{"took":406,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11527,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19174926","_score":12.316779,"_source":{"product":"Debt or credit management","complaint_what_happened":"Company : Credit Saint, LLC Product Type : Credit repair services Issue Type : Billing / fees charged before services completed Desired Resolution : Refund of fees charged during ongoing investigations ; review of billing practices for compliance Complaint Narrative I am submitting this complaint regarding Credit Saint, LLCs billing practices for credit repair services.\n\nCredit Saint bills a recurring monthly fee approximately every 30 days. However, the credit bureau investigations associated with the disputes initiated by Credit Saint routinely remain open for up to 45 days, as permitted under the Fair Credit Reporting Act. \n\nAs a result, I am charged a monthly fee while the investigations are still legally ongoing and unresolved. At the time of billing, no investigation results have been received, no outcomes have been delivered, and no consumer-verifiable results exist. The service for which I am billed is therefore incomplete at the time the fee is charged. \n\nThis practice effectively constitutes the collection of a fee before services are fully rendered. \n\nThe CFPB has previously addressed this issue in its enforcement action against XXXX XXXX / XXXX, where the Bureau and the federal court rejected the argument that preparatory or administrative work ( such as submitting disputes or awaiting bureau responses ) constitutes completion of credit repair services. In that case, the CFPB determined that charging consumers before results were achieved violated federal consumer protection laws, regardless of how the fees were labeled ( e.g., monthly or service fees ). \n\nIn my case, Credit Saints billing cycle overlaps unresolved investigations, meaning consumers are charged while legally required investigations are still pending and before the consumer can assess whether any service outcome has been achieved. \n\nThis practice leaves consumers without transparency, without results, and without the ability to verify that services have been completed before payment is taken. \n\nI respectfully request that the CFPB review Credit Saints billing practices for compliance with federal consumer protection standards and require appropriate remediation, including refunds of fees charged during periods when investigations were still ongoing. \n\nCredit Saint charged me {$99.00} before investigations were completed. Then attempted another charge after 30 days, again before the investigation process was completed, which appears inconsistent with the Credit Repair Organizations Act ( CROA ) and CFPB guidance prohibiting advance fees prior to the completion of promised services. \n\nI have since disputed the charge with my credit card issuer.","date_sent_to_company":"2026-02-02T10:04:58.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Credit repair services","zip_code":"96817","tags":null,"has_narrative":true,"complaint_id":"19174926","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Saint Services LLC","date_received":"2026-02-02T09:32:39.000Z","state":"HI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company : Credit Saint, LLC Product Type : Credit repair services Issue Type : <em>Billing</em> / fees charged before services completed Desired Resolution : Refund of fees charged during ongoing <em>investigations</em> ; review of <em>billing</em> <em>practices</em> for compliance Complaint Narrative I am submitting this complaint regarding Credit Saint, LLCs <em>billing</em> <em>practices</em> for credit repair services.\n\nCredit Saint <em>bills</em> a recurring monthly fee approximately every 30 days."]},"sort":[12.316779,"19174926"]},{"_index":"complaint-public-v1","_id":"7449289","_score":12.086086,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am receiving bills from Regional Acceptance Corporation at my address. The bills are Not in my name, and I did not take out a loan with this company. The name associated with the bills is XXXX XXXX and on the detachable portion of the bill a second address is XXXX XXXX XXXX XXXX. The account # is XXXX. When I called a support line for Regional a woman gave a third address ( not mine ) trying to guess my address. It is obvious to me that this is fraud, and this corporation Regional Acceptance Corporation is trying to find a person by sending numerous bills to countless individuals in order to collect payment. I asked that this practice to cease and desist but was not willing to give my personal information so now I am seeking assistant from CFPB to investigate the business practice of Regional Acceptance Corporation. I want my address cleared and no more bills sent to my home address. And I think it's prudent to investigate the process of sending bills to random people in hopes of finding a fictional person. When I called Regional Acceptance Corporation, they were not helpful and seemed to put the work of clearing my address on me. This is a waste of my time and an extension of the fraud committed. Why is this now my problem and how does Regional Acceptance Corporation get away with this practice?","date_sent_to_company":"2023-08-24T12:56:35.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"19148","tags":null,"has_narrative":true,"complaint_id":"7449289","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-08-24T12:21:08.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I am receiving <em>bills</em> from Regional Acceptance Corporation at my address. The <em>bills</em> are Not in my name, and I did not take out a loan with this company. The name associated with the <em>bills</em> is <em>XXXX</em> <em>XXXX</em> and on the detachable portion of the <em>bill</em> a second address is <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. The account # is <em>XXXX</em>. When I called a support line for Regional a woman gave a third address ( not mine ) trying to guess my address."],"sub_issue":["<em>Billing</em> problem"]},"sort":[12.086086,"7449289"]},{"_index":"complaint-public-v1","_id":"2948376","_score":11.837915,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2018, my XXXX Credit Card Account ( XXXX XXXX XXXX XXXX XXXX XXXX ) was closed at my written request. The account is closed with a balance, and I am making on-time monthly payments to get it paid off. On XX/XX/2018, I was billed an annual fee of {$49.00}. On XX/XX/2018, I first emailed XXXX through its website to request the annual fee be waived. I did not receive a response. On XX/XX/2018, I initiated a chat session through the XXXX website and chatted with XXXX. I asked that the annual fee be waived/removed/reversed, but XXXX refused to waive it. He said that an annual fee will be billed on the account, even though it is closed, as long as there is a balance of {$25.00}. This practice seems illegal and definitely unfair and abusive. Customers should never pay annual fees on closed credit cards. The card can not be used at all ; thus, XXXX/XXXX XXXX XXXX XXXX  XXXX is being abusive in billing the annual fee and then refusing to waive it. I am asking that the CPFB investigate this bank for the abusive practice of billing annual fees on closed accounts. Also, when the account is closed, this bank needs to make clear of its annual fee billing in the close confirmation letter. It does not. Whereas other banks gladly waive annual fees on closed accounts, why has the federal government allowed XXXX/XXXX  XXXX XXXX XXXX  XXXX to get away with such an abusive practice? I would hope that appropriate fines and legal action are forthcoming for this bank, and the abusive practice of billing annual fees on closed accounts comes to an end. I am asking that the {$49.00} annual fee is waived on my account, and on a much larger scale, I am asking the CPFB to investigate and put an end to such an abusive practice.","date_sent_to_company":"2018-06-27T17:42:34.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"30157","tags":null,"has_narrative":true,"complaint_id":"2948376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2018-06-27T17:14:11.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I am asking that the CPFB <em>investigate</em> this bank for the abusive <em>practice</em> of <em>billing</em> annual fees on closed accounts. Also, when the account is closed, this bank needs to make clear of its annual fee <em>billing</em> in the close confirmation letter. It does not. Whereas other banks gladly waive annual fees on closed accounts, why has the federal government allowed <em>XXXX</em>/<em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> to get away with such an abusive <em>practice</em>?"]},"sort":[11.837915,"2948376"]},{"_index":"complaint-public-v1","_id":"5428809","_score":11.816959,"_source":{"product":"Debt collection","complaint_what_happened":"I reported to XXXX several times that the final bill was incorrect. The equipment charge for almost XXXX was incorrect, because the equipment was returned to their customer service store at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They refused to correct the bill, and after reported them this past year, they resold the bill to another collection agency Credit Management LP. I would to request an investigation into their dishonest buisness practices, and falsely stating records on my credit report over the past 5 years. I would like other customers to beware of their dishonesty, and to know of their extremely unprofessional buisness practices.","date_sent_to_company":"2022-04-26T21:08:48.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"28078","tags":null,"has_narrative":true,"complaint_id":"5428809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"The CMI Group, Inc.","date_received":"2022-04-10T03:17:35.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I would to request an <em>investigation</em> into their dishonest buisness <em>practices</em>, and falsely stating records on my credit report over the past 5 years. I would like other customers to beware of their dishonesty, and to know of their extremely unprofessional buisness <em>practices</em>."]},"sort":[11.816959,"5428809"]},{"_index":"complaint-public-v1","_id":"9964006","_score":11.758755,"_source":{"product":"Credit card","complaint_what_happened":"I initially opened a case with the agency, case number XXXX, regarding fraudulent and inappropriate billing practices by Lowes store credit card operating under synchrony bank. While I was issued a refund, I have since been charged an additional {$2.00} fee, despite having closed my account. Synchrony Bank is engaging in predatory billing practices, imposing unjustified fees that burden customers and potentially harm their credit. This additional fee should never have been charged. I urge you to investigate this company 's inappropriate billing of consumers and take necessary action to protect customers from such exploitative practices.\n\nThank you for your attention to this matter.","date_sent_to_company":"2024-08-27T03:10:29.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"90250","tags":null,"has_narrative":true,"complaint_id":"9964006","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-08-27T02:57:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I urge you to <em>investigate</em> this company 's inappropriate <em>billing</em> of consumers and take necessary action to protect customers from such exploitative <em>practices</em>.\n\nThank you for your attention to this matter."]},"sort":[11.758755,"9964006"]},{"_index":"complaint-public-v1","_id":"3746467","_score":11.670772,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XX/XX/XXXX, a debt collector company called CAPITAL ACCOUNTS sent a collection notice for the amount of {$8300.00} from the original creditor of XXXX XXXX. This debt is not properly validated and has false information for the amount balance requested. \n\nXXXX XXXX is considered an \" IN-NETWORK '' provider with XXXX XXXX XXXX. Since this provider is considered an \" IN-NETWORK '' dentist - they agree with the insurance company to predetermined fees and won't bill you for the difference between their charges and the contracted fee. Therefore, this claimed amount is null and void. \n\nI have already filed a formal complaint and request for a formal investigation with the dental insurance and with the California Department of Insurance regarding such harassments and abusive practice from both the debt collector ( CAPITAL ACCOUNTS ) and XXXX XXXX. \n\nPlease check the following attachment as additional evidence to my claim : Evidence 1 : Amount sent by the dental practice claiming an amount of {$4800.00}. Keep in mind that the dentist billed for service on teeth # XXXX in which has not been performed and can easily be proven since it is not in the mouth. Services should not be billed if not rendered. \n\nEvidence 2 : The bill sent again by the dental practice with an increase of {$7800.00} without properly breaking down the detailed amount to substantiate the claim. The Patient chart number is also inconsistent with the other billing ledger. \n\nEvidence 3 : A formal text message from the dental practice stating the original amount owed on XXXX XX/XX/XXXX XX/XX/XXXXfor the amount of {$4200.00}. You can see the inconsistency of the amount and despite claiming to be an \" In-Network '' they continue to bill the client. \n\nEvidence 4 : This is the final ledger submitted by the collection agency ( CAPITAL ACCOUNTS ) claiming an increase of {$7800.00} and added their fee of {$520.00} and continue to increase despite without properly validating the debt. \n\nI believe I have enough evidence to present what is valid as a patient and willing to have the law enforcement entity investigate such fraudulent practice. \n\nIf needed, I can also provide what was claimed by the dental practice with the insurance company to present transparency to my case.","date_sent_to_company":"2020-07-15T16:49:12.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"92626","tags":"Servicemember","has_narrative":true,"complaint_id":"3746467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Capital Accounts, LLC","date_received":"2020-07-15T16:01:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["I have already filed a formal complaint and request for a formal <em>investigation</em> with the dental insurance and with the California Department of Insurance regarding such harassments and abusive <em>practice</em> from both the debt collector ( CAPITAL ACCOUNTS ) and <em>XXXX</em> <em>XXXX</em>. \n\nPlease check the following attachment as additional evidence to my claim : Evidence 1 : Amount sent by the dental <em>practice</em> claiming an amount of {$4800.00}."]},"sort":[11.670772,"3746467"]},{"_index":"complaint-public-v1","_id":"20301608","_score":11.61598,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding Citi 's handling of my credit card dispute. \n\nI disputed charges from an XXXX rental car company due to deceptive pricing practices. My dispute was initially credited, but later reversed after the merchant responded. However, Citi never obtained a full written explanation from me and categorized the dispute incorrectly. \n\nThe issue was not that the product was unacceptable. The issue was misrepresentation of total rental cost and billing practices. \n\nI am requesting Citi properly review this dispute under billing misrepresentation rather than product dissatisfaction. \n\nI am also concerned Citi reversed the provisional credit without fully investigating my claims. \n\nI am requesting : Proper dispute reconsideration Review of merchant billing practices Confirmation proper dispute procedures were followed XXXX XXXX","date_sent_to_company":"2026-03-16T17:41:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"121XX","tags":null,"has_narrative":true,"complaint_id":"20301608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-03-16T17:31:37.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["I am requesting Citi properly review this dispute under <em>billing</em> misrepresentation rather than product dissatisfaction. \n\nI am also concerned Citi reversed the provisional credit without fully <em>investigating</em> my claims. \n\nI am requesting : Proper dispute reconsideration Review of merchant <em>billing</em> <em>practices</em> Confirmation proper dispute procedures were followed <em>XXXX</em> <em>XXXX</em>"]},"sort":[11.61598,"20301608"]},{"_index":"complaint-public-v1","_id":"6203251","_score":11.581593,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XXXX of this year I got a bill from XXXX XXXX XXXX for a past due account that was not mine. I called the customer service phone number on the bill and requested to speak with a supervisor on all three attempts at various times between XX/XX/2022 and XX/XX/2022 to advise of this fraudulent account in my name. \n\nUpon speaking to someone of an XXXXXXXX XXXX on all 3 attempts who on each separate call all confirmed themselves to be a mangers at XXXX XXXX XXXX. I repeatedly, on all 3 calls insisted the account that I was being billed for was not mine. I explained that my mobile service for the last 6 years has been through XXXX and with XXXX prior to that time frame. I also advised that my current internet and cable service is with XXXX XXXX and prior to that XXXX XXXX. Upon explaining this, at no time was any of the managers I spoke with able to find the source of the account. They repeatedly on each call transferred me to other departments in hopes someone else could find the account, which each transfer gave as little insight as the previous. No one at XXXX XXXX XXXX ever could confirm the source or service on the account. This made it impossible to address with XXXX XXXX XXXX so how is XXXX XXXX XXXX now able to just randomly report a fraudulent account from a company who could not explain the service or time frame of service being billed. \n\nXXXX XXXX XXXX and XXXX XXXX XXXX are both culpable parties in the perpetuation of the fraud. I was repeatedly asked by each XXXX XXXX XXXX manager if I knew what the service being billed was for, this is problematic! If XXXX XXXX XXXX was billing me and the company itself had no knowledge or record of the service account why has this fraudulent account been sent to collections with a third party that I have no affiliation, no signed contract, and no service agreement with either? An investigation of the business practices of both XXXX XXXX XXXX and XXXX XXXX XXXX is warranted here. \n\nThe fraud that continues to persist with companies selling these account to third party collections agencies and not even investigating when fraud has been indicated.This clearly appears prevalent that the crime of fraudulent and deceptive business practices of XXXX XXXX XXXX and XXXX XXXX XXXX is a normal business practice. Neither of these companies are practicing fair business standards and I want their business practices of knowingly reporting fraudulent accounts to be investigated Immediately.","date_sent_to_company":"2022-11-14T12:52:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"6203251","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-14T11:54:04.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Neither of these companies are <em>practicing</em> fair business standards and I want their business <em>practices</em> of knowingly reporting fraudulent accounts to be <em>investigated</em> Immediately."]},"sort":[11.581593,"6203251"]},{"_index":"complaint-public-v1","_id":"3253335","_score":11.5652685,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was a patient at a medical XXXX practice.I had XXXX  tests done resulting in {$1600.00} bill. An agreement between the medical practice and myself was reached to pay in monthly installments. many months passed and all bills were paid on time. The Doctors of the medical practice decided to dissolve the practice. They decided to sell all accounts receivable to a debt collection company, thus giving them immediate cash, my remaining debt was {$370.00}, I was notified that another agency would be taking my monthly payments. I was not informed that this would effect my credit score. It shows up in the credit bureaus as \" a bill gone to collection '' sending my credit score from XXXX to XXXX this resulted in me being denied refinancing on my home the cancellation of a credit card which has resulted in many other hardships. I have tried to resolve this with the medical practice, but there records dept is an answering machine with a full mail box. the credit bureaus are now investigating this issue. The credit bureaus are the ones that told me this would come under \" unfair practices '' and report it to the FTC, thus this complaint.","date_sent_to_company":"2019-05-24T22:45:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"064XX","tags":"Older American","has_narrative":true,"complaint_id":"3253335","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-05-24T21:36:00.000Z","state":"CT","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I was a patient at a medical <em>XXXX</em> <em>practice</em>.I had <em>XXXX</em>  tests done resulting in {$1600.00} <em>bill</em>. An agreement between the medical <em>practice</em> and myself was reached to pay in monthly installments. many months passed and all <em>bills</em> were paid on time. The Doctors of the medical <em>practice</em> decided to dissolve the <em>practice</em>."]},"sort":[11.5652685,"3253335"]},{"_index":"complaint-public-v1","_id":"19128466","_score":11.496362,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, Comenity Bank added {$410.00} in interest to my Dell Financial Services account. This interest should not have occurred and is the result of improper billing practices.\n\nThe interest was assessed without lawful basis, including but not limited to : Interest being charged during an account servicing failure Improper application of payments and/or retroactive interest practices Failure to suspend interest while account issues were pending On XX/XX/XXXX, I contacted Comenity Bank by phone to dispute this interest charge. The Comenity representative stated clearly that Comenity Bank would not do anything to fix the issue, refused corrective action, and provided no meaningful investigation or written explanation. \n\nComenity Bank has : Failed to conduct a reasonable billing error investigation Failed to provide a full accounting supporting the {$410.00} interest charge Failed to suspend interest pending review Failed to provide any dispute resolution mechanism beyond dismissal This single interest charge represents an extraordinary and disproportionate amount relative to the credit line, and reflects either systemic billing errors or abusive interest practices, not normal account activity. \n\nI am requesting : Immediate removal of the {$410.00} interest charge A full itemized accounting of how interest was calculated ( daily balance, APR, fee application, and dispute dates ) Written confirmation that interest accrual has been suspended during investigation Assurance that no negative credit reporting has occurred or will occur related to this disputed amount Comenity Banks refusal to correct or even investigate this charge demonstrates a pattern of unfair and deceptive servicing practices that warrant CFPB review.","date_sent_to_company":"2026-01-30T12:42:02.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"30907","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"19128466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2026-01-30T12:21:32.000Z","state":"GA","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, Comenity Bank added {$410.00} in interest to my Dell Financial Services account. This interest should not have occurred and is the result of improper <em>billing</em> <em>practices</em>."]},"sort":[11.496362,"19128466"]},{"_index":"complaint-public-v1","_id":"19270577","_score":11.474616,"_source":{"product":"Debt collection","complaint_what_happened":"I received an unsolicited text message from RMP Services LLC that included a photo of a medical billing statement containing my full name, home address, medical provider ( XXXX XXXX XXXX XXXX XXXX ), date of service, and alleged balance. \n\nThe collector did not know whether this was the correct phone number. This means my private medical billing information was disclosed to an unverified number, which could have been a third party.\n\nI never consented to receive medical billing information by text message, and the disclosure of this information to an unverified phone number is a serious privacy violation and potentially a violation of the Fair Debt Collection Practices Act ( FDCPA ).\n\nI am requesting that the CFPB investigate improper third-party disclosure, unsafe handling of sensitive personal/medical billing information, and inappropriate collection practices.","date_sent_to_company":"2026-02-05T14:22:35.000Z","issue":"Electronic communications","sub_product":"Medical debt","zip_code":"500XX","tags":null,"has_narrative":true,"complaint_id":"19270577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Management Partners, LLC","date_received":"2026-02-05T14:13:41.000Z","state":"IA","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["I never consented to receive medical <em>billing</em> information by text message, and the disclosure of this information to an unverified phone number is a serious privacy violation and potentially a violation of the Fair Debt Collection <em>Practices</em> Act ( FDCPA ).\n\nI am requesting that the CFPB <em>investigate</em> improper third-party disclosure, unsafe handling of sensitive personal/medical <em>billing</em> information, and inappropriate collection <em>practices</em>."]},"sort":[11.474616,"19270577"]},{"_index":"complaint-public-v1","_id":"2689704","_score":11.426372,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"i had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. \nMy dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. \nMy dispute with XXXX was denied. The collection was determined valid, and updated immediately. \nInconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care.\nThe balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied.\nState and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency.\nIts incomprehensible that XXXX refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. \ni am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by XXXX bad faith conduct and violation of my consumer rights. \nit 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by XXXX to validate the inauthenticity.. why? \nWhat can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did XXXX obtain to validate an illegal collection. \nAnd I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? \ni need XXXX to explain their investigation and determination of validity. \ni need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud","date_sent_to_company":"2017-10-01T21:01:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"087XX","tags":null,"has_narrative":true,"complaint_id":"2689704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Commonwealth Financial Systems, Inc.","date_received":"2017-10-01T21:01:14.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["What information did <em>XXXX</em> obtain to validate an illegal collection. \nAnd I still need an actual <em>bill</em>. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending <em>bills</em>? \ni need <em>XXXX</em> to explain their <em>investigation</em> and determination of validity. \ni need a <em>bill</em> for these alleged charges, which <em>XXXX</em> required me to obtain because they want to formally <em>investigate</em> and fine the practitioner for prohibited <em>billing</em> <em>practices</em> and fraud"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.426372,"2689704"]},{"_index":"complaint-public-v1","_id":"9908914","_score":11.37422,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"What Happened : On XX/XX/XXXX, I sent a negotiable instrument in the amount of {$1500.00} to Discover Bank via registered mail ( Tracking Number : XXXX ). The payment was confirmed as delivered by the United States Postal Service ( XXXX ) on XX/XX/XXXX. Despite this confirmation, Discover Bank has failed to credit the negotiable instrument to my account. \n\nI have contacted Discover Banks customer service multiple times, providing them with the registered mail tracking number and proof of delivery. However, the representatives have repeatedly informed me that they have not received the payment and have refused to investigate the issue further. They have also declined my request to place the account into billing error status, as required under the XXXX XXXX Billing Act ( XXXX XXXX. XXXX ). \n\nInstead of addressing the issue, Discover Bank has suggested that I send additional payments. Furthermore, they are now attempting to mark my account as late, despite the fact that I made my payment on time and have proof of delivery. \n\nViolations of XXXX XXXX : XXXX. XXXX XXXX Billing Act ( XXXX XXXX. XXXX ) : Under the Fair Credit Billing Act, Discover Bank is required to investigate billing errors, including issues related to payments that have been sent but not credited. By refusing to investigate and suggesting that I make an additional payment instead, Discover may be in violation of the XXXX. \nThe XXXX mandates that when a billing error is reported, the creditor must place the account in billing error status while the matter is investigated. Discover Banks refusal to do so is a violation of this requirement. \nXXXX. Truth in Lending Act ( Regulation Z, XXXX CFR Part XXXX ) : Regulation Z requires creditors to apply payments promptly and correctly. Discovers failure to credit my payment, despite proof of delivery, and their subsequent attempt to mark my account as late, may violate this regulation. \nXXXX. Unfair and Deceptive Practices ( XXXX XXXX. XXXX ) : The Federal Trade Commission XXXX prohibits unfair or deceptive acts or practices in or affecting commerce. By refusing to credit my payment, refusing to place my account into billing error status, and suggesting I make additional payments, Discover may be engaging in unfair practices. \nXXXX. Equal Credit Opportunity Act ( XXXX XXXX. XXXX ) : If Discover Banks refusal to credit my payment or place my account in billing error status is based on an arbitrary or discriminatory reason, this could potentially violate the Equal Credit Opportunity Act. \nXXXX. XXXX XXXX ( XXXX XXXX. XXXX ( b ) and XXXX CFR XXXX ) : By refusing to process the negotiable instrument, Discover Bank may be in violation of federal securities laws, specifically concerning fraudulent practices in connection with the purchase or sale of securities. Misrepresenting the status or value of the negotiable instrument, or refusing to credit it as payment, could constitute securities fraud under the XXXX XXXX XXXX of XXXX.","date_sent_to_company":"2024-08-25T17:17:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33020","tags":null,"has_narrative":true,"complaint_id":"9908914","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-08-25T17:03:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Violations of <em>XXXX</em> <em>XXXX</em> : <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> <em>Billing</em> Act ( <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> ) : Under the Fair Credit <em>Billing</em> Act, Discover Bank is required to <em>investigate</em> <em>billing</em> errors, including issues related to payments that have been sent but not credited. By refusing to <em>investigate</em> and suggesting that I make an additional payment instead, Discover may be in violation of the <em>XXXX</em>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"]},"sort":[11.37422,"9908914"]},{"_index":"complaint-public-v1","_id":"2805771","_score":11.349964,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is regarding Real Time Resolutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This company is providing inaccurate and deceptive billing statements. Statements provided do not reflect previous months payment. Furthermore, the current payment is inaccurate as well. Request CFPB investigate the deceptive billing practices of Real Time Solutions.","date_sent_to_company":"2018-02-07T08:14:41.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"75052","tags":"Servicemember","has_narrative":true,"complaint_id":"2805771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Real Time Group, Inc.","date_received":"2018-02-07T03:00:08.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This complaint is regarding Real Time Resolutions , Inc. located at <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> TX <em>XXXX</em>. This company is providing inaccurate and deceptive <em>billing</em> statements. Statements provided do not reflect previous months payment. Furthermore, the current payment is inaccurate as well. Request CFPB <em>investigate</em> the deceptive <em>billing</em> <em>practices</em> of Real Time Solutions."]},"sort":[11.349964,"2805771"]},{"_index":"complaint-public-v1","_id":"2689702","_score":11.343022,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"i had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. \nMy dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. \nMy dispute with Experian was denied. The collection was determined valid, and updated immediately. \nInconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care. \nThe balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied. \nState and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency. \nIts incomprehensible that Experian refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. \ni am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by Experians bad faith conduct and violation of my consumer rights. \nit 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by Experian to validate the inauthenticity.. why? \nWhat can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did Experian obtain to validate an illegal collection. \nAnd I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? \ni need Experian to explain their investigation and determination of validity. \ni need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud","date_sent_to_company":"2017-10-01T21:01:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"087XX","tags":null,"has_narrative":true,"complaint_id":"2689702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-01T20:11:36.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["And I still need an actual <em>bill</em>. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending <em>bills</em>? \ni need Experian to explain their <em>investigation</em> and determination of validity. \ni need a <em>bill</em> for these alleged charges, which <em>XXXX</em> required me to obtain because they want to formally <em>investigate</em> and fine the practitioner for prohibited <em>billing</em> <em>practices</em> and fraud"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.343022,"2689702"]},{"_index":"complaint-public-v1","_id":"3497578","_score":11.320115,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint Against : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXAARGON Collection Agency ( XXXX XXXX XXXX XXXX ) Charges in DISPUTE : Annual Physical covered at 100 % under the XXXX XXXX XXXX XXXX XXXX Keeps billing me for covered service due to their billing system 's inability to code tests as preventive. \nHad more than 10 conversations with the billing department, Practice manager ( XXXX XXXX ), collections Agency ( to dispute charges BUT they keep calling ) ; ALL INVAIN. \n\nOn multiple occasions, I had conferenced the XXXX XXXX Billing and XXXX XXXX XXXX, and myself to resolve this issue. \n\nOn XX/XX/2019 I spoke AGAIN with XXXX XXXX who said that since they can not correct the billing issue she is going to write off the two amounts of {$23.00} ( doctor ) and {$98.00} ( Lab ). \n\nI have not had any confirmation to date and she is no longer taking my calls. I keep informing the collection agency that this debt is NOT MINE and they should send this dispute back to XXXX. They still keep calling me! \n\n\nThis predatory practice seem to be the norm at XXXX billing as I have gotten the same complaint for my mother and some friends. It appears that the actual practice has no control over the billing department and the billing department would rather harass the customer than fix their billing software. \n\nI am filling this complaint on principal. Please investigate.","date_sent_to_company":"2020-01-15T20:54:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"22003","tags":null,"has_narrative":true,"complaint_id":"3497578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aargon Agency, Inc.","date_received":"2020-01-15T19:42:49.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Please <em>investigate</em>."]},"sort":[11.320115,"3497578"]},{"_index":"complaint-public-v1","_id":"7467086","_score":11.319029,"_source":{"product":"Credit card","complaint_what_happened":"Negligence, poor billing practices, trick and device/scheme and or fraudulent billing I was a previous DMV investigator for the State of California and worked credit card fraud and was a member of the International Credit Card Fraud Investigators Association . \n\nHere, FNBO is violating the XXXX XXXX XXXX with XXXX XXXX. \nFNBO is under contract with XXXX XXXX XXXX as well. \n\nHere, FNBO under Credit Card # XXXX does not participate in the normal business practices of automatic and automated credit card payment system, thus this adds significate delay in processing payments as my banks have to send a \" Snail mail '' check to FNBO for processing. \n\nPlus, a memorandum by the XXXX stated last year, a significant delay with XXXX process of mail, whereas FNBO has not acknowledge in their payment processing. \n\nHerein lies the continued issue with FNBO, when a payment is submitted to my bank, XXXX XXXX, which is only a internet bank, they have to physically cut a check and mail to FNBO. \n\nFNBO inherently has a really poor performance record of clearing any check, takes over XXXX weeks an up to XXXX weeks to process and reflect on their end. \n\nThis is way over the time for processing in like kind commerce, thus here under trick and device, negligence, FNBO common violations are an attempt to delay payment, adding fees and charges to the consumer in violation of the XXXX XXXX master contract with banks and financial institution. \n\nThe way FNBO makes snail mail a process to pay, inherently makes this account subject to needless delay in processing. In addition, the XXXX XXXX XXXX a small city in XXXX, leads credence to questionable times, employees actually go to the XXXX XXXX XXXX pick up and process bills send to the entity. \n\nFNBO billing practices are subject to CFPB oversight, and we are alleging, negligence, trick and device and a scheme whereby they intentionally delay and charge customers fees and charges for delay in payments that is set up that way by FNBO. \n\nWe suggest CFPB conduct an audit of FNBO billing practices as this is not an isolated incident and a practice since I obtained this card a year ago, as they routinely take up to XXXX weeks or more to process mailed in payments.","date_sent_to_company":"2023-08-31T19:53:51.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"722XX","tags":null,"has_narrative":true,"complaint_id":"7467086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2023-08-29T14:59:30.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Negligence, poor <em>billing</em> <em>practices</em>, trick and device/scheme and or fraudulent <em>billing</em> I was a previous DMV <em>investigator</em> for the State of California and worked credit card fraud and was a member of the International Credit Card Fraud <em>Investigators</em> Association . \n\nHere, FNBO is violating the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> with <em>XXXX</em> <em>XXXX</em>. \nFNBO is under contract with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> as well."]},"sort":[11.319029,"7467086"]},{"_index":"complaint-public-v1","_id":"2014989","_score":11.317194,"_source":{"product":"Credit card","complaint_what_happened":"Bank of America presented me with an online bill showing XX/XX/2016 as a due date and new balance. I went into their system and placed a payment on my account. They claim that the payment was made in the previous billing cycle. The only thing is their system said I was due for XX/XX/2016, so I as a consumer did exactly as any consumer would do- pay the bill. They then sent me another bill showing a missed payment for XXXX XXXX. Perplexed by the new statement and the status I proceeded to call to further investigate and found they showed me due but said me paying that day was considered prior to cycle. I asked how could that be if I am seeing the amount and due date and a request for payment? I consider this a deceptive practice since they had issued the bill and had no disclaimer advising me of when and how they would post my payment if I paid on that day. As a consumer I find this practice is unfair and deceptive.","date_sent_to_company":"2016-07-15T15:48:52.000Z","issue":"Other","sub_product":null,"zip_code":"447XX","tags":null,"has_narrative":true,"complaint_id":"2014989","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-07-15T15:48:51.000Z","state":"OH","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":["Bank of America presented me with an online <em>bill</em> showing <em>XX/XX</em>/2016 as a due date and new balance. I went into their system and placed a payment on my account. They claim that the payment was made in the previous <em>billing</em> cycle. The only thing is their system said I was due for <em>XX/XX</em>/2016, so I as a consumer did exactly as any consumer would do- pay the <em>bill</em>. They then sent me another <em>bill</em> showing a missed payment for <em>XXXX</em> <em>XXXX</em>."]},"sort":[11.317194,"2014989"]},{"_index":"complaint-public-v1","_id":"14519833","_score":11.284087,"_source":{"product":"Credit card","complaint_what_happened":"Business Name : XXXX Credit Card XXXX Comenity Bank Account : XXXX Credit Card ending in XXXX Summary of Complaint : On XX/XX/XXXX, I paid my XXXX Credit Card ( issued by Comenity Bank ) account in full, reducing the balance to {$0.00}. Despite this, I received a new statement showing an interest charge of {$15.00}, billing me interest on what should be a XXXX balance. \n\nOn XX/XX/XXXX, I contacted XXXX Bank customer service to resolve the issue. \n\nAt approximately XXXX XXXX, I spoke with XXXX, who refused to give his position or escalate to a supervisor and then disconnected the call. \n\nAt XXXX XXXX, I spoke with XXXX ( ID XXXX ), who created a complaint record ( ID XXXX ) but could not provide me with a copy of the complaint. \n\n\nThis appears to be an improper finance charge after the balance was paid off in full. I believe this violates fair billing practices under the Fair Credit Billing Act ( FCBA ). I am requesting that the FTC investigate this practice, as I should not be billed interest on a XXXX balance. \n\n\n-- - Resolution sought : Removal of the {$15.00} interest charge Assurance that no further interest or fees will be charged on this paid-off account Review of Comenity Bank 's billing practices for compliance with the law.","date_sent_to_company":"2025-07-08T17:01:18.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"33186","tags":null,"has_narrative":true,"complaint_id":"14519833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-07-08T16:55:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["I am requesting that the FTC <em>investigate</em> this <em>practice</em>, as I should not be <em>billed</em> interest on a <em>XXXX</em> balance. \n\n\n-- - Resolution sought : Removal of the {$15.00} interest charge Assurance that no further interest or fees will be charged on this paid-off account Review of Comenity Bank 's <em>billing</em> <em>practices</em> for compliance with the law."]},"sort":[11.284087,"14519833"]},{"_index":"complaint-public-v1","_id":"1591491","_score":11.278613,"_source":{"product":"Credit card","complaint_what_happened":"Re : Illegal credit card interest billing practices at Bank of America , N.A . \nTo The Comptroller : On my XXXX XXXX, 2015 billing statement, I had an active dispute in process for {$340.00}. With the exception of this dispute, I had paid my previous month 's statement in full through Bank of America 's auto debit program. \nBank of America illegally charged me a minimum interest charge of {$1.00} on the active dispute amount. They have since agreed to rescind the charge. \nI am writing to bring your attention to the illegal interest billing practices actively in Bank of America 's billing system. \nI am certain that numerous Bank of America customers have been illegally charged interest amounts on active dispute amounts. Bank of America should be investigated fully for this billing issue and prosecuted to the fullest extent of the law by the OCC and CFPB. \n\nRegards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX","date_sent_to_company":"2015-10-03T09:57:05.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"10011","tags":null,"has_narrative":true,"complaint_id":"1591491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-10-03T09:57:04.000Z","state":"NY","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to bring your attention to the illegal interest <em>billing</em> <em>practices</em> actively in Bank of America 's <em>billing</em> system. \nI am certain that numerous Bank of America customers have been illegally charged interest amounts on active dispute amounts. Bank of America should be <em>investigated</em> fully for this <em>billing</em> issue and prosecuted to the fullest extent of the law by the OCC and CFPB. \n\nRegards, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, NY <em>XXXX</em> ( <em>XXXX</em> ) <em>XXXX</em>"],"issue":["<em>Billing</em> disputes"]},"sort":[11.278613,"1591491"]},{"_index":"complaint-public-v1","_id":"4975469","_score":11.230246,"_source":{"product":"Mortgage","complaint_what_happened":"ITS GOING ON XXXX YEARS SINCE DOVENMUEHLE MORTGAGE, THE LOAN SERVICER, CONTINUES TO TRY AND DEFAULT OUR MORTGAGE ACCOUNT IN ORDER TO FORCE US IN TO FORECLOSURE AND STEAL PROPERTY AND EQUITIES AS BANKS DO TO HOMEOWNERS. THERE LATEST SCAM RECENTLY OCCUR THIS MONTH, WE RECEIVED A MORTGAGE BILL WITH AN INCREASE OF {$530.00}, WHEN NO MONEY IS OWED TO THIS SERVICER ON ESCROW PAYMENTS. AS WE HAVE NEVER MISSED A SUNGLE MORTGAGE PAYMENT IN XXXX YEARS, AND NOW THEY CONTINUE TO TRY AND FORCE A DEFAULT. LAST YEAR THEY TRYED TOO INCREASE THE PAYMENT TO ALMOST {$5000.00} PER MONTH. THIS LOAN SERVICERS ARE CROOKS AND SCAMMERS AND SHOULD BE INVESTIGATED FOR THERE PRACTICES UNLAWFUL PRACTICES. WE PAY OUT MORTGAGE BILL MONTHLY. PAY OUR TAXES YEARLY DIRECT AND OUR HOMEOWNER INSURANCE. WANT THIS LOAN SERVICER FULLY INVESTIGATED AND FINED.","date_sent_to_company":"2021-12-04T18:46:24.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"33463","tags":null,"has_narrative":true,"complaint_id":"4975469","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dovenmuehle Mortgage, Inc.","date_received":"2021-12-04T18:33:27.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["THIS LOAN SERVICERS ARE CROOKS AND SCAMMERS AND SHOULD BE <em>INVESTIGATED</em> FOR THERE <em>PRACTICES</em> UNLAWFUL <em>PRACTICES</em>. WE PAY OUT MORTGAGE <em>BILL</em> MONTHLY. PAY OUR TAXES YEARLY DIRECT AND OUR HOMEOWNER INSURANCE. WANT THIS LOAN SERVICER FULLY <em>INVESTIGATED</em> AND FINED."]},"sort":[11.230246,"4975469"]},{"_index":"complaint-public-v1","_id":"8530359","_score":11.229708,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Complaint Regarding Persistent Billing Issues with XXXX XXXX XXXX  - XXXX XXXX To Whom It May Concern, I am XXXX XXXX, and I am writing to file a formal complaint regarding ongoing billing discrepancies with XXXX my payment processor. Despite multiple assurances from representatives regarding billing timelines and plan details, I have encountered consistent issues with unexpected charges and unclear billing practices. \n\nUpon upgrading my device, a representative assured me that I would not be charged until after a 40-day period. However, just one week later, I received an email demanding payment of {$150.00}, which was unexpected and contradictory to the initial agreement. Upon inquiry, I was informed of an additional {$170.00} owed, purportedly for a \" register plan '' that I had not agreed to nor been adequately informed about. \n\nThis is not an isolated incident. I have previously experienced similar problems with XXXX, including being billed for services that were supposed to be included in a XXXX plan and being falsely accused of non-payment for hardware that I had already paid for. Despite providing evidence of payments and resolving these issues with helpful representatives, I continue to face billing discrepancies and confusion. \n\nFurthermore, I have been unjustly sent to collections without prior notification or clarity on the amounts owed. I have never received any communication regarding the expected charges or when they would occur. Instead, I only receive notices when I am already in collections, creating unnecessary stress and frustration. \n\nIn my recent interactions with XXXX representatives, I have learned that my plan with XXXX was not supposed to commence until XX/XX/XXXX, yet I have already been billed well in advance of this date, totaling over {$300.00}. Despite making payments, the billing irregularities persist, leaving me with mounting concerns about XXXX 's billing practices and the legitimacy of the charges. \n\nThese inconsistent billing practices and lack of transparency are unacceptable. I have diligently documented all communications and evidence of payments to facilitate resolution, but the recurring nature of these issues indicates systemic problems within XXXX 's billing department. As a consumer, I expect fair treatment and clear communication regarding financial matters. \n\nI kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX rectifies these billing issues and implements measures to prevent similar incidents in the future. I appreciate your attention to this matter and look forward to a prompt resolution. \nI hope for a swift resolution and refund, along with a thorough investigation into XXXX 's practices by the appropriate authorities. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-03-12T19:46:30.000Z","issue":"Confusing or missing disclosures","sub_product":"Virtual currency","zip_code":"233XX","tags":null,"has_narrative":true,"complaint_id":"8530359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2024-03-12T19:21:05.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Complaint Regarding Persistent <em>Billing</em> Issues with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  - <em>XXXX</em> <em>XXXX</em> To Whom It May Concern, I am <em>XXXX</em> <em>XXXX</em>, and I am writing to file a formal complaint regarding ongoing <em>billing</em> discrepancies with <em>XXXX</em> my payment processor. Despite multiple assurances from representatives regarding <em>billing</em> timelines and plan details, I have encountered consistent issues with unexpected charges and unclear <em>billing</em> <em>practices</em>."]},"sort":[11.229708,"8530359"]},{"_index":"complaint-public-v1","_id":"8530620","_score":11.220564,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Complaint Against QuestDiagnostics for Improper Billing Practices and Violation of Dispute Resolution Protocols To Whom It May Concern, I am submitting this complaint regarding unresolved and disputed billing practices by XXXX further exacerbated by their actions that contravene XXXX state law concerning debt collection for disputed charges. \n\nMy insurance provider, XXXX XXXX XXXX XXXX XXXX XXXX ( BCBS of MA ), has confirmed on several occasions ( in excess of XXXX communications ) that I am responsible solely for a co-payment for the medical service rendered. Upon examining the charges issued by XXXX, it was revealed that they had repeatedly billed for the same diagnostic test, a practice explicitly prohibited under my agreement with XXXX of XXXX XXXX of XXXX has addressed this by providing XXXX with a detailed explanation of my benefits, highlighting the policy against such redundant charges, and has formally disputed these erroneous charges on my behalf. \n\nDespite my willingness to settle legitimate financial obligations, including the agreed-upon co-payment for the disputed services rendered on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX has not corrected these billing inaccuracies. Instead, XXXX escalated these disputed claims to a collections agency, Credit Collection Services ( CCS ), a clear violation of XXXX  state law regarding the collection of disputed debts. According to CCS representative XXXX XXXX, collections requests were received on XX/XX/XXXX, for the XXXX service, and on XX/XX/XXXX, for the XXXX service, all subsequent to my dispute filings. \n\nThis complaint requests the CFPB 's intervention to : Halt further collection actions by XXXX and CCS until the disputed billing errors are rectified. \nInvestigate the billing and debt collection practices of XXXX, particularly their non-compliance with dispute resolution protocols and state laws. \n\nI am prepared to provide further documentation and details as required. Your attention to this matter is greatly appreciated, as it not only affects my financial standing but also raises concerns about the integrity of billing practices and consumer rights protection.","date_sent_to_company":"2024-03-12T18:12:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"02138","tags":null,"has_narrative":true,"complaint_id":"8530620","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2024-03-12T17:59:15.000Z","state":"MA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["According to CCS representative <em>XXXX</em> <em>XXXX</em>, collections requests were received on XX/XX/<em>XXXX</em>, for the <em>XXXX</em> service, and on XX/XX/<em>XXXX</em>, for the <em>XXXX</em> service, all subsequent to my dispute filings. \n\nThis complaint requests the CFPB 's intervention to : Halt further collection actions by <em>XXXX</em> and CCS until the disputed <em>billing</em> errors are rectified. \n<em>Investigate</em> the <em>billing</em> and debt collection <em>practices</em> of <em>XXXX</em>, particularly their non-compliance with dispute resolution protocols and state laws."]},"sort":[11.220564,"8530620"]},{"_index":"complaint-public-v1","_id":"3056353","_score":11.204394,"_source":{"product":"Debt collection","complaint_what_happened":"Medical bill that was paid by insurance company was obtained by JEFFREY LERMAN XXXX XXXX XXXX license # XXXX and he attempted to collect on a bill from XXXX XXXX that was paid by my insurance company, XXXX. Imagine if I had not been an educated, English-speaking person able to handle this? This is despicable behavior - it is billing fraud which is a felony. Shame on this guy!!! I am reporting him to every city, state and federal agency able to investigate this illegal and dishonest practice.","date_sent_to_company":"2018-10-25T15:42:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"10075","tags":null,"has_narrative":true,"complaint_id":"3056353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Jeffrey G. Lerman, P.C.","date_received":"2018-10-25T15:34:25.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Medical <em>bill</em> that was paid by insurance company was obtained by JEFFREY LERMAN <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> license # <em>XXXX</em> and he attempted to collect on a <em>bill</em> from <em>XXXX</em> <em>XXXX</em> that was paid by my insurance company, <em>XXXX</em>. Imagine if I had not been an educated, English-speaking person able to handle this? This is despicable behavior - it is <em>billing</em> fraud which is a felony. Shame on this guy!!! I am reporting him to every city, state and federal agency able to <em>investigate</em> this illegal and dishonest <em>practice</em>."]},"sort":[11.204394,"3056353"]},{"_index":"complaint-public-v1","_id":"21500129","_score":11.199818,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint regarding a medical debt that has been sent to collections under disputed and misleading circumstances. \n\nIn XX/XX/year>, I received vaccinations at a XXXX location and was explicitly told the services would be covered by my insurance ( XXXX ). I was not informed that receiving the vaccination through XXXX would be billed as a separate medical visit, nor was I given any notice of out-of-pocket costs. \n\nI later received a bill for {$570.00}, which has now been sent to collections. \n\nNotably, I received a second dose of the same vaccine at the XXXX XXXX  within the same location, which was properly covered by insurance. This demonstrates inconsistent billing practices for identical services in the same facility. \n\nI believe this constitutes a lack of transparency and potentially deceptive billing practices. \n\nI am requesting : * A full investigation into the billing practices * Removal or correction of the disputed charge * Immediate withdrawal of the account from collections * Assurance that this will not be reported negatively to any credit reporting agencies I have disputed this debt with XXXX and the collection agency and requested validation. \n\nThis issue has caused unnecessary stress and risk to my credit despite my good-faith effort to follow insurance guidance at the time of service.","date_sent_to_company":"2026-04-22T20:59:48.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"85737","tags":null,"has_narrative":true,"complaint_id":"21500129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2026-04-22T20:49:07.000Z","state":"AZ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Notably, I received a second dose of the same vaccine at the <em>XXXX</em> <em>XXXX</em>  within the same location, which was properly covered by insurance. This demonstrates inconsistent <em>billing</em> <em>practices</em> for identical services in the same facility. \n\nI believe this constitutes a lack of transparency and potentially deceptive <em>billing</em> <em>practices</em>."]},"sort":[11.199818,"21500129"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":11527,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":11527}]}},"product":{"doc_count":11527,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":5090,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5057},{"key":"Other personal consumer report","doc_count":33}]}},{"key":"Debt collection","doc_count":2269,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not 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