{"took":494,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":54,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4411480","_score":13.925291,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I used my Synchrony credit card ( the Card ) to purchase what I believed to be an authentic XXXX hair dryer. I quickly realized that the fraudulent business ( the Company ) I ordered from was not in fact a legitimate company but was unable to cancel the charge. I immediately called the Card to dispute the charge and formerly filed a complaint. \n\nFrom XX/XX/XXXX through XX/XX/XXXX I followed up the initial complaint with numerous supporting documentation to evidence that this was a fraudulent Company. The supporting documentation outlines the dates of all communications and transactions, provides photos that illustrate the blatant and obvious fraud on behalf of the Company. The supporting evidence shows how the Company deceived me by misspelling the brand name, using a fraudulent email address, routing the payment vehicle through a fraudulent XXXX account, and used a federal mail service carrier to deliver an item that was without question not the item ordered. In short, and I can provide all and any evidence needed in furtherance of your investigation to support this, what I ultimately received from the company was not a hair dryer but a white nylon t-shirt, clearly used to give the appearance that an item was shipped and delivered and this is evidenced by USPS tracking numbers. \n\nDespite the Card indicating that it would investigate the matter, the matter appears to have been closed and on XX/XX/XXXX when the charge ( {$320.00} ) was posted and added back to my card without any notice. The Card did not alert me to the closure of the investigation, the basis for the decision or the opportunity to provide additional documentation. \n\nI have been a loyal customer to the Card for over ten years, paying in full my balance each month. The Cards failure to adequately and diligently investigate this matter, ESPECIALLY given the apparent and obvious nature of the fraud, is not only professionally negligent to its customers but irresponsible in allowing fraudulent businesses to continue to deceive customers. There are countless federal and state laws that the Company has broken, and the Cards negligent inaction here is furthering this illegal activity. \n\nPlease contact me for any additional information needed to review this matter. The Card is leaving customers in a vulnerable financial situation, and action must be taken to remedy my particular matter, but also to address the negligence on the part of the Card. \n\nThank you.","date_sent_to_company":"2021-06-07T14:57:06.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11375","tags":"Older American","has_narrative":true,"complaint_id":"4411480","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-05-27T19:20:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The Cards failure to adequately and diligently <em>investigate</em> this matter, ESPECIALLY given the <em>apparent</em> and obvious nature of the fraud, is not only professionally <em>negligent</em> to its customers but irresponsible in allowing fraudulent businesses to continue to deceive customers. There are countless federal and state laws that the Company has broken, and the Cards <em>negligent</em> inaction here is furthering this illegal activity."]},"sort":[13.925291,"4411480"]},{"_index":"complaint-public-v1","_id":"2278530","_score":13.610077,"_source":{"product":"Credit reporting","complaint_what_happened":"Experian continues to report a negative payment status ( XX/XX/XXXX ) on a XXXX XXXX account that was settled in XX/XX/XXXX. I have disputed this error twice before, most recently on XX/XX/XXXX. Experian 's response was that it would take up to 30 days for them to contact XXXX and to complete their investigation. It has been XXXX days with no correction of this error and, in fact, Experian continues to move the delinquency to the most recent month ( now XX/XX/XXXX ) for the apparent purpose of causing the most damage possible to my credit. My dispute submitted on XX/XX/XXXX included a reference to CFPB complaint XXXX which was my dispute directly with XXXX. XXXX XXXX response agreed with my complaint and stated, \" On XX/XX/XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XX/XX/XXXX. '' XXXX and XXXX did correct this error, however, Experian has simply moved the delinquency to XX/XX/XXXX. They have arrogantly ignored the intent of the instructions from XXXX and now falsely claim that they are \" contacting the information furnisher '' to complete their investigation. The response from XXXX clearly indicates the wishes of the information furnisher ( XXXX ) to remove the delinquency so Experian has absolutely no excuse for continuing to report this error. This is a clear and intentional violation of the Fair Credit Reporting Act Since the CFPB has, by federal law, responsibility for the oversight of the credit reporting agencies, I request that the CFPB take action beyond just forwarding this complaint to Experian. It is evident that Experian has no intent to take action to correct this erroneous reporting and is in violation of FCRA sections XXXX and XXXX ( willful and negligent noncompliance ).","date_sent_to_company":"2017-01-06T18:51:05.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"321XX","tags":"Older American","has_narrative":true,"complaint_id":"2278530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-01-06T18:51:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["Experian 's response was that it would take up to 30 days for them to contact XXXX and to complete their <em>investigation</em>. It has been XXXX days with no correction of this error and, in <em>fact</em>, Experian continues to move the delinquency to the most recent month ( now XX/XX/XXXX ) for the <em>apparent</em> purpose of causing the most damage possible to my credit. My dispute submitted on XX/XX/XXXX included a reference to CFPB complaint XXXX which was my dispute directly with XXXX."]},"sort":[13.610077,"2278530"]},{"_index":"complaint-public-v1","_id":"4105572","_score":13.357185,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/2021, we received notification by letter from TCF Bank, dated XX/XX/2021, that a temporary freeze had been placed on our existing HELOC line of credit, allegedly for the following reason : \" The value of your dwelling has declined significantly below its appraised value. '' This determination and decision is alleged to have arisen due to the bank obtaining an \" AVM '' of our home 's estimated value. \n\nWe have made multiple good faith inquiries, beginning XX/XX/2021, and continuing, including requests to provide the underlying documentation for this decision, as well as our request to immediately reinstate our line of credit. We included in these contact submissions of estimations of our home 's value from public independent third-party vendors, which serve to refute TCF 's claims. Their allegation of decreased value is simply not supported by the facts available to us. Any facts in their possession, if any, are inexplicably being withheld - perhaps unlawfully. \n\nOur account has been in good standing since inception of our loan with TCF Bank, and continuing. We did receive a response from XXXX XXXX, AVP, Underwriting Manager on XX/XX/2021. However, his request for additional irrelevant documentation concerning our senior mortgage principal balance and reference to an alleged ongoing \" investigation '' is illogical, intrusive and confusing, entirely missing the point of TCF 's assertion that our home value allegedly decreased significantly, which is the only subject at issue in this matter. We have significant concerns with respect to TCF 's apparent unethical business practices. \n\nIt is our position that TCF is not acting in accordance with the principles of good faith and fair dealing, as required by virtue of our loan agreement with them. Further, we are of the opinion that both their determination and decision are incorrect and unsupported by the facts. The manner in which TCF is negligently or intentionally handling this entire matter from its decision to suspend our line of credit to its complete lack of meaningful response to our valid concerns and well-founded objections leads us to a reasonable conclusion that their actions are both arbitrary and capricious.","date_sent_to_company":"2021-02-04T18:36:26.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"959XX","tags":null,"has_narrative":true,"complaint_id":"4105572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TCF NATIONAL BANK","date_received":"2021-01-30T23:12:55.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["However, his request for additional irrelevant documentation concerning our senior mortgage principal balance and reference to an alleged ongoing \" <em>investigation</em> '' is illogical, intrusive and confusing, entirely missing the point of TCF 's assertion that our home value allegedly decreased significantly, which is the only subject at issue in this matter. We have significant concerns with respect to TCF 's <em>apparent</em> unethical business practices."]},"sort":[13.357185,"4105572"]},{"_index":"complaint-public-v1","_id":"6750503","_score":12.671348,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In XX/XX/2022, I contacted a person by the name of XXXX XXXX on an app called XXXX about purchasing a XXXX  Puffer Jacket. We moved our conversation to XXXX, where he sent me photos of the jacket and told me his email address. I paid him XXXX euros + XXXX euros for shipping. \n\nTwo or three weeks later, I go to the post office to pick up the package. As soon as I picked up the package, I could tell there was not a puffer jacket in it. It weighed about 5 ounces. I opened the box and there was a wool liner shirt in the box. I contacted the seller on XXXX, and after about 6 messages he blocked me. \n\nI immediately filed a claim with Paypal. I thought it would be a simple case -- I had clear and convincing evidence that this person scammed me. I submitted all of my evidence to Paypal, and I paid {$20.00} to ship the wool shirt back to the exact address it was sent from. However, I did not take a picture of the return label -- because the clerk at XXXX typed in the address and affixed the label herself. \n\nPaypal ultimately denied my claim, despite the fact that I provided a tracking number, because I didn't show the address that I shipped the item to. They explained that the BUYER PROTECTION program is also meant to protect sellers who \" accidentally ship the wrong item '' and would be harmed if the purchaser falsely shipped the item back -- which is completely logical... IF THE SELLER ACTUALLY SENT THE ITEM BY MISTAKE. But when the seller clearly ships a wool liner shirt instead of a {$1500.00} XXXX puffer jacket, then BLOCKS THE PURCHASER ON XXXX, it is beyond apparent that the transaction is fraudulent, and Paypal has a duty to its users to diligently and accurately investigate fraud on their platform, which they failed to do here. Paypal 's employees were extremely negligent in investigating this fraud claim and I've been harmed as a result.","date_sent_to_company":"2023-03-27T06:12:40.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"10011","tags":null,"has_narrative":true,"complaint_id":"6750503","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-03-27T05:44:28.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["But when the seller clearly ships a wool liner shirt instead of a {$1500.00} XXXX puffer jacket, then BLOCKS THE PURCHASER ON XXXX, it is beyond <em>apparent</em> that the transaction is fraudulent, and Paypal has a duty to its users to diligently and accurately <em>investigate</em> fraud on their platform, which they failed to do here. Paypal 's employees were extremely <em>negligent</em> in <em>investigating</em> this fraud claim and I've been harmed as a result."]},"sort":[12.671348,"6750503"]},{"_index":"complaint-public-v1","_id":"3051292","_score":12.467854,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX Dear Sir/Madame : Please be advised that the above-referenced borrowers in connection with a financial transaction that occurred on the above referenced date. Based upon information received from our client, an expert mortgage audit report, and our research of the property records, the filings with the UNITED STATES Securities and Exchange Commission and interviews with various mortgage brokers, lenders, appraisers, title agents, and closing agents, we believe there are claims against you and your company for negligence, breach of contract, and breach of fiduciary duty, along with other claims in law and equity which total more in financial damages than the clients equity ( down payment ), costs of closing, all points and interest paid to date plus the par value of the subject mortgage note ( s ).\n\nThis is a substantial claim that may exceed the policy limits on any and all insurance policies issued that cover the risks in this claim.\n\nPlease forward a copy of this letter to any company that has issued a policy of insurance covering errors, omissions, negligence or any other guarantee or indemnification relative to the above-referenced loan closing. Failure to notify your insurance carrier may result in denial of coverage or denial of the duty to defend.\n\nThe above-referenced loan closing involved conflicting documentation and failure to disclose the existence of a Pooling and Service Agreement and Assignment and Assumption Agreement that predated the loan closing and provided for fees, profits and payments that were never intended to be disclosed to the borrower and that were withheld from the borrower before, during and after the subject loan closing. It was not until exhaustive research was performed that the true facts are emerging, and which have caused our client to express an immediate need and desire to rescind the alleged subject loan transaction.\n\nBased upon conversations with our client and interviews with people who have knowledge of the practices and policies of the parties to this transaction, it is apparent that, contrary to federal and state law, you have participated in an extended pattern of conduct to further, foster, allow and promote an interstate conspiracy to deceive and defraud persons targeted as prospective borrowers in entire geographic regions of the the United States including but not limited to our client, and were further negligent in your supervision of your officers, directors, agents, affiliates, vendors and employees resulting in substantial financial and other injuries to our client.\n\nFurther based upon public filings, it appears that you, your insurance carriers, your agents, servants, vendors and employees must have known all or enough of the true facts to know that our client was not receiving the guidance, protection, due diligence or information to which our client was entitled and had our client been apprised of the true facts, our client would not have executed the papers that were presented as ordinary mortgage loan documents but which which in fact were part of an elaborate scheme for the execution of documents purporting to be loan documents but which resulted in the issuance of a negotiable instrument with the intent on your part, and undisclosed and unknown to our client, to change the terms and conditions of payment of the mortgage note from its stated terms, pay fees and profits to a variety of undisclosed third parties who were participating in the fraudulent sale of unregulated securities which purported to be backed by the mortgage note of our client and that appear to have misled investors into believing that the certificates they purchased were also backed by the property of our client.\n\nFurther, based upon conversation with our client, we have determined that the appraised value used in the loan closing was not computed in accordance with industry guidelines for using comparable time frames and geography and other indicia of probable value, as opposed to price.\n\nThe value reported to our client by the Lender and the Lender 's appraiser was intentionally or negligently tied to the contract price and was significantly higher than the real fair market value at that time. This disparity since has been easily corroborated by current values in the area, to wit : concurrent with the collapse of your scheme, the values of the real property of our client declined to the levels that existed before this scheme was initiated.\n\nThis indicates a probability that the appraisal review required of the nominal lender was omitted. In fact, based upon preliminary investigation, the appraisal review process was both omitted and intentionally terminated, along with the re-assigned or terminated personnel that would have performed such functions. It also indicates that the cost of the loan was significantly higher that what was reported on the GFE and other disclosure documents at the time of closing.\n\nFurther it is apparent that you were aware and participated in the deception by which our client was led to believe that the nominal lender was the actual lender and that the nominal lender was renting its registration and charter to third parties who were neither chartered financial institutions nor registered business entities in the state in which the property was located.\n\nThe transaction was known by you and the others at the alleged loan closing to be a sham through which unregulated, unregistered and unchartered people and businesses engaged in banking and lending contrary to federal and state law.\n\nTaken together with the experts finding of deceptive lending practices concerning affordability and tangible benefits, the true term of the loan was significantly overstated, in that the future reset of payments made it highly likely that the loan would go into default at a time much earlier than than the expressed term of the mortgage note.\n\nThis was a fact known by every participant at the loan closing except our client.\n\nReducing the term of the loan to the time of expected default and adding the inflated appraisal resulted in an APR significantly exceeding the legal interest limit under state law and violate applicable laws on usury entitling our client to nullification of the note, extinguishment of the mortgage, treble damages and attorney fees, in addition to the refunds, rebates and damages stated in the experts report.\n\nBased upon reports received from XXXX XXXX XXXX legal compliance division, it is apparent from filings with the Securities and Exchange Commission that the loan was table funded and that the nominal lender was in fact a stand-in for a series of parties who were not disclosed as the source of the funds, not disclosed as the recipient of fees ( including the nominal lender who may have received a fee of 2.5 % of the par value of the mortgage note ), and not disclosed as the actual lender in the subject loan transaction. Again while all of the participants at the loan closing were aware of these facts, our client was kept in the dark. Hence, our client was never notified regarding the identity, authority and regulation, charter, or registration of the actual lender.\n\nFurther, it can not be determined from the filings of the referenced parties, nor the notices to the borrower, who is the current actual holder in due course, who is entitled to payment under the mortgage note, whether additional third party payments were made from insurance products that are reported to have guaranteed either the payments or the principal of the mortgage note, or whether in fact the mortgage note has been prepaid, overpaid, or any balance is owed and if so, to whom. This prevents the borrower from notifying the true source of funds ( the actual lender ) of borrower 's intent to rescind. It is our determination, based upon these facts, that the loan closing was never completed and that therefore the 3 day right of rescission was neither waived nor did it expire. Under the Federal Truth in Lending Act the appropriate party must either comply with the rescission or file a declaratory action seeking to avoid the rescission. \n\n\nPLEASE GOVERN YOURSELVES ACCORDINGLY. \n\n\nVery truly yours,","date_sent_to_company":"2018-10-19T11:38:23.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"32221","tags":null,"has_narrative":true,"complaint_id":"3051292","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PRIMELENDING, A PLAINSCAPITAL COMPANY","date_received":"2018-10-19T11:26:28.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In <em>fact</em>, based upon preliminary <em>investigation</em>, the appraisal review process was both omitted and intentionally terminated, along with the re-assigned or terminated personnel that would have performed such functions. It also indicates that the cost of the loan was significantly higher that what was reported on the GFE and other disclosure documents at the time of closing."]},"sort":[12.467854,"3051292"]},{"_index":"complaint-public-v1","_id":"3051528","_score":11.971216,"_source":{"product":"Mortgage","complaint_what_happened":"Under the t.i.l.a act we wasn't fully disclosed of our rights of rescission no receipt was provided to us after we signed the promissory note and I've done a r.e.s.p.a and they have forged the note Dear Sir/Madame : Please be advised that the above-referenced borrowers in connection with a financial transaction that occurred on the abover teferenced date. Based upon information received from our client, an expert mortgage audit report, and our research of the property records, the filings with the UNITED STATES Securities and Exchange Commission and interviews with various mortgage brokers, lenders, appraisers, title agents, and closing agents, we believe there are claims against you and your company for negligence, breach of contract, and breach of fiduciary duty, along with other claims in law and equity which total more in financial damages than the clients equity ( down payment ), costs of closing, all points and interest paid to date plus the par value of the subject mortgage note ( s ).\n\nThis is a substantial claim that may exceed the policy limits on any and all insurance policies issued that cover the risks in this claim. \n\n\nPlease forward a copy of this letter to any company that has issued a policy of insurance covering errors, omissions, negligence or any other guarantee or indemnification relative to the above-referenced loan closing. Failure to notify your insurance carrier may result in denial of coverage or denial of the duty to defend. \n\n\nThe above-referenced loan closing involved conflicting documentation and failure to disclose the existence of a Pooling and Service Agreement and Assignment and Assumption Agreement that predated the loan closing and provided for fees, profits and payments that were never intended to be disclosed to the borrower and that were withheld from the borrower before, during and after the subject loan closing. It was not until exhaustive research was performed that the true facts are emerging, and which have caused our client to express an immediate need and desire to rescind the alleged subject loan transaction. \n\n\nBased upon conversations with our client and interviews with people who have knowledge of the practices and policies of the parties to this transaction, it is apparent that, contrary to federal and state law, you have participated in an extended pattern of conduct to further, foster, allow and promote an interstate conspiracy to deceive and defraud persons targeted as prospective borrowers in entire geographic regions of the the United States including but not limited to our client, and were further negligent in your supervision of your officers, directors, agents, affiliates, vendors and employees resulting in substantial financial and other injuries to our client. \n\n\nFurther based upon public filings, it appears that you, your insurance carriers, your agents, servants, vendors and employees must have known all or enough of the true facts to know that our client was not receiving the guidance, protection, due diligence or information to which our client was entitled and had our client been apprised of the true facts, our client would not have executed the papers that were presented as ordinary mortgage loan documents but which which in fact were part of an elaborate scheme for the execution of documents purporting to be loan documents but which resulted in the issuance of a negotiable instrument with the intent on your part, and undisclosed and unknown to our client, to change the terms and conditions of payment of the mortgage note from its stated terms, pay fees and profits to a variety of undisclosed third parties who were participating in the fraudulent sale of unregulated securities which purported to be backed by the mortgage note of our client and that appear to have misled investors into believing that the certificates they purchased were also backed by the property of our client. \n\n\nFurther, based upon conversation with our client, we have determined that the appraised value used in the loan closing was not computed in accordance with industry guidelines for using comparable time frames and geography and other indicia of probable value, as opposed to price. \n\n\nThe value reported to our client by the Lender and the Lender 's appraiser was intentionally or negligently tied to the contract price and was significantly higher than the real fair market value at that time. This disparity since has been easily corroborated by current values in the area, to wit : concurrent with the collapse of your scheme, the values of the real property of our client declined to the levels that existed before this scheme was initiated. \n\n\nThis indicates a probability that the appraisal review required of the nominal lender was omitted. In fact, based upon preliminary investigation, the appraisal review process was both omitted and intentionally terminated, along with the re-assigned or terminated personnel that would have performed such functions. It also indicates that the cost of the loan was significantly higher that what was reported on the GFE and other disclosure documents at the time of closing. \n\n\nFurther it is apparent that you were aware and participated in the deception by which our client was led to believe that the nominal lender was the actual lender and that the nominal lender was renting its registration and charter to third parties who were neither chartered financial institutions nor registered business entities in the state in which the property was located. \n\n\nThe transaction was known by you and the others at the alleged loan closing to be a sham through which unregulated, unregistered and unchartered people and businesses engaged in banking and lending contrary to federal and state law. \n\n\nTaken together with the experts finding of deceptive lending practices concerning affordability and tangible benefits, the true term of the loan was significantly overstated, in that the future reset of payments made it highly likely that the loan would go into default at a time much earlier than than the expressed term of the mortgage note. \n\n\nThis was a fact known by every participant at the loan closing except our client. \nReducing the term of the loan to the time of expected default and adding the inflated appraisal resulted in an APR significantly exceeding the legal interest limit under state law and violate applicable laws on usury entitling our client to nullification of the note, extinguishment of the mortgage, treble damages and attorney fees, in addition to the refunds, rebates and damages stated in the experts report. \n\n\nBased upon reports received from XXXX XXXX XXXX legal compliance division, it is apparent from filings with the Securities and Exchange Commission that the loan was table funded and that the nominal lender was in fact a stand-in for a series of parties who were not disclosed as the source of the funds, not disclosed as the recipient of fees ( including the nominal lender who may have received a fee of 2.5 % of the par value of the mortgage note ), and not disclosed as the actual lender in the subject loan transaction. Again while all of the participants at the loan closing were aware of these facts, our client was kept in the dark. Hence, our client was never notified regarding the identity, authority and regulation, charter, or registration of the actual lender. \n\n\nFurther, it can not be determined from the filings of the referenced parties, nor the notices to the borrower, who is the current actual holder in due course, who is entitled to payment under the mortgage note, whether additional third party payments were made from insurance products that are reported to have guaranteed either the payments or the principal of the mortgage note, or whether in fact the mortgage note has been prepaid, overpaid, or any balance is owed and if so, to whom. This prevents the borrower from notifying the true source of funds ( the actual lender ) of borrower 's intent to rescind. It is our determination, based upon these facts, that the loan closing was never completed and that therefore the 3 day right of rescission was neither waived nor did it expire. Under the Federal Truth in Lending Act the appropriate party must either comply with the rescission or file a declaratory action seeking to avoid the rescission. \n\n\nPLEASE GOVERN YOURSELVES ACCORDINGLY","date_sent_to_company":"2018-10-19T11:23:47.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"32221","tags":null,"has_narrative":true,"complaint_id":"3051528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PRIMELENDING, A PLAINSCAPITAL COMPANY","date_received":"2018-10-19T10:49:56.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In <em>fact</em>, based upon preliminary <em>investigation</em>, the appraisal review process was both omitted and intentionally terminated, along with the re-assigned or terminated personnel that would have performed such functions. It also indicates that the cost of the loan was significantly higher that what was reported on the GFE and other disclosure documents at the time of closing."]},"sort":[11.971216,"3051528"]},{"_index":"complaint-public-v1","_id":"4800346","_score":11.12989,"_source":{"product":"Checking or savings account","complaint_what_happened":"PNC Bank Executive Client Services : Date :. Tuesday, XX/XX/XXXX PNC Bank Fraud Claims Investigation : XXXX XXXX Follow-Up Call To E-Mail : XXXX From Date : XXXX ( ESDT ), Thursday, XX/XX/XXXX My Follow-Up Voicemail Call : XXXX ( ESDT ), Tuesday, XX/XX/XXXX Voicemail ext. 2-Marked Important Requested Follow-Up Call XXXX XXXX, PNC Executive Client Services Tel. # : ( XXXX ) XXXX Monday, XX/XX/XXXX PNC Bank Fraud Claims Investigation launched . \nCall Summary : XXXX XXXX promised to call me back after speaking with PNC Fraud Department about my XX/XX/XXXX I filed PNC Fraud claims at night in the evening. \nDuring this conversation after politely introducing myself and explaining what happened, I simply asked her : ( 1. ) What is the current status of my PNC Fraud Claims? \n( 2. ) What are my options as far as having my claims actually investigated? \n( 3. ) Why werent my PNC Bank Fraud Claims initially investigated? \n( 4. ) I explained to XXXX XXXX the gust of my claims regarding both the XXXX Bus Ticket fraud claim from Friday, XX/XX/XXXX and that also, the fraud claims for all of the unaccounted for online PNC Bank fraudulent debit card transactions are definitely the exact result of my old friend and now long-time stalker XXXX XXXX XXXX , who it appears defrauded me mostly throughout the month of XX/XX/XXXX on or near my birthday because unfortunately shes the only close friend that Ive had over the years who has realized that Ive definitely had a birthday in the month of XX/XX/XXXX, due to the fact that Ive had to give her workplace College Admissions Office and Continuing Education Office all of this information ever since Fall XXXX semester on Tuesday, XX/XX/XXXX. XXXX XXXX XXXX is the Public Information Officer and my former Disability Support Services Counselor at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I waited very patiently every day up until the end of the current business week on the last business day of Friday, XX/XX/XXXX, but I never received a follow-up call e-mail, unfortunately. I also havent received the XX/XX/XXXX PNC Bank bank statements that XXXX promised me and assured me that she would send me in the postal mail. \nXXXX XXXX was quick to basically shoot down my request so fast in terms of how quickly she denied my request that she simply denied my request so altogether when I requested that she e-mail me my XX/XX/XXXX bank statement. Furthermore, when I also expressed to her that having her send me my XX/XX/XXXX PNC Bank statement via e-mail was the faster and virtually more convenient method of sending me my XX/XX/XXXX bank statement, she was even quicker and more confidently with impressionable back-bone reiterated to me that that she definitely couldnt extend me the courtesy of giving me the PNC Bank XX/XX/XXXX bank statement. XXXX XXXX with a condescending tone of voice, continued to rudely talk over me for the remainder of the duration of the phone call with her both cold and highly dismissive attitude for no apparent reason, inspire of the fact that I was very polite and highly, no wait far too considerate in my tone of voice when speaking to her over the phone. \nI dont appreciate this type of treatment at all from PNC Bank XXXX \nFurthermore, I dont agree that XXXX as she claims in her e-mail addressed to me at date : XXXX ( ESDT ), Tuesday, XX/XX/XXXX. \nAlso, in the e-mail XXXX XXXX negligently and dishonestly lied about calling me before in the Thursday, XX/XX/XXXX. I never received any phone calls at all from XXXX XXXX before. \nFurthermore, I was heartbroken at the fact that XXXX XXXX didnt follow-up with me afterwards, like she deceptively promised me she would, to make matters worse, I definitely, naively anticipated that she would follow-up with me for nothing because I negligently didnt receive a single phone call or e-mail from XXXX XXXX. Overall, unfortunately, there was no further XXXX XXXX all afterwards since last Tuesday, XX/XX/XXXX. \nThis very strange, cold and its definitely very negligent, the irresponsible inability of XXXX XXXX, PNC Executive Client Services to follow-up with me afterwards. \nI dont feel like PNC took our business client relationship seriously at all and thats ridiculously horrendous, especially, considering the fact that I was a customer with PNC Bank for about 2 years ever since about XX/XX/XXXX. This is definitely terrible because its typically standard procedure for most banks to value long term customers and I was a PNC Bank client for about 2 whole years. \n\nThis is far too much negligence, in my opinion because its literally 7 months later and PNC Bank is still not giving me a sufficiently satisfactory answer to adequately explain to me the original source of all of these fraudulent online debit card transactions, which occurred on my PNC Bank account during the month of XX/XX/XXXX.","date_sent_to_company":"2021-10-10T15:18:39.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"98226","tags":null,"has_narrative":true,"complaint_id":"4800346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2021-10-10T14:08:15.000Z","state":"WA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["( 2. ) What are my options as far as having my claims actually <em>investigated</em>? \n( 3. ) Why werent my PNC Bank Fraud Claims initially <em>investigated</em>?"]},"sort":[11.12989,"4800346"]},{"_index":"complaint-public-v1","_id":"4858136","_score":10.545355,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am writing this correspondence regarding the grossly negligent mishandling of a disputed claim against a vendor by the investigation body at Chase bank. We purchased a misting machine for our outdoor patio from a company named XXXX. After much delay, we received a partial delivery of the product. We attempted to work with the company owner named XXXX XXXX to procure the missing parts necessary to install the unit. Mr. XXXX had promised to ship the missing pieces by XXXX XXXX XXXX XXXX. We never received the components, and we waited multiple weeks to see if he could make good on his promise. My wife re-contacted XXXX XXXX numerous times to obtain an update on the delivery of the missing items. XXXX XXXX provided one excuse after another as to why we had not received what we had paid for. We decided to return the merchandise to him. The mister cost XXXX ; we paid for the item using our XXXX XXXX Credit Card. \n\nMy wife attempted to initiate a return merchandise authorization on XXXX 's website. The section where it prompts you to put in your information to do the return is nonfunctional. She then called Mr. XXXX directly to facilitate the return process. When she called to speak to him to discuss returning the product, he did not answer. She left him a voice message advising she wanted to return the product. XXXX never bothered to return her call. She followed up with him by repeatedly calling him to leave voice messages and emails. Still, Mr. XXXX never responded. \n\nIt became apparent that XXXX had no intentions of providing a way for us to return the product. He just wanted us to go away. At this point, I got involved, repackaged the product, and took it to the postage store to send it back to him. I paid for the insurance as it is a high-value item and the cost to ship it. Mr. XXXX or his agent received the merchandise as they signed for it. I have already provided proof of that fact to Chase. My wife contacted Chase to file a complaint against the vendor. She explained in greater detail what had occurred to the Chase customer service rep taking the complaint. Chase reversed the charge pending further investigation into the matter. The agent. compiling the information, had advised the conversation was being recorded. \n\n\n\nOn XXXX XX/XX/2021, I reviewed my credit statement online when I discovered Chase had rebilled me for the {$1900.00}. Upon making this discovery at about XXXXXXXX XXXX, we re-contacted Chase to understand why they had rebilled us. The agent advised a letter was mailed to us on XXXX XX/XX/2021 detailing their finding. Most importantly, we received the Chase investigatory letter of finding on XXXX XX/XX/2021. My point is Chase had already refunded the money back to Mr. XXXX. Without allowing us to present evidence in support of the complaint. Chase elected to reverse the charge from my perspective without promptly notifying us. We had evidence on hand to support our position. In fact, at no point during this investigation did Chase ask us for any documentation. Also, I like to note, during our conversation with the rep. My wife and I reiterated the complaint we had initially made when we first called-conversation recorded per the agent. \n\n\n\n\nOn the other side of the token, a Chase rep. contacted the vendor, and he provided proof of delivery, but he said nothing about receiving the product back. To be clear, we never denied receiving the product from him. Per my conversation with a Customer Supervisor Rep. identified as XXXX XXXX, Chase sided with the vendor because we received the product. To be sure, that was never what we explained occurred. I believe the initial rep. did not accurately describe what we said happened.\n\nI request that the recorded conversation between the Chase rep. and my wife be reviewed as part of the investigation. I disagree that we told the Chase rep that we never received the product. I affirm that we received the product and returned it in a reasonable amount of time. As things stand now, Mr. XXXX has our money and the merchandise we returned. The individual ( s ) at Chase tasked with conducting this investigation failed to complete a thorough and impartial investigation. I also feel that someone at Chase does not want to be responsible for the mishandling of this investigation, so they want me to absorb their mistake. \n\n\n\n\nI was unable to speak to someone above a supervisor. I want this investigation to be re-opened, and the facts of our dispute investigated. Should you have any questions, please give me at XXXX or reach me by email at XXXX. I do not expect you to call me, but someone with real decision-making power would be of great importance to me. \n\n\n\nRespectfully XXXX XXXX","date_sent_to_company":"2021-10-29T22:29:05.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"77406","tags":null,"has_narrative":true,"complaint_id":"4858136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-10-29T22:16:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I also feel that someone at Chase does not want to be responsible for the mishandling of this <em>investigation</em>, so they want me to absorb their mistake. \n\n\n\n\nI was unable to speak to someone above a supervisor. I want this <em>investigation</em> to be re-opened, and the <em>facts</em> of our dispute <em>investigated</em>. Should you have any questions, please give me at XXXX or reach me by email at XXXX. I do not expect you to call me, but someone with real decision-making power would be of great importance to me."]},"sort":[10.545355,"4858136"]},{"_index":"complaint-public-v1","_id":"1987168","_score":10.454414,"_source":{"product":"Mortgage","complaint_what_happened":"Nationstar ' response, XXXX XXXX, XXXX provides no explanation or investigation into facts or requests presented them and confirms Nationstar ' ( NSTR ) incorrect conclusion alleging they performed an NPV test under DOJ when clearly decline is based on a XXXX review, based on the provided chart in the XXXX/XXXX/XXXX. Nationstar provided an email communication between XXXX XXXX and XXXX XXXX of NSTR, with no underlying documents other than the letter itself. ( Attached ) The complaint simply requests VERIFICATION that the XXXX/XXXX/XXXX decline letter for DOJ program was is in fact correctly underwritten for the DOJ program and for NSTR to provide conclusive confirmation that this was a DOJ decision and not a XXXX decision that disallows loans with balances greater than XXXX. NSTR ' continuing references to prior letters, have not addressed this specific complaint are non-responsive and assert that the file was declined, by restating the very letter that is in question, thereby engaging in an effectively circular argument. We are requesting validation under DOJ of XXXX performed by NSTR : This complaint is based on XXXX ' letter of XXXX/XXXX/XXXX and addressed to XXXX CA XXXX. wherein NSTR claimed that my file was evaluated under the DOJ Program. ( DOJ/XXXX ) & resulted in a negative NPV. This statement is materially false and NSTR ' incorrect justification for decline. ( Attached ) A letter of complaint has been sent to XXXX. of CA XXXX XXXX by XXXX XXXX, XXXX/XXXX/XXXX which has not been responded to by XXXX in any fashion. ( Attached ) NSTR confirmed that \" NSTR only facilitated documentation creation for DOJ program and an actual calculation of data was run by prior servicer, the previously enclosed DOJ letter of declination, XXXX/XXXX/XXXX, provides the inputs used in the review. \" This further confirms NSTR ' absent investigation into facts, and apparent negligent reliance on a XXXX review in XXXX XXXX, performed by prior servicer, and only facilitated by NSTR. No comprehensive or analytical research was conducted as required under the XXXX Model XXXX, Supplemental Directive and DOJ guidelines as required under Successor Servicer obligations under Stipulated Judgment when a homeowner provides an Appeal on issues of NPV and erroneous inputs. This is clearly a XXXX underwriting chart that includes only XXXX correction which was the Appraised Value of {$680000.00}, however the chart makes no offsetting provisions for current outstanding loan balance as {$860000.00} ( field # 16 ) thereby rendering this particular run as ineligible since it exceeds the XXXX program limit of {$720000.00}. NSTR is using disqualifying and erroneous inputs without understanding their results or the proper methodology for proper NPV evaluations or the difference between DOJ and XXXX NPV modeling. This declination can not be based on the input fields pertaining to mark to market and principle reduction which are shown on the chart and labeled as \" null '' and considered valid. NSTR created a fail for an altogether different program and uses this as justification for the decline. NSTR even fails to understand based on the income in the file from XXXX that under the 42 % debt-to-income guideline, it is impossible to fail the DOJ program which was designed as \" retest until pass program '' as outlined in DOJ Stipulated Judgement, Exhibit I, Page XXXX that addresses XXXX XXXX In all cases, the adjustments must be limited so as to provide a positive NPV, with the calculation based on Treasury NPV model outcome. Therefore, we continue to request under \" Qualified Written Request '' the Real Estate Settlement Procedures Act, codified as Section XXXX ( XXXX ) of Title XXXX of the United States Code. ( XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting : 1 ) All runs-of-record for NPV modeling conducted by both Nationstar and XXXX XXXX XXXX, 2 ) Run Dates 3 ) Code version of runs 4 ) Any error codes results.","date_sent_to_company":"2016-06-28T12:22:18.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"91001","tags":null,"has_narrative":true,"complaint_id":"1987168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2016-06-27T21:49:49.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["into <em>facts</em>, and <em>apparent</em> <em>negligent</em> reliance on a XXXX review in XXXX XXXX, performed by prior servicer, and only facilitated by NSTR."]},"sort":[10.454414,"1987168"]},{"_index":"complaint-public-v1","_id":"7295566","_score":9.914081,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I believe I've been a Discover customer for more than 30 years. Discover has a history of aggressively promoting 0 % or low rate balance transfers to me. I accepted many of them solely to take advantage of LOW interest rates. I have no recollection of ever knowingly accepting a cash advance ... which tends to have HIGH fees and interest rates ( which would be the exact opposite of my intentions with balance transfers ). All factors otherwise being equal, I wouldn't knowingly agree to allowing a high interest rate cash advance to remain outstanding for an extended time as I have multiple available credit facilities with low interest rates. On or about XX/XX/XXXX ( during the Covid epidemic ), I accepted the terms of a Discover balance transfer promotion by visiting the website and providing balance transfer details for {$990.00}. I believe it was my intention to transfer the balance of my XXXX XXXX XXXX  that is otherwise paid from my XXXX checking account. As I have told Discover numerous times, I don't recall ever seeing any notification of a cash advance being marketed nor do I recall ever seeing XXXX XXXX XXXXXXXX or disclosure information regarding a cash advance ... which would have been a warning sign to me that I was applying for the wrong product. I notified Discover more than 10 times ( and advised more than 20 staff ) that the balance transfer was mistakenly categorised as a cash advance. Discover recurrently acknowledged my complaint, said it was being investigated and temporary credits were being issued. I assumed this meant the matter was resolved and the balance transfer was duly recorded. Years later, Discover has said a number of troubling or conflicting things, ie the balance transfer ( accruing interest at 28.99 % ) was a promotion that expired ( despite no notification to me on application ) and is therefore a cash advance, the balance transfer destination invalidated the promotion offer ( despite no notification to me ), the temporary credits were not an indication the matter was resolved ( despite no timely notification to the contrary ), my payments over the past few years have been applied to the lower interest rate balance on my account and not the higher interest rate balance transfer / cash advance, there is no record of my application for the balance transfer promotion, I didn't apply for a financial product, Discover staff don't know if it's regulated or by which agency, there is no further internal appeal process, there is no Compliance department I can speak with, there is no external regulator I can contact for assistance, etc. Never has a Discover staff member offered me the opportunity to pay-off the Balance Transfer / Cash Advance and reverse the penalty interest charges, During a recent call, the Discover staff member seemed confused about how to do this. XXXX XXXX, I contacted Discover XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe Discover has no idea what promotion they offered me and I applied for ( including associated XXXX XXXX XXXX and disclosures ). Moreover, they seem to have a predatory attitude towards the apparent lack of transparency when enticing me to benefit from a low interest rate when I fact I received an exceptionally high interest rate for the same advance amount to the same institution. Additionally, the apparent lack of accountability of customer support and supervisory staff requires me to recurrently call and check on the progress of my complaint... while Discover continues to earn above market returns that are not reflective of the promoted offer. Given the volume of my contact points, I can only assume this is intentional or negligently unintentional. Lastly, Discover customer support and supervisory staff seem to have no idea that they are regulated.","date_sent_to_company":"2023-07-25T01:58:43.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"97008","tags":null,"has_narrative":true,"complaint_id":"7295566","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-07-25T00:57:36.000Z","state":"OR","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Moreover, they seem to have a predatory attitude towards the <em>apparent</em> lack of transparency when enticing me to benefit from a low interest rate when I <em>fact</em> I received an exceptionally high interest rate for the same advance amount to the same institution."]},"sort":[9.914081,"7295566"]},{"_index":"complaint-public-v1","_id":"2122206","_score":9.780592,"_source":{"product":"Mortgage","complaint_what_happened":"Nationstar ' most recent response dated XXXX XXXX, XXXX states \" Furthermore, please be advised Nationstar can not attest to the prior servicer 's actions, including their obligation, underwriting, or lending processes. '' This claim blatantly incorrect and contradicts the XXXX DOJ Stipulated Judgement wherein it addresses the obligation of both XXXX and any successor servicer : Pages XXXX and XXXX addresses \" Ordinary Transfer of Servicing from Servicer to Successor '' ( exhibit attached ) b. Any contract for the transfer or sale of servicing rights shall obligate the successor servicer to accept and continue processing pending loan modification requests 2. Transfer of Servicing to Servicer. When Servicer acquires servicing rights from another servicer, Servicer shall ensure that it will accept and continue to process pending loan modification requests from the prior servicer, and that it will honor trial and permanent loan modification agreements entered into by the prior servicer. \nNSTR 's claim is contrary to the settlement. No explanation or investigation into facts or requests presented has been conducted. Nationstar ' ( NSTR ) incorrect conclusion alleging they performed an NPV test under DOJ when clearly they have wrongly decline is based on a MHA/HAMP review, based on the provided chart in the XXXX/XXXX/XXXX. Nationstar provided an email communication between XXXX XXXX and XXXX XXXX of NSTR, with no underlying documents other than the letter itself. ( Attached ) XXXX XXXX XXXX requests \" figures used to calculate the NPV '', and XXXX XXXX response states \" this is what I found from our XXXX denial ''. Nothing was provided other than the decline itself. \nWe allege that the XXXX/XXXX/XXXX denial for was underwritten for the HAMP and not DOJ program and NSTR has not provided confirmation that this was a DOJ decision instead of MHA that disallows loans with balances greater than XXXX. NSTR ' continuing references to prior letters have not addressed are non-responsive. We are requesting validation under DOJ of NPV performed by NSTR as claimed in the INTEROFFICE EMAILS : Additionally, NSTR 'response letter of XXXX/XXXX/XXXX to Ofc. of CA Att. Gen. wherein NSTR claimed my file was evaluated under the DOJ Program & resulted in a negative NPV is materially false. Another complaint letter has been sent to Ofc. of CA Attn. Gen. by, ( XXXX/XXXX/XXXX ) NSTR confirmed that \" NSTR only facilitated documentation creation for DOJ program and an actual calculation of data was run by prior servicer, the previously enclosed DOJ letter of declination, XXXX/XXXX/XXXX, provides the inputs used in the review. \" This further confirms NSTR ' absent investigation into facts, and apparent negligent reliance on a HAMP review in XXXX XXXX, performed by prior servicer, and only facilitated by NSTR. No comprehensive research was conducted as required under the MHA Model XXXX, Sup.Directive and DOJ as required under Successor Servicer obligations under Stipulated Judgment when a homeowner provides an Appeal on issues of NPV and erroneous inputs. This is clearly a HAMP underwriting chart that includes only one correction which was the Appraised Value of {$680000.00}, however the chart excludes offsetting provisions for current outstanding loan balance as {$860000.00} ( field # XXXX ) thereby rendering this run as ineligible since it exceeds the HAMP program limit of $ XXXX.NSTR is using disqualifying inputs without understanding their results or the methodology for properNPV evaluations or the difference between DOJ and MHA NPV modeling.The input fields pertaining to MTM and principle reduction are shown on the chart and labeled as \" null '' which are inconsistent with a DOJ MTM NPV run.NSTR created a fail for an altogether different program and uses this as justification for the decline. Therefor we now request a Meeting with an Executive Level Manager to address these issues immediately.","date_sent_to_company":"2016-09-20T23:42:38.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Other mortgage","zip_code":"91001","tags":null,"has_narrative":true,"complaint_id":"2122206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2016-09-20T23:42:37.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Gen. by, ( XXXX/XXXX/XXXX ) NSTR confirmed that \" NSTR only facilitated documentation creation for DOJ program and an actual calculation of data was run by prior servicer, the previously enclosed DOJ letter of declination, XXXX/XXXX/XXXX, provides the inputs used in the review. \" This further confirms NSTR ' absent <em>investigation</em> into <em>facts</em>, and <em>apparent</em> <em>negligent</em> reliance on a HAMP review in XXXX XXXX, performed by prior servicer, and only facilitated by NSTR."]},"sort":[9.780592,"2122206"]},{"_index":"complaint-public-v1","_id":"15130747","_score":9.643393,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : LEGAL DEMAND FOR REMOVAL AND PRODUCTION OF INVESTIGATION RECORDS Account : XXXX XXXX XXXX XXXXXXXX This letter constitutes a formal legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing the accuracy of a 30-day late payment reported on my XXXX XXXX XXXXXXXX account and demanding immediate removal based on your failure to conduct a reasonable reinvestigation as required by federal law.\n\nI submitted my dispute through the CFPB regarding an inaccurate 30-day late payment for XX/XX/XXXX. On XX/XX/XXXX, you responded claiming to have \" completed investigation '' and \" updated '' various fields, but the disputed late payment remains on my report. Your response stated that \" HISTORICAL ACCOUNT INFORMATION WAS UPDATED '' and various fields were \" MODIFIED, '' but you failed to address the core issue : the disputed late payment is inaccurate and should be removed. I categorically state that my XX/XX/XXXX payment to XXXX  XXXX XXXX was made on time, and my payment for XX/XX/XXXX was also made on time. The fact that XXXX  reports this account as \" Pays as agreed '' with no delinquencies while you report late payments demonstrates a clear accuracy problem that your so-called \" investigation '' failed to resolve.\n\nYour company has violated multiple provisions of the FCRA. Under 15 U.S.C. 611 ( a ) ( 1 ), you are required to conduct a \" reasonable reinvestigation '' of disputed information. Your response indicates you simply contacted the data furnisher, made cosmetic updates to various fields, but failed to address the substantive accuracy issue I raised. Making technical updates while ignoring the core dispute does not constitute reasonable reinvestigation under established case law. Under 15 U.S.C. 611 ( a ) ( 5 ) ( A ), if reinvestigation does not resolve the dispute, you must delete the information. Your response admits the dispute was not resolved since you made \" updates '' rather than addressing my specific claim that the late payment is inaccurate. The discrepancy between bureaus and my direct assertion of timely payment clearly indicates the information can not be verified as accurate. Under 15 U.S.C. 607 ( b ), you must follow reasonable procedures to assure maximum possible accuracy. Reporting information that contradicts other bureaus and consumer assertions, while making only cosmetic updates, violates this requirement.\n\nI hereby demand that you immediately provide me with the following documentation related to your investigation of my dispute, as I am entitled to this information under the FCRA and to evaluate the adequacy of your reinvestigation. First, provide complete copies of all Automated Consumer Dispute Verification ( ACDV ) forms sent to XXXX XXXX XXXX regarding my dispute, including all codes, fields, and data transmitted. Second, provide all responses received from XXXX XXXX XXXXXXXX, including any Method of Verification ( MOV ) documentation, supporting records, or verification materials they provided to substantiate the disputed late payment. Third, provide your complete investigation file for my dispute, including all internal communications, notes, procedures followed, and decision-making records explaining why you made \" updates '' instead of addressing the accuracy of the disputed late payment. Fourth, provide documentation of what specific investigation procedures you followed beyond simply forwarding my dispute to the data furnisher and making cosmetic field updates. Fifth, provide any analysis you conducted regarding the discrepancy between your reporting and XXXX XXXX reporting of the same account. Sixth, provide documentation showing what efforts you made to verify the accuracy of the disputed late payment beyond accepting the data furnisher 's response and making technical updates to unrelated fields.\n\nIf you can not provide this documentation, or if the documentation shows that you failed to conduct a reasonable reinvestigation of the specific accuracy issue I raised, you must immediately delete the disputed late payment from my credit report as required by 15 U.S.C. 611 ( a ) ( 5 ) ( A ). Your failure to address the substantive accuracy dispute, combined with the clear evidence of inaccuracy ( discrepancy between bureaus and my assertion of timely payment ), mandates removal of this information. Making cosmetic updates to various fields while ignoring the core dispute demonstrates either willful disregard for FCRA requirements or negligent failure to understand your legal obligations.\n\nI also demand immediate removal of the disputed 30-day late payment from my XXXX credit repo\n\nrt , written confirmation of removal within five business days, notification to all third parties who received my credit report in the past six months regarding the correction, and production of all investigation documentation listed above within ten business days. This demand is made under penalty of federal litigation. If you fail to comply within ten calendar days of receipt, I will file a federal lawsuit under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) seeking statutory damages up to {$1000.00}, actual damages, punitive damages, attorney fees, and\ncourt costs. I will also file complaints with appropriate regulatory authorities including the state attorney general.\n\nYour previous response demonstrates either willful disregard for FCRA requirements or negligent failure to follow proper procedures. Making technical updates to unrelated fields while ignoring the substantive accuracy dispute shows a pattern of inadequate dispute handling that supports federal litigation with significant monetary exposure for your company. The evidence strongly supports my position : the discrepancy between credit bureaus, my direct assertion of timely payment, and your apparent failure to conduct meaningful reinvestigation of the specific accuracy issue beyond making cosmetic updates.\n\nI am preserving all records related to this matter for potential litigation, including your inadequate response that failed to address the core dispute, the contradictory credit reports, and documentation of damages caused by your inaccurate reporting. Your company 's pattern of inadequate dispute handling, as evidenced by making cosmetic updates while ignoring substantive accuracy issues, suggests systemic FCRA violations that warrant aggressive legal action. \n\nThis is your final opportunity to resolve this matter before I pursue all available legal remedies. The law is clear, the facts support my position, and your liability exposure is significant. Your previous response 's failure to address the core accuracy issue while making irrelevant technical updates demonstrates either incompetence or willful noncompliance with FCRA requirements.\n\nRespond within ten days with confirmation of removal and production of investigation records, or expect to receive a federal lawsuit.","date_sent_to_company":"2025-08-06T03:53:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"915XX","tags":null,"has_narrative":true,"complaint_id":"15130747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-06T03:47:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The <em>fact</em> that XXXX  reports this account as \" Pays as agreed '' with no delinquencies while you report late payments demonstrates a clear accuracy problem that your so-called \" <em>investigation</em> '' failed to resolve.\n\nYour company has violated multiple provisions of the FCRA. Under 15 U.S.C. 611 ( a ) ( 1 ), you are required to conduct a \" reasonable reinvestigation '' of disputed information."]},"sort":[9.643393,"15130747"]},{"_index":"complaint-public-v1","_id":"9988462","_score":9.57783,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX Ally Bank is negligent of not investigating previously canceled recurring XXXX transfers that reappear several months after they were canceled and result in unauthorized attempts to make withdrawals from customers accounts. In addition, Ally Banks record keeping practices regarding customers requests to schedule, modify, and cancel recurring XXXX transfers are weak as they allow deletion of the information. \n\nDear CFPB, I am writing to express my deep concern regarding an attempt of Ally Bank to transfer funds in amount of {$2700.00} from my checking account on XX/XX/XXXX, which Ally Bank claims were part of a recurring monthly XXXX transfer. This incident is troubling given the fact that I had explicitly canceled the entire recurring transfer series in question on XX/XX/XXXX. \n\nOn XX/XX/XXXX I had scheduled a recurring monthly XXXX transfer in the amount of {$2700.00} from my checking account ending in XXXX to one of my XXXX recipients XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) at XXXX with the initial transfer anticipated to occur on XX/XX/XXXX and then on the XXXX of every subsequent month ( XX/XX/XXXX, XX/XX/XXXX, etc ). However, subsequently I canceled the entire series of the recurring transfers on XX/XX/XXXX. In addition, in XX/XX/XXXX, I canceled absolutely all remaining ( I had at least three other recurring XXXX transfers with Ally Bank at that time ) recurring transfers associated with my account. At the end of XX/XX/XXXX I also verified through my online banking that no outstanding future scheduled XXXX transfers were showing up on my account. \n\nDespite these clear cancellations, there was an unexpected attempt to make a XXXX transfer from my account on XX/XX/XXXX for the amount matching the previously canceled recurring transfer. When I contacted Ally Bank and learned that my account was blocked due to not enough funds to cover the transfer I informed Ally Bank that the transfer attempt was clearly a banks error since I had canceled all recurring transfers months prior. The Ally Banks representative I was conversing with acknowledged the cancellation I had made in XXXX and indicated that they would file a report ( case number XXXX ) so that Ally Bank would investigate the matter. \n\nHowever, my subsequent inquiries about the status of this investigation have yielded unsatisfactory results. The bank has informed me that they can not locate a record of my earlier cancellation, despite my clear recollection and previous correspondence. Ally Bank was using the cancellations that were processed on or after XX/XX/XXXX ( those that were done after the fact to correct the problem that had already occurred ) as an excuse not to investigate the issue. The text of the original report that Ally Banks representative had filed as case number XXXX also can not be located by the banks representatives. The bank had claimed that no cancellations of the recurring transfer had occurred ( according to the records that they have ) prior to XX/XX/XXXX. \nIt is important to note that if the recurring transfer had not been canceled prior to XX/XX/XXXX, it would have been expected to be processed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The fact that no such transfers occurred during these periods strongly suggests that a cancellation was indeed in place. The attached correspondence with Ally Bank shows that they are aware that a cancellation of the recurring transfer originally scheduled for XX/XX/XXXX has happened on XX/XX/XXXX, however, to my additional questions whether, according to the Ally Banks records, that cancellation was for the entire recurring sequence of transfers or not Ally Bank has not responded. \n\nIn one of the conversations I had with Ally Bank on XX/XX/XXXX I asked Ally Banks representatives to check the history of the email communications that Ally Bank had with me with regards to my account activities. Such correspondence history should have included all confirmations of my XXXX transfers cancellation requests and would help Ally Bank to identify using their internal data on what dates my recurring transfer sequence cancellation requests had occurred. Ally Banks representative informed that they do not have access to the history of the email communications prior to XX/XX/XXXX. During that conversation I had made a request for reasonable accommodations under the Americans with Disabilities Act to Ally Bank to restore my email communications with Ally Bank since XX/XX/XXXX ( request reference number XXXX ). In the attached document I am enclosing Ally Banks Executive Customer Relations representatives response to my request claiming that Ally Bank can not accommodate it and not providing any explanation of whether granting me the requested reasonable accommodation would constitute an undue burden on the bank or would require the bank to fundamentally alter the nature of the service it provides to the public. \n\nI believe that the described incident of Ally Banks attempting to perform a transfer that was canceled by the customer months prior and the banks inability to properly investigate the cause of that is indicative of a serious flaw in Ally Bank 's or its vendor 's system, which is allowing unauthorized transfer attempts to occur. Furthermore, the bank 's failure to investigate this issue thoroughly and its apparent deletion of relevant requests history demonstrate the Banks lack of due diligence. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-09-03T02:01:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"021XX","tags":null,"has_narrative":true,"complaint_id":"9988462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-09-03T01:52:12.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Furthermore, the bank 's failure to <em>investigate</em> this issue thoroughly and its <em>apparent</em> deletion of relevant requests history demonstrate the Banks lack of due diligence. \n\nThank you for your prompt attention to this matter."]},"sort":[9.57783,"9988462"]},{"_index":"complaint-public-v1","_id":"6357327","_score":9.259302,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To : XXXX XXXXXXXX XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/2022 RE : TD Bankss Response to CFPB Complaint # XXXX Dear XXXX XXXX XXXX Thank you for your response dated XX/XX/2022 to my CFPB Complaint # XXXX. Unfortunately, much of the information provided to you for your response was either incomplete or incorrect. \n\nAs you suggested, I am contacting you now to request a response to the following facts and questions outlined below. I have highlighted questionable banking processes. \n\nFollowing are quotes from your response letter, identified as TD Bank, followed by the facts : TD Bank : In your complaint you allege on XX/XX/2022, you processed an international wire transfer and learned later that day it was a scam. \n\nFACT : I completed an international wire transfer request and learned two hours later it was a scam. Processing that request by TD Bank was the first questionable banking process. The wire transfer form I signed stated if funds were not in the account the transfer would be cancelled. I told the bank attendant funds in my checking account for the wire were from XXXX XXXX I left TD bank with the understanding my request would be reviewed/approved by the branch manager that afternoon. When TD Bank processed the request the balance in my checking account was approximately XXXX, far short of the XXXX  required for the wire transfer. Instead of adhering to TDs policy of cancelling the transfer XXXX was pulled from my savings account and deposited to my checking account and subsequently sent to XXXX XXXX. Given the circumstances ( i.e., knowing the XXXX} was coming from XXXX XXXX  ), the common practice of pulling funds from one account ( savings ) to cover shortfalls in another account ( checking ), as explained by the bank manager, is unacceptable. \n\nThe second questionable banking process ( or lack of ) is identifying the various stopping points of the funds enroute to the final destination and how those points are determined. When I signed the transfer request I was told it would take three to five days for the funds to be sent to the international bank, giving TD Bank time to check if there were any problems with the transfer. In subsequent correspondence ( letter from TD bank ) I was told the funds were sent to XXXX XXXXXXXX XXXX  and in another correspondence ( TD Banks response to my CFPB complaint ), funds are sent immediately upon request to the receiving bank. \n\nTD Bank : You went to the store and filed a claim and Request to Return Funds due to fraud was completed. \n\nFACT : This is the beginning of the incorrect and incomplete information you received in writing your response. I did not go to the store. I did not file a claim and Request to Return Funds. I called the Branch manager who said she would file a claim with the Fraud Division. She said nothing else could be done. She then forwarded me to the Fraud Division whose staff were helpful in closing my accounts and submitting a request for new accounts. A questionable banking process, or rather lack of a process, leads me to believe the Branch manager does not have a procedure for reporting fraud. In this case, she initially reported the fraud to one ( Fraud Division ) of the two divisions responsible for addressing the fraud and told me nothing else could be done. It wasnt until I talked with my contact at the XXXX and XXXX XXXX XXXX and learned the Branch manager had not filed the request. I called the Branch Manager and she agreed to send a Request to Return Funds due to fraud to the International and XXXX XXXX XXXX and did so within an hour, just before bank closure at XXXX on XX/XX/2022. \n\nTD Bank : XXXX was opened, and the investigation resulted in your being informed that the funds were withdrawn from the international bank and there are no funds remaining. You do not agree with this and feel it was a failed investigation, and you request that we review it again. \n\nFACT : My claim of a failed investigation, more accurately stated as no investigation, was not based on being told the funds were withdrawn from the international bank and there are no funds remaining. That was obvious. It was based on my correspondence with TD Bank employees between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Most of the information I received during my correspondence with TD Bank XXXX was false, leading me to believe someone was attempting to cover-up the facts in this case. The alleged cover-up became obvious to me during my correspondence with a TD Bank employee when I called XXXX on XX/XX/2022, with questions about a letter I received stating the funds had been sent to XXXX XXXX XXXX  ( Receiver Bank ) . I asked the status of the funds. After a lengthy time on hold, the TD Bank employee returned to tell me the funds were with the Federal Reserve, the agency that works with TD Bank and the International bank to resolve the problem. The Narrative from XXXXXXXX XXXX XXXX informing TD Bank on XX/XX/2022 the funds were transferred on XXXXXXXX XXXX XXXX  to the International Bank in XXXX proved the information I received from TD Bank employees between XX/XX/2022 and XX/XX/2022 was false. A questionable banking process is the lack of accountability for information provided to customers and the apparent failure to document said information, leading in this case to an apparent cover-up. \n\nThe Narrative from XXXX XXXX XXXX informing TD Bank on XX/XX/2022 the funds were transferred on XX/XX/2022 to the XXXX XXXX  in XXXX is a questionable banking process given the international Bank does not participate in any attempt to stop fraud given their procedure is to contact the recipient ( an accomplice to the scam ) to request return of the funds and their instruction to TD Bank is to contact the recipient directly for any request to return funds in the future. Does XXXX XXXX XXXX  in XXXX operate under the same policy? Are there no standards for banks operating in XXXX? \n\nThe Narrative confirms my belief TD Bank and XXXX XXXX XXXX  were, at the very least, negligent in preventing fraud. There is more to this case that warrants further investigation. \n\nTD Bank : We have reviewed your concerns and confirmed the investigation was handled correctly and did not fail. On XX/XX/2022 XXXX. XXXX XXXX contacted you and advised you that this was investigated and a wire recall was initiated, however we received the response that no funds remained via indemnified recovery. \n\nFACT : XXXX. XXXX XXXX XXXX ( not XXXX ), TD Bank XXXX XXXX XXXX XXXX, called me from his NY home office on XX/XX/2022. He was not aware of the investigation by the International and XXXX XXXX XXXX ( i.e., the investigation I referred to throughout my correspondence with individuals and agencies, documenting the details of what was portrayed as an investigation ). He was calling in response to the report filed by the Fraud Division. After a brief discussion he concluded the investigation was handled correctly. He agreed to review the letter I sent to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022, and then discussing the case with me. I emailed the letter to him and followed up several days letter. Although he did not respond to me, I see he is the only person quoted although he had no knowledge of the investigation of the case by the International and XXXX XXXX XXXX when he called me on XX/XX/2022. \n\nTD BANK : Our wire team has done everything possible to try to recover the funds. The beneficiarys bank stated the funds have already been withdrawn. TD Bank investigated the process to recall the wire and learned there were no delays or errors. Please note that recall attempts are never guaranteed but we make every effort to recover funds when possible. International wires are sent immediately upon request, and we do apologize that you were given incorrect information regarding the timing. We recommend that you contact the federal and local authorities in the foreign city where you sent the money. \n\nFACT : The incorrect information I received was far reaching, beyond the timing, and was suspicious. The above TD Bank statement is a summary of the incomplete and incorrect information provided throughout TD Banks response to my CFPB complaint. Please refer to the previous listed FACTS for the correct information. \n\nFollowing are my questions with responses from TD BANK in bold followed by the FACTS : 1. Where did the funds go immediately after withdrawal from my checking account? The wire was sent out immediately to the Beneficiary as you instructed. \n\nFACT : I did not instruct TD Bank to send the funds to the Beneficiary immediately. When I signed the transfer request I was told there is a holding period of between three and five days before the funds would be sent to the beneficiary. \n\n2. What specifically did the investigator do in conducting the investigation of my case? The case was created XX/XX/2022, the investigator received the case on XX/XX/2022 and sent an email out to the store to submit a Fraud intake form and sent out a recall for the Wire Via our XXXX XXXX Please keep in mind that XX/XX/XXXX was the holiday weekend. TD Bank may have been closed but other countries were not. \n\nFACT : TD Bank was not closed on XX/XX/2022. The holiday weekend was XXXX XXXX XXXX I received a call from TD Bank on XX/XX/2022 stating the investigator requested detailed information about the scam. I provided the information. Your response to my question asking what the investigator did in conducting the investigation indicates the only action by the investigator was sending an email to the store and a recall for the Wire via your correspondent Bank. Was the recall sent to XXXX XXXX XXXX or to XXXX  Wire Transfer Investigators or to another agency? \n\n3. What role does XXXX XXXX have in TD Banks International Wire Transfers? XXXX XXXX is our correspondent bank. Every bank has a correspondent bank while sending an international wire. \n\nFACT : I know XXXX XXXX Bank is TD Banks correspondent bank and that XXXX XXXX has a bank in XXXX. My question is what role does XXXX XXXX Bank have in TD Banks International Wire Transfers? I was informed by TD Bank, via a letter, my funds were sent from TD Bank to XXXX XXXX Bank. What was the location of the XXXX XXXX Bank? Did XXXX XXXX Bank send the funds to their bank In XXXX and then to the receiver bank? If so, did they decide when the funds were sent to the receiver bank? \n\n4. What role if any does the Federal Reserve have in TD Banks International Wire Transfers? The wire process via the XXXX XXXXXXXX system or via XXXX XXXX system. The Federal reserve has nothing to do with a wire. \n\nFACT : As previously noted, I called XXXX on XX/XX/2022 with questions about a letter I received stating the funds had been sent to XXXX XXXX XXXX  XXXX referred to as the Receiver Bank ). I asked the status of the funds. After a lengthy time on hold, the TD Bank employee returned to tell me the funds were with the Federal Reserve, the agency that works with TD Bank and the International bank to resolve the problem. Based on this and previous contacts with TD employees I suspect there was a cover-up. \n\n5. Who are the parties in the attached NARRATIVE, namely the XXXX, We and Your? TD Bank is the bank who initiated the wire, and our correspondent bank is XXXX XXXX. \n\nFACT : I know TD Bank is the bank who initiated the wire and XXXX XXXX Bank is the correspondent bank. Who is ATTN? ATTN wrote the Narrative received by TD Bank on XX/XX/2022 and are identified as ATTN wire transfer investigations. ATTN acknowledged receipt of your cancellation request dated XX/XX/2022 concerning your payment for USD XXXX dated XX/XX/2022. Who is your? Who paid? Who sent the cancellation request? TD Bank or XXXX XXXX XXXX? The funds were paid XX/XX/2022 confirming the false information I received by TD employees throughout what I was led to believe was an investigation of the case. \n\n6. When and by whom were the funds sent to and received by the XXXX XXXX XXXX? The funds were received by the Beneficiary that the wire was sent to, we received an incoming Swift message on XX/XX/2022 that the funds have been withdrawn and there were no funds in the account therefore the correspondent bank closed their case, in turn we must close our case. \n\nFACT : You did not answer the question. I see from the Narrative sent by ATTN  Wire Transfer Investigations the funds were received by the XXXX XXXX XXXX  the same day I initiated the request for the wire transfer. If the funds were sent from TD Bank to XXXX XXXX XXXX, as I was told, did XXXX XXXX XXXX  send the funds? If not, who did? \n\n\n7. What is the procedure for processing reimbursement of funds by TD Bank for my loss resulting from a misleading and failed investigation of my case # XXXX? When the store files a fraud intake form, the Fraud team will contact the customer on the issue, as mentioned above this occurred on XX/XX/2022. \n\nFACT : You did not answer the question. XXXX. XXXX XXXX XXXX contacted me on XX/XX/2022. He was not aware of the investigation Ive referred to throughout this document. \n\nI hereby request TD Bank reimburse me for the stolen money and instruct me as to the procedure for doing so. \n\nFinal Comment My final comment refers to the certified letter I sent to XXXX XXXX, Vice President/Regional Marketing Manager, XXXX XXXX XXXX XX/XX/2022, describing the scam in detail. \n\nI was told by the XXXX TD Bank Branch staff that I would have to give them the letter to deliver to XXXX XXXX and later they told they would give him my telephone number and ask that he call me. \n\nI found XXXX XXXX address and sent the certified letter to him on XXXX XXXX. I sent a copy of the letter to the Branch manager at the TD Bank in XXXX, MD. \n\nAlthough I received confirmation via a U.S. Postal Service phone message ( XXXX with my tracking number ) my letter was delivered on XX/XX/2022, at XXXX XXXX, I did not receive the return receipt. \n\nWhen I didnt hear from XXXX XXXX I called the U.S . Postal Service on XX/XX/2022 with my Return Receipt Tracking Number. \n\nXXXX XXXX, the XXXX MD XXXX XXXX XXXX called me soon after to confirm XXXX XXXX mailing address. I confirmed and XXXX XXXX informed me the letter I sent was signed in the parking lot of the recipients address. \n\nOn XX/XX/2022, XXXX XXXX sent an email to me informing me my service request had been resolved ; they were unable to locate the letter and therefore it was not delivered as addressed. \n\nI did not agree my service request was resolved. An USPS Employee delivered the letter. I wanted to know the details of the delivery and asked for the USPS manager responsible for providing the information. I did not hear from XXXX XXXX. \n\nMy experience with the letter to XXXX XXXX and all the facts I provided in this document led me to conclude I needed to consult with a higher authority. I reached out to the Federal Reserve Bank and was informed the Consumer Financial Protection Bureau ( CFPB ) was the government agency responsible for addressing my complaint. I sent my complaint to the CFPB and they forwarded it to TD Bank. TD Bank responded. This document is my response to TD Bank.","date_sent_to_company":"2022-12-23T18:12:05.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"21701","tags":"Older American","has_narrative":true,"complaint_id":"6357327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2022-12-23T17:56:17.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A questionable banking process is the lack of accountability for information provided to customers and the <em>apparent</em> failure to document said information, leading in this case to an <em>apparent</em> cover-up."]},"sort":[9.259302,"6357327"]},{"_index":"complaint-public-v1","_id":"2211553","_score":8.82366,"_source":{"product":"Mortgage","complaint_what_happened":"There is a legal correspondence dated XXXX XXXX, XXXX to the Executive offices of Nationstar. Nationstar has yet to provide the information requested to XXXX XXXX 's prior letter dated XXXX XXXX, XXXX. In the abundance of caution, XXXX XXXX has sent a letter of Complaint from the Law offices of XXXX XXXX along with a settlement proposal dated XXXX XXXX, XXXX, as a follow-up to his unanswered XXXX XXXX, XXXX Letter. \nNationstar ' response dated XXXX XXXX, XXXX states, \" Furthermore, in regards to the internal correspondence provided in a resolution package : please understand the conversation was regarding your request for an appeal of the loss mitigation decision with the prior servicer, for which we have provided a Decision Letter .... '' Nationstar ' prior letter dated XXXX XXXX, XXXX states \" Furthermore, please be advised Nationstar can not attest to the prior servicer 's actions, including their obligation, underwriting, or lending processes. '' Nationstar continues these evasive and convoluted responses which go to the heart of the issue that Nationstar 's investigation is solely limited to \" provid ( ing ) a Decision Letter '' which we have maintained is erroneous and uses incorrect information and inputs. \nNationstar provided an email communication between XXXX XXXX and XXXX XXXX of NSTR, with no underlying documents other than the letter itself. ( Attached ) XXXX XXXX XXXX request \" figures used to calculate the NPV '', and XXXX XXXX response states \" this is what I found from our XXXX denial ''. No figures are provided. \nWe allege that the denial was underwritten for the XXXX and not the XXXX program and XXXX has not provided confirmation that this was a DOJ decision instead of XXXX that disallows loans with balances greater than XXXX. XXXX ' continuing references to prior letters have not addressed this specific complaint and are non-responsive. We are requesting validation under DOJ of XXXX performed by XXXX as claimed in the INTEROFFICE EMAILS : Additionally, NSTR 'response letter of XXXX/XXXX/XXXX to XXXX. of CA XXXX. XXXX wherein XXXX claimed my file was evaluated under the DOJ Program & resulted in a negative NPV is materially false.. NSTR confirmed that \" NSTR only facilitated documentation creation for DOJ program and an actual calculation of data was run by prior servicer, the previously enclosed DOJ letter of declination, XXXX/XXXX/XXXX, provides the inputs used in the review. \" This further confirms XXXX ' absent investigation into facts, and apparent negligent reliance on a XXXX review in XXXX XXXX, performed by prior servicer, and only facilitated by XXXX. \nNo comprehensive or analytical research was conducted as required under the XXXX Model XXXX, Supplemental Directive and DOJ guidelines as required under Successor Servicer obligations under Stipulated Judgment when a homeowner provides an Appeal on issues of XXXX and erroneous inputs. This is clearly a XXXX underwriting chart that includes only XXXX correction which was the Appraised Value of {$680000.00}, however the chart makes no offsetting provisions for current outstanding loan balance as {$860000.00} ( field # XXXX ) thereby rendering this particular run as ineligible since it exceeds the XXXX program limit of {$720000.00}. XXXX is using disqualifying inputs without understanding their results or the methodology for proper NPV evaluations or the difference between DOJ and XXXX XXXX modeling. The input fields pertaining to XXXX and principle reduction are shown on the chart and labeled as \" null '' which are inconsistent with a DOJ XXXX XXXX run. XXXX created a fail for an altogether different program and uses this as justification for the decline. Therefore, we now request a meeting with an executive level Manager to address these issues. I am also including XXXX QWR for material information used in the alleged decline dated XXXX","date_sent_to_company":"2016-11-17T18:20:08.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Other mortgage","zip_code":"91364","tags":null,"has_narrative":true,"complaint_id":"2211553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2016-11-17T04:05:59.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["NSTR confirmed that \" NSTR only facilitated documentation creation for DOJ program and an actual calculation of data was run by prior servicer, the previously enclosed DOJ letter of declination, XXXX/XXXX/XXXX, provides the inputs used in the review. \" This further confirms XXXX ' absent <em>investigation</em> into <em>facts</em>, and <em>apparent</em> <em>negligent</em> reliance on a XXXX review in XXXX XXXX, performed by prior servicer, and only facilitated by XXXX."]},"sort":[8.82366,"2211553"]},{"_index":"complaint-public-v1","_id":"9743280","_score":8.127966,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/XXXX, I tried to send through Citibank a wire of {$6100.00} to my XXXX lawyer, however the account was blocked. When I called the wire department to find out why I cant send money to my lawyer, they advised me that the account was blocked by XXXX and the wire was cancelled. The Account blockage caused cancellation of all scheduled bill payments for credit cards, insurance, car lease, XXXX XXXX, apartment rent, transportation company services. Next morning, XX/XX/XXXX, I called again to the wire department and was told that XXXX unblocked the account, however the wire, initiated XX/XX/XXXX, couldnt be sent because it was cancelled the previous day and I need to generate another wire. I created a new wire and successfully sent it to the beneficiary. A few hours later Citibank sent the cancelled wire with no authorization from my side. The beneficiary got both transfers, but never returned XXXX. Who and when will return me the {$6100.00}? Who and when will reimburse me the late fees and penalties for the bounced checks? Citibank only reimbursed me the {$27.00} payment fee. \nCitibank for the last XXXX  years has never responded to the abovementioned questions, never disclosed the outcome from investigation of my complaint # XXXX started XX/XX/XXXX, by branch # XXXX XXXX XXXX XXXX XXXX and another investigation conducted by wire department case # XXXX. \nOn XX/XX/XXXX, I made a {$15000.00} deposit in the form of a check into Business Credit Line Account of Citibank 's XXXX. XXXX XXXX in Florida. Later this deposit disappeared from the bank 's records. \nOn XX/XX/XXXX, I attempted to wire {$10000.00} to XXXX of my suppliers, XXXX XXXX, a manufacturer of specialty food products located in the country of XXXX, as payment for a shipment of the specialty products that was ordered and received by me. The products manufactured by XXXX XXXX and that were ordered could not be bought anywhere else in the world. The funds would not go through because my account had been locked by Citibank without notice or warning. I called customer service at Citibank to find out why my account was locked, but no one could give me a reason, therefore. Thus, on XX/XX/XXXX, I received a letter from Citibank dated XX/XX/XXXX, stating that as of XX/XX/XXXX, my line of credit had been reduced to {$0.00}, thereby closing my business line of credit account, with serious consequences for my business. \nAs a result of the abrupt termination of the credit line, I could not make payments to XXXX XXXX. XXXX XXXX terminated its relationship with me due to nonpayment and no longer supplied its specialty food products. I could no longer distribute and sell the specialty food products from XXXX to my customers in the United States because of the termination of the business relationship with XXXX XXXX. This has led to the loss of hundreds of thousands of dollars in profits that I would have realized. Citibank, with actual knowledge of and reckless disregard for the truth, made false representations concerning the good standing of my credit line, a material fact insofar as I was concerned. \nAll my correspondence with Citibank didn't bring any results, they were just making up different reasons for terminating my account. In XXXX Citibank even obtained a default judgment against me ; however Honorable XXXX XXXX XXXX vacated the default judgment on XX/XX/XXXX. \nCitibank N.A. materially breached its fiduciary duties owed to me when failed to fulfil its obligations under the relevant contracts and agreements, evidenced bad faith in its dealings with me. Citibank made material misrepresentations too and fraudulently induced me into executing the relevant contracts and agreements. Citibank induced and encouraged me to place its faith and trust in Citibank in its granting me the credit line that I needed, and that Citibank knew I needed. Citibanks intentional and negligent actions in terminating the credit line for no apparent reason and its oppressive actions toward its customer in accelerating the balance of the credit line breached its fiduciary duties owed to me. Citibanks conduct was malicious and outrageous and warrants thorough investigation by CFPB and imposition of sanctions based upon the breaches of contract, breach of fiduciary duty, and the torts committed.\n\nThen I filed a complaint with CFPB, to what I got a response from CFPB that Citibank N.A. doesn't recognize me as its customer and they wouldn't investigate the matter, despite Citibank sent a letter to me ( CCd CFPB ) that they couldn't locate the deposit of {$15000.00}. See the above-mentioned letter attached. \nAfter my multiple calls to CFPB hotline the representative told me that they only investigate cases where a big number of customers is involved. Then I filed a second Complaint to Federal Reserve, the CFPB 's parent organization. The Federal Reserve redirected the Complaint to OCC - Office of the Comptroller of the Currency. The OCC forwarded it to CFPB, CFPB directed the Complaint to Citibank. At this point, the circle got closed. \nCFPB is the agency that claims to protect people from big banks. This agency that was supposedly put in place to protect consumersas the name suggestshas done just the opposite : two times covering the bank wrongdoers by opening and closing the XXXX cases ( case # XXXX & # XXXX ) without even any attempt to investigate my complaints.\n\nThat is why Im filing this third complaint, which is more extensive and detailed.","date_sent_to_company":"2024-08-13T17:40:30.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"333XX","tags":"Older American","has_narrative":true,"complaint_id":"9743280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-08-08T18:26:32.000Z","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":["Citibanks intentional and <em>negligent</em> actions in terminating the credit line for no <em>apparent</em> reason and its oppressive actions toward its customer in accelerating the balance of the credit line breached its fiduciary duties owed to me. Citibanks conduct was malicious and outrageous and warrants thorough <em>investigation</em> by CFPB and imposition of sanctions based upon the breaches of contract, breach of fiduciary duty, and the torts committed."]},"sort":[8.127966,"9743280"]},{"_index":"complaint-public-v1","_id":"17878032","_score":7.369906,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I accidentally unlocked my Bank of America app while thinking I was simply unlocking the phone to allow a woman to change music on my XXXX app while we were in my bedroom. As a consequence, I was defrauded of $ XXXX in wire transfers from my Bank of America accounts, not including other transfers via XXXX and XXXX. I provided the details below to Bank of America within hours of the woman leaving my house ( as soon as I realized this had happened ), but the bank took no action to freeze the transaction while an investigation ensued. Since the receipient was a Bank of America accountholder and I notified them the same day this should have been a relatively easy action for them to take. I am unaware of them having questioned the other accountholder and instead the \" investigation team '' repeatedly told me that given my thumbprint was used and text message verification took place via my phone that this was a valid transaction regardless of my detailed explanation and the inordinate sum of money transferred in the middle of the night. \n\nI was eventually able to bring this to the local ( XXXX ) precinct in XXXX, NY after being directed by the FBI ( after filing an XXXX form ), but the detective told me that Bank of America did not respond to their subpoena requests for information regarding the party who received the XXXX wires of {$10000.00} and {$15000.00}. Since Bank of America appears to be negligent in conducting or assisting in this investigation, since they are precluding the local authority 's efforts, my next options seem to be to either hire a laywer or contact the FBI. I would like to recover my funds by any means necessary - whether it means suing Bank of America directly. Below is a letter I sent to Bank of America with more details from that night almost 5 months ago. \n\n-- - On the evening of XX/XX/year>, I hosted several guests at my residence. In the early morning hours of XX/XX/XXXX, XXXX women remained. During this time, XXXX of them began engaging in flirtatious behavior in the living room, expressing interest in a potential threesome. \n\nIt is now apparent to me that the entire idea of a threesome was a premeditated attempt to gain access to my funds via my mobile phone based on the number of unauthorized transactions ( including via XXXX linked to credit cards ) and the fact that the same woman who proposed the idea never engaged in any XXXX ( or even physical ) conduct. Moreover, as a sanity check, the amount of money in question ( XXXX $ XXXX ) should raise a red flag - as this is an amount I might send once in a single year for business purposes. \n\nGiven I contacted the bank the same day I was aware of the issue should further support my case that this was not authorized and further investigation with the other party and/or police should ensue. However, I am precluded by my precinct from filing a police report unless I receive a letter from Bank of America citing the fraudulent transactions under investigation. As a result, I can not file a police report ( their rules ) and my only other recourse would be to hire a lawyer to subpoena wire transfer records in order to move this forward. I would request that at a minimum you contact the other individual to establish the validity of over $ XXXX in transactions and for what purpose was it sent. As I said, this is a criminal matter and yet I do not immediately have recourse to attempt to recover these funds beyond working with Bank of America. Please note, however, that I filed an FBI XXXX form and I am currently working with the NY Attorney General to attempt to find additional options to recover funds. \n\nGetting back to that early morning, the XXXX of us then went from the living room to XXXX XXXX and I began making out with XXXX of the guests. Given I am now aware that my thumbprint had been used on the BofA app, I would like to note that this is exactly what I use ( thumbprint ) to unlock my phone when I would have unlocked my phone to change XXXX stations. I believe at some point I had the phone unlocked and the other woman in XXXX XXXX was looking through various accounts on my mobile. I must have unlocked the BofA app instead of the phone itself at some point in the night once a boring song came on for me to change. Perhaps, she changed the song to a genre I dont like knowing I would put my thumb on the phone and attempt to change stations- while unintentionally opening the BofA app. However, to be clear I was completely distracted at that time making out and touching, although at no point did we engage in XXXX. It was the fact that I had no expectation of being in a scheme to be defrauded, thus my guard was down, coupled with being in bed with XXXX woman and the possibility of a threesome that I wasnt paying attention to usage of my phone. \n\nAccidentally leaving your phone unlocked when you believe it is next to you and no one else is using it allowed this to happen, but I would never have expected someone to go through great lengths ( e.g., looking through my phone while it was temporarily unlocked and then opening the BofA app so that when I went to change the music station I end up unlocking the app instead of the phone ). I had no idea why the other woman was not partaking in a threesome, but I didnt want to pressure her and figured she was not comfortable. Looking back, I recall the other woman holding my head to keep me from looking around the way, which at the time I interpreted as her wanting my physical attention, but now realize this would have been a moment when the other woman was handling my phone. \n\nFocusing on the elements of wire fraud : -The defendant voluntarily and intentionally devised or participated in a scheme to defraud another out of money. \n\nThe woman I was making out with attempted ( and succeeded therein ) to distract me from any phone usage and the other woman gained access to my phone. In the process, she wired money to herself, sent as much as possible via XXXX and even accessed and changed my XXXX password without my knowledge or consent. \n\n-That the defendant did so with the intent to defraud. \n\nIt is clear to me now that this was premeditated with an intent to defraud me. That the woman who proposed a threesome never engaged physically but instead spent that time wiring money out of my bank account demonstrates intent from XXXX XXXX in time she proposed the idea. \n\n-That it was reasonably foreseeable that interstate wire communications would be used. \n\nThis is clear, as my mobile phone would have been required - using text message verification. \n\n-That interstate wire communications were in fact used. \n\nThe woman impersonated me ( with access to my mobile phone ) by confirming via text message that these transactions sent to herself or a related party were valid. \n\n\nTo be absolutely clear : I never gave either individual permission to access my phone or financial accounts. \n\nThe transfers were made without my knowledge, authorization, or consent. \n\nI am prepared to provide testimony and pursue both criminal and civil action once the incident is formally recognized as fraud. \n\nI respectfully request that Bank of America provide an affidavit or confirmation of fraud so I can continue pursuing legal action and work toward recovering the stolen funds. Moreover, I would request that as part of this investigation you contact the other party and request information regarding the validity of these wire transfers. Finally, any effort to work with the local police or federal authorities on my behalf would be immensely helpful in resolving this matter. I fully suspect that I am not the first person who has been defrauded by this woman and believe I can easily get a conviction if I go through the time and expense to hire a lawyer for this purpose. Ideally, however, I do not have to take such extensive action to resolve the matter.","date_sent_to_company":"2025-11-25T16:58:11.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"11206","tags":null,"has_narrative":true,"complaint_id":"17878032","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-25T16:47:21.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["It is now <em>apparent</em> to me that the entire idea of a threesome was a premeditated attempt to gain access to my funds via my mobile phone based on the number of unauthorized transactions ( including via XXXX linked to credit cards ) and the <em>fact</em> that the same woman who proposed the idea never engaged in any XXXX ( or even physical ) conduct."]},"sort":[7.369906,"17878032"]},{"_index":"complaint-public-v1","_id":"6663643","_score":6.9633617,"_source":{"product":"Checking or savings account","complaint_what_happened":"THE BANK FAILED TO EXERCISE ORDINARY CARE IN THE CHECK SETTLEMENT PROCESS AND THE BANK IS LIABLE FOR MISREPRESENTATIONS MADE BY THE BRANCH MANAGER AND PROFESSIONAL NEGLIGENCE RESULTING FROM HIS FAILURE TO COMPLY WITH BANK POLICY AND PROCEDURE REGARDING NEGOTIABLE INSTRUMENTS The account deposit transaction reversal deduction of some charges, which I strongly believe to be erroneously done. Furthermore, I am alleging negligence arising from the bank 's failure to act or otherwise prevent the negligence in their work, and, in turn, caused financial harm to their customers assets. Specifically, I contend that that professional advice or services provided by XXXX XXXX caused a me financial harm in the amount of {$2000.00} due to actual mistakes or a failure to perform a service, resulting in this overdraft and collections attempts. \nNotice of Dispute and Breach of Contract Counterclaim against TD Bank and Branch XXXX Attention Deposit Operations Disputes Department, I, XXXX XXXX, dispute the accuracy and legitimacy of the debt, as well as the internal bank procedures that led to this unfavorable decision, loss of assets, and harm to my account and banking relationships. \nYour attempt to collect on this alleged debt constitutes a breach of contract, breach of fiduciary duty, and bank negligence, as the transaction in dispute occurred BEFORE I opened an account with TD Bank and entered into a contract with the bank. \nI repeatedly attempted to resolve this bank error with TD Bank 's Customer service representatives in person and over the phone. This error has harmed my assets financially and caused me unnecessary emotional distress as a result of my unsuccessful efforts to resolve the error and seek reimbursement. \nIn addition, any errors or concerns should be directed to XXXX XXXX, the branch manager, or the individual who set up my account. \n\nDear Deposit Operations Department Representative, I had a check drawn on TD Bank from the XXXX XXXX XXXX. The first time I attempted mobile deposit into my XXXX account, I was informed that the check would be held for 20 days because XXXX was unsure if they would be paid. Since this was a municipal check and I regularly cashed monthly utility stipend checks, I was concerned that XXXX XXXX  did not believe they would receive the funds. This was a result of my ongoing discrimination cases and recent termination. Yes, because that's an apology. As soon as I was informed there was no way to appeal or get the check released earlier, I notified XXXX that I would be canceling the deposit and returning to the original branch. \nI am not responsible for any fees, and I am contesting the deposit account adjustment based on the following two facts : First, at the time I presented the check, both TD Bank and the branch manager, XXXX XXXX, were aware that I had previously attempted to mobile deposit this check with another bank. \nWhen he authorized the check to be cashed and provided me with cash payment, I relied on his statements and apparent authority as the branch manager. \n\n\nAfter that, he strongly suggested that I open a bank account with TD Bank to avoid future problems. \nAnd he highlighted the advantages of your bank, including on-site customer service, debit card printing, etc. And based on these representations, I opened a checking account and a savings account, and now I've suffered financial harm because of a branch manager 's error in professional judgment while I was not a client. I also deposited cash funds that should have been protected by the FDIC, which you attempted to reverse based on a check cash when I had no banking relationship. \nSo based upon those representations, I then set up an account with you. Using cash two to start the cash deposit to start the account. \nFor which you tried to charge back {$2000.00} on an account that I have never had a check on. And for a check that was cashed when I was not a member of your bank. \nAnd that you never sent me notice and then when I called about this specifically, they told me to go in the branch and try to work this out. \nIn the many times I have reported it, but nobody has investigated my claims of professional negligence against your branch manager. \n\nThe claims of Errors and omissions cost me financial harm. \nBanking malpractice. \nI relied on what the manager told me and then you tried to come back and collect for an error the bank made and with no regard to the professional negligence of the branch staff and Branch Manager XXXX XXXX, while passing the economic harm to me. \nI was never provided with written notification or evidence of the documents used to make this account change. Under the Check 21 rule, I never had the opportunity to request an expedited account recrediting refund. I was, in fact. And after reporting my concerns to customer service and the XXXX XXXX branch, I was never informed of my right to dispute as a consumer or my ability to file a claim under the bank manager 's professional negligence, errors and omissions insurance, as well as the FDIC. \nI am concerned about the way my account has been handled and that I never received the required notice of transaction reversal as required. \nToday I am received the 1st letter about my account being overdrawn and that you are trying to collect on a debt. I have not received notice about when I went into the savings account to see what it was, they said it was about a check that I asked. \nI went into the branch to ask for copies of the check, deposit slips, and copies of documents relied upon for the deposit account adjustment, which I have yet to receive. I further reported that their actions and repeated attempts to collect the alleged debt of {$2000.00} is erroneous and capricious. I made repeated complaints about the Branch Manager ( XXXX XXXX XXXX and his professional negligence and discretionary decisions which has caused financial harm to my assets ( loss of {$850.00} ), outstanding debt {$1200.00}, and loss of access/use. \nDue to my XXXX XXXX disability, I have repeatedly requested a reasonable accommodation for assistance to escalate this complaint and to ensure so that a despite has been filed in accordance with bank policy. Additionally, I want to file a prompt claim for banking malpractice, protect my rights, and remain informed about my consumer rights, and seek damages for breaches of the deposit holder agreement to which I agreed, and regulatory standards. \nTD Bank Contacts and Attempts Chargeback If a collecting bank makes provisional settlement with its customer for a check and fails for any reason to receive settlement ( e.g., by reason of dishonor ), it may revoke its settlement and charge back the amount to its customer if by its midnight deadline ( or within a longer reasonable time after it learns of the facts ) it returns the item or sends notification of the facts. \nIf the return or notice is delayed beyond that point in time, the bank may be liable for any loss resulting from the delay.XXXX  The right of chargeback is not affected by the customers use of any credit given for the item or the failure of the bank to exercise ordinary care with respect to the item.XXXX  UCC 4214 ( d ) ( 1 ) and ( 2 ). Although retaining its right to charge back, a bank may nonetheless be held liable for harm from its own negligence in handling the item. UCC 4214 ( d ) ( 2 ). Bank owed no duty to its customer, who was bilked in a XXXX ( counterfeit ) official check scam, to examine the checks before taking them for deposit. Whether bank exercised ordinary care in the check settlement process was irrelevant to its chargeback rights under UCC 4214 ( d ). The bank could be liable for negligent misrepresentation under common law theories, however, depending on how it described or discussed the check with its depositor. XXXX XXXX  of Ronan v. Hughes, 147 P.3d 185 ( Mont. 2006 ) ( counterfeit official checks described as good and the same as cash ). See also Call v. Ellenville Natl Bank, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Drew v. Commerce Bank, XXXX, XXXX XXXX XXXX ( XXXX ) ( banks statement that funds were available did not misrepresent that counterfeit check had cleared ). First Georgia Bank v. Webster, XXXX XXXX XXXX. XXXX ( XXXX ) ( check incorrectly described by bank as good ) ; First National Bank of Denver v. Ulibarri, XXXX XXXX XXXX. XXXX ( XXXX ) ( bank assured customer that check had finally settled ). Holcomb v. Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( branch manager allegedly told customer check had cleared ; negligent misrepresentation ). Chase v. Morgan Guaranty Trust Co.XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) ( bank assurance did not cause the loss ). XXXXational Bank of Georgia v. Weiner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( bank could exercise chargeback against attorney escrow account even though original overdraft involved the funds of a different party ). Cases dealing with claims that the XXXX XXXX  made negligent representations about whether it would pay checks : Sabin Meyer Regional Sales Corp. v. Citizens Bank, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) ( bank allegedly said the account contained, and would contain, sufficient funds to cover checks given to payee ) ; WB Farms v. Freemont National Bank & Trust, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( bank agreed to pay check whenever funds come into the account ) ; Mitchell Buick & Oldsmobile Sales , Inc. v. McHenry Savings Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) ( bank agreed to pay check if its customer deposited {$10000.00} or more ).","date_sent_to_company":"2023-03-09T04:59:20.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"022XX","tags":null,"has_narrative":true,"complaint_id":"6663643","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-03-09T03:46:30.000Z","state":"MA","company_public_response":null,"sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["I am not responsible for any fees, and I am contesting the deposit account adjustment based on the following two <em>facts</em> : First, at the time I presented the check, both TD Bank and the branch manager, XXXX XXXX, were aware that I had previously attempted to mobile deposit this check with another bank. \nWhen he authorized the check to be cashed and provided me with cash payment, I relied on his statements and <em>apparent</em> authority as the branch manager."]},"sort":[6.9633617,"6663643"]},{"_index":"complaint-public-v1","_id":"2901071","_score":6.6638246,"_source":{"product":"Debt collection","complaint_what_happened":"After reviewing your mail dated. XX/XX/XXXX, I noticed so many misleading and deceptive facts. It now too late for you to correct your record as you have already violated Federal Laws on reporting. It has also becomes apparent your tactics has fallen into the class of Fraud. \n\nHere is your claim, MCM is servicing a debt from XXXX XXXX which XXXX XXXX bought from a company that has my name on it. Reliability and accountability in your view does not matter. And as such I should come and pay MCM. No accounting, or validation was provided and you reported it on my credit report which has cost me high interest, denial of credit, resulting in hardship for my family and I. \nI reported the act of your staff which you quickly dismiss as no fault. Your staff clearly told me they do not have to abide by Federal laws in collecting debts that as long as a name matches, it doesnt matter about accounting.\n\nYour company has clearly violated the 30 days reporting as permitted by Federal law and you must be held accountable for it. I asked you to provide evidence of any phone call, which you have failed to provide. You know there was no phone call made because all communication is in writing and I was very clear about it. There is no hearsay without evidence. The deceptive tactics need to be proven in court. \nFirst, you never answered many key question in my response to your mail on ( case no. XXXX ). \nQuestions like you alleged to have bought a bad debt. So how is anyone responsible for it? How are you injured? You can not afford to go buy debt on pennies on the dollars and expect to get paid in dollars. I think your outrageous unethical tactics will probably cost your company millions of dollars as I am happy to sue you for the unethical and unprofessional practice. \n\nAgain, MCM sent me a letter with deceptive words that has this You have indicated that the following items pertain to your account, in order for us to further investigate your inquiry please provide the following documentation.\n\nThe above words on your letter to my request for validation violate Federal laws on validating a debt. I asked you to show me your right of Subrogation which you have equally failed to provide. \n\nYet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately or whether is mine. \nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. \nAdditionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they veri fied without providing any proof, bearing my signature. \nAs per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. \nI am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. \nBe aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. \n\n\nFailure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. In my previous letter, I requested for a settlement of {$2000.00} and gave you up to XX/XX/XXXX to settle with me by compensating me with such amount for violating federal laws. Since the time frame has passed, I can only accept {$2500.00} as settlement. You have up to XX/XX/XXXX to compensate me. I will also want you to provide me your registered contact to send in my law suit as I may decide to sue for a higher amount because of your willful non-compliance and deceptive tactics. \nPlease furnish me your registered contact for a law suit and the registered person. Right now you have to delete my account from your record and remove it from all Credit Bureau as you are currently operating illegally. You have 5 days to delete all records. Failure on your part not to comply will be documented. \n\nIf you wish to settle and prevent a higher amount for violating my consumer right. I may be able to listen, but please be aware that on a final note. I can only agree and accept a {$2500.00} settlement from you. Please make check payable to XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX.","date_sent_to_company":"2018-05-09T11:17:20.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"78501","tags":null,"has_narrative":true,"complaint_id":"2901071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2018-05-09T11:10:45.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XX/XX/XXXX, I noticed so many misleading and deceptive <em>facts</em>. It now too late for you to correct your record as you have already violated Federal Laws on reporting. It has also becomes <em>apparent</em> your tactics has fallen into the class of Fraud. \n\nHere is your claim, MCM is servicing a debt from XXXX XXXX which XXXX XXXX bought from a company that has my name on it. Reliability and accountability in your view does not matter. And as such I should come and pay MCM."]},"sort":[6.6638246,"2901071"]},{"_index":"complaint-public-v1","_id":"5957782","_score":6.5972595,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom It May Concern ; I have made numerous attempts to provide XXXX, TransUnion and XXXX with government documents in the form ( s ) of various XXXX Department Police reports which have included a criminal police report case number XXXX dated XX/XX/XXXX where I was identified as victim # 4 on page 2 as a person who's identity was stolen and used. I have also provided all 3 CRA 's an identity theft police report case number XXXX, a Financial Crimes police report, number, case XXXX dated XX/XX/XXXX and an FTC Identity Theft report number XXXX in regards to criminal fraudulent use of my personal information. \n\nI have disputed and sent all of the above police and FTC reports on numerous occasions in XXXX & XXXX of XXXX, in XXXX and again in XXXX. Yet, All 3 CRA 's continue to report fraudulent information on credit file which is in total violation as my consumer rights in the state of California. When any of the three CRA 's are asked how they verified the fraudulent information, I'm always told that the creditor verified that the account ( s ) belong to me.\n\nIf any of the 3 CRA 's attempted to verify any of the police/FTC reports provided to them, they would indeed find that my claims are true and that I was in fact contacted by my local police department about several crimes committed by the two individuals that were arrested.\n\nIt is my full belief that all 3 CRA 's are negligent in properly verifying these fraudulent accounts and considering that the creditors in question who continuously furnish fraudulent information to the CRA 's are paying customers, their word over my proof is enough to allow these creditors to continue to damage my credit and cause me harm. \n\nThere is literally nothing left for me to do as a resident of California that is required under the FCRA in my state of residence that would offer me any comfort in trusting the information provided by the 3 CRA 's in protecting my personal and private information. Their continued abuse of my personal credit information is appalling and disgraceful and has caused me irreparable harm. \n\nJust recently, I have been applying for a new housing rental and have been told that I have to pay twice the amount of a security deposit to secure the rental. That's {$8200.00} USD to pay as a security deposit instead of {$4100.00} that I would qualify for if it weren't for the fraudulent accounts that the XXXX CRA 's are allowing to report on my credit file. I have been charged a higher interest fee for buying a car due to their irresponsibility. This is just a snippet of what their actions have caused me for the last 2 years. \n\nMy wife was also a victim of this identity theft ring. As a matter of fact, my entire household was victimized by these two criminals. There were also several other victims named in the XXXX Police Departments Criminal case. My wife was able to get all of the fraudulent accounts removed and blocked from her credit file, while I was made to suffer for something that I had absolutely nothing to do with. Although I provided all three CRA 's with ample information to assist them in their investigations, it quickly became apparent to me that they could all care less about the accurate reporting of my personal credit information. \n\nThe fraudulent accounts included companies such as XXXX XXXX, XXXX, XXXX, XXXX and their collectors and a multitude of other fraudulent accounts opened at large corporations. I have been damaged over {$80000.00} in the fraudulent opening of accounts. My personal bank account was harmed in this fraud as well as it was literally drained at one point in time and I provided proof to all 3 CRA 's of this fraudulent activity. I am lucky that my local police department was able to catch the thieves and put a stop to their madness by locking them up. However, I can't say the same for any of the 3 CRA 's as they have facilitated the creditors in literally ruining what once was a great credit profile.\n\nI kindly ask that you make the 3 CRA 's answer for why they have allowed fraudulent accounts to remain on my credit file by not removing or blocking the reported fraud from making its way into my credit file and damaging my good credit. I also kindly ask that you make them take action in removing the reported fraudulent accounts followed by blocking the creditor from ever reporting the fraud to the CRA again. My rights have been cosistently violated by XXXX, TransUnion and XXXX for the last XXXX years and it must stop. \n\nAll police/FTC reports are verifiable and there are detectives ready to confirm what happened as is stated in the reports that I have provided to all 3 CRA 's . The accounts that I have been fighting to remove are as follows : XXXX. XXXX XXXX  XXXX Account - XXXX or XXXX ( transferred ) No action taken by the company XXXX- {$50000.00} XXXX. XXXX XXXX Account - XXXX ( closed ) No action taken by the company XXXX- {$8600.00} XXXX. XXXX XXXX ( closed ) No action taken by the company Account - XXXX Amount {$12000.00} XXXX and TransUnion are by far the worst offenders. XXXX seems to have removed all fraudulent accounts except for the XXXX Bank account. XXXX is even listing addresses and phone numbers that don't belong to me. \n\nIn closing all I would like to happen is that my credit be restored to the condition it was in prior to the fraudulent activity that I have proven does not belong to me. I have complied with everything asked of me by the creditors and the 3 CRA 's yet I get nothing in return but a fake credit file full of crimes not committed by me. All I ask is that these companies simply comply with my state law along with the FCRA rules and regulations. \n\nThank you for your time and understanding. Hopefully together we can put this all behind us and carry on. \n\nAt least the culprits are in jail. \n\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2022-09-08T00:59:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91107","tags":null,"has_narrative":true,"complaint_id":"5957782","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-08T00:59:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Although I provided all three CRA 's with ample information to assist them in their <em>investigations</em>, it quickly became <em>apparent</em> to me that they could all care less about the accurate reporting of my personal credit information. \n\nThe fraudulent accounts included companies such as XXXX XXXX, XXXX, XXXX, XXXX and their collectors and a multitude of other fraudulent accounts opened at large corporations. I have been damaged over {$80000.00} in the fraudulent opening of accounts."]},"sort":[6.5972595,"5957782"]},{"_index":"complaint-public-v1","_id":"5957781","_score":6.5843825,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom It May Concern ; I have made numerous attempts to provide XXXX, XXXX and Equifax with government documents in the form ( s ) of various XXXX Department Police reports which have included a criminal police report case number XXXX dated XX/XX/XXXX where I was identified as victim # 4 on page 2 as a person who's identity was stolen and used. I have also provided all 3 CRA 's an identity theft police report case number XXXX, a Financial Crimes police report, number, case XXXX dated XX/XX/XXXX and an FTC Identity Theft report number XXXX in regards to criminal fraudulent use of my personal information. \n\nI have disputed and sent all of the above police and FTC reports on numerous occasions in XXXX & XXXX of XXXX, in XXXX and again in XXXX. Yet, All 3 CRA 's continue to report fraudulent information on credit file which is in total violation as my consumer rights in the state of California. When any of the three CRA 's are asked how they verified the fraudulent information, I'm always told that the creditor verified that the account ( s ) belong to me.\n\nIf any of the 3 CRA 's attempted to verify any of the police/FTC reports provided to them, they would indeed find that my claims are true and that I was in fact contacted by my local police department about several crimes committed by the two individuals that were arrested.\n\nIt is my full belief that all 3 CRA 's are negligent in properly verifying these fraudulent accounts and considering that the creditors in question who continuously furnish fraudulent information to the CRA 's are paying customers, their word over my proof is enough to allow these creditors to continue to damage my credit and cause me harm. \n\nThere is literally nothing left for me to do as a resident of California that is required under the FCRA in my state of residence that would offer me any comfort in trusting the information provided by the XXXX CRA 's in protecting my personal and private information. Their continued abuse of my personal credit information is appalling and disgraceful and has caused me irreparable harm. \n\nJust recently, I have been applying for a new housing rental and have been told that I have to pay twice the amount of a security deposit to secure the rental. That's {$8200.00} USD to pay as a security deposit instead of {$4100.00} that I would qualify for if it weren't for the fraudulent accounts that the XXXX CRA 's are allowing to report on my credit file. I have been charged a higher interest fee for buying a car due to their irresponsibility. This is just a snippet of what their actions have caused me for the last 2 years. \n\nMy wife was also a victim of this identity theft ring. As a matter of fact, my entire household was victimized by these two criminals. There were also several other victims named in the XXXX Police Departments Criminal case. My wife was able to get all of the fraudulent accounts removed and blocked from her credit file, while I was made to suffer for something that I had absolutely nothing to do with. Although I provided all three CRA 's with ample information to assist them in their investigations, it quickly became apparent to me that they could all care less about the accurate reporting of my personal credit information. \n\nThe fraudulent accounts included companies such as XXXX XXXX, XXXX, XXXX, XXXX and their collectors and a multitude of other fraudulent accounts opened at large corporations. I have been damaged over {$80000.00} in the fraudulent opening of accounts. My personal bank account was harmed in this fraud as well as it was literally drained at one point in time and I provided proof to all 3 CRA 's of this fraudulent activity. I am lucky that my local police department was able to catch the thieves and put a stop to their madness by locking them up. However, I can't say the same for any of the 3 CRA 's as they have facilitated the creditors in literally ruining what once was a great credit profile.\n\nI kindly ask that you make the 3 CRA 's answer for why they have allowed fraudulent accounts to remain on my credit file by not removing or blocking the reported fraud from making its way into my credit file and damaging my good credit. I also kindly ask that you make them take action in removing the reported fraudulent accounts followed by blocking the creditor from ever reporting the fraud to the CRA again. My rights have been cosistently violated by XXXX, XXXX and Equifax for the last XXXX years and it must stop. \n\nAll police/FTC reports are verifiable and there are detectives ready to confirm what happened as is stated in the reports that I have provided to all 3 CRA 's . The accounts that I have been fighting to remove are as follows : XXXX. XXXX Bank XXXX Account - XXXX or XXXX ( transferred ) No action taken by the company XXXX- {$50000.00} XXXX. XXXX XXXX Account - XXXX ( closed ) No action taken by the company XXXX- {$8600.00} XXXX. XXXX XXXX ( closed ) No action taken by the company Account - XXXX Amount {$12000.00} XXXX and XXXX are by far the worst offenders. Equifax seems to have removed all fraudulent accounts except for the XXXX Bank account. XXXX is even listing addresses and phone numbers that don't belong to me. \n\nIn closing all I would like to happen is that my credit be restored to the condition it was in prior to the fraudulent activity that I have proven does not belong to me. I have complied with everything asked of me by the creditors and the XXXX CRA 's yet I get nothing in return but a fake credit file full of crimes not committed by me. All I ask is that these companies simply comply with my state law along with the FCRA rules and regulations. \n\nThank you for your time and understanding. Hopefully together we can put this all behind us and carry on. \n\nAt least the culprits are in jail. \n\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2022-09-08T00:59:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91107","tags":null,"has_narrative":true,"complaint_id":"5957781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-08T00:59:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Although I provided all three CRA 's with ample information to assist them in their <em>investigations</em>, it quickly became <em>apparent</em> to me that they could all care less about the accurate reporting of my personal credit information. \n\nThe fraudulent accounts included companies such as XXXX XXXX, XXXX, XXXX, XXXX and their collectors and a multitude of other fraudulent accounts opened at large corporations. I have been damaged over {$80000.00} in the fraudulent opening of accounts."]},"sort":[6.5843825,"5957781"]},{"_index":"complaint-public-v1","_id":"5957755","_score":6.5661545,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom It May Concern ; I have made numerous attempts to provide Experian, XXXX and XXXX with government documents in the form ( s ) of various XXXX Department Police reports which have included a criminal police report case number XXXX dated XX/XX/XXXX where I was identified as victim # XXXX  on page 2 as a person who's identity was stolen and used. I have also provided all 3 CRA 's an identity theft police report case number XXXX, a Financial Crimes police report, number, case XXXX dated XX/XX/XXXX and an FTC Identity Theft report number XXXX in regards to criminal fraudulent use of my personal information. \n\nI have disputed and sent all of the above police and FTC reports on numerous occasions in XXXX & XXXX of XXXX, in XXXX and again in XXXX. Yet, All 3 CRA 's continue to report fraudulent information on credit file which is in total violation as my consumer rights in the state of California. When any of the three CRA 's are asked how they verified the fraudulent information, I'm always told that the creditor verified that the account ( s ) belong to me. \n\nIf any of the 3 CRA 's attempted to verify any of the police/FTC reports provided to them, they would indeed find that my claims are true and that I was in fact contacted by my local police department about several crimes committed by the two individuals that were arrested. \n\nIt is my full belief that all 3 CRA 's are negligent in properly verifying these fraudulent accounts and considering that the creditors in question who continuously furnish fraudulent information to the CRA 's are paying customers, their word over my proof is enough to allow these creditors to continue to damage my credit and cause me harm. \n\nThere is literally nothing left for me to do as a resident of California that is required under the FCRA in my state of residence that would offer me any comfort in trusting the information provided by the 3 CRA 's in protecting my personal and private information. Their continued abuse of my personal credit information is appalling and disgraceful and has caused me irreparable harm. \n\nJust recently, I have been applying for a new housing rental and have been told that I have to pay twice the amount of a security deposit to secure the rental. That's {$8200.00} USD to pay as a security deposit instead of {$4100.00} that I would qualify for if it weren't for the fraudulent accounts that the 3 CRA 's are allowing to report on my credit file. I have been charged a higher interest fee for buying a car due to their irresponsibility. This is just a snippet of what their actions have caused me for the last 2 years. \n\nMy wife was also a victim of this identity theft ring. As a matter of fact, my entire household was victimized by these two criminals. There were also several other victims named in the XXXX Police Departments Criminal case. My wife was able to get all of the fraudulent accounts removed and blocked from her credit file, while I was made to suffer for something that I had absolutely nothing to do with. Although I provided all three CRA 's with ample information to assist them in their investigations, it quickly became apparent to me that they could all care less about the accurate reporting of my personal credit information. \n\nThe fraudulent accounts included companies such as XXXX XXXX, XXXX, XXXX, XXXX and their collectors and a multitude of other fraudulent accounts opened at large corporations. I have been damaged over {$80000.00} in the fraudulent opening of accounts. My personal bank account was harmed in this fraud as well as it was literally drained at one point in time and I provided proof to all 3 CRA 's of this fraudulent activity. I am lucky that my local police department was able to catch the thieves and put a stop to their madness by locking them up. However, I can't say the same for any of the 3 CRA 's as they have facilitated the creditors in literally ruining what once was a great credit profile. \n\nI kindly ask that you make the 3 CRA 's answer for why they have allowed fraudulent accounts to remain on my credit file by not removing or blocking the reported fraud from making its way into my credit file and damaging my good credit. I also kindly ask that you make them take action in removing the reported fraudulent accounts followed by blocking the creditor from ever reporting the fraud to the CRA again. My rights have been cosistently violated by Experian, XXXX and XXXX for the last 2.10 years and it must stop. \n\nAll police/FTC reports are verifiable and there are detectives ready to confirm what happened as is stated in the reports that I have provided to all 3 CRA 's . The accounts that I have been fighting to remove are as follows : XXXX. XXXX XXXX XXXXXXXX Account - XXXX or XXXX ( transferred ) No action taken by the company XXXX- {$50000.00} XXXX. XXXX XXXX Account - XXXX ( closed ) No action taken by the company Amount- {$8600.00} XXXX. XXXX XXXX ( closed ) No action taken by the company Account - XXXX Amount {$12000.00} Experian and XXXX are by far the worst offenders. XXXX seems to have removed all fraudulent accounts except for the XXXX XXXX  account. Experian is even listing addresses and phone numbers that don't belong to me. \n\nIn closing all I would like to happen is that my credit be restored to the condition it was in prior to the fraudulent activity that I have proven does not belong to me. I have complied with everything asked of me by the creditors and the 3 CRA 's yet I get nothing in return but a fake credit file full of crimes not committed by me. All I ask is that these companies simply comply with my state law along with the FCRA rules and regulations. \n\nThank you for your time and understanding. Hopefully together we can put this all behind us and carry on. \n\nAt least the culprits are in jail. \n\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2022-09-08T00:59:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91107","tags":null,"has_narrative":true,"complaint_id":"5957755","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-07T23:13:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Although I provided all three CRA 's with ample information to assist them in their <em>investigations</em>, it quickly became <em>apparent</em> to me that they could all care less about the accurate reporting of my personal credit information. \n\nThe fraudulent accounts included companies such as XXXX XXXX, XXXX, XXXX, XXXX and their collectors and a multitude of other fraudulent accounts opened at large corporations. I have been damaged over {$80000.00} in the fraudulent opening of accounts."]},"sort":[6.5661545,"5957755"]},{"_index":"complaint-public-v1","_id":"13956637","_score":6.2020283,"_source":{"product":"Mortgage","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint regarding the mortgage loan process I experienced with Taylor Morrison Home Funding ( TMHF ), which involved significant mishandling, delays, and apparent violations of federal consumer protection laws, including the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ). \n\nThe process began in XX/XX/XXXX, when we submitted our initial loan application prior to signing the purchase agreement for our new construction home. During pre-approval conversations, the original loan officer expressed repeated concerns about affordability, stating : You can qualify, but I have no idea how you are going to afford this house, and Youre going to have to sell your house and pay off a ton of debt, but I have you qualifying with renting out your house. \n\nBecause of these comments, we requested to work with an alternative loan officer. During conversations with the second loan officer, we expressed that my parents and husband would be purchasing the home initially, but that I would like to be added to the loan if I was able to get my credit score to qualifying standards. \n\nDespite submitting full credit documentation for the initial application multiple times, TMHF never moved our application into underwriting and failed to provide any disclosures, loan terms, or pricing details. This was grossly negligent, especially considering we had invested {$130000.00} as a down payment, which we were told would become non-refundable ( go hard ) after 45 days. During this critical time period, TMHF failed to deliver the conditional, non-contingent loan approval that was necessary for us to make an informed decision. \n\nIn XX/XX/XXXX, I submitted an additional application through their credit improvement program to explore adding me as a co-borrower. However, I never received disclosures related to this application either. \n\nOn XX/XX/XXXX, the loan officer informed me she was combining my husbands and my information into a third application, as I had achieved the qualifying credit score. During this conversation, she said, Lets talk about the elephant in the room, referring to the interest rate. When I asked for clarification, she questioned what we expected our house payment to be. I reminded her that we had yet to receive any disclosures or conditional approval. She acted surprised that we wanted our initial file moved into underwriting and after I expressed we were extremely frustrated and stressed due to our investment turning non-refundable, she repeatedly stated she would take the blame and that this was a good loan with just my husband and I on it. '' I was then told to send updated documentation to her so she could submit the file to underwriting, which we provided again. \n\nDisclosures were finally issued on XX/XX/XXXX. When we received them, we identified several issues : The application we were asked to sign had been manually created by the loan XXXX in XXXX using combined data from both applicants, yet we never saw this version or its disclosures until XXXX. \n\nThe 1004 form indicated the application format as telephone, despite the fact that we submitted our original applications through TMHFs online portal. When we questioned this and requested to correct to the proper application type, we were told they always mark it telephone because they call to verify the information. We never had a verification phone call at all. \n\nMy Social Security Number was entered incorrectly. I raised the issue immediately as I am certain this was done incorrectly when the loan officer manually entered our joint application. I also asked if a new credit pull was necessary. I was told no. However, in XX/XX/XXXX, XXXX informed me they did need to pull new credit to fix the typo, resulting in my credit score dropping below the tier threshold for better pricing, and ultimately costing us a higher interest rate. \n\nWe signed a purchase agreement contingent on using TMHF in order to receive a seller-paid closing cost credit of nearly {$51000.00}. Despite this, TMHF charged all closing costs and discount points without issuing the required disclosures within the three-day regulatory window, a clear violation of RESPA and TILA. \n\nWhen these issues were raised during the approval process, no meaningful action was taken. We were told only that updated credit documentation was needed to proceed with underwriting. After closing on our home in XXXX, I documented our experience in the post-closing survey, and was contacted by TMHFs XXXX. After reviewing the situation, he acknowledged that a loan file must be disclosed and an approval or denial issued per regulation. He offered a verbal apology and stated that he would escalate the matter to the Senior VP of Compliance and the XXXX, noting that one or both would likely need to contact me. \n\nDespite follow-up to discuss this experience with senior leadership, no communication has been received from TMHF. \n\nIn summary, TMHFs handling of our mortgage process was unprofessional, noncompliant, and harmful. Their actions, including delayed disclosures, inaccurate application data, misrepresentation of application format, failure to timely submit files to underwriting, and the subsequent financial impact to our family have had a lasting and damaging effect. These actions appear to constitute violations of federal consumer protection laws, and I am respectfully requesting the Consumer Financial Protection Bureau to investigate TMHFs conduct. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-06-07T23:27:59.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"85255","tags":null,"has_narrative":true,"complaint_id":"13956637","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TAYLOR MORRISON HOME FUNDING, INC.","date_received":"2025-06-07T21:20:37.000Z","state":"AZ","company_public_response":null,"sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["These actions appear to constitute violations of federal consumer protection laws, and I am respectfully requesting the Consumer Financial Protection Bureau to <em>investigate</em> TMHFs conduct. \n\nThank you for your attention to this matter."]},"sort":[6.2020283,"13956637"]},{"_index":"complaint-public-v1","_id":"9874064","_score":5.968301,"_source":{"product":"Credit card","complaint_what_happened":"I just learned that B of A has not done a full or legit investigation into my fraud case that was committed upon my XXXX with them, XXXX XXXX -- as they put back the fraudulent charges on to my card without giving me any real reason as to why they did this. Approx {$9600.00} worth of charges were committed on my card that apparently was stolen in late XXXX in XXXX XXXX Oregon XXXX Since I rarely use this credit card, I first learned of the huge amount of fraud that was done in XXXX  XXXX, XXXX XXXX, when my XXXX statement came to me via email, around XXXX XXXX. I immediately called B of A to report this fraud and stolen card, contacted all three credit bureaus to notify them of the fraud, and made a police report of the fraud with the XXXX Police XXXX, with XXXX XXXX XXXX, and gave the case # to B of A, the first time shortly after. I was working in Oregon during the entire time of the fraudulent charges that were made in many cities in XXXX  Since I rarely have used that B of A card, and this major spending spree happened in a state I don't live in or have not been to in months, I am shocked that B of A didn't notify me of this major spending spree. I explained all of this to B of A Fraud Team... And it's very apparent that more than XXXX criminal was using my card as there were repeat charges at gas stations, XXXX after the other, so that's really strange. I thought this fraud case was closed as the fraudulent charges were taken off my account in XXXX, and remained off except for around {$400.00} worth, until I just received my XX/XX/XXXX statement via email -- stating that my new balance was over {$14000.00} ( from what should have been {$5100.00} or so ) -- and most of the fraudulent charges were put back on my card, sadly. I had not received any notice or info that a real investigation was made, or properly done. I called the B of A XXXX XXXX again on XXXX XXXX to ask for an immediate re-investigation into the original fraud on my card, that happend in Washington where I wasn't and no one I know was given permission to use my card there ( had spoken to them on many occasions since XXXX and recently on XX/XX/XXXX ). The B of A Fraud Rep, XXXX, at XXXX, told me my fraud case was not handled properly and that I had good reason to be very upset. She said I should have been given a FAX # of XXXX back in XXXX, to submit documents that would prove my locations of work and residence in XXXX, Oregon. I can easily prove I was working in this area, doing contract work, and I was focused on doing my iXXXX XXXX XXXX XXXX XXXX with the XXXX XXXX Oregon during this period also ( in Oregon ). Since I rarely would use my B of A XXXX, I hadn't missed it or didn't have reason to believe it had been stolen back in late XXXX. The last time I used this XXXX was at a local cafe by my XXXX home, at XXXX XXXX, for a {$4.00} purchase of coffee. Apparently, my XXXX was picked up at the cafe by a criminal ( or near there ). I called the owner of the cafe, XXXX, around XX/XX/XXXX, to give him a heads up that he XXXX have criminals around his business and to let him know what happened to me and my B of A XXXX -- almost $ XXXX of fraudulent charges were made on my card without my knowledge or consent of any kind. I am very concerned that now I again have my B of A XXXX over the limit by over $ XXXX again, and that B of A will report this false balance due to the fraud charges, at $ XXXX, and will compromise my excellent credit once again ( as they reported the fraud balance to the credit bureaus for some reason even though I asked them not to back in XXXX and they took the {$9600.00} fraud charges off my card while an investigation would happen in XXXX ). Finally, my actual XXXX balance of $ XXXX ish showed up and the close to correct balance was reported to the bureaus by around XXXX so my credit went back up XXXX points, where it was before the fraud problems. Cut to XX/XX/XXXX, today, I have no idea what the re-investigation by B of A will turn out. XXXX in the Fraud group said it will take another 45 days for them to clear my account of the fraud I clearly didn't do in XXXX ( and I didn't give my XXXX to anyone to use anywhere, in Oregon or XXXX, nowhere as it was found to be stolen back in late XXXX, in Oregon ). Since this B of A XXXX fraud case was so mishandled, and B of A didn't notify me of MANY large charges that were made on my XXXX in a state I don't live in or go to often at all, I am really upset. My other financial institutions call or text me asap when there is every any unusual spending on my credit cards, etc. B of A is negligent in noticing the XXXX  state charges going back to late XXXX, and didn't notice the large fraud charges on my XXXX at all until I called them around XXXX XXXX when I got my statement. I was very surprised and freaked out to learn almost $ XXXX of criminal charges had been made on my B of A XXXX without getting any alert from B of A the entire spending spree. I was also shocked to find that B of A came back to me this week, XX/XX/XXXX to reflect the fraud case had not been investigated really, and that they didn't want to actually resolve the fraud with the criminal who went nuts and charged almost $ XXXX on my good standing credit card, with excellent credit ( close to XXXX normally ). It is very clear to anyone looking at my XX/XX/XXXX statement, that a criminal or more stole my card in Oregon and went across to XXXX  and traveled through the state using my XXXX. I didn't give anyone permission to use my card here or there, at any time. I wasn't present to make the almost XXXX charges all around XXXX XXXX in fact. B of A is claiming that I was present just because the criminals/fraudsters were using my card ( or got away with using it ). I didn't sign any of these fraudulent charges, it is clear if the records are looked into properly, or for real. It appears that B of A has mishandled my fraud case, completely. I have no proof of any fraud investigation that was actually done. For some reason around {$400.00} of charges made in XXXX were credited to my accound ( many smaller charges ), and most of the XXXX fraudulent charges were not taken off my account, again ( the second time ). I am not in a position to pay for any fraudulent charges, of the $ XXXX $ XXXX that was criminally charged to my B of A XXXX. I can prove I was working in Oregon during the entire fraud crime period in XXXX, May 27-June 19 ( approx ). I have many date and location stamped photos from my cell phone to show I was in Oregon this entire time. I have proof to show I was immersed in my XXXX XXXX XXXX program as well, in Oregon ( photos with date and location stamps from class studies, etc. ). It appears that B of A is in dispute with the XXXX merchants over the fraud charges that were made on my XXXX, and so are coming back to me instead of the merchants. They could have called me to request my location whereabouts, or talked to my employers and teacher as well. They could have called the XXXX Police XXXX I reported the original crime of fraud to around XX/XX/XXXX and they didn't. I have provided my case # to them, a second time recently, in fact. I'm not sure they ever documented any info I ever gave to them around the original crime was found out in XXXX. I have no idea why B of A is expecting me to pay for fraudulent charges that were made on my XXXX in a different state, at all. I feel as though I have been totally disregarded and have been treated poorly as a longtime B of A customer, overall. And as an honest person who has excellent credit, etc. Any credit analyst can see my profile and spending habits don't fit the fraud charges in any way at all, also. For example, at some points, there were several gas charges made at XXXX business and they were clearly going from town to town, making thousands of dollars of criminal charges ie $ XXXX often. I hope this fraud case on my B of A XXXX can be resolved for good, as I am not responsible for this crime in any way whatsoever. I should not be put through another fraud investigation by B of A if they aren't actually going after the criminal ( XXXX ) in XXXX  or are not seeking my evidence to prove I was in Oregon the entire time of the XXXX also. I appreciate whatever you can do to hold B of A XXXX to account and so I don't have to suffer another 45 days of grief, and compromised credit, and feeling like my rights have been trounced upon as a reputable credit card holder with excellent credit, etc.","date_sent_to_company":"2024-08-21T23:46:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"97217","tags":"Servicemember","has_narrative":true,"complaint_id":"9874064","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-21T21:44:05.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["And it's very <em>apparent</em> that more than XXXX criminal was using my card as there were repeat charges at gas stations, XXXX after the other, so that's really strange."]},"sort":[5.968301,"9874064"]},{"_index":"complaint-public-v1","_id":"9442048","_score":5.431139,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against the Department of Education and any affiliated educational loan servicers for violations of my federally protected privacy rights pertaining to the handling and disclosure of my confidential educational loan records and data. I am also making this complaint against the consumer reporting agencies XXXX, XXXX, and Equifax, which are non affiliates of the Department of Education. This complaint pertains to account # XXXX Date opened : XX/XX/XXXX Balance : {$4000.00}, which is shown on my XXXX report, on my Equifax report, it states account # XXXX Date opened : XX/XX/XXXX Balance : {$4000.00}, on XXXX Account # XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} There is a lot of inaccurate inconsistent information which is a violation of 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, which XXXX, XXXX, and Equifax have violated, resulting in falsely damaging my creditworthiness, which has damaged me mentally and caused me physical distress. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Under the provisions of the The Family Educational Rights and Privacy Act ( FERPA ), which is a federal law enacted in 1974 that protects the privacy of student education records, FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ), which means all educational loan information maintained by the Department of Education is considered a protected education record subject to strict privacy controls. Unlawful dissemination or release of these records constitutes a FERPA violation. It has come to my attention that there have been improper actions related to the treatment and sharing of my private educational loan details by the Department of Education. I am very saddened that my educational records have been mishandled, inaccurately reported, and wrongfully disclosed without my consent, which is in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). ( b ) Conditions of Disclosure. - This law states that \" No agency shall disclose any record which is contained in a system of records by any means of communication to any person or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. '' I have not given the U.S. Department of Education my written consent, nor have I given XXXX, XXXX, or Equifax my written consent to report this information. XXXX, XXXX, and Equifax are non-affiliates of The Department of Education, which is a violation of 15 USC 6802 ( b ) ( c ), which states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. Not only that, 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states, \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, \" Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. XXXX XXXX, and Equifax are not maintaining reasonable procedures. Therefore, I demand that the above account be deleted due to the fact that they are illegally reporting.Such actions would not only breach FERPA 's confidentiality requirements for education records but also run counter to the Congressional intent behind the Fair Credit Reporting Act. This is my second attempt to get this situation resolved. I sent a dispute letter to XXXX XXXX, and Equifax on XXXX XXXX XXXX, but received no response at all in any form, effectively being disregarded, which violates 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance. I'm entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. Pursuant to the FCRA. I am requesting the CFPB to immediately open an investigation into this apparent violation of my statutory student privacy rights by the Department of Education and any involved educational loan servicers and non-affiliates, which are the consumer reporting agencies XXXX, XXXX, and Equifax. Failure to safeguard my protected records is unacceptable. Please ensure accountability and prevent any future infractions against lawfully-required student data privacy and confidentiality standards. Thank you for your timely attention to this serious matter of protecting student privacy rights.","date_sent_to_company":"2024-07-07T22:29:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"31909","tags":null,"has_narrative":true,"complaint_id":"9442048","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-07T22:29:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681o Civil liability for <em>negligent</em> noncompliance. I'm entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 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