{"took":90,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":77,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3269165","_score":18.14045,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX/XXXX/XXXX I received a message from my Bank listing two transactions from PayPal. \nPaypal debited my account for XXXX and the XXXX debited my account for XXXX. \n\nI called XXXX and they credited my card back on the spot. Then I called my bank to have the card blocked. And told them about the XXXX charges. The bank said they would contact paypal. \n\nSince it was after XXXX on XXXX. I got on the internet to contact PayPal.They gave me the run around and would not tell me who used my card and why. ( I have email transcript ). The unauthorized user of the card had more rights than the owner of the card in there eyes. \n\nOn XXXX I called PayPal, They took me thru a series of questions before they would tell me who used my card. Then Paypal said the would issue me a credit back on XX/XX/XXXX. PayPal also stated they have no way to protect my card information what another user list it as their payment method. WOW! This is enabling people to still. \n\nProblem for Censurers : - No data base check to see if existing credit card is on file. Before a new payment ID is established. \n- New/existing user requesting to add new payment method should have to verify existing credit card information and it should match. Before access is granted. \n- Existing card holder should be notified that someone else is attempted to add there card for use. \n\nIf PayPal can verify user id and email address, they should run a check on their data base to see if the payment method is existing. \n\nResolution : I want the person who stole my credit card information to be PROSECUTED ASAP. \nThe broke PALPAL service agreement and committed a crime. Also I know this person soled or shared my card information due to the other transaction. \n\nPayPal and XXXX need to launch an investigation on how they allowed this user to INFILTRATE their data base to gain access to their customers financial information without having to verify there identity. \n\nI want my money back XX/XX/XXXX not XX/XX/XXXX. This breach has caused me high level of stress, a firm dis trust for both their services. I am a nervous wreck, because I dont know what other personal information he mayve obtain thru PayPAL/XXXX negligence to protect my data on their data base. PayPal and XXXX need to held accountable.","date_sent_to_company":"2019-06-20T13:15:19.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"44105","tags":null,"has_narrative":true,"complaint_id":"3269165","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2019-06-09T20:42:04.000Z","state":"OH","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["The unauthorized user of the card had more rights than the owner of the card in there eyes. \n\nOn XXXX I called PayPal, They took me thru a series of questions before they would tell me who used my card. Then Paypal said the would issue me a credit back on XX/XX/XXXX. PayPal also stated they have no way to protect my card information what another user list it as their payment method. WOW! This is enabling people to still."],"issue":["Problem with a purchase or transfer"]},"sort":[18.14045,"3269165"]},{"_index":"complaint-public-v1","_id":"8074808","_score":16.361992,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to XXXX, TransUnion and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ Transunion- XXXX ], [ XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXX/XX/2023 - XXXX XXXX TRANSUNION XXXX XX/XX/2023 - TRANSUNION - XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION- XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:56:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-28T22:48:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Investigation took more than 30 days"]},"sort":[16.361992,"8074808"]},{"_index":"complaint-public-v1","_id":"8074660","_score":16.342848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to Experian, XXXX and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ XXXX XXXX ], [ Experian-XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-28T22:57:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Investigation took more than 30 days"]},"sort":[16.342848,"8074660"]},{"_index":"complaint-public-v1","_id":"8074592","_score":16.331837,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/ to XXXX, XXXX and Equifax. Here are my certified mail return receipt tracking numbers. [ Equifax XXXX ], [ XXXX XXXX ], [ XXXX ] and I have attached a XXXX with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX - Equifax- XXXX XXXX XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-28T22:57:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Investigation took more than 30 days"]},"sort":[16.331837,"8074592"]},{"_index":"complaint-public-v1","_id":"16757276","_score":15.5516,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by Citibank XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to Citibank 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from Citibank 's Cardmember Services - Credit Management Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite Citibank claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My XXXX credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching Citibank 's XXXX XXXX location. \n\nThis creates several violations : 1. Citibank is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - Citibank refused to investigate by claiming they can not locate the account WHAT I WANT : 1. Citibank to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If Citibank truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from Citibank regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - Citibank letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to Citibank","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16757276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-22T13:04:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report"]},"sort":[15.5516,"16757276"]},{"_index":"complaint-public-v1","_id":"16758190","_score":15.522337,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by XXXX XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to XXXX 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from XXXX 's XXXX XXXX XXXX XXXX XXXX Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite XXXX claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My Experian credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching XXXX 's XXXX XXXX location. \n\nThis creates several violations : 1. XXXX is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - XXXX refused to investigate by claiming they can not locate the account WHAT I WANT : 1. XXXX to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If XXXX truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from XXXX regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - XXXX letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to XXXX","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16758190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-22T13:10:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it."]},"sort":[15.522337,"16758190"]},{"_index":"complaint-public-v1","_id":"6550080","_score":15.098179,"_source":{"product":"Checking or savings account","complaint_what_happened":"I closed my credit line Acct XXXX with Suntrust/Truist bank on XXXX after repeatedly losing access to online banking during their merger with BB & T Bank . Due to not having access to online banking, I had to call in to get the total amount due in order to bring the balance to XXXX and close the account. The representative took payment from me of {$120.00} in order to bring the account to XXXX and close it out. on XXXX I got a letter in the mail from Truist bank stating that I owed {$22.00}. I called Truist and was told they didn't see what the problem was on their end and couldn't confirm if it was or wasn't fraud so they opened an internal fraud investigation and would let me know once that process was complete. Several months later without ever hearing back from Truist, I got a letter from them stating that I owed {$68.00}. I called again and spoke with a Truist rep named XXXX on XXXX and requested more info on what was going on. She was able to inform me that there was a charge of {$22.00} that posted on XXXX that I wasn't informed of at the time I closed out the account. At this point I offered to pay the {$22.00} to settle the account but was informed that I would also be required to pay late fees as well of which I refused to do since I wasn't made aware of the existing balance at the date I closed the account. The date of this writing is XXXX and they are saying my current balance is now in the range of {$200.00} due to late fees accruing every month. After no less than 5 separate conversations with different representatives and a one hour round trip to my nearest Truist branch they are continuing to add to the balance on the account that I closed almost 1 year ago. My credit score as a result has gone down over 100 points and I have spent countless hours on the phone and in transit to the branch with no offer of resolution by the creditor.","date_sent_to_company":"2023-02-09T18:25:05.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"6550080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-02-09T17:42:04.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The representative took payment from me of {$120.00} in order to bring the account to XXXX and close it out. on XXXX I got a letter in the mail from Truist bank stating that I owed {$22.00}. I called Truist and was told they didn't see what the problem was on their end and couldn't confirm if it was or wasn't fraud so they opened an internal fraud investigation and would let me know once that process was complete."],"issue":["Problem with a lender or other company charging your account"]},"sort":[15.098179,"6550080"]},{"_index":"complaint-public-v1","_id":"2575058","_score":13.724461,"_source":{"product":"Mortgage","complaint_what_happened":"THIS COMPLAINT INVOLVES FRAUDULENT AND DECEPTIVE PRACTICES BY BANK OF AME RICA HOME LOANS , IN XXXX , CA, THE SUBSIDIARY OF BANK OF AMERICA THAT TOOK OVER THE TOXIC MORTGAGES OF THE FORMER COUNTRYWIDE MORTGAGE COMPANY IN CALIFORNIA. This situation is well known to the CFPB. Bank of Ameri ca Home Loans was responsible for providing assistance to the people who were losing their homes because of the toxic C ountrywide Mortgages. In many cases, those Mortgages were sold to XXXX XXXX and XXXX XXXX sent the Mortgages to XXXX . XXXX is now being sued in a huge Class Action la wsuit for illegally raisin g the Lender-Placed Insurance to high levels suddenly. But it was Bank of America Home Loans that originally hired that Insurance Company , and XXXX was blamed for something they could not solve. THIS COMPLAINT IS ABOUT AN EVEN WORSE PROBLEM WITH BANK OF AMERIC A HOME LOANS. Some of the original toxic Countrywide Mortgages were taken over by Bank of America Home Loans, and were NOT given to XXXX XXXX . Bank of America DENIED the assistance offered by HUD and XXXX XXXX , and in stead offered to \" help people in trouble '' by themselves. In thi s one sit uation, a XXXX Senior Citizen was having serious trouble making her monthly payments to Bank of America Home Loans. She asked them for assistance and they offered what SEEMED TO BE a good arrangement, of Refinancing the existing loan, stretching out the payments to a maximum of 60 years, and reducing the Interest Rate to 2 % the first year, 3 % the second year, and 4 % for the rest of the Mortgage term. The homeowner agreed to those terms, and was visited by a Traveling Notary Public who rushed the homeowner to \" sigh here, '' \" sign here, '' etc. at a very rapid pace, through a mountain of Mortgage documents.\nThe Homeowner WAS NEVER TOLD that Bank of America Home Loans was going to ADD {$14000.00} TO THE LOAN PRINCIPAL in that \" Refinance. '' The original loan was only {$35000.00}, the Homeowner had been paying that loan monthly for years, and NOW the Homeowner is NOW STUCK with a hugely high {$59000.00} Mortgage amount. Pl\n us,\nBank of America also raised the Lender-Placed Insurance t o a much higher level, just like in the current Lawsuit against XXXX . The XXXX Seor Citizen Homeowner i s living so far below the poverty level that she receives XXXX XXXX . And this person is me. This investigation CAN NOT be delayed, because, even in this case as described above, the Homeowner is WRONGFULLY paying much more each month than she would have paid per month if Bank of Am erica Home Loans had not ILLEGALLY increased her Principal to almost DOUBLE what it was before the Refinance, and th is also is causing the Homeowner to NEVER be able to get to a time when she is paying more for the Principal than the Interest with her Monthly Payments.","date_sent_to_company":"2017-07-14T14:28:39.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"90036","tags":"Older American","has_narrative":true,"complaint_id":"2575058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-07-14T13:48:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This investigation CAN NOT be delayed, because, even in this case as described above, the Homeowner is WRONGFULLY paying much more each month than she would have paid per month if Bank of Am erica Home Loans had not ILLEGALLY increased her Principal to almost DOUBLE what it was before the Refinance, and th is also is causing the Homeowner to NEVER be able to get to a time when she is paying more for the Principal than the Interest with her Monthly Payments."]},"sort":[13.724461,"2575058"]},{"_index":"complaint-public-v1","_id":"2902872","_score":12.141049,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX, I refinanced my primary residence/home with XXXX XXXX XXXX. During the closing ( which was completed by a notary public at my home at my dining room table- all within 20 min. of time ), I was rushed to \" sign '' the papers and was told that I could contact the mortgage/loan officer with any questions. When I did no one answered phone calls, so I read very thoroughly through all paperwork to discover that this was an adjustable rate with a negative amortization loan. I was 35 years old at the time and had previously owned 2 other homes in my lifetime with no knowledge of these types of interest only/negative amortization loans even existed. I had just purchased this particular home ( my 3rd home owned ) in XX/XX/XXXX, so I owned the home with an existing mortgage for over 36 months. I never had a late payment, etc. So, when I read the fine lines and no one called me back after the first day, I sent a letter to the company within 3 days to rescind this offer and cancel the loan due to the terms that I did not agree with. I am the co-borrower on the loan as well which compounding issues as they also switched the mortgage to my husband 's name as first on loan or applicant and me as co- applicant, yet the home is still listed incorrectly on XXXX XXXX XXXX appraiser and on the deed as : XXXX XXXX not my legal name which is XXXX XXXX . No one responded to my letter, no one contacted me, no one offered resolution despite my certified letter requesting such. I paid my monthly mortgage payments as I did not want to go into default or foreclosure. Then, the economy crashed due to housing bubble in XX/XX/XXXX- XX/XX/XXXX and it was discovered that these \" bad loans '' were causing many Americans to lose their homes/property. I was contacted by Bank of America shortly after to \" fix '' this loan and \" modify '' to make adjustments. I thought to myself, \" yes, finally a reputable bank that will assist ''. The problem with this was now my home was worth over $ 50K- 75K less than the loan and mortgage which I took out when I refinanced in XX/XX/XXXX in the amount of {$200000.00}. Now, my home was worth approximately $ 160K due to the housing crash/bubble and decreased home values due to foreclosures across our nation. I paid a lawyer to help correct and I paid Bank of America for trial periods ( almost double my monthly mortgage payment ) and I paid BOA over $ 6K in cash to pay for any changes/arrears, etc. while my loan was modified. In total, I paid the lawyer {$700.00} per month and BOA over {$9000.00} in just 9 months ( this far exceeded my monthly interest only mortgage payment. At the time of refinance, in XX/XX/XXXX, my original loan ( and documented in XXXX XXXX County clerk of courts even today is for {$200000.00} ) yet when BOA took over I now owed $ XXXX -- I was assured that now since the home is worth $ XXXX that I could apply for assistance through HARP or Making Home affordable program and possibly receive a principal reduction on this loan due to the loan type. My problem is and only has been with XXXX XXXX XXXX. I should have never received this loan as I requested within 3 days to rescind and cancel due to signing under pretenses of a conventional loan and also under duress as I was \" rushed '' to sign by a notary public. The notary public could not answer any questions as she stated, \" I am only a notary public -- you will have to ask a loan officer those questions or contact the mortgage broker or write a letter to cancel, but I am here now so you sign the prepared papers. '' I would like a complaint filed and an investigation into why my cancellation never took place which has affected my loan and payments and balance on this loan. Do you know that at this time ( no late payments ) I owe over {$260000.00} when I borrowed only {$200000.00}. Do you know that is close to $ 60K more than I borrowed a mortgage for on XX/XX/XXXX which is close to 13 years ago. 13 years and not only have I not made one cent payment toward principal- I now owe $ XXXX more than I borrowed which means this ballon note will never be paid off at this rate, yet I am a homeowner fixing and repairing all items such as roof, appliances, paying taxes, insurances, etc. and I am not a homeowner at all as there is no way I will pay this loan off. I have tried to work with the current service provider XXXX , XXXX as this loan went from Countrywide to Bank of America to XXXX XXXX XXXX and now is with XXXX XXXX and serviced by XXXX, XXXX. I have tried to offer a short pay and I have been denied twice since XX/XX/XXXX. I have a medical hardship at this time and I am fearful that I will lose my home due to my medical condition. I would appreciate any help in resolving this matter and again it starts with XXXX XXXX XXXX and the lack of resolution that I received back in XX/XX/XXXX when I asked to cancel this unscrupulous and predatory loan. Is there assistance for this type of predatory loan? Can XXXX XXXX XXXX correct this loan to the original amount or offer me any resolution?","date_sent_to_company":"2018-05-16T14:52:06.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"33405","tags":null,"has_narrative":true,"complaint_id":"2902872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-05-11T01:21:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The problem with this was now my home was worth over $ 50K- 75K less than the loan and mortgage which I took out when I refinanced in XX/XX/XXXX in the amount of {$200000.00}. Now, my home was worth approximately $ 160K due to the housing crash/bubble and decreased home values due to foreclosures across our nation."]},"sort":[12.141049,"2902872"]},{"_index":"complaint-public-v1","_id":"3081937","_score":12.08564,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name.\n\nThey got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though.\n\nAt some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. \nI did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). \nI have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however Chexsys absolutely refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account and scores of unauthorized inquiries from my report. \n\nThey have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 6 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. \nI reported the accounts that were fraudulent to them and were needing to be blocked back in XXXX of this year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days ). I called and pleaded with them several times during this 30 day period, explaining to them the damage to my credit history and the problems it was causing me- but to no avail. I documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. They claim that the police report was insufficient due to the dates ; however I didnt learn of the account being reported to them until XXXX of this year when I tried to get added as a signor to my business partners existing checking account. \n\nAfter that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems.","date_sent_to_company":"2018-11-24T15:25:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"3081937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2018-11-24T15:11:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["After that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems."]},"sort":[12.08564,"3081937"]},{"_index":"complaint-public-v1","_id":"3081942","_score":12.079829,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. \n\nThey got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. \n\nAt some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the XXXX of XX/XX/2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. \nI did attempt to file a police report in XX/XX/2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part ofXX/XX/XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). \nI have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however XXXX absolutely refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account and scores of unauthorized inquiries from my report. \n\nThey have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 6 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. \nI reported the accounts that were fraudulent to them and were needing to be blocked back in XX/XX/XXXXof this year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days ). I called and pleaded with them several times during this 30 day period, explaining to them the damage to my credit history and the problems it was causing me- but to no avail. I documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. They claim that the police report was insufficient due to the dates ; however I didnt learn of the account being reported to them until XXXX of this year when I tried to get added as a signor to my business partners existing checking account. \n\nAfter that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems.","date_sent_to_company":"2018-11-30T20:54:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"3081942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-11-24T15:25:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["After that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems."]},"sort":[12.079829,"3081942"]},{"_index":"complaint-public-v1","_id":"3296519","_score":12.025569,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax XXXX up my credit profile and showed bad attitude on assisting me solving the problem. \nOn XX/XX/XXXX, I applied XXXX XXXX Credit Card from XXXX XXXX XXXX. XXXX pulled my credit report from Equifax, then denied my application given the reason of \" too many ( XXXX ) accounts opened within last 24 months ''. I then telephoned XXXX customer support and found out that the credit history XXXX got from Equifax was not accurate at all. In the report provided by Equifax to XXXX, I found there are several accounts that were not opened by me. Then I telephoned Equifax customer service and requested a dispute of those accounts against my Credit profile. \nI was offended by the process of how Equifax handled my dispute request. Here are my primary complaints : 1. Dereliction of duty Equifax required me to submit a lot of supporting documents ( W-2, pay-stub, SSN Card, Drivers License, Address, Rental Agreement, Utility Bill, etc ) to validate my identity, which in my opinion exposed their failure to protect users ' credit info but to return the responsibility to the user to prove his identity. \n2. Processing speed very slow Despite Equifax 's dereliction of duty, I still submitted those docs accordingly. However, it took Equifax nearly a month only to be able to verify my identity, not even mentioning investigating the inaccurate info requested in my dispute request against the credit report they provided. Interestingly, their call center representative told me this process only takes no more than a week in general. \n3. Unresponsive customer call center representatives During the processing time, I telephoned their call center quite a few times tracking the updates. However, none of them was useful. Every time what I can only hear was their emphasis on they couldn't see anything from their database, so I had to either wait or to re-submit again. They even suspected me mailing the docs to the wrong place. Ironically, the mailing address was provided by Equifax. I believe it was because of their internal miscommunications which caused the delay, however, what I felt about the attitude from the representative was \" We can't do anything from our Equifax side. If you want us to process the dispute, you have to provide this and this, that and that ... '', even forgetting the cause of this inconvenience may possibly be the recent data exposure to the hacker, in which Equifax was the one at fault, not us customers. \n4. Problem still unresolved Now I received their full credit report, but still notice lots of wrong information recorded on the report which are not relevant to me at all ( wrong former name, non-existing accounts opened by me, invalid credit inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was reported by Equifax, and got proof from them those accounts don't exist. Therefore, I believe ( a ) my credit profile was XXXX up by Equifax entirely ; ( b ) Equifax didn't demonstrate well attitude on supporting me getting this cleared up. I got tired calling Equifax again and again. I'd like to come here for additional help from you.","date_sent_to_company":"2019-07-05T07:36:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95126","tags":null,"has_narrative":true,"complaint_id":"3296519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-05T07:21:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["However, it took Equifax nearly a month only to be able to verify my identity, not even mentioning investigating the inaccurate info requested in my dispute request against the credit report they provided. Interestingly, their call center representative told me this process only takes no more than a week in general. \n3. Unresponsive customer call center representatives During the processing time, I telephoned their call center quite a few times tracking the updates."]},"sort":[12.025569,"3296519"]},{"_index":"complaint-public-v1","_id":"3296823","_score":12.02342,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX up my credit profile and showed bad attitude on assisting me solving the problem. \nOn XX/XX/XXXX, I applied Chase Southwest Credit Card from JP Morgan Chase. Chase pulled my credit report from XXXX then denied my application given the reason of \" too many ( >5 ) accounts opened within last 24 months ''. I then telephoned Chase customer support and found out that the credit history Chase got from XXXX was not accurate at all. In the report provided by XXXX XXXXo Chase, I found there are several accounts that were not opened by me. Then I telephoned XXXX customer service and requested a dispute of those accounts against my Credit profile. \nI was offended by the process of how XXXX handled my dispute request. Here are my primary complaints : 1. Dereliction of duty XXXX XXXXequired me to submit a lot of supporting documents ( W-2, pay-stub, SSN Card, Drivers License, Address, Rental Agreement, Utility Bill, etc ) to validate my identity, which in my opinion exposed their failure to protect users ' credit info but to return the responsibility to the user to prove his identity. \n2. Processing speed very slow Despite XXXX XXXX dereliction of duty, I still submitted those docs accordingly. However, it took XXXX nearly a month only to be able to verify my identity, not even mentioning investigating the inaccurate info requested in my dispute request against the credit report they provided. Interestingly, their call center representative told me this process only takes no more than a week in general. \n3. Unresponsive customer call center representatives During the processing time, I telephoned their call center quite a few times tracking the updates. However, none of them was useful. Every time what I can only hear was their emphasis on they couldn't see anything from their database, so I had to either wait or to re-submit again. They even suspected me mailing the docs to the wrong place. Ironically, the mailing address was provided by XXXX. I believe it was because of their internal miscommunications which caused the delay, however, what I felt about the attitude from the representative was \" We can't do anything from our XXXX side. If you want us to process the dispute, you have to provide this and this, that and that ... '', even forgetting the cause of this inconvenience may possibly be the recent data exposure to the hacker, in which XXXX was the one at fault, not us customers. \n4. Problem still unresolved Now I received their full credit report, but still notice lots of wrong information recorded on the report which are not relevant to me at all ( wrong former name, non-existing accounts opened by me, invalid credit inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was reported by XXXX, and got proof from them those accounts don't exist. Therefore, I believe ( a ) my credit profile was screwed up by XXXX entirely ; ( b ) XXXX didn't demonstrate well attitude on supporting me getting this cleared up. I got tired calling XXXX again and again. I'd like to come here for additional help from you.","date_sent_to_company":"2019-07-05T07:36:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95126","tags":null,"has_narrative":true,"complaint_id":"3296823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-07-05T07:36:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["However, it took XXXX nearly a month only to be able to verify my identity, not even mentioning investigating the inaccurate info requested in my dispute request against the credit report they provided. Interestingly, their call center representative told me this process only takes no more than a week in general. \n3. Unresponsive customer call center representatives During the processing time, I telephoned their call center quite a few times tracking the updates."]},"sort":[12.02342,"3296823"]},{"_index":"complaint-public-v1","_id":"4414707","_score":11.801307,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I removed names and addresses and phone numbers from their response. \n\nI submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns.\n\nDiscover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. \n\nThe complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. \n\nDiscover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. \n\nPlease resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. \n\nBellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. \n\nATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No","date_sent_to_company":"2021-05-28T23:18:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"4414707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-05-28T22:41:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint."],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_issue":["Was not notified of investigation status or results"]},"sort":[11.801307,"4414707"]},{"_index":"complaint-public-v1","_id":"8623833","_score":11.477337,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XXXX of XXXX our hvac gas system, split unit with a/c went out. We called XXXXXXXX XXXX XXXX XXXX because they had merged with XXXX XXXX XXXX XXXX-who we had previously done business with. It was hot ( XXXX ), the service tech XXXX said our old unit could not be repaired. We did an online ( His work tablet ) application for credit line to replace our now broken unit. We were approved @ higher interest rate than quoted, but it was hot, we had no air. So I signed for my husband who is XXXX. The next day XXXX sends two workers, no electrician, no one to clean existing duct work, no team of workers as promised. They arrived 2 hours late, had the wrong unit, had multiple problems and did only a partial In stall, they got air working, did not complete gas portion, left gas line open, they return the next day, to supposedly finish install everything. Took a look under house, said they would not clean duct work, but another team member would, they left. We expressed issue same day @ install & duct cleaning being incomplete. XXXX would not return our calls or respond until a few weeks later, sent install manager back with salesman/ service rep. Said they would take down inside furnace unit & reinstall, as we requested, said they had to order supplies from XXXX XXXX XXXX XXXX They never came back to reinstall or address cleaning of duct work. Three months later its now cold outside, we turn on heat, it's only blowing cold air. Contacted XXXX to state that gas heat is not working & if they do not return to fix the issue, as done the past 3 months. We would contact local news to investigate. They returned did reinstall from sideways to front facing, but did not clean ducts, they also damaged our gutter @ outside A/C unit, & left screws and debris near my car damage to tires. We contact XXXX @ latest issues, they sent same sales representative back to apologize & a check for {$1000.00}, saying refund. XXXX never addressed our request to clean duct work which was a part of {$10000.00} contract loan amount, they never addressed our issue with breaker box replacement, nor our insurers request for work order, electrical, fuses, breakers, wiring, proof of codes conformity, etc. We also never received paper copies of loan/contract until we requested those in XX/XX/XXXX. We also contacted Service Finance.three or more times to inform of issues with XXXX. SERVICE FINANCE went ahead and funded the loan/paying XXXX in spite of our complaints of incomplete & unsatisfactory work, creating Consumer Finance Bad confidence loan. We had to begin repaying loan XX/XX/XXXX, without Service ever verifying that the work was completed-which Service stated they would not do.","date_sent_to_company":"2024-03-25T20:57:37.000Z","issue":"Problem with additional add-on products or services","sub_product":"Personal line of credit","zip_code":"37013","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8623833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-03-25T19:50:36.000Z","state":"TN","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":["We were approved @ higher interest rate than quoted, but it was hot, we had no air. So I signed for my husband who is XXXX. The next day XXXX sends two workers, no electrician, no one to clean existing duct work, no team of workers as promised. They arrived 2 hours late, had the wrong unit, had multiple problems and did only a partial In stall, they got air working, did not complete gas portion, left gas line open, they return the next day, to supposedly finish install everything."],"issue":["Problem with additional add-on products or services"]},"sort":[11.477337,"8623833"]},{"_index":"complaint-public-v1","_id":"18079299","_score":11.315055,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian responded to this compliant stating potential Fraud. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT CFPB Deletion Request Letter for XXXX Charge-Off Subject : Request for Investigation & Deletion Due to Inaccurate and Incomplete Credit Reporting XXXX XXXX To Whom It May Concern, I am filing this complaint because XXXX XXXX is reporting inaccurate, inconsistent, and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 623 ( A ). Account in question : XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX XXXX. XXXX is reporting inconsistent payment history ( ND mixed with CO ) The payment history on this account shows erratic and inconsistent reporting, including months marked as ND ( No Data ) immediately before and after months marked CO ( Charge Off ). Examples : ND reported in months where the account was already charged-off CO reported again after months with ND Gaps in reporting that do not align with a charged-off account A creditor must report information accurately and consistently, especially after a charge-off. ND mixed with CO is not consistent with a true charge-off timeline and creates confusion in my credit file. This violates FCRA 623 ( A ) ( 1 ) ( A ), which states that furnishers must not report information they know or have reasonable cause to believe is inaccurate. 2. The Status Updated date does not match the monthly data being furnished The account shows : Status Updated : XX/XX/XXXX However, payment history is still being furnished for dates up to : XX/XX/XXXX This is contradictory and misleading. This violates FCRA 607 ( B ) : the requirement to maintain maximum possible accuracy. XXXX. XXXX continues updating the balance monthly after charge-off Despite the account being charged off in XXXX, XXXX continues updating the balance updated field as recently as XX/XX/XXXX. A charged-off account should not show active monthly changes unless the consumer is actively paying which I am not. This inaccurate monthly updating makes the derogatory appear new, harming my credit more than allowed under FCRA. XXXX. The credit limit was increased after charge-off and during my dispute This is inconsistent and misleading. A creditor does not raise a credit limit on an account already in charge-off status. This appears to be additional inaccurate information being furnished during an active dispute. XXXX. The reporting is not consistent, complete, or accurate Because of : Mixed ND/CO reporting Status date not matching reported activity Balance continuously updated Incorrect credit limit reporting Irregular charge-off timeline This account is not being reported in a manner that meets the maximum possible accuracy requirement under the FCRA. For these reasons, I request : REQUESTED RESOLUTION I am requesting that the CFPB compel XXXX XXXX to either : XXXX. Correct ALL inaccurate and inconsistent reporting immediately, XXXX XXXX. Delete the account completely from my credit reports if XXXX can not furnish the data in a consistent, accurate, and verifiable format as required by FCRA XXXX ( A ) and XXXX ( B ). Given the multiple reporting irregularities, deletion is the only remedy that ensures compliance with the FCRA. \n\nATTACHMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nPotential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.","date_sent_to_company":"2025-12-16T17:35:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70403","tags":null,"has_narrative":true,"complaint_id":"18079299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-16T17:31:35.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \n\nWe will review your complaint."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[11.315055,"18079299"]},{"_index":"complaint-public-v1","_id":"2542429","_score":10.624337,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was the victim of identity theft which I repor ted in XX/XX/XXXX . I received the assistance/guidance from XXXX from the Identity Theft Resolution Department, a service which I pay USAA monthly for. I followed all instructions as provided by USAA, filing reports with the FTC and XXXX Police Department and provided USAA with all requested case numbers. It took USAA quite a while to correct the fraudulent billing errors as they were on multiple USAA credit cards, during which time their agents repeatedly reported the same c ase multiple times instead of updating the existing case. In the end I had to get help from someone in the CEO 's office who got everything corrected. I received letters stating the credits were now permanent and the the investigation had been concluded in my favor. Despite being against consumer protection and way beyond the 90 days allowed by law to finalize any billing dispute as allowed by law in XX/XX/XXXX more than 12 billing cycles later, without any notice, documentation or explanation USAA has charged me back for all the \" permanent credits '' on only one of my affected credit cards. USAA has refused to provide any explanation, information or documentation for the charges despite my repeated requests. I have been told USAA re-investigated the case on my XXXX XXXX Card only because because of a new fraud claim opened on my debit card. One which was only opened because the USAA agent I spoke with was unsure how to open the claim from my utility company charging me for someone else 's bill. It was under USAA 's guidance and suggestion that the new claim be processed as fraud. Now because of their own suggestion they have charged me back without notice or reason on an unrelated credit card despite the new claim being investigated and found in my favor. To make matters worse, USAA has begun taking adverse action against me with out providing any notice as required by law. Not only have they limited access to my credit card in question, but they have limited my access to all my accounts I currently have with USAA. I am unable to pay my bills, view the balances of my checking, credit, investment, auto loans, insurance accounts, transfer funds, access my insurance statements or policies. I am unable to view or respond to messages fro m USAA, or even access my funds electronically in any of my accounts. USAA has als o made several reports to the credit reporting agencies regarding the disputed charges which has lowered my overal credit rating. Even though legally USAA is required to provide notice prior to taking any adverse action, and legally not allowed to take adverse action while an account is being disputed I never received any advance notice or documentation of ANY kind despite repeated requests and phone calls regarding any of these actions. Additionally, I have made repeated attempts to conta ct USAA regar ding these many problems. Most recently I left multiple voicemail 's for XXXX in the CEO 's office. Finally on XX/XX/XXXX , weeks later I received a call which went straight to my voicemail from XXXX , I attempted to contact her immediately but was sent straight to voicemail. At which time I called the CEO 's of fice and spoke with XXXX , who informed me XXXX was currently on another call, but would have her call me back ASAP. It is not after hours o n XX/XX/XXXX me aning the bank is closed until Monday XX/XX/XXXX and I have yet to receive any accessible form of communication from XXXX . I have been calling and trying to get these many issues and violations of my legal rights corrected as I need to pay my other bills for a month now. USAA has effectively without notice, cause or justification effectively put a strangle hold on my finances preventing me from being able to pay any of my bills, view or access any of my accounts which will begin causing massive penalty fees and destroy my credit rating even further than they have already. USAA 's refusal to this day to adhear to the legally alloted time frame for billing disputes, violation of documented notices and agreements provided by USAA, provide any notice, documentation, respond or communicate to my requests in a reasonable or timely manner, in addition to taking adverse action on my credit report, affected card and every other USAA accounts has violated multiple consumer protection laws","date_sent_to_company":"2017-06-12T18:28:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"2542429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2017-06-10T00:11:28.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["It took USAA quite a while to correct the fraudulent billing errors as they were on multiple USAA credit cards, during which time their agents repeatedly reported the same c ase multiple times instead of updating the existing case. In the end I had to get help from someone in the CEO 's office who got everything corrected. I received letters stating the credits were now permanent and the the investigation had been concluded in my favor."],"issue":["Problem with a purchase shown on your statement"]},"sort":[10.624337,"2542429"]},{"_index":"complaint-public-v1","_id":"16280353","_score":10.271618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN NON-COMPLIANCE NON-COMPLIANCE EXPERIAN NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE EQUIFAX NON-COMPLIANCE CFPB NON-COMPLIANCE TRANSUNION. \n\nTHIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX NOT A DUPLICATE DISPUTE AI!! ! XXXX EXPERIAN NEVER DID A INTERNAL INVESTIGATION INTO THIS MATTER, EXPERIAN JUST CLOSED MY CASE WITHOUT LETTING ME RESPONDE. \n\nSO I COPIED AND PASTED EXPERIAN 'S RESPONSE. \nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened? \nTRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nTRANSUNION CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX Clan ) XXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company CONSUMER FINANCE PROTECTION BUREAU Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Retired Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXXo company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. \nPotential fraud Status Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \n\nWhat do I do? \n\nYou can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. \n\nXXXX XXXX XXXX XXXXXXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. \n\nYou can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at USA.gov Scams and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXXXXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-09-30T22:47:07.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16280353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-30T22:46:42.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened?"]},"sort":[10.271618,"16280353"]},{"_index":"complaint-public-v1","_id":"16281991","_score":10.262049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN NON-COMPLIANCE NON-COMPLIANCE EXPERIAN NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE EQUIFAX NON-COMPLIANCE CFPB NON-COMPLIANCE TRANSUNION. \n\nTHIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX NOT A DUPLICATE DISPUTE AI!! ! XXXX EXPERIAN NEVER DID A INTERNAL INVESTIGATION INTO THIS MATTER, EXPERIAN JUST CLOSED MY CASE WITHOUT LETTING ME RESPONDE. \n\nSO I COPIED AND PASTED EXPERIAN 'S RESPONSE. \nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened? \nTRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nTRANSUNION CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX Clan ) XXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company CONSUMER FINANCE PROTECTION BUREAU Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Retired Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXXo company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. \nPotential fraud Status Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \n\nWhat do I do? \n\nYou can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. \n\nXXXX XXXX XXXX XXXXXXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. \n\nYou can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at USA.gov Scams and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXXXXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-09-30T22:47:10.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16281991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-30T22:46:42.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened?"]},"sort":[10.262049,"16281991"]},{"_index":"complaint-public-v1","_id":"2627265","_score":9.773363,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am having a problem with my credit card account with XXXX XXXX XXXX. I have a consumer credit card account with them and on XXXX XXXX of 2017 I transferred {$1200.00} of my balance on that account to my XXXX XXXX credit card account at 0 % interest for one year on the balance transfer. On XXXX XXXX the transaction cleared on XXXX XXXX 's books and showed as a {$1200.00} debit on my account from XXXX XXXX XXXX. However, as of X/X/2017 at XXXX eastern time on my Discover account summary there was no entry for a credit of {$1200.00}. The {$1200.00} is still on XXXX XXXX 's books at the SAME time it is on XXXX XXXX 's books. It 's been on Discover 's books for ONE WEEK. XXXX transfers take about 1 to 2 days so how can Discover account for it still being on their books billed to my account? I called Discover and asked this question. I spoke to a XXXX \" XXXX '' and she said that they do not see any transaction entered by XXXX XXXX for this transfer. I asked if she could put that in writing and send it to me. She said she could not. I then asked if she could escalate this to her supervisor. She did. I asked her supervisor, XXXX \" XXXX '' and she said they do not have a process for this. I was very animated at this point as this is completely improper. I explained to XXXX XXXX that I did a similar transaction with XXXX XXXX and that showed up properly on the books of both XXXX and XXXX XXXX with the transaction clearing at XXXX XXXX on the XXXX and at XXXX on XXXX XXXX ; which is a typical XXXX transfer. I then said basically ( I am paraphrasing here ) \" one week plus to clear a swift transfer? This is XXXX! I suddenly owe with interest {$1200.00} to Discover out of thin air??? '' Either XXXX XXXX is lying and entering a balance onto their books they never received or Discover is lying and are not showing the balance transfer on their books. Folks, I suspect someone is padding their balance sheet here. And I can imagine why. I have been inundated with 0 % balance transfer offers. And to me this is a financial instrument I want to use to pay off existing balances with a lot more ease. They make money off the fees. They take the risk. Why not? Why should XXXX XXXX and XXXX XXXX over at the XXXX and their bankster pals get ZIRP and shmucks like us get 14 % amd 26 %. So as a responsible consumer I took advantage of this offer to manage my debt by spreading out the payments at 0 % and using my earnings productively during that time period to invest in hard assets or just save it as a cash reserve. And these XXXX at Discover do n't put the transfer and leave it on their balance sheet for a week? XXXX did so why did n't they? And then I ask myself : how many other poor shmucks are they doing this to and how much does that add up to as an inflated valuation on their balance sheet? Is it a one time thing just on my account or are these clowns doing this over a whole bunch of balance transfers? You guys can look into that part if you want, because if you ask me, I smell a rat. But what I really want you to help me with is this {$1200.00} Discover is trying to XXXX me on. They basically said in a more polite way \" XXXX you, talk to XXXX XXXX ''. Needless to say that sent me to the moon, but there is not much some low level employee of Discover can do about it. And I am not some big shot with millions in an account at some investment bank. I was basically venting and spitting in the wind. I did get them to agree to escalate it to executive support regarding them putting it in writing that they never got the balance transfer request from XXXX XXXX. Basically they would put in writing that they think XXXX XXXX are deadbeats. Fat chance they 're going to do that. So finally I called XXXX XXXX but their Account Specialist desk was the only authority that could deal with the problem and they were closed for the evening. However, the rep I did speak to was very helpful and confirmed that the transfer from Discover was legit. It did clear and they got the money from Discover. They also said they would pursue an investigation if I called tomorrow. On the other hand that Discover was NOT helpful and told me to basically get lost says a lot about what 's going on here. Now I figured the only think I have left to turn to for help is your agency. Which is why I am filing this complaint with the CFPB since as feds with the authority to investigate shenanigans by the banks and other lending institutions, you 'd have some muscle and can lean on Discover a lot harder than XXXX XXXX can lean on them. At this point I am also about *this* close to calling my attorney as well and see what advice he has. The way I see it someone is either grossly negligent or committing a willful act of fraud on their books. Either way I am getting screwed here and I am mad as XXXX about it. Sincerely, XXXX XXXX XXXX ... a fed up consumer. Fed up with the banksters. And just plain fed up. PS : You know all this 0 % balance transfer madness by the banks is a canary in the coal mine and this is n't going to end well. They 're all doing it. Credit is squeezed. So they 're robbing XXXX so XXXX can shore up their balance sheets. And I am getting the sense that the lending institutions with weak balance sheets are in panic mode. Discover may be one of the weak antelopes in the herd when the bond vigilantes and short sellers come out of their graves like XXXX XXXX XXXX XXXX XXXX. It 's one big fat mother of all bubbles, the systemic risk is higher, the connections exponentially more complex, and the impact far greater. It 's going to be the XXXX crisis and credit freeze on steroids, except this time the nit wits in the XXXX, XXXX and XXXX that made the problem worse are out of ammo. Everything they know is wrong. And so are their models and their policies. And just look at all the stinky piles of XXXX on the Fed 's books from the money printing and spending spree on garbage securities of the past 9 years. With all that they wo n't be able do a thing to keep the whole Ponzi scheme from unraveling. Pay off whatever debt you can as fast as you can folks. That 's what I am doing. Or at least am trying to do if Discover would just honor my transaction!","date_sent_to_company":"2017-08-16T11:30:43.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"2627265","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2017-08-05T05:06:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["And to me this is a financial instrument I want to use to pay off existing balances with a lot more ease. They make money off the fees. They take the risk. Why not? Why should XXXX XXXX and XXXX XXXX over at the XXXX and their bankster pals get ZIRP and shmucks like us get 14 % amd 26 %."],"issue":["Problem with a purchase shown on your statement"]},"sort":[9.773363,"2627265"]},{"_index":"complaint-public-v1","_id":"10540795","_score":9.691162,"_source":{"product":"Credit card","complaint_what_happened":"Re : Bank of America Claim number XXXX XXXX XXXX I am a victim of criminal activity on my preferred rewards card XX XXXX. XXXX a XXXX XXXX XXXX member since XXXX, have spent XXXX XXXX XXXXXXXX dollars on this card and have never made a claim before. I am also a XXXX customer with significant holdings. Initially I assumed it was an error but now it is clear that it was a con perpetrated by the driver. Here are the details of the con : XXXX ) On XX/XX/XXXX my wife and I took a taxi from XXXX XXXX to the XXXX XXXX XXXX, a distance of XXXX miles. \nXXXX ) At the XXXX airport there is a system where you use a kiosk to order a taxi. An attendant helped us use the kiosk which indicated a fixed price for the trip, XXXXXXXX XXXX or {$58.00}. I took a photo of the kiosk which I have sent you. The kiosk order # XXXX indicated the XXXX Kr, gave me the taxi number ( XXXX ), the taxi License plate ( XXXX ) and the drivers phone number ( XXXX ). \nXXXX ) Upon arrival at the hotel the driver told me XXXXXXXX XXXX and reached over to the back seat for me to sign the hand held credit card device which appeared to show XXXXXXXX XXXX. He gave me the receipt clearly showing XXXXXXXX XXXXr. It is in XXXX which I do not speak. The top shows the company as XXXX XXXX XXXX. ( attached ) XXXX ) A few minutes after entering the hotel I received the usual text from BOA indicating a charge of {$580.00}, exactly ten times the amount it should have been!!! Since it was exactly XXXX times the correct amount I assumed it was an error. Within minutes of receiving the text I called BOA and told them the amount was obviously incorrect, a XXXX mile taxi ride is not {$580.00}!!. The BOA operator said they would note the account and said I should first call the taxi company to see if they could fix the problem 5 ) Since I dont speak XXXX I asked the hotel concierge, XXXX XXXX XXXX the third witness to the fraud after myself and my wife, his telephone number XXXX XXXX XXXX ), to call the taxi company. He called the XXXX XXXX XXXX ( which in retrospect was not the real taxi company which perpetrated the fraud ) and they said they would investigate. Over the next three days he continued to follow up with XXXX XXXX XXXX but received no resolution ( of course, since they were not the perpetrators of the criminal activity and had no record of the transaction ). \nXXXX ) After XXXX days we left XXXX to continue our vacation. Upon return to Texas I immediately followed up Bank of America. Sending copies of the receipt and a photo of the airport kiosk information. \nXXXX ) BOA received my inquiry ( at this time I still assumed it was an error ) and began their investigation. BOA issued a temporary credit to my card on XX/XX/XXXX for {$520.00} ( the difference between the fraudulent amount charged {$580.00} and the amount it should have been- {$58.00} ). \nXXXX ) BOA followed up with the merchant of record on the system, the perpetrator of the fraud ( XXXX XXXX XXXX zahreddine taxi company- phone number XXXX ) who produced a signed receipt for XXXXXXXX XXXX. On XX/XX/XXXX was I was informed that I was being charged back {$540.00} ( as an aside, this is {$12.00} more than my temporary credit??? ). \nXXXX ) The next day I called BOA and had a long discussion with XXXX from existing claims, a XXXX research XXXX. XXXX pointed out that the receipt I was given was from a completely different taxi company. She also pointed out that there was no credit card information on the receipt. I told her that naturally I didnt notice the details of the receipt other than the big XXXXXXXX XXXX since it was all in Norwegian, and secondly, I would have had no way of knowing the name of the perpetrator ( Rolling XXXX XXXX ) at the time of the transaction. It then became immediately clear that this was not an error, but an intentional criminal con, perpetrated on an American tourist!! XXXX said she understood and would send my case to the escalation department. On XX/XX/XXXX BOA sent me a letter saying my claim had been re-evaluated and they are permanently crediting me {$520.00}. Today I received a letter reversing that decision, saying they would not credit my account. I called them again and they said there is nothing they are willing or able to do. They refuse to reach out to the taxi company 's financial institution to verbally discuss this criminal activity- they will only send electronic inquiries through the regular process. \n\nIn summary : XXXX ) I am a victim of a crime committed by the driver of XXXX XXXX zahreddine. \nXXXX XXXX Bank of America has been given the drivers taxi number ( XXXX ), the taxi License plate ( XXXX ) and the drivers phone number ( XXXX ) from the kiosk photo. \nXXXX XXXX Bank of America has the information for the taxi company, XXXX XXXX, who is complicit in this crime. \nXXXX ) I informed BOA of the erroneous charge minutes after it occurred, yet BOA funded the crooked merchant anyway. I understand that this is because BOA only had the electronic transaction information received from the merchant- I, nor BOA XXXX not then understand this was intentional fraud. \nXXXX ) Now that it is clear that this was criminal activity and not an error, my expectation is that BOA charge back the merchant ( after contacting them and discussing the con- the first thing to mention to them to prove this obvious fraud is to point out that the XXXX miles taxi ride is a set price of XXXX Kr, not XXXX!! ) and issue a permanent credit my account for the disputed amount ( {$540.00} ). \nXXXX ) I would suggest the crime be reported by BOA to the XXXX Police department, as well as the XXXX XXXX in XXXX ( since this is a crime against a XXXX tourist, which is likely a reoccurring con committed by this company ). \nXXXX XXXX XXXX Bank of America does not credit my account and charge back this crooked merchant than they are abetting theft and condoning criminal activity. \n\n\nRe : Claim number XXXX","date_sent_to_company":"2024-10-22T16:39:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"77450","tags":"Older American","has_narrative":true,"complaint_id":"10540795","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-10-22T16:06:24.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX was I was informed that I was being charged back {$540.00} ( as an aside, this is {$12.00} more than my temporary credit??? ). \nXXXX ) The next day I called BOA and had a long discussion with XXXX from existing claims, a XXXX research XXXX. XXXX pointed out that the receipt I was given was from a completely different taxi company. She also pointed out that there was no credit card information on the receipt."],"issue":["Problem with a purchase shown on your statement"]},"sort":[9.691162,"10540795"]},{"_index":"complaint-public-v1","_id":"3213038","_score":9.477834,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/XXXX - Our XXXX XXXX truck broke down near XXXX, XXXX, approximately four hours away from home. It was towed to XXXX XXXX XXXX for repair. Discussions with XXXX at XXXX XXXX were to diagnose and repair the problem, investigating the lift pump first. We informed them of a 10 day vacation, using the truck, we had planned for XX/XX/XXXX. \n\nXX/XX/XXXX - After no word from XXXX XXXX, we called for an update. They said they would not get to the truck until next week. As the seal is the most common cause for the symptoms the truck was displaying, we preemptively ordered the correct seal to be delivered to them just in case. \n\nXX/XX/XXXX - After no word from XXXX XXXX, we called for an update. While they had not attempted any real diagnosis, they had recently received a seal and were planning to try it to fix the problem. \n\nXX/XX/XXXX - XXXX XXXX called and said that they investigated and determined that the problem was with the Injection Pump. They attempted to replace the seal on the pump but when that did not work they replaced the entire injection pump ( available for {$800.00}, they charged us {$1600.00} for this part ). This part had been replaced approximately 25,000 miles ago so we were surprised to hear that this was the problem. We suggested the lift pump could be the problem but they assured us that they had looked at it and could not see any fault. \n\nXX/XX/XXXX - XXXX XXXX told us the truck would be ready the morning of XX/XX/XXXX. We drove the 4 hours north to pick up the truck. \n\nXX/XX/XXXX - ( XXXX ) The truck was not ready but they finished the repairs while we waited. \n( XXXX ) They charged us {$2600.00} for this repair. We paid, left with the truck and began driving home. Approximately 15 miles south of the mechanics location the truck broke down again with the same problem. \n( XXXX ) It was towed back to XXXX XXXX XXXX. \nWe cancelled our vacation. \n\nNearly a month passes with no word from XXXX XXXX. \n\nXXXX/XXXX/XXXX - We called XXXX XXXX asking for a status on the repair and they told us they decided to send the truck to another mechanic who specializes in diesel engines, an additional 45 minutes away. \n\nNearly another month passes with no word from XXXX XXXX. \n\nXX/XX/XXXX - We called XXXX XXXX asking for a status on the repair and they told us it had been moved to the new mechanic and had been repaired. XXXX XXXX did not take responsibility for the misdiagnosed repair or offer to return any portion of our money. \n\nXX/XX/XXXX - We called the new mechanic, XXXX XXXX in XXXX, CA, and they told us the truck had been fixed. After a simple and inexpensive pressure test, they determined the problem was with the lift pump, a part XXXX XXXX assured us was not the cause. \n\nXX/XX/XXXX - We drove the 5 hours up to XXXX to pick up the truck. It was determined that the lift pump was indeed bad. The repair cost was {$1300.00}, for a new lift pump and a new seal in the injection pump. \n\nThe work order at XXXX XXXX was in XXXX XXXX name as they asked them to take over their existing job. Unfortunately, XXXX required that we pay this bill before leaving with our truck. Prior to paying the bill, we called XXXX at XXXX XXXX to try and work with them to cover the cost. The conversation was civil, but XXXX would not take ownership of his mistakes, or work with us in any way. He refused to pay for the work order he submitted to XXXX. \n\nXXXX confirmed that while the lift pump was blowing the seal on the injection pump, the injection pump itself would not have gone bad because of the problem. The injection pump XXXX XXXX replaced was not bad, it only had 25k miles on the rebuild. Only the seal needed replacement. \n\nThere are a couple of things XXXX could have done to prevent this situation : A simple pressure test on the original lift pump would have confirmed that indeed that was the problem ( they did not perform this test ). It was the FIRST thing XXXX did. \nStop. While they were trying to do their best to help, they should have stopped when they didnt have the right tools to do the job. This cost everyone time and money on replacing a part we didnt need. \n\nWe were extremely patient and cooperative throughout the whole process, but waiting nearly two months for them just to move the truck to another mechanic is beyond a reasonable time frame. XXXX XXXX charged us a large amount of money yet failed to make any improvement to the original problem. And to add to our costs, we lost a vacation, had to take time off of work to accommodate shop hours , drive even further, and pay more money, to get the truck back. For these reasons, we are requesting a chargeback for the {$2600.00} they took for the ineffective repair. \n\nComments below are correspondence since the initial request to chargeback : XX/XX/XXXX - XXXX letter of resolution : that XXXX XXXX cover XXXX bill ; by doing so, we will send them the difference ( as chargeback had already occurred ) and clear any issues with Citi. \n\nXX/XX/XXXX - Upon signing in to our Citi account, saw that the XXXX XXXX chargeback had been reversed. We received no letter, or email communication on this matter. We had received a letter from Citi saying our email wasnt working, but we have had emails from other senders, so are not sure what the issue is, other than it must be on their end. \n\nXX/XX/XXXX, XXXX - called Citi about above communication issue, she made a note that we were having communication issues, and should be able to get a rebuttal in by the new year. \n\nXX/XX/XXXX, XXXX - emailed rebuttal to Citi XX/XX/XXXX - Citi closed our dispute citing a quality issue ( we did not receive an email, nor did we see this until logging in on XX/XX/XXXX XXXX XX/XX/XXXX - called XXXX XXXX spoke to XXXX XXXX talked him through everything, reiterated last rebuttal email and he reopened the dispute with a different purpose as he thought it was more appropriate. Reopened under services not as described I noted we were only looking for the XXXX amount to be covered, we are not out to XXXX XXXX XXXX. \n\nXX/XX/XXXX - called XXXX after receiving an email for updated correspondence today. ( online correspondence was dated 1/10 and noted that they were closing the dispute due to it being outside the time frame window ). The first call was around 2pm when they told me that the dispute was closed due to quality of work not being something that can be disputed. Unfortunately, I failed to recall that this was the initial reason for the dispute and not the updated one. I called back around XXXX and was told first that they hadnt received an update from the XXXX, so when I mentioned the letter, XXXX reversed her statement and said that it was indeed because it was outside the window. As this was not our fault, I asked to reopen and she said they had the investigator has the final word and that it was closed. I asked to speak to a supervisor as the communication issues were on Citis end, and out of my control. I should be getting a call in XXXX hours. XXXX did offer a {$200.00} credit plus {$100.00} cash back to help offset the disputed charge. We should absolutely be within the reasons of quality of work not described as they didnt fix the problem. Once again I noted that we are not out to screw them, just want the XXXX amount back. \n\nXX/XX/XXXX - Citi Dispute Supervisor XXXX called me early afternoon. He has confirmed that they are indeed still investigating the partial chargeback ( for the XXXX bill amount ) under the revised service as not described appeal. He said they have reached out to XXXX XXXX who has until either XX/XX/XXXX or XX/XX/XXXX, it was hard to hear, to respond. One concern is XXXX claims a letter sent to me about this, and I have no record of it either physically or electronically. \n\nXX/XX/XXXX - called Citi to follow up as havent seen anything via mail/email/online about the follow up dispute. Rep ( XXXX? ) that I spoke to said all was closed until I mentioned the XXXX conversations and then she said there was a note about that. So we connected with a Supervisor XXXX XXXX ( Sr Account Manager ), who is filing a complaint about the XX/XX/XXXX call and investigating as it shouldnt have happened that way. He said because they didnt receive any signed authorization letter from us ( never sent/emailed by citi ) they couldnt investigate it under the new reason ( that would allow them to call XXXX to have them verify that XXXX XXXX didnt do the job they should have and been able to do ). So we are past the date. He has extended a {$100.00} cash credit and a {$100.00} refund on our card for troubles/mea culpa ( cant remember the words he used ) - I accepted only under the premise that it doesnt affect the potential for us to receive the full credited amount. \nNext move : Supervisor will review the calls, etc, and follow-up with me about any further info. \n\nXX/XX/XXXX - follow-up call as hadnt heard anything. XXXX emailed XXXX XXXX about re-opening the case, but only he can do as I accepted the XXXX XXXX+XXXX refund. I mentioned that I only agreed to that money if it didnt affect me re-opening and receiving the larger amount. XXXX said to expect a phone call from XXXX and that she would do a follow up too. \n\nXX/XX/XXXX - No follow ups from Citi as of yet. Emailed follow up to XXXX XXXX XXXX via billingdisputes email ) with the XXXX receipt and another plea for them to make things right and refund us the XXXX amount. \n\nXX/XX/XXXX, XXXX - No follow ups from Citi as of yet. I called ( specifically to speak to XXXX XXXX ) and spoke to XXXX ( after a 40 minute hold while they transferred me to the US branch ). Then to XXXX in XXXX, and after an additional 10 minutes was told to expect a call from XXXX in 24-48 hours as he was on another call and I wouldnt speak to anyone else as he has the history. XXXX said I promise he will call. I provided my cell for him to call as they had my work number. \n\nXX/XX/XXXX - no phone call from Citi as of yet. \n\nXX/XX/XXXX - never received the call back from XXXX XXXX. Received followup mail ( in the last few days ) dated XX/XX/XXXX claiming the dispute is closed and they cant do anything about it. And I will need to sue other means to obtain credit.","date_sent_to_company":"2019-04-16T00:21:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94501","tags":null,"has_narrative":true,"complaint_id":"3213038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-04-15T23:51:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX XXXX charged us a large amount of money yet failed to make any improvement to the original problem. And to add to our costs, we lost a vacation, had to take time off of work to accommodate shop hours , drive even further, and pay more money, to get the truck back. For these reasons, we are requesting a chargeback for the {$2600.00} they took for the ineffective repair."],"issue":["Problem with a purchase shown on your statement"]},"sort":[9.477834,"3213038"]},{"_index":"complaint-public-v1","_id":"13407147","_score":9.472051,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a late payment record history reported to the credit bureaus on my account with TD XXXX XXXX XXXX XXXX XXXX . This late payment in XXXX XXXX as more than XXXX late was the direct result of significant changes to TD XXXX XXXX XXXX XXXXXXXX account and XXXX XXXX XXXX, and the impact and details of which were not properly communicated to me as a customer. \nXXXX. In late XX/XX/XXXX, TD XXXX XXXX XXXX XXXX XXXX implemented changes to its payment processing systems, moving from the My Online Account ( XXXX ) system/platform to My TD XXXX ( XXXX ). \nXXXX. On XXXX, XXXX I received an email notification that TD Retail cards and my XXXX XXXX account would be moving to a new system XXXX with a new Logon link to the new system. The email noted : WHATS Next : As we get closer to completing our system upgrade, we will provide any updates or important information by email, on your billing statement and on our Cardholder Resources page. We're working hard to minimize any disruptions and ensure this transition is as seamless as possible. \nNOTE : A copy of this and other email notifications is attached to this letter as supporting documentation. \nXXXX. On XX/XX/XXXX, an email notification was sent to customers informing that : IMPORTANT : The websites you currently use to log into your account XXXX and XXXX will no longer be available after XX/XX/XXXX. \nWHAT YOU NEED TO KNOW : From XX/XX/XXXX through XX/XX/XXXX, online account management will be unavailable. If you have a payment due during this period, please schedule your payment in advance or call XXXX make a one-time payment via our automated system. \nXXXX. There was NO notification that move to the new system would impact existing payment methods and Automatic Payments and require customers to re-register their payment methods and set up automatic payments anew, as well as other account management details such as notification alerts for late/missed payments etc. None of the communications sent me as a customer via email or otherwise, or on the website linked in the email communications provided this significant and important further information on the change. \nXXXX. The Only mention of any payment impact was during the dates of XX/XX/XXXX to XX/XX/XXXX in the XX/XX/XXXX notification email : During which time If you have a payment due during this period, please schedule your payment in advance or call XXXX make a one-time payment via our automated system. \no There was NO mention of other impacts, that existing payment setup and account settings would not be migrated/transferred to the new system and any requirements to re-register for payments including Automatic Payments and account notifications etc. \nXXXX. There was No clear information provided by TD XXXX XXXX XXXX on the details changes and any requirements for customers beyond registering for an account in the new system was provided in these notification emails and communications from TD Retail Card Services and the information page link provided for further details/learn more ( a copy of the website and the email notifications are attached to this letter as supporting evidentiary documentation ). \n\nUnfortunately, as a result of this lack of clear notification of changes by TD XXXX XXXX XXXX and the subsequent failure to re-register my automatic payments in the new system, and notify of a requirement to re-register payment accounts and re-setup Automatic Payments a payment was missed which I was not made aware of until it was more that 30 days past due, leading to a late payment record being reported to the credit bureaus. This has adversely affected my credit score and financial standing.\n\nIn accordance with the Consumer Financial Protection Bureau 's Truth in Lending Act ( Regulation Z ) : 1026.9 - Subsequent Disclosure Requirements, credit card issuers are required to provide timely and clear disclosures about significant changes to account terms, including payment systems. The failure to clearly notify me of these changes and requirements including those that impact payments constitutes a violation of this regulation.\n\nFurther, 1026.10 ( f ) Changes by the card issuer, states credit card issuers are required to notify consumers of significant changes to their systems that affect payment processing. Additionally, if such changes result in a late fee or finance charge, the issuer must waive or remove the fee or charge, or credit the consumer 's account in an amount equal to the fee or charge.\n\nReference 1026.10 ( f ) of the Consumer Financial Protection Bureau 's Truth in Lending Act ( Regulation Z ) : ( f ) Changes by card issuer. If a card issuer makes a material change in the address for receiving payments or procedures for handling payments, and such change causes a material delay in the crediting of a payment to the consumer 's account during the 60-day period following the date on which such change took effect, the card issuer may not impose any late fee or finance charge for a late payment on the credit card account during the 60-day period following the date on which the change took effect.\n\nI have provided copies of the various email notifications from TD XXXX XXXX XXXX XXXX XXXXXXXX and the transition webpage page as supporting documentation of the failure to provide clear disclosure and notification of changes to the account and payment management systems, including failing to notify customers that customers will be required re-register their payment methods and set up automatic payments anew, as well as other account management details such as notification alerts for late/missed payments etc. \nThese communications Stated Only : We're working hard to minimize any disruptions and ensure this transition is as seamless as possible. Without any other required significant information on the impact of the change to payment methods for customers, including Automatic Payments and account management alert settings etc. These significant details should have been provided in accordance with the Truth in Lending Act ( Regulation Z ) : 1026.9 and 1026.10 with at least 45 days notice.\n\nI have NEVER had any payment late 30 days or more in my credit history with ANY account and always been diligent in managing my financial obligations. As a loyal customer, I have always taken great care to ensure timely payments on my account since opening my XXXX XXXXTD XXXXXXXX XXXX account in XX/XX/XXXX I have experienced ongoing issues with Auto Payment processing with the older myonlineaccount.net system that resulted in payments not being properly processed by TD Retail XXXX XXXX as scheduled. This was confirmed on multiple occasions with TD agents with whom I spoke with to understand the issues in the past 18 months, resolve and correct to withdrawal from my TD Bank checking account. Agents helped to both edit and/or remove and re-add the TD Checking account directly on multiple occasions because they could see this was an error on TDs system which had failed to attempt to take the payment from my TD bank account, despite all the details being correct. The last time the agent still could not explain why this had been happening. You will find all these problems and agents assisting to correct the issues on TD Retail Card systems noted on my account history. \n\nI have directly contacted the lender in writing with a letter including these details and supporting documentation. The response received was that they completed their investigation and not changes have been made. There was not information specifically regarding the late payment history record from XXXX and my supporting documentation and statements that they failed to provide proper notification to consumers such as myself of the change impact on payments including automatic payments and account management alerts and that customer need to take important action to re-setup payment accounts and automatic payments to avoid payment issues. They provided no supporting information to demonstrate that they had in fact provided such required detailed information to customers. Attempts to call directly and speak to anyone in the Dispute department results and endless call transfers and told you must mail a dispute. I have not been able to speak with a supervisor or anyone regarding the issue being disputed and why they will not remove the late payment /miss payment history record.","date_sent_to_company":"2025-05-08T22:15:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"13407147","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-05-08T21:24:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["You will find all these problems and agents assisting to correct the issues on TD Retail Card systems noted on my account history. \n\nI have directly contacted the lender in writing with a letter including these details and supporting documentation. The response received was that they completed their investigation and not changes have been made."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[9.472051,"13407147"]},{"_index":"complaint-public-v1","_id":"3822641","_score":9.434068,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"PLEASE REFER TO THE FULL DETAILS WRITTEN WITHIN 1-65 PAGES PDF INCLUDED THIS WILL BETTER EXPLAIN WITH FULL LENGTH DETAIL. \nHi my names XXXX XXXX and I wanted to first thank you for your time, consideration, and care over my list of valid complaints and regulatory/law violations that I now have unrefutable proof to support my claims in and of their entirety. I also would like to apologize for any ranting ahead of time seeing as how I am still trailing a severely excrutiating amount of frustration, disgust, and disgruntlement over the way I have been mistreated and uncared for by Carvana, XXXX in house lender with carvana, and their warantee company XXXX XXXX. So much so that it is absolutely disappointing/disgusting at best, and highly unethical, illegal, and potentially even criminal at worst given my valid plethora of proof and takeaways thru my experience with doing business with Carvana, XXXX, XXXX XXXX, and its representatives. My complaints surround mainly Carvana LLC, but also its in house lender XXXX, and its affiliate XXXX XXXX handling their XXXX XXXX, and the many lending laws companys like Carvana LLC and its in house lender are bound to follow and ensure proper escallation guidelines are in place and exhausted to properly document, resolve, and/or to prevent overt impacts being brought onto their clients. These Laws and regulations violations I am claiming Carvana clearly, intentionally, and severely violated without a doubt being UDAAP Unfair Deceptive Acts and Practices, Truth in Lending laws/regulations, Consumer Financial Protection Act and Dodd-Frank Act, Equal Credit Opportunity Act ECOA, and AZ Lemon Laws. To start I will explain from the beginning to paint the best picture in which i have supplied all dates within my communications, pictures, contracts, original sales page, 150 pt inspection list, car fax, and the many more files included in my large pdf compiled. I also have the recording of the over the phone conversation XXXX had with me clearly stating the negative input of the XXXX mechanic given the vehicles current state and expected future, highly expensive, major unaddressed complications to expect thereof especially with the type of problems incurred now occurring so early in the vehicles life at this time per XXXX XXXX mechanic inspection. Repairs so far known as immediately needed are a new radiator fan and new AC Compressor for clarity. XXXX mechanics also agree that this vehicle is and was sold to me as one heck of a Lemon for lack of better phrasing per the mechanics way of putting it into terms. Non the less I will explain to the fullest and in its entirety regarding the situation and the nature of the specific violations they have committed within carvana LLC, XXXX, and in connnection XXXX XXXX negligenty and intentionally without a care of the harm and/or hazards brought and done onto me, my family ( wife and daughter XXXX years old ) and onto others alike with potentially lower than perfect credit many of whom share similar experiences as my own per online reviews and social media posts discovered. Whereas I am not in a position to fight the complaints of others, but I'm led to believe out of the actions and carelessness willfully taken by and exhausted by Carvana, XXXX, XXXX XXXX, and their employees in additon to the experiences Ive had and documentation thereof to support such complaints that Carvana, XXXX, and XXXX XXXX may be conspiring to commit CONSUMER FRAUD on a grand scale to do the same if not similar acts to impact the masses of less than perfect credit customers and in doing so leaving an overbearing burden on their clients and other local businesses sharing similar market interests. Mind you I am now outside of the 7 day return period and even with a slight 2 day extension granted as a result of the vehicles pre existing mechanical issues which took me to XXXX XXXX XXXX and my vehicle is still in the shop without the greenlight from XXXX XXXX XXXX to approve the work to be started. Now the vehicle has been in the shop for a severly unreasonable amount of time since monday XXXX after sitting in the parking lot unmoved all weekend at my apartments since pickup Saturday XXXX and I only got to test drive it home approx 15 miles only to discover the overheating issue while A/C is running which is beyond the engine noise issue only acknowledged as an issue by me and carvana rep at time of pickup leading to the ASR Report filing by the agent of carvana to enable the fixes that havent been approved causing me to lapse on my return period. All the while they had plenty of time and knowlege of the work to be done by XXXX mechanic inspection but have yet granted the approval to start the actual fix. With this just being the tip of the iceberg please allow me to fully explain so you take away the best picture as to how all this truly came to be and you will see by the end that invevitably an investigation into their lending practices and regulatory obedience is absolutely neccessary to uncover how large the previously mentioned conspiracy to commit CONSUMER FRAUD on a grand scale is and has been within Carvana, XXXX, and their associated Warantee Company XXXX XXXX as I suspect given how everything happened so far. Sadly this is my first and my worst certified used car purchase experience whereas I have had better luck with vehicles purchased in my younger years thru private parties with over XXXX and they even lasted longer than the XXXX of a Lemon they falsely advertised and sold me the private party vehicles previously noted survived longer and with less work if any ever needed beyond oil changes and similar common maintenance. This brings me to my next point which the XXXX XXXX mechanics feel is all i should have to worry about is common maintenance oil change brake changes etc even with this XXXX XXXX age and mileage. Knowing my claims and knowing very well the Laws described as a banker whom previously originated loans for majority of my banking career myself and having to exhaust measures to comply and if needed escalate and document day over day in my own job I refuse to be played as a fool and taken advantage of by Carvana, XXXX, and XXXX XXXX warrantee, and am now first trying to gain a FULL resolve to the fullest extend permitted by the presiding laws, regulations and penalties thereof as described. This including the tier 3 CONSUMER PROTECTION ACT VIOLATIONS and the many others alike previously noted and claimed as violated by Carvana, XXXX, and its affiliated XXXX XXXX warrantee. My goal is to reach a fully encompassed and appropriate resolution with filing this complaint and to the extent that I see and know as allowable by law as it is clearly written. Otherwise should this complaint not prevail as expected, as easy it is to prove, and should Carvana and the other affiliates not want to take ownership of their, especially CARVANA LLC, severe violations and unethical nature of the violations therof then I will be left no choice other than to pursue my claims including additional PUNITIVE DAMAGES after consulting my attorney if needed therof to take action in a formal civil litigation lawsuit where a Judge will mandate Carvana LLC and any other associated affiliates to be investigated, placed under severe regulatory overwatch should they be allowed to operate further, and penalized both civil and federally thus investigated to the fullest extent of their violations and the penalties thereof as this case is pretty black and white in its entirety and my documented proof will justify such at any time just as I am proving to you within the CFPB. Especially now that I may be facing soon a loss of job due to having now been sold severely unreliable transportation that is overly prone to severe breakdowns soon per the XXXX mechanics inspection and experience. Which to better explain once my job determines working from home is no longer needed/available and a return to the office is mandatory me and my family will be left with the severe overt impact this Carvana LLc Company has caused on top of the overt impacts already suffered on account of their length of negligence and lack of care towards their customers and towards the laws that govern their sale activities and abilities thereof. I will explain from the beginning. Me and my family had been involved in a Hit and Run accident that left me my previous vehicle at a total loss and in a deficit still owing on the other vehicle. So moving forward I chose to give Carvana a chance approx XXXX and applied online to see what I may be approved for to obtain another vehicle. Carvana had at that time approved me for financing at a high interest rate with a {$2900.00} down payment and no vehicle trade in. I took my time to research the available vehicles and was originally looking into something similar to my XXXX XXXX XXXX but later me and my family chose to go with a bigger vehicle we felt safer in due to the nature of the damage to the XXXX on such a low speed impact which upon continuing to search we found this unique looking XXXX different than the rest. The XXXX was within my price range yielding a {$2900.00} down payment requirement even with additional warrantee coverage and gap insurance. Also compared to many other vehicles listed the XXXX XXXX XXXX had a clean XXXX including regular in shop oil changes etc as listed and the XXXX had a supposed clean 150 pt inspection listed as done on XXXX stating the vehicle was fully operational without issue this including the areas around where the issues I have experienced since are occurring. Therefore at that time we determined as a family it would be best to go with the XXXX and despite the year and mileage on account of the history of the jeeps XXXX and 150pt inspection records and care for thereof that made us feel we were making a purchase of a quality fully functional vehicle as Carvana continued to what we now know to be falsly promoted via email and on their site. Within the time of shopping from XXXX thru XXXX we were making last minute choice changes only to revert back to the XXXX as our final choice by XXXX thru XXXX me and my family were making our final choice around going forward with the XXXX per our final decision making to choose a larger vehicle that made me and my family feel safer. Included are the previous and final version of the signed contract up till day of pickup. During this time I almost lost my ability to purchase the XXXX making changes to my vehicle of choice and luckily it became unreserved and was able to be reverted back to the XXXX shortly after and reserved as my selected vehicle under my profile. Whereas Carvana was ready to sell to another party and would of just as easily bestowed the same issues onto someone else without a doubt and without any care as my experience has proven from beginning to end. Without any clear care for Federal and State Laws/Regulations in addition as you will see with my explanation and proof thereof. This after all my experiences leads me to firmly beleive the acts and violations committed very well may be being commited by Carvana, XXXX, and their Warantee Company XXXX XXXX intentionally against me, my family, and other less than perfect credit customers alike on a grand scale leaving them stuck with broken lemon vehicles that havent been cared for as they advertise prior to listing thus leading to the inevidable sale of these vehicles such as the Lemon \" XXXX XXXX XXXX '' sold to me and my family carelessly. Moving on with my explanation and fine points. Once I had everything in line from funds verification, document verification, contract signed, and insurance swapped over from my previous vehicle on friday by approx XXXX to XXXX I wake up saturday XXXX at XXXX XXXX in the morning to find out that Carvana unexpectedly has emailed me to reschedule my pickup time due to a newly discovered COSMETIC concern and that they quote on quote per their email say in writing '' CARVANA WANTS TO PROVIDE ME THE VEHICLE AS IT WAS ADVERTISED ''. This told me nothing to the true extend of the reasoning behind the delay. Upon calling Carvana to find more information I was advised by their phone representative that it appears that the cosmetic concern is actually a result of a Carvana employee whom hit the XXXX XXXX Bumper with a vehicle while driving to move another vehicle. I was bitterly furious and livid to find this out as to how this could of carelessly happened and having to call myself to find the truth as to what happened rather than be told upfront and truthfully. Not to mention also having to of called myself to attempt to escalate the issue and find out the truth rather than simply being told the truth via email, or even called to be informed of the occurrence, how they will be fixing it, and my rescheduling options. I then sent further emails requesting this issue be escalated, for a supervisor to contact me, and for pictures to be sent to show the extent of the damage their employee had done. I also emailed them around XXXX XXXX requesting further accommodations due to the nature of the issue and inconvenience which was ignored. One request was to have the vehicle delivered waiving the charge of {$500.00} since I had to make alternative arrangements that may have further impacted my jobs in addition to the time I already had to take off unpaid to resolve these issues. Out of my requests NONE of which were ever done and after about a week of waiting and following up with Carvana to find out if info and formal pictures of the bumper issue will be sent and if someone can better explain to me how this could of happened so carelessly. I kept in communication to no avail for days on in with the understanding that this bumper replacement would of taken till XX/XX/XXXX for the part to be delivered for replacement. Over the next few days I continue to call taking unreasonable amounts of impactful time off work to find out if they have any update only to eventually find out all they are willing to do is paint the bumper rather than replace it. This being after days of waiting to find any info out. Still no pictures or other supporting documentation was provided as requested in regards to the damage done prior to pickup. Also this overall determination took a severly unreasonable amount of time to come to conclusion on to be able to move forward with the sale. Not to mention the obvious devaluation of the collateral vehicle due to the incident. Mind you still to this day they have never updated their site sale page as listed to indicate the additional accident and repair nor did they update the advertised mileage as required instead they kept the originally stated mileage which was XXXX as shown in the pictures of original advertisement. On Wed XXXX XXXX XXXX from Carvana phone number XXXX I was called and left a Voice Message by a representative within Carvana LLC Named XXXX. This agent XXXX I spoke to over the phone and actually followed up as promised, only once, to advised me saying the earliest time Carvana can have the car ready for pickup is Friday XXXX at XXXX which inevitabely had to be rescheduled online for the following saturday XXXX to avoid further impacts to my job and paid time worked vs unpaid time taken off to address and handle issues that Carvana has caused and provided little to no effort to resolve or escallate appropriately. Upon me having discovered the issue of the Carvana LLC Employee hitting the XXXX and time originally quoted to fix the bumper thru replacement but was later only painted supposedly and without supporting documentation provided to me as requested to affirm the damage and fix. I luckily avoided further negative financial impact unto me and my family in having to swap the vehicle under my insurance back to my older vehicle listed up until the XXXX was further ready for pickup proceeding the fix. This action having to be taken almost caused me to have a gap in covereage for my auto insurance and would of cost me a plethora more financially month over month year over year in premiums had the agents not been able to aviod the gap in coverage. Luckily this was avoided and situated to reprocess the same quote when the time was right later in the month of XX/XX/XXXX. Moving forward once XXXX came around and vehicle was ready for pickup I once again had to take yet another expensive XXXX ride to their XXXX Location \" Vehicle Vending Machine '' address of which is listed in the many pictures on my pdf. Upon arrival I waited until my appointment time approx XXXX and the agent gave me the paperwork in the folder shown in my pdf file compilation. She explained the vehicle still needs to be taken into emissions to pass within a few days and to use the voucher to avoid the cost after the drive cycle is complete after so many miles driven. To me this is something that should of been done just like a formal ACCURATE inspection well before my pickup especially with all the time they had the vehicle in surplus of my original pickup date and additionally the extra driving of XXXX approx. miles a Carvana Employee drove it beyond the advertised listing mileage which should of been a complete drive cycle enabling Carvana LLC to ensure it will even pass emissions and obtaining the certification for such and fixing any issues prior to selling or even listing for sale. Once the paperwork was provided in person as shown in the pdf pictures ( return paper and car fax and few other documents ) and I initiated the coin into the vending machine the rep had to drive the vehicle around front to me for showing since their vending machine wasnt fully operational due to faulty mechanical problems as explained by XXXX the ON SITE AGENT at the location assisting had explained. Non the less when the vehicle was driven around for my viewing it immediately was further acknowledged by XXXX and initially acknowledged by Myself to be having clearly audible severe engine noises from an unknown location within the engine. At that time the vehicle was parked and idling I further inspected the XXXX XXXX both while on and off and at that time the Agent explained since this is a problem that was pre-existent prior to sale and pickup they will file a ASR Case to have Carvana LLC fix the issues in their entirety and this allows to see if it corrects itself since she claimed it just had an oil change, or she says I can return the vehicle and get another. Which is insult to injury at this point as I am still piecing all the puzzle peices together boggled as to how this all could of been overlooked and become a problem for me so carelessly under such a companies guidance and managent who should be providing measures to prevent this from ever happening within reason. Even then after seeing the bumper I didnt even notice if they had actually done anything to the bumper as it didnt look like it had been painted as claimed and the agent didnt know any of the details about the damage location or repair either aside from it supposedly being addressed. I chose to allow them the opportunity to fix the issues evident as existing prior to the official sale. This taking place once inspected and root of issue discovered and to enable them the opportunity to correct the issues and have the vehicle to be sold as it was advertised to me and my family. Also just as I mentioned before as to how Carvana assured me in writing via email that their goal was to provide me the vehicle AS ADVERTISED when they had to fix the bumper issue. I allowed her to file the case taking their advise with the understanding Carvana LLC was to fix the issue as a result of this issue existing prior to pickup as XXXX confirmed. I then basically test drove the vehicle only to find out soon after within 15 miles of test driving the vehicle home that the vehicle is overheating and made it to 3/4 of the way to H on the Temprature gauge of the vehicle and luckily was able to cut the a/c and make it home without incurring a severe engine failure and without it making it all the way to H thankfully preventing a on the spot full engine overheat and failure. As you see noted via email to Carvana LLC at the XXXX addressing the newfound overheating issue in addition to the pre existing issue of loud engine noise clunking prior to pickup I sent to Carvana via email on XXXX at XXXX explaining in detail the overall issues in addition to the overheating experienced and left unaddressed for weeks prior to pickup and thru many more shop visits for the additional repairs. I further sent an email on XXXX at XXXX to XXXX to have noted and affirm I only drove 15 miles approximately home whereas the vehicle was provided to me with approx XXXX miles more than the advertised mileage and even so the listed mileage on the Final and only Signed contract Signed by me and Carvana LLC financed thru XXXX that I have included from XXXX stating the mileage of XXXX not XXXX with the exception of the approx 15 miles I drove home and left the vehicle parked to avoid engine failure and other issues alike with the vehicle. I included the picture of the odometer I took on XXXX as the XXXX was disabled and parked until the direction was given on XXXX XXXX from Carvana LLC and XXXX XXXX via email on how and where to take the XXXX to start having it inspected to be fixed. I included screen shots of the video camera videos I have of the vehicle parked unmoved over the weekend leading to the towing of the vehicle on monday XXXX to the XXXX Shop located at XXXX XXXX XXXX XXXX. XXXX AZ XXXX Phone number XXXX at the expense of myself and my insurance company. Which is just one additional overt negative financial impact brought onto me and my family and now my insurance company XXXX for a problem they should of had clearly acknowledged and fixed prior to even listing for sale beyond their 150 pt supposed inspection. On monday XXXX I also took it upon myself to exhaust my freedom of speach and freedom of press leading to the exhaustion of my freedom of expression and made posts on XXXX to highlight the nature of my experiece so far and embelish that I still had faith in a formal resolve. The online agent on XXXX requested direct message via DM and I did as you see screen shotted only to eventually not get anywhere when they over promised to keep in touch with their teams to escallate this issue and see it thru. This conversation was further noted over the next week up until i lost faith in their escallation efforts, if any. Which it will be evident as to why by the time I fully explained my whole story. I further included pictures showing the time and date of the video screen shots showing the vehicle no longer in my parking lot after being towed to XXXX on Monday XXXX at approx XXXX that afternoon. I then was in clear communication with XXXX awaiting for tuesday XXXX just for the inspector to be present on duty to inspect the vehicle and once I was able to get affirmation as to the problems I was repeatedly told XXXX mechanics they would contact XXXX XXXX to explain the needed fixes and from that point on I kept calling day over day only to find out that they were still waiting for the GreenLight as they call it to even start the work once fully approved. I called XXXX that week before and was advised simply they would make sure it all gets across to XXXX as needed which at this time now as I write this I see that as clear over promise of a resolution to my escallated situation. Come around Wed. XXXX I was told by the mechanics it seems all is well and by thursday XXXX I called and was told by the other mechanic whom was telling me he wasnt sure what i was told and that he is still waiting on the green light now that they so far have communicated everything to XXXX XXXX. By this time the mechanic at XXXX told me \" so far thats all the problems, so far, that they are able to determine but man they sold you one heck of a Lemon '' which I have recorded video-audio of the XXXX mechanics stated to me that these problems shouldnt be occuring this early in the vehicles life and its a clear red flag for bigger and worse problems soon down the line and that the fix now would of been {$1400.00} out of my pocket if the Warantee was not covering it and to pretty much expect more major problems down the line which basically leads me to conclude in Carvana LLC selling this vehicle with these obvious unadvertised unaddressed and heavily neglected issues clearly there actions violated AZ Lemon Laws, Truth in Lending, Consumer Financial Protection Act, ECOA Equal Credit Opportunity Act, and have successfully crucified me and my family financially now and in the future now that I can firmly expect to experience bigger issues with no telling whether XXXX XXXX will cover all the needed repair costs, but the base principle beyond that point is this vehicle that obviously real mechanics can easily identify and acknowledge major problems with should of been fixed prior to listing for sale and or sold as a fully operational vehicle as it was advertised to be. Its also apparent that Carvana LLC never fully inspected this vehicle as advertised to of been XXXX nor cared to acknowledge the issues that were clearly existent to even non mechanics let alone the XXXX XXXX mechanics well before this vehicle was listed for sale. As mentioned before and now with the input of the XXXX XXXX mechanics taken into account its evident that I may be soon faced with loosing my jobs in the near future as result of their overt violations and actions, negligent care of, and lack of policy escallation guidelines and appropriate remedies thereof leaving me without reliable transportation which Carvana LLC heavily and falsly promotes with thier overpromised advertising of the HIGH quality of their products/vehicles and inspection standards. This is an overt impact I may incur soon enough resulting from expected major breakdowns as clearly anticipated by XXXX mechanics for this very XXXX and the nature of the problems this early in life and their length of experience to back up such claims. Now in attempting to escalate this issue within Carvana LLC I only was able to obtain apology after apology and a slight 2 day extension to my return period whereas they refused to get me in touch with a manager repeatedly claiming to be senior representatives and they have the authority of managers when clearly they lacked the competency of such authority as shown in their lack of efforts in escalating my situation as needed. This taking place among my many communications via email, Social Media, and Call ins to support line representatives within Carvana LLC and additionally my call into XXXX XXXX encompassing the over promises of a full expeditious resolve of a problem that should of first and foremost never been a problem prior to advertising with intent to sale a product to the general public of consumers let alone the finalization of a sale with expressed knowledge of such issues. This substantiates itself seeing as how still to this very day I am left without a operable vehicle that is still in the shop without even having the work started after the shop having the vehicle for 7 days and with XXXX XXXX having plenty of room and personel to process the approval to give the XXXX shops mechanics the green light to start the work. Furthermore I later in the week on XXXX recieve a call from Carvana LLC Agents and on the same day at XXXX I recieve an email stating my 7 day return period is on its 6th day and almost expired. This poses a great deal of conflict, concern, and confusion as a result of how the online portal displays provided the two day extension timeline I thought which ended on XXXX. I then call back to carvana llc to see if they were possibly calling with an update to my apparently not escalated situation/complaint/issue only to find this out as to why they called to explain that my last day of my return period is here and then I further expressed my concern over the presiding issues and again only received apology after apology and further insult to injury saying that I can return the vehicle still for another. I then called XXXX XXXX back and followed up only to find nothing has again been updated or approved and I explained to them that im almost outside my grace period and was told they will follow up with XXXX XXXX yet again. Mind you this is a vehicle i truly never had a chance to drive beyond the test drive let alone the fact that its been sitting unfixed in the XXXX shop for days waiting for the greenlight that since has still never been given. Now here we are on XX/XX/XXXX both XXXX Shop and XXXX XXXX have been closed since closing on Saturday XXXX and I have no follow up from anyone and still my vehicle has not recieved the formal approval as requested by XXXX days ago to start the repairs and my original return period and my 2 day extension has officially expired as shown in the screen shots and I now have been stuck with a broken disabled vehicle that Carvana LLC financed thru in house financing thru XXXX since day one. This leaves me no other choice as to follow thru with my formal complaint. If needed provided the lack of sufficient resolve per my expectations which will be to the fullest extent of the laws regulating such transactions then I will be left no choice but to follow thru with contacting my attorney to file a formal civil litigation law suit to pursue my claims in addition to the punitive damages incurred and soon to be incurred down the line as a result of Carvana LLC and its Affiliates overt actions and clear malicious intentions. Me and my family are now left without a vehicle having to walk in excessive heat to handle my normal family obligations, or pay excessive tolls to take XXXX rides, and for many this would already have been a total loss of their job, or other heavy gravity consequences at that hands of Carvana LLC, XXXX, XXXX XXXX, and their employees. As I have told Carvana LLC in many forms of communication apologies dont explain to a persons boss why an employee isnt reliably available and on time or able to hold their end of their own obligations because he cant get to work to fufill his responsibilities. I am left only to firmly believe and firmly can prove Carvana LLC in addition to its affiliates commited overt consumer fraud against me and in doing so severly violated Consumer Finacial Protection Act, UDAAP, Truth in Lending Act, ECOA, and AZ Lemon Laws blatantly robbing me of my {$2900.00} Down Payment I paid and has posted as a debit to my account for such. Above all the vehicle is still unfixed in the shop and out of my posession to even fathom a return if I chose to do so, and still XXXX has no formal approval from XXXX XXXX to Fix the Vehicle. Me and my family as I described to Carvana LLC shouldnt have to sacrifice our choice of vehicle because they chose to DECEPTIVELY FALSIFY their advertisements and FAILED to fully address and fix the blatant issues I am having addressed in the mechanic shop now which again still havent been granted approval by XXXX XXXX to even start the repairs, and clearly shouldnt have been a problem in the first place before they list a product for sale as fully operable in all areas per their own inspection and details within the advertisement page online. I can only come to one conclusion from my experience, understanding of the presiding laws, and the nature of conduct/gravity of their violations","date_sent_to_company":"2020-08-31T09:32:44.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"85018","tags":null,"has_narrative":true,"complaint_id":"3822641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carvana Group, LLC","date_received":"2020-08-31T07:08:19.000Z","state":"AZ","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["Mind you I am now outside of the 7 day return period and even with a slight 2 day extension granted as a result of the vehicles pre existing mechanical issues which took me to XXXX XXXX XXXX and my vehicle is still in the shop without the greenlight from XXXX XXXX XXXX to approve the work to be started."]},"sort":[9.434068,"3822641"]},{"_index":"complaint-public-v1","_id":"4431123","_score":9.384636,"_source":{"product":"Mortgage","complaint_what_happened":"I would like to file a formal complaint and investigation against Fifth Third Bank for improperly evaluating and mismanaging all financial documents for a re-finance application that began on XX/XX/XXXX and still has not been formally resolved. I have a current, good standing, mortgage with Fifth Third Bank and excellent credit. My existing mortgage originated with MB Financial in XXXX which later was bought buy Fifth Third Bank. ( In XXXX, I had removed my ex husband from the mortgage per a divorce property settlement agreement and as I had just opened a new business, I added my father on as a co-signer to ensure my employment change would not be a problem ). \n\nI applied for a refinance with Fifth Third Bank on XX/XX/XXXX. I have owned my own business since XX/XX/XXXX and currently still own the company. I also applied with my child support as income ( which has been consistent for 4 years and lawfully continues for at least 8 more years ) and other income as an XXXX XXXX XXXX. I applied for the re-finance with my father as co-signer as he is currently on the mortgage and to ensure there was more than enough income on the application. He is also self-employed, owns multiple businesses for 35 years, owns a farm and owns multiple properties with no mortgages and has made in excess of XXXX yearly. \n\nI currently owe approximately {$190000.00} on my property at 3.875 % and the appraisal done during this process valued my home at {$470000.00}. I requested a cash-out refinance of {$90000.00} to cover home improvement repairs and to remove any remaining loans I had. I was quoted a 3.275 % with XXXX points for a 30 year fixed mortgage with the cash out bringing up my payment approximately {$75.00} extra per month. \n\nSelf-employed individuals have much more complex financial and tax documents to understand, especially when there are multiple large scale businesses. It is a much more complex document collection and underwriting review and it is my opinion based on dealing with multiple people including managers at Fifth Third Bank, that they are not adequately educated and able to request and review the correct and complicated documents of self-employed individuals and engaged in illegal responses to me during the process. \n\nI still have yet to receive an official written document on Fifth Third Bank letterhead stating where my application stands however I have been called twice by an employee ( XXXX XXXX ) telling me there will be a denial. I filed an internal complaint with Fifth Third Bank after she first called in XXXX, and suddenly they started to review my application again. Her reason that time was that we did not submit the proper documents. I received email correspondence that my files were \" misplaced '' and that I was being difficult. They also did not seem to open the two large XXXX XXXX packages that were sent to them with documents a month prior. We again submitted documents and restarted the process however the woman collecting documents was not even sure what she was looking at ( XXXX XXXX ). Many documents were submitted two or three times, I was told the documents kept expiring ... when in reality, they had never requested them. The woman at the company who handled that first complaint was XXXX ( her phone XXXX ). I also tried to get help from XXXX and XXXX XXXX boss, XXXX XXXX with no solution. \n\nNow after re-submitting everything they asked for both signers, I was emailed by XXXX XXXX that they had everything on XX/XX/XXXX to review only to receive a letter asking for more documents on XX/XX/XXXX. Some of which were completely inaccurate documents relating to me. ( For example, they asked me for tax return from a company I don't own something named XXXX and have never heard of ; and asked for a mortgage that my father has ... he has no mortgages. In addition to another slew of new documents they hadn't asked for before. \n\nAfter I questioned every line item on the XX/XX/XXXX letter, I received a phone message from XXXX XXXX on XX/XX/XXXX stating I would be denied of an approval because my employment job has changed. It has not changed. I own the same company I own and have owned since XXXX. I then questioned why if they took my income out of the equation, that they didn't count my father 's income. I then received an email saying there were trials and tribulations with my re-finance given the complexity of the documents and that since my job had changed, they could not list any income. \n\nIt is my belief that not only did they violate the Equal Credit Opportunity Act and not provide a written, explicit factual explanation ; but they mishandled my application from the very beginning. They did not have the expertise to request the proper documentations from the beginning, lost my files, and I feel improperly calculated my income ( because they refused to count it ) and did not properly count my father 's income ( because they don't know how to read and/or request the proper documents ). \n\nAs I mentioned above, in XXXX when I removed my ex husband and placed my father on as my cosigner with MB Financial, I had just started a XXXX and was only 3 months in. They didn't discredit my income and were able to review all of my father 's documents properly and I received the mortgage. I purposely went with my current lender instead of shopping around this time and it was a HUGE mistake. \n\nI would like my entire file returned to me and my father, I would like an official letter I am rightfully owed by law with a legitimate reason for denial and I would like to officially have their team investigated for mismanagement of financial documents. They are not staffed properly to evaluate self-employed individuals.","date_sent_to_company":"2021-06-04T15:08:54.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"4431123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2021-06-04T14:10:40.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I also applied with my child support as income ( which has been consistent for 4 years and lawfully continues for at least 8 more years ) and other income as an XXXX XXXX XXXX. I applied for the re-finance with my father as co-signer as he is currently on the mortgage and to ensure there was more than enough income on the application."],"issue":["Applying for a mortgage or refinancing an existing mortgage"]},"sort":[9.384636,"4431123"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":77,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":77}]}},"product":{"doc_count":77,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":23},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Mortgage","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":7},{"key":"FHA mortgage","doc_count":4},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"Other type of mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10}]}},{"key":"Credit card or prepaid card","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":6},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Store credit card","doc_count":1}]}},{"key":"Checking or savings account","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2},{"key":"Other banking product or service","doc_count":1},{"key":"Savings account","doc_count":1}]}},{"key":"Credit card","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":4}]}},{"key":"Debt collection","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2},{"key":"I do not know","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Check cashing service","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1},{"key":"Private student loan","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":1},{"key":"Loan","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}}]}},"issue":{"doc_count":77,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":8},{"key":"Investigation took more than 30 days","doc_count":6},{"key":"Problem with personal statement of dispute","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":6},{"key":"Information belongs to someone else","doc_count":4},{"key":"Account status incorrect","doc_count":2}]}},{"key":"Problem with a purchase shown on your statement","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":6},{"key":"Card was charged for something you did not purchase with the card","doc_count":1},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":3}]}},{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Bounced checks or returned payments","doc_count":1},{"key":"Non-sufficient funds and associated fees","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Improper use of your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Privacy issues","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":1}]}},{"key":"Problem with additional add-on products or services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":1}]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":1}]}}]}},"timely":{"doc_count":77,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":76},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":77,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":56},{"key":"Closed with non-monetary relief","doc_count":15},{"key":"Closed with monetary relief","doc_count":6}]}},"submitted_via":{"doc_count":77,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":77}]}},"company":{"doc_count":77,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":9},{"key":"Experian Information Solutions Inc.","doc_count":9},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":8},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":7},{"key":"DISCOVER BANK","doc_count":3},{"key":"JPMORGAN CHASE & CO.","doc_count":3},{"key":"CITIBANK, N.A.","doc_count":2},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":2},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":2},{"key":"WELLS FARGO & COMPANY","doc_count":2},{"key":"AES/PHEAA","doc_count":1},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Coinbase, Inc.","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"LD Holdings Group, LLC","doc_count":1},{"key":"MIDFIRST BANK","doc_count":1},{"key":"MONEY SOURCE, INC., THE","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"Old Republic National Title Holding Co.","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Rocket Mortgage, LLC","doc_count":1},{"key":"Service Finance Holdings, LLC","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1}]}},"state":{"doc_count":77,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":13},{"key":"FL","doc_count":11},{"key":"LA","doc_count":11},{"key":"TX","doc_count":11},{"key":"NY","doc_count":6},{"key":"GA","doc_count":4},{"key":"MS","doc_count":4},{"key":"AZ","doc_count":2},{"key":"CO","doc_count":2},{"key":"IL","doc_count":2},{"key":"PA","doc_count":2},{"key":"DE","doc_count":1},{"key":"HI","doc_count":1},{"key":"KY","doc_count":1},{"key":"MN","doc_count":1},{"key":"NH","doc_count":1},{"key":"NJ","doc_count":1},{"key":"NV","doc_count":1},{"key":"OH","doc_count":1},{"key":"TN","doc_count":1}]}},"company_public_response":{"doc_count":77,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":34},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":4}]}},"tags":{"doc_count":77,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":16},{"key":"Older American","doc_count":9},{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[9.385836,"4431123"],"3":[6.2029014,"16032479"],"4":[3.2661068,"5395826"]}}}