{"took":776,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":25,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13095067","_score":25.140606,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This complaint is regarding a fraudulent transaction that occurred through Cash App. I paid an individual under a written and verbal agreement for a puppy, and the seller never delivered the animal or issued a refund. Despite timely reporting and multiple attempts to get assistance from Cash App, the company has failed to investigate the matter properly or take any meaningful action. \n\nThis issue is not related to the historical customer service concerns outlined in the CFPB Consent Order, and should not be categorized as such. Cash App has previously misclassified my complaint under that settlement, which led to it being closed without review. I am resubmitting this issue with clear details to ensure proper handling and investigation. \n\nI requested : A formal investigation into the recipients account Documentation of any review conducted A refund or reversal of the funds based on the fraudulent nature of the transaction Cash App responded with generic messages, stating they could not reverse the payment, and refused to provide any proof that an investigation was done. They also only responded through private email instead of addressing the issue transparently on public platforms like the XXXX XXXX XXXX. This lack of transparency and refusal to assist a consumer who acted in good faith is unacceptable. \n\nI am seeking reimbursement for the amount lost and a proper fraud investigation into the transaction and recipient account. \n\nI have documentation including the Cash App payments, contract terms, and communication with the seller. I am happy to provide this information upon request.","date_sent_to_company":"2025-04-21T21:05:15.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"13095067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-04-21T20:47:37.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I requested : A formal <em>investigation</em> into the <em>recipients</em> <em>account</em> <em>Documentation</em> of any <em>review</em> <em>conducted</em> A <em>refund</em> or reversal of the funds based on the fraudulent nature of the transaction Cash App responded with generic messages, stating they could not reverse the payment, and refused to provide any proof that an <em>investigation</em> was done. They also only responded through private email instead of addressing the issue transparently on public platforms like the XXXX XXXX XXXX."]},"sort":[25.140606,"13095067"]},{"_index":"complaint-public-v1","_id":"14873247","_score":22.557892,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I mistakenly sent {$1500.00} via Zelle from my XXXX  account to a XXXX XXXX XXXX XXXX member, XXXX XXXX. XXXX XXXX acknowledged in writing that she received the funds in error and initially agreed to return them. She even attempted to accept my Zelle refund request, but Zelle placed that return payment on hold and ultimately cancelled it.\n\nI filed a claim with XXXX, who contacted Zelle. Zelle denied the claim twice, stating that the transaction was authorized, without conducting any meaningful investigation or addressing the fact that the recipient admitted the funds were sent in error. Even after I provided documentation including screenshots of the recipient acknowledging the mistake. Zelle did not reopen the case or explain why the claim was denied.\n\nBy refusing to take further action, Zelle has left me with no recourse while enabling theft by conversion and unjust enrichment by the recipient, who is knowingly keeping funds that do not belong to her. Zelles own system also contributed to the problem by blocking the refund attempt from the recipient and cancelling it, then closing the matter without review.\n\nZelle must take more responsibility to protect its users from these accidental mistakes. A single mistyped digit can have devastating financial consequences, and it is unacceptable for Zelle to brush these cases off, allowing peoples lives to be harmed or even ruined over an easily fixable error. There needs to be better systems and safeguards in place to prevent mistakes and more robust processes to support customers when they occur.\n\nThis situation is not unique, it has happened to hundreds, if not thousands, of people using Zelle. For many, the amounts involved are life-changing, and the harm to families and individuals is very real. It is not acceptable for a financial network as large and influential as Zelle to take zero responsibility and offer no corrective support in these situations.","date_sent_to_company":"2025-07-26T01:31:07.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"92130","tags":null,"has_narrative":true,"complaint_id":"14873247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-07-26T01:12:32.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Zelle denied the claim twice, stating that the transaction was authorized, without <em>conducting</em> any meaningful <em>investigation</em> or addressing the fact that the <em>recipient</em> admitted the funds were sent in error. Even after I provided <em>documentation</em> including screenshots of the <em>recipient</em> acknowledging the mistake. Zelle did not reopen the case or explain why the claim was denied."]},"sort":[22.557892,"14873247"]},{"_index":"complaint-public-v1","_id":"18450248","_score":20.998198,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a formal complaint against Cash App legitimate fraud claim involving unauthorized transactions after my mobile phone was stolen from my person. \n\nTransaction ID : XXXX Amount : {$3000.00} Recipient : XXXX XXXXXXXX My phone was taken by unauthorized individuals, and my Cash App account was compromised as a result. I acted immediately and with diligence. Within approximately four minutes of the incident, I was able to reach a Cash App representative by phone and report the theft, account compromise, and unauthorized activity.\n\nI followed all required steps, including filing and submitting a XXXX police report # XXXX, and provided all documentation requested by Cash App. Despite this, Cash App denied my fraud claim without providing any evidence, explanation, or proof of a meaningful investigation.\n\nCash Apps entire denial response stated only : After reviewing your dispute, were unable to refund you for this transaction.\n\nNo details were provided regarding how the investigation was conducted, what evidence was reviewed, or how Cash App determined the transaction was authorized. When I requested proof of investigation and clarification specifically asking for evidence that the transaction was authorized or that it was an investment Cash App failed to provide any documentation or substantiation.\n\nThis transaction was not authorized, not an investment, and occurred only after my phone was stolen. Cash App has refused to demonstrate that they reviewed the police report or considered the immediate reporting timeline. Their denial appears automated and dismissive rather than investigative.\n\nI believe Cash App is failing to comply with reasonable fraud investigation standards and consumer protection obligations by denying fraud claims without proper review or transparency. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-04T04:36:20.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"30039","tags":"Servicemember","has_narrative":true,"complaint_id":"18450248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-01-04T04:25:49.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I followed all required steps, including filing and submitting a XXXX police report # XXXX, and provided all <em>documentation</em> requested by Cash App. Despite this, Cash App denied my fraud claim without providing any evidence, explanation, or proof of a meaningful <em>investigation</em>.\n\nCash Apps entire denial response stated only : After <em>reviewing</em> your dispute, were unable to <em>refund</em> you for this transaction."]},"sort":[20.998198,"18450248"]},{"_index":"complaint-public-v1","_id":"21632756","_score":19.989336,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint regarding an unauthorized transaction that occurred through my Cash App account after my phone was stolen. \n\nOn XX/XX/year>, my phone was stolen at approximately XXXXXXXX XXXX. Shortly afterward, unauthorized activity began occurring on my accounts. At approximately XXXXXXXX XXXX, a payment of {$660.00} was sent from my Cash App account to an unknown recipient named XXXX. I did not authorize this payment. \n\nI reported the theft the same day and promptly attempted to dispute the transaction through Cash App. Despite explaining that my phone had been stolen immediately before the unauthorized payment occurred, Cash App denied my dispute. \n\nCash App later provided documentation that simply confirmed a transaction occurred but did not explain the basis for determining that the payment was authorized by me. \n\nXXXX of Events XX/XX/year> approximately XXXX a.m. : My phone was stolen. \nApproximately XXXXXXXX XXXX. : Unauthorized activity began occurring shortly after the theft. \nApproximately XXXXXXXX XXXX : A payment of {$660.00} was sent from my Cash App account to an unknown recipient. \nXX/XX/year> XXXXXXXX XXXX : I filed a theft/loss claim related to the stolen phone. \nI subsequently disputed the unauthorized transaction through Cash App. \nCash App denied the dispute. \nI requested supporting documentation explaining the basis of their decision. \nCash App provided only a transaction summary showing that the payment occurred, without explaining how they determined it was authorized. \nConcerns About Cash Apps Investigation I believe Cash Apps investigation was incomplete and failed to reasonably consider the circumstances surrounding this unauthorized transaction. \n\nSpecifically : Cash App did not provide any explanation demonstrating why they concluded the transaction was authorized. \nCash App did not confirm whether they reviewed : Login history Device identifiers IP address data Geolocation or location information Account access activity surrounding the timeframe of the theft The transaction occurred within minutes of my phone being stolen. \nI promptly reported the theft and disputed the charge. \nCash App has refused further review while providing no substantive explanation beyond confirmation that a transaction took place. \n\nThe existence of a transaction does not prove that it was authorized by me. \n\nCustomer History I have been a long-time Cash App customer and have maintained an established relationship with the platform, including use of their financial services and credit-related offerings. \n\nI would never knowingly jeopardize my standing or account history through fraudulent or unauthorized conduct. \n\nResolution Requested I respectfully request that the CFPB review this matter and require Cash App to : Conduct a meaningful re-investigation of this dispute. \nExplain the specific evidence used to determine that this transaction was authorized. \nConfirm whether device, login, XXXX, or geolocation data was reviewed. \nReassess the denial in light of the stolen-phone timeline and surrounding unauthorized activity. \nRefund the unauthorized transaction amount of {$660.00} if the investigation can not reasonably demonstrate that I authorized the payment.","date_sent_to_company":"2026-04-27T17:31:02.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"10029","tags":null,"has_narrative":true,"complaint_id":"21632756","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-27T17:10:12.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I would never knowingly jeopardize my standing or <em>account</em> history through fraudulent or unauthorized <em>conduct</em>. \n\nResolution Requested I respectfully request that the CFPB <em>review</em> this matter and require Cash App to : <em>Conduct</em> a meaningful re-<em>investigation</em> of this dispute. \nExplain the specific evidence used to determine that this transaction was authorized. \nConfirm whether device, login, XXXX, or geolocation data was <em>reviewed</em>."]},"sort":[19.989336,"21632756"]},{"_index":"complaint-public-v1","_id":"9688865","_score":19.262236,"_source":{"product":"Debt or credit management","complaint_what_happened":"Freedom Debt Relief ( FDR ) has demonstrated a blatant disregard for fair business practices and legal obligations in their handling of my account. On XX/XX/year>, XXXX proposed a settlement to refund {$4200.00} in overpaid fees and return {$14000.00} in escrowed funds, which I accepted. After I modified the nondisparagement provision to comply with California law, XXXX reneged on the agreement, retaining the {$4200.00} in overpaid fees, and unlawfully withdrawing an additional {$2400.00} in fees before returning only {$12000.00} from the escrow. This conduct constitutes a breach of contract and a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g ( b ) for failing to provide proper debt validation and the Federal Trade Commissions Telemarketing Sales Rule ( TSR ) for unauthorized fee withdrawals. The pattern of proposing settlements and then repudiating them, while retaining and unlawfully deducting funds, indicates a systemic issue within XXXX that demands urgent intervention by the CFPB to protect consumers from such unfair and deceptive practices. The details of my case are substantiated by the following exhibits : [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ( XXXX ) ; Recipient : XXXX XXXX ; ( XXXX settlement offer detailing terms for refund and program termination ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : XXXX XXXX ( XXXX ) ; ( Acceptance of XXXX settlement offer by XXXX XXXX XXXX ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ( XXXX ) ; Recipient : XXXX XXXX ; ( Acknowledgment from XXXX regarding settlement acceptance and further steps ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : XXXX XXXX ( XXXX ) ; ( Discussion of legal terms and redlined changes to the settlement agreement ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : XXXX XXXX ( XXXX ) ; ( Redlined version of the settlement agreement with proposed changes ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ( XXXX ) ; Recipient : XXXX XXXX ; ( Second acknowledgment of receipt from XXXX and update on legal review ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : XXXX XXXX ( XXXX ) ; ( Request for update on the settlement document, transfer of funds, and SFCU documentation ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ( XXXX ) ; Recipient : XXXX XXXX ; ( XXXX 's repudiation of the agreement and conditions for refund processing ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : Freedom Debt Relief ; ( Notice of intent to sue due to recanting of the settlement and demand for fund transfer ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : Freedom Debt Relief ; ( Demand for refund of {$14000.00} and mention of a {$4200.00} claim filing with XXXX XXXX ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : Freedom Debt Relief ; ( Response to repudiation and assertion of legal action and demands ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : XXXX XXXX ( XXXX ) ; ( Transmittal of the signed settlement agreement ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : Freedom Debt Relief ; ( Signed settlement agreement and general release ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; Recipient : XXXX XXXX XXXX ; ( Filing of the case against XXXX in XXXX XXXX XXXX ) ; Given these facts and the provided documentation, it is evident that XXXX 's actions are not only in bad faith but also violate consumer protection laws. I urge the CFPB to take immediate action to investigate XXXX 's practices and enforce compliance with federal regulations to prevent further harm to consumers. Please publish this feedback on consumerfinance.gov so others can learn from my experience.","date_sent_to_company":"2024-08-02T22:23:18.000Z","issue":"Unauthorized withdrawals or charges","sub_product":"Debt settlement","zip_code":"947XX","tags":null,"has_narrative":true,"complaint_id":"9688865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FREEDOM FINANCIAL NETWORK","date_received":"2024-08-02T22:12:28.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["of receipt from XXXX and update on legal <em>review</em> ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; <em>Recipient</em> : XXXX XXXX ( XXXX ) ; ( Request for update on the settlement document, transfer of funds, and SFCU <em>documentation</em> ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ( XXXX ) ; <em>Recipient</em> : XXXX XXXX ; ( XXXX 's repudiation of the agreement and conditions for <em>refund</em> processing ) ; [ EXHIBIT XXXX ] Date : XX/XX/year> ; Sender : XXXX XXXX ; <em>Recipient</em> : Freedom Debt Relief"]},"sort":[19.262236,"9688865"]},{"_index":"complaint-public-v1","_id":"8136979","_score":18.588766,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to bring to your attention a concerning issue related to a recent transaction conducted through the Remitly APP using my Bank XXXX XXXX XXXX The details of the transaction are as follows : Date of Transfer : XX/XX/2023 Time of Transfer : XXXX PM EST Amount : {$6900.00} Original Recipient : XXXX XXXX XXXX XXXX Original Reference Number by Remitly : XXXX I opted for the express delivery service, which the merchant ( Remitly ) failed to fulfill within the specified timeframe. Subsequently, the merchant requested additional personal information, including my documents such as Social Security, XXXX, and Driver 's License, to verify my identity and transaction details. Despite providing the required information promptly, the transfer did not occur as promised. \n\nFollowing numerous attempts to seek updates on my transfer, I received an email and text from Remitly, dated XX/XX/2023, at XXXX PM EST, confirming the completion of the transfer. However, to my dismay, the recipient 's name had been changed to XXXX XXXX XXXX XXXX, and a new reference number, XXXX, was assigned, without my authorization or consent. I hereby declare that I do not know the individual named XXXX XXXX XXXX XXXX, and I have no relationship or association with him. The unauthorized change of the recipient 's name to XXXX XXXX XXXX XXXX in the Remitly transfer is a matter of serious concern, and I affirm that I did not initiate or approve any such alteration to my transaction. \nI immediately contacted Remitly seeking an explanation for this unauthorized change and requested a refund since it contradicted the original terms and conditions agreed upon during the transaction. In response, Remitly closed my account, initiated a claim on file, and instructed me to contact my bank for further assistance. Despite my inquiries, Remitly has not provided any explanation for the change in recipient and reference number. This was an internal fraud by Remitly.\n\nI would like to emphasize that, as per Remitly 's terms and conditions, any alterations to a transfer are prohibited after the transfer receipt or upon reviewing. I did not authorize or initiate any changes to my transaction. The actions taken by Remitly are in clear violation of the agreed-upon terms.\n\nI kindly request to investigate this matter thoroughly, retrieve the funds transferred erroneously, and take appropriate action against Remitly for their unauthorized changes and failure to comply with agreed-upon terms. I am more than willing to provide any additional information or documentation required for a swift resolution of this issue. \nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-01-10T17:53:00.000Z","issue":"Fraud or scam","sub_product":"Foreign currency exchange","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"8136979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Remitly, Inc.","date_received":"2024-01-10T17:41:20.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In response, Remitly closed my <em>account</em>, initiated a claim on file, and instructed me to contact my bank for further assistance. Despite my inquiries, Remitly has not provided any explanation for the change in <em>recipient</em> and reference number. This was an internal fraud by Remitly.\n\nI would like to emphasize that, as per Remitly 's terms and conditions, any alterations to a transfer are prohibited after the transfer receipt or upon <em>reviewing</em>."]},"sort":[18.588766,"8136979"]},{"_index":"complaint-public-v1","_id":"16063745","_score":17.843323,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Description of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to deliver the promised goods/services, and I immediately attempted to resolve the issue directly. After realizing I had been scammed, I contacted Cash App support through the app on Thursday, XX/XX/year> to dispute the transaction. \n\nCash App failed to provide a reasonable investigation or refund as required under Regulation XXXX ( XXXX XXXX  Part XXXX ). Instead, I was informed that the dispute was closed in favor of the merchant with no clear explanation or supporting documentation. I appealed this decision on Thursday, XX/XX/year>, but again Cash App refused to reverse the charge. \n\nThis represents an unauthorized/fraudulent transaction. I complied with all procedures, provided supporting evidence ( screenshots of the agreement and communications ), and reported the issue within the required time frame. Cash App did not provide me with : Written notice of the investigation results, Documentation relied upon in denying my claim, or A provisional credit as required by law. \n\n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reopen the dispute, XXXX. Provide full documentation of the investigation, and XXXX. Refund the {$40.00} consistent with Regulation XXXX requirements. \n\n\nXXXX. False promise of goods/services I sent {$40.00} on XX/XX/year> for a promised item/service. The other party never delivered anything. That is textbook fraud. \n\n\nXXXX. Misrepresentation The recipient knowingly misled me to obtain funds without intent to fulfill their obligation. \n\n\nXXXX. Unauthorized retention of funds Once I revoked consent by reporting the issue, the transaction should have been treated as unauthorized/fraudulent. \n\n\nXXXX. Pattern of deception I provided screenshots of communications proving the other party engaged in deceptive conduct. \n\n\nXXXX. No merchant accountability Unlike a legitimate business, the recipient can not prove delivery, receipt, or service rendered. \n\n\n\n\n-- - Why I Am Lawfully Entitled to a Refund XXXX. Regulation XXXX ( XXXX CFR XXXX ) Cash App must investigate errors, provide written notice of results, and issue a provisional credit within XXXX business days. \n\n\nXXXX. Constructive denial By closing my case without proof, Cash App failed to meet its legal burden. That constitutes a violation of my consumer protection rights. \n\n\nXXXX. Burden of proof is on XXXX XXXX XXXX must show the transaction was valid and authorized. No such evidence was provided. \n\n\nXXXX. CFPB guidance Peer-to-peer payment apps like Cash App must treat fraud claims with the same protections as debit card transactions. \n\n\nXXXX. Entitlement I complied with all reporting timelines and provided evidence. By law, I am owed a refund of {$40.00} plus any fees. \n\n\nXXXX. No proof of delivery The recipient provided no shipping, receipt, or service documentation. \n\n\nXXXX. Violation of Cash Apps own policies Their User Agreement prohibits fraudulent use and obligates them to reverse fraudulent transactions. \n\n\nXXXX. Deceptive inducement The transaction was induced by false promises, meeting the FTCs definition of unfair/deceptive practices. \n\n\nXXXX. Failure of consideration No goods/services were provided in exchange for payment. \n\n\nXXXX. Unjust enrichment Recipient benefited financially without legal or contractual basis. \n\n\nXXXX. Unauthorized electronic fund transfer XXXX XXXX XXXX, a transfer obtained through fraud is treated as unauthorized. \n\n\nXXXX. Failure to mitigate harm Once I reported the fraud, Cash App had a duty to stop further harm by reversing funds. \n\n\nXXXX. Denial without evidence Cash App closed the dispute without presenting supporting documentation, violating XXXX XXXX XXXX ( d ). \n\n\nXXXX. Failure to provide provisional credit No temporary credit was issued within XXXX business days as required by law. \n\n\nXXXX. No clear investigation process I was not informed of the investigation scope or method, violating transparency requirements. \n\n\nXXXX. Consumer detriment The decision placed all risk of fraud on me, contrary to federal protections. \n\n\nXXXX. Asymmetric information Cash App has records and technical data to verify fraud, yet withheld them from me. \n\n\nXXXX. Denial of due process I was not given the opportunity to review or challenge evidence against my claim. \n\n\nXXXX. Bad faith handling The speed and lack of detail in denial indicate no good-faith investigation. \n\n\nXXXX. Pattern of complaints CFPB and BBB databases show numerous similar complaints against Cash App, proving systemic failures. \n\n\nXXXX. Violation of fair banking practices Unlike banks, Cash App can not escape XXXX XXXX obligations as a money transmitter. \n\n\nXXXX. Failure to protect users Cash App markets safety/security but refused to stand behind their own protections. \n\n\nXXXX. Public interest XXXX Cash App to deny fraud claims without evidence enables further scams. \n\n\nXXXX. Contractual breach As a consumer, I relied on Cash Apps representations of fraud protection. \n\n\nXXXX. XXXX oversight requirement As a licensed money transmitter under state/federal law, Cash App must comply with consumer protection statutes and refund fraudulent charges. \n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. This violates my rights under Regulation XXXX ( XXXX XXXX Part XXXX ) because : XXXX. Cash App did not provide a reasonable investigation or supporting documentation. \n\n\nXXXX. Cash App failed to issue a provisional credit within XXXX business days as required by law. \n\n\nXXXX. The burden of proof lies with the financial institution, yet Cash App closed the claim without evidence. \n\n\nXXXX. I complied with all requirements by reporting promptly and submitting evidence of fraud. \n\n\n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. In addition, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my appeals regarding reinstatement. \n\nThis violates my rights under Regulation XXXX ( XXXX XXXX  Part XXXX ) because : XXXX. Cash App did not provide a reasonable investigation or supporting documentation. \n\n\nXXXX. Cash App failed to issue a provisional credit within XXXX business days as required by law. \n\n\nXXXX. The burden of proof lies with the financial institution, yet Cash App closed the claim without evidence. \n\n\nXXXX. My account was suspended without due process, clear reasoning, or response to my appeals. \n\n\n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen the dispute and refund the {$40.00}, XXXX. Provide documentation of the investigation, and XXXX. Restore or clearly justify my account suspension consistent with consumer protection standards. \n\n\nOn Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. In addition, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my appeals regarding reinstatement. \n\nThis is not an isolated incident. For several years, I have experienced repeated issues with Cash App involving : Disputes being denied without explanation, Lack of documentation or transparency in investigations, Failure to issue provisional credits as required by Regulation XXXX, and Account restrictions or suspensions imposed without clear reasoning or timely responses to appeals. \n\n\nThis long-standing pattern shows Cash App/Block XXXX XXXX XXXX XXXX XXXX XXXX comply with federal consumer protection laws and is denying users the protections guaranteed under XXXX XXXX  Part XXXX ( Regulation XXXX ). \n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide documentation of the investigation, XXXX. Address the wrongful suspension of my account, and XXXX. Correct ongoing compliance failures that have harmed me and many other consumers over the years. \n\n\nOn Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. In addition, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my appeals regarding reinstatement. \n\nThis situation is aggravated by the fact that my identity and Cash App account have been compromised and used without my full authorization. I have reason to believe my account has been accessed or manipulated fraudulently, which qualifies as an unauthorized electronic funds transfer under Regulation XXXX ( XXXX XXXX  Part XXXX ). \n\nThis is not an isolated issue. For years, I have experienced repeated problems with Cash App involving : Unauthorized transactions or account activity, Disputes being denied without clear evidence, Failure to issue provisional credits within the legal timeframe, and Account suspensions without explanation or response to appeals. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX to provide basic consumer protections and is denying me the right to secure access to my own account. \n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide documentation of the investigation and account activity, XXXX. Restore my account access or clearly explain the suspension, and XXXX. Address the fact that my identity/account has been compromised and take corrective action. \n\n\n\n\nOn Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. \n\nWhat frustrates me most is that this has been going on for years. I have faced repeated problems with Cash App, including : Unauthorized account activity and compromised security, Disputes being denied without any evidence or transparency, Failure to issue provisional credits as required under Regulation XXXX ( XXXX XXXX  Part XXXX ), and Account suspensions that leave me locked out without explanation or resolution. \n\n\nI have spent countless hours trying to get Cash App to follow the law and their own stated policies. Each time I report fraud, I get vague form letters, no documentation, and no accountability. It feels like Cash App is deliberately ignoring its legal obligations and leaving consumers like me powerless. \n\nThis is extremely frustrating and unacceptable. Cash App markets itself as safe and secure, but in reality, they are shifting all the risk of fraud and identity compromise onto their users while refusing to comply with basic consumer protection laws. \n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly explain the suspension, and XXXX. Correct their ongoing systemic failures that are harming consumers. \n\n\n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. \n\nThis has been an ongoing problem for years. I have faced repeated issues with Cash App, including : Unauthorized account activity and compromised security, Disputes denied without evidence or transparency, Failure to issue provisional credits under Regulation XXXX ( XXXX XXXX  Part XXXX ), and Account suspensions imposed without explanation or resolution. \n\n\nI have invested significant time and effort trying to get Cash App to follow the law and their own policies. Each time I report fraud, I get vague responses, no documentation, and no accountability. It is extremely frustrating and unacceptable. \n\nI expect communication, cooperation, and compliance from XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, I am requesting that they : XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly explain the suspension, and XXXX. Correct ongoing systemic failures that continue to harm consumers. \n\n\n\n\n\n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. \n\nWhat frustrates me most is the complete failure of Cash Apps customer support and appeals process. Every interaction has been generic, unhelpful, and dismissive. Support staff refuse to provide documentation, do not explain their decisions, and ignore repeated follow-ups. The appeals process feels like a closed loop designed to wear customers down instead of providing real resolutions. \n\nThis has been an ongoing problem for years. I have faced repeated issues with Cash App, including : Unauthorized account activity and compromised security, Disputes denied without transparency, Failure to issue provisional credits under Regulation XXXX ( XXXX XXXX  Part XXXX ), and Account suspensions imposed without explanation or cooperation. \n\n\nI have invested significant time and effort trying to get Cash App to follow the law and their own stated policies. Each time, I am stonewalled by a support process that feels engineered to deny responsibility. It is extremely frustrating and unacceptable. \n\nI expect communication, cooperation, and compliance from XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, I am requesting that they : XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly justify the suspension, and XXXX. Correct their ongoing systemic failures. \n\n\n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. \n\nWhat frustrates me most is the complete failure of Cash Apps customer support and appeals process. Every interaction has been generic, unhelpful, and dismissive. Support staff refuse to provide documentation, do not explain their decisions, and ignore repeated follow-ups. The appeals process feels like a closed loop designed to wear customers down instead of providing real resolutions. \n\nThis has been an ongoing problem for years. I have faced repeated issues with Cash App, including : Unauthorized account activity and compromised security, Disputes denied without transparency, Failure to issue provisional credits under Regulation XXXX ( XXXX CFR Part XXXX ), and Account suspensions imposed without explanation or cooperation. \n\n\nIn addition, I am a high-profile candidate for public office. This means I must carefully manage financial activity and strictly adhere to XXXX XXXX XXXX ( XXXX ) regulations. Cash Apps suspension of my account and failure to provide documentation not only frustrate me personally, but also jeopardize my ability to demonstrate compliance with campaign finance law. \n\nI expect communication, cooperation, and compliance from XXXX XXXX XXXX XXXX XXXX Specifically, I am requesting that they : XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly justify the suspension, and XXXX. Correct their ongoing systemic failures. \n\n\n\nFor the sake of transparency, I want this matter and my complaint to be published publicly so that regulators, voters, and the public can see both the seriousness of Cash Apps failures and my persistence in holding them accountable.","date_sent_to_company":"2025-09-19T11:53:36.000Z","issue":"Fraud or scam","sub_product":"Check cashing service","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"16063745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-19T11:27:13.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Reopen this dispute and <em>refund</em> the {$40.00}, XXXX. Provide full <em>documentation</em> of their <em>investigation</em> and <em>account</em> activity, XXXX. Restore my <em>account</em> access or clearly explain the suspension, and XXXX. Correct their ongoing systemic failures that are harming consumers. \n\n\n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The <em>recipient</em> failed to provide the promised goods/services."]},"sort":[17.843323,"16063745"]},{"_index":"complaint-public-v1","_id":"20333390","_score":17.10648,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing charges for transactions that were confirmed as canceled or never processed, yet I was still billed, which may constitute a billing error under the Fair Credit Billing Act and raises serious concerns about the adequacy of Wells Fargos investigation.\n\nI am filing this complaint against Wells Fargo regarding their handling of my credit card dispute involving transactions made through XXXX. \n\nAfter discovering that I had been the victim of a scam, I immediately reported the transactions to Wells Fargo and to the merchant, XXXX. \n\nI received written confirmation from XXXX  that multiple transactions were canceled or did not go through, including : * Transaction ID : XXXX ( {$710.00} ), which I canceled before approval and was confirmed that my account would not be debited * Transaction ID : XXXX ( {$3000.00} ), XXXX ( {$2500.00} ), and XXXX ( {$500.00} ), which were not processed because my bank rejected the transactions and no funds were transferred In addition, I received confirmation that the following transactions were canceled : * Transaction ID : XXXX * Transaction ID : XXXX Despite these confirmations, I was still charged for certain transactions. \n\nAt the same time, XXXX provided inconsistent information by initially stating that transactions were completed and later confirming that some were canceled. This creates serious concerns about billing accuracy and the reliability of the merchants response. \n\nAdditionally, XXXX acknowledged concerns about possible fraudulent activity involving the recipient and confirmed that the recipient was flagged in their system. \n\nDespite this clear evidence, Wells Fargo denied or failed to properly resolve my dispute. I believe the investigation was incomplete and did not fully consider the confirmed cancellations, rejected transactions, and inconsistent merchant responses. \n\nUnder the Fair Credit Billing Act ( FCBA ) and Regulation Z, I am entitled to a reasonable and good faith investigation of disputed transactions. \n\nGiven that multiple transactions were canceled or never processed, and others are associated with a reported scam, I respectfully request that Wells Fargo : * Reopen this dispute and conduct a full and independent investigation * Verify all transaction statuses based on accurate and complete information * Correct any billing errors, including charges for canceled or unprocessed transactions * Issue refunds or credits for any canceled or fraudulent transactions * Provide a clear written explanation of the investigation findings I also request confirmation that my account will not be negatively impacted during this process. \n\nI have attached written confirmation emails from XXXX and supporting documentation for review. \n\nThank you for your attention to this matter.","date_sent_to_company":"2026-03-17T15:12:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"22150","tags":null,"has_narrative":true,"complaint_id":"20333390","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-17T15:06:01.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I have attached written confirmation emails from XXXX and supporting <em>documentation</em> for <em>review</em>. \n\nThank you for your attention to this matter."]},"sort":[17.10648,"20333390"]},{"_index":"complaint-public-v1","_id":"21153396","_score":16.148138,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding my banks handling of a disputed transaction involving tickets purchased through XXXX for an event on XX/XX/year>XXXX  that were never delivered to me. \n\nI purchased event tickets through XXXX with the understanding that they would be transferred to my XXXX account. The tickets were never received, and they do not exist in my XXXX account under my email address. I never accepted any ticket transfer and was unable to access or use the tickets in any way. \n\nXXXX has claimed that the tickets were delivered, however, neither XXXX nor my bank has provided verifiable proof that the tickets were transferred to my account. Specifically, no documentation has been provided showing : The recipient email address used for the transfer Confirmation that the transfer was sent to my correct email address Evidence that the transfer was accepted by my XXXX account Despite this lack of evidence, my bank has repeatedly denied my dispute and sided with the merchant. The bank appears to have relied solely on the merchants assertion of delivery rather than requiring objective proof. \n\nThis situation involves digital goods, where delivery is easily verifiable through transfer records. If the tickets were properly delivered, there should be clear documentation showing transfer to my account and acceptance by me. That evidence has not been produced. \n\nAs a result, I paid for goods that I never received and could not use. I believe this qualifies as services not rendered or merchandise not received under applicable consumer protection standards. \n\nI am requesting that the bank : Conduct a proper and thorough reinvestigation of this dispute Obtain and review actual ticket transfer records from XXXX and/or XXXX Require proof that the tickets were delivered to and accepted by my account Reverse the charge if such proof can not be provided If the bank is unable to produce verifiable proof of delivery to my account, it should not be permitted to deny this claim. \n\nThis complaint is being filed due to the banks failure to meet its obligations in fairly investigating a dispute and protecting the consumer from an unverified merchant claim. \n\nI am requesting resolution and a refund of the disputed charge. \n\nAttachments available upon request : Screenshot of my XXXX account showing no tickets received Communication with XXXX Prior dispute correspondence with the bank","date_sent_to_company":"2026-04-11T02:55:40.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"28405","tags":null,"has_narrative":true,"complaint_id":"21153396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2026-04-11T02:40:24.000Z","state":"NC","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am requesting that the bank : <em>Conduct</em> a proper and thorough reinvestigation of this dispute Obtain and <em>review</em> actual ticket transfer records from XXXX and/or XXXX Require proof that the tickets were delivered to and accepted by my <em>account</em> Reverse the charge if such proof can not be provided If the bank is unable to produce verifiable proof of delivery to my <em>account</em>, it should not be permitted to deny this claim."]},"sort":[16.148138,"21153396"]},{"_index":"complaint-public-v1","_id":"16571156","_score":16.058432,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, during a documented, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00} was stolen from my Chime account and sent via Pay Friends to XXXX XXXX without my authorization. I reported the unauthorized transaction immediately on XX/XX/XXXX, and provided a police report to Chime the same day. However, the initial report didn't specify XXXX XXXX XXXX. There was another transaction from a similar incident ( this happened to me twice in a week. ) Of {$2100.00} stolen from my ex boyfriend to XXXX XXXX. After XXXX denials, I uploaded the police report and this was properly refunded to me on XX/XX/XXXX. But, the {$1200.00} was still denied. \n\nDespite multiple reports and follow-ups, Chime has denied my dispute XXXX times. On Tuesday, XX/XX/XXXX - XXXX received the final police report with updated information. I uploaded this to chime immediately. My ex boyfriend was sentenced on XX/XX/XXXX, and is now in XXXX  Each denial has occurred without a proper investigation and without reviewing my updated police report that I uploaded multiple times and up to on XX/XX/XXXX. That updated report identifies the recipient and confirms this was theft tied to a XXXX XXXXXXXX case ( XXXXXXXX XXXX XXXX XXXX  # XXXX ). I even uploaded documentation about the XXXXXXXX XXXX XXXX \n\nOn XX/XX/XXXX, at XXXX Chime sent me their investigation packet, which only included my old police report not the updated version. In XXXX I sent the initial police report + a lot of text messages. All of those were in the file. But, nothing I sent over last week was in the file.This confirms Chimes investigation was incomplete and unreasonable, violating federal consumer protection laws under Regulation XXXX ( XXXX XXXX XXXX ). \n\nSpecifically : Chime failed to conduct a reasonable investigation as required by 1005.11 ( c ) ( 1 ).\n\nChime failed to reinvestigate upon receipt of new evidence under 1005.11 ( e ).\n\nChime has not provided a written explanation for denial despite multiple requests. \n\nI also have documentation showing that the evidence packet was handled by an employee named XXXX XXXX, who uploaded files on XX/XX/XXXX, but failed to include my newly submitted documents. \n\nI am requesting the CFPB require Chime to : Reopen and reinvestigate my claim using all evidence, including the updated police report. \n\nRefund the stolen {$1200.00} in compliance with Regulation E. \n\nProvide written confirmation explaining their denial reasoning and evidence reviewed. \n\nI have included my evidence and the evidence they provided in my case file. \nOn October 14th, I spoke to a XXXX supervisor. I believe his name was XXXX. He sincerely apologized for this. I explained to him how traumatizing it is to keep calling about this and he stated there really is no reason this should be denied and he is requesting a FULL detailed explanation as to why it was denied. With that being said, he said call back in about XXXX business days when I receive that file. \n\nWhile he was fairly helpful and empathetic, this is inexcusable. I want this expediated and this has taken far to long to begin with. This is illegal.","date_sent_to_company":"2025-10-14T16:19:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77303","tags":null,"has_narrative":true,"complaint_id":"16571156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-10-14T15:48:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["My ex boyfriend was sentenced on XX/XX/XXXX, and is now in XXXX  Each denial has occurred without a proper <em>investigation</em> and without <em>reviewing</em> my updated police report that I uploaded multiple times and up to on XX/XX/XXXX. That updated report identifies the <em>recipient</em> and confirms this was theft tied to a XXXX XXXXXXXX case ( XXXXXXXX XXXX XXXX XXXX  # XXXX )."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[16.058432,"16571156"]},{"_index":"complaint-public-v1","_id":"16438442","_score":15.46888,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint Regarding XXXX XXXX XXXX and Unreasonable Data Request by Wise US Inc . \n\nXX/XX/year> To Whom It XXXX Concern : On XX/XX/year>, I made a {$3000.00} transfer through Wise US Inc. ( Wise ), located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( phone : XXXX ). The purpose of the transfer was to pay urgent XXXX expenses for a seriously ill relative in XXXX. The funds were debited from my XXXX bank account on the same day ( supporting documentation attached ). \n\nAs of todaymore than XXXX weeks laterthe recipient has not received the funds, and Wise has been unable to provide any information as to the location or status of the transfer. Over this period, I contacted Wise six times by phone and email, and I requested to speak with a supervisor on XXXX occasions, but I have received no call back and no meaningful assistance. Wises inability to locate the funds and failure to provide updates are unacceptable and inconsistent with XXXX consumer protection standards for money transmitters. \n\nXXXX. Failure to Trace Missing Funds Under the Consumer Financial Protection Bureaus Remittance Transfer Rule ( 12 C.F.R. 1005.33 ), Wise is obligated to promptly investigate and resolve any reported transfer errors, and to provide written notice of the investigation results. \n\nMoreover, pursuant to UCC Article 4A ( 4A-404 ) and Federal Reserve Regulation J ( 12 C.F.R. Part 210 ), financial institutions are required to exercise ordinary care and trace missing SWIFT transfers using appropriate interbank messaging tools such as XXXX XXXX or XXXX XXXX tracking ( via the XXXX XXXX Transaction Reference, XXXX ). \n\nWise has provided no evidence that such a trace was initiated or that any intermediary bank was contacted. This constitutes a potential violation of their duty to trace the transaction in a timely and diligent manner. \n\nXXXX. Unreasonable and Overreaching Data Request After I supplied Wise with my banks statement confirming that my funds were successfully transferred to Wise on XX/XX/XXXX, the company demanded that I submit a record of every transaction in both my account and my recipients account from the day prior to my transfer until the present. \n\nThis demand is excessive and unrelated to the issue being investigated. I had dozens of personal transactions during that period that have no connection to this transfer. Wise has indicated that it would not provide further assistance unless I disclose this private data. \n\nSuch conduct appears inconsistent with the XXXX XXXX ( 15 U.S.C. 6801 et seq. ), which requires financial institutions to limit the collection and use of non-public personal information to what is necessary for legitimate business or regulatory purposes. The request also conflicts with the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibits unfair or deceptive acts or practices, and exceeds what is required for anti-money-laundering verification under the Bank Secrecy Act ( 31 U.S.C. 5318 ; 31 C.F.R. 1022.320 ). \n\nIn my experience as a former banker, I have never encountered a financial institution conditioning basic transaction tracing on such an overreaching disclosure of unrelated private data. \n\nXXXX. Requested Remedies I respectfully request that the Office : XXXX. Direct Wise US Inc. to immediately initiate a formal XXXX XXXX ( XXXX or equivalent ) using the XXXX for Transfer # XXXX and provide me written confirmation of the trace results. \nXXXX. Require Wise to comply with CFPB Regulation E ( 1005.33 ) by refunding or crediting my account if the funds can not be located within the applicable investigation period. \nXXXX. Investigate Wises data-collection practices, as conditioning assistance on the disclosure of unrelated banking transactions XXXX violate federal privacy and consumer-protection laws. \n\nXXXX. Supporting Documentation Enclosed are : - Wise transfer confirmation ( Transfer # XXXX ) - Bank statement showing debit to Wise on XX/XX/year> - Correspondence with Wise customer support requesting unrelated account data Thank you for your attention to this matter and for any assistance in ensuring that Wise promptly locates or refunds my missing transfer and that its customer-data practices are properly reviewed for compliance. \n\nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-10-08T22:25:48.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"33156","tags":null,"has_narrative":true,"complaint_id":"16438442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2025-10-08T22:00:58.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Supporting <em>Documentation</em> Enclosed are : - Wise transfer confirmation ( Transfer # XXXX ) - Bank statement showing debit to Wise on XX/XX/year> - Correspondence with Wise customer support requesting unrelated <em>account</em> data Thank you for your attention to this matter and for any assistance in ensuring that Wise promptly locates or <em>refunds</em> my missing transfer and that its customer-data practices are properly <em>reviewed</em> for compliance. \n\nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX"]},"sort":[15.46888,"16438442"]},{"_index":"complaint-public-v1","_id":"19210076","_score":14.939596,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To Whom It May Concern, I am submitting this as a formal complaint and escalation regarding extensive fraudulent activity on my former Chase savings account and Chases handling and closure of Claim # XXXX ( closed XX/XX/XXXX ). \n\nBetween XX/XX/XXXX and XX/XX/XXXX, unauthorized ACH debits were made from my Chase savings account using XXXX XXXX, an international money transfer service. These transactions were conducted using my identity without my authorization and resulted in approximately {$47000.00} being removed from my account. \n\nKey Facts No debit or credit card was ever issued or linked to this savings account No wire transfers were authorized Chase alerts were enabled for wire activity, yet no alerts were ever sent for these ACH debits Chase failed to notify me of the unauthorized withdrawals during the time they occurred Law Enforcement Involvement Police Report : Case # XXXX XXXX XXXX XXXX XXXX  ( NJ ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX issued subpoenas to both Chase and XXXX. The responses were conflicting : Chase stated the funds were sent through XXXX XXXX XXXX XXXX provided records showing the funds were sent to the XXXX XXXX, through XXXX XXXX, to the following recipients : XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX transactions involved a cash pickup of {$810.00} Deficiencies in Chases Investigation My claim was closed without notice or discussion, despite repeated follow-ups with Chase supervisors A Chase XXXX XXXX stated that XXXX suffered no financial loss, as XXXX refunded the funds to Chase Despite this, I was told Chase could not take further action because the claim was closed My request to speak with a XXXX was explicitly declined I was advised incorrectly and inappropriately to take it to small claims court My savings account was closed, and I was not provided a final written claim determination or investigative report Chase refunded me {$13000.00} which was the total amount of money lost during the first XXXX days of the fraud. I am still owed approx. {$34000.00}. \n\nTo date, I have no documentation explaining : How the fraud occurred Why alerts failed Why Chase closed the claim How Chase reconciled conflicting subpoena responses Why I was denied escalation or supervisory review I Requested Action I formally request the following within XXXX business days : A complete copy of the final claim report and investigative findings Documentation showing : Dates, amounts, and ACH authorization details for each fraudulent transaction The receiving bank ( s ) and routing details A written explanation of : Why Chase failed to alert me Why the claim was closed Why my account was closed Confirmation of whether Remitly reimbursed Chase and on what basis Reopening of my claim for full review with a dedicated XXXX or executive-level contact Client Relationship I have been a Chase Private Client for many years, with historical balances between {$500000.00} and {>= $1,000,000}. I also hold : Chase credit cards ( XXXX years ) A Chase mortgage on my primary residence I was working concurrently with my local Chase branch XXXX in XXXX XXXX NJ , who has filed an internal complaint on my behalf. I expect Chase to address this matter transparently and in good faith. \n\nAbsent a substantive response, I am prepared to escalate this matter to : The Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil action if necessary","date_sent_to_company":"2026-02-03T14:55:42.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"19210076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-02-03T14:37:32.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["These transactions were <em>conducted</em> using my identity without my authorization and resulted in approximately {$47000.00} being removed from my <em>account</em>."]},"sort":[14.939596,"19210076"]},{"_index":"complaint-public-v1","_id":"23089734","_score":14.287616,"_source":{"product":"Checking or savings account","complaint_what_happened":"Product/Service Type : Product : Checking Account / Debit Card ( or Credit Card , select whichever applies ) Company : Wells Fargo Bank , N.A . \nDispute/Claim Number : XXXX Transaction Amount : {$1200.00} Merchant : XXXX XXXX XXXX Summary & Consumer Hardship I am filing this formal complaint against Wells Fargo for an explicit violation of my consumer rights under the Fair Credit Billing Act ( FCBA )/ Regulation Z. Wells Fargo has prematurely closed a high-value merchant dispute for \" Merchandise Not Received, '' reversed a previously granted provisional credit without prior notification, and officially refused to conduct a proper investigation. \nThe bank 's supervisory staff has instructed me to seek a financial remedy from a third-party shipping carrier ( XXXX  ) . As the consumer, I have no contractual relationship with XXXX ; the merchant holds that contract. Wells Fargo is legally obligated to investigate the merchant 's failure to deliver the goods to me, rather than forcing me to resolve logistics failures between a merchant and their chosen carrier. \nStatement of Consumer Harm : The bank 's refusal to follow federal billing dispute procedures has caused severe financial distress. I am a widowed mother of XXXX, barely making ends meet. Being wrongfully deprived of {$1200.00} because a carrier handed my daughter 's college laptop to a complete stranger is a devastating and unfair financial blow that I can not afford to absorb. \nDetailed Chronology of Events XX/XX/2026 : I purchased an open-box laptop from XXXX XXXX for {$1200.00} intended for my daughters university XXXX XXXX. The item failed to arrive. I contacted XXXX XXXX customer service the same day, and they promised a replacement shipment to arrive by XX/XX/2026. \nXX/XX/2026 : XXXX XXXX canceled the replacement order due to stock unavailability. A customer service representative stated they would process a full refund instead. \nBetween XX/XX/XXXX and XX/XX/2026 : I noticed an email from XXXX XXXX indicating they would not be fulfilling the refund, casually advising me to contact local authorities instead. I did not contact anyone at that time, as I was waiting and hoping the merchant would honor the refund they had promised over the phone. \nXX/XX/2026 : Having received no resolution from the merchant, I contacted Wells Fargo to initiate a formal dispute for merchandise not received. Wells Fargo opened a claim and provided a provisional credit. \nXX/XX/2026 : Without any app alerts, emails, or phone calls requesting additional evidence, Wells Fargo abruptly reversed the provisional credit and removed the {$1200.00} from my account. \nI called Wells Fargo immediately. The frontline representative stated the claim was closed because XXXX XXXX provided \" compelling evidence '' consisting solely of my correct shipping address. \nI escalated the call to a supervisor named XXXX. Upon reviewing the XXXX  proof of delivery together, XXXX acknowledged a critical oversight : the package was signed for by an unauthorized stranger named \" XXXX '' a name that does not belong to anyone in my household. \nXXXX failed to verify the recipient 's identity or utilize secure delivery protocols ( such as requiring a verification code sent to my phone ), simply handing a high-value package to the first person they saw. \nSupervisor XXXX reopened the file to accept new evidence, providing a 2-business-day window, and instructed me to email documentation to XXXX under XXXX XXXX XXXX. \nXX/XX/2026 ( Today ) : I successfully transmitted the documentation to the correct queue. I called to confirm receipt and was connected to supervisor XXXX. \nSupervisor XXXX refused to act on the evidence or reopen the dispute, stating \" XXXX XXXX already did their part. '' To prove that the person who signed for the delivery ( \" XXXX '' ) was an unauthorized stranger, I provided an official HUD household composition form showing that only myself and my daughters reside at the property. XXXX dismissed this evidence because the form listed the property name ( \" XXXX XXXX '' ) and XXXX  XXXX, rather than the full street address ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX  XXXX ). \nSupervisor XXXX concluded the call by formally denying further bank action and instructing me to file a claim directly with XXXX. \nCore Regulatory Violations Failure to Investigate Under Regulation Z : Wells Fargo accepted a mere shipping label/address as \" compelling evidence, '' completely ignoring the delivery document showing an entirely different person ( \" XXXX '' ) signed for the high-value item. They refused to investigate the clear mismatch. \nImproper Shifting of Burden of Proof : Under the FCBA, the burden is on the merchant to prove successful delivery to the consumer, not just to a geographic radius or a random bystander.\n\nUnlawful Deflection to a Third Party : Pushing a recipient to file a financial claim with XXXX  is legally invalid. XXXX handles claims with the shipper ( XXXX XXXX ), who holds the contract. Wells Fargo is using this to avoid executing a standard merchant chargeback. \n\nI have a call confirming what the supervisors said.","date_sent_to_company":"2026-06-10T21:47:55.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"85009","tags":null,"has_narrative":true,"complaint_id":"23089734","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-06-10T20:57:51.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Upon <em>reviewing</em> the XXXX  proof of delivery together, XXXX acknowledged a critical oversight : the package was signed for by an unauthorized stranger named \" XXXX '' a name that does not belong to anyone in my household. \nXXXX failed to verify the <em>recipient</em> 's identity or utilize secure delivery protocols ( such as requiring a verification code sent to my phone ), simply handing a high-value package to the first person they saw."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.287616,"23089734"]},{"_index":"complaint-public-v1","_id":"18267986","_score":13.454353,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Chase Bank 's refusal to investigate or reimburse {$610.00} that I lost to an elaborate fraud scheme conducted through XXXX between XXXX XXXX XXXX. \n\nDetails of the Fraud : I was contacted by what appeared to be a legitimate custom steering wheel business operating under the name \" XXXX XXXX XXXX  '' with a professional website ( XXXX ) and a XXXX account with thousands of followers. The account regularly posted customer reviews and testimonials, which gave the appearance of legitimacy. After being followed by this account, I reached out via XXXX direct message to inquire about their products. \nThe scammer, who identified himself as \" XXXX, '' directed me to continue communication on XXXX where he showed me detailed photos and videos of custom steering wheels and offered to create a product with my exact specifications ( red stitching, carbon fiber ). He quoted me a total price and requested a 40 % deposit of {$160.00}, with the remaining balance due upon delivery. \nTimeline of Fraudulent XXXX Transactions : XX/XX/XXXX : I sent {$160.00} via XXXX to \" XXXX XXXX '' ( who was presented as XXXX 's wife and business partner ) for the deposit. \nXX/XX/XXXX : I was told to pay {$150.00} via XXXX to \" XXXX XXXX '' for shipping and insurance fees, with assurance this would be refunded. \nXX/XX/XXXX : After being provided with tracking information through a fake delivery company called \" XXXX XXXX XXXX XXXX '' ( which had its own professional-looking website with my tracking details ), I was instructed to pay an additional {$200.00} carrier insurance fee via XXXX. \nXX/XX/XXXX : I was then told I needed to pay {$100.00} to \" activate '' the refund of the previous insurance payment. \n\nTotal Loss : {$610.00} via XXXX in 4 separate transactions to 3 different recipients After each payment, the scammer provided seemingly legitimate documentation including photos of the packaged product with my name and address on a handwritten shipping label, updated tracking information on the fake courier website, and professional email correspondence from the fake delivery company. \nThe sophistication of this scam became apparent when I received an email from \" XXXX XXXX XXXX XXXX '' claiming that one of their employees had been caught engaging in unauthorized financial theft via XXXX and had been \" apprehended. '' The scammer \" XXXX '' feigned surprise at this development. When I confronted him about the scam, he immediately deleted his XXXX account and deactivated his XXXX number. I have preserved all evidence including the complete XXXX conversation, XXXX direct messages, and email chain. \nChase Bank 's Failure to Help : I reported this fraud to Chase Bank on XX/XX/XXXX and have contacted them multiple times since. Chase has refused to : Conduct a meaningful investigation into these fraudulent XXXX transactions Provide reimbursement for the stolen funds Properly escalate my fraud claim Each time I contacted Chase, I was told that XXXX transactions can not be reversed and that they could not help me, despite the fact that I was clearly the victim of an elaborate fraud scheme involving impersonation, fake businesses, and fake delivery companies. \nRelevance to Recent CFPB Enforcement Action : I am aware that on XX/XX/XXXX, the CFPB filed a lawsuit against JPMorgan Chase ( along with XXXX  XXXX XXXX and XXXX XXXX ) for failing to properly investigate fraud complaints and provide legally required reimbursement for fraud and errors on XXXX. Chase 's handling of my case appears to be consistent with the systemic failures cited in that lawsuit. \nThis was not a case of buyer 's remorse or a legitimate transaction dispute - I was the victim of a sophisticated fraud operation involving fake businesses, fake websites, fake tracking systems, and identity impersonation. Chase 's refusal to investigate or assist represents a failure to protect customers from fraud on their platform.","date_sent_to_company":"2025-12-24T04:46:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75025","tags":null,"has_narrative":true,"complaint_id":"18267986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-24T04:24:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["I am filing this complaint regarding Chase Bank 's refusal to <em>investigate</em> or reimburse {$610.00} that I lost to an elaborate fraud scheme <em>conducted</em> through XXXX between XXXX XXXX XXXX. \n\nDetails of the Fraud : I was contacted by what appeared to be a legitimate custom steering wheel business operating under the name \" XXXX XXXX XXXX  '' with a professional website ( XXXX ) and a XXXX <em>account</em> with thousands of followers."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.454353,"18267986"]},{"_index":"complaint-public-v1","_id":"17803068","_score":12.807618,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Complaint Against USAA Federal Savings Bank Improper Denial of Fraud Claim Under Regulation E ( XXXX Scam ) Financial company : USAA Federal Savings Bank Type of product : Checking account / XXXX ( P2P transfer ) Account ending : XXXX Dispute/Claim ID : XXXX -- - What happened On XX/XX/year>, I was the victim of a bank-impersonation scam involving a fraudulent XXXX transfer of {$1000.00} from my USAA checking account. \n\nI received a call from someone who claimed to be from USAAs fraud department. They stated there was suspicious activity on my account and that I needed to follow their instructions to secure my funds. Relying on their representation that they were USAA, I followed their directions. As a result, a XXXX transfer of {$1000.00} was sent from my account to XXXX XXXX ( a recipient controlled by the scammer ). \n\nI did not receive any goods, services, or benefit from this transaction. This was not a legitimate purchase or payment I intended to make to a merchant or known party. It was the result of deception and impersonation of my bank. \n\nI reported the fraud to USAA on XX/XX/year>. USAA opened a dispute and initially issued a temporary/provisional credit for the {$1000.00}. \n\nOn or about XX/XX/year>, USAA sent me a letter stating that they had completed their investigation and were denying my claim. As part of that denial, the provisional credit of {$1000.00} was actually withdrawn twice, resulting in a total negative impact of {$2000.00} instead of just the original {$1000.00} fraudulent transfer. In other words, not only did USAA refuse to permanently restore the original {$1000.00}, but their handling of the provisional credit created an additional {$1000.00} debit to my account. \n\nThis has left me in a worse financial position than before I reported the fraud. \n\n\n-- - What the bank said In a written letter, USAA stated ( paraphrased and quoted ) : They had completed their investigation and determined that no error occurred. \n\nFunds were sent as requested. \n\nThey referenced XXXX Terms of Service and said that the sender is responsible for resolving disputes with the recipient, including for goods or services. \n\nThey stated that the external bank declined to return the funds. \n\nThey concluded the investigation and stated that no further action would be taken and that the temporary credit would be debited from my account. \n\n\nUSAA is treating this as if I voluntarily paid someone for goods/services and am now unhappy, instead of acknowledging it as fraud and a bank-impersonation scam. In addition, USAAs own handling of the provisional credit has effectively resulted in a double withdrawal. \n\n\n-- - Why I believe this violates Regulation E and CFPB guidance This situation is an unauthorized electronic fund transfer ( EFT ) under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 C.F.R. 1005 ).\n\nRegulation E, 12 C.F.R. 1005.2 ( m ) defines an unauthorized electronic fund transfer as a transfer from a consumers account initiated by a person other than the consumer without actual authority and from which the consumer receives no benefit.\n\nIn this case, a third party impersonated my bank, deceived me, and caused the transfer. I received no benefit, and the scammer had no actual authority.\n\nThe CFPBs own guidance/FAQs on electronic fund transfers and P2P payments explain that : A credit-push P2P transfer ( such as a XXXX payment ) is considered an EFT even if initiated by a third party that fraudulently obtained access to a consumers account, and that such a transfer is an unauthorized EFT when done without the consumers actual authority and without benefit to the consumer.\n\nDespite this, USAA denied my claim by : 1. Treating the transaction as if it were a legitimate, authorized payment sent as requested ; 2. Citing XXXX  Terms of Service and saying the sender is responsible and must resolve it with the recipient ; 3. Ignoring the fact that this was a bank-impersonation scam, not a dispute over goods or services ; 4. Failing to correct what appears to be an internal error that caused the provisional credit to be withdrawn twice, resulting in a total of {$2000.00} in debits tied to a {$1000.00} fraudulent transaction. \n\n\n\nXXXX terms of service can not override federal protections under Regulation E. USAAs position appears contrary to EFTA and CFPB interpretations regarding unauthorized EFTs and bank-impersonation scams, and its handling of the provisional credit appears to be an additional error.\n\nAdditionally, under 12 C.F.R. 1005.11 ( b ) ( d ), USAA is required to : Conduct a reasonable investigation of an alleged error ; Determine whether an error occurred ; Provide a provisional credit if they can not complete the investigation within 10 business days ; Correct any bank errors and provide written explanation and, if requested, the documentation used in making its determination.\n\nUSAAs letter is generic and relies on XXXX network response and terms of service, rather than a proper Regulation XXXX analysis of an unauthorized transfer caused by fraud and impersonation, and it does not address the double debit of the provisional credit. \n\n\n-- - What I am asking the CFPB to do I am requesting that the CFPB : 1. Review USAAs handling of my claim under Regulation E/EFTA and CFPB guidance on P2P fraud and bank impersonation scams ; 2. Require USAA to properly treat this as an unauthorized electronic fund transfer, not a goods/services dispute or no error ; 3. Require USAA to refund the original {$1000.00} that was taken from my account as a result of this scam, 4. Require USAA to correct the additional {$1000.00} debit that occurred when the provisional credit was withdrawn twice, so that I am not penalized beyond the original fraudulent amount ; 5. Reverse any related fees or negative consequences applied to my account due to these debits ; 6. Ensure USAA provides me with the documentation and evidence they relied on in denying the claim ( call logs, internal notes, any risk analysis, communications with the receiving bank, etc. ) ; 7. Review whether USAAs general policies and practices concerning XXXX and impersonation scams comply with Regulation E and CFPB guidance.\n\nThis scam has caused me significant financial and emotional stress. I relied on my bank to protect me and to follow federal law, and instead I feel I have been victimized twiceonce by the scammer and then again by the banks refusal to recognize this as fraud and by the double withdrawal of the provisional credit.\n\nThank you for your time and assistance. \n\nName : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XXXX","date_sent_to_company":"2025-11-21T22:33:51.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"786XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17803068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-11-21T22:02:13.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, under 12 C.F.R. 1005.11 ( b ) ( d ), USAA is required to : <em>Conduct</em> a reasonable <em>investigation</em> of an alleged error ; Determine whether an error occurred ; Provide a provisional credit if they can not complete the <em>investigation</em> within 10 business days ; Correct any bank errors and provide written explanation and, if requested, the <em>documentation</em> used in making its determination."]},"sort":[12.807618,"17803068"]},{"_index":"complaint-public-v1","_id":"17403944","_score":12.608185,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I sent {$2500.00} via XXXX through Chase Bank for business mentorship services that were never delivered. The payments were split as {$2000.00} to the seller 's personal account and {$500.00} to XXXX XXXX ( XXXX XXXX ). \n\nI have a signed contract dated XX/XX/year> ( via XXXX ) that explicitly promises : dedicated XXXX mentorship with private communication, XXXX weekly group calls, personalized assistance on an as-available basis, and comprehensive A-Z guidance for building an e-commerce business. \n\nWhat was actually delivered : Communication consisted of sporadic XXXX word responses every XXXX days ( sometimes taking over a week ). Group calls were frequently canceled with excuses. The last group call occurred on XX/XX/year>. No genuine personalized assistance was ever provided - only generic surface-level advice. On XX/XX/year>, the seller completely abandoned the program and ceased all communication. \n\nThe seller 's sales page contained unsubstantiated income claims such as \" XXXX to XXXX figures, '' \" build a XXXX figure business, '' and \" multi XXXX results in XXXX months '' without any FTC-required disclosures about atypical XXXX. Multiple other customers report experiencing identical patterns : week-long response delays, canceled calls, no actual mentorship, and eventual abandonment. \n\nAdditionally, the seller operates competing e-commerce stores while having unrestricted access to students ' confidential product data, advertising strategies, and business information. Multiple students report the seller systematically copied their winning products and advertising creative for his own commercial benefit. The contract prohibits students from competing with the seller but contains no reciprocal restriction on the seller. \n\nI also paid {$2500.00} through the XXXX platform on XX/XX/year> for the same program ( separate dispute filed with that platform ). Total fraud amount : {$5000.00}. \n\nOn XX/XX/year>, I contacted Chase and spoke with a representative who professionally opened fraud dispute reference number XXXX. The representative indicated the outcome would be \" at the mercy of the vendor 's bank '' and that XXXX payments are typically irreversible. \n\nI am filing this CFPB complaint to ensure proper investigation under Regulation E ( 12 CFR 1005 ). This is not a service quality dispute - this is documented fraud involving material misrepresentation, systematic non-delivery of contracted services, and complete program abandonment. I want Chase to : XXXX. Conduct independent investigation beyond simply forwarding my complaint to the recipient 's bank XXXX. Not accept a cursory denial from the fraudulent seller 's bank without thorough review of evidence XXXX. Recognize this as fraud where services were misrepresented and never delivered, not an authorized transaction dispute XXXX. Provide full refund of {$2500.00} I have extensive documentation including the signed contract showing promised versus delivered services, XXXX payment receipts, screenshots proving non-delivery and abandonment timeline, and statements from multiple other defrauded customers experiencing identical fraud patterns.","date_sent_to_company":"2025-11-20T17:50:57.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"91731","tags":null,"has_narrative":true,"complaint_id":"17403944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-20T17:36:39.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing this CFPB complaint to ensure proper <em>investigation</em> under Regulation E ( 12 CFR 1005 ). This is not a service quality dispute - this is documented fraud involving material misrepresentation, systematic non-delivery of contracted services, and complete program abandonment. I want Chase to : XXXX. <em>Conduct</em> independent <em>investigation</em> beyond simply forwarding my complaint to the <em>recipient</em> 's bank XXXX."]},"sort":[12.608185,"17403944"]},{"_index":"complaint-public-v1","_id":"14385966","_score":11.410001,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint reasoning : Violations of : Unauthorized electronic fund transfer means an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate such transfer, Bad Faith Denial & Security Failures & Violations of : Regulation E 1005.6 ( a ) ( 1 ) : Unauthorized EFTs by non-consumer Regulation E 1005.11 ( m ) : Bad faith denial of valid claims Regulation E 1005.11 ( b ) : Failure to investigate/prove authorization FTC Safeguards Rule : Insecure authentication systems.\n\nCapital One violated 12 CFR 1005.6 ( a ) ( 1 ) by claiming transfers initiated by thieves using a stolen device were 'authorized. ' Under Regulation E, unauthorized means 'initiated by a person other than the consumer without actual authority'exactly what occurred here.\n\nCapital One violated 12 CFR 1005.6 ( a ) ( 1 ) by claiming transfers initiated by thieves using a stolen device were 'authorized. ' Under Regulation E, unauthorized means 'initiated by a person other than the consumer without actual authority'exactly what occurred here. \n\n-- Initial complaint reasoning : Unauthorized electronic fund transfers totaling {$7500.00} were initiated from my Capital One account by unknown third parties using a compromised/stolen device. I immediately discovered these transactions were not authorized by me and contacted Capital One within the required timeframe under Regulation E. \n\nCapital One conducted what they claimed was an investigation but denied my dispute claim, stating the transactions were \" authorized '' because they originated from a device previously used for legitimate transactions. This determination is factually and legally incorrect. \n\nThe transactions were initiated by thieves who had gained unauthorized access to a device, not by me as the account holder. Under 12 CFR 1005.6 ( a ) ( 1 ), an unauthorized electronic fund transfer is specifically defined as one \" initiated by a person other than the consumer without actual authority to initiate such transfer '' - which precisely describes what occurred.\n\nCapital One 's denial appears to be in bad faith, as they : Failed to properly investigate per Regulation E 1005.11 ( b ) Could not prove I authorized these specific transactions Incorrectly conflated device recognition with consumer authorization Violated FTC Safeguards Rule by maintaining inadequate authentication systems other info : I provided all requested documentation and cooperated fully with their process. Despite clear evidence these were unauthorized transfers, Capital One upheld their denial without providing substantive proof of my authorization.\n\nMy smartphone was stolen. XXXX  tracking confirms theft. \n\nDuring this period, I worked nights/slept days, leaving the device vulnerable. \n\n2. Fraudulent Transactions ( XXXX XXXX XXXX  ) : Thieves used compromised biometrics ( likely added while I slept ) to access accounts. \n\nXXXX unauthorized XXXX XXXX transfers ( {$7500.00} total ) to \" XXXX '' and \" XXXX  XXXX '' : XX/XX/XXXX : 6 transactions ( {$2500.00} ) XX/XX/XXXX : XXXX transactions ( {$3100.00} ) XX/XX/XXXX : XXXX transactions ( {$1800.00} ) XXXX. XXXX & First Dispute ( XX/XX/2025 ) : Reviewed statement and identified fraud. \n\nXXXX. Bank Notification ( XX/XX/2025 ) : Called within 48 hours to dispute, providing : Device theft evidence Explanation of biometric compromise Demand for investigation under Regulation E 1005.6 ( a ) ( 1 ) ( unauthorized transfers ) 5. Bank 's Contradictory Actions : XX/XX/2025 : Refunded {$14000.00} for identical fraud ( same recipients/period ) XX/XX/2025 : Denied {$7500.00} dispute, claiming \" account activity supports valid charges '' with no new evidence","date_sent_to_company":"2025-07-01T20:47:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14385966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-07-01T19:50:32.000Z","state":"OR","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Bank Notification ( XX/XX/2025 ) : Called within 48 hours to dispute, providing : Device theft evidence Explanation of biometric compromise Demand for <em>investigation</em> under Regulation E 1005.6 ( a ) ( 1 ) ( unauthorized transfers ) 5. Bank 's Contradictory Actions : XX/XX/2025 : <em>Refunded</em> {$14000.00} for identical fraud ( same <em>recipients</em>/period ) XX/XX/2025 : Denied {$7500.00} dispute, claiming \" <em>account</em> activity supports valid charges '' with no new evidence"],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.410001,"14385966"]},{"_index":"complaint-public-v1","_id":"11626508","_score":11.131167,"_source":{"product":"Checking or savings account","complaint_what_happened":"Today, the Consumer Financial Protection Bureau ( CFPB ) ordered Block, the operator of the peer-to-peer payments app Cash App, to refund and pay other redress to consumers up to {$120.00} XXXX and pay a penalty of {$55.00} XXXX into the CFPBs victims relief fund. Block employed weak security protocols for Cash App and put its users at risk. While Block is required by law to investigate and resolve disputes about unauthorized transactions, the companys investigations were woefully incomplete. Block directed users who had suffered financial losses as a result of fraud to ask their bank to attempt to reverse transactions, which Block would subsequently deny. Block also deployed a range of tactics to suppress Cash App users from seeking help, reducing its own costs.\n\nCash App created the conditions for fraud to proliferate on its popular payment platform, said CFPB Director XXXX XXXX. When things went wrong, Cash App flouted its responsibilities and even burdened local banks with problems that the company caused. \n\nBlock, Inc. ( NYSE : SQ ) is a publicly traded corporation whose principal executive offices are in XXXX, California. Block offers multiple digital payments products for businesses and consumers, including the point-of-sale payment system Square and the consumer payment service Cash App. Cash App is one of the largest peer-to-peer payment platforms in the United States, with more than 56 million accounts. It allows consumers to send and receive electronic money transfers ; accept direct deposits ; and use a prepaid card, XXXXash Card, to make purchases and ATM withdrawals. Block made approximately {$7.00} XXXX in gross profit in 2023, approximately {$4.00} XXXX of which was generated by Cash App. \n\nCash App attempted to avoid many of its investigative obligations through tricking consumers with its Terms of Service. For example, many Cash App users link their bank account to the app. When a transaction occurs, the money is pulled from the users bank account and sent to the transaction recipient. In Cash Apps Terms of Service, consumers are led to believe that disputes are the responsibility of their linked bank. The Electronic Fund Transfer Act generally requires that peer-to-peer platforms, including Cash App, investigate disputes of unauthorized transactions, and a company can not simply use fine print to escape these legal requirements. When it did conduct investigations, Block used intentionally shoddy investigation practices to close reports of unauthorized transactions in the companys favor.\n\nBlock also deprived Cash App users of meaningful and effective customer service and left the network vulnerable to criminals defrauding users. While Block included a telephone number on the back of its Cash Card and in its Cash App Terms of Service, for many years this telephone number did not connect consumers to customer support of any type. Instead, it led to a pre-recorded message directing consumers to contact customer support through the app. Consumers could only contact Block through the app or through U.S. mail and were often met with delayed, inadequate, confusing, or inaccurate responses. Consumers looking for an alternate route to Cash App customer service through web searches were targeted by fraudsters posing as Cash App representatives, who tricked them into giving up their passwords and other personal information. Block knew that its customers were being targeted by fraudsters in this way but failed to take timely action to address the issue.\n\nEnforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including those engaging in unfair, deceptive, or abusive acts or practices. The CFPB also has the authority to enforce the Electronic Fund Transfer Act. The CFPBs order requires Block to : Pay {$120.00} XXXX to harmed consumers : Block is required to pay up to {$120.00} XXXX in refunds and other redress to consumers whose unauthorized transfers were not investigated, consumers who did not receive refunds they were entitled to, and consumers whose accounts were locked for an extended period of time or who were not provided provisional credits during a delayed investigation. Block must pay a minimum amount of {$75.00} XXXX in refunds and other redress. The CFPB will enforce the orders redress requirements to ensure affected Cash App users receive redress. Consumers will not need to take action at this time to obtain redress. \nFix customer service and investigate disputes : To ensure that the misconduct does not recur, the order requires Block to set up 24-hour, live-person customer service. The order also requires Block to fully investigate unauthorized transactions and to provide timely refunds, where appropriate. \nPay a {$55.00} XXXX fine : Block will pay a {$55.00} XXXX penalty to the CFPBs victims relief fund. \n\n**Consumer Financial Protection Bureau ( CFPB ) Complaint Against CashApp** **Complainant : XXXX XXXX **Company Name : CashApp ( Block, Inc. ) ** **Account Number:XXXX XXXX XXXX XXXX **Date of Incident : XX/XX/scrub>/2023 - XXXX2023** **Total Amount in Dispute : $ XXXX -- - **Complaint Summary : ** I am filing this formal complaint against CashApp for its negligent, unfair, and abusive handling of multiple unauthorized, malicious, and fraudulent transactions on my account. Despite providing CashApp with sufficient information to investigate my claim, their response has been grossly inadequate and unprofessional. CashApp 's immediate denial of my disputes within 24-48 hours of my report demonstrates a complete lack of due diligence in investigating the matter. **Details of the Incident : ** 1. **Unauthorized Transactions : ** - On XX/XX/scrub> 2023, I contacted CashApp to report multiple fraudulent transactions on my account, amounting to {$7700.00}. The transactions were made by a merchant operating under the name XXXX, with locations in XXXX XXXX and XXXX, starting on XX/XX/year>2023. - The disputed transactions are as follows : - XX/XX/scrub>/2023 : {$550.00} - XX/XX/year>2023 : {$480.00} - XXXX/XXXX/2023 : {$480.00} - XXXX/XXXX/2023 : {$480.00} - XX/XX/year>2023 : {$480.00} - XX/XX/scrub>/2023 : {$480.00} - XX/XX/year>2023 : {$480.00} - XXXX/XXXX/2023 : {$480.00} - XX/XX/scrub>/2023 : {$480.00} - XX/XX/scrub>/2023 : {$480.00} - XX/XX/scrub>/2023 : {$480.00} - XX/XX/year>2023 : {$460.00} - XX/XX/year>2023 : {$460.00} - XX/XX/scrub>/2023 : {$460.00} - XXXX/XXXX/2023 : {$460.00} - XX/XX/scrub>/2023 : {$460.00} 2. **Negligent Investigation : ** - CashApp failed to conduct a thorough investigation into these unauthorized transactions. They denied my disputes within 24-48 hours, without ever reaching out to the merchant or conducting a full review of the circumstances. - I requested documentation from CashApp to understand the basis for their decision, but the only document provided was a basic receipt/invoice. This document clearly indicates that the card was never present at the time of the transactions, suggesting that my information could have been stolen and used without my authorization. 3. **Violation of Consumer Rights : ** - My funds are FDIC insured, and as a consumer, I am entitled to protection and a thorough investigation in cases of unauthorized transactions. CashApps actions in declining my disputes and failing to investigate properly constitute a violation of these rights. - Additionally, CashApp has not provided any substantial proof or affidavit under penalty of perjury to justify their actions or the validity of the transactions. 4. **Material Misrepresentation : ** - I assert that CashApps failure to investigate these transactions properly, combined with their inadequate response and lack of evidence, constitutes material misrepresentation. This is a clear case of fraudulent behavior that has caused significant financial harm to me as a consumer. 5. **Precedent Case : ** - I reference the case of *Salinas, et al. v. Block, Inc. and Cash App Investing, LLC*, where Block and Cash App Investing were FOUND negligent and breached other obligations to users when they failed to implement appropriate controls to prevent unauthorized access to and use of Cash App accounts and when they mishandled and failed to adequately resolve customer complaints regarding unauthorized and unintended transactions. **Requested Relief : ** 1. **Immediate Reimbursement : ** I request a full reimbursement of the {$7700.00} that was fraudulently taken from my account. 2. **Comprehensive Investigation : ** I demand a thorough investigation into these unauthorized transactions, including communication with the merchant to provide proof that these transactions were authorized by me, including my signature or identification. 3. **Detailed Explanation : ** I request a detailed explanation from CashApp regarding the rapid denial of my dispute, including any evidence or documentation that was used to reach this decision. 4. **Formal Apology and Assurance : ** I demand a formal apology from CashApp for their negligent handling of this matter and assurance that appropriate measures will be taken to prevent such occurrences in the future. If these issues are not resolved promptly, I will have no choice but to escalate this matter through small claims court and/or arbitration. This complaint serves as formal documentation of my administrative process in seeking remedy. I expect CashApp to address these concerns with the seriousness they deserve and take immediate corrective action. **Govern yourselves accordingly. ** I have attached the document you allege was sent to me confirming and verifying that this transaction was authorized. THIS DOCUMENT is not sufficient to uphold in court. When i claim that a transaction was unauthorized, the bank must provide specific evidence to prove that the transaction was, in fact, authorized. The requirements may vary depending on the jurisdiction, but generally, the following are essential : 1. Evidence of Authorization Signed Document or Agreement : The bank may need to produce a signed document, such as a transaction authorization form, showing your consent.\n\nDigital or Electronic Authorization : If the transaction was conducted online, the bank must show proof that you authenticated it using credentials like a password, PIN, biometric data ( e.g., fingerprint or facial recognition ), or a one-time code.\n\n2. Authentication Records IP Address or Location Data : For online transactions, the bank might provide evidence of the device or location where the transaction occurred, matching it to your known usage patterns.\n\nTimestamp and Confirmation Logs : Records showing when and where the transaction was initiated, including confirmation of successful authentication.\n\n3. Transaction Receipts or Evidence Merchant Records : Proof from the merchant showing that goods or services were provided in connection with the transaction.\n\nPoint-of-Sale Records : If the transaction was in person, records from the payment terminal, including any signed receipts.\n\n4. Compliance with Industry Standards Fraud Detection Protocols : Evidence that the bank followed established fraud-detection measures at the time of the transaction.\n\nTwo-Factor Authentication Evidence : Proof that additional security measures, like two-factor authentication, were applied and successfully completed.\n\n5. Your Banking Agreement Terms of Service : A copy of the agreement you signed when opening the account, showing the terms of authorization and dispute resolution.\n\nDispute Response Timeline : Evidence that they responded to your claim within the legally required timeframe.\n\nIf the bank can not provide sufficient evidence that the transaction was authorized by you or a party you granted authority to, they are generally required to reimburse the amount of the disputed transaction under consumer protection laws like the Electronic Fund Transfer Act ( EFTA ) in the U.S. or similar regulations in other countries.","date_sent_to_company":"2025-01-19T14:20:56.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"93552","tags":null,"has_narrative":true,"complaint_id":"11626508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-19T14:06:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["**Negligent <em>Investigation</em> : ** - CashApp failed to <em>conduct</em> a thorough <em>investigation</em> into these unauthorized transactions. They denied my disputes within 24-48 hours, without ever reaching out to the merchant or <em>conducting</em> a full <em>review</em> of the circumstances. - I requested <em>documentation</em> from CashApp to understand the basis for their decision, but the only document provided was a basic receipt/invoice."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[11.131167,"11626508"]},{"_index":"complaint-public-v1","_id":"17340775","_score":8.313461,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To whom it may concern : I am requesting that CIT Bank and XXXX XXXX  treat the {$20000.00} I paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as what it is : money obtained through fraud, misrepresentation, and the unauthorized practice of law by a suspended attorney, not a legitimate legal-services transaction. \n\nXXXX. A suspended attorney can not legally practice law or collect retainers in any state Under nationwide attorney-licensing and disciplinary rules, including the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a lawyer who has been suspended is prohibited from practicing law, giving legal advice, or assisting others in practicing law in any jurisdiction. XXXXXXXX XXXX XXXX XXXX expressly prohibits a lawyer from practicing law where doing so violates that jurisdictions regulation of the legal profession, or from assisting another in doing so. \n\nXXXX XXXX XXXX XXXX defines professional misconduct to include violating the rules of professional conduct, and engaging in conduct involving dishonesty, fraud, deceit, or misrepresentation. States, including California and others, have adopted parallel rules that bar unauthorized practice of law and assisting it, and that treat such conduct as disciplinable misconduct.\n\nOnce suspended, an attorney is legally considered not authorized to practice anywhere, not just in the suspending state. Any retainer taken under those conditions is inherently suspect and may be considered void, unenforceable, and obtained by fraud and false pretenses. \n\nXXXX. A suspended attorney can not run or profit from a law firm Under state and national ethics rules, a suspended attorney must cease all legal operations. They can not act as principal, founder, or managing attorney of a firm, can not direct staff in the practice of law, can not solicit clients or negotiate fee agreements, and can not collect legal fees or retainers through a law group or subsidiary entity. These principles flow from the same unauthorized-practice and misconduct rules, which prohibit lawyers from circumventing discipline through the acts of another or by assisting others to violate professional rules.\n\nPublic disciplinary records show that attorney XXXX XXXX XXXX has been suspended from the practice of law in XXXX  for five years by order of the Supreme Court XXXX Pennsylvania, effective XX/XX/XXXX, following a Disciplinary Board recommendation. The XXXX  Disciplinary Boards public attorney profile lists his current status as Suspended. In XXXX, the XXXX  State Bar Disciplinary Board revoked his privilege to practice law in that state effective XX/XX/XXXX, for violations of professional rules governing diligence, communication, fees, safekeeping property, terminating representation, supervisory responsibilities, and misconduct. \n\nDespite these disciplinary actions, his law-brand entities ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) have continued to advertise nationwide legal services and student/education defense representation through websites and marketing materials that present him as an active, lead attorney. That continuing operation, combined with his suspension, raises serious concerns of ongoing unauthorized practice of law and illegal fee collection. \n\nXXXX. What I paid and how it was represented There were two key transactions, processed by two banks : XXXX. XXXX XXXX  {$350.00} consultation fee I was charged {$350.00} for a one-hour consultation specifically with attorney XXXX XXXX XXXX XXXX That consultation never occurred as represented. Instead, I received approximately XXXX minutes with someone who was not clearly identified as a licensed attorney, and certainly not the attorney I paid for. I never received the one-hour consultation I was promised. \nXXXX. CIT Bank approximately {$20000.00} retainer on or about XX/XX/XXXX CIT Bank processed a phone transfer of approximately {$20000.00} to an external account identified on my statement as a transfer to XXXX XXXX around XX/XX/XXXX. This was presented to me as a fee retainer for assistance with a contingency case : I was told that the underlying lawsuit would be handled on a contingency basis, but that I had to pay a large upfront retainer so the firm could take the case and prepare filings. This structure is highly irregularpaying a massive retainer for a supposed contingency caseespecially where there is no valid, signed written fee agreement, no clear trust-account disclosures, and a suspended attorney involved. \n\nIn other words, both the {$350.00} and {$20000.00} were induced by misrepresentations about who would provide legal services, the attorneys licensing and disciplinary status, the nature of the case ( contingency vs. fee-based ), and the existence of any lawful fee agreement or trust arrangement. \n\nI later learned that no valid written retainer agreement governing the {$20000.00} existed, I received no meaningful legal work in return, and the attorney whose name was used to solicit these funds was not authorized to practice law at all due to suspension and disciplinary action described above. \n\nXXXX. Evidence that this is not a normal fee dispute, but fraud I now have written confirmation from the Disciplinary Board of the Supreme Court of XXXX  that my complaint against XXXX XXXX XXXX has been filed and logged. The Disciplinary Boards public pages and the Supreme Courts disciplinary order confirm his five-year suspension and prior discipline. The XXXX  XXXX XXXX also publicly reports revocation of his privilege to practice in that state for serious professional violations. \n\nAdditional evidence includes : Public disciplinary orders from Pennsylvania and other jurisdictions showing suspension and prior discipline. \nAttorney-status records showing that his XXXX  license is currently suspended. \nMarketing and website content from his law entities holding out nationwide XXXX XXXX and student/education defense services despite his suspension. \n\nIn short, this is not a situation where I simply changed my mind about a lawyer. It is a case where : A suspended attorney continued to act as a lawyer, His operation collected money under false pretenses, I was never given the consultation or representation I was sold, and There is no valid fee agreement or bill justifying the {$20000.00}. \n\nXXXX. Why this is fraud from a banking and consumer-protection standpoint From a banking and consumer-protection perspective, this situation involves misrepresentation and omission of material facts ( including the attorneys suspended status ), services paid for but not rendered, unauthorized practice of law, and collection of fees under false pretenses. These are precisely the kinds of unfair or deceptive acts that consumer financial regulators and courts view as fraud. \n\nA suspended attorney can not lawfully accept retainers or operate a law firm. Therefore, any authorization I gave to Discover or XXXX was fraud-induced authorizationI only approved those transactions because I relied on false claims about the attorneys status, authority, and services. When authorization is obtained by deception, regulators and courts often treat resulting transfers in a similar manner to unauthorized or improper transactions, particularly in the context of electronic fund transfers and card payments. \n\nXXXX. The banks obligations, even when a customer authorized the transfer Even when a customer technically initiates or authorizes an electronic transfer, banks still have obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate alleged errors and unauthorized electronic fund transfers, and to respond within specific time frames. Regulation Es error-resolution rule ( 12 C.F.R. 1005.11 ) requires financial institutions to investigate reported errors and, in many circumstances, to provide provisional credit if the investigation can not be completed within the defined period. CFPB guidance and compliance materials emphasize that errors include certain unauthorized or incorrect electronic transfers and that institutions must have fair, documented procedures for handling consumer fraud and dispute claims.\n\nAdditionally, national bank regulators such as the Office of the Comptroller of the Currency ( OCC ) and the Consumer Financial Protection Bureau ( CFPB ) provide complaint and enforcement channels for consumers when banks mishandle fraud investigations or disputes. The OCCs HelpWithMyBank.gov and its consumer-complaints pages explain that the OCC can review national banks handling of consumer issues, including fraud and unauthorized transactions. The CFPBs complaint portal and guidance similarly highlight banks obligations to respond to and address consumer complaints and fraud issues related to financial products and services.\n\nBy simply coding my dispute as a routine authorized merchant transaction and refusing to meaningfully consider the fraud-induced nature of the authorization, the illegal status of the recipients law practice, and the absence of any valid contract or services, XXXX XXXX  and CIT Bank have XXXX in my view, failed to meet the spirit of these consumer-protection obligations. \n\nXXXX. Independent verification and role of online research The factual information regarding XXXX XXXX XXXX disciplinary history, suspensions, and revoked privileges in multiple states comes from : The XXXX  Disciplinary Board and Supreme Court orders suspending him for five years, and earlier disciplinary actions. \nThe XXXX State Bar Disciplinary Boards revocation of his privilege to practice law in Virginia for misconduct related to fees, safekeeping property, supervision, and other professional-rule violations. \nPublic summaries and reporting ( XXXX XXXX XXXX, case summaries, secondary commentary ) that corroborate the five-year suspension and its underlying findings. \n\nInitial verification was done through online research using publicly available disciplinary and bar records, and I then confirmed this by directly filing with the XXXX  Disciplinary Board, which issued a confirmation number for my complaint. This documentation supports my position that the {$20000.00} was obtained by an individual who was not authorized to practice law or collect legal fees at the time. \n\nXXXX. What I am asking CIT Bank and XXXX XXXX  to do Given all of the above, I respectfully request that CIT Bank and XXXX XXXX  : XXXX. Treat the {$20000.00} retainer transfer and the {$350.00} consultation charge as fraud-induced transactions tied to an illegal, suspended-attorney operation. \nXXXX. Conduct a full, formal fraud investigation into these transfers, rather than coding them as simple merchant disputes, taking into account the attorneys suspended status and the unauthorized practice of law. \nXXXX. Reverse and refund the total {$20000.00} to my accounts, to the greatest extent permitted under law and network rules, applying the protections of EFTA/Regulation E and other applicable consumer-protection laws. \nXXXX. Block any future payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any related entities connected to this suspended attorney. \nXXXX. Flag the receiving accounts for suspected fraud and cooperate fully with : State bar authorities ( Pennsylvania, Virginia, New Jersey, California, and any other relevant jurisdictions ) ; The Consumer Financial Protection Bureau ( CFPB ) ; The Office of the Comptroller of the Currency ( OCC ) in the case of CIT ; The Federal Bureau of Investigation ( FBI/IC3 ) and local law enforcement, to the extent they investigate fraudulent legal-services schemes. \n\nIf, after being provided with this information and supporting documentation, a bank still refuses to investigate or assist, I understand that I have the right to seek further relief from the OCC, the CFPB, state bar authorities, and law-enforcement agencies. My goal is not only to recover my own funds, but also to prevent other consumersespecially vulnerable clients seeking XXXX or civil-rights representationfrom being defrauded in the same way by an attorney who was not legally authorized to practice law or collect fees when these payments were taken.","date_sent_to_company":"2025-11-18T17:28:17.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"17340775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST CITIZENS BANCSHARES, INC.","date_received":"2025-11-18T07:33:26.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Conduct</em> a full, formal fraud <em>investigation</em> into these transfers, rather than coding them as simple merchant disputes, taking into <em>account</em> the attorneys suspended status and the unauthorized practice of law. \nXXXX. Reverse and <em>refund</em> the total {$20000.00} to my <em>accounts</em>, to the greatest extent permitted under law and network rules, applying the protections of EFTA/Regulation E and other applicable consumer-protection laws. \nXXXX."]},"sort":[8.313461,"17340775"]},{"_index":"complaint-public-v1","_id":"6937629","_score":7.3641214,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX  TD Bank, Customer Experience Advocate Operations Center XXXX XXXX XXXXXXXX XXXX, ME XXXX Re : Summary of Events and Request for Information re : Complaint # XXXX Dear XXXX XXXX XXXX : This is the fourth complaint Ive submitted to the CFPB in an attempt to seek answerers to TDs system for addressing international wire fraud reported by their customers. On XX/XX/XXXX, I reported fraud shortly after the occurrence and was confident TD Bank with its Domestic and International Wire Fraud Division and Global and Security Investigations Division would stop the fraud and return the {$41000.00} stolen from my TD Bank account. Although I acted reasonably under the circumstances in reporting the fraud, I have been misled with confusing bank procedures, conflicting correspondence, and at times, lies. \n\nThe responses, from XXXX XXXX XXXX to my last two complaints, ignored the facts. I am sending this letter to you because XXXX XXXX responded each time by copying your letter with a couple of additions. \n\nBelow is a summary of events followed by XXXX XXXX response to my last complaint. He did not answer many of my questions. I trust someone at TD Bank can answer the questions. \nSummary XX/XX/XXXX : I signed a Wire Authorization Form, International Outgoing Wire and received a Pre-Payment Disclosure at XXXXXXXX XXXX  at the TD Bank Branch, XXXX, MD. The funds were to be held by TD Bank for 3-5 days to provide time to ensure there are no problems with the transfer. \n\nI reported the scam to the Branch Manager within two hours of signing the Wire Authorization Form. She filed reports with TD Banks Fraud Division and later with TD Banks Domestic and International Wire Fraud Division, per my request. Both were filed by XXXX XXXX  on XX/XX/XXXX. \n\nXX/XX/XXXX : I provided information in response to questions from the Investigator, TD Banks Domestic and International Wire Transfer Division. \n\nI worked with TD Banks Fraud Division to cancel my TD accounts and open new accounts. They were very helpful throughout the process. \n\nIt wasnt until XX/XX/XXXX, that the Senior Investigator, Global and Security Investigation Division, called from his NY office to follow up on the Fraud Report. He was not aware of the investigation by the Domestic and International Wire Fraud Division. After a brief talk he concluded everything was done correctly. He did not respond to my calls or emails after I sent information he agreed to discuss with me. \n\nXX/XX/XXXX : I called the Branch Bank, as suggested by the Branch Manager, to check the status of the investigation and was told the investigators have the information they need, and the case is still open. \n\nI received a Receipt from TD Bank, XXXX XXXXXXXX XXXX, dated XX/XX/XXXX, at XXXX XXXX  stating the funds were sent to the recipient ( XXXX XXXX  ) at XXXX XXXX XXXX  ( pick-up location ) and would be available XX/XX/XXXX. \n\nNote : The funds were sent to the Beneficiary on XX/XX/XXXX, at XXXX XXXX  only eight minutes after I signed the Wire Authorization Form at XXXX XXXX, not enough time for the Branch Manager to review and approve the transaction as she told me, given she was helping another customer, as I exited the bank. See Question # 7 0n pg. 5 for additional information. \n\nI also received a letter from TD Bank ( no date or Bank location ) stating This letter serves as notification of the Outgoing Wire Transferon XX/XX/XXXX listing XXXX XXXX ( Beneficiary ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXXBank to Bank Information : XXXX Other Payment Error Correction*was stated at the bottom of the letter. \n\nNote : I called the TD number XXXX in the letter to ask the status of the investigation and was told my funds were with the Federal Reserve XXXX the agency that works with TD Bank and the XXXX XXXX to resolve the problem. That was a lie. I called the Federal Reserve and was informed they dont get involved in such cases. \n\nOn XX/XX/XXXX : The Branch Manager called to inform me she received notice that my funds had been withdrawn by the beneficiary and are no longer available. \n\nNote : Funds were to be available to the Beneficiary on XX/XX/XXXX, according to the Receipt described above, dated XX/XX/XXXX. Following is the excerpt from XXXX  Wire Transfer Investigations the Branch Manager referred to when she told me my funds were no longer available : PLEASE BE ADVISED WE HAVE RECD THE BELOW MSG FROM BENE BANK QUOTE IN YR CASE, WE TRIED TO CONTACT OUR CUSTOMER SEVERAL TIME BUT WE COULD NOT REACH HER FROM CONTACT DETAILS GIVEN TO OUR BANK. AND NOW THE FUNDS HAS BEEN WITHDRAWN FROM THE A/C. NO BALANCE REMAINING. WE REGRET BEING UNABLE TO ASSIST FURTHER. FOR FURTHER RECALL FUNDS PLS ADVISE REMITTER TO CONTACT BENEFICIARY FOR DIRECT SETTLEMENT. WE CLOSED OUR FILE. END QUOTE. PLEASE QUOTE OUR REF XXXX IN ALL CORRESPONDENCE RELATED TO THIS INVESTIGATION. \n\nNote : TD bank representatives repeatedly claimed, Our wire team has done everything possible to try to recover the funds. They describe everything possible as the Investigator sending an email out to the store to submit a fraud intake form and a recall for the Wire via their Correspondent Bank. The recall for the wire was sent to a beneficiary bank that does not honor recall notices but rather advises the remitter to contact the beneficiary ( an accomplice to the scam ) for direct settlement. \n\nOn XX/XX/XXXX : In an attempt to resolve this case at the local level I requested the name and contact information for the TD Bank Regional Manager responsible for overseeing the Branch Banks in Maryland. The Branch staff gave me his name and told me I would have to give my letter to them to forward to him. I found his address and sent the letter certified mail. The challenges I faced after mailing the letter are described in the first complaint submitted to the CFPB. \n\nQuestions from complaint # XXXX and XXXX XXXX responses 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\nXXXX XXXX : I did not instruct TD Bank to send the funds to the Beneficiary immediately. I was told the funds would be held for three to five days before sending to the Beneficiary. \n\nWhy werent the funds held for three to five days before sending to the Beneficiary, as I was told by the bank attendant? \n\nDid the funds go to XXXX XXXX XXXX on XX/XX/XXXX? If so, did XXXX XXXX Bank receive the recall request? Why didnt they stop the transfer? \n\n2. 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\nXXXX XXXX : I know XXXX XXXXXXXX XXXX is TD Banks correspondent bank. XXXX XXXX is also identified as the Receiver Bank in TD documents. \n\nWhat role does XXXX XXXXXXXX XXXX  have in TD Banks International Wire Transfers? \nDid XXXX XXXXXXXX XXXX send the funds to the beneficiary bank? If so, did they decide when the funds were sent? \n\n3. What role, if any, does the Federal Reserve have in TD Banks International Wire Transfers? The wire process via the XXXX XXXX system or via XXXX XXXX system. The Federal reserve has nothing to do with a wire. \n\nXXXX : As previously noted, I called XXXX on XX/XX/XXXX, with questions about a letter I received stating the funds had been sent to XXXX XXXXXXXX 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 XXXXXXXX XXXX to resolve the problem. I called the Federal Reserve and was informed they dont get involved in such cases. Based on this and previous contacts with TD employees I suspect there was a cover-up. \n\nHas TD Bank investigated the false information I was given throughout what I was led to believe was an investigation of the case? \n\n4. 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\nXXXX, XXXX : I know TD Bank is the bank who initiated the wire and XXXX XXXX XXXX  is the correspondent bank. \n\nNote : XXXX sent the Narrative received by TD Bank on XX/XX/XXXX, and are identified as XXXX wire transfer investigations. XXXX  acknowledged receipt of your cancellation request dated XX/XX/XXXX concerning your payment for USD XXXX dated XX/XX/XXXX. The funds were paid XX/XX/XXXX confirming the false information I received by TD employees throughout what I was led to believe was an investigation of the case and contradictory to written communication I received from TD Bank stating funds would be available XX/XX/XXXX. \n\nWho is XXXX and what was their role in the investigation? \nWho is Your, referred to as the payer and the sender of the cancellation request? \n\nBoth XXXX XXXX and the Beneficiary Bank are referred to as the receiver bank. \n\nWho is the receiver bank? \n\n5. 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 XXXX message on XX/XX/XXXX, 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 XXXX Wire Transfer Investigations the funds were received by the XXXX XXXX XXXX  the same day I initiated the request for the wire transfer. \n\nIf the funds were sent from TD Bank to XXXX XXXXXXXX XXXX, as I was told, did XXXX XXXX XXXX send the funds? If not, who did? \n\n6. 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/XXXX. \n\nXXXX XXXX : Once again, you did not answer the question. Sr. Investigator XXXX XXXX contacted me on XX/XX/XXXX. He was not aware of the investigation Ive referred to throughout this document. What is the procedure for processing reimbursement of funds by TD Bank? \n\nI was tricked by the scammers into making the payment. I had a reasonable basis to believe the payment I made was for a legitimate reason and the business was legitimate. I reported the scam on XX/XX/XXXX, within two hours of initiating the transfer and was confident TD Bank had a system in place to prevent fraud. I received information over the next six days confirming my belief in TD Banks ability to prevent fraud until on XX/XX/XXXX, the Branch Manager called to tell me the funds had been withdrawn. If TD had adopted new rules of conduct in XXXX as had other banks they would have invested in a system to prevent fraud and help those of us who have fallen victim to fraud. \n\nXXXX XXXX added and answered the following two questions to my list, thus implying I asked the questions. \n\n7. When was the approved processed? The wire was approved the same day as the wire being initiated. At the time the wire was processed you were provided copies of the wire documentation. On Page 3 of the wire documentation that the customer received states : You have the right to cancel a remittance transfer within 30 minutes of payment of the transfer and obtain a refund of all funds paid. \n\nXXXX XXXX : How could I have cancelled a remittance transfer within 30 minutes of payment of the transfer and obtain a refund of all funds paid if funds were sent immediately ( within 8 minutes ) to the Beneficiary? \n\n8. Were there enough funds in the account at the time of the wire being submitted to process the wire? At the time of the wire there were adequate funds in the account to cover the dollar amount of the wire. No funds were transferred by a TD Bank employee into the account. At the time of the wire the balance in the checking account ending in XXXX was {$47000.00}. \n\nXXXX XXXX : Funds for the transfer were to be deposited to my checking account by XXXX XXXX, as I told the bank attendant. The morning of XX/XX/XXXX, the scammers required that I report if the funds had been deposited to my checking account. I monitored the account throughout the morning. When I returned home from the bank I saw {$42000.00} had been transferred from my savings account to my checking account. The Branch Manager told me it is the banks procedure to pull funds from one account to cover shortfalls in another account. \n\nIf a TD employee did not pull funds from my savings account and deposit into my checking account, how did the transaction occur online? By whom? \n\nOver the past six months I have provided details of my experiences and asked questions of TD Bank to help me understand the confusing and conflicting information I received from them in processing and following up on a wire transfer request I submitted on XX/XX/XXXX, at the XXXX, Maryland Branch of TD Bank. \n\nYour answers to the questions in my first complaint were gathered from sources either unfamiliar with my case or, as I suspected, were covering up the truth. Most of the responses were incomplete or incorrect. I responded with the facts and highlighted what I saw as questionable business practices. \n\nMy responses to XXXX XXXX letters is similar to my response to the first letter given he copied your letter with a few additions and edits. He repeated the same incomplete or incorrect answers and ignored the facts. I am sending this letter to you and trust someone at TD Bank will answer my questions. Thank you, in advance, for your assistance. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-05-06T23:38:29.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"21701","tags":"Older American","has_narrative":true,"complaint_id":"6937629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-05-06T23:07:26.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On Page 3 of the wire <em>documentation</em> that the customer received states : You have the right to cancel a remittance transfer within 30 minutes of payment of the transfer and obtain a <em>refund</em> of all funds paid. \n\nXXXX XXXX : How could I have cancelled a remittance transfer within 30 minutes of payment of the transfer and obtain a <em>refund</em> of all funds paid if funds were sent immediately ( within 8 minutes ) to the Beneficiary? \n\n8."]},"sort":[7.3641214,"6937629"]},{"_index":"complaint-public-v1","_id":"8140712","_score":6.2404714,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Lexis Nexis continues to report an alleged bankruptcy onto my consumer report. This is a violation of my consumer rights as this bankruptcy has not been properly verified as belonging to me. I have repeatedly asked that they provide me with documentation or the person they have spoken to that verified this alleged bankruptcy. \n( a ) Identity and purposes of credit users 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. \n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\n( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. \n\n( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. \n( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.\n\n( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). \n( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). \n( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.\n\n( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( XXXX ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.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, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. \n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding XXXX, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( XXXX ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding XXXX, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.\n\n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result of the refusal or failure, but in no case shall a person entitled to recovery receive less than the sum of {$1000.00} ; and ( B ) the costs of the action together with reasonable attorney fees as determined by the court.\n\n( 5 ) An action to enforce any liability created under this section may be brought in the district court of the United States in the district in which the complainant resides, or has his principal place of business, or in which the agency records are situated, or in the District of Columbia, without regard to the amount in controversy, within two years from the date on which the cause of action arises, except that where an agency has materially and willfully misrepresented any information required under this section to be disclosed to an individual and the information so misrepresented is material to establishment of the liability of the agency to the individual under this section, the action may be brought at any time within two years after discovery by the individual of the misrepresentation. Nothing in this section shall be construed to authorize any civil action by reason of any injury sustained as the result of a disclosure of a record prior to XX/XX/XXXX. \n( h ) Rights of Legal Guardians.\n\nFor the purposes of this section, the parent of any minor, or the legal guardian of any individual who has been declared to be incompetent due to physical or mental incapacity or age by a court of competent jurisdiction, may act on behalf of the individual.\n\n( i ) ( 1 ) Criminal Penalties.\n\nAny officer or employee of an agency, who by virtue of his employment or official position, has possession of, or access to, agency records which contain individually identifiable information the disclosure of which is prohibited by this section or by rules or regulations established thereunder, and who knowing that disclosure of the specific material is so prohibited, willfully discloses the material in any manner to any person or agency not entitled to receive it, shall be guilty of a misdemeanor and fined not more than {$5000.00}.\n\n( 2 ) Any officer or employee of any agency who willfully maintains a system of records without meeting the notice requirements of subsection ( e ) ( 4 ) of this section shall be guilty of a misdemeanor and fined not more than {$5000.00}.\n\n( 3 ) Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}.\n\n( j ) General Exemptions.The head of any agency may promulgate rules, in accordance with the requirements ( including general notice ) of sections 553 ( b ) ( 1 ), ( 2 ), and ( 3 ), ( c ), and ( e ) of this title, to exempt any system of records within the agency from any part of this section except subsections ( b ), ( c ) ( 1 ) and ( 2 ), ( e ) ( 4 ) ( A ) through ( F ), ( e ) ( 6 ), ( 7 ), ( 9 ), ( 10 ), and ( 11 ), and ( i ) if the system of records is ( 1 ) maintained by the Central Intelligence Agency ; or ( 2 ) maintained by an agency or component thereof which performs as its principal function any activity pertaining to the enforcement of criminal laws, including police efforts to prevent, control, or reduce crime or to apprehend criminals, and the activities of prosecutors, courts, correctional, probation, pardon, or parole authorities, and which consists of ( A ) information compiled for the purpose of identifying individual criminal offenders and alleged offenders and consisting only of identifying data and notations of arrests, the nature and disposition of criminal charges, sentencing, confinement, release, and parole and probation status ; ( B ) information compiled for the purpose of a criminal investigation, including reports of informants and investigators, and associated with an identifiable individual ; or ( C ) reports identifiable to an individual compiled at any stage of the process of enforcement of the criminal laws from arrest or indictment through release from supervision.\n\nAt the time rules are adopted under this subsection, the agency shall include in the statement required under section 553 ( c ) of this title, the reasons why the system of records is to be exempted from a provision of this section.\n\n( k ) Specific Exemptions.The head of any agency may promulgate rules, in accordance with the requirements ( including general notice ) of sections 553 ( b ) ( 1 ), ( 2 ), and ( 3 ), ( c ), and ( e ) of this title, to exempt any system of records within the agency from subsections ( c ) ( 3 ), ( d ), ( e ) ( 1 ), ( e ) ( 4 ) ( G ), ( H ), and ( I ) and ( f ) of this section if the system of records is ( 1 ) subject to the provisions of section 552 ( b ) ( 1 ) of this title ; ( 2 ) investigatory material compiled for law enforcement purposes, other than material within the scope of subsection ( j ) ( 2 ) of this section : Provided, however, That if any individual is denied any right, privilege, or benefit that he would otherwise be entitled by Federal law, or for which he would otherwise be eligible, as a result of the maintenance of such material, such material shall be provided to such individual, except to the extent that the disclosure of such material would reveal the identity of a source who furnished information to the Government under an express promise that the identity of the source would be held in confidence, or, prior to the effective date of this section, under an implied promise that the identity of the s","date_sent_to_company":"2024-01-11T00:42:46.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"8140712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-01-11T00:34:42.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an <em>accounting</em> of the disclosure was made"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing issue"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[6.2404714,"8140712"]},{"_index":"complaint-public-v1","_id":"7620688","_score":5.999731,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"LexisNexis continues to report inaccurate information on my consumer report. LexisNexis stated that they verified my bankruptcy through records with an address that is NOT mine. I called the bankruptcy court and they stated they DO NOT give out any court records unless it is to the attorney or parties to the case as it is a violation of privacy. LexisNexis is not an attorney or a party in this bankruptcy case and do not have my consent to report this alleged bankruptcy.Who did LexisNexis speak with to validate this alleged bankruptcy turn over the records so I may inspect them.\n\n15 U.S. Code 1681r - Unauthorized disclosures by officers or employees Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under title 18, imprisoned for not more than 2 years, or both. \n( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.\n\n( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. \n( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.\n\n( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.\n\n( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. \n( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.\n\n( b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.\n\n( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. \n\n( 2 ) Effective date Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after September 30, 1996.\n\n( d ) Information required to be disclosed ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.\n\n( 2 ) Key factor in credit score information Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 1681g ( f ) ( 2 ) ( B ) of this title ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score. This paragraph shall not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, but only to the extent that such company is engaged in such activities. \n\n( XXXX ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account. \n\n( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.\n\n( g ) Truncation of credit card and debit card numbers ( 1 ) In general Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.\n\n( 2 ) Limitation This subsection shall apply only to receipts that are electronically printed, and shall not apply to transactions in which the sole means of recording a credit card or debit card account number is by handwriting or by an imprint or copy of the card. \n\n( 3 ) Effective date This subsection shall become effective ( A ) 3 years after December 4, 2003, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is in use before January 1, 2005 ; and ( B ) 1 year after December 4, 2003, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is first put into use on or after January 1, 2005.\n\n( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy.\n\n( 2 ) Regulations ( A ) Regulations required The Bureau shall,, [ 2 ] in consultation with the Federal banking agencies, the National Credit Union Administration, and the Federal Trade Commission,, [ 2 ] prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).\n\n( B ) Policies and procedures to be included The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established. \n5 U.S. Code 552a - Records maintained on individuals U.S. Code Notes prev | next ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).\n\n( b ) Conditions of Disclosure.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, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\n( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subse\nctions ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.\n\n( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.\n\n( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.\n\n( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.\n\nThe Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.\n\n( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.\n\n( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo. \n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action. \n( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.\n\n( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result of the refusal or failure, but in no case shall a person entitled to recovery receive less than the sum of {$1000.00} ; and ( B ) the costs of the action together with reasonable attorney fees as determined by the court. \n( 5 ) An action to enforce any liability created under this secti","date_sent_to_company":"2023-10-03T01:56:31.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"7620688","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-10-03T01:48:17.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( XXXX ) Indication of closure of <em>account</em> by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit <em>account</em> of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the <em>account</em>."]},"sort":[5.999731,"7620688"]},{"_index":"complaint-public-v1","_id":"6736230","_score":5.9659767,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Office of the Consumer Financial Protection Bureau (CFPB) 1700 G Street NW.,\nWashington, DC\nDC 20552\nThis is to complain against the Bank of America\nURGENCY: HIGH IMPORTANCE: HIGH\n[WITHOUT PREJUDICE]\nXXXX XXXX XXXX XXXXXXXX XXXX XXXX.\n I would like to draw your attention to XXXX XXXX XXXX - I had sent my complaint letter to Bank of America, in which I clearly stated how this scam has affected me personally, psychologically and financially.\nI am afraid I have had to go through so much \"bureaucracy\" thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least; and certainly, does not contribute tomyoverall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly (could not prevent/foreseen fraud and could not conduct a proper investigation) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank.\nI feel very distressed and cheated, all because no one took action immediately and\npractice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Bank of America never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter.\nGeneral Obligation:\nCommencing on or around XXXX XXXX XXXX I fell victim to two multi-layered scam operations run by hackers which involved me making deposits for a total amount of XXXX XXXX from my Bank of America account to fraudulent investment firms.\nWhen determining whats reasonable and fair, we should focus on the issue of liability; common queries include, but are not limited to, the following (i) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety; (ii) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached; (iii) whether Bank of America promoted the transaction(s) in question despite being aware of the\n \nnature of the transaction(s) in question (iv) whether Bank of America was in compliance with its own policies and procedures; (v) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties; (vi) whether Bank of Americas conduct was unfair; and (vii) whether Bank of America has within its power the ability to, and should, compensate me for the harm that has befallen me.\nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud.\nIn providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Bank of America must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.\nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element.\nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Bank of America did not foresee the fraud and disregarded even the most obvious dangers in this respect.\nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.\nApropos of the fluidity of the concept of reasonableness, all Bank of America has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience.\nBank of America is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n particularly vulnerable, or\n\n if the possibility of fraud was serious or real, not just suspected.\nThere are some recommendations to organisations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognise customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimise financial harm.\nThese recommendations are established as a general principle, the organisation should deliver a service that:\n1) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organisations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorised and unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organisation:\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\nB) organisations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action.\nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by Bank of America in relation to this matter. I have also thoroughly detailed why they cannot simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-\n  \ninterest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status-quo that is corrupting our society at its core.\nConclusion:\nBased on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly\n \nadopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices.\nBank of Americas non-observance of the fundamental principles of justice  that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself.\nIn summary, I respectively ask your organisation to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint.\nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. Thank you.\nXXXX XXXX\nTHE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK\n \nPage 1 of 7\nXXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX  Re: Demand Letter\nAttn: Claims/Fraud Dept.\nDear Sir/Madam,\nFor negotiation purposes only, without effect as to any and all rights\n  The goal of this letter is twofold: first, it aims to establish that a duty of care was breached, inasmuch as you have failed to perform adequate due diligence or/and not acted in a reasonable and prudent manner to prevent foreseeable substantial damages I suffered as a result of a fraud [ 1]. Second, it shall serve as formal written demand for reimbursement based on the aforementioned grounds, among others.\nA very comprehensive analysis of fraud prevention suggests that by processing atypical, non-routine transactions, and/or by being aware of other fraudulent schemes similar to the one alleged herein and/or ignorance of obvious warning signs of fraud, you engaged in/ is a pattern or a practice of a wrongful and negligent conduct which provided substantial assistance to advance the commission of a fraud that resulted in my financial and psychological damages. The facts and details concerning the actions in question are set forth hereunder.\nOVERVIEW\n Commencing on or about XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated Hackers (the Scammer), all of which aim at contributing to the goal of robbing and defrauding innocent people.\n Money was transferred from my account via debit card, and through an intermediary named XXXX  in the\ntotal amount of XXXX XXXX utilizing your services.\n This letter shall thrust into the spotlight, inter alia, the increasingly important role financial institutions play in\nthe fight against financial crime and fraud, and the pressing need for higher levels of supervision and vigilance\nwithin your organization.\n Additionally, it is vital that you will immediately take all actions within your power to remedy the situation,\nwhether by raising chargeback in respect of the transactions in question or reimburse me and credit my account, for the full amount of these payments, in the total amount of XXXX XXXX\n1 FCA: A more effective approach to combatting financial crime XXXX XXXX XXXX 1\n   \nPage 2 of 7 XXXX XXXX XXXX   Heres an indisputable fact: had you looked at the wider circumstances surrounding the above-referenced transactions, this illicit transfer of wealth could have been prevented.\n Executing transactions without proper authority is not only a severe regulatory offense but also an irresponsible and reckless disregard of the customers financial safety.\n Against this background, and without derogating any of my rights, I hereby hold you liable for financial and emotional harm as well as medical problems relating to this victimization and demand that you reimburse my account in full within 10 days from the date of this letter.\nINTRODUCTION\nFinancial crimes and fraud investigations often involve a high degree of sophistication, complexity, and sensitiveness to detail. Accordingly, this letter aims to address the issue at hand as profoundly and fairly as possible, by taking into consideration contextual regulations, laws, and bylaws, as well as guidance, standards and rules promoted by supervisory authorities, relevant codes of practice and (where suitable) what was good industry practice (GIP) at all times relevant hereto. The allegations contained herein are predicated either upon knowledge with respect to myself and my own experience, or upon facts obtained through investigations conducted by qualified third parties. I strongly believe that substantive evidence in support of the allegations set forth herein will be found after an appropriate opportunity for discovery. Key facts supporting the allegations contained herein are known only to the Scammer or/and are exclusively within their control.\nI did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon myself by the Scammer. Fraud is commonly conceptualized as withholding from the weaker party in a financial transaction information which is necessary to make an informed, rational or autonomous decision.\nIn this regard, even access to adequate information is insufficient to achieve complete autonomy. A complication here is that the weaker party might have trouble analyzing the data at hand sufficiently well to identify fraudulent schemes. A reasonable solution is that financial institutions would be required to promote transparent communication in which they track the understanding of its customers.\nThe false representations and omissions made by the Scammer have a tendency or capacity to deceive victims, such as myself, into unwittingly providing funds that fueled the Scammers fraudulent scheme and therefore are, by their very nature immoral, unethical, oppressive, unscrupulous, and substantially injurious to consumersall at once.\nAs a result of the Scammers deceptive practices, I was deceived into transferring my funds to them. The false statements of material facts and omissions as described above; and the sham transactions the Scammer perpetrated upon myself; were unfair, unconscionable, and deceptive practices perpetrated on me which would have likely tricked a reasonable person under the circumstances.\n  2\n\nPage 3 of XXXX XXXX XXXX XXXX\nSCAMMERS FRAUD SCHEME  ALLEGATIONS\n Please take notice that my funds were transferred through means of coercion and under false pretenses all along! Attached, please find supportive statements, screenshots, and further evidence.\nEXPOSING YOUR ORGANIZATIONS MISCONDUCT\nI hereby allege that your organization had breached the duty of care that is owed by a financial institution to its clients in circumstances where there are reasonable grounds to suspect that the sole purpose of a payment instruction is to defraud the client. Under such circumstances, you are obliged to refrain from executing the payment instruction until you have been able to satisfy yourself that there is a legitimate basis for the instruction. Once the duty is engaged, the duty takes priority over the usual obligation on a financial institution to execute customer instructions promptly. The duty in question is often referred to as the Quincecare duty, because it was established in the case of Barclays Bank plc v Quincecare Ltd. (the Quincecare duty)\nThe Quincecare duty is well-established and requires financial institutions to take reasonable care and skill when executing clients instructions. It is recognized as authoritative by leading academic texts [2]. The duty arises in cases where it can be argued that an ordinary prudent staff member of a financial institution would have a reasonable basis for suspicion that a particular payment instruction would result in the misappropriation of the clients funds.\nWhen the duty does arise, it can be discharged simply by refraining from executing the instruction unless and until such time as the financial institution has been able to establish that the instruction relates to a lawful obligation. The financial institution shall seek further information or/and documentation from the client in order to help establish this.\nBased on the above, and after conducting a comprehensive review of our communication/interactions, it became glaringly obvious to me that no adequate information or/and documentation were sought by your organization, at best, and at worst no appropriate safeguards were implemented at all.\nIf a bank executed a customers order to transfer money knowing it to be dishonestly given, shutting its eyes to the obvious fact of the dishonesty or acting recklessly in failing to make such inquiries as an honest and reasonable man would make, it would be in breach of its duty of care, even if the payment was made in accordance with the terms of the mandate and the bank shall be liable to its client for damages in negligence.\nCompliance departments should ensure that staff understand the legal requirements and that where there are suspicions, these suspicions must be communicated to all relevant personnel whilst they are investigated.\n2 (XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Ellinger's Modern Banking Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.)\n    3\n\nPage 4 of 7 XXXX XXXX XXXX\nFor the avoidance of doubt, reasonable grounds shall not necessarily be interpreted as proof. On the basis of various signs, you should have assumed that something fishy was going on and suspended transactions until you had made reasonable enquiries to satisfy yourself that the transactions was/were properly to be executed. In other words, I have been a victim of your negligence for facilitating the misappropriation of funds, and doing little to safeguard my financial interests. Any reasonable banker would have realized that there were many obvious, even glaring, signs that I was a fraud victim (Singularis Holdings Limited (in liquidation) v Daiwa Capital Markets Europe Limited [XXXX] UKSC 50) [ 3].\nA financial institution which wrongly pays money away when it has no authority to do so will usually be treated as if it had paid using its own funds, not those of its customer. The debits made to my account should be reversed out, and damages to compensate me for any reasonably foreseeable losses incurred as a result of your failure to state the balance of my account accurately and properly. It is also libelous/defamatory to make false statements about someone that adversely affect their credit rating.\nWhen discussing the responsibilities that a bank might incur, it is crucial not to forget the fact that a legitimate complaint by, or cause of action on the part of, a client might generate/give rise to further statutory cause of action or/and additional responsibilities or liabilities owed by a financial institution to the relevant regulatory authority. Obligations/duties owed by a bank to a regulator are distinct from those owed to the customer. On top of that, please remember you may owe liabilities to more than one regulator.\nMore often than not, such legal duties spring from the very facts that gave rise to the liabilities to your clients in the first place. Similarly to the foregoing, I may also have a cause of action against you for breach of mandate as you have negligently transferred my funds without proper authorization or enquiry.\nInstead, you should have been working hard with Artificial Intelligence [4] / Big data technologies to discover automated and effective ways not only to detect fraud but also to prevent it. Furthermore, the tremendous amount of data you possess is by no means self-evident let alone to be overlooked, hence by not utilizing it systematically and effectively to pinpoint irregular and suspicious activities you are misleading your customers, who have taken the leap of faith and placed trust and confidence in your honesty, authority, and competence.\nA plausible assumption here would be that the pattern of the above-mentioned transactions was sufficiently suspicious that it should have been flagged and blocked by your staff, even if you have never encountered similar situations.\nAccording to the FCA [5]: XXXXXXXX  could do more to identify fraudulent incoming payments and prevent accounts from being compromised by fraudsters. XXXX fraud is where a fraudster tricks a payer into making an XXXX  to an account controlled by that fraudster under false pretenses, similarly to the above-described victimization.\n3 Singularis Holdings Limited (in liquidation) v Daiwa Capital Markets Europe Limited [XXXX] UKSC 50\n4 Using AI in the fight against fraud XXXX XXXX XXXX\n5 FCA introduces new rules on handling complaints about Authorised Push Payment fraud (XXXX XXXX XXXX)\n    4\n\nPage 5 of 7 XXXX XXXX XXXX\nMoreover, I argue that you should also make a reasonable estimate on the basis of relevant historical data of my account.\n\"Given XXXX fraud is currently a XXXX million problem and growing, the potential exposure for banks is very large indeed. This is yet another reason why the banking industry must do all it can to use the data available to it to detect and stop fraud.\"\nPractically speaking, effective steps to prevent bad actors from taking advantage of future victims (or at least to minimize this possibility) are abundant:\n The use of automated and human review of irregular or suspicious transactions and traffic patterns to identify financial crimes in general and common fraudulent schemes in specific;\n Human review of complaints from the public and law enforcement in connection with rapidly-growing, recurring, and popular fraudulent practices as well as suspicious merchants, including creating special channels for such complaints;\n Cross-checking warnings, notices, cautionary announcements, and reports concerning beneficiaries, merchants, associations, or countries often suspected to be associated with cyber-fraud from governments, central banks, regulatory bodies, law enforcement agencies, and watchdogs.\n Artificial Intelligence & XXXX embrace and leverage Machine Learning technologies and Big Data Analytics to identify fraudulent, or potentially fraudulent merchants by scrutinizing publications and reports about such merchants in the digital sphere (e.g. on forums, social media, et cetera.)\n Establishing contact with the recipient institution of fraud victims: any holds in place on new related activities, or similar blockers that prevent rapid rebranding of related/similar merchants.\nIt would also be wise to consider implementing additional safeguards where the movement of large sums of monies are concerned. For instance, you could specify additional prerequisites for executing the transfer of large sums such as: (1) requiring multiple levels of approval; (2) requesting more information concerning the intended purpose of the transfers and cross-checking for similar patterns of transfer; and (3) checking on my capacity to make such transfers. While such measures entail additional compliance costs, it would be sensible for you to err on the side of caution.\n5\n\nPage 6 of 7 XXXX XXXX XXXX  CONCLUSION\n If a full refund is not administered within 10 days from the date of this letter, in addition to a refund amount, a request for reimbursement of attorneys fees, filing fees, and any further costs associated with obtaining the refund amount may be pursued.\nIn the event of non-compliance with the demand mentioned above, your organization, knowingly or unknowingly, manifestly jeopardize its business through its association with the Criminals: those who are not direct accomplices to the commission of a crime but rather are permissive of the criminal behavior after the crime has been committed can also be charged with a crime. Being permissive, even if not present when the crime was committed, by not reporting the crime to the authorities and not trying to do your part in remedying the situation, makes you an accessory to the crime. If you unknowingly assist criminal behavior and remain impartial after discovering such, you are seen as obstructing justice.\nThis letter does not realize the full extent of my claims, rights, and remedies against you or any of your affiliates, parents and subsidiary corporations, including, without limitation, your representative managing partners, officers, directors, shareholders, employees, agents, attorneys, assigns, successors, servants, insurers, and representatives, in any matter whatsoever, including the present context of this letter, as that will not detract from my rights and claims in any form or manner whatsoever, or constitute any concessions on my behalf against you and against others.\nFor more information, please reread.\nXXXX XXXX  6\n\nPage 7 of 7\nXXXX XXXX XXXX\nDEMAND FOR DISCLOSURE\nThe individuals who directed and enjoyed the fruits of these illegal and unlawful activities shall be exposed in full. This means that any and all contextual documents and/or information at your disposal shall be disclosed in a timely and equitable manner, in a reply to this letter.\nHence, I hereby demand that you disclose the following within 10 days from the date of this letter:\nReports, instructions, transmittal letters, statements, notices, and other documents, related to the relevant participants and beneficiaries, whether involved directly or indirectly, in accordance with the applicable regulations and guidelines. It also includes the correct and true names of the parties to the lawsuit, their ID NO., addresses, and telephone numbers, as well as information and documents of any potential party or of persons having knowledge of relevant facts, and a brief statement of each identified persons connection with the case, including information and documents concerning their beneficiary bank accounts, if available.\n 7\n\nTo: Bank of America\nXXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX  Subject: XXXX XXXX XXXX  complain to Bank of America\nFAO: Bank of Americas complaints dept.\nDear Sir / Madam,\nXXXX XXXX XXXX XXXX XXXX XXXX\n This is my subsequent letter pursuant to the original, unanswered disputed letter sent to Bank of America on the XXXX XXXX XXXX\nWith this letter, I hereby express my utmost dissatisfaction with your lack of reply to the above referenced letter and reiterate key points that were raised and left unanswered previously supporting my request for your cooperation.\nAs I mentioned I fell victim to a multilayered scam operation orchestrated by hackers (the Company) and innocently lost XXXX XXXX  of my hard-earned life-savings due to your misadministration.\nThis complex issue has caused substantial harm to me, and if not appropriately addressed, will cause substantial harm to others, we must therefore conduct an in-depth and comprehensive review of all of the contributing factors that have led to an outcome as horrendous as the one described herein.\nDue to personal circumstances, I was particularly vulnerable during the victimization period; I was also relatively financially illiterate and very inexperienced in the finance sector which made me a prime target for criminal enterprises in this field.\nFinancial institutions are well aware of the scope and nature of such crimes and the risks that these pose to their clients, who, in contrast, mostly have limited knowledge of these dangers.\nTo be clear, people who have been scammed such as myself, are not individuals who have made poor investment decisions. They are people who have been tricked, lied to, deceived and emotionally manipulated. Sophisticated, aggressive sales techniques end up trapping the uninformed and unsuspecting victim who once in the clutches of the scammer cannot get out until most or all of the funds have been lost (stolen) by the scammers. A good comparison is a XXXX who XXXX  his victim whilst at the same time XXXX XXXX  and prevents them from escaping.\nBased on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management\n\nsystem, demonstrating their undisputed ability to responsibly and preemptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavors undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices.\nWhat can Bank of America do?\nPlease be noted that I will not in any way quietly tolerate the consequences of your actions (or more precisely, the lack thereof). It is perfectly obvious that you could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within your purview and could have entirely prevented this disastrous outcome.\nAs previously advised, you should have known, suspected, or had reason to suspect that the transactions (or pattern of transactions):\n involve funds the ultimate purpose of which was to fuel an illegal enterprise;\n is intended to disguise funds the ultimate purpose of which was to fuel an illegal\nenterprise, in an attempt to avoid and thus violate regulations;\n is intentionally designed to defraud your customer;\n serves no legitimate or lawful purpose; and\n involve the use of your services to facilitate criminal activity.\nThere are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following:\n The timing, volume, frequency, and nature of the transactions in question;\n The abnormality of such transactions against the background of your experience with me\nas a customer and other entities associated with the transactions (if any);\n The suspicious nature of such transactions based on my overall risk profile including\nvulnerability and identification and research of high-risk services/products;\n Systemic filtering mechanisms, whether manual or automatic, for the identification of\nunusual activities; and\n Periodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud\nprograms, and other associated policies and procedures.\nRelevant industry practices at the time of the victimisation:\nYour Organization is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n particularly vulnerable, or\n if the possibility of fraud was serious or real, not just suspected.\nThere are some recommendations to organisations for protecting","date_sent_to_company":"2023-04-21T20:26:34.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"33908","tags":null,"has_narrative":true,"complaint_id":"6736230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-03-22T23:52:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The financial institution shall seek further information or/and <em>documentation</em> from the client in order to help establish this.\nBased on the above, and after <em>conducting</em> a comprehensive <em>review</em> of our communication/interactions, it became glaringly obvious to me that no adequate information or/and <em>documentation</em> were sought by your organization, at best, and at worst no appropriate safeguards were implemented at all."]},"sort":[5.9659767,"6736230"]},{"_index":"complaint-public-v1","_id":"10794902","_score":5.297541,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau (CFPB) 1500 Pennsylvania Ave. NW Washington, DC XXXX\n[WITHOUT PREJUDICE]\nURGENCY: HIGH\nIMPORTANCE: HIGH\nThis is to complain against U. S. Bank.\nU. S. Bank account ending in: XXXX\nI wish to practice my right as a customer of U. S. Bank to use your organisation's service, seeking a\nformal, impartial investigation to amicably settle my dispute with U. S. Bank.\nIn order to clear up the myriad of letters and correspondences I have hitherto sent to U. S. Bank\nrespecting my complaint, I believe it will substantially strengthen both my case and your understanding,\nby taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and\ncomprehensive fashion.\nIt is crucial to note that I have been manipulated, socially-engineered and coerced to engage these\nfraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam.\nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct\nof U. S. Bank to be commensurate with their legal role and responsibility to their customers. They sell a\nservice to look after their customers, protect their money and are a financial institution that maintains a\ntraditional relationship and way of working with its customers.\nDuring the complaints process with U. S. Bank, I found their communication ineffective, which further\nhides their conduct to management and diminishes the service offering to their clients. They are\nstruggling to adapt their business offering in the ever-changing world of IT development. The internet is\npresenting a real problem which they choose to manage in a way which is not in line with rules and\nregulations of CFPB as well as their own internal policy and procedures sold to their clients.\nGeneral Obligation:\nCommencing on or about XXXX  2024, I fell victim to a multi-layered scam operations run by DML Markets under the domain m.dml-markets.cc which involved me making deposits for a total amount of XXXX  USD from my U. S. Bank account to fraudulent investment firm(s).\nWhen determining whats reasonable and fair, we should focus on the issue of liability; common queries\ninclude, but are not limited to, the following (i) whether U. S. Bank did not take notice of any rule, law, or\nregulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that\nmay have prevented them from protecting my financial safety; (ii) whether by virtue of U. S. Banks\nPage XXXX of XXXX\nXX/XX/2024\ncustodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so,\nwhether that duty was breached; (iii) whether U. S. Bank promoted the transaction(s) in question despite\nbeing aware of the nature of the transaction(s) in question (iv) whether U. S. Bank was in compliance\nwith its own policies and procedures; (v) whether U. S. Bank owed duties to myself, what the scope of\nthose duties was, and whether U. S. Bank did not uphold those duties; (vi) whether U. S. Banks conduct\nwas unfair; and (vii) whether U. S. Bank has within its power the ability to, and should, compensate me\nfor the harm that has befallen me.\nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member\nadequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent\nand nature of this activity and properly communicate to the customer that such activity meets the relevant\ncriteria of fraud.\nIn providing its services to a customer, a financial institution is required by law to exercise the care and\nskill of a diligent, prudent banker. In this case, this means that the payment service provider should not\nturn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In\nother words, U. S. Bank must have had special knowledge of what was occurring or been alerted to a real\npossibility of fraud taking place. The financial institution must have known or reasonably ought to have\nknown that I was dealing with a scammer.\nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a\nsense in which the standard of care of the reasonable person involves in its application a subjective\nelement.\nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not\naverage care. The fact that most people behave in a certain way may be good evidence that the conduct is\nreasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of\nthe evidence suggests that U. S. Bank did not foresee the fraud and disregarded even the most obvious\ndangers in this respect.\nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the\nstandard of the reasonable person should be applied, and that lessons can be learnt from the errors of the\npast.\nU. S. Banks Position:\nOnXX/XX/2024 U. S. Bank wrote in a letter We regret any frustration or inconvenience this matter\nmay have caused you. We understand that being the victim of a scam can be confusing, time consuming,\nand inconvenient.\nUpon receiving your request for assistance, our records confirm two claims were opened with our Wire\nDepartment on XXXX XXXX which debited your account ending XXXX  on XXXX XXXX and XXXX XXXX in the amounts\nof XXXX and XXXX  A request was sent to the beneficiary bank for recall of these funds.\nPlease know, the receiving institution is not obligated to return these funds or respond to our request. The\nelapsed time from the time of the transfers to the time of the claim submission limits the chances of\nrecalling the funds. We recommend you also continue working directly with your local law enforcement\nofficials to attempt to recover your money from the beneficiary of this payment.\nPage XXXX of XXXX\nXX/XX/2024Refuting U. S. Banks arguments from a purely logical perspective:\nU. S. Banks position is that the features of the situation at hand do not generate a genuine obligation to\nprotect innocent and helpless victims; they are essentially arguing that common-sense-based approaches\nare doomed to fail, leaving their exclusively technical account of the subject matter as the only\nmeaningful choice. For reasons which are unclear, this extremely serious situation barely gets the\nattention it deserves even though ample evidence has been offered in support of this complaint.\nIn U. S. Banks view, it is implied that we should not home in (and consequently rely) on unwritten laws,\npracticality, good judgement, reasonableness, sharpness, sensibleness, past outcomes, and insight, when\ntaking appropriate precautions. To underscore, once again, such views are at odds with common sense\nand are wildly irresponsible.\nImagine a view according to which the one and only thing that can make U. S. Bank morally obligated to\ndo something is having it written down somewhere. Pursuant to this view, if U. S. Bank encounter the\nsuffering of totally naive victims, they are only obligated to intervene in or remedy the situation, to the\ndegree required by written material. This is unbecoming for a reputable establishment such as U. S. Bank.\nI have reviewed the material hereto sent by U. S. Bank carefully, and it unfortunately provides no\nresponse to my fundamental argument concerning the degree of care. Given its size, influence, and the\nresources at its disposal, this establishment clearly had a far greater capacity than an individual such as\nmyself had, to determine the level and likelihood of risk that a client such as myself is subjected to and\nhad a duty to intervene as they now do to query in particular out-of-pattern transactions of this kind.\nIt is perfectly obvious that U. S. Bank, inadvertently, employs a subtle approach in addressing some of the\nkey questions in a manner which neither provides me with adequate support nor protects anything other\nthan its own interests.\nIt is U. S. Bank here, who has the burden of proof, to show that it has exercised the duty of care, that is to\nsay, that U. S. Bank adhered to a standard of reasonable care in relation to the matter at issue given its\nextensive experience compared to mine. It is U. S. Bank that claims that the damages which I have\nsuffered in connection to this matter have not been reasonably foreseeable, and that my proposed degree\nof care is not, and has not been, commensurate with U. S. Banks capacity, experience, expertise, or scope\nof services in any way. To reemphasize, U. S. Banks indisputable overriding purpose is by no means to\npurely execute transactions in a blind and blank fashion, but rather to strike a balance between executing\nthose transactions and capitalising on its undeniably vast capabilities to protect consumers thereby\nenhancing market integrity.\nApropos of the fluidity of the concept of reasonableness, all U. S. Bank has done in this regard is set up a\ndichotomy of having or not having the legal obligation under consideration, however, that does not go\none-inch toward explaining why various regulatory authorities, has maintained that financial institutions\ncan, and should, protect consumers using their systems, advanced technologies, and rich experience.\nU. S. Bank is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may\nbe being perpetuated. If you don't question its customers instructions or raise the possibility of a scam\nwith the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n particularly vulnerable, or\nPage XXXX of XXXX  XX/XX/2024\n if the possibility of fraud was serious or real, not just suspected.\nThere are some recommendations to organisations for protecting customers from financial harm that\nmight occur as a result of fraud or financial abuse; and gives guidance on how to recognise customers\nwho might be at risk, how to assess the potential risks to the individual and how to take the necessary\nactions to prevent or minimise financial harm.\nThese recommendations are established as a general principle, the organisation should deliver a\nservice that:\nXXXX) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it\nsets out systems and tools for the prevention and detection of fraud and financial abuse. As a general\npoint, it says organisations should ensure that all systems are developed using technologies and\nmethodologies that are effective in the prevention of fraud and financial abuse, through authorised\nand unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to\nthe detection of fraud and financial abuse, it says the organisation:\nA) should have measures in place across all payment channels and products to detect suspicious\ntransactions or activities that might indicate fraud or financial abuse. It then lists the following\nexamples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are\ntransactions whose amount, characteristics and frequency bear no relation to the\neconomic activity of the customer, exceed normal market parameters or have no\napparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\nB) organisations should have a process in place to ensure that staff make contact with the\ncustomer to verify the financial activity, challenge its authenticity, explain the nature of the\nsuspected or detected fraud and discuss an appropriate plan of action.\nU. S. Bank are yet to show, or otherwise provide me with, a compelling argument that their wide-ranging\nexperience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to\navert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which\nPage XXXX of XXXX\nXX/XX/2024requiring their involvement has not only been pressingly relevant but also eminently reasonable and well-\njustified.\nRather than empathising with and undertaking substantial efforts to convey their knowledge of the\nexistence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of\nconsumers who have been cheated out of their money and whose role in society is properly fulfilled,\npositively contributing to local economic growth, development and sustainability  U. S. Bank adopts a\nrather insouciant attitude toward my financial predicament portrayed herein.\nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to\nensue if no responsibility is adopted by U. S. Bank in relation to this matter. I have also thoroughly\ndetailed why they cannot simply dismiss this problem by strictly adhering to legal technicalities which,\nafter careful reflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly\nunfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly\nmalevolent acts, thereby keeping an unjust status-quo that is corrupting our society at its core.\nConclusion:\nBased on my analysis, and as confirmed by various authorities concerned with such matters, there is\nabundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall\nfraud, or at least mitigate its risk by using an effective risk management system, demonstrating their\nundisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital\narena. The use of such systems, largely based on newly adopted technologies aimed at effectively\nnavigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in\nthis connection, alongside the application of past knowledge and experience related to popular fraudulent\npractices.\nAstonishingly, I am pondering how it is that, despite being shown that U. S. Banks business conduct was\ninsufficient insofar as background checks are concerned, they keep refuting their indisputable role and\nresponsibility in connection with the matter herein discussed. The points that I have hitherto made are too\ncrucial to be taken lightly. U. S. Banks non-observance of the fundamental principles of justice  that is,\nto completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is\ninexcusable given the size of the establishment and the vast resources at its disposal as the direct result of\nthe patronage of clients like myself.\nIf it was, indeed, solely my responsibility, we must then believe at least one of the following clauses: a)\nfinancial institutions have absolutely no role whatsoever in preventing and detecting fraud, b) the fraud in\nquestion was not reasonably foreseeable, or c) the transactions in question were not sufficiently alarming.\nIt is extremely unfortunate that U. S. Bank pushes quite hard for me to believe all three of these things\ndespite evidence to the contrary.\nIn summary, I respectively ask your organisation to consider my points, given your personal and\ncompanywide obligation to provide a fair and reasonable investigation into the complaint.\nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome.\nThank you.\nXXXX XXXX XXXX  Page XXXX of XXXXXX/XX/2024\nTHE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK\nDemand for Return of Funds\nXX/XX/2024\nU.S. Bank XXXX XXXX XXXX XXXX MN XXXX Re: XXXX XXXX XXXX Account number: XXXX XXXX XXXX XXXX Demand for Return of Funds Dear XXXX  or XXXX, I am writing to you concerning my account referenced above to notify you that the transactions described below were fraudulent, and to demand that funds in the amount of XXXX  be returned immediately.\nThe Transactions\nI made the following transfers from the Account:\nDate Amount Recipient InstitutionXX/XX/2024 XXXX XXXX  XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nAll of the foregoing transfers were the result of fraud. Specifically, I bonded with an individual online and\ngot introduced to investing in a seemingly innocent manner. She directed me to a carefully replicated\nXXXX  Markets website, under the domain m.dml-markets.cc. Initially, I seemed to be profiting from my\ninvestments, according to their platform. However, I was later notified that my account and funds had\nbeen frozen due to suspicious activity and leveraged on my trust and fear of slipping into an unfortunate\nfinancial situation, successfully tricking me into depositing additional funds in order to resolve the issue.\nUltimately, I was unable to complete further transfer requests they made. Despite the highly irregular\nnature of these transactions compared to my usual patterns, I was never approached for clarification by\nany institution involved.\nPlease note the following:\n I have never transacted with cryptocurrency in such a manner before.\n The pattern of the Transactions fits within well-known fraudulent schemes.\n I am an elderly individual.\n The bank failed to implement adequate safeguards to protect elderly customers from known fraud\nschemes, potentially violating the \"reasonable security\" standard under various state laws.\n The Consumer Financial Protection Bureau's guidelines on preventing elder financial abuse\nsuggest that banks should have systems in place to detect and prevent this type of fraud\n The bank did not attempt to contact me to verify this large, unusual transaction before processing\nit, which may be considered a failure in their duty of care.\nDemand for Return of Funds\nBasis For Demand\nThe foregoing Transactions were fraudulent, and I am therefore entitled to have the amounts set forth\nabove returned to my account pursuant to the representations made by you. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Further, the Transactions had all the clear markings of well-known scams, about which you have been\nrepeatedly warned by law enforcement and other government agencies. Your facilitation of the\nTransactions is another basis for the return of the Funds. See XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX (applying the should have known standard under statute); see alsoXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX).\nRight to File Claim\nNothing in this letter should be construed as a waiver of my rights to damages not expressly set forth\nherein. It is my hope that the Funds are returned quickly, and that no further action is necessary.\nIf we cannot reach a resolution, then I will have no choice but to file an arbitration claim pursuant to your\nterms and conditions.\n\nu s D a n K . XXXX XXXX  CA XXXX U.S. BANK SMARTLY CHECKING U.S. Bank National Association Card Withdrawals (continued) Card Number: XXXX Date Description of Transaction R e f Number Uni-Statement Account Number: XXXX XXXX XXXX XXXX  Statement Period: XXXX XXXX XXXX through XXXX XXXX XXXX\nPage XXXX of XXXX\n(CONTINUED)\nAccount Number XXXX\nAmount\nCard XXXX Withdrawals Subtotal\nTotal Card Withdrawals\nRef Number\nXXXX XXXX\nOther Withdrawals\nDate Description of Transaction XXXX XXXX Electronic Withdrawal\nREF=XXXX XXXXXXXX XXXX  Electronic Withdrawal\nREF=XXXX XXXX XXXX Wire Transfer Fee XXXX XXXX Wire  Debit XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SA\nChecks Presented Conventionally\nCheck\nXXXX\nDate Ref Number XXXX XXXX XXXX  Amount XXXX  Check\nXXXX  Total Other Withdrawals\nDate\nXXXX XXXX  $\nRef NumbeXXXX XXXX XXXX XXXX Amount XXXX XXXX XXXX XXXX XXXX-\nAmount XXXX\nu s b a n k JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX\nU.S. BANK SMARTLY CHECKING\nU.S. Bank National Association\nCard Withdrawals (continued)\nCard Number: XXXXXXXX\nDate Description of Transaction Ref Number\nUni-Statement\nAccount Number:\nXXXX XXXX XXXX XXXX\nStatement Period:\nXXXX XXXX XXXX through\nXXXX XXXX XXXX\nPage XXXX of XXXX XXXXCONTINUED)\nAccount Number XXXX\nAmount\nOther Withdrawals\nDate Description of Transaction\nXXXX XXXX Electronic Withdrawal\nREF=XXXX\nCard XXXX  Withdrawals Subtotal\nTotal Card Withdrawals\nRef Number\nTo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-\nA m o u n t\nXXXX XXXX XXXX  Wire Transier Fee XXXX XXXX  Wire Debit REFXXXX XXXX XXXX XXXX XXXX XXXX Electronic Withdrawal\nREF=XXXX XXXX XXXX Electronic Withdrawal\nREF=XXXX\nXXXX XXXX Electronic Withdrawal\nREF=XXXX XXXX\nChecks Presented Conventionally\nCheck Date Ref Number\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Total Other Withdrawals\nAmount\nXXXX  Check XXXX Date Ref Number\nXXXX XXXX XXXX  Conventional Checks Paid (2)\n\n\nu s b a n k .\nusbankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  Re: Account ending in XXXX\nDear XXXX XXXX XXXX XXXX XXXX:\nThe Office of the President received your request for assistance. We appreciate the opportunity to respond to your\nc o n c e r n s .\nWe regret any frustration or inconvenience this matter may have caused you. We understand that being the victim of a\nscam can be confusing, time consuming, and inconvenient.\nUpon receiving your request for assistance, our records confirm two claims were opened with our Wire Department on\nXXXX XXXX  which debited your account ending XXXX on XXXX XXXX XXXX XXXX XXXX in the amounts of XXXX XXXX XXXX. A\nrequest was sent to the beneficiary bank for recall of these funds.\nPlease know, the receiving institution is not obligated to return these funds or respond to our request. The elapsed time\nfrom the time of the transfers to the time of the claim submission limits the chances of recalling the funds. We\nrecommend you also continue working directly with your local law enforcement officials to attempt to recover your\nmoney from the beneficiary of this payment.\nPlease refer to the section of the Your Deposit Account Agreement (Agreement) titled Funds Transfers, which states, \"A\nwire transfer is irrevocable once payment has been transmitted to the beneficiary's bank. At your request, we may\nrequest that the beneficiary's bank return funds previously transferred. However, you acknowledge that the beneficiary's\nbank is under no obligation to comply with this request.\" The most current copy of the Agreement is available on\nusbank.com or at your local U.S. Bank branch. The Agreement is also included with the documentation provided when a\nnew account is opened.\nOur customers are generally protected from liability for unauthorized transactions or fraud. Any transactions you initiate\nare considered authorized by you. Also, if you send funds to someone for products or services, and they fail to deliver the\ndesired service, it becomes a civil matter and unfortunately falls outside of our ability to recover those funds. We\nrecommend you continue to work with the recipient of the funds to request a refund. You may also consider working with\nyour local law enforcement officials to attempt to recover your money from the beneficiary of this payment.\nIn your correspondence you enclosed a statement and mention four additional fraudulent transfers on your account\nending XXXX  in the amounts oXXXX XXXX XXXX XXXX XXXX XXXX Please note, we were unable to locate any claims on\nthe transactions mentioned above. If there are transactions you believe should be disputed, please contact our Fraud\nDispute Intake team at XXXX to file a claim, where representatives are available to assist you XXXX  hours a day,\nseven days a week (we accept relay calls).\nAdditionally, in your correspondence you also expressed concern regarding our alleged failure to prevent the above\ntransactions from occurring. A review of the wire interaction confirmed the branch representative asked appropriate\nverification questions and determined you had previously sent similar wires.","date_sent_to_company":"2024-11-14T21:28:16.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"92027","tags":"Older American","has_narrative":true,"complaint_id":"10794902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-11-14T21:06:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We\nrecommend you continue to work with the <em>recipient</em> of the funds to request a <em>refund</em>. You may also consider working with\nyour local law enforcement officials to attempt to recover your money from the beneficiary of this payment.\nIn your correspondence you enclosed a statement and mention four additional fraudulent transfers on your <em>account</em>\nending XXXX  in the amounts oXXXX XXXX XXXX XXXX XXXX XXXX Please note, we were unable to locate any claims on\nthe transactions mentioned above."]},"sort":[5.297541,"10794902"]},{"_index":"complaint-public-v1","_id":"8395694","_score":3.7205029,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XXXX of XXXX Explore Credit Support Inbox XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to Helpdesk, me XXXX do not deduct anything ever from my XXXX XXXX XXXX account XXXX XXXX XXXX for sure delete the {$97.00} first payment on this loan XXXX XXXX XXXX this friday XXXX do not deduct if we do we will have to bring in the Consumer Financial Protection Bureau to investigate myloans an all others there your choice.Write off the {$1100.00} as of today do not do these loans your competitors got fined $ XXXX and {$20.00} mil and I've called 5 times and you hung up blew me off and are stealing my interest illegal to charge 500 % I need verification nothing within dome out my account tomorrow or ever in the future XXXX XXXX XXXX {$97.00} is due on XX/XX/XXXX Your recurring payment is all set. \n\nView Loan Details Loan ID XXXX | Current as of XX/XX/XXXX Original Loan {$1000.00} Applied XX/XX/XXXX Original Term 13 months View Agreement # Payments XXXX View Schedule Payment Amount {$97.00} XXXX XXXX XXXX XXXX Payoff Amount {$1100.00} Pay Off Loan -- -- -- -- -- Forwarded message -- -- -- -- - From : Explore Credit XXXX Date : Wed, XX/XX/XXXX at XXXX Subject : Explore Credit Support To : XXXX XXXX Balance {$1100.00} Welcome, XXXX, you're enrolled in our Loyalty Program where you can earn exciting awards! \n{$97.00} is due on XX/XX/XXXX Your recurring payment is all set. \n\nView Loan Details Loan ID XXXX | Current as of XX/XX/XXXX Original Loan {$1000.00} Applied XX/XX/XXXX Original Term 13 months View Agreement # Payments XXXX View Schedule Payment Amount {$97.00} XXXX XXXX XXXX XXXX Payoff Amount {$1100.00} Pay Off Loan Make an Early Payment Pay your upcoming payment earlier than scheduled. This will satisfy your upcoming scheduled payment, and we will not pull another payment until the next payment cycle. \n\nXXXX XXXX XXXX XXXX an XXXX XXXX XXXX payments will lower the overall balance due on your account. This payment will be applied to your account, and we will still continue to pull your scheduled upcoming payment as well. \n\nMake Extra Payment Pay Off Your Loan This option will satisfy your loan in full. \n\nAs of today, your loan payoff is {$1100.00} Pay Off Loan Payment Options Self service payment options available XXXX XXXX XXXX XXXX Account XXXX XXXX your info My Profile My XXXX XXXX XXXX Explore Credit XXXX XXXX, As discussed, please see the attached loan agreement. If you have questions, please call us. \n\nThanks Explore Credit XXXX XXXX, The Explore Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Us Today! \nXXXX Home Firm Overview Class Notices Attorneys Practice Areas Resources Blog Contact Us En XXXX XXXX XXXX PROTECTING THE RIGHTS OF CONSUMERS FOR OVER 25 YEARS XX/XX/XXXX | By XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Please contact us if you are in Illinois or Indiana and obtained a loan from WLCC XXXX XXXX XXXX Explore Credit. \nCategories : High interest loans Share To : XXXX XXXX NEXT POST Related Posts XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX as alleged assignee of XXXX Bank loan XX/XX/XXXX Accelerated Inventory Management attempting to collect XXXX loans XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact XXXX XXXX Address XXXX XXXX XXXX XXXX Suite XXXX XXXX, IL XXXX Map & Directions Links Home Firm Overview Class Notices Attorneys Resources Contact Us En XXXX Follow Us The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. \nThis information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. \nXXXX XXXX Rights XXXX. \n\nSite Map Privacy Policy Login EXPLORE CREDIT | Client Support Team Office : XXXX Email : XXXX Thank you so much for choosing Explore Credit as your loan provider. If you have any questions, please contact our representatives at XXXX XXXX AM EST XXXX PM EST ( Every Day ). \n\nExplore Credit XXXX Department, XXXX XXXX XXXX, XXXX, GA XXXX XXXX WLCC Lending JEM dba Explore Credit. All Rights Reserved Confidentiality Notice : This e-mail and any attachment ( XXXX ) are for the sole use of the intended recipient ( XXXX ) and XXXX be confidential and/or privileged. Any unauthorized use, disclosure or copying is strictly prohibited, and XXXX be unlawful. If you have received this communication in error, please immediately notify the sender by return e-mail, and delete the message. \n\nPrivacy Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explore Credit Unsecured Personal Installment Loan by WLCC Lending JEM dba Explore Credit PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN THE PAYMENT CHOICE AUTHORIZATION. \n\nWe can not commit to make a loan to you unless your completed application is approved by our underwriting department, located on the XXXX 's Reservation. \n\n\n\nTRUTH IN LENDING DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. \n488.32 % FINANCE CHARGES The dollar amount the credit will cost you {$4000.00} AMOUNT FINANCED The amount of credit provided to you or on your behalf {$1000.00} TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled. \n{$5000.00} Your Payment Schedule will be : Payment Amount of Payments When Payments Are Due XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Charge : If a payment is 7 days or more late, you XXXX be charged a late payment fee of {$25.00}. \n\nPrepayment : If you pay off early, you will not have to pay a penalty. \nSee this XXXX XXXX for any additional information about nonpayment, default, any required repayment in full before the scheduled date. \n\nAll numerical disclosures except the Late Charge are estimates ITEMIZATION OF AMOUNT FINANCED XXXX. Amount given directly to you : {$1000.00} ( the \" XXXX XXXX '' ) XXXX. XXXX XXXX paid on my loan account : {$0.00} XXXX. Equal Amount Financed : {$1000.00} SPECIAL NOTICES : THIS IS AN EXPENSIVE FORM OF BORROWING. \nYOU CAN SAVE FINANCE CHARGES BY PAYING OFF YOUR LOAN EARLY EITHER IN PART OR IN FULL. \nYOUR LOAN IS DESIGNED TO ASSIST YOU IN MEETING YOUR SHORT-TERM CASH NEEDS. IT IS NOT A SOLUTION FOR LONGER TERM FINANCIAL PROBLEMS. \nNON-PROFIT CREDIT COUNSELING SERVICES ARE AVAILABLE IN YOUR COMMUNITY FOR CONSUMERS EXPERIENCING FINANCIAL PROBLEMS. \n\n\n\n\n\n\n\nWLCC XXXX LOAN AGREEMENT Lender : Borrower : Name : WLCC XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, GA XXXX XXXX b XXXX XXXX XXXX, XXXX CA XXXX Disbursement Date : XX/XX/XXXX Effective XXXX This is our Agreement with you regarding your loan. It contains important terms and conditions. You should read it carefully before you electronically sign it. \nIn this XXXX XXXX ( the \" XXXX '' ) the words \" you '' and \" your '' mean the borrower who has electronically signed it. The words \" XXXX '', \" we '', \" us '' and \" our '' mean WLCC XXXX XXXX. We are a sovereign enterprise, an economic development arm and instrumentality of, and wholly owned and controlled by, the XXXX XXXX XXXX ( the \" Community '' ), a political subdivision of the XXXX XXXX XXXX ( the \" Tribe '' ), a federally-recognized sovereign American XXXX Tribe. This means that your loan is provided by a sovereign government and the proceeds of our business fund governmental services for XXXX citizens. All disclosures in this Agreement are also terms and conditions of this XXXX. \n\nYou must electronically sign this XXXX XXXX and submit it to us with your application. We will then approve or deny your application. If we approve it, the proceeds of your loan will disbursed to you and this XXXX will be in full effect. \n\nVERIFICATION. We reserve the right to verify the accuracy of all information you provide and to deny your loan application in case of any inaccuracy or omission in your loan application, or any other violation of this XXXX. We reserve the right to verify any information you submit through the production of appropriate documentation, and also reserve the right to conduct such verification through a third party. You hereby authorize us to request and obtain data from a third party to verify any information you provide us in connection with your application. \n\nRIGHT TO CANCEL. You have the right to cancel this Agreement without cost within XXXX ( XXXX ) business days from the date we notify you that your application has been approved by XXXX. If you decide to cancel this Agreement you must send us your notice of cancellation by email to XXXX or by phone to XXXX no later than midnight XXXX time on the second business day after the Disbursement Date ( the \" Midnight Deadline '' ). You must also return all proceeds of your loan that you received by the Midnight Deadline. To return those amounts to us, your notice of cancellation must also include your authorization for us to use XXXX of the payment methods you selected on your Disbursement and Payment Choice. If we timely receive your written notice of cancellation on or before the Midnight Deadline but before the loan proceeds have been deposited into Your Bank Account, then we will not debit XXXX Bank Account and both your and our obligations under this Loan Agreement will be rescinded. However, if we timely receive your written notice of cancellation on or before the Midnight Deadline but after the loan proceeds have been deposited into Your Bank Account, then you authorize us to effect a debit to Your Bank Account or your debit card as you selected in your Disbursement and XXXX XXXX XXXX for the principal amount of this Loan Agreement. If we receive payment of the principal amount via thedebit by the Midnight Deadline, then both your and our obligations under this XXXX XXXX are immediately rescinded. If we do not receive payment of the principal amount by debit to Your Bank Account or your debit card, then this XXXX XXXX remains in fullforce and effect. \n\nTRUTH IN LENDING DISCLOSURES : The Truth-in-Lending Disclosures above are provided to you so that you XXXX compare the cost of this loan to other loan products you might obtain in the United States. Our inclusion of these disclosures does not mean that we or any subsequent holder of this XXXX consents to the application of state law to us, to the loan, or this XXXX. \n\nYOUR PROMISE TO PAY. You promise to pay to the order of Lender or any assignee of this Agreement from the Disbursement Date above the principal sum of {$1000.00} ( Principal ) plus interest ( and any applicable fees ) on the unpaid principal balance of the loan until the amount you owe under this Agreement is repaid in full ( the Loan ). You promise to repay this amount in installments in the amounts and on the dates set forth above in the Payment Schedule section of the XXXX XXXX in XXXX XXXX. You agree to make your payments using the method or methods you selected in your Disbursement and Payment Choice Authorization. \n\nYOUR INTEREST CHARGES. You agree to pay interest on the outstanding Principal at a rate of 495.00 % per annum ( the XXXX XXXX ) from the loan date until paid in full. To figure interest, we divide the XXXX XXXX by XXXX, which equals a daily rate of 1.36 % ( XXXX XXXX ). We then multiply the XXXX XXXX by the outstanding principal balance. This gives us a daily interest charge. We then multiply the daily interest charge by the number of days the principal balance is outstanding. Interest accrues from the Effective Date to the date your loan is paid in-full. Late payments made after the due date will result in additional interest charges. \n\nAPPLICATION OF PAYMENTS. We will apply all payment we receive in the following order : ( XXXX ) fees ; ( XXXX ) accrued and unpaid interest; and ( XXXX ) Principal. If you make an extra payment ( in addition to your regularly scheduled installment payment ) and you are not in default, we will apply the extra payment according to the order described in this section. \n\n\n\n\n\n\n\nESTIMATES. All numerical disclosures in the Truth-in-Lending Disclosures are estimates made assuming the Disbursement Date is the business day after your loan is approved. \n\nREPAYMENT SCHEDULE. You must repay this XXXX in payments according to the Payment Schedule set forth above in the XXXX XXXX XXXX. Your payment is made up of principal and interest repayments. The Truth-in-Lending Disclosures are calculated based on the assumption that you will make each payment on the date it is due. If any payment falls on a weekend, bank holiday or a day that your bank is not open, then such payment shall be due on the prior business day upon which your bank is open. \n\nPREPAYMENT. You XXXX prepay all or part of the amount that you owe under this XXXX at any time without having to pay a penalty. Since finance charges are not precomputed, you will not be entitled to a prepayment refund. To arrange to prepay your loan in whole or in part, you must go online at https : //login.explorecredit.com or call us at ( XXXX ) XXXX to alert us of your intention to make a prepayment and then follow our instructions. Partial prepayments will not change the amount or due date of your remaining payments until your Loan is paid in full. Instead, the prepaid principal will be deducted from the end of your payment schedule. A customer service representative can provide you with more detailed information based on your individual repayment history. \n\nDISBURSEMENT. If your XXXX is approved, we will disburse your loan proceeds within XXXX ( XXXX ) Business Days. A XXXX XXXX is a regular workday and does not include Saturday, Sunday or banking holidays or on that same day. You authorize us to use commercially reasonable efforts to initiate a credit entry by depositing the proceeds of your XXXX into the bank account or onto the payment instrument that you first authorized in your Disbursement and Payment Choice Authorization. The date that your loan proceeds are deposited to Your Bank Account or onto your payment instrument is the \" Effective Date '', which is set out above. Unavoidable delays such as bank holidays, the processing schedule of your individual bank, inadvertent processing errors, \" acts of XXXX '' or \" acts of terror '' XXXX extend the time for the deposit. \n\nDEFAULT : You will have broken your promise to pay in this loan agreement if : ( a ) you provide false or misleading information about yourself, your source of income, or your financial condition prior to entering into this loan agreement; or ( b ) if you fail to pay us a scheduled payment or any other amounts you owe us when due or your chosen payment method is stopped, denied or otherwise dishonored. \nCONSEQUENCES OF DEFAULT : Should you default on any of your obligations under this loan agreement, we XXXX, at our option, do any XXXX or more of the following : ( a ) we can choose to declare all principal, earned finance charges, and other amounts that you owe to us to be immediately due and payable in full ; ( b ) if you authorized debits from either your Bank Account or your debit card in your Disbursement and Payment Choice Authorization, you agree that, without further notice, we can debit your bank account or debit card, as applicable, for the full amount that you owe us ; ( c ) submit your name to a collection agency ; ( d ) report the incident to a consumer reporting agency database, which XXXX negatively impact your ability to receive loans or advances from other companies ; and ( XXXX ) pursue all legally available means to collect what you owe us. By choosing any XXXX or more of the above options, we do not waive our rights to use any alternative methods available to usto collectthe money you owe us. \n\nLATE PAYMENT FEE. If your payment is XXXX or more days late we XXXX charge you a late payment fee of {$25.00}. \n\nRETURNED PAYMENT CHARGE. If your payment method is stopped, denied or otherwise dishonored, then you XXXX be assessed a returned payment fee of {$25.00}. Your returned payment XXXX also cause your payment to be late which could result in you also having to pay a late charge. Your bank XXXX also charge you a fee. \n\nCONSUMER REPORTS. You authorize us to obtain consumer reports about you now or in the future as long as you owe us money under this XXXX. We XXXX use the consumer report for any purpose authorized by applicable law in connection with a credit transaction involving you and involving the extension of credit to you or review collection of your account, including but not limited to ( i ) for authentication purposes, to make sure you are who you say you are, ( ii ) to make credit decisions ; ( iii ) to determine how much debt you currently have, in order to determine your debt-to- income ratio, and ( iv ) to obtain information and characteristics from your credit report from XXXX or more consumer credit reporting agencies. We XXXX report information about your performance under this Agreement to credit reporting agencies. Late payments, missed payments and defaults XXXX be reported. This XXXX negatively impact your ability to receive loans or advances from other companies or to write checks. \n\nCREDIT DISPUTES ; IDENTITY THEFT. If you believe that any information about your loan that we have furnished to a consumer reporting agency is inaccurate, or if you believe that you have been the victim of identity theft in connection with any loan made by XXXX, write to us at PO XXXX XXXX, GA XXXX. In your letter ( i ) provide your name and loan number, ( ii ) identify the specific information that is being disputed, ( iii ) explain the basis for the dispute and ( iv ) provide any supporting documentation you have that substantiates the basis of the dispute. If You believe that you have been the victim of identity theft, you must submit an identity theft affidavit and a police report documenting the theft along with your letter to us so that we XXXX document your account as fraud. \n\nENTIRE AGREEMENT. This Agreement contains the entire agreement between you and XXXX relating to it. Any change to this Agreement must be in writing signed by us. No oral changes are binding. \n\nOTHER RIGHTS. We XXXX delay enforcing any of our rights without losing them. We can enforce this Agreement against your heirs and legal representatives. We XXXX assign this XXXX and our rights under it without notice to you and without your consent. \n\nASSIGNMENT. We XXXX assign or transfer this XXXX or any of our rights under this XXXX. \n\n\n\n\n\n\n\nATTORNEY FEES AND COLLECTION COSTS. If the XXXX is in default as described above, and we XXXX pursue collection efforts against you, subject to applicable law. You agree to pay all reasonable collection agency fees, court costs and other collection costs actually incurred by XXXX and our agents, successors and assigns in the collection of any amount you owe us. If we refer your XXXX to an attorney who is not our salaried employee for collection, you agree that we XXXX charge and collect from you reasonable attorney fees incurred by us. \n\nXXXX XXXX CLAUSE. Not withstanding any other provision herein, the aggregate interest rate of the XXXX ( including all charges or fees in connection with this XXXX that are deemed in the nature of interest under applicable law ) shall not exceed the highest lawful interest rate. If XXXX contracts for, charges, or receives any consideration which constitutes interest in excess of the highest lawful rate, then any such excess shall be cancelled automatically and, if previously paid, shall at such Lenders option be applied to the outstanding amount of the XXXX made hereunder or be refunded to you. \n\nGOVERNING LAW. This Agreement is governed by the laws of the XXXX XXXX XXXX of the XXXX XXXX Reservation ( \" Tribal Law '' ), a federally recognized XXXX Tribe and the XXXX Commerce Clause of the United States XXXX and XXXX XXXX XXXX, and the Arbitration Agreement below is additionally governed by the XXXX XXXX XXXX ( XXXX ) and the decisions of the United States Supreme Court interpreting the XXXX. We do not have a presence in South Dakota or any other State of the United States of America. Neither this XXXX nor the XXXX is subject to the laws of any State of the United States. You agree to be bound by XXXX XXXX and all applicable federal law and in the event of a bona fide dispute between you and XXXX, XXXX XXXX and applicable federal law shall exclusively apply to such dispute. \n\nSOVEREIGN IMMUNITY. This Agreement together with any related documents are being submitted by you to us as a sovereign enterprise, an economic development arm and instrumentality of the XXXX which shares in the governmental sovereign immunity of the XXXX. Because we and the XXXX are entitled to sovereign immunity, you will be limited as to what claims, if any, you XXXX be able to assert against us. To encourage resolution of consumer complaints, any complaint XXXX be submitted by you or on your behalf to arbitration as described below. \n\nPRESERVATION OF SOVEREIGN IMMUNITY It is the express intention of the Community and XXXX operating as an economic arm of the Community, to fully preserve, and not waive other than as expressly provided in this Agreement, our sovereign governmental immunity from suit, and any other rights, titles, privileges, and immunities, to which we or the Community are entitled. To protect and preserve the rights of the parties, no person XXXX assume a waiver of sovereign immunity. No waiver is or can be made except by express written declaration of the XXXX 's governing XXXX specifically authorizing a waiver for the matter in question. Except as pertaining to a single, potential arbitration between you, as an individual consumer, and XXXX, no such waiver has been made with respect to this XXXX, your Disbursement and XXXX XXXX XXXX or any other related document.","date_sent_to_company":"2024-02-22T16:14:41.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"850XX","tags":"Older American","has_narrative":true,"complaint_id":"8395694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WLCC","date_received":"2024-02-22T15:56:24.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We reserve the right to verify any information you submit through the production of appropriate <em>documentation</em>, and also reserve the right to <em>conduct</em> such verification through a third party. 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