfully violated its specific obligation under the FCRA to report on my credit report  Affected By Natural or Declared Disaster, Compliance code AW, but it claims I am late despite the prohibition of late reporting due to Hurricane Ian.  Again, XXXX  is apparently deliberately negligent or untrained in meeting its mandatory obligations under Metro 2 contained in the 355 page Guide or it has maliciously and purposely violated the FCRA to hopefully induce me to pay disputed account charges thereby entitling me to $10,000+ in statutory and punitive damages so my claims exceed the smaller XXXX  disputed claim.  XXXX  and every CRA must enter account status code DA in field 17A to avoid and mitigate damages.  How about the mandatory Date of First Delinquency that furnishers and CRAs never report accurately. It is about time XXXX  sends its employees Back to School to learn about its obligations to insure maximum possible accuracy coding required under Metro 2/e-OSCAR/FCRA/FCBA/etc.  Garbage IN means Garbage OUT. Worst yet is leaving mandatory required fields BLANK in complete disregard for the requirements of Metro 2 and the FCRA.  Exhibit 8 of the CRRG regarding Compliance Condition Codes, which is reported in Field 20 of the Base Segment, is used to reflect accounts Closed at Consumers Request, and, inter Alia, consumer disputes under the FCBA, FDCPA and FCRA.  Numerous Condition Codes exist (XA, XB, XC, XD, XE, XF, XI, XH, XJ etc) exist mandating reporting Accounts Closed at Consumers Request with the DEFINITION:  Reported when a consumer requested an account be CLOSED with an Important Note: Report the DATE CLOSED as the date the account was CLOSED TO FURTHER PURCHASES which XXXX  acknowledges was in XXXX XXXX  Field Definitions in Metro 2 for #26 state: Date Closed  the date the account was closed to further purchases there may be a BALANCE DUE.  I need to repeat again and again what the FCRA and Metro 2 require in the 355 page guide.  Definition: Reported when a consumer requested an account be closed with an Important Note: Report the Date Closed as the Date the account was closed to further purchaseswhich XXXX  letter acknowledges was in XXXX. Again, Field Definitions for #26 Date Closedthe date the account was closed to further purchasesthere may be a balance due.  There can be absolutely no doubt that XXXX  has no idea of what a Closed account is and what the FCRA, case law, and the 355 page Metro 2 guide defines.  Or worse it has lied, lied, lied to federal investigators and its own superiors mandating disciplinary action against employees conspiring to violate the FCRA.  XXXX  top management needs to take disciplinary action against its staff for unconscionable conduct. XXXX  frivolous and illegal position that it will never report my account as closed unless and until I pay the entire balance in full is absolutely ridiculous and in willful and malicious disregard for the FCRA mandating maximum possible Statutory and Punitive damages plus Attorney Fees exceeding $100,000.  Does XXXX  want a US District Court jury to punish it if it is wrong?  Does XXXX  want to spend $50,000 in legal fees and related expenses only to lose?  Does XXXX  want a US District Court to ask a US Magistrate Judge to issue a Report of Findings of Fact and Conclusions of Law to be reviewed by the US District Court Judge for judgment and Rule 11 sanctions?  Does XXXX  want the CFPB and the Florida AG to prosecute it?  Does XXXX  employees want to risk losing their jobs for knowingly, deliberately, maliciously, negligently and purposely violating the FCRA in bad faith?  Is there criminal conduct under multiple federal statutes for lying to federal authorities?  XXXX  top management and  below have no idea what the FCRA and Metro 2 straight forward Definitions are for a closed account or worst it knows my account is closed yet it continues to illegally report my account as Open for a sinister purpose.  XXXX  knows that my account was closed yet it refuses to report my account as Closed in willful violation of the FCRA, Metro 2 etc even though it acknowledges my phone call demand to close my account in XXXX resulting in not only a closure, by definition, but XXXX  blocking my account from further purchases thereby meeting the Metro 2 definition of a Closed account.  XXXX  falsely claims that my account will NEVER be reported as closed until my entire balance is paid in full.  I closed my account in XXXX  but XXXX  refuses to report my account as closed and just willfully violated the FCRA and Metro 2 by reporting my account as OPEN.  XXXX  had systematically, maliciously, deliberately and willfully violated the FCRA and Metro 2 resulting in inaccurate and incomplete reporting of data including blank data and codes in data fields in Metro 2 that XXXX  and CRAs refuse to adequately investigate.  Once I called XXXX  by phone and demanded it close my account and XXXX  at that time processed my closure request telling me my account was now closed telling me the account was blocked from further purchasers so I needed to advise merchants not to use my closed account further, XXXX  was required to PROMPTLY in a matter of a few days or minutes (not months) report my Account As Closed By Consumer forever keeping it Closed with every CRA never to be changed or deleted. Reporting an account as closed should be an instantaneous and automatic credit reporting process as it happens so frequently.  XXXX  blocked my account from further purchasers and read me the disclosure statement on its recorded line that my account was closed which I demand a certified copy of such transcript herein as additional proof of XXXX  wrongdoing.  This is certainly a learning lesson for XXXX  so its staff may understand and comply with its obligations under the FCRA and Metro 2.  Treating Consumers as stupid with disrespect is a terrible way to respond to bona fide complaints and disputes., especially when CFPB complaints can be viewed online for the public to read.  Does XXXX  really want to risk multi jurisdictional civil and criminal litigation over the Definition of a Closed Account?  The Definition of what a Closed account under the FCRA and Metro 2 is absolutely clear and its repeated definitions cannot be challenged under any scenario. Your Law firms will risk damaging their reputation and licenses by claiming my Closed XXXX  account is still Open when faced with a Rule 11 motion and action for sanctions for frivolous conduct.  What is wrong with XXXX? Is your XXXX parent telling you to lie to federal authorities?  Are your executives stupid?  Do you think the CFPB is stupid? Do you think a jury and US District Court Judges are stupid?  Well, I am obviously NOT stupid and it is obvious that I am furious about the entire credit reporting system and its lack of controls.  The CFPB knows and has acknowledged unacceptable systematic FCRA violations. I just cant believe XXXX  insists on reporting my Closed account as Open.  Keep being STUPID and XXXX  will pay bigger and bigger  serious consequences.  Customers must be treated with respect not treated as Stupid by untrained inexperienced or stupid employees who do not act in the banks best interest.  When I filed my complaint with the CFPB, you should have taken the complaint seriously and tried everything to satisfy me by even giving me more than I asked for instead of being stupid.  XXXX  should have reduced my interest to 0% and just offer to pay me a XXXX statutory damage amount while not admitting or denying wrongdoing.  Moreover, XXXX  should have offered to permanently delete my account from every CRA as that would cost XXXX.  But XXXX  is not only stubborn but a stupid recalcitrant lender who would never offer a $1 concession but would prefer to spend millions rather than make needed token concessions. Businesses pay huge sums to answer customer service phone calls and concessions are the cheapest and most effective way to satisfy and retain customers.  But obviously, XXXX  has alienated me (and others similarly situated) by treating me as stupid even after filing a CFPB complaint.  What would Banco XXXX  Parent in XXXX  say when matters get out of Control and no one wants to acquire you?  I could continue for 20 more pages quoting the FCRA, Metro 2 Guidelines, statutory intent, criminal federal statutes, CFPB policies, Case law etc but XXXX  is required to know all that and have its Staff trained and knowledgeable.  This Complaint will certainly assist XXXX  staff in understanding its obligations under the FCRA and Metro 2.   I am entitled to relief as a consultant would charge huge amounts for what I have told you about your deficiencies.  Once my account was closed, XXXX  was prohibited to report my account with a variable interest rate so again XXXX  coding with a variable rate is inaccurate which everyone missed after closure.  XXXX  needs to send its staff and upper management Back To School to Metro 2 workshops, e-learning courses and seminars.   The industry Reporting Standards of Metro 2 to insure integrity and consistency of credit information requires:  All Accounts must be reported a minimum of once per month.  Prompt immediate and button-pushing automatic mid cycle updates are required especially for Closed, Disputed and accounts Affected by Natural or Declared Disaster.  XXXX  has failed to meet these and other Metro 2 obligations because as of XXXX, my last XXXX  update to TransUnion and XXXX was XXXX per the attached.  Pursuant to section 1682 et seq of the FCRA, XXXX  and every CRA may be liable for willfully and negligently failing to follow reasonable procedures to assure maximum possible accuracy.  XXXX  is out of control. XXXX  numerous deliberate deficiencies of illegally withholding and inaccurately concealing and reporting false and missing required account data is purposely intended to negatively affect a consumer credit score in complete willful violation of the FCRA.  XXXX  has escalated my complaint issues to a high level executive department so there is no defense or excuse of new or inexperienced employees or other type of employee error or negligence as my dispute issue responses are purportedly prepared and investigated by senior level experience staff and reviewed by higher level experienced staff.  While Rule 11 sanction requests for frivolous conduct in federal courts permit violators to escape sanctions due to a 30 day safe harbor, willful violations of the FCRA cannot escape statutory and punitive damages. Some attorneys prefer to immediately file FCRA lawsuits upon discovery of violations. My efforts are intended to provide repeated notice of XXXX  illegal conduct so that FCRA violations can be corrected to mitigate damages.  If XXXX  willfully continues to violate the FCRA despite numerous warnings, higher punitive damages will be incurred.  I believe that XXXX  will never admit FCRA violations due to its internal policies for dealing with FCRA violation complaints.  So despite my indisputable detail of widespread and systematic illegal conduct known to be illegal, I expect XXXX  will continue to willfully violate the FCRA rather than just delete my account permanently from every CRA.  CFPB Director XXXX XXXX recently said around XXXX XXXX XXXX: TransUnion is an out/of-control repeat offender that believes it is above the law.  I am concerned that TransUnions leadership is either unwilling or incapable of operating its businesses lawfully.   My XXXX  issues similarly prove that XXXX  is an out-of-control repeat offender that refuses to comply with the FCRA and is incapable of understanding and implementing Metro 2 and the most basic FCRA provisions for reporting closed, disputed, affected by natural or declared disaster accounts and data.  On XXXX XXXX XXXX, Florida Attorney General XXXX XXXX announced a settlement agreement with 34 attorneys generals and XXXX  that included about XXXX XXXX  in relief nationally including future injunctive relief requiring that XXXX  shall maintain policies and procedures with respect to deferments, forbearances, modifications, and other related servicing and collection matters, and ensure that these policies and procedures are followed by its employees.  I maintain that the violations of the FCRA by XXXX  and its refusal to mark my offered payment deferrals due to Hurricane Ian on my credit reports constitute violations of it injunction which I will address counsel for the Florida AG.  The AG injunction also stated: XXXX  shall comply with the Florida Deceptive and Unfair Trade Practices Act, Chapter 501, Part II, Florida Statutes.  Obviously, XXXX  willful and malicious violations of the FCRA clearly constitute grave violations of Floridas Deceptive and Unfair Trade Practices also enjoined by the injunction relief agreed to by XXXX.  XXXX  is just out of control and incapable of complying with its obligations.  Metro 2 and the FCRA is just too complicated for XXXX to administer as required mandating permanent deletion of my disputed and closed account from my credit report.  XXXX retaliated against me for seeking deferrals offered and accepted automatically and required due to Hurricane Ian resulting in unacceptable FCRA violations and a complete disregard for requirements of Metro 2.  I insist on 100% compliance with the requirements of Metro 2 and the FCRA to prevent the inaccuracies and incomplete credit reporting.  Moreover, I demand a copy of every XXXX Metro 2 code filed so that I can compare codes submitted versus paper reports received.  My credit file is the Metro 2 codes which is inconsistent and quite different from my paper credit reports as the Metro 2 files contain data that is not on my paper reports.  Failure to provide me with past Metro 2 filings shall constitute the same FCRA violation as failing to provide an English paper credit report or electronic copy of my credit report.  Keep in mind that an analysis of my Metro 2 codes show that I was in the past 60 days late which is impossible as my paper reports showed that I was never late to any creditor.  The Metro 2 coding is so complicated that inaccurate negative and derogatory data will always exist in Metro 2 which is not shown on a paper report to a consumer.  Metro 2 must be exactly the same as a XXXX","date_sent_to_company":"2023-02-17T10:42:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6583809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-17T10:42:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My credit score was 200+ points below what it should <em>have</em> been due to the concealed and inaccurate 60 day late payment inside Metro 2 and concealed from my paper reports.  I <em>have</em> <em>complained</em> to every CRA and the improper verification responses <em>have</em> been to ask me what data is incorrect instead of researching my Metro 2 data to tell me what data is in Metro 2 that is concealed from my paper credit reports."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[5.2365775,"6583809"]},{"_index":"complaint-public-v1","_id":"6583808","_score":5.232017,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Metro 2 / e-OSCAR Compliance Deficiencies and FCRA willful violations - XXXX  Bank credit card XXXX  inaccurately reported in Metro 2 as old card XXXX  \n- [ ] Despite my clear disputes for willful FCRA violations, XXXX  and every CRA are NOT Metro 2 Compliant which should have forced and requested e-OSCAR to verify whether every item and every required field is filled in accurately, mandatorily and logically 100% perfect to meet compliance standards, as set forth in the 355 page Credit Reporting Resource Guide to meet ALL of the requirements of the FCRA, FCBA, and ECOA to insure maximum accurate and complete information on my credit history.  My paper credit reports of Experian, XXXX XXXX XXXX of XXXX showed that I never missed a payment to any creditor.  However, supplemental and additional data omitted illegally from my paper credit report but included in Metro 2 files in XXXX XXXX showed that I had been 60 days past due with a 100% perfect which is not only illogical but impossible as I have always had a perfect payment record on every account.  Numerous credit scoring and credit data analysis firms such as XXXX XXXX  access Metro 2 credit data to report scores and account changes and payment records.  Metro 2 coding errors and data concealed from paper credit reports prevents errors from being known and corrected by consumers in willful violation of the FCRA. Metro 2 is available to lenders who use information concealed from consumers which most likely contains inaccurate data such as late payments.  My credit score was 200+ points below what it should have been due to the concealed and inaccurate 60 day late payment inside Metro 2 and concealed from my paper reports.  I have complained to every CRA and the improper verification responses have been to ask me what data is incorrect instead of researching my Metro 2 data to tell me what data is in Metro 2 that is concealed from my paper credit reports.  Consumers are scammed by Metro 2 inaccurate data concealed from paper reports resulting in a systematic inappropriate reporting system in substantial and known violation of laws including the FCRA.  In fact, the whole Metro 2 system is useless since it contains data visible to others but concealed from consumers.  How can a consumer check data for accuracy on paper credit reports when a complete set of conflicting and additional supplemental data is available inside Metro 2 yet undiscoverable, concealed and Unknown to innocent unsuspecting consumers???  Metro 2 even scams sophisticated consumers who frequently check paper credit reports fir accuracy. Therefore, my XXXX  Closed account plus all my closed accounts must be permanently deleted from every CRA unless and until an independent unbiased capable entity certifies that all Metro 2 data is 100% accurately coded and properly incorporated in my paper data credit reports so that Metro 2 data is 100% identical to my paper reports. I maintain that Metro 2 data will always contain data not available and not visible on paper credit reports in willful violation of the FCRA.  Therefore, my XXXX  and every CRA must promptly permanently delete my XXXX  and other closed accounts and, in the interim until deletion, report accounts as disputed by consumer, closed by consumer, consumer affected by a natural or declared disaster, payment deferred, affected by COVID-19,  etc for which Metro 2 does not even have the fields and capability to accurately insure such required items are reported completely, consistently, logically and accurately monthly without the possibility of change through updates causing improper removal of codes and code replacements.  XXXX  does not understand this and it is incompetent and incapable of complying with the FCRA and Metro 2 mandatory coding as will be shown herein.  This matter is ripe for investigation by the CFPB and Florida AG who has an injunction against XXXX  for deceptive, unfair and unlawful trade practices.  I need from XXXX  every Metro 2 data submission since XXXX  with a manual reconciliation to explain each and every paper entry in my credit report for every item and field.  I need the Metro 2 transcribed to what is actually in its system as I know the codes (such as XA, XB, XC, XD, XE, XFetc) and I know what the codes mean but I do not know exactly what code has been reported since coding may be illogically, subjective, improper, temporary and changing with erroneous and inconsistent coding. My credit reports change multiple time daily with codes removed, replaced, removed, replaced, removed, etc erroneously and inaccurately in willful violations of the FCRA.  Once my account is closed it must remain as closed but a furnisher subsequently reporting a closed account as disputed usually will remove the closed account code in violation of the FCRA and replace it with a dispute code instead of keeping both the closed and disputed designation.  Garbage in means garbage out.  Metro 2 gets complicated in my case when I have a XXXX  acct with a wrong account number which is closed, disputed, affected by a natural or declared disaster, payment deferred, paid from insurance, failed to be reported monthly, etc where the Metro 2 codes cannot properly report the mandatory obligated FCRA requirements.  Moreover, XXXX  has shown that it is incapable of understanding Metro 2 and is unqualified and unwilling to report accurate credit data.  The integrity and reportability of my XXXX  and other closed accounts is called into question as mandatory data fields are missing, contested and cannot be verified and certified as perfectly compliant, mandating deletion entirely.  Not only are numerous required fields in segments missing entirely, but many fields are inaccurate, and more importantly, Furnishers do not understand how to accurately code the complex mandatory compliance codes.  XXXX  does not even know what a closed account is under Metro 2 so it inaccurately reported my account that I closed in XXXX XXXX as open and refuses to mark my account as closed as required by the FCRA and Metro 2.  XXXX  claims that it closed my account to purchases when I closed my account but it will never mark my account on my credit report as Closed unless and until I pay my balance in full.  All XXXX  has to do is read Metro 2 to see that an account is closed by a consumer when requested even if there is a balance.  Metro 2 and the FCRA clearly requires marking my account as closed promptly after my admitted closure in XXXX.  If XXXX  does not understand Metro 2 and the FCRA and its obligations and prohibitions how can XXXX  be permitted to continue to report under Metro 2??? It is almost 2 months and XXXX  has failed to mark my account as closed, disputed, affected by natural or declared disaster on a monthly basis?  My closed XXXX account is still willfully inaccurate as it is still reported as OPEN on XXXX on my 3 credit reports,  As of XXXX, XXXX  last reported my account to XXXX  on XXXX in willful violation of the Metro 2 requirement to report monthly.    CRAs know Metro 2 requires monthly reporting.  CRAs have the responsibility to delete my account before XXXX  responds.  XXXX  does not even know how  to report account numbers accurately in Metro 2 as my account number continues to be reported as XXXX  even though my account number was changed to XXXX  about 3 years ago.  Metro 2 is too complicated for XXXX  to use and it is obvious that it does not understand how to change account numbers or it just shortcuts its obligations and refuses to accurately report my account accurately.  Simply stated, XXXX  is not Metro 2 compliant as it does not understand  the system and the 355 page guidelines  requiring proper coding for fields for Closed, Disputed, inaccurate data and account numbers and accounts affected by COVID and natural and declared disasters, all of which are missing from my XXXX  file for months. XXXX  has failed to monthly report my account since it last reported to XXXX  on XXXX as of XXXX.  Clearly, XXXX  is not Metro 2 compliant mandating deletion.  XXXX  does not have the ability or desire to accurately report. Metro 2 field 17A must include DA immediately to prevent irreparable harm and to avoid further willful FCRA violations with punitive damages exceeding XXXX based on 11th circuit USCA decisions for jury awards of XXXX for a single failure to report the account as disputed.  XXXX  is a recalcitrant lender who does not know the law and refuses to follow its known obligations.  XXXX  should attempt to mitigate damages instead of alienating me and increasing its obligation to pay me significant damages. I claim past statutory and other damages to offset the frivolous and uncollectable disputed balance which I claim is XXXX, mandating dismissal and deletion of my XXXX  account permanently.  I demand XXXX  and every CRA disclose every Metro 2 coded field since XXXX to ascertain what is actually exactly reported and at the same time asking them to manually reconcile paper conflicts.   I do not understand why XXXX  refuses to immediately mark my account as Closed, disputed, deferred, affected by COVID and a natural disaster, etc.  What is its sinister goal???? A Metro 2 Compliance request triggers e-OSCAR to electronically evaluate whether every piece of data was mandatorily perfect and complete Metro 2 Formatted Reporting Standards was properly reported within the compliance standards set forth by the FCRA.  CDIA definitions that go along with Metro 2 Language are either unknown, not read, not considered, or just purposely evaded by XXXX  or purposely violated due to incompetence or willful disregard.  Obviously, a systematic problem exists at XXXX  affecting its similarly situated cardholders.  Closed accounts at XXXX  are never reported as closed in willful violation of the FCRA.  I demand that XXXX  immediately stop reporting my account as OPEN.   My account is closed since XXXX and such date closed is required to be permanently entered into Metro 2.  XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  Compliance Condition Codes are used to reflect accounts Closed at Consumers Request AND Accounts Disputed By Consumer to comply with mandatory reporting under the FCRA, FCBA and FDCPA.  XXXX  does not even know the Definition of a closed account is and what a dispute is and it has not put any of the multiple mandatory codes into Metro 2 in complete and willful violation of the FCRA and other laws, both State and Federal.  XXXX  knows that my account is Closed and disputed yet it knowingly refuses to enter any Compliance Condition Codes in willful violation of the FCRA.  Simply stated, no code means XXXX  is not Metro 2 Compliant mandating permanent deletion of my account from every CRA.  My XXXX  and Experian reports are not reported monthly as required under Metro 2. (See Attached Experian reports of XXXX and XXXX showing XXXX as last reported date). Rather than promptly reporting my account as CLOSED on XXXX as required with a simple update, XXXX  completely stopped reporting since XXXX in violation of Metro 2. Apparently, XXXX  does not know how to enter mid cycle updates or it is just incapable of monthly reporting and mandatory prompt and immediate mid-cycle updates required by Metro 2 to comply with the FCRA.  My attached XXXX  report of XXXX shows inaccurately shows my XXXX  account number as XXXX  instead of XXXX. an inaccurate variable/adjustable rate, an inaccurate date of last payment, missing data for XXXX XXXX etc,, inaccurate date of last activity, missing deferral date, missing date closed, missing Closed account status, missing dispute code and other FCRA compliance codes.  Despite my disputes, XXXX  has failed to promptly and immediately update inaccurate disputed information to CRAs apparently willfully or because it does not understand how to update with Metro 2 / e-OSCAR protocols.  Reporting inaccuracies must be corrected promptly in order to comply with the FCRA.  See section 623(a)(2)(B).  The e-OSCAR Consumer Dispute System is designed and required to have built-in edits and safeguards to prevent illogical responses and impossible entries such as deletion of a closed account status resulting in a closed account inaccurately reported as open.  Similarly, once a consumer is marked as deceased, Metro 2 must prevent the person to be reported as alive by not permitting illogical coding entries. Replacing a required field with a blank field or zero to force Metro 2 to accept data for updates and submission must not be tolerated.  The CFPB website, like most websites, prevents submission until all required fields are marked and entered.  Metro 2 has no such controls so it allows submission of blank and inconsistent data without any effective checks and controls or allows furnished to evade requirements.  The numerous blank data fields demonstrate that XXXX  cannot and has not complied with Metro 2 standards and any one of the multiple blank required fields is grounds, standing alone, to delete my entire account for Metro 2 Compliance deficiencies and FCRA violations.  Every Metro 2 field has a purpose and no field must be blank under any scenario.  The entire Metro 2 Compliance safeguards are nonexistent.  Information within a dispute response must be complete and logical to insure maximum possible accuracy pursuant to well settled law. There are multiple coding duplicate safeguards to insure Metro 2 compliance.  For example not only does Metro 2 require a permanent Compliance Code for a closed account to comply with the FCRA but Metro 2 requires the entry of the actual DATE CLOSED so the closed status must be reported in 2 fields to prevent coding evasion.  Purposely entering blank required fields to force Metro 2 to update a submission constitutes a willful and deliberate violation of the FCRA and Metro 2 intended protocols. The incomplete, delayed and inaccurate  XXXX  reporting, with missing mandatory and required Metro 2 fields, should have required e-OSCAR to delete my account due to multiple Metro 2 Compliance deficiencies.  XXXX  should have been notified by CRAs of its reporting deficiencies or otherwise blocked from reporting entirely.  XXXX  has been negligent by failing to update its internal controls and record keeping to avoid and prevent re-reporting incorrect and illogical information.  XXXX Frequently Asked Questions and Answer, Question 64, discusses How should a replacement credit card be reported. XXXX  either does not have competent staff to understand Metro 2 or it just refuses to comply to save money.  In my case, my old acct # XXXX  was required to be updated with the new account number of XXXX (changed about 3 years ago) so XXXX  is NOT 100% Metro 2 Compliant mandating deletion.  Exact account number reporting is mandatory for many reasons including an internal control to prevent duplicate reporting of accounts especially when accounts are sold or transferred to others.  I have made multiple disputes but not only has XXXX  noticed yet failed to fix the obvious account number inaccurate account number but not one CRA has noticed the error nor forced Metro 2 updating of the correct account number as required to be Metro 2 compliant.  My Experian paper report conceals the last 4 digits of my XXXX  account number so I could not discover the inaccurate account numbers and inaccurate reporting in willful violation of the FCRA. On the other hand, XXXX  just reports just the last 4 numbers of XXXX  account on my paper so that the complete account number is discoverable to scammers by merely looking at 2 separate credit reports.  The FCRA and Metro 2 require the complete account number into Metro 2 and paper credit reports to insure accuracy and prevent duplication.   The ineffective procedure of partially blocking 4 or more account numbers on paper reports is counterproductive, achieves no valuable benefit or protection and deprives consumers of the right to determine accuracy especially if accounts are transferred. Since there is XXXX liability for credit fraud to consumers, complete account numbers must be reported on every CRA pursuant to the FCRA especially on Closed accounts, such as XXXX, which should be blocked.  The partially blocking of account numbers has protections for furnishers and no benefits for consumers, so every account on my credit report is inaccurate and not Metro 2 Compliant mandating deletion of every account including my XXXX  account. XXXX  answer to Question 58 required XXXX  to Report my account as deferred along with Special Comment AW (Affected by Natural or Declared Disaster) and other coding mandatory field entries negligently or intentional omitted in violation of the FCRA.  As XXXX  knows I live in XXXX  and I told it many times that I took a direct hit from Hurricane Ian in XXXX XXXX and I have been seriously affected by the FEMA declared natural disaster, not only has XXXX  willfully violated its specific obligation under the FCRA to report on my credit report  Affected By Natural or Declared Disaster, Compliance code AW, but it claims I am late despite the prohibition of late reporting due to Hurricane Ian.  Again, XXXX  is apparently deliberately negligent or untrained in meeting its mandatory obligations under Metro 2 contained in the 355 page Guide or it has maliciously and purposely violated the FCRA to hopefully induce me to pay disputed account charges thereby entitling me to XXXX+ in statutory and punitive damages so my claims exceed the smaller XXXX  disputed claim.  XXXX  and every CRA must enter account status code DA in field 17A to avoid and mitigate damages.  How about the mandatory Date of First Delinquency that furnishers and CRAs never report accurately. It is about time XXXX  sends its employees Back to School to learn about its obligations to insure maximum possible accuracy coding required under Metro 2/e-OSCAR/FCRA/FCBA/etc.  Garbage IN means Garbage OUT. Worst yet is leaving mandatory required fields BLANK in complete disregard for the requirements of Metro 2 and the FCRA.  Exhibit 8 of the XXXX  regarding Compliance Condition Codes, which is reported in Field 20 of the Base Segment, is used to reflect accounts Closed at Consumers Request, and, inter Alia, consumer disputes under the FCBA, FDCPA and FCRA.  Numerous Condition Codes exist (XA, XB, XC, XD, XE, XF, XI, XH, XJ etc) exist mandating reporting Accounts Closed at Consumers Request with the DEFINITION:  Reported when a consumer requested an account be CLOSED with an Important Note: Report the DATE CLOSED as the date the account was CLOSED TO FURTHER PURCHASES which XXXX  acknowledges was in XXXX XXXX.  Field Definitions in Metro 2 for #26 state: Date Closed  the date the account was closed to further purchases there may be a BALANCE DUE.  I need to repeat again and again what the FCRA and Metro 2 require in the 355 page guide.  Definition: Reported when a consumer requested an account be closed with an Important Note: Report the Date Closed as the Date the account was closed to further purchaseswhich XXXX  letter acknowledges was in XXXX. Again, Field Definitions for #26 Date Closedthe date the account was closed to further purchasesthere may be a balance due.  There can be absolutely no doubt that XXXX  has no idea of what a Closed account is and what the FCRA, case law, and the 355 page Metro 2 guide defines.  Or worse it has lied, lied, lied to federal investigators and its own superiors mandating disciplinary action against employees conspiring to violate the FCRA.  XXXX  top management needs to take disciplinary action against its staff for unconscionable conduct. XXXX  frivolous and illegal position that it will never report my account as closed unless and until I pay the entire balance in full is absolutely ridiculous and in willful and malicious disregard for the FCRA mandating maximum possible Statutory and Punitive damages plus Attorney Fees exceeding XXXX.  Does XXXX  want a US District Court jury to punish it if it is wrong?  Does XXXX  want to spend XXXX in legal fees and related expenses only to lose?  Does XXXX  want a US District Court to ask a US Magistrate Judge to issue a Report of Findings of Fact and Conclusions of Law to be reviewed by the US District Court Judge for judgment and Rule 11 sanctions?  Does XXXX  want the CFPB and the Florida AG to prosecute it?  Does XXXX  employees want to risk losing their jobs for knowingly, deliberately, maliciously, negligently and purposely violating the FCRA in bad faith?  Is there criminal conduct under multiple federal statutes for lying to federal authorities?  XXXX  top management and  below have no idea what the FCRA and Metro 2 straight forward Definitions are for a closed account or worst it knows my account is closed yet it continues to illegally report my account as Open for a sinister purpose.  XXXX  knows that my account was closed yet it refuses to report my account as Closed in willful violation of the FCRA, Metro 2 etc even though it acknowledges my phone call demand to close my account in XXXX resulting in not only a closure, by definition, but XXXX  blocking my account from further purchases thereby meeting the Metro 2 definition of a Closed account.  XXXX  falsely claims that my account will NEVER be reported as closed until my entire balance is paid in full.  I closed my account in XXXX  but XXXX  refuses to report my account as closed and just willfully violated the FCRA and Metro 2 by reporting my account as OPEN.  XXXX  had systematically, maliciously, deliberately and willfully violated the FCRA and Metro 2 resulting in inaccurate and incomplete reporting of data including blank data and codes in data fields in Metro 2 that XXXX  and CRAs refuse to adequately investigate.  Once I called XXXX  by phone and demanded it close my account and XXXX  at that time processed my closure request telling me my account was now closed telling me the account was blocked from further purchasers so I needed to advise merchants not to use my closed account further, XXXX  was required to PROMPTLY in a matter of a few days or minutes (not months) report my Account As Closed By Consumer forever keeping it Closed with every CRA never to be changed or deleted. Reporting an account as closed should be an instantaneous and automatic credit reporting process as it happens so frequently.  XXXX  blocked my account from further purchasers and read me the disclosure statement on its recorded line that my account was closed which I demand a certified copy of such transcript herein as additional proof of XXXX  wrongdoing.  This is certainly a learning lesson for XXXX  so its staff may understand and comply with its obligations under the FCRA and Metro 2.  Treating Consumers as stupid with disrespect is a terrible way to respond to bona fide complaints and disputes., especially when CFPB complaints can be viewed online for the public to read.  Does XXXX  really want to risk multi jurisdictional civil and criminal litigation over the Definition of a Closed Account?  The Definition of what a Closed account under the FCRA and Metro 2 is absolutely clear and its repeated definitions cannot be challenged under any scenario. Your Law firms will risk damaging their reputation and licenses by claiming my Closed XXXX  account is still Open when faced with a Rule 11 motion and action for sanctions for frivolous conduct.  What is wrong with XXXX? Is your XXXX  parent telling you to lie to federal authorities?  Are your executives stupid?  Do you think the CFPB is stupid? Do you think a jury and US District Court Judges are stupid?  Well, I am obviously NOT stupid and it is obvious that I am furious about the entire credit reporting system and its lack of controls.  The CFPB knows and has acknowledged unacceptable systematic FCRA violations. I just cant believe XXXX  insists on reporting my Closed account as Open.  Keep being STUPID and XXXX  will pay bigger and bigger  serious consequences.  Customers must be treated with respect not treated as Stupid by untrained inexperienced or stupid employees who do not act in the banks best interest.  When I filed my complaint with the CFPB, you should have taken the complaint seriously and tried everything to satisfy me by even giving me more than I asked for instead of being stupid.  XXXX  should have reduced my interest to 0% and just offer to pay me a XXXX statutory damage amount while not admitting or denying wrongdoing.  Moreover, XXXX  should have offered to permanently delete my account from every CRA as that would cost XXXX.  But XXXX  is not only stubborn but a stupid recalcitrant lender who would never offer a XXXX concession but would prefer to spend millions rather than make needed token concessions. Businesses pay huge sums to answer customer service phone calls and concessions are the cheapest and most effective way to satisfy and retain customers.  But obviously, XXXX  has alienated me (and others similarly situated) by treating me as stupid even after filing a CFPB complaint.  What would XXXX XXXX  Parent in XXXX  say when matters get out of Control and no one wants to acquire you?  I could continue for 20 more pages quoting the FCRA, Metro 2 Guidelines, statutory intent, criminal federal statutes, CFPB policies, Case law etc but XXXX  is required to know all that and have its Staff trained and knowledgeable.  This Complaint will certainly assist XXXX  staff in understanding its obligations under the FCRA and Metro 2.   I am entitled to relief as a consultant would charge huge amounts for what I have told you about your deficiencies.  Once my account was closed, XXXX  was prohibited to report my account with a variable interest rate so again XXXX  coding with a variable rate is inaccurate which everyone missed after closure.  XXXX  needs to send its staff and upper management Back To School to Metro 2 workshops, e-learning courses and seminars.   The industry Reporting Standards of Metro 2 to insure integrity and consistency of credit information requires:  All Accounts must be reported a minimum of once per month.  Prompt immediate and button-pushing automatic mid cycle updates are required especially for Closed, Disputed and accounts Affected by Natural or Declared Disaster.  XXXX  has failed to meet these and other Metro 2 obligations because as of XXXX, my last XXXX  update to XXXX  and Experian was XXXX per the attached.  Pursuant to section 1682 et seq of the FCRA, XXXX  and every CRA may be liable for willfully and negligently failing to follow reasonable procedures to assure maximum possible accuracy.  XXXX  is out of control. XXXX  numerous deliberate deficiencies of illegally withholding and inaccurately concealing and reporting false and missing required account data is purposely intended to negatively affect a consumer credit score in complete willful violation of the FCRA.  XXXX  has escalated my complaint issues to a high level executive department so there is no defense or excuse of new or inexperienced employees or other type of employee error or negligence as my dispute issue responses are purportedly prepared and investigated by senior level experience staff and reviewed by higher level experienced staff.  While Rule 11 sanction requests for frivolous conduct in federal courts permit violators to escape sanctions due to a 30 day safe harbor, willful violations of the FCRA cannot escape statutory and punitive damages. Some attorneys prefer to immediately file FCRA lawsuits upon discovery of violations. My efforts are intended to provide repeated notice of XXXX  illegal conduct so that FCRA violations can be corrected to mitigate damages.  If XXXX  willfully continues to violate the FCRA despite numerous warnings, higher punitive damages will be incurred.  I believe that XXXX  will never admit FCRA violations due to its internal policies for dealing with FCRA violation complaints.  So despite my indisputable detail of widespread and systematic illegal conduct known to be illegal, I expect XXXX  will continue to willfully violate the FCRA rather than just delete my account permanently from every CRA.  CFPB Director XXXX XXXX recently said around XXXX XXXX XXXX: XXXX  is an out/of-control repeat offender that believes it is above the law.  I am concerned that XXXX  leadership is either unwilling or incapable of operating its businesses lawfully.   My XXXX  issues similarly prove that XXXX  is an out-of-control repeat offender that refuses to comply with the FCRA and is incapable of understanding and implementing Metro 2 and the most basic FCRA provisions for reporting closed, disputed, affected by natural or declared disaster accounts and data.  On XXXX XXXX XXXX Florida Attorney General XXXX XXXX  announced a settlement agreement with 34 attorneys generals and XXXX  that included about XXXX XXXX in relief nationally including future injunctive relief requiring that XXXX shall maintain policies and procedures with respect to deferments, forbearances, modifications, and other related servicing and collection matters, and ensure that these policies and procedures are followed by its employees.  I maintain that the violations of the FCRA by XXXX and its refusal to mark my offered payment deferrals due to Hurricane Ian on my credit reports constitute violations of it injunction which I will address counsel for the Florida AG.  The AG injunction also stated: XXXX  shall comply with the Florida Deceptive and Unfair Trade Practices Act, Chapter 501, Part II, Florida Statutes.  Obviously, XXXX  willful and malicious violations of the FCRA clearly constitute grave violations of Floridas Deceptive and Unfair Trade Practices also enjoined by the injunction relief agreed to by XXXX.  XXXX  is just out of control and incapable of complying with its obligations.  Metro 2 and the FCRA is just too complicated for XXXX  to administer as required mandating permanent deletion of my disputed and closed account from my credit report.  XXXX  retaliated against me for seeking deferrals offered and accepted automatically and required due to Hurricane Ian resulting in unacceptable FCRA violations and a complete disregard for requirements of Metro 2.  I insist on 100% compliance with the requirements of Metro 2 and the FCRA to prevent the inaccuracies and incomplete credit reporting.  Moreover, I demand a copy of every XXXX  Metro 2 code filed so that I can compare codes submitted versus paper reports received.  My credit file is the Metro 2 codes which is inconsistent and quite different from my paper credit reports as the Metro 2 files contain data that is not on my paper reports.  Failure to provide me with past Metro 2 filings shall constitute the same FCRA violation as failing to provide an English paper credit report or electronic copy of my credit report.  Keep in mind that an analysis of my Metro 2 codes show that I was in the past 60 days late which is impossible as my paper reports showed that I was never late to any creditor.  The Metro 2 coding is so complicated that inaccurate negative and derogatory data will always exist in Metro 2 which is not shown on a paper report to a consumer.  Metro 2 must be exactly the same as a XXXX","date_sent_to_company":"2023-02-17T10:42:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6583808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-17T10:42:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My credit score was 200+ points below what it should <em>have</em> been due to the concealed and inaccurate 60 day late payment inside Metro 2 and concealed from my paper reports.  I <em>have</em> <em>complained</em> to every CRA and the improper verification responses <em>have</em> been to ask me what data is incorrect instead of researching my Metro 2 data to tell me what data is in Metro 2 that is concealed from my paper credit reports."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[5.232017,"6583808"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":24,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":24}]}},"product":{"doc_count":24,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6}]}},{"key":"Money transfer, virtual currency, or money 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