{"took":513,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":18,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1650572","_score":20.847248,"_source":{"product":"Payday loan","complaint_what_happened":"Hi I 've been getting calls from XXXX different companies stating i owe money from several payday loans i never even applied for. XXXX of them is highpoint assets XXXX thats their phone number. I spoke with them numerous times and told them that I never took out any loan of such kind. They stated it was XXXX different loans that round up too XXXX dollars. The agent told me what could i counter offer him and I was just in shock of what I had just found out. Never in my life have a ever taken out a payday loan and now 3 years later I get a phone call stating i took out XXXX payday loans from 2012. It just doesnt make sense to me. I told them to mail me a validation of debt letter, he said he could email it to me quicker, i said thats fine but i would still like to receive it by mail. Im still waiting on that. In the end i told them that i was going to the police to file an identity theft report because i know i never took out these loans. They said thats fine and to make sure to fax them the police report once its done. The second company that called me scared quite a bit. It was a guy named XXXX calling from XXXX XXXX XXXX. This guy was stating I took out XXXX different loans worth XXXX dollars and if i didnt take immediate action that i could be charged with bank fraud and have my drivers license suspended. He said that he could get rid XXXX of the loans and i would just have to pay XXXX dollars. I told him this is news too me, never in my life have i ever taken out a payday loan. I explained to him that i need this to be investigated because i know for a fact that someone has stolen my personal information. He said he would help with the investigation but that i would need to provide him with my debit card number that we could start our settlement and this wouldnt be taken to court. I feeling vulnerable and scared gave him my debit card number but after i did more info later that day i called my bank and had them cancel out my old card and supply me with a new one. I honestly dont know what to do. I know i never took out these loans. Should i file a police report for identity theft? Or should i just ignore these calls. I was stupid enough to give high point asset my current email and last XXXX of my social. I just want this to end. Its been an annoying month receiving calls from these people.","date_sent_to_company":"2015-11-16T14:42:42.000Z","issue":"Received a loan I didn't apply for","sub_product":null,"zip_code":"33015","tags":null,"has_narrative":true,"complaint_id":"1650572","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"High Point Asset Inc","date_received":"2015-11-11T16:47:15.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He said he would help with the <em>investigation</em> but that i would <em>need</em> to <em>provide</em> him with my <em>debit</em> <em>card</em> number that we <em>could</em> <em>start</em> our <em>settlement</em> and this wouldnt be taken to court. I feeling vulnerable and scared gave him my <em>debit</em> <em>card</em> number but after i did more info later that day i called my bank and had them cancel out my old <em>card</em> and supply me with a new one. I honestly dont know what to do. I know i never took out these loans. Should i file a police report for identity theft?"]},"sort":[20.847248,"1650572"]},{"_index":"complaint-public-v1","_id":"8741074","_score":17.077856,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"We had ordered a Tesla in XXXX of XXXX. We took delivery sooner than expected around XXXX, we weren't even supposed to take delivery until XXXX or XXXX of XXXX. First couple months of receiving the Tesla, we started noticing that payments weren't getting directly debited from our account, so we had contacted Tesla and let them know the issues. They said it was some issue with our car coming early not to worry about it. \n\nSo we kept our eyes the Tesla mobile app and nothing ever happened or did they start got debiting our account for are agreed on monthly payment plan, which we were directed it would show up on our Tesla mobile app and that they had my card information on file for direct debit. Around XXXX of XXXX my XXXX  and I had received a settlement and decided to pay off some back debt and Tesla was one we decided to payoff. We had went on the mobile app or maybe online to Tesla.com and paid off the Tesla, because we knew there was issues with their financing program and they weren't sending us monthly bills. So, we were getting very concerned and worried we had made multiple communications with Tesla, and nothing got resolved. No payment plan was set up per our contract agreement and no one debited our account. Like i stated we just decided to pay the vehicle off on XX/XX/XXXX. XXXX in the amount of {$35000.00} per Tesla. After XXXX XXXX hours, the mobile app uploaded in the Tesla dot com website updated removing our financing tool to where we weren't even allowed to make payments at that point and said loan paid off, awaiting title. So we awaited the title for almost XXXX to XXXX months, never received it. So I did call in to Tesla. They said there were some issues in the lean processing department. They were going to look into it and make a case number. They came back and said there was additional amounts owed. I asked him to show me proof in what was owed because we thought we had made all the payments, Then I even contacted Tesla, the dealership and they said I had a negative {$14000.00} credit on my account.. which was very confusing and I didn't understand how a lending process could be screwed up so bad. I've had Around 10 to 15 car loans in my life, and I've never once had such a headache trying to get my monthly payment to go through, which we agreed on per our contract, We were worried that the payments weren't getting made and you guys weren't taking them, so we had requested a final payoff. You guys have given us that and we have paid it in full. The car has now been traded in and a new owner has the Tesla and they're demanding the title from the XXXX dealership. We turned it in and we can't provide that to them because you guys are holding it XXXX for some. nonsense. We don't even know where it's stemming from. It all falls on Tesla 's financing department, not doing their job correctly, not setting up the payment amount which was listed on the legal loan contract correctly. It's for the simple fact I made a payment of {$35000.00} to pay off the full loan in XXXX. XXXX over this last week has now split that XXXX payment up into i guess my so called past due monthly payments, which we have never received a monthly bill or notice until last week XX/XX/XXXX. That is when they started emailing pretty much XXXX  us and also i see Tesla tried debiting an old business card i had on file and i got fraud alerts from my bank.\n\nThe sad thing is, is Tesla is a very big company. They were using XXXX XXXX XXXX  to do this loan. and they should have had us set up on a monthly payment plan from the get go, regardless if our car came delivered earlier. That's why we were so concerned and that's why we just requested a payoff which we verified with multiple sources from the mobile app, from Tesla .com and from an phone representative. \nNow we have since traded a vehicle to XXXX XXXX, I had made multiple phone calls. to XXXX I guess in a XXXX  XXXX that was working on my case. Symptoms screenshots he wanted of payments I've made complied with everything they've asked, I didn't hear back from XXXX for months. I called back. He said Oh my XXXX, I thought this was already resolved and you had your title already .... see it got moved to another department, let me get you over to them. So we got me transferred over to them. They said they were still researching it. I told them we are interested in buying a new vehicle and getting out of this Tesla. We need to get this car traded in would like to get this all resolved as soon as possible. They said there's no issues with the loan, we are still researching a couple items and you should have your title shortly. \nMy wife and I again waited months, no help from Tesla or response. So we traded a vehicle into XXXX XXXX. XXXX said they would deal with this and get it fixed with Tesla. Just on XX/XX/XXXX XXXX  XXXX representative XXXX XXXX had also went to directly to the Tesla dealership here in XXXX  XXXX, KS. And they did verify there was a {$14000.00} credit on my account and there was nothing owed on the account and to get a hold of XXXX XXXX to get the lien and title release. This is very frustrating because now they're claiming to get it reported to my credit, which I have a great credit score and never once been laid on a payment in my life. They had taken our final payoff quote and now started applying it to all the monthly payments, which is ridiculous because we never once received a monthly bill and our app never gave us an option to pay or else it would have been directly debited like it. been trying to do over these last couple weeks because we had a card on file. but it was a fraud alert because they tried so many at once the card started getting declined. They never had permission to run my card after the final payoff, and they never had permission to start debiting any of my accounts without speaking to me first period. This has been a issue and they have fraud issues that need to be investigated by the federal government at Tesla because this is not how auto lending should be taken and I shouldn't be getting hurt because they didn't do their job right and calculate the payments right indoor send me a monthly bill with my monthly payment. We agreed on through the contract. We thought we were being good consumers and were paying off the loan because you guys had issues with us receiving the car early in your financing team could never put together a monthly payment for us. So we thought we were being good people and come to find out we're now getting hurt from it because you guys did not get the loans set up right or miss something along the way. You can see in the documents below the payment was suppose to get debited starting XXXX of XXXX and they never started doing that and now have manipulated and have changed my final payoff payment to monthly payments. We as consumers are getting put into a hardship because of there bad accounting or lending practices which is completely unfair.","date_sent_to_company":"2024-04-10T13:17:14.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"66109","tags":null,"has_narrative":true,"complaint_id":"8741074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Tesla, Inc.","date_received":"2024-04-10T12:01:32.000Z","state":"KS","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["So we kept our eyes the Tesla mobile app and nothing ever happened or did they <em>start</em> got <em>debiting</em> our account for are agreed on monthly payment plan, which we were directed it would show up on our Tesla mobile app and that they had my <em>card</em> information on file for direct <em>debit</em>. Around XXXX of XXXX my XXXX  and I had received a <em>settlement</em> and decided to pay off some back debt and Tesla was one we decided to payoff."]},"sort":[17.077856,"8741074"]},{"_index":"complaint-public-v1","_id":"21644921","_score":14.309356,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX I was issued a credit card ( XXXX ) with Citibank. My statement payments for the cc were ( always ) made via XXXX from my Bank Account, w/ the XXXX amt. set to Min. Amt. Due. it's also important to note that I was enrolled in Paperless Statements, so all activity & verifications of account payments, etc. were done online. \n\nIn XX/XX/XXXX, my Min. Due amt. was paid via XXXX on XX/XX/XXXX, and then on XX/XX/XXXX I made an additional payment via a Balance Transfer to pay off the card 's full balance. \n-and this is where/when 1st proofs of wrongdoing by Citibank are seen , b/c although my XXXX amt. remained set to Min. Due, ( verifiable on my online account ), the amt. on my XXXX XXXX/Paper Statement for my next XXXX payment ( XX/XX/XXXX ) changes to match the XXXX statement 's full balance amt. \n\nBecause the change is w/o my auth., is not reflected on my online account, is only made on the XXXX/paper version of my XXXX card statement -when I'm enrolled in paperless statements, and is only shown on that pdf statement just by changing the dollar amt. in a one sentence XXXX reminder on the statement, nowhere else, AND the amt. is very little, just for new purchases in that statement period since I'd paid the card 's balance off in full, I do not catch it. \nWhich I believe is exactly as Citibank intended. They know I won't catch the unauthorized change to my XXXX amt. from Min. Due to Statement Bal. when my amt. due is {$0.00} or near to it, and the change is reflected nowhere except on the pdf/paper version of my statement in a small print autopay reminder sentence. \n\nI indeed do not catch the unauthorized change to my XXXX amt., and unknowingly pay XXXX Statement 's full amt. in XXXX, and XXXX Statement 's full amt. in XXXX. \n\nIn my XX/XX/XXXX statement period, ( on a {$0.00} previous balance ), I again start making significant purchases, and have a XXXX statement balance due in XXXX. \nWith my XXXX reset by Citibank w/o my auth . to Full Bal. Due, that XXXX amt. should've been automatically deducted from my bank acct. on XX/XX/XXXX, as my XXXX ( XXXX/paper ) statement stated it would, but it does not. \nNor does the Min. Amt. Due of {$340.00} as my online account settings dictate. \nInstead, an XXXX payment in the amt. of only {$100.00} is deducted from my bank account, and because the {$100.00} amt. is so small, I again do not notice. \n\nIf my account 's XXXX settings were set to pay my statements Min. Amt. Due., yet for the last 3 months Citibank 's been instead deducting my statements full bal. amt. via XXXX, how & why does a {$100.00} amt. get paid via AutoPay instead on a statement period where both the Min. and Full Bal. amts. due were more than?\n\nOnly Citibank can tell us how, but the why is clear. For Citibank to make money, my credit account must carry a balance. \n\nSo, in XXXX, when I pay my card off in full, and my acct. is no longer carrying a balance, XXXX rigged XXXX system, w/o my knowledge or auth., resets my XXXX from Min. Amt. Due to Full Bal., knowing I wont catch the change while my acct. has a $ XXXX-small bal. being paid in full, and waits for me to start using my credit line in a significant way again, and my account balance to once more become meaningful. \n\nIn XXXX, I do just that, and my account is once again carrying a XXXX balance due in XXXX. \nSo, on XX/XX/XXXX, XXXX statements payment date, XXXX XXXX system again, w/o my knowledge or auth., bypasses both my accounts Min. Due XXXX setting AND the Full Statement Bal. amt. theyve actually been deducting while my account balance has been insignificant/dormant, and purposefully deducts only a {$100.00} amt. instead as payment, -an amt. smaller than even my min. amt. due. \n\nXXXX XXXX system does this, and does it then b/c my acct. once again has a meaningful balance that Citibank can make money from. \nSo, my again sizable acct. bal. triggers XXXX rigged XXXX system into pivoting from paying my accounts full bal. to deducting a {$100.00} payment instead for 3 reasons : 1. If the ( now sizable again ) acct. bal. Is paid off in full, Citibank would continue to make {$0.00} off me/my acct.\n\n2. Citibank now needs the acct. to maintain its sizable balance over a statement period for interest & fees to apply & accrue. I would have noticed if the accts. high XXXX full balance had been drafted, and notified Citibank to correct the error immediately. A small, {$100.00} payment works to avoid my detection.\n\n3. Because that {$100.00} amt. is below the {$340.00} minimum requirement, Citibank can additionally charge a {$41.00} late fee, and my APR increases to a Penalty APR of 29.99 %. \n\nCome XXXX, I'm now unknowingly carrying a large balance plus interest, fees, and penalties on that balance, so XXXX XXXX system, again w/o my knowledge or auth., resets back to debiting my full statement amt., and debits {$9600.00} from my bank acct. on XX/XX/XXXX. \n\nThe near $ XXXX unauthorized debit empties & overdraws my bank account. \n\n( For the record, my accts. XXXX is set, and has always been set, to Min. Amt. Due. I have dated screenshots of my account settings, XXXX emails, and Citibank stating same on several recorded calls starting on XX/XX/XXXX as proof. ) XXXX XXXX on XX/XX/XXXX, I get a text from my bank notifying me of the withdrawal, and that my bank account is over-drafted thousands of dollars, so I call Citibank. \nThe Citibank rep I speak with can not provide information as to how debit of the erroneous XXXX amt. happened, but concedes to the mistake, and ensures the error will not happen again. The rep confirms my XXXX is indeed set to Min. Due., and the unauthorized debit amt. will be returned to my bank acct. in full, in 3-5 biz days. Additionally, since they took every XXXX I had with this fraudulent & unauthorized debit, my statement payment, due then, would be pushed to next months statement due date, and any late pay fees or addtl. interest would not be applied to my account. \n\nI then call my bank and relay the same. My bank says they will waive the monthly fee for not keeping a minimum balance amt., and the daily overdraft fees until the money is returned, but they will not pay/cover any other incoming debits that may process against the account, nor the NSF fees for same while awaiting Citibank to return the fraudulent withdrawal back to the account. \n\nOn XX/XX/XXXX Citibank returns the {$9600.00} unauthorized debit to my bank account. \nOn XX/XX/XXXX Citibank AGAIN debits the same {$9600.00} amt. from my bank acct. via XXXX and again overdrafts my bank account.\n\nI do the whole song & dance again, and call Citibank & then my bank.\n\nThis time Citibank tells me theyll reverse the debit immediately, so I should only have to wait 1-2 business days for the funds to again be returned to my account. They again tell me I will incur no fees for non-payment since I again have no money left to pay them or anyone with, and while on the phone with the Citibank rep instructing me, I cancel/turnOFF AutoPay, so Citibanks system can not continue to debit my statements full bal. or any amt. from my bank account. The Citibank rep. assures me XXXX is turned off on their end, and I receive an email from Citibank on XX/XX/XXXX confirming the cancellation of XXXX for my account. \n\nMy bank tells me they will flag any incoming drafts from Citi bank XXXX on my account as fraud. This is what they can do if I dont yet want to put a Stop Payment on my account for any incoming Citibank drafts. \n\nOn XX/XX/XXXX Citibank returns the {$9600.00} unauthorized debit to my bank account. \nOn XX/XX/XXXX I get a text from my bank saying a {$9600.00} amt. to Citibank XXXX wasnt paid b/c my acct. bal. was too low. \nSo, Citibank AGAIN attempted to debit the {$9600.00} amt. from my bank acct. via XXXX immediately after returning the same to the account. \n\nI again call Citibank. They say since the funds were not released, theres nothing they can do on there end, and again assure me XXXX is cancelled on my account. \n\nOn XX/XX/XXXX, at XXXX, I get a text from my bank notifying me that @ XXXX a Citi AutoPay transfer in the amt. of {$9600.00} was made, and my account bal was - {$8100.00} overdrawn.\n\nFOUR TIMES now. My AutoPay is OFF.\n\nThis time when I call, Citibank is not only NOT apologetic about their now 4xs in a row illegal draft of funds from my bank account, theyre aggressive and on the offense.\n\nThey do not offer to return the money they stole from me. Instead, they tell me that I will need to speak to their fraud dept. and request an investigation into the funds I claim are missing from my bank account. Citibanks fraud department tells me theyre opening an investigation into the matter, and I need to wait 1-2 weeks for an answer. IF they find the funds were indeed taken from my account by Citibank, they will return the full amt. then.\n\nI am livid. I log into my Citibank account and do a deep dive investigation on what & how this is happening. \nI find my XXXX settings are indeed OFF/cancelled, but under my Accounts, tab I see my bank account is still attached as an Active/Primary account. \nThat is how Citibank is still accessing my bank account. They are doing so with my XXXX settings OFF, and without authorization, but thats how theyre doing it. \nThey repeatedly told me there was no way for their system to access my account with XXXX off, but they were lying. \nI REMOVED my bank account, and I again checked that AutoPay was off. \nI never used my Citi XXXX again but had to keep the card account open so they could pay me back, and b/c I now had debt on it. \n\nI called my bank and paid a {$30.00} XXXX XXXX fee to stop any future payments to Citibank. \n\nIt took Citibank until mid XXXX to return my stolen money to me. \nBy then, the damage had been done. \nFor a month plus, my bank account was over-drafted. I bounced everything. \nWithout a dollar to my name, I lived off of my other credit cards completely. \nThe fees & debt racked up. \nBy the time Citibank paid me back, my debt was unmanageable. \nI moved all my credit card accounts to XXXX, a debt consolidator. \nI went from a PERFECT CREDIT SCORE and XXXX debt to + $ XXXX in credit card debt, which included Citibank. \n\nTo add insult to injury, Citibank did exactly what they assured me they would NOT do when they illegally took the funds from my account. \nThey charged me a {$30.00} fee for each & every time they illegally debited money from my bank account. \nOn top of that, they applied the Penalty APR of 29.99 % to my account starting in XXXX when their rigged XXXX system purposefully debited a {$100.00} payment on a {$340.00} required minimum due amount to start this whole XXXX scam rolling. \nThen, to really up the fraud & criminality ante, on my XXXX XXXX, they made the {$9600.00} payment amt. they stole and returned to me 4xs in a row, a Purchase and then charged the 29.99 % Penalty Interest on that purchase amt! \n\nThou I stopped using the card in XXXX, in XXXX. I paid {$600.00} to Citibank towards the debt. Thats all I could afford. My minimum amt due was {$540.00}. \n\nIn XXXX as payment I redeemed all the remaining points on the card as a {$200.00} Statement Credit.\n\nThat was my last payment. \n\nFrom XXXX thru XXXX of XXXX, when I moved all my credit cards into credit debt consolidation, Citibank called me relentlessly asking for payment. \nI told them over & over again, what theyd done & why I could no longer pay. The calls kept coming. \nI finally told Citibank that I had moved the card to a debt consolidator who would be in contact to negotiate a payment plan. \n\nFor 2 years now Ive been paying roughly {$800.00} a month to XXXX towards my credit debt. \n\nOn XX/XX/XXXX of this year, Citibank N.A. filed a lawsuit against me in New York Supreme Court for {$11000.00}.\n\nI found out about the lawsuit from law firm solicitations in my mail seeking to represent me against Citibank. \nI called my credit consolidator XXXX & informed them of same. \nI asked them to contact Citibank to negotiate a settlement amount. \nCitibank/Citibanks attorneys : XXXX XXXX XXXX XXXX XXXX, will not respond to our repeated attempts to settle the debt. \nSo, on XX/XX/XXXX, I filed an Answer and Counterclaim to Citibanks Summons.","date_sent_to_company":"2026-04-27T22:19:03.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11201","tags":null,"has_narrative":true,"complaint_id":"21644921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-27T22:08:00.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company forcing arbitration"},"highlight":{"complaint_what_happened":["Instead, they tell me that I will <em>need</em> to speak to their fraud dept. and request an <em>investigation</em> into the funds I claim are missing from my bank account. Citibanks fraud department tells me theyre opening an <em>investigation</em> into the matter, and I <em>need</em> to wait 1-2 weeks for an answer. IF they find the funds were indeed taken from my account by Citibank, they will return the full amt. then.\n\nI am livid."],"product":["Credit <em>card</em>"],"sub_product":["General-purpose credit <em>card</em> or charge <em>card</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Credit <em>card</em> company forcing arbitration"]},"sort":[14.309356,"21644921"]},{"_index":"complaint-public-v1","_id":"10386882","_score":12.142633,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had some questionable withdrawals from my checking account. I contacted Synovus Customer Service to ask about those transactions. The representative opened a dispute and said they would give me a provisional credit in a couple of days while they researched. I said that was fine, and she asked if there was anything else she could help me with. I said I see transactions in previous months ; should I question those, too? She told me to print off my statements with the transactions and go into a branch, and the customer representative would be more than happy to help me. So I did just that.I printed off all my statements ( Im a single dad ; I adopted my child XXXX years ago, and he is now XXXX, so to be completely transparent, I never look at my statements. I look at the balance and say that's probably right. My child is at XXXX XXXX ; he is notorious for throwing his lunch in the trash and charging another to me ) I printed the statements, highlighted transactions that seemed to be questionable, and headed to Synovus on XXXX XXXX here in XXXX. I walked in, XXXX XXXX greeted me, told her what I had discovered, and told her what I had been told to do. She looked into my account and said that those are preauthorized withdrawals, so we need to place a no debit on that account and open a new account so you can continue to bank. I said, Okay, lets do it. She opened a new account, and we transferred money over into the account. Then, we proceeded to look over the statements. She explained that the bank usually goes back 60 days ; however, since the customer service rep told me to go in and talk to her, she would submit transactions from XX/XX/XXXX, to XX/XX/XXXX. She explained that the phone representative I spoke to filed disputes from XX/XX/XXXX, to XX/XX/XXXX. When I finished with XXXX XXXX, she said I'd call you if I had any questions ( this was a Thursday ). I hadnt heard from her, so I assumed everything was okay. Well, the following Thursday, I picked my child up from XXXX XXXX. When we were heading home, I told him I wanted to stop at the bank to see XXXX since Id not heard a word. I stopped in and talked to XXXX ; all was good ; she had my statements on her desk. \n\nThat night, I was speaking to a friend whose husband is an XXXX XXXX at Synovus ( XXXX XXXX ). I told her what I had discovered, and she mentioned it to XXXX. I explained everything, and the next day ( Friday ), I got a call from XXXX XXXX ( XXXX XXXX ). She apologized profusely and said XXXX had made a mistake and she would correct the error and get my situation handled. The following Monday, XXXX called me and told me it looked like XXXX XXXX XXXX transactions with XXXX XXXX and XXXX XXXX XXXX. I stated I had no idea about those banks, so she sent me a printout and a form to sign. I reviewed the list, said I didnt recognize those transactions, signed it, and emailed it back to her. I started seeing provisional credits going into the old account. I emailed her and told her there was no debit on the account and that it should be moved to the new account. She said ok and moved some money ( {$12000.00} ) into the new account. About a week passed, and I called her to ask her some questions, but she never returned my phone calls. ( I discovered that transactions started happening when I moved last XX/XX/XXXX ) I printed those statements off and wrote a note explaining that my routing and account numbers must have been hacked last XXXX when I submitted my change of address online. It was Friday night, so I placed the note and the statements in the night deposit and drove back home. I called and left her a message on Monday but have not heard back. I called on Tuesday, and she didnt answer, but she emailed me and said she would forward those on to be processed. All the transactions were the same. Several days passed, and I was leaving messages and sending emails, yet there was no response. So I said in XXXX of my emails that the customer service was terrible at the branch. I followed the procedures that I was following. I was told to follow up, and why did it take so long to investigate those transactions? I asked if it took that long to process the transactions when they covered up the fraud between a former employee, the president of the branch, and the Korean accounts she was dipping into. \n\nWell, that sparked a spiral of what I would call retaliation like no other. They went to my friend 's husband and interrogated him to see if he had told his wife about the former employee 's coverup. He didnt, which I heard months ago. The next thing I knew, I got an email that all my accounts had been locked down ( XXXX savings, XXXX checking, XXXX money market ) because there had been too many attempts to access the account online. I hadnt tried to access the account, so I thought, oh XXXX, someone is hacking into my accounts again. I sent a message to XXXX XXXX again to let her know what was going XXXX never called back, etc. I then get a notification that XXXX dollars have overdrawn my account ( the old XXXX ). YIKES! \n\nI called customer service, and they told me they would close my accounts and didnt need someone who didnt look at their statements as a customer. *My grandparents have been at that bank XXXX all its transformations and name changes for XXXX years, and my mother had been there for XXXX years, so this was ridiculous. I followed the protocol and reported the issues as soon as I discovered them. The representative told me she would get back to me. NO WORD..Out of the blue, I got a call from XXXX, who XXXX researching my transactions, and she said that I participated in the transactions. I said that was not true, that I had been refunded XXXX days of transactions, and that they were all the same, so why would they pay those and not the other from XX/XX/XXXX to XX/XX/XXXX? He could not give me an answer. He told me that I could talk to his boss, XXXX. I called XXXX 4 times over a week, and all the while, all my accounts were still locked down, and I never got a callback. I had a terrible experience with an accountant, so the information would have helped me track it down. \n\nFinally, I got a call back from XXXX. When I asked to provide the information, he told me he didn't have to give it to me and that I would be getting a settlement from XXXX Attorney XXXX XXXX XXXX, who said if I signed the agreement and never spoke a word of the former employee 's coverup to anyone, they would give me the {$12000.00} back. So they gave me the credits, took them away, and told me I would get the credits back if I signed the settlement agreement ; if not, they would turn it over to a collection agency. They proceeded to lock down my mothers account *because I was a signer ''. XXXX XXXX and wanted my brothers and me to be signers on her account. She found out that because we went to the grocery store, and her card was declined ( this was a Saturday ), I called XXXX and left her a message letting her know that I would not tolerate her BS and that they better unlock my mother 's account. My accounts and Moms were separate. That Monday rolled around, and Moms accounts were still locked down. I sent a message to XXXX XXXX, the branch XXXX, and told him about the incompetence of his staff. After XXXX hours, they unlocked moms accounts, and there has never been an apology, kiss my XXXX, nothing. My accounts are still locked down. There has been no communication, letter explaining, etc. My accounts have been locked down since the middle of XXXX. My life and son 's insurance were canceled because they were automatically drafted from the account. I had my car insurance want to cancel because of the auto draft from the old account, etc. My credit cards that are on auto-pay were refused, etc. Never another word, NOTHING, except I needed to sign the settlement. \n\nThis has caused undue stress on me, my mother, and my finances. I even have a police report about the transactions that I disputed. \n\nI keep everything, so I have everything Ive said in emails and conversations with the Synovus attorney, XXXX XXXX XXXX. I even contacted the CEO, XXXX XXXX, who eventually emailed me back to tell me he was in XXXX for a convention and that I would hear something from his team. \n\nIts not about the transactions as much as the bank trying to strong-arm me into something that has been going on for three or more months without anything ever being said except to sign the settlement. Synovus seems to take pride in its reputation. The branch covered several issues with the former XXXX XXXX and his infidelities with a former bank employee. All the bank executives know about the coverup. The undue stress this has caused my finances is overwhelming, demeaning, and unfair. Just the fact that a settlement was offered speaks volumes on the level of dirty Synovus wants to play.","date_sent_to_company":"2024-10-08T03:26:51.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"30240","tags":null,"has_narrative":true,"complaint_id":"10386882","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2024-10-08T02:42:47.000Z","state":"GA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I <em>started</em> seeing provisional credits going into the old account. I emailed her and told her there was no <em>debit</em> on the account and that it should be moved to the new account. She said ok and moved some money ( {$12000.00} ) into the new account."]},"sort":[12.142633,"10386882"]},{"_index":"complaint-public-v1","_id":"4111461","_score":12.10137,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened two REG-Z complaints in early XXXX with Wells Fargo and with CFPB. Both complaints were closed, without me being allowed to provide detail of REG-E violations ; or without even the labeling of my complaint as REG-E. OCC stated to me this week that I should ask CFPB to open a second complaint on the same UNAUTHORIZED TRANSACTION as a REG-E complaint ( consumer debit card ) and ask for an immedaite provisional credit of the {$2600.00} back into my account, as a pandemic hardship. I am also recovering from serious XXXX illness & symptoms. \n________________ 1. REG-E VIOLATIONS : WELLS FARGO BANK SUMMARY OF REG-E VIOLATIONS A. Wells Fargo put through an UNAUTHORIZED TRANSACTION of {$2600.00} on a closed debit card that cleared my account XX/XX/XXXX, over-drafting it, dislodging other legitimate charges pending, and damaging my credit score just as I was about to initiate a US Federal TSC-poly clearance. This was also an extreme financial hardship for me, costing me housing I was about to move back into from quarantine, after having caught XXXX at the vendor involved ; and then XXXX XXXX, and then XXXX XXXX and XXXX impact. \nB. Wells Fargo closed my claim wrongfully in 1 day, without investigating REG-E violations by itself or the merchant. Bank did not ask me REG-E questions, or allow me to furnish Reg-E documentation ( attached ). Complaint has been re-opened at least twice by \" executive '' offices of the bank but still no provisional credit extended, almost a month later. A pandemic hardship. \nC. Wells Fargo stated in writing to me, justifying closure of my REG-E complaint : \" ..we have determined the transaction was authorized or that a processing error did not occur. '' But the bank ignored my repeated requests to prove to me to show me my written authorization for this dollar amount, or for any pre-authorized installment contract or loan. \nD. I did NOT authorize this amount or this transaction. I had no expectation or warning of it. I do not owe it. \nE. Bank in verbal reviews of this unauthorized transaction with me, repeatedly refers only to my presence at this merchant you stayed there and refuses to address blatant REG-E violations by its personnel. OCC told me this week to ask CFPB and BANK to re-open this as a clear REG-E was the amount authorized? Is there proof of my written authorization AS DETAILED IN REG-E, not as the merchant or bank gloss over, etc? OCC SAID RELEVANT QUESTIONS ARE : Did I authorize this transaction in writing, for this amount, for this merchant and on this card, with understanding? I DID NOT. \nDid Wells Fargo and/or the merchant collude to violate my US Federal Civil Rights as a XXXX patient ; and /or to exploit my weakened condition as a recovering XXXX patient with serious XXXX and XXXX issues? * IF there was intentional exploiting of me as a XXXX patient that might invoke additional FEDERAL CIVIL RIGHTS, XXXX WHISTLE BLOWER, AND SPECIAL PANDEMIC OIG INVESTIGATION AND PROTECTIONS, FOR ME. And make punitive damages more likely. \nF. Wells Fargo forced compulsory credit onto me, by letting this unauthorized transaction clear and overdraft my account by {$1200.00} ; when I was not signed up for, had refused, Overdraft protection. See attached. ANOTHER REG-E VIOLATION.\n\nG. Wells Fargo then tried to claim this was a pre-authorized transaction, but none of the REG-E conditions for a legal pre-authorized transaction were met by bank or merchant. \n\n\n\n2. REG-E VIOLATIONS BY WELLS FARGO DETAIL 1. REG-E - 1005.10 ( d ) ( 2 ) : The published policy Wells sent to me to justify its conclusion that this was an authorized transaction violates REG-E Federal Requirements and definition of Authorized Transaction. \nIn a letter to me dated XX/XX/XXXX, Wells drew my attention to its published consumer account disclosures, including : \" ..if you give your debit card number to a merchant with authorization to bill for payment, or to keep it on file for future purchases or payments, the merchant may receive updated card information to process such payments ... '' Wells ' rationale for deeming this an 'AUTHORIZED ' transaction, it seems, was that if I ever in my lifetime give any merchant / vendor a WF bank card, credit or debit, that merchant has carte blanche ability & permission - from myself and from WF - to put through ANY FUTURE AMOUNT AT ANY TIME WITHOUT ANY WRITTEN PRIOR NOTICE TO ME, THE CONSUMER. IT COULD BE FOR {$1.00} XXXX, ONE WF REP SAID, AND IT COULD BE 10 OR 12 CLOSED BANK CARDS AGO .. WELLS FARGO WOULD STILL SEE THIS AS AN 'AUTHORIZED ' TRANSACTION AND NOT HONOR THE TERMS OF US FEDERAL REG-E. \nUnder this internal published policy and rationale, consumers can not apply Reg-E logic and restrictions because the bank simply ignores or disregards Reg-E requirements : e.g. written notification 10 days prior if the new amount varies from the last amount charged, written approval by the consumer to continue to charge that specific bank card, written approval by consumer for that specific amount, etc. \no I HAD SPECIFICALLY FORBIDDEN AND VENDOR GM XXXX XXXX AND AST MGR AMIT HAD AGREED TO DELETE THIS DEBIT CARD FROM THEIR BILLING SOFTWARE / SYSTEM AND NOT TO PUT ANY FUTURE CHARGES ONTO IT. AND I HAD DIRECTED THE VENDOR REPEATEDLY NOT TO PUT ANY FURTHER UNAUTHORIZED CHARGES ONTO ANY BANK CARD WITHOUT GIVING ME A DETAILED BILL AND ASKING ME FIRST. \n2. REG-E - 1005.10 ( d ) : Notice of transfers varying in amount : Official interpretation of 10 ( d ) Notice of Transfers Varying in Amount Show ( 1 ) Notice. When a preauthorized electronic fund transfer from the consumer 's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer. \nTHIS WAS NOT DONE BY THE MERCHANT. \nWELLS FARGO NEVER GAVE ME A CHANCE TO EXPLAIN OR TO CITE THEM THIS REG-E REQUIREMENT. Instead, the bank said repeatedly that the amount doesnt matter. If you gave them your card once, they can charge it forever. \nThe Unauthorized amount of {$2600.00} was over 600 % higher than the prior authorized amount, of {$440.00} ; or for the most immediately unauthorized amount of {$130.00}, charged without my approval or advance bill / warning, on XX/XX/XXXX. \nI never signed or authorized in writing a recurring, pre-authorized transaction, per REG-E. \nFEDERAL PRECEDENT FOR INTERPRETING REG-E AS I HAVE, IN THIS CONTEXT : This is exactly the offense that XXXX and other banks were fined tens of millions for, XXXX - XXXX : Not applying Reg-E to protect consumers on old, expired, or pre-authorized transactions. \n3. REG-E 1005.10 ( a ) ( 2 ) Pre-Authorized Transactions : 1005.10 ( a ) ( 1 ) ( ii ) ( a ) Preauthorized transfers to consumer 's account WHY THIS WAS NOT PRE-AUTHORIZED Show ( 1 ) Notice by financial institution. When a person initiates preauthorized electronic fund transfers to a consumer 's account at least once every 60 days, the account-holding financial institution shall provide notice to the consumer by : ( WELLS FARGO DID NONE OF THESE. I HAD TO CHECK MY LEDGER TO SEE THIS UNAUTHORIZED TRANSACTION, AND WAS ONLY ALERTED WHEN I ATTEMPTED TO USE MY DEBIT CARD AND IT SUDDENLY DID NOT CLEAR. BUT I HAD OVER {$1700.00} IN MY ACCOUNT, READY FOR RENT. ) ( i ) Positive notice. Providing oral or written notice of the transfer within two business days after the transfer occurs ; or ( ii ) Negative notice. Providing oral or written notice, within two business days after the date on which the transfer was scheduled to occur, that the transfer did not occur ; or ( iii ) Readily-available telephone line. Providing a readily available telephone line that the consumer may call to determine whether the transfer occurred and disclosing the telephone number on the initial disclosure of account terms and on each periodic statement. \n( 2 ) Notice by payor. A financial institution need not provide notice of a transfer if the payor gives the consumer positive notice that the transfer has been initiated. MERCHANT DID NOT DO THIS.\n\n( 3 ) Crediting. A financial institution that receives a preauthorized transfer of the type described in paragraph ( a ) ( 1 ) of this section shall credit the amount of the transfer as of the date the funds for the transfer are received. THIS WAS NEVER DONE OR GIVEN TO ME. WELLS NEVER CONSIDERED THIS. \n4. 1005.10 ( C ) ( c ) Consumer 's right to stop payment Official interpretation of 10 ( c ) Consumer 's Right to Stop Payment Show ( 1 ) Notice. A consumer may stop payment of a preauthorized electronic fund transfer from the consumer 's account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer. \n( 2 ) Written confirmation. The financial institution may require the consumer to give written confirmation of a stop-payment order within 14 days of an oral notification. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification. An oral stop-payment order ceases to be binding after 14 days if the consumer fails to provide the required written confirmation. \nBank REFUSED on XX/XX/XXXX when I visited a XXXX branch near the XXXX XXXX XXXX to let me put a stop payment order on my debit card or against this merchant. Bank said Wells Fargo lacked this capability. But under REG-Z Wells is compelled to provide this capability. Bank said that just opening a new debit card would be sufficient protection for me from this merchant or any other future fraud. THAT WAS NOT TRUE. \n5. ( e ) Compulsory use Official interpretation of 10 ( e ) Compulsory UseHide See interpretation of 10 ( e ) Compulsory Use in Supplement I ( 1 ) Credit. No financial institution or other person may condition an extension of credit to a consumer on the consumer 's repayment by preauthorized electronic fund transfers, except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. This exception does not apply to a covered separate credit feature accessible by a hybrid prepaid-credit card as defined in Regulation Z, 12 CFR 1026.61.\n\nOfficial interpretation of 10 ( e ) ( 1 ) CreditHide 1. General rule for loan payments. Creditors may not require repayment of loans by electronic means on a preauthorized, recurring basis. \nThis provision of REG-E basically addresses the use of mandatory credit or overdraft extension to consumers without their prior written consent or authorization, to pay a merchant debt. I had / have no overdraft protection on the checking account or debit card ( closed or current ) used by the merchant for this unauthorized transaction : THIS OVERDRAFTED MY ACCOUNT BY {$1200.00} or provided me with forced or compulsory credit from Wells Fargo for a transaction I never authorized and am liable for only the first {$50.00} of, under REG-E. And now Wells Fargo also expects me to repay the overdraft of {$1200.00}, and has started to add interest to this owed amount, and is making collection calls against me! \nXXXX WHY THIS COMPLAINT WAS MIS-INTERPRETED BY WELLS FARGO AND CFPB AND A NEW COMPLAINT SHOULD BE OPENED PER THE OFFICE OF THE COMPTROLLER OF THE CURRENCY SO THAT I HAD FAIR TREATMENT UNDER THE LAW : 1. Wells categorized both the {$130.00} and {$2600.00} Unauthorized Transaction complaints on internal postings and in discussions with me in person at branches and over the phone as REG-Z ( credit card, billing dispute ) ; and not REG-E ( consumer debit card, UNAUTHORIZED TRANSACTION, BANK ERROR ), as my concerns should have been classified as. \n2. CFPB also classified and labeled this as something OTHER THAN A REG-E COMPLAINT calling it an account management complaint against Wells. But that is NOT REG-Z. CFPB PER THE OCC, MUST OPEN A PROPER REG-Z COMPLAINT BY ME AGAINST THE BANK. \nHERE IS THE WELLS FARGO VERBAGE THAT VIOLATES REG-E, CITED BY ITS PERSONNEL TO ME REPEATEDLY, STATING THAT ONCE ANY MERCHANT HAS ANY CARD NUMBER / AUTHORIZATION FROM YOU, THEY MAY USE THAT FROM THAT POINT FORWARD, TO INFINITY, FOR ANY AMOUNT. This was an invalid reason for closing my REG-Z claim or for determining that this was an authorized transaction. Because it violates federal consumer law. \n\n-- - MISC BACKGROUND my complaints regarding the conditions and illegal retaliation against me for reporting the hotels sanitation were valid, but OCC says they are REG-Z ( consumer credit ) just as is the merchants billing assertions. However, to the extent to which merchant behavior might be used to construe integrity or honesty or intent for purposes of evaluating REG-E compliance, in this current pandemic situation, here are highlights of my conditions and illegal retaliation remarks, as background only, made to Wells Fargo : Merchant cut off heat to my suites, or rather stopped the engineering team from scheduled repairs to the heat, after I raised XXXX XXXX and health dept sanitation concerns. And stated this openly. \nMerchant caused me to develop XXXX XXXX and worsened symptoms, if not XXXX itself, per my doctors XXXX XXXX XXXX. \nMerchant openly taunted me to just go into the hospital and took back its space heater in XXXX degree weather, after it overheard me speaking on phone about the conditions and possibly speaking to a law firm about personal injury damages. I could not leave, first due to XXXX, and as that came under control, XXXX impact -- if I even stood up my XXXX would either drop to XXXX - XXXX bpm and i would have to sit or lay down not to pass out ; or it would race erratically out of control. typical XXXX XXXX XXXX. The hotel robbed me of a peaceful recovery -- my doctors said repeatedly that they felt I caught XXXX due to the conditions there ; but also, that had I been anywhere else, I might not even have developed symptoms. The hotel was that physically stressful. \nMerchant put new guests, incl myself, into infected rooms without sanitation and engaged in numerous blatant CDC violations see https : XXXX. \nMerchant was billing me a pre-negotiated 'responder ' rate of $ XXXX/day, no tax. And had agreed that I owed nothing for XXXX, and that I would pursue with its owners XXXX XXXX XXXX XXXX XXXX settlement over its treatment, abuse, failure to protect. When merchant billed me {$130.00} XX/XX/XXXX and I rang the front desk to ask about it, they stated that was the entire amount owed. \nMerchant endangered, per CDC and prevailing global Covid19 insight and historical evidence this is a field of expertise for me, as XXXX XXXX XXXX XXXX Innovator of the Year and the XXXX  of XXXX of the top pending global anti-viral products : the entire DC XXXX XXXX  based on guests staying there, including Mayor XXXX  office, the White House, XXXX XXXX, XXXX and XXXX Airports, etc. And in XXXX if you remember, just XXXX XXXX at a hotel led immediately to XXXX infections and over XXXX deaths in that state. This merchants behavior was unconscionable. And could have killed me. And others.","date_sent_to_company":"2021-02-09T15:42:35.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"200XX","tags":null,"has_narrative":true,"complaint_id":"4111461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-02-02T20:20:31.000Z","state":"DC","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":["And <em>could</em> have killed me. And others."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.10137,"4111461"]},{"_index":"complaint-public-v1","_id":"3214951","_score":10.139357,"_source":{"product":"Debt collection","complaint_what_happened":"Re : United States Court of Appeals ; Case File # XXXX ; YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house. \nPersonal/Loans Open/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXXXXXX XXXX  to XXXX Greetings to whom it may concern, I am officially emailing you back with a reply for the OOCR program/settlement. Email is the best way to reach me and have a receipted correspondence of the upcoming steps for gradually clearing this old debt. Thank You in advance and look forward to hearing from you shortly. \nRespectfully Submitted, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX!!! \n\n\n\nOn Thu, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX  XXXX wrote : Reason of this notification : Against you filed Concealment Lawsuit ( Terminology *Concealment Lawsuit* in law book means any Creditor/Company/Law Firm/Business can file case against you without revealing identity to convict/ ( YOU ). \n\n\n\n\n\nFINAL NOTICE FOR DEBT SETTLEMENT CASE FILE NUMBER XXXX DUE AMOUNT : {$1300.00} LOAN COMPANY XXXX XXXX XXXX  Failure to attend may result in a warrant being issued for your arrest. \n\n\n\nSUBMITTED XX/XX/2018 FOR LOAN RECOVERY You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\nWe are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately. \nA violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly. \n\nThree allegations are been charged as under : 1 ) Under Section 19 U.S.C 7859 Violation Of Federal Banking Regulation 2 ) Under Section 37U.S.C 2342 Collateral Cheque Fraud 3 ) Under Section 42U.S.C 5619 Theft By Deception The Attorney General 's Legal Affairs & Investigation Section has received the complaint regarding your bad loan. In an effort to make you aware of information received by the Attorney General 's Legal Affairs & Investigation Section concerning your Case File, we are sending this complaint to you for response. \n\nWe would appreciate it if you would provide your written reply within 24 hours of receipt of this request so the complaint can be resolved without further action by the ( AIPOFS ) Annually Investigation Practices Of Federal System. \n\nI would like to personally offer you good faith adjustment if you agree the terms of the resolution so we can confirm with the Groups Of Attorneys that the resolution offered is acceptable and close the file. If you deny then I apologies but seek to issue arrest warrant against you in 24 hours you will be taken either from your work place or home under the custody of 72 hours after bail this matter will be fully revealed in courthouse after the default judgement.Under Section 31 U.S.C 3716 the company can collect the funds before three years of the contract as per the Federal Government Right to collect the debt first accrued, except as otherwise provided by law. \n\nWhich carries a maximum sentence of 3.5 years of prison and a fine up to $ XXXXLegal costs and interest may be added to the debt.\n\nYOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.\n\nPS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, so please EMAIL us back ASAP.\n\nBy requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you.\n\nThank you for your prompt attention to this matter.\n\nNOTE : Please send all communication electronically to this email asap. \nOffice of the United States Trustee, Long Island Federal Courthouse, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXXE XXXX XX/XX/2018 , XXXX PM to me XXXX XXXX, XXXX Total Outstanding Balance ( Due Amount ) : {$1300.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) The Payment Method accepted by our company in settlements is XXXX XXXX XXXX XXXX XXXX XXXX . \n\n\n\nOne Time Settlement Offer : 1 : {$750.00} ( if paid Today ). \n\n2 : {$1000.00} ( If Paid Within Week ) Since this loan account is very past due so we would appreciate if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action. \n\n\n\nFor any queries or concern, you can contact us. \n\n\nXXXX XXXX XXXX  XXXX XX/XX/2018 , XXXX XXXX to me Please contact us on this same email as this is the Email Recovery Department of Advance Cash Express . \n\n\nDo update us with your intention that you want to resolve this case or you want to dispute XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Let us know are you willing to resolve this case outside of the court house or not so that we can proceed further and update your case file. \n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Do update us with your intention that you want to resolve this case or you want to dispute. \n\nXXXX XXXX XXXX XX/XX/2018, XXXX XXXX to ace.debt.payday Good Morning, Neither of these 2 payments options are financially feasible for me at this time ... A payment plan of twice a month at {$50.00} is currently what I can financially afford to pay until this dept is settled ... I am currently in garnishment with my student loans and that is where over 50 % of my paycheck is going and has been for the past 2 years now. With that and paying bills, I don't have the finances to do extra and some of my current bills. If this plan can not be done, I understand and will have to seek other options .... \nThank You XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX!!! \n\n\n\n\nOn Fri, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXXE XXXX wrote : Let us know are you willing to resolve this case outside of the court house or not so that we can proceed further and update your case file. \n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX  to me A review was done on your file with the account section and we have decided that you can also pay the amount in 12 equal installments of {$50.00} Biweekly starting from today so that we can hold your case file else it will be forwarded. But as per the company policy we can not take such small payments through Debit/Credit cards, As we have a tie up with the company so you can pay this through XXXX XXXX. \n\n\n\nAnd a full & final payment receipt will be provided to you as per your records. \n\nTherefore, do update us ASAP so that we can work well on your file. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We are waiting for your response. \n\nXXXX XXXX XXXX XX/XX/2018, XXXX XXXX to XXXX I have never heard of such or done any payment plan through XXXX .... Any payment/installment that I have ever done OFFICIALLY with a company/Bank/Creditor/Collector has always gone through an Official Office/Branch that has given me a receipt of payment each and every time a payment was taken or made. I need some clarification on this process because this does NOT sound Official at all with the response you just emailed me .... I am currently at work, but would like some official Documentation/contract sent to me via email with the layout of the payment plan/installment before I agree to this ... I am not saying this if fraudulent, but I have never cleared a debt in this manner. I am going off my history with clearing debts and debts of all kinds ... \nThank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! \n\n\n\nXXXX XXXX XXXX  XXXX XX/XX/2018, XXXX XXXX  to me You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me ou are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\nFailure to attend may result in a warrant being issued for your arrest. \n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We have sent you several emails regarding this debt but you are not taking this matter seriously, we have to forward all these collection emails and download this case file as you have not updated your clear intention and ignoring this serious matter. \n\n\n\n\nXXXX XXXX XXXX XX/XX/2018, XXXX XXXX to ACE Good Morning Again, I have asked for an explanation on why money has to be sent on an XXXX Card, and that has yet to be explained to me. In past debt collections, I have NEVER been asked to submit funds on any kind of app card or such. I have always setup a payment plan with a signed contract for the data if when funds would be withdrawn and a timeline of the initial payment to the final payoff date. This is all I'm asking for because I don't want to be scammed or send funds to a fraudulent account/Department/group and the debt is not cleared. Clarification and Security is all I'm asking for please and Thank You! \n\n\nOn XX/XX/2018 XXXX XXXX, \" XXXX XXXX XXXX '' XXXX wrote : We have sent you several emails regarding this debt but you are not taking this matter seriously, we have to forward all these collection emails and download this case file as you have not updated your clear intention and ignoring this serious matter. \n\n\n\n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We take small payment via XXXX card only as we have tie up with the company regarding debt settlement cases. They allow us adjust your payment dates and amount according to the case.If you pay us with your Credit/Debit Card, you have to make a minimum payment of {$1400.00} in order to close this case file of yours. \n\n\nA Debt Closure Certificate will be provided to you once we will get payment confirmation from our Accounts Department. \n\n\n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Let us know about your final intention whether you are going to make payment or not so we will update in your case file accordingly and start legal consequences against you.\n\nGet back to us ASAP to discuss about it, We will be happy to assist you further. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX  to me Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX  to me Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\nXXXX XXXX XXXX XX/XX/2018, XXXX XXXX  to ACE Good Morning, Yes I am willing to resolve this matter outside of court. Please send me Directions on what I need to do on my end to start the process of repayment ... \nThank You! \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX!!! \n\n\n\n\nOn Wed, XX/XX/2018 at XXXX XXXX  XXXX XXXX XXXX XXXX wrote : Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me The only mode of payment we are allowed to accept below {$500.00} is thru XXXX XXXX XXXX   Apple, and you do not have to give out any of your personal information to anyone. \n\n\n\nAll you have to do is get a XXXX XXXX XXXXXXXX by XXXX with value of {$100.00} on it from any of the stores mentioned below, scratch on the bottom on the back side of the card, and provide us code. \n\n\n\n\nXXXX Gift Card by XXXX is available at these stores : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : We also need copy of payment receipt as well as copy of back side of the card in order to process your payment. \n\n\n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\nXXXX XXXX XXXXT XXXX XX/XX/2018, XXXX XXXX to me Let us know are you willing to resolve this case outside of the XXXX house or not so that we can proceed further and update your case file. \n\n\nXXXX XXXX XXXX  XXXX XX/XX/2018, XXXX XXXX to me We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. \n\n\nWe still trust court actions will not be necessary and look forward to receiving payment by return. \n\n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me If you trying to run away, we will forward you case file to our legal department where our attorney will handle your case file and may be you have to face legal consequences. \n\nThe amount still running on your name is {$1300.00} and you have to pay it by the end of day today otherwise you will catch by your local cops ASAP. \n\nLet us know about your final intention whether you are going to deposit your payment or else you are going to fight against us.\n\nGet back to us ASAP with your clear intention, We will be more happy to assist you further. \n\nRegards XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX   to me Dear Customer, Invoice Amount : {$1400.00} Date : XX/XX/2018 As you are aware the above invoice remains unpaid by you. Despite numerous reminder emails and telephone calls requesting payment of this account, the debt remains owing. \n\nAccordingly we advise that if payment in the sum of {$1400.00} ( XXXX XXXX XXXX ONLY ) is not received by this office within THREE days of the date of this letter, we will instruct our solicitor to issue proceedings against you, to recover the unpaid debt together with our legal costs. \n\n\n\nBest Regards, XXXX XXXX ( Case Manager ) XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to XXXX XXXX XXXX, This is XXXX XXXX, and I wanted to see if you could check these emails out for me to see if this is fraudulent activity. I think I remember having a loan with them a while back, but the way of their approach in these emails is very negative and I wanted to make sure this was a legitimate payment request. If not I would like to see about starting another debt consolidation and clear this up the proper way ... All emails are in this thread for you to look over ... \nThanks Again, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! \n\n\nForwarded Conversation Subject : Re : United States Court of Appeals ; Case File # XXXX ; YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house. \n-- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX Date : Thu, XX/XX/2018 at XXXX XXXX To : XXXX Greetings to whom it may concern, I am officially emailing you back with a reply for the OOCR program/settlement. Email is the best way to reach me and have a receipted correspondence of the upcoming steps for gradually clearing this old debt. Thank You in advance and look forward to hearing from you shortly. \nRespectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! \n\n\n\nOn Thu, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Reason of this notification : Against you filed Concealment Lawsuit ( Terminology *Concealment Lawsuit* in law book means any Creditor/Company/Law Firm/Business can file case against you without revealing identity to convict/ ( YOU ). \n\n\n\n\n\nFINAL NOTICE FOR DEBT SETTLEMENT CASE FILE NUMBER XXXX DUE AMOUNT : {$1300.00} LOAN COMPANY Advance Cash Express Failure to attend may result in a warrant being issued for your arrest. \n\n\n\nSUBMITTED XX/XX/2018 FOR LOAN RECOVERY You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\nWe are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately. \nA violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly. \n\nThree allegations are been charged as under : 1 ) Under Section 19 U.S.C 7859 Violation Of Federal Banking Regulation 2 ) Under Section 37U.S.C 2342 Collateral Cheque Fraud 3 ) Under Section 42U.S.C 5619 Theft By Deception The Attorney General 's Legal Affairs & Investigation Section has received the complaint regarding your bad loan. In an effort to make you aware of information received by the Attorney General 's Legal Affairs & Investigation Section concerning your Case File, we are sending this complaint to you for response.\n\nWe would appreciate it if you would provide your written reply within 24 hours of receipt of this request so the complaint can be resolved without further action by the ( AIPOFS ) Annually Investigation Practices Of Federal System.\n\nI would like to personally offer you good faith adjustment if you agree the terms of the resolution so we can confirm with the Groups Of Attorneys that the resolution offered is acceptable and close the file. If you deny then I apologies but seek to issue arrest warrant against you in 24 hours you will be taken either from your work place or home under the custody of 72 hours after bail this matter will be fully revealed in courthouse after the default judgement.Under Section 31 U.S.C 3716 the company can collect the funds before three years of the contract as per the Federal Government Right to collect the debt first accrued, except as otherwise provided by law.\n\nWhich carries a maximum sentence of 3.5 years of prison and a fine up to $ XXXX.Legal costs and interest may be added to the debt. \n\nYOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.\n\nPS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, so please EMAIL us back ASAP. \n\n\nBy requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you. \n\nThank you for your prompt attention to this matter. \n\nNOTE : Please send all communication electronically to this email asap. \n\n\nOffice of the United States Trustee, Long Island Federal Courthouse, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, NY XXXX -- -- -- -- -- From : XXXX XXXX XXXX   XXXX Date : Thu, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX   XXXX Date : Thu, XX/XX/2018 at XXXXXXXX XXXX To : XXXX Please contact us on this same email as this is the Email Recovery Department of XXXX XXXX XXXX. \n\n\nDo update us with your intention that you want to resolve this case or you want to dispute -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX Let us know are you willing to resolve this case outside of the court house or not so that we can proceed further and update your case file. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX Do update us with your intention that you want to resolve this case or you want to dispute. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX Good Morning, Neither of these 2 payments options are financially feasible for me at this time ... A payment plan of twice a month at {$50.00} is currently what I can financially afford to pay until this dept is settled ... I am currently in garnishment with my student loans and that is where over 50 % of my paycheck is going and has been for the past 2 years now. With that and paying bills, I don't have the finances to do extra and some of my current bills. If this plan can not be done, I understand and will have to seek other options .... \nThank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX  To : XXXX A review was done on your file with the account section and we have decided that you can also pay the amount in 12 equal installments of {$50.00} Biweekly starting from today so that we can hold your case file else it will be forwarded. But as per the company policy we can not take such small payments through Debit/Credit cards, As we have a tie up with the company so you can pay this through XXXX XXXX. \n\n\n\nAnd a full & final payment receipt will be provided to you as per your records. \n\nTherefore, do update us ASAP so that we can work well on your file. \n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX  To : XXXX We are waiting for your response. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX I have never heard of such or done any payment plan through XXXX .... Any payment/installment that I have ever done OFFICIALLY with a company/Bank/Creditor/Collector has always gone through an Official Office/Branch that has given me a receipt of payment each and every time a payment was taken or made. I need some clarification on this process because this does NOT sound Official at all with the response you just emailed me .... I am currently at work, but would like some official Documentation/contract sent to me via email with the layout of the payment plan/installment before I agree to this ... I am not saying this if fraudulent, but I have never cleared a debt in this manner. I am going off my history with clearing debts and debts of all kinds ... \nThank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! \n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2018 at XXXX XXXX  To : XXXX You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\nFailure to attend may result in a warrant being issued for your arrest. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX We have sent you several emails regarding this debt but you are not taking this matter seriously, we have to forward all these collection emails and download this case file as you have not updated your clear intention and ignoring this serious matter. \n\n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX XXXX XXXX XXXX Good Morning Again, I have asked for an explanation on why money has to be sent on an XXXX Card, and that has yet to be explained to me. In past debt collections, I have NEVER been asked to submit funds on any kind of app card or such. I have always setup a payment plan with a signed contract for the data if when funds would be withdrawn and a timeline of the initial payment to the final payoff date. This is all I'm asking for because I don't want to be scammed or send funds to a fraudulent account/Department/group and the debt is not cleared. Clarification and Security is all I'm asking for please and Thank You! \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX  XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX We take small payment via XXXX card only as we have tie up with the company regarding debt settlement cases. They allow us adjust your payment dates and amount according to the case.If you pay us with your Credit/Debit Card, you have to make a minimum payment of {$1400.00} in order to close this case file of yours. \n\n\nA Debt Closure Certificate will be provided to you once we will get payment confirmation from our Accounts Department. \n\n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX  To : XXXX Let us know about your final intention whether you are going to make payment or not so we will update in your case file accordingly and start legal consequences against you.\n\nGet back to us ASAP to discuss about it, We will be happy to assist you further. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Wed, XX/XX/2018 at XXXX XXXX To : XXXX Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX  XXXX Date : Wed, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX Date : Fri XXXX XX/XX/2018 at XXXX XXXX To : XXXX XXXX XXXX XXXX Good Morning, Yes I am willing to resolve this matter outside of court. Please send me Directions on what I need to do on my end to start the process of repayment ... \nThank You! \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! \n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXXXXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX   XXXX Date : Fri, XX/XX/2018 at XXXXXXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX   XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. \n\n\nWe still trust court actions will not be necessary and look forward to receiving payment by return. \n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX  XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX Mail Delivery Subsystem XX/XX/2018, XXXXXXXX XXXX Message not delivered Your message couldn't be delivered to XXXX because the remote server is misconfigured. See technical details XXXX XXXX XX/XX/2018, XXXX XXXX Greetings XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Failure to attend may result in a warrant being issued for your arrest. Legal costs and interest may be adde Mail Delivery Subsystem XX/XX/2018, XXXX XXXX Message not delivered Your message couldn't be delivered to XXXX because the remote server is misconfigured. See technical de XXXX XXXX XXXX XXXX Fri, XX/XX/2018, XXXX XXXX to me Court proceedings will be issued within 72 hours from the date of this letter if the account has not been settled. You will be prosecuted for Following Allegations ; Bank Fraud Violation of Federal Law of Debt and Banking Intentional Theft by Deception There will be no further warnings made for demands of payment. Court proceedings can include the additional expense of legal costs and interest being added to the balance of this account. It is regrettable that it has come to this point and court action is still avoidable if immediate and full settlement of this account is made. \n\n\nXXXX XXXX XXXX XXXX Wed, XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are really willing to resolve this case outside the court without any legal actions. \n\n\nXXXX XXXX XXXX XXXX Mon, XX/XX/2018, XXXX AM to me This email is reminder about the payment that you had promised to pay but we have not yet received your payment after so many reminders, so under IC3 ( Internet Crime Complaint Center ) we are considering it as a flat refusal from your side and we have to press charges against you. \n\n\n\nIf you are still interested in resolving this issue pay us immediately else you will be legally prosecuted within a couple of days. \n\n\n\n\nNOTE : Your Social Security Number has been marked as Red Flag by US Government XXXX XXXX XXXX XXXX Mon, XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are willing to resolve the case outside the court so we can send you the payment instructions. \n\n\n\nThank You. \n\n\nXXXX XXXX XXXX XXXX Tue, XX/XX/2018, XXXXXXXX XXXX to me You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\n\n\nFailure to attend may result in a warrant being issued for your arrest. \n\nXXXX XXXX XXXX XXXX Tue, XX/XX/2018, XXXX XXXX to me Do revert with your clear intentions so that we can proceed accordingly. \n\nXXXX XXXX XXXX XXXX Tue, XX/XX/2018, XXXX XXXX to me We would advise to treat this matter with urgency and we believe you will not ignore","date_sent_to_company":"2019-04-19T16:32:00.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"77014","tags":null,"has_narrative":true,"complaint_id":"3214951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","date_received":"2019-04-17T17:13:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to arrest you or take you to jail if you do not pay"},"highlight":{"complaint_what_happened":["All you have to do is get a XXXX XXXX XXXXXXXX by XXXX with value of {$100.00} on it from any of the stores mentioned below, scratch on the bottom on the back side of the <em>card</em>, and <em>provide</em> us code. \n\n\n\n\nXXXX Gift <em>Card</em> by XXXX is available at these stores : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : We also <em>need</em> copy of payment receipt as well as copy of back side of the <em>card</em> in order to process your payment."]},"sort":[10.139357,"3214951"]},{"_index":"complaint-public-v1","_id":"18971665","_score":9.334289,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The email sent to Venmo : I am writing to formally dispute the resolution of a recent case involving my account, as funds have been incorrectly withheld and taken following a mishandled dispute on Venmo 's behalf. I am asking for this matter to be evaluated and reviewed immediately, as the resolution is inaccurate and has caused financial harm. \n\nTo contextualize the situation in which the dispute arose, a table at a club was booked through my friends and I that was worth over {$1000.00}. My friend and her other friends said they wanted to come and would put money towards the table. My friend began to feel sick and could not make it, but her two friends said they still wanted to come and pitch in for the table. To split it evenly, the two girls would have had to pay around {$150.00} each, but I was willing to give them a large discount and they agreed on paying {$70.00} each, meaning a total of {$140.00} for the two girls combined. We agreed on this payment in advance, and the two girls sent the money in advance through her Venmo account. The two girls told me the time frame they were going to arrive at the club as well. My friends and I arrived before the two girls, and since the table was under my name I waited to help them in. After a while one of the girls messaged me saying they were actually going to arrive later than originally planned because their friend had gotten too drunk. I asked again when they planned on arriving and did not receive a response. The two girls never showed up and did not respond to my messages despite the fact I saved spots for them at the table as well as drinks. Later on the next day, she messages me saying her friend got too drunk, and asks for all her money back. I communicated that I had gotten the table for a set amount of people because they had confirmed they were coming and I had no reason to believe otherwise. Beyond that, I had also offered them a discount/more reasonable price at my own expense. I asked if she would be okay with half the money back because we had bought the table for a set amount of people which had cost me extra at my expense ( with her and her friend included ) and they simply chose to not show up that night without messaging me. She agreed that this was fair so I sent {$70.00} of the {$140.00} she originally sent back to her as half her money back. I will attach an image of the transaction where the {$70.00} was sent back to her. She then proceeded to go behind my back and file a dispute for the {$140.00} she had originally sent, even though we had previously agreed on half the money back. Somehow the Venmo dispute ruled in her favor, even though their failure to attend was their choice for reasons unrelated to me, and now I am paying the consequences. I relied on their confirmed attendance for a specific headcount, reserving space and drinks for them and incurring additional out-of-pocket costs, which were not negated by their last-minute decision not to show up. Although I was not required to issue any refund, I acted reasonably by offering a 50 % refund, and issuing it only after she explicitly agreed that this resolution was fair. Venmo disputes are intended to address fraud, unauthorized transactions, or situations where goods or services were not provided due to the seller. In this case, the payment was voluntarily sent for a shared group expense, and the buyers chose not to attend for reasons unrelated to me. As a result, this situation does not meet Venmos own standards or eligibility criteria for a dispute or reversal.\n\nNow, my Venmo account is frozen because of this unreasonable and incorrect dispute. Beyond that, it is taking money that people sent me from other transactions saying I need to pay back a full balance to restore my account, which is completely unacceptable. Given the facts outlined above, I am requesting that this dispute be reopened, reviewed by a supervisor, and resolved correctly. The current decision is inaccurate, inconsistent with Venmos dispute policies, and has resulted in my account being unjustly frozen and additional funds being taken from unrelated transactions. I am asking that my account be immediately restored, the disputed funds be returned to me, and any balance improperly imposed on my account be removed.\n\nVenmo 's Response This is * * * from Purchase Support. I hope all is well! I will take over this ticket for my teammate. Thank you for sending that you have provided the information needed, we can move forward with the next step. Ill take care of this for you!\n\nI see that our Account Specialist emailed you the statements : We've reviewed the information regarding the dispute case and have decided in your buyer 's favor.\n\nThe disputed amount will be withdrawn from your Venmo account.\n\nPlease make sure you have sufficient funds to cover the amount that will be debited. If you don't have enough funds in your Venmo account to cover the disputed amount, it will result in a negative balance in your Venmo account and you must add funds to your Venmo balance by clicking the button below. \nThe following email sent to Venmo : Dear Venmo Support, I am formally requesting escalation of this case to a supervisor and a secondary review of the dispute decision because the current resolution clearly misapplies Venmos dispute eligibility standards. This transaction was not a purchase of goods or services as you have suggested, nor was it a matter of buyer and seller. It was a voluntary, authorized payment for a shared group expense. The payment was sent knowingly and in advance for participation in a reserved table at a club. Space, drinks, and headcount were secured based on XXXX XXXX XXXX XXXX XXXX  confirmation. XXXX XXXX XXXX XXXX XXXX  and her friend later chose not to attend for reasons unrelated to me. Venmo 's dispute eligibility standards states that eligible dispute reasons include unauthorized activity, items not received as described, an item/service not received, and billing errors. None of these reasons applies to this case. Most importantly, personal family and friends payments are not protected by Venmo 's dispute eligibility standards. As this case falls directly under family and friends payments and does not meet any of Venmo 's dispute eligibility standards, I am failing to see how this case could be deceived in the \" buyer 's '' favor. \n\nI acted reasonably and in good faith by offering and issuing a 50 % refund after the girls explicitly agreed this was fair. I have provided proof of the partial refund above. If a full refund is issued after a partial refund was agreed upon and completed as you are suggesting should happen, I am experiencing additional financial losses beyond simply the disputed funds. XXXX XXXX XXXX XXXX XXXX and her friend effectively exploited the dispute process by accepting a partial refund and then initiating a dispute for the full original amount despite having already agreed that a 50 % refund was fair and sufficient. In doing so, the girls are attempting to profit off of me through misuse of the Venmo dispute system. \n\nVenmo disputes are intended to address fraud, unauthorized payments, or failure to provide goods or services. None of those conditions apply here. When a \" buyer '' fails to show up after confirming participation for an authorized payment that was agreed to in advance, it is ineligible by Venmo 's dispute eligibility standards. The girls ' voluntary decision not to attend does not meet Venmos criteria for a reversal of payment, nor does it give them the right to take back more money once a partial refund was completed. \n\nVenmo 's response : This is XXXX XXXX XXXX XXXX XXXX from Venmo Customer Support. I'll be taking over your ticket from XXXX XXXX XXXX  and I'll be assisting you. I hope you and your family are doing well and healthy. \n\nThank you for your patience in working with us to solve this. I was able to see the payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$130.00} on XX/XX/year>. Since the dispute was solved by the buyer 's favor, you need to add your balance with the amount of {$120.00} to unfreeze your account on Venmo. \n\nYou can find more information and settle this unrecovered payment by following the prompts in the app. Tap Restore your account to get the process started. Alternatively, you can settle the payment by using a computers browser to visit venmo.com/recover. \n\nYou can use either a debit card or bank account to add money to Venmo and unfreeze your account. A debit card payment ( if successful ) will unfreeze immediately. A bank account payment XXXX take up to XXXX business days to process ( if successful ) before your account is unfrozen. It is also worth noting that you'll receive an email when your account unfreezes. \n\nPlease note : Any payments you receive to your Venmo account XXXX be applied to the money owed. If the payment is equal to or more than the money owed, your account will automatically unfreeze. If you have any questions regarding this process, please let me know. \n\nThank you for your patience and understanding. I hope this information helps out a bit. If there are any other questions that I can answer for you regarding this matter, please don't hesitate to reply here. \n\nThe following email sent to Venmo : XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing the negative balance and requesting escalation to an Account Specialist manager. I will also be filing a complaint with the Consumer Financial Protection Bureau.\n\nThis transaction does not meet Venmos dispute eligibility standards, as the payment was authorized, services were provided, was a peer-to-peer payment, and a partial refund was mutually agreed upon and completed. Enforcing a full refund after a completed settlement has caused financial harm and resulted in double recovery for the buyer.\n\nPlease provide : 1. Written confirmation that this decision is final after supervisor review.\n\n2. The specific section or policy in Venmos dispute eligibility standards or User Agreement that permits a buyer-favored dispute outcome for a personal, peer-to-peer payment between friends, given that Venmos dispute protections do not apply to personal payments and shared group expenses.\n\n3. Please cite the policy defining when services are considered not provided, in cases where the \" buyer '' fails to attend after confirming participation. \n\nPlease confirm escalation and next steps. \n\nVenmo 's XXXX : I hope you have a great week ahead. \n\nI'm * * * * from Venmo XXXX ready to help you today. \n\nThank you for letting us know about this. I realize why you want these concerns to be fixed as soon as possible because if I were in your position, I think I would feel just as you do. I am aware that this is a tough situation, but rest assured that I will work with you to find the best solution to your concerns. \n\nI checked it and I can see that the dispute to the payment from - XXXX XXXX XXXX XXXX XXXX XXXX  for {$130.00} on XX/XX/year> was already resolved. \n\nI know this isnt the outcome you were hoping for. Wed be happy to take another look at this case, but well need some more information in order to do that. Please provide new supporting documents and we can forward them to our Account Specialists for review. \n\nNew information or evidence could include ( but is not limited to ) : Missing information from the previous investigation Receipt or other paperwork Written communication with the merchant I hope this information helps out a bit and if there are any other questions that I can answer for you regarding this matter, please don't hesitate to reply here. We welcome all questions and queries that you want to tell us. \n\nHave a nice day and take care always.","date_sent_to_company":"2026-01-24T00:10:35.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"33418","tags":null,"has_narrative":true,"complaint_id":"18971665","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-01-24T00:04:51.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Enforcing a full refund after a completed <em>settlement</em> has caused financial harm and resulted in double recovery for the buyer.\n\nPlease <em>provide</em> : 1. Written confirmation that this decision is final after supervisor review.\n\n2."]},"sort":[9.334289,"18971665"]},{"_index":"complaint-public-v1","_id":"6555564","_score":9.211496,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX, XXXX, Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX only XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX WELLS FARGO Bank - XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia Re : Identity Theft concerns at WELLS FARGO BANK and the settlement agreement with U.S. Dept of Justice to pay customers for internal fee overcharges In America , free trade is intended to benefit the economy, businesses, as well as individual consumers with fair and honest transactions. Anti-Trust Laws are federal legislation intended to inhibit activities of large, well-funded, and highly networked American business enterprises from taking an overly aggressive and/or unfair advantage because of their size and networked organization within the business environment and financial markets. Entities such as banks and large corporations typically fall in this category. \n\nIn unison, these malicious and clandestine behaviors are continuous, collaborated, networked and intentional acts of discriminatory practices, cultural bias/prejudice, and other XXXX behaviors of XXXX AMERICAN business and public officials ( and their associates ) to financially harass, harm, and inhibit XXXX AMERICAN real property, land, and business-ownership. \n\n***SPECIAL NOTE*** As the Personal Representative of the XXXX XXXX XXXX, I, XXXX XXXX XXXX XXXX XXXX focused on securing access and all property rights to marshal my father 's estate assets for probate especially his real property situated at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX which is my personal residential home and my primary business location. I have never surrendered my equity, my access, or my rights to this property or any of my fathers asset properties. ***This Special Note is repeated for emphasis. *** On XX/XX/XXXX, Consumer Reporter XXXX XXXX, XXXX XXXX XXXX, detailed in her report that Wells Fargo customers were victimized with illegal practices that cheated customers on car loans, mortgages, and banking accounts by WELLS FARGO. According to Consumer Financial Protections Bureau ( CFPB ), a U.S. government agency, more than XXXX XXXX Wells Fargo accounts were subjected to these internal illegal practices. \n\nBusiness Reporter XXXX XXXX, XXXX XXXX XXXX XXXX, published on XX/XX/XXXX, that court documents indicated that Wells Fargo defrauded customers between XXXX and XXXX. As I listened closely to news reports about my bank, I was amazed at the information. These reports fed my spirit as they explained so much. The negative Customer Service issues I experienced in recent years and on Thursday, XX/XX/XXXX, must be documented to hold Wells Fargo accountable to the court settlements so that I can be compensated for the losses I have suffered. \n\nThis message details how my relevant concerns from Thursday, XX/XX/XXXX, are consistent with the crimes Wells Fargo XXXX committed and was found guilty of as prosecuted by the U.S. Department of Justice ( US-DOJ ) with input from the CONSUMER FINANCIAL PROTECTION BUREAU XXXX CFPB ). In XXXX settlement, Wells Fargo is currently under court order to repay its customers {$3.00} XXXXillion for overcharged fees and other losses. In a different settlement, Wells Fargo has been ordered to pay {$37.00} million in fines for overcharging some customers. The U.S. Dept of Justice believes Wells Fargo created a work environment and culture where defrauding or otherwise taking advantage of customers became normal business practice. \n\nCurrently, I have XXXX accounts open and active at Wells Fargo that I will continue to use. I am not closing my accounts so that I can continue to pay my bills, and I can remain engaged in the accountability process of the U.S. Dept of Justice with input from the CFPB. \n\nAlso, to protect my rights and my positive credit status, and to inhibit any new/other potential harms due to inappropriate use of my PII by Wells Fargo staff , an Identity Theft complaint has been filed with the Federal Trade Commission XXXX FTC ) along with subsequent complaints filed with the CFPB and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to be bound together with other previously filed complaints to be considered XXXX document. The activities described herein are as they occurred on XX/XX/XXXX, in the WELLS FARGO location on XXXX XXXX XXXX XXXX, XXXX, Georgia and is the triggering event for this complaint. This message is written to XXXX XXXX XXXX XXXX XXXX attention. \n\n***SPECIAL NOTE*** As the Personal Representative of the XXXX XXXX XXXX, I, XXXX XXXX XXXX XXXX XXXX focused on securing access and all property rights to marshal my father 's estate assets for probate especially his real property situated at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX which is my personal residential home and my primary business location. I have never surrendered my equity, my access, or my rights to this or any of my fathers assets properties. ***This Special Note is repeated for emphasis. *** XXXX XXXX, since you are the Branch Manager of the WELLS FARGO on XXXX XXXX XXXX XXXX, XXXX XXXX Georgia XXXX I regularly bank, this message is sent to your attention for follow-up and intervention where necessary. Due to the actions your staff put upon me and my accounts on Thursday, XXXX XXXX, XXXX, please be advised that an Identity Theft complaint was file on Monday, XX/XX/XXXX, with the Federal Trade Commission ( FTC ) that names Wells Fargo staff in your branch as violators who used my Personally Identifiable Information ( PII ) without my permission. I am a customer of Wells Fargo for many years and the quality of service has declined significantly. I have had to file numerous account and fee-related complaints. I have submitted numerous requests for investigation of concerns for potential fraud in recent years. The settlement with the U.S. Dept of Justice explains it all. Details in this letter fine tune my points. \n\nMy Wells Fargo banking accounts have been affected with overdraft fees even as the funds were available, or the check had been paid. Even though my no fee accounts met the criteria for no monthly fee to be assessed, a monthly fee suddenly started to be taken, and is still being taken out of my accounts. A couple of my accounts were closed by the bank for lack of use or no reason at all during the Pandemic. Previous vendors were given access to my accounts to allow payments for charges I did not authorize. Even after I notified the vendor and the bank that ANY pre-authorized access was no longer granted, Wells Fargo still allowed vendors to be paid for charges I did not authorize. Sometimes the funds were put back into my account immediately, then months later taken out again. During XXXX, over {$300.00} was taken from my XXXX account without any prior notice to me. These transactions happened all the time. \n\nConsistent with previously filed Identity Theft, Civil Rights, and mail fraud/ mail mismanagement complaints I filed against local public official and the U.S. postal service employees, Wells Fargo staff repeatedly started to fail to list my residential and mailing address correctly as I requested. At that time, I was unaware these actions were malicious and deliberate. In collusion with others seeking to steal my identity as the legitimate possessor/occupant of my fathers property, Wells Fargo staff tried to change my identity to be associated with my residential address since XXXX. This distraction started a few years ago, shortly after my fathers death and after several years of quality service where my address was no issue. Banks are furnishers of information that would impact the address on a credit history. \n\nThis simple task seemed to stump them until recently I shared that the address issues only existed within a specific region for Wells Fargo in Georgia. Everywhere else no problems. The tall man at the main Customer Service desk at the entrance of your branch was the person who cleaned up my address for accurate delivery of my mail as I needed to re-order and finally receive a XXXX  Debit Card. Submitting my address correctly worked. \n\nApparently, my fiduciary efforts to protect my fathers estate assets led to the discovery of clandestine diversionary tactics by XXXX  AMERICAN bad actors in government, in banking, and in the U.S. postal service to reveal a corporately applied agenda to facilitate illegitimate and illegal state, judicial, or financial takeovers of XXXX XXXX real property, land, businesses, and other financial assets such as with the XXXX XXXX XXXX that I administer. As the natural daughter and Personal Representative of XXXX XXXX XXXX, these actions become relevant to this Identity Theft claim against Wells Fargo. What your staff did was guided by XXXX AMERICAN supervisors with focus on the bigger picture of Civil Rights violations UPON people of XXXX at the hands of people of XXXX. \n\nBut for the guidance of XXXX AMERICAN executives, these violations of law inside the Wells Fargo Bank would not be possible. In unison, such practices are discriminatory to harm a specific class of AMERICAN CITIZENS as they violate U.S. Anti-Trust laws and are hereby submitted to the Consumer Financial Protection Bureau for review, oversight, and referral for additional investigation and legal intervention. \n\nXXXX example that I personally experienced : On XXXX, XXXX XXXX, XXXX, I spoke with Wells Fargo XXXX XXXX XXXX XXXX XXXX in the same office where XXXX XXXX and I XXXX. XXXX XXXX, a XXXX AMERICAN, interjected herself in my Customer Service visit and openly lied to me several times regarding my accounts. Her efforts were an attempt to trick me into paying Wells Fargo over {$400.00} that I did not owe just to replace a compromised account. Her focus was to harm my access to open other accounts within Wells Fargo and at other banksunless I paid the {$400.00}. Though it was a struggle for me, before I left that day my discussion, my documents, and my attention to details resolved most of that extortion agendabut not all. I saved those notes too. \n\nYour Branch Operations XXXX, XXXX XXXX, is aware of my other Identity Theft concerns as a Civil Rights matter. XX/XX/XXXX, I came into the branch to order a new debit card. On that visit to the XXXX XXXX XXXX branch, XXXX XXXX and I had a long and detailed conversation in a branch office regarding excessive overreach of CAUCASIAN AMERICAN public officials and how their behaviors have impacted my personal and business outcomes as I serve to protect my fathers estate. The detailed document of the complaint I submitted XX/XX/XXXX, to the Dept of Justice care of both Georgia XXXX is published on my XXXX XXXX  website ( XXXX : XXXX ). XXXX received my website information ( XXXX XXXX XXXX ) with an invitation to visit my educational platform, and to read for background on the youth group initiative. She asked me to adjust the age range to include her son. XXXX shared her personal email and phone number with me for that purpose. I still have those notes as well. \n\nXXXX XXXX, despite the judgments and fines recently announced against WELLS FARGO, this message details my experience on Thursday, XXXX XXXX, XXXX, in the XXXX branch ( XXXX XXXX ) on XXXX XXXX XXXX XXXX XXXX XXXX branch that you manage. After seeing the news reports and based upon my experiences, I would not be surprised to find that most of the Wells Fargo customers affected in the U.S. DOJ/CFPB settlement are disproportionality XXXX AMERICAN. Your staff continued the abuse previously adjudicated in a federal court as if no ruling had ever been issued as I came into the bank to cash a Wells Fargo check written to me. With all the previously noted issues and several debit cards that were delayed or not delivered by the U.S. Postal Service, I did not want to process the check through my account. I was told I had to use my account to get a Cashiers check and I had to pay a fee ( $ XXXX Cashiers check ). \n\nPer the settlement that WELLS FARGO made with the U.S. Dept of Justice and the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), this message is sent to notify Wells Fargo of my expectation of a settlement refund for all my financial losses due to excessive fees, inappropriate overdrafts, and other overreach incidents regarding all financial products and services-current and inactive. Also known as a CHARGEBACK, a settlement refund amount due to me accumulated over a period of years. I have filed numerous inhouse complaints with Wells Fargo. I expect nothing less than the full value not only for the actual financial losses, but I want compensation for the excessive time energy and money it took to remain solvent and stable in an illegitimate storm of deliberate confusion intended to steal my fathers real property estate asset. \n\nSince I had been in that branch and conducted business several times in the past, I thought I had built a cordial, faith-based rapport with XXXX ( Teller ) and XXXX Tookes XXXX XXXX XXXX  XXXX ). To keep from repeating myself across others in line and to increase privacy, I write a detailed note for bank tellers to read my banking needs for the day. This is my usual practice. \n\nA few minutes into my transactions they both ( XXXX and XXXX ) began to gaslight me with accusations of contentious and uncooperative behavior after they asked to hold my Drivers License in their hands, and when I said no. Even though I held it for them to view, both immediately became aggressive even trying to bully me to let them hold my it in their hand. XXXX even turned her face away to deny my banking needs with service refusal. Based upon my past encounters at other branches, this request was not standard procedure. When I present my bank issued debit or ATM card, my bank card verifies me. During and since the XXXX Pandemic, I prefer to hold my documents. At times, I could tell that they were communicating with someone over my shoulder-behind me, but I have no idea of who it was. My business was in front of me, so I was watching them. Im sure your bank has cameras if that information becomes an issue. \n\nTo get through the transaction, I inserted my bank card into the kiosk per usual procedure. I eventually gave my Driver License over to them because they threatened to not provide any banking service. As my banking transaction was being processed, I asked for my license back. XXXX XXXX was discourteous and contentious as she abruptly returned my id. When I was asked to confirm my transaction as correct and complete, initially it was not according to my request. My name was listed incorrectly. XXXX corrected that issue. \n\nThen suddenly, the printer went into reboot mode just as my documents were called for print, but it had just printed a check for another customers request. Ironically, XXXX happen to be standing near that printer. Both, XXXX and XXXX XXXX, repeatedly assured me that my documents ( Cashiers Checks associated with my account ) are valid when I questioned the printers sudden breakdown. \n\nNext, I noticed XXXX and XXXX XXXX set about completing another form on XXXX terminal without telling me what was happening. My drivers license was again requested to complete something they both said was required but gave me no clear details. I hesitantly returned it to them. I was asked to confirm the address on my Drivers License as it was held up possibly for someone behind me to see. It appeared that my license was being held up for someone behind me to see more than for me to see it. The Drivers License was not actually pointed in my direction. \n\nAnother damming indicator of PII abuse was their production and use of my Social Security number. XXXX of them wrote my SSN on the back of my note. I think it was the XXXX XXXX XXXX handwriting. Not only did I NOT GIVE my SSN to them ( in the Teller line ), neither of them asked for it from me. That information was obviously retrieved from my stored bank account profile by the XXXX XXXX XXXX. \n\nShe wrote my SSN on the back of my original transaction request note. Again, I did not provide nor authorize the use of my Social Security number on a form that I had no knowledge of. She returned my note by laying it face up on top of the teller counter with my SSN showing. Im sure the bank security cameras will verify my statements. I still have the note I wrote with my SSN in their handwriting on the back. They said the form was regarding my transactions, but they did not give me any specific details. \n\nI usually keep the back of my license covered to protect my identity so when I saw them open the back, I asked that the cover be closed. Their banking tasks did not require access to the back of my Drivers License. Both gruffed and complained as they accepted my direction. As I waited for my documents and my transaction receipts to be given to me, I felt uncomfortably vulnerable. They were already trying to gaslight my actions to be difficult, so I said very little. I felt violated as I watched my Personally Identifiable Information ( PII ) was being used for a purpose that I was not being informed of as if I had knowledge when I did not. Before exiting the teller counter, I slowly counted and recounted all my documents and checked my transactions to give time for them to share what/why my PII, especially my Social Security number was used for. They said nothing. \n\nThe XXXX XXXX, XXXX, actions of Wells Fargo personnel noted in this complaint are consistent with my previous Civil Rights complaints to include XXXX XXXX. Pandemic-related Fraud and other fraud-related overreach by XXXX  AMERICAN public officials, and USPS delivery fails. \n\nXX/XX/XXXX, XXXX I filed a Civil Rights complaint into the U.S. Dept of JusticeXXXX XXXX XXXX against XXXX local elected officials of XXXX XXXX, XXXX XXXX Georgia who refused to do their jobs and, thereby, exposed me and my father, XXXX XXXX, to multiple incidents of colluded harassment for the illegal encroachment of his real property assets. As I serve to probate my fathers estate, my complaint was submitted individually and through the offices of XXXX XXXX and XXXX XXXX. That XXXXpage document is posted on my website ( XXXX XXXX XXXX ) as My Story for full cultural disclosure. \n\nXX/XX/XXXX, XXXX filed an I.D . Theft/Fraud complaint against Georgia XXXX XXXX XXXX XXXX XXXX ) ( FTC Report XXXX XXXX ). \n\nXX/XX/XXXX, XXXX filed an I.D . XXXX complaint against the U.S. Post Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ( FTC Report XXXX XXXX ). All subsequent and future complaints are to be bound together as XXXX Civil Rights matter ( id # XXXX ) documented by XXXX XXXX XXXX of the XXXX XXXX XXXX. \n\nMonday, XXXX XXXX, XXXX, I filed an Identity Theft complaint against Wells Fargo-XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXbranch personnel specifically ( FTC Report # XXXX XXXX .. To protect my rights, the FTC requires follow-up letters be sent to notify furnishers of information to stop collection proceedings against me. In the case with Wells Fargo, to stop the harassment of my financial access -internal and external-, and to give my Wells Fargo bank accounts responsible oversight to prevent future unauthorized losses especially as directed by the settlement agreement with the U.S. Dept of Justice in association with the CFPB. This Wells Fargo Identity Theft Letter includes a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information is attached.\n\nAltogether, the tactics of public officers and their relevant agencies exposes a corporately applied agenda to facilitate the illegitimate and illegal state, judicial, or financial, takeover of XXXX AMERICAN-owned real property, land, businesses, and other financial assets such as the assets of the XXXX XXXX XXXX XXXX As I fulfill my responsibilities as Personal Representative, not only are these practices discriminatory they violate U.S. Anti-Trust laws to harm a specific group of Americans as a practice of discrimination. The outcome inhibits the growth of XXXX AMERICAN wealth and stable prosperity like a XXXX century version of XXXX XXXX XXXX XXXX but quieter, clandestine, insidious with technological advancements. \n\nAs part of my XXXX XXXX teachings, I am aware of other XXXX AMERICAN property/ land and business-owners who are similarly affected. Upon encouragement, they are filing their own Civil Rights complaints with the Justice Department to establish that the pattern of discriminatory practice, cultural bias/prejudices, and other XXXX behaviors exist in an Anti-Trust fashion. \n\nMy federal complaint summary and primary impact statement is as follows : Discovery of clandestine diversionary tactics by CAUCASIAN AMERICANS in govt, banking, and the U.S. postal service reveal a corporately applied agenda to facilitate illegitimate and illegal state, judicial, and/or financial takeovers of XXXX AMERICAN-owned real property, land, businesses assets. In unison, such practices are discriminatory to harm a specific class of AMERICAN CITIZENS and violate U.S. Anti-Trust laws. This XX/XX/XXXX, complaint against Wells Fargo ( FTC Report # XXXX ) is consistent with the Civil Rights complaints from XXXX XXXX XXXX, M.Ed. on XX/XX/XXXX, submitted to US-DOJ against XXXX XXXX  AMERICAN public officials care of XXXX XXXX and XXXX XXXX XXXX XXXX I.D . XXXX complaint against Georgia Dept XXXX XXXX XXXX XXXX ) ( FTC Report XXXX XXXX ) ; I.D . XXXX complaint against the XXXX Post XXXX XXXX XXXX, GA ( FTC Report # XXXX XXXX. All documents submitted to the U.S. Dept. of Justice are to be bound together and tagged with US-DOJ Reference id XXXX as if they are XXXX document of evidence. Thank you. XXXX XXXX XXXX, XXXX. \n\nIn closing XXXX XXXX, would you please transmit this message and the attachments to upline WELLS FARGO Corporate Fraud Oversight staff, and/or whomever remits payments to bank customers impacted by the U.S.-DOJ/CFPB court ordered settlements/claims so that my restitution check, or chargeback be process and delivered to me? A PDF copy of this message is attached to emailed messages. \n\nSincere regards, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX : XXXX XXXX-under separate covers : XXXX. XXXX XXXX and XXXX. XXXX XXXX, Consumer Financial Protection Bureau % Senator XXXX XXXX U.S. Dept of Justice-XXXX XXXX XXXX Federal Trade Commission XXXX FTC ) ( FTC Report XXXX XXXX, re : Wells Fargo XXXX XXXX, GA ) XXXX XXXX XXXX XXXX XXXX XXXX ( Reference id # XXXX )","date_sent_to_company":"2023-02-14T14:48:22.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6555564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-02-10T22:12:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["The tall man at the main Customer Service desk at the entrance of your branch was the person who cleaned up my address for accurate delivery of my mail as I <em>needed</em> to re-order and finally receive a XXXX  <em>Debit</em> <em>Card</em>. Submitting my address correctly worked."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[9.211496,"6555564"]},{"_index":"complaint-public-v1","_id":"18395019","_score":8.24123,"_source":{"product":"Debt or credit management","complaint_what_happened":"Subject : Formal Consumer Complaint Deuda Cero / Debt 0 Inc  and XXXX XXXX XXXX My name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and I am writing to formally report deceptive and unlawful practices committed by Debt 0 Inc ( also known as Deuda Cero ) and its affiliate XXXX XXXX XXXX. Their actions included misrepresentation, false legal advice, unauthorized withdrawals, and violations of both federal and Florida consumer-protection laws. \nI enrolled in Deuda Ceros debt-relief program in XX/XX/XXXX to manage several credit card accounts. Beginning in XX/XX/XXXX, I made monthly payments of {$470.00} for 13 consecutive months, totaling {$6100.00}. Payments were processed through the XXXX platform, which the company used to manage client escrow funds. \nDuring those 13 months, Deuda Cero only negotiated three accounts XXXX XXXX  XXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX in XXXX and XXXX XXXX in XXXX ). For my XXXX XXXX  account ending in XXXX, they requested that I increase my monthly payment, which I declined because I had just started a new job and could not afford more, and proposed to wait until XX/XX/XXXX for a reevaluation of my performance and a possible salary increase. Neither of my two XXXX accounts were ever negotiated, and two of my three XXXX accounts also remained unsettled. By collecting and retaining service fees from the very first month before achieving any settlement, Deuda Cero violated the FTC Telemarketing Sales Rule ( 16 C.F.R. 310.4 ( a ) ( 5 ) ), which states : Requesting or receiving payment of any fee or consideration for any debt-relief service until and unless : ( i ) the seller or telemarketer has renegotiated, settled, reduced, or otherwise changed the terms of at least one debt pursuant to the promised debt-relief service. This rule explicitly prohibits debt-relief companies from charging or receiving payment until a successful resolution with a creditor has been obtained. \nIn their official response to the CFPB, Deuda Cero falsely stated that : It is critical to note that the decision to stop paying creditors was made solely by XXXX XXXXXXXX Deuda Cero and its IAPDA-certified counselors do not advise clients to cease payments to creditors, as this is a personal financial decision. This is demonstrably untrue. On XX/XX/XXXX, at XXXXXXXX XXXX, I received an email from XXXX XXXX, a representative of Deuda Cero, explicitly instructing me to stop making payments on my credit cards while they handled the negotiations. The message stated 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 ( Starting today you must stop using and paying your credit cards ; if you have automatic payments scheduled, you must cancel them You will receive calls from creditors, which is normal, do not answer them so as not to interfere with the negotiation. ) ( Note : For reference, a screenshot of the original email is included at the end of this document, image # XXXX. ) This statement to the CFPB is not only false but also misleading in its intent. Debt-relief companies like Deuda Cero routinely instruct clients to stop making payments to creditors as part of their settlement strategycreating the appearance of financial hardship to push for reduced balances. For Deuda Cero to deny advising this practice contradicts both my written proof and the very foundation of their own business model. Their representation to the CFPB was therefore deceptive and made to mislead regulators into believing they acted in compliance with the Telemarketing Sales Rule, when in fact they relied on this exact method to operate their program. \nThis written instruction directly contradicts their claim to the CFPB that ceasing payments was my personal decision and clearly shows that I acted according to their programs guidance. \nWorse, Deuda Cero gave me false legal advice by instructing me not to attend court hearings for the XXXX accounts, stating that : You should not appear [ in court ] so that the administration does not remove the account from the program ; you must wait until an agreement is reached between both parties. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). ( Note : for reference, a screenshot of the original email is included at the end of this document, image # XXXX ) Following that advice directly led to XXXX XXXX  obtaining a Default Final Judgment against me in Case No. XXXX, and I recently discovered two additional lawsuits : XXXX XXXX. XXXX and XXXX, that were also filed while I was enrolled in the program. These cases proceeded without any defense or response filed on my behalf, despite Deuda Ceros assurances that negotiations were ongoing. As a direct result of their false legal advice and failure to act, I am now exposed to potential wage and bank account garnishment, additional court costs, and long-term credit damage. By providing legal instructions and advising me on court attendance without being licensed attorneys, Deuda Cero and its staff engaged in the unauthorized practice of law and misrepresentation, in violation of Fla. Stat. 454.23, which states : Any person not licensed or otherwise authorized to practice law in this state who practices law or holds himself or herself out to the public as qualified to practice law, or who willfully pretends to be, or willfully takes or uses any name, title, addition, or description implying that he or she is qualified, or recognized by law as qualified, to practice law in this state, commits a felony of the third degree This law forbids any person or entity from providing legal advice or representing themselves as authorized to practice law without a valid license. This unlawful conduct directly caused judicial harm through the resulting default judgments and exposed me to further financial and legal risk. \nAfter the judgment, the company went completely silent. For more than ten days, none of my emails were answered. When I called, I was told : XXXX XXXX will not pick up the phone until she has a final answer for the case, but dont worry, its being handled. I can verify this conversation occurred, as it took place through the companys main business phone line, and I have documentation confirming the interaction. \nLater, I was contacted by XXXX XXXX XXXX, who informed me that because several accounts had not been settled, I would need to increase my monthly payments by {$940.00} for 12 months ( a total of {$1400.00} ) to cover the XXXX accounts. This new payment plan would have required me to pay 100 % of the account balances, since the company had failed to negotiate any reductions. \nIt is also important to note that Deuda Ceros proposed amount was significantly higher than what XXXX had actually agreed on, the official monthly payment plan for both XXXX accounts totaled approximately {$750.00} ( {$360.00} and {$390.00} respectively ). Despite this, Deuda Cero was asking me to pay {$940.00} per month through them, even though they had not negotiated those accounts and the payment arrangements had already been set directly by XXXX after the default judgment. \nOn XX/XX/XXXX and XXXX, XXXX, I sent multiple written requests asking Deuda Cero to immediately stop all withdrawals and to provide their written refund policy for review. At no point did I request to cancel the program my intention was solely to pause payments until I could examine and understand their refund terms. Despite these written requests, the company never provided the refund policy nor gave any explanation regarding the handling of my remaining funds. \nFurthermore, on XX/XX/XXXX, Deuda Cero unlawfully withdrew {$1200.00} from my escrow account after receiving written instructions to stop all payments, transferring the funds into their own accounts without my knowledge or consent. ( Note : Please refer to image 3 for the screenshot of the Forth account transactions ) This unauthorized withdrawal constitutes a clear violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), which states : A preauthorized electronic fund transfer from a consumers account may be authorized by the consumer only in writing A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution This law protects consumers against unapproved electronic debits and requires express consent for any transfer of funds. \nAccording to their own contract, any remaining funds after termination or cancellation must be returned to the client, yet I received no refund or explanation. \nOf the total {$6100.00} I paid : {$3600.00} ( 59.6 % ) went to Deuda Cero and XXXX XXXX XXXX as service fees. \n{$1200.00} ( 19.6 % ) were unauthorized withdrawals made after I requested they stop payments. \n{$250.00} ( 4.2 % ) went to custodial and maintenance fees for the XXXX platform. \nOnly {$1000.00} ( 16.5 % ) were actually paid to creditors. \nIn total, Deuda Cero and XXXX XXXX XXXX retained or withdrew approximately {$4900.00} ( 79 % ) of all the funds I paid. Yet, in their response to my CFPB complaint, they falsely claimed that the program was out of funds and that all deposits had been properly allocated. This statement is demonstrably false. Their own transaction records and my attached breakdown clearly show that nearly 80 % of my payments were taken in fees or unauthorized withdrawals. It is therefore impossible for the program to be out of funds when the vast majority of the money I contributed was diverted to the companys own accounts rather than used for creditor settlements. \nAfter discovering the unauthorized activity, I contacted XXXX XXXX  XXXX, which opened a Regulation E investigation. The bank flagged the last three withdrawals as fraudulent and issued provisional credits totaling {$1400.00} ( the equivalent of three monthly payments ). The XXXX statements now show unauthorized and reversed entries and temporary negative balances as a result of the chargebacks until investigation is concluded. \nFurthermore, Deuda Ceros response to the CFPB falsely stated that my case was being actively negotiated, even though by that time two XXXX accounts had already defaulted and a final judgment had been entered by the court. This representation to a federal regulator was materially false and intended to conceal their inaction. Beyond that, Deuda Ceros overall conduct showed a complete disregard for its contractual and fiduciary duties : they continued collecting and redistributing funds after my written request to pause payments, ignored multiple emails seeking their refund policy, and failed to disclose how my remaining funds were handled. This pattern of nonresponse and concealment, followed by unauthorized transfers, reflects intentional misconduct rather than administrative error. These false statements, along with the companys failure to act in good faith, constitute a violation of the Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.204 ), which states : Unfair methods of competition, unconscionable acts or practices, and unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. prohibits deceptive, misleading, or unconscionable acts in the conduct of trade or commerce. Their misrepresentations to both me and the CFPB were intended to conceal negligence and mislead consumers about the effectiveness of their services. \nI respectfully request that the appropriate regulatory authorities conduct a full investigation into the actions of Deuda Cero / Debt 0 Inc and XXXX XXXX XXXX, and order : Full restitution of all funds collected and withdrawn ( {$4900.00} ). \nAccountability for the companys false legal advice, unauthorized withdrawals, and breach of contractual obligations. \nCorrective and enforcement measures to ensure compliance with consumer-protection laws and to prevent future harm to other consumers. \nI joined this program in good faith seeking debt relief, but instead, Deuda Ceros negligence, deception, and unauthorized actions left me facing court judgments, financial loss, and emotional distress. Their behavior was not just unethical ; it was illegal, and I am asking for this matter to be formally reviewed and addressed. \nI believe this case illustrates a systemic pattern of misconduct affecting other consumers enrolled in Deuda Ceros debt-relief program. Their deceptive instructions, failure to communicate, and mishandling of client escrow accounts warrant not only restitution but also a broader regulatory review of their operating practices. \nI am fully willing to cooperate with any investigation and to provide all supporting documentation upon request. I have preserved all relevant records, including email correspondence, call logs, escrow statements, payment confirmations, and other communications that substantiate every fact described in this complaint. My contact information is listed below for any follow-up or request for evidence. \n\nRespectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-31T18:21:13.000Z","issue":"Unauthorized withdrawals or charges","sub_product":"Debt settlement","zip_code":"33018","tags":null,"has_narrative":true,"complaint_id":"18395019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DEBT 0, INC","date_received":"2025-12-31T18:08:31.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["For my XXXX XXXX  account ending in XXXX, they requested that I increase my monthly payment, which I declined because I had just <em>started</em> a new job and <em>could</em> not afford more, and proposed to wait until XX/XX/XXXX for a reevaluation of my performance and a possible salary increase. Neither of my two XXXX accounts were ever negotiated, and two of my three XXXX accounts also remained unsettled."],"sub_product":["Debt <em>settlement</em>"]},"sort":[8.24123,"18395019"]},{"_index":"complaint-public-v1","_id":"8189166","_score":7.5262346,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  \nXXXX XXXX XXXX XXXX XXXX  (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX  \nCrown Asset Management,LLC\n\nXXXXXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX\n\n(Case 2) XXXX XXXX XXXX Crown Asset Management, LLC \n(Case 3) XXXX XXXX XXXX Crown Asset Management, LLC Claimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX XXXX XXXX (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXXXXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX. XXXX XXXX OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  XXXX XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXXXXXX XXXXXXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX  is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXXXXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Crown Asset Management, LLC, Duluth, GA Branch","date_received":"2024-01-19T16:35:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In XXXXXXXX XXXXXXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple <em>debit</em> <em>card</em> numbers were submitted and approved by possible random guessing without my <em>card</em> expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the <em>debit</em> <em>card</em> and my <em>debit</em> <em>card</em> was safely locked away and under my exclusive control at all times."],"sub_product":["Credit <em>card</em> debt"]},"sort":[7.5262346,"8189166"]},{"_index":"complaint-public-v1","_id":"7476099","_score":7.5262346,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hayt, Hayt XXXX Landau, P.LXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX\n\nReference HHL File # XXXX (6 files)\nReceived on XXXX XXXX, XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX, XXXX  at 1 (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX District of Florida, in case # XXXXXXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  dystopian novel XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX  The 1XXXX thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dateXXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on XXXXXXXX based on my XXXX/XXXX XXXXXXXX credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old elder male and XXXX with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and XXXX XXXX Moreover, last year I have been affected by XXXX XXXX XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes XXXX  any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.","date_sent_to_company":"2023-08-31T08:52:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7476099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hayt Hayt & Landau, P.L. (FL)","date_received":"2023-08-31T08:42:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple <em>debit</em> <em>card</em> numbers were submitted and approved by possible random guessing without my <em>card</em> expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the <em>debit</em> <em>card</em> and my <em>debit</em> <em>card</em> was safely locked away and under my exclusive control at all times."],"sub_product":["Credit <em>card</em> debt"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[7.5262346,"7476099"]},{"_index":"complaint-public-v1","_id":"7625065","_score":7.520654,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nReference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  \nSynchrony Bank, Legal Operations\nAttention: Arbitration Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nRe: American Arbitration Association consumer demands for arbitration case filings filed 9/17/2023 styled: Thomas Schultz versus Synchrony Bank awaiting filing fee payments billed for $600 for each case from Synchrony Bank as consumer AAA filing fees satisfied/paid \n\nDear Debt Collector:\n\nIt was a bright cold day in April, and the clocks were striking thirteen, XXXX XXXX XXXX at 1 (1961). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge Mark E. Walker, Northern District of Florida, in case # 4:22-cv-00324-MW-MAF, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of George Orwells dystopian novel 1984, the book that introduced the world to the concept of BIG BROTHER.  Judge Walkers OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed 11/17/2022.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1984 world of BIG BROTHER, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel 1984 writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian 1984 quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian 1984 Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on May 14, 2023 based on my Equifax credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent March 2023 CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated August 3, 2023 and Experian August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and Experian credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on 5/14/2023 based on my 5/14/2023 Equifax credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a 74 years old elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal Chapter 7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In ad","date_sent_to_company":"2023-10-01T14:38:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7625065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-10-01T14:10:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple <em>debit</em> <em>card</em> numbers were submitted and approved by possible random guessing without my <em>card</em> expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the <em>debit</em> <em>card</em> and my <em>debit</em> <em>card</em> was safely locked away and under my exclusive control at all times."],"sub_product":["Credit <em>card</em> debt"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[7.520654,"7625065"]},{"_index":"complaint-public-v1","_id":"7588805","_score":7.5170755,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX XXXX XXXX XXXX Pollack & RosenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX  \nReference # XXXX  back-dated attached XXXX XXXX XXXX. Notice of XXXX but mailed about XXXX and delivered XXXX and received XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX at 1 (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX, XXXX  District of Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  XXXX  strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking XXXX  is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  Judge XXXX  needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX  credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX  XXXX  citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years old XXXX  male and American XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires","date_sent_to_company":"2023-09-22T11:30:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7588805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pollack & Rosen, P.A.","date_received":"2023-09-22T11:22:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple <em>debit</em> <em>card</em> numbers were submitted and approved by possible random guessing without my <em>card</em> expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the <em>debit</em> <em>card</em> and my <em>debit</em> <em>card</em> was safely locked away and under my exclusive control at all times."],"sub_product":["Credit <em>card</em> debt"]},"sort":[7.5170755,"7588805"]},{"_index":"complaint-public-v1","_id":"7535422","_score":7.5170755,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX  \nXXXX XXXX, XXXX  \nRAS LaVrar, LLC\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX  \nReference # XXXX  & XXXX  dated XXXX XXXX XXXX & XXXX  Received on XXXX XXXX, XXXX  \nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX  XXXX, XXXX  at XXXX  (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX, XXXX District of Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of BIG BROTHER.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The XXXX  XXXX  strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of BIG BROTHER, the clocks striking XXXX  is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX  XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to XXXX, XXXX, XXXX, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX  XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  male and XXXX XXXX XXXXXXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $XXXX  shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX  Moreover, many of the XXXX XXXX  data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails a","date_sent_to_company":"2023-09-12T11:16:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7535422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RAS LaVrar, LLC","date_received":"2023-09-12T11:08:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple <em>debit</em> <em>card</em> numbers were submitted and approved by possible random guessing without my <em>card</em> expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the <em>debit</em> <em>card</em> and my <em>debit</em> <em>card</em> was safely locked away and under my exclusive control at all times."],"sub_product":["Credit <em>card</em> debt"]},"sort":[7.5170755,"7535422"]},{"_index":"complaint-public-v1","_id":"8181882","_score":7.5170174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nClaimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX case due to the normal mandatory default for complex claims exceeding XXXXXXXX  with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX at 1 (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in case XXXX XXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXXXXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the XXXX XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX  XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as XXXX XXXX XXXX XXXX XXXX, but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  XXXX  on Social Security with a XXXX  (XXXX) credit score???  Judge XXXX  needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least XXXX consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX  based on my XXXXXXXX XXXX  credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code XXXX into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX XXXX relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator XXXXXXXX  to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX   shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires XXXX XXXX XXXX XXXX to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth XXXX XXXX attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding XXXXXXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have XXXX  liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8181882","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-19T16:52:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple <em>debit</em> <em>card</em> numbers were submitted and approved by possible random guessing without my <em>card</em> expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the <em>debit</em> <em>card</em> and my <em>debit</em> <em>card</em> was safely locked away and under my exclusive control at all times."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[7.5170174,"8181882"]},{"_index":"complaint-public-v1","_id":"8189093","_score":7.4204583,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. XXXX XXXX XXXX XXXX XXXX XXXX (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX  \n(Case 2) XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n(Case 3) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\nClaimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX. In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX  XXXX XXXX XXXX XXXX sets the stage of exactly what to expect in his XXXXXXXX XXXX XXXX decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the XXXX XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the XXXX XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX XXXX XXXX XXXX to address the obvious.  Your appropriate response requires many many many more than XXXX  pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX  CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX  credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently XXXX  in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX  and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have XXXX  liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"InvestiNet LLC","date_received":"2024-01-19T16:24:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple <em>debit</em> <em>card</em> numbers were submitted and approved by possible random guessing without my <em>card</em> expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the <em>debit</em> <em>card</em> and my <em>debit</em> <em>card</em> was safely locked away and under my exclusive control at all times."],"sub_product":["Credit <em>card</em> debt"]},"sort":[7.4204583,"8189093"]},{"_index":"complaint-public-v1","_id":"7598442","_score":7.277596,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX\n\nReference # XXXXXXXX XXXX XXXX XXXX undated notice/letter\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX dystopian novel XXXX the book that introduced the world to the concept of XXXX XXXX XXXX XXXX  OPENING LINE sets the stage of exactly what to expect in his XXXX  page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score was impossibly reduced on my XXXX credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX dying XXXX  year old XXXX XXXX on Social Security whose bills were required to be paid by my Medicare and other insurance???  Since it is alleged you received $XXXX obviously that is enough and you must cease and desist communication and rebill insurance if your non-profit client is so desperate that it gives illegal aliens a free ride yet over bills US citizen XXXX  with insurance required to pay 100%. Why would I or anyone ever go back to Orlando Health???  Are they insane???  Is a fee of maybe $XXXX worth your time when you cannot report any nonpayment under $600 on my credit report? Do you plan to willfully violate the FCRA and FDCPA so I can obtain statutory damages of $XXXX per violation plus XXXX fold punitive damages per XXXX XXXX XXXX XXXX Do you want the CFPB and other regulators to come after you and your clients for fraudulent and deceptive practices? At a minimum, I demand every detailed document that exists including videos, regarding the alleged procedure including agreements, charges and notes by service providers.  Everything.  In XXXX XXXX Congress passed the NO SURPRISES ACT (NSA) which you and your client have willfully violated.  The NSA established rules outlining the need for providers to establish an independent dispute resolution process which prohibits your attempt to coerce me into paying bills that are more than what is actually owed. Obviously, you and your client have violated the obligations  imposed by the FDCPA with regard to interactions with health laws and regulations.  The CFPB issued a XXXX bulletin reminding debt collectors that attempting to collect a debt from a charge that exceeds the amount permitted by the NSA would violate the FDCPA.  Health care providers that generate an invoice that violated the NSA would also be held liable for the actions of debt collectors acting on other behalf.  Debt collectors and their clients would also willfully violate the FCRA if they report that a consumer must pay a debt from a charge that exceeds the amount permitted by the NSA.  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, which I demand a copy of any agreement, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I will make as many CFPB complaints regarding FCRA and other violations needed to stop you and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX  dated XXXX XXXX XXXX  and XXXX August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, so be warned about your obligations under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe any account with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  female and American with XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX  bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX  Why is data reported on XXXX XXXX  but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of F","date_sent_to_company":"2023-09-24T15:03:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"32836","tags":null,"has_narrative":true,"complaint_id":"7598442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Management Partners, LLC","date_received":"2023-09-24T14:48:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple <em>debit</em> <em>card</em> numbers were submitted and approved by possible random guessing without my <em>card</em> expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the <em>debit</em> <em>card</em> and my <em>debit</em> <em>card</em> was safely locked away and under my exclusive control at all times."]},"sort":[7.277596,"7598442"]},{"_index":"complaint-public-v1","_id":"6738682","_score":7.0489206,"_source":{"product":"Checking or savings account","complaint_what_happened":"Third in a series of related complaints against Wells Fargo # 1 filed with CFPB on XX/XX/XXXX Complaint # XXXX # 2 filed with CFPB on XX/XX/XXXX Complaint # XXXX # 3 filed with CFPB on XX/XX/XXXX Complaint # to be assigned. \nThe following is an absolutely true, verifiable report of Wells Fargo 's repeated, intentional, deceptive, criminal efforts to manipulate factual history by altering, manipulating, and inventing banking records, after the reported events had already occurred ( after-the-fact ), in an effort to.improperly and illegally profit from their banking clients, to create vicious circumstances to justify these deceptions as accurate, and to hide these deceptions from overseeing agencies, such as the CFP Relevant Historical Events between myself and Wells Fargo : In addition to the millions of false bank accounts and credit card accounts that WF created without the knowledge of their clients/account holders, for which WF received record fines and was required to pay penalties to these individuals and to the federal government - WF has engaged in other forms of deception and manipulation of banking records to profit from their clients.\n\nI would argue that much of WF entire business model is designed to profit from the falsification of its banking records and theft of the assets entrusted to them by consumers. \nI have already received two payments in compensation for Wells Fargo violations, nearly {$5000.00} in {$2000.00} and nearly {$400.00} in XXXX. \nThese payments were for two independent causes, though the basis for the payments overlaps. \nWells Fargo violated the Americans with Disabilities Act by creating 'mini-branches ' that were structurally deficient. They did not provide any option for seating of individuals with physical  disabilities that made prolonged standing impossible, or difficult, and painful. \nThe factual circumstances of the second violation is directly relevant to my current complaint. It provides undeniable proof that these current violations were absolutely intentional.and part of a systematic program to defraud and steal from its depositers by the manipulation of banking records and creation of entirely fictitious banking records, in an attempt to change established, factual events, after-the-fact. \nBeginning in XXXX, Approximately XXXX, Wells Fargo engaged in a series of intentionally fraudulent actions with my WF checking account. \nAs I would make deposits to my account and later, make purchases that drew from these fund, Wells Fargo began to change the order of historical events, to create a fiction. Well after deposits were made and transactions comp! eyed - all of which utilized only available funds- never in excess of available funds- WF would later change the banking record - reversing the order of transactions ( debits ) and deposits ( credits ). \nIn doing so, Wells Fargo created artificial Overdrafts in which funds were drawn in excess of available balance- before those funds were provided. \nAt the tine, I reported these events to several agencies, including the Consumer Financial Protection Bureau. You should have a record of these complaints. Fortunately, as I have in the current circumstances, I had \" screenshots '' - a digital photo of the current presenting screen on a computer - capturing a record or communication at a given time. In effect, it is a photograph of a transaction as it was reported at that time. \nMy screenshots proved that on least ten separate occasions, Wells Fargo reversed the order of my deposits and transactions to create a negative balance and charge me excessive overdraft fees. My screenshots clearly showed the transactions as they occurred and later, they showed the same banking records, intentionally manipulated by Wells Fargo. \nThese criminal acts are a matter of historical record and Wells Fargo was subject to and found guilty of these same actions to innumerable account holders in many states across the USA. \nI just happened to be one if those victims.\n\nYou would think that after record fines, WF would have learned their lesson but as I've communicated in prior communications with the CFPB, this behavior is integral to WF 's business model and only when penalties are greater than profits and executives are given prison time, will this criminal behavior cease.\n\nCurrent Events between myself and Wells Fargo : This is the third of individual but entirely connected complaints by myself against WF with the Consumer Financial Protection Bureau. \nSince these complaints each require individual cause to be considered XXXX complaints, they can be distinguished as follows : These events concern my Wells Fargo Social Security XXXX, direct deposit account and associated Visa debit/checking account. \n1. Complaint 1 - WF processed two transactions that I made with XXXX. Both transactions did not clear XXXX 's system, meaning on neither transaction was I able to complete the purchase I was making. I communicated with XXXX about this trouble with their online system, they acknowledged the problem and I made alternate arrangements. \nDespite these transactions not going through XXXX, WF put them both through as pending transactions. \nPrior to this, I had made a deposit of over {$1000.00}. I then transferred {$690.00} for a transaction to XXXX. There were several XXXX dollars remaining in my account On XX/XX/XXXX, I attempted the two transactions with XXXX. The online website for XXXX reported that the transaction failed. I attempted the transaction again. It also failed. \nNonetheless - WF put both transactions through my account - despite XXXX 's system - clearly rejecting both transactions.While these two charges were pending, I waited for them to 'drop ' from my account when WF had realized its error. Although it is quite likely that as XXXX 's system rejected the transaction, WF 's system should have responded in kind - unless their system was negligently faulty or there was intention by WF from the start, to falsify my transaction records.\n\nWhile these two charges were still pending, WF charged me {$35.00} for an overdraft fee. \nAs stated, after my {$1000.00} deposit and {$690.00} transaction to XXXX, there were my balance was positive. However, WF used these still pending transactions- improperly or mistakenly debited from my account- and created a negative balance, which they used to justify my overdraft fee. \nAs far as I know, pending transactions can not be used as the basis of an overdraft fee until it clears the account. This is especially true for transactions that were never approved by the merchant ( XXXX ). \nI reported this impropriety to WF. \nTheir email response on XXXX, was that I had one day grace period to pay the overdraft, which had resulted in a negative balance Following this, WF then dropped the pending XXXX transactions, made without XXXX 's consent, from my record. However, they retained the {$35.00} overdraft fee. \nI emailed and stated that they couldn't charge me an overdraft fee for a negative balance created by improperly processed, pending transactions, since withdrawn from my account. \nTheir response by email, was the first ( in this current event ), unquestionably, intentionally, falsified banking record. It stated that it was mot the pending XXXX charges that created a negative balance and resulted in this overdraft fee. \nI emailed WF and called them a liar. I provided screenshots to prove there were sufficient funds in my account before and after the XXXX transaction. \n*** First complaint filed with the CFPB on XX/XX/XXXX XXXX Complaint # XXXX I accused WF of intentionally and fraudulently manipulating my banking record to create a false overdraft circumstance from pending and withdrawn charges. \nI then received another email from WF - once again willfully, criminally, manipulating the existing bank records. Since I had provided screenshots that proved I had sufficient funds to cover the XXXX transaction, and the negative balance was the result if debiting my account for the improperly processed and pending XXXX charges - that had since been withdrawn from my record. \nThe next part is almost too incredible to believe if it were not for the absolute evidence and their established history of this exact form of deception. \nWF - days after the pending XXXX transactions had dropped from my bank record. After they claimed it was my XXXX transaction that caused the overdraft, after I emailed WF and stated : a. pending and withdrawn charges can not be the basis for an overdraft fee I attached : b.screenshot proof that the XXXX transaction could not have resulted in a negative balance and caused an overdraft fee because there were sufficient funds before and after the transaction. \nWells Fargo responded with further deception and newly fictitious bank records. \n\nWF NOW took the further step of justifying the overdraft and more importantly, hiding their previously manipulate banking records - BY REINSTITUTING THOSE SAME TWO XXXX CHARGES - that had been pending and DAYS AFTER THEY HAD BEEN WITHDRAWN. \nONCE AGAIN- they created a fictitious banking record, after the fact. \nThis time, it attempted to establish that the original two XXXX charges were not only valid charges made by XXXX on XXXX - despite neither transaction being successful and despite XXXX apologizing for my inability to make these transactions, WF NOW CLAIMED - that both XXXX transactions were valid - AND WERE NEVER PENDING - that both transactions actually cleared my account back on XX/XX/XXXX. \nWith this new rationale, my overdraft charge was no longer the result of a XXXX transaction for which I had proved there were available funds- and it was not the result of PENDING and WITHDRAWN XXXX charges. \nNOW - The overdraft was valid because it was the result of valid XXXX charges that cleared when they were first made on XXXX and created a negative balance. \n*** Second complaint with the CFPB on XX/XX/XXXX Complaint # XXXX ... on the basis that they had reconstituted false previously withdrawn charges AND were using that as the basis for my overdraft fee. \nFollowing this, over the next few days, these are the latest events. I told XXXX that WF had twins figured the charges. \nXXXX again acknowledged that WF had processed charges days after the fact, charges that they never approved. They told me they would try and get the charges reversed. In the interim, I heard from WF by email stating that they needed mire time to resolve the matter. \n\nMeanwhile, WF then, once again, reversed itself, creating new fictitious banking history, by \" provisionally '' dropping those two XXXX charges from my account. \nHowever, they refused to remove the original overdraft charge. \nI then received several communications from XXXX and requested that they involve their legal department and conduct their own investigation. Unfortunately, XXXX, was unwilling to deal with WF ( I can't really blame them ). \nXXXX decided to just pay me for those two charges that WF had re-instituted. However, they paid me thus money before WF had again removed these charges from my account.\n\nThus - I now have two payments from XXXX for transactions that never occurred the direct result of Wells Fargo is manipulation and creation of banking records, after the fact. \nToday, XX/XX/XXXX I received a letter from Wells Fargo. \nThey claimed they had resolved the matter and stated I needed to contact them by XX/XX/XXXX and notify them if I wasn't satisfied, they would consider the matter settled and closed. \nThey claimed they had resolved the situation- though no such resolution exists and even if it did, this has become much, much more than a banking error. \n1. I have received payments from XXXX for services that I never purchased, as a result of WF 's deceptions. I have no idea what the legal status of those funds is.\n\n2. The original overdraft fee was never removed from my account.\n\nWhat nerve, what gall WF has. So sure of its ability to abuse and defraud its consumers. \nOn XXXX called the number provided. They didn't even provide a contact person, just the requirement that I call XXXX. \nI made my call on XX/XX/XXXX between XXXX XXXX PT. I asked for a Supervisor. I asked for his employee identification number. \nHe flatly refused. All I could get him to state was that his name was XXXX and he was in N. Carolina. He was rude and borderline abusive. He kept interrupting me. \nI said, \" Fine. Whether you take note or not, I can honestly say that I called you at WF on this date and time, provided the WF claim # XXXX and stated that the matter was very much not resolved and that I would be making a third complaint to the Consumer Financial Protection Bureau. \nI, a XXXX  XXXX individual having previously had funds, stolen from me through Wells Fargo 's intentional deception and manipulation of my banking records- for which I received two separate financial settlements from Wells Fargo. \nOnce again, Wells Fargo is making my already impaired life that much more difficult and is stealing what very, very limited funds. In fact, this WF account is not only a direct deposit for social security XXXX ( XXXX ) payments but also for supplemental security income ( SSI ) payments. \nRestitution is not restoring my account to its prep manipulated state. Restitution is a heavy federal fine and a substantial payment to myself for the misery and hardships they have caused me - not once but twice. \nUnless you hold WF accountable and require that they compensate me for these abuses, you are telling them in no uncertain terms that there are no repercussions for defrauding their customers and in my circumstances, REPEATED defrauding me, an individual more susceptible to harm than most, on Permanent XXXX with an income that requires additional federal assistance. \nYou are telling WF that there are no negative consequences to manipulating and fabricating a federal direct deposit account. You are telling Wells Fargo that it is perfectly acceptable ton create fictitious transactions that require major, International corporations like XXXX, that they have the power to create fictitious charges for their services that require them to pay for services that were never provided, just to get WF off their back. \nHas this become the new norm? Wasn't the Consumer Financial Protection Bureauestablished to prevent these abuses- and when they do occur, to punish them through the only real, tangible form available, through financial penalties and required punitive compensation. \nAfter decades of these continued abuses, the executives who design these criminals approaches, now integral to their business models, are being financially compensated in amounts greater than ever before. \nOur refusal.to hold these corporations financially liable and the executives who earn more and more with no personal, legal liabilities. This refusal to dissuade, discourage, penalize, and prevent these ongoing criminal frauds, only worsens what many have identified as the greatest crisis currently tearing apart America. \nIt is the source of our ever-increasing social and political polarization. It is the ever widening canyon of class and economic status between the increasingly powerless, increasingly poor majority and the very select few, wth the privilege of legal immunity, political and social influence, and wealth is that is no longer measured individually in the millions but in the billions. \nWhere then, is the distinction between the willful criminal activity of the banks- and the willful refusal of government regulatory agencies, those individuals appointed or elected to protect us but fail to intervene, to punish, or prevent. \nWhy is this? What does it mean that banks are too large to fail? It means the fallout of such a failure would result in financial instabilities to all, including those in power, to a greater extent than the criminal activities and stolen assets that these banks freely engage in without any concern for personal consequence and minimal concern for corporate consequence.\n\nHow can this situation be resolved? I would like to see WF executives held criminally liable for these financial crimes. Why is their immunity assumed. Why is it that stock brokers and business managers and accountants are now receiving jail time for their financial crimes but bank executives have not?\n\nIf the US can prepare criminal charges against a former US President, why are bank executives held accountable? As a rational, realistic individual, I have little faith that any of the WF executives responsible for defrauding me will ever hear about it, let alone be punished for it.\n\nSo how else can I be compensated for fifteen years of financial abuse, theft, and complete disrespect? I can be paid compensation - money - something that will very tangibly improve my life and provide opportunities otherwise unavailable to meXXXX XXXX They paid me compensation before- they should do so again - but more. I am notunreasonable. I have a good understanding of my value and the time and energy they have robbed from me, a permanently XXXX man, whose time and energy is already limited. I am asking for a payment of {$25000.00}, a truly trivial amount to Wells Fargo but a realistic amount that will provide very real opportunities to improve my life.XXXX I had a legal education though I never was an attorney. If I went to an attorney for assistance, realistically, I think if an attorney was willing to represent me in this matter, it would be on a contingency basis. In that circumstance, the attorney would insist on a much, much greater amount of compensation. \nIt's also possible that an attorney or law firm would seek out similar cases to my own and form a class action suit. If other individuals have half the evidence I do, it could be a record award. \nAnd If I am not successful obtaining compensation for my hardship, it would be almost as good if Wells Fargo was required to pay fines - great, huge fines, in excess of their previous fines. \nI think it's realistic, given that repeating the same crimes has no excuse or mitigating factors. It practically requires near-crippling fines, certainly enough to reduce the available funds for executive bonuses.","date_sent_to_company":"2023-03-23T23:17:39.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"94117","tags":null,"has_narrative":true,"complaint_id":"6738682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-03-23T21:29:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["In the interim, I heard from WF by email stating that they <em>needed</em> mire time to resolve the matter. \n\nMeanwhile, WF then, once again, reversed itself, creating new fictitious banking history, by \" provisionally '' dropping those two XXXX charges from my account. 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