{"took":374,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":19,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8254610","_score":17.328335,"_source":{"product":"Checking or savings account","complaint_what_happened":"Originally on XX/XX/year> I purchased an engagement ring through XXXX. Unfortunately the ring was sent to the wrong address because XXXX dropped it off at the wrong address. I contacted XXXX and they did an investigation, which concluded with them finding that they indeed made an error and sent the package to the wrong address. \n\nI was going to XXXX in XX/XX/year> and was planning to propose there. XXXX and the resolution center was taking a longer time to resolve the issue. I then reached out to Wells Fargo. Wells Fargo gave me a credit for the purchase. During which time I was unaware that Wells Fargo needed additional information from me. Today XX/XX/year> Wells Fargo reversed the credit citing that I had not responded to a postal mail request from them. However, all my preferences for communication are set for email. \n\n\nMy account is currently overdrawn because I reached out to Wells Fargo for help. If it was a matter of simply sending them in anything I was more than able. I still have all the correspondence between myself, XXXX and XXXX. This is all because the engagement ring I ordered went to the wrong address. I am currently unemployed and my unemployment insurance has been very essential to my well being and now I am in a much more challenging place because of my bank.","date_sent_to_company":"2024-01-30T23:35:32.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"299XX","tags":null,"has_narrative":true,"complaint_id":"8254610","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-30T23:15:59.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["Originally on XX/XX/year> I purchased an engagement ring through <em>XXXX</em>. Unfortunately the ring was sent to the wrong address because <em>XXXX</em> dropped it off at the wrong address. I contacted <em>XXXX</em> and they did an <em>investigation</em>, which concluded with them <em>finding</em> that they indeed made an <em>error</em> and sent the package to the wrong address. \n\nI was going to <em>XXXX</em> in XX/XX/year> and was <em>planning</em> to propose there. <em>XXXX</em> and the resolution center was taking a longer time to resolve the issue."]},"sort":[17.328335,"8254610"]},{"_index":"complaint-public-v1","_id":"16115805","_score":15.095368,"_source":{"product":"Prepaid card","complaint_what_happened":"Subject : URGENT EMERGENCY Threatened Reversal of SSA Survivors Benefits for XXXX Children To : CTBP / DFPI Dear CTBP, I am writing to urgently request your immediate intervention regarding XXXXNetspendXXXX handling of my childrens Social Security survivors benefits . These benefits are federally protected under 42 U.S.C. 407, yet XXXX is threatening to reverse a provisional credit from an account that receives nothing except these benefits. \n\nThis is not a routine consumer dispute. This is about funds for minor children protected by law being put at risk through mishandling and attempted clawback. \n\n\n\n1. SSA Survivors Benefits at the Center of This Case My XXXX account is funded solely by SSA survivors benefits for my minor children. \nThese benefits are protected against reversal, seizure, or offset under federal law. \nI have submitted to you copies of the Social Security award letters for each child as proof. \n\n\n\n2. What I Requested from XXXX XXXX that no provisional credit reversal would be taken from these SSA benefits. \nEscalation of my case to XXXX legal team and upper management. \nFull explanation of why prior cases were marked no error found for months, only for XXXX to suddenly admit errors. \nTransparency on inflated Dynamic Currency Conversion ( DCC ) fees that diverted my childrens benefits unlawfully. \n\nXXXX client advocate, XXXX XXXX, admitted she can not stop the reversal. They closed cases as no error found and then reversed themselves, admitting three errors totaling {$110.00}. This is contradictory and deeply suspicious. \n\n\n\n3. Mishandling and Suspicious Findings For months XXXX claimed no error, then suddenly admitted to Netspend errors totaling {$110.00}. \nIf one case has errors, it is reasonable to suspect all the cases may have errors from XXXX onward. \nPayPals claim records show inflated amounts of $ XXXX and $ XXXX, which I never requested. I repeatedly told them on recorded calls that these amounts were incorrect. \nMy actual estimated loss is closer to {$2000.00}, but XXXX never corrected these inflated figures. \nI was told twice by representatives that my account was closed and a check was being mailed to me, which was false and suspicious. \nI received at least one XXXX  email implying fault on my part. \nXXXX XXXX {$110.00} refund was a token gesture, not a resolution. I told her I did not want it I want my childrens benefits protected and the mishandled cases corrected. \n\n\n\n4. Catastrophic Harm if Reversal Proceeds My family has already terminated our XXXX residency and housing. \nWe have plane tickets purchased for XX/XX/XXXX to relocate XXXX, tied to XXXX appointments we have waited a year for. \nIf XXXX reverses the {$1700.00} provisional credit, my children will be left with only {$760.00} of their monthly benefits, making relocation impossible. \nThis would cause irreparable harm : loss of housing, forfeiture of citizenship opportunity, and total disruption of our familys stability. \n\n\n\n5. Other Agencies Contacted Because this matter involves federally protected childrens benefits, I have already contacted : DFPI ( complaint already submitted with supporting documents ) SSA Office of Inspector General ( OIG ) ( multiple complaints submitted, though unable to attach all evidence online ) 6. Coordination with OIG and DFPI I am requesting CTBP to : Formally notify OIG on my behalf of PayPals ongoing threat to my childrens federally protected SSA survivors benefits. \nCoordinate with DFPI to ensure unified regulatory intervention, since DFPI already has some of my submitted evidence. \n\n\n\n7. Extreme Urgency XXXX has stated it will close my case on XX/XX/year> the very same day my childrens SSA survivors benefits are scheduled to be deposited. Multiple representatives, including XXXX XXXX, told me that if XXXX decides against me, they will immediately reverse those benefits. \n\nI specifically requested escalation to XXXX legal department and upper management, but XXXX XXXX admitted she could not stop the reversal and did not escalate as I requested. \n\nThis means my childrens benefits are at imminent risk of unlawful seizure. \n\n\n\n8. Requested Action from CTBP 1. Immediately order XXXX to freeze any case closure or reversal of provisional credit until CTBPs investigation is complete. \n2. Recognize formally that SSA survivors benefits can not lawfully be seized or reversed under 42 U.S.C. 407. \n3. Investigate XXXX and Netspends mishandling of these cases, including inflated claim amounts and misuse of DCC fees. \n4. Notify OIG directly and share the evidence I have provided, since their intake system does not accept attachments. \n5. Coordinate with DFPI to ensure consistent enforcement. \n6. Confirm in writing that XXXX has been instructed not to act against these funds during CTBPs review. \n\n\n\nClosing This matter is urgent and time-sensitive. XXXX is on record as planning to reverse funds that belong exclusively to my children. If CTBP does not act quickly to freeze this action until your investigation is done, federally protected benefits will be seized in violation of law, with catastrophic and irreversible harm to my family. \n\nI respectfully request CTBP to use its authority under the California Consumer Financial Protection Law ( Cal. Fin. Code 90015 ) to intervene, freeze XXXX actions, and ensure these survivors benefits remain protected. \n\nSincerely, XXXX XXXX Representative Payee for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX","date_sent_to_company":"2025-09-21T16:56:54.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"93446","tags":null,"has_narrative":true,"complaint_id":"16115805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2025-09-21T14:27:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Mishandling and Suspicious <em>Findings</em> For months <em>XXXX</em> claimed no <em>error</em>, then suddenly admitted to Netspend <em>errors</em> totaling {$110.00}. \nIf one case has <em>errors</em>, it is reasonable to suspect all the cases may have <em>errors</em> from <em>XXXX</em> onward. \nPayPals claim records show inflated amounts of $ <em>XXXX</em> and $ <em>XXXX</em>, which I never requested. I repeatedly told them on recorded calls that these amounts were incorrect."]},"sort":[15.095368,"16115805"]},{"_index":"complaint-public-v1","_id":"7006627","_score":14.040082,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My issues with Citibank started approximately four years ago. Identified approximate {$60000.00} with a fraudulent charges in XXXX using my card. In addition to these charges, the perpetrator of fraud gained access to my checking account making electronic payments to Citibank. The amount criminally withdrawn from my account was approximately {$18000.00}. In addition to the charges and checking account issues, my email, phone number and address were changed making access to my account near impossible. I made many attempts over a period of six months to communicate with Citibank to correct and reverse the fraudulent charges. It was clear the representatives felt I was the perpetrator of the fraud. Unfortunately, the Citibank representatives failed to make any corrections to my account. I was only able to make headway after having an extended chat on the Citibank website. It was a day after this conversation that a US based representative was able to initiate the investigation and soon the issue was resolved. Given the poor customer service at Citibank, I chose to not activate nor use replacement Citibank cards. \nApproximately 2 years ago, I was contacted via letter and phone by Citibank informing me of a balance due on my account. This was not the account number for any of the replacement cards sent me from the prior fraudulent charges. I called the Citibank representatives numerous times over several months and eventually the charges were reversed. It was my understanding this situation was resolved. However, I began to get phone calls and letters informing me of overdue charges on my account which was supposedly corrected. Again, numerous phone calls were made informing them of the prior fraud issues and these were likely more fraudulent charges. Despite these phone conversations I began to get repetitive phone calls, texts and letters regarding the overdue balance. Eventually, after many hours on the phone, I made contact with a representative who acknowledged the error at Citibank. The issue was related to service fees for the overdue fraudulent totally approximately {$300.00}. I was told this would be reversed and the issue rectified. Not long after this I received a letter from a collection agency for this {$300.00} balance. In addition, I found my credit rating dropped from approximately XXXX to XXXX. When calling the credit bureau ( XXXX ), they said Citibank sent negative credit rating for severely delinquent payment on the fraudulent charges and fees in my name. The collections company helped with getting the charges reversed by Citibank as they were known to be fraudulent. However, Citibank did not correct the issue with the credit bureau. More phone calls have been made without success or finding someone who has been able to make the changes to the credit bureau report that obviously need to be made. I filed a dispute for the second time with XXXX. They sent this to Citibank for review and I received a letter yesterday noting Citibank felt the negative report was accurate. \nI have run out of patience with this matter. Citibank is unresponsive, incompetent and negligent. A recent attempt to get financing for a garage renovation was rejected due to the Citibank negative credit bureau entry. I have not had any issue with credit in 45 years. My income yearly exceeds {$800000.00} and I always pay on time, pay balances to XXXX  monthly and usually pay off loans early. Citibank has severely impacted my credit worthiness due to their reckless practices. I have retained an attorney and plan to sue Citibank for damages. I would appreciate your assistance in punishment for their incompetence.","date_sent_to_company":"2023-05-21T20:33:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"75002","tags":"Older American","has_narrative":true,"complaint_id":"7006627","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-05-21T19:45:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Eventually, after many hours on the phone, I made contact with a representative who acknowledged the <em>error</em> at Citibank. The issue was related to service fees for the overdue fraudulent totally approximately {$300.00}. I was told this would be <em>reversed</em> and the issue rectified. Not long after this I received a letter from a collection agency for this {$300.00} balance. In addition, I found my <em>credit</em> rating dropped from approximately <em>XXXX</em> to <em>XXXX</em>."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Problem with a <em>credit</em> reporting company's <em>investigation</em> into an existing problem"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[14.040082,"7006627"]},{"_index":"complaint-public-v1","_id":"6956979","_score":12.424218,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint relates to a simple error committed by a merchant on XX/XX/XXXX in the amount of {$100.00}. On XX/XX/XXXX I entered an agreement with XXXX XXXX, and XXXX XXXX as their debt collector. The agreement contained a preauthorized electronic fund transfer agreement, and allowed for varying amounts. On the XXXX of each month XXXX was allowed to debit from my account {$21.00}, on the XXXX of each XXXX {$53.00} ( plus the normal monthly amount ), and a {$25.00} for NSF fees. The agreement, EFTA, and XXXX  XXXX contain no authorization for XXXX to debit any amount, whether varying or otherwise, or in anyway relating to a failure to cancel any contract, on any date other than the XXXX of any particular month. Here, XXXX debited the monthly due, the yearly due, and the NSF fee ( a varying payment of {$100.00} ) on XX/XX/XXXX, rather than on XX/XX/XXXX ; constituting clear and convincing error. On XX/XX/XXXX I contacted Key Bank to dispute the transaction on the above grounds. Key immediately provisionally credited the amount in error, and began investigating. On or about XX/XX/XXXX Key finished its investigation, and planned to reverse the credit on XX/XX/XXXX, finding no error because, \" Cancellation of services was not completed prior to the billing of the disputed transaction. '' However, Key did not properly notify me of the results of its investigation and the date it had scheduled to debit the provisional credit ; I had not received the letter until XX/XX/XXXX. On XX/XX/XXXX I called Key because the debit had seemed suspicious as it was not clearly labeled as a reversal. I requested an explanation of Key 's instigation and supporting documents. On XX/XX/XXXX, after having reviewed the explanation and the supporting documents I called Key to reassert the error ; this call lead to a showing of Key 's severe and systemic violation of the EFTA. After much back and forth the first employee ( XXXX ) informed me that there was a {$100.00} debit on XX/XX/XXXX ( the disputed transaction ) AND XX/XX/XXXX ( this debit did not appear on my periodic statement ). The XX/XX/XXXX debit was clearly what actually should have happened, a Preauthorized EFT in accordance with the agreement and EFTA ; rather than the XX/XX/XXXX which was clearly a merchant simply wanting to debit my account in a manner not agreed to in writing. XXXX had clearly realized this information was SUPPOSED to be hidden from me and claimed to have continuously keep \" Checking This ''. After further back and forth I asked to speak to a manager. The Manager claimed the XX/XX/XXXX payment was in fact a Preauthorized EFT, and admitted there was a debit on XX/XX/XXXX and claimed it should be on my periodic statement ; I informed her I had taken a screenshot of my account and the debit most certainly was not on the statement. I quoted to 15 USC 1693f ( e ) ( 2 ) and asked her if Key Bank gives the benefit of the doubt to consumers or to merchants, and she stated merchants. Flabbergasted, I quoted numerous other portions of the contract, EFTA, Reg E, and the documents Key provided and utilized in its initial investigation. After nearly a 2 hour phone call the manager finally agreed that the transaction constituted an error, and that she would REQUEST that the investigation be reopen. After the manager found that an error occurred, Key was clearly required to credit my account the amount in error within 1 day ; rather, a letter was sent to me stating Key \" received a request ... to reopen a previously denied claim ''. Now, 25 days after Key Bank found an error had in fact occurred, Key has yet to correct my account, whether provisionally or otherwise, or inform me that it has actually reopened and STARTED an investigation after my reassertion of error following review of the documents Key used to rely on to determine an error had not occurred. Key Bank 's violations of the EFTA/Reg E are clearly, at a minimum : failure to make an EFTA in a timely manner 15 USC 1693h ( a ) ( 1 ) ; failure to correct the error within one day after it determined an error occurred 15 USC 1693f ( b ) ; failure to provisionally recredit my account, make a good faith investigation, and did not have a reasonable basis for believing my account was not in error 15 USC 1693f ( e ) ( 1 ) ; knowingly and willfully concluding that my account was not in error when such conclusion could not reasonably have been drawn from the evidence available 15 USC 1693f ( e ) ( 2 ) ; an incorrect EFT from my account 15 USC 1693f ( f ) ( 2 ) ; the omission from a periodic statement of an EFT 15 USC 1693f ( f ) ( 3 ) ; my request for additional information 15 USC 1693f ( f ) ( 6 ) ; violations of Reg E 15 USC 1693f ( f ) ( 7 ) ; debiting a Preauthorized EFT on a different date than the one agreed to 12 CFR 1005.11 ( a ) ( vi ) ; failure to promptly investigate whether an error occurred, and complete its investigation in ten days due to its decision not to provisionally recredit my account 12 CFR 1005.11 ( c ) ; failure to notify me of the date the provisional credit would be debited prior to debiting it 12 CFR 1005.11 ( d ) ( 2 ). These violations may relate to its initial investigation or its ( non ) investigation following my reassertion after review of the documents used to rely on 12 CFR 1005.11 ( e ). The manager made clear that these violations are rooted in Key Bank policy and are standard practice at the institution.","date_sent_to_company":"2023-05-10T05:48:23.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"843XX","tags":null,"has_narrative":true,"complaint_id":"6956979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2023-05-10T04:26:43.000Z","state":"UT","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On or about XX/XX/<em>XXXX</em> Key finished its <em>investigation</em>, and <em>planned</em> to <em>reverse</em> the <em>credit</em> on XX/XX/<em>XXXX</em>, <em>finding</em> no <em>error</em> because, \" Cancellation of services was not completed prior to the billing of the disputed transaction. '' However, Key did not properly notify me of the results of its <em>investigation</em> and the date it had scheduled to debit the provisional <em>credit</em> ; I had not received the letter until XX/XX/<em>XXXX</em>."]},"sort":[12.424218,"6956979"]},{"_index":"complaint-public-v1","_id":"5569037","_score":12.079013,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX Re : XXXX  Gift Card Charges To whom it may concern : 1. Request I am writing to continue the dispute and dispute the investigation on the following charges below : Card ending in XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX I only have been given conditional credits on XXXX but disputed all charges listed above. \n\nCard ending in XXXX previously XXXX when originally disputed. \nXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Conditional credits were reversed for all charges on XX/XX/XXXX. I am now disputing your investigation. I was never provided any documentation into this investigation, after requesting. I do not believe the proper protocols were followed for unauthorized charges. \n\n\n2. Reason for dispute : Fraud I do not recognize these transactions and never authorized any of the charges above. I received a letter in the mail on XX/XX/2022 stating that Citi never received the information needed, and Citi had to continue the investigation with the information available. Citi said unfortunately, there wasn't a response from me and the investigation would not result in my favor. I originally disputed all of these charges on XX/XX/XXXX. I sent Citi information on XX/XX/2022 via the email account that was provided to me. I also requested full documentation of this investigation. I was never provided with any of this information. I was charged late fees during these disputes, as well. Then all conditional credits were reversed. I plan on exercising my credit card user rights and contacting the Federal Trade Commission and Consumer Financial Protection Bureau regarding the malpractice conducted in this investiagtion. Pursuant to XXXX Reason Code XXXX. Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. I refuse to pay for any of the unauthorized charges. Also, both accounts can be closed if this does not get resolved.\n\n3. Request Please credit the full amount to my account, all late fees removed, an accurate statement, all documentation regarding the investigation, and an open case against the merchant. I have always appreciated your timely and professional customer service. I am requesting copies of the full investigation in this dispute case. Thank you for your attention to this matter. \n\nSincerely, MM XX/XX/2022 Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX Re : XXXX XXXX XXXX XXXX XXXX ending in XXXX previously XXXX when originally disputed. \nXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX Card ending in XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX To whom it may concern : This letter is regarding the charges below sent to your disputes team. See letter below. Listed above and below are all the disputes that shouldve been under investigation since XX/XX/XXXX. Citi is not following the Fair Credit Billing Act and the Fair Credit Reporting Act. \n\nThe card issuer has 30 days to acknowledge receipt of a complaint. Some of the disputes were never acknowledged at all. I disputed ALL charges in the letter below in XXXX. Some of them were acknowledged and some of them were not. Its way past the 30-day time period.\n\nThe card issuer has two billing cycles to complete their investigation. Two billing cycles have come and gone. During that time the issuer is not allowed to try to collect the payment, charge interest on it, or report it to credit bureaus as late. Citi has charged interest, late fees, and tried to collect payment. Also, Citi has reported me to the credit bureaus for being late with payment. \n\nIf the card issuer finds that the disputed payment was invalid, it must correct the error and refund any fees or interest charged as a result. If it finds there was no error, it must explain its findings and, upon request, provide documentation to back them up. I have requested all documentation of these investigations. I have not received documentation to back up any decisions made my Citi.\n\nAny creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late. I will NEVER pay this. I will continue to dispute the charges online, like I did yesterday. I expect these charges to be off my account. Please credit my account. I will be filing a complaint with the Federal Trade Commission, Consumer Protection Bureau, and the XXXX XXXX XXXX \n\nXXXX XX/XX/2022","date_sent_to_company":"2022-05-17T03:21:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"17225","tags":null,"has_narrative":true,"complaint_id":"5569037","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-05-17T03:10:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["If the card issuer finds that the disputed payment was invalid, it must correct the <em>error</em> and refund any fees or interest charged as a result. If it finds there was no <em>error</em>, it must explain its <em>findings</em> and, upon request, provide documentation to back them up. I have requested all documentation of these <em>investigations</em>. I have not received documentation to back up any decisions made my Citi."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[12.079013,"5569037"]},{"_index":"complaint-public-v1","_id":"21142159","_score":10.895381,"_source":{"product":"Mortgage","complaint_what_happened":"I am a XXXX XXXX XXXXXX/XX/XXXX woman who has been wrongfully treated by Bank of America. They proceeded in calling my loan and ruining my credit through a series of errors that were not of my doing. \nBank of America erroneously made multiple errors and assumptions which started with the branch changing the name on my home loan XX/XX/XXXX. \nXX/XX/XXXX I went into the bank with Certification of Trust to move accounts into my Revocable Trust. XXXX XXXX XXXX XXXX immediately informed me she was unable to move the XXXX joint accounts ; I completely understood. \nWhen it came to my home loan XXXX ran into difficulties. After multiple attempts she asked her manager for help. The manager was also unsuccessful so she contacted the XXXX XXXX department. Eventually XXXX of the many instructions provided by the XXXX XXXX department worked. The change resulted in circumventing the system and forced an unauthorized entry ; also against bank policy. The task took several hours and even though XXXX didnt know not to touch home loans the person in the XXXX XXXX department should have. Lack of training and understanding bank policy is obviously apparent. I was not aware they were attempting and actually succeeded in making an unauthorized change to my loan. \nSince XX/XX/XXXX I have tried to correct the error made XX/XX/XXXX to no avail. This XXXX error compounded additional errors resulting in the bank calling my loan and damaging my credit by reporting a Foreclosure alert to the Credit Bureau. \nDuring these difficult months I requested for a single person within the bank who could take ownership and help to straighten out this mess, I was told there was no one. That I should continue calling the XXXX number provided in the ltrs. \nThe day I received a Foreclosure ltr I demanded my call be escalated to a manager. XXXX XXXX called me and after researching he stated from what he was seeing it appeared to be a miss understanding, and that it could be reversed. He didnt believe I had violated any of the bank terms regarding my loan. XXXX stated it looked like the whole issue started with someone in the bank making a mistake by assuming I had changed the ownership on the property. He felt it wouldnt take long to fix ; days not months to reverse and fix the mistake the bank made. On XX/XX/XXXX, XXXX asked me to fax a ltr to the Name and Title Change Unit stating the property was a second home and not a rental, along with XXXX bills I paid. I have a copy of the original home loan application clearly showing the house was bought as a second home. He was confident this was going to resolve the issue and reverse the pay off demand. \nI have been given various reasons by a variety of different people within the bank on why my loan was being called due. \nSome of the comments, I no longer occupy the property. It was purchased as a second home and noted as such on the home loan documents. \nThe bank mistakenly assumed the home had changed ownership ; this was from XXXX XXXX the XXXX XXXX working on my case. \nI needed the new owner to transfer the deed back into my name. Ive been the only owner and the deed is in my name. \nThe loan was past due. I have never been late on a payment until XXXX when my payment was sent back to me. XXXX person stated they didnt understand as he could not find any late payment notices ever being mailed. \nThat I wrongfully put the house in my trust, The borrower is no longer occupying the property as required by the Garn-St Germain Depository Institutions Act. Again the house was never my primary and was purchased as a second home. \nXX/XX/XXXX ltrs stating Unfortunately were unable to approve the title transfer you requested. Here s why, the borrower is no longer occupying the property. The house was purchased as a second home. I never asked for a title transfer. My primary is in XXXX XX/XX/XXXX and has been since the XXXX. \nXX/XX/XXXX received ltr stating As a reminder, per your loan agreement, you are required to get our approval before transferring the title to your property. When a title has been transferred without our approval, the lender may request payment of the entire loan balance. The title has always been in my name XXXX XXXX. \nXX/XX/XXXX spoke with XXXX who instructed me to fax over the request to cancel request for the entries made XX/XX/XXXX, XX/XX/XXXX faxed over the request to cancel request for the entries made XX/XX/XXXX. I never asked the bank to make any unauthorized changes. Apparently the fax was never received even though I have a confirmation. I had the branch fax and requested documents on my behalf. \nXX/XX/XXXX XXXX stating Action required-the title for this property was improperly transferred and needs to be fixed right away. Option XXXX, resend the title transfer or have the new owner transfer property title back to you ; the title has always been in my name. Option XXXX, pay off the loan in full. It is crucial to note that there is no new owner involved. \nXX/XX/XXXX upon receiving the XX/XX/XXXX ltr I called the XXXX number and spoke to XXXX on who confirmed the original fax sent by XXXX on XX/XX/XXXX was not received. \n\nXX/XX/XXXX I was finally connected with a XXXX, XXXX XXXX. I would like to note she was not sympathetic, acted as if I was an inconvenience, and I got the impression she did not understand or care to help me. After repeating myself multiple times trying to explain how my issue started she finally said it was because I had made a title change to the loan. I explained again I did not request the title change to the loan, it was an error made by the branch. That I had requested any changes made on XX/XX/XXXX be reversed. XXXX confirmed the first fax had not been received and to resend. Once again I requested XXXX person to work with until everything had been reversed and the payoff demand reversed. That because of the continued and compounding problems I did not trust just faxing documents to an unknown person. Or that this person would take the initiative to follow through to ensure resolve the many errors were fixed ; I was correct. Once again I was informed by XXXX there was no XXXX person I could work with. I needed to continue to call the XXXX number ; the following information show how that worked out for me. \n\nXX/XX/XXXX, XXXX faxed a second ltr requested by XXXX explaining the original fax sent XX/XX/XXXX to cancel name change. How the root cause of this problematic error started. And that I had conferred with my attorney who confirmed I was allowed to put said property into my trust and did not need to change the name on the deed ; my Revocable Trust for which Im the Trustee. Included the attorneys backup on the Federal law due-on-sale prohibitions. I finally was able to speak with a manager who did not understand and treated me as if I was in the wrong. She is the XXXX who stated the second fax needed to be submitted. \n\nI spoke to a XXXX in Texas office who stated my issue should be resolved by XX/XX/XXXX. \n\nXX/XX/XXXX a XX/XX/XXXXwas received acknowledging the fax had been received and was in the process of being reviewed. \n\nXX/XX/XXXX a XX/XX/XXXX was received XX/XX/XXXX, that my fax had been sent to aXX/XX/XXXX Specialist for further research. \n\nXX/XX/XXXX XXXX and I contacted the XXXX XXXX Department who confirmed the problem had been resolved. That I would receive written notification of this within the next XXXX to XX/XX/XXXX days. XXXX and I set a date to contact the XXXX XXXX Department in XX/XX/XXXX days if a XX/XX/XXXX had not been received. \n\nXX/XX/XXXX a ltr stating the monthly payment plan had been updated. None of which made any since to me. I assumed no action was necessary as I was setup for an automatic payment plan and had received similarXX/XX/XXXX where no action was required. \n\nXX/XX/XXXXXX/XX/XXXX received stating the automatic Pay Plan service had been cancelled because home was in foreclosure status. Not knowing what was happening I called Customer Support at XXXX number. I was transferred to the Debt Collection department for assistance XXXX. I explained that the situation had been initiated with a bank forcing a system entry and that XXXX XXXX XXXX the branch XXXX XXXX Assistant Manager had been informed that situation was resolved in XXXX. \n\nXX/XX/XXXX spoke to a XXXX who transferred my call to XXXX XXXX in XXXX North Carolina, said she needed to escalate my call to a manager. XXXX XXXX an XXXX XXXX located in the XXXX North Carolina office contacted me. He stated he was going to investigate and would get back to me. \n\nSeveral days later I received a call from XXXX stating he was still trying to get to the bottom of my complaint and problem. \n\nDuring the time XXXX was working on resolving my case I received a ltr from the XXXX XXXX XXXX XXXX. XXXX has been retained to conduct a non-judicial foreclosure sale pursuant to the Deed of Trust in favor of Bank of America. \n\nXX/XX/XXXX XXXX stated he believed he had my problem resolved and asked me to fax a ltr to the Name and Title Change Unit ; again I never requested a name change to my loan. This XX/XX/XXXX was to state that the property at XXXX XXXX XXXX was not a rental and that nothing had changed. And include copies of XXXX bills I receive at my primary residence that I pay for the house located at XXXX XXXX XXXX with the fax. And to have these documents emailed to him so he could ensure they were received. \n\nAll requested information was faxed to the XXXX XXXX XXXX at XXXX by XXXX at the XXXX XXXX. XXXX also emailed the documentation to XXXX per his request ; he confirmed the fax had been received. \n\nXX/XX/XXXX XXXX received an email from XXXX stating he had submitted my documents to the proper department but my fax will have also started the process, and he was out of the office ill. That there was a payoff quote sent by the bank, however he was trying to get that reversed with the XX/XX/XXXX I faxed. That it was safe to say let this step of the process play out. Any anything received before XX/XX/XXXX can be tabled for now. \n\nI received a ltr dated XX/XX/XXXX stating We have received written communication regarding your home loan. We are in the process of concluding our review. Upon completion we will provide a written response of our findings. ; I received no suchXX/XX/XXXX. This was the last commutation from the bank until a XX/XX/XXXX email stating I had important documents to review for the loan account. Reminder, all loan information, statements, and commutations for my home loan were blocked until XX/XX/XXXX. \n\nXX/XX/XXXX the loan payment was returned stating funds do not meet the criteria to be applied to account. I call the Customer Support at XXXX number. I was transferred to the Debt Collection department for assistance XXXX. No one was able to take my payment because of the Foreclosure status. Prior to mailing a check I tried making the XXXX payment in the branch, calling the XXXX reflected in all XX/XX/XXXX, and the banks Debt Collection unit, no one was able to process a payment, I finally mailed it with tracking. \n\nXX/XX/XXXX I was told XXXX was still out of the office. I called several more times the week of XX/XX/XXXX thru XX/XX/XXXX. Each time the person I spoke with stated they were sending XXXX an email to let him know I called. \n\n\nXX/XX/XXXX I called XXXX ( he was now back in the office ) requesting a status ; the payoff due date was XX/XX/XXXX. \n\nXX/XX/XXXX I called XXXX to let him know I was on my way to wire the money to pay off the loan. To please call me within the hour with an update on whether he was able to reverse the payoff demand. \n\nI never heard from XXXX after the XX/XX/XXXX email sent to XXXX. I believe XXXX had also emailed XXXX and didnt receive a response. \n\nI went to the branch and wired the money to pay off my loan so as not to have the house repossessed. \n\nDuring this whole time I was blocked from seeing any loan information online. Access was not granted until XX/XX/XXXX when XXXX payoff notices were send. On XX/XX/XXXX I received XXXX Payoff Statements were dated XX/XX/XXXX with a deadline of XX/XX/XXXX, XXXX dated XX/XX/XXXX with a new deadline of XX/XX/XXXX. \nXX/XX/XXXX I attempted to get a HELOC to cover the moneys I had to payout and was informed that my Credit Report had a Foreclosure reporting. I called the banks XXXX number to dispute the banks reporting of a Foreclosure. The escalation competition date was XX/XX/XXXX ; XXXX submitted escalation XX/XX/XXXXXXXX. \nXX/XX/XXXX spoke to an XXXX and he stated a statusXX/XX/XXXX was sent XX/XX/XXXX that all the account details are accurate regarding the foreclosure. So the foreclosure reported to the Credit Bureau would not be reversed. \nXXXX further stated the information he was seeing states the loan is past due ; I have never been late except when my XXXX payment was returned to me. XXXX also stated he was unable to locate where the bank had ever sent me a Past Due notice. My call was transferred to a different unit and new escalation claimXX/XX/XXXXXXXX was submitted. \n\nWith XXXX swipe of a computer key Bank of America forced a change in their system that has ruined my credit and my life. I wasnt even able to get a HELOC to pay myself back. In addition to all the fees and money it has cost me the stress has been horrific. I was basically a prisoner in my home day after day waiting for calls. HELP! \nRegards, XXXX XXXX XXXX ( home ) XXXX ( Cell, no reception at home ) XXXX ( Cell, no reception at home )","date_sent_to_company":"2026-04-10T20:19:15.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"94558","tags":"Older American","has_narrative":true,"complaint_id":"21142159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-10T19:50:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue with the loan closing"},"highlight":{"complaint_what_happened":["This <em>XXXX</em> <em>error</em> compounded additional <em>errors</em> resulting in the bank calling my loan and damaging my <em>credit</em> by reporting a Foreclosure alert to the <em>Credit</em> Bureau. \nDuring these difficult months I requested for a single person within the bank who could take ownership and help to straighten out this mess, I was told there was no one. That I should continue calling the <em>XXXX</em> number provided in the ltrs. \nThe day I received a Foreclosure ltr I demanded my call be escalated to a manager."]},"sort":[10.895381,"21142159"]},{"_index":"complaint-public-v1","_id":"8588835","_score":9.153327,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was the victim of an imposter scam involving my Chase checking account, XXXX XXXX  and XXXX involving 16 separate transactions with posting dates between XX/XX/XXXX and XX/XX/XXXX ( see below ). I went to Chase to dispute the charges and provided all the information required under Regulation E, Section 1005.11 ( b ) ( 1 ) to provide proper notice. The gentleman at the branch told me that the XXXX charges were not eligible for reimbursement and that he would submit the others as disputes. \n\nI inquired again about the XXXX charges because I understood that XXXX had announced that it would be reimbursing imposter scams, but was told again that the XXXX transactions were not subject to reimbursement. \n\nOn XX/XX/XXXX, I received reversals for 11 of the transactions, all except XXXX. There was no indication that these were provisional credit and no communication or notifications of any kind, just the reversals showing up in my bank account. \n\nOn XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Chase reversed the reversals for 6 of the credits and another one is pending reversal as of XX/XX/XXXX. Again, there was no communication from Chase, no letter, no disclosure, no explanation regarding the results of their investigation, etc. Additionally, each of these reversals are marked as transaction type \" ATM '' which is untrue and another error for regulation E purposes. \n\nAt no time did Chase provide me with the a report of the results of its investigation, in violation of Section 1005.11 ( c ) ( 1 ), which requires that \" The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. '' If the amounts provided were provisional credit, then Chase also violated Section 1005.11 ( c ) ( 2 ) ( ii ), ( iii ) which require that the institution does the following ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation; and ( iv ) Reports the results to the consumer within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). \n\nChase also violated Section 1005.11 ( d ) ( 1 ), in that it did not provide any written explanation of its findings, did not include the consumer 's right to request documents relied on it making its determination, and did not meet any of the requirements of Section 1005.11 ( d ) ( 2 ), which states as follows : ( 2 ) Debiting provisional credit. Upon debiting a provisionally credited amount, the financial institution shall : ( i ) Notify the consumer of the date and amount of the debiting ; ( ii ) Notify the consumer that the institution will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from the consumer 's account ( without charge to the consumer as a result of an overdraft ) for five business days after the notification. The institution shall honor items as specified in the notice, but need honor only items that it would have paid if the provisionally credited funds had not been debited. \n\nNor did it follow the alternative procedures : 1. Alternative procedure for debiting of credited funds. The financial institution may comply with the requirements of this section by notifying the consumer that the consumer 's account will be debited five business days from the transmittal of the notification, specifying the calendar date on which the debiting will occur.\n\n2. Fees for overdrafts. The financial institution may not impose fees for items it is required to honor under 1005.11. It may, however, impose any normal transaction or item fee that is unrelated to an overdraft resulting from the debiting. If the account is still overdrawn after five business days, the institution may impose the fees or finance charges to which it is entitled, if any, under an overdraft credit plan. \n\nFinally, XXXX announced in XX/XX/XXXX in response to Congressional and other inquiries that it would reimburse customers for imposter scams. Notwithstanding, Chase indicated that the XXXX transactions could not be reimbursed and XXXX does not provide a method to seek reimbursement directly through XXXX. \n\nFinally, Chase appears to have failed in its duty to monitor and prevent elder abuse and fraud with this situation. Banks are mandated reporters of suspected Elder Abuse under Californias Financial Elder Abuse Reporting Act. Cal. W & I Code 15630.1. Financial abuse of an elder or dependent adult occurs when a person or entity ... [ t ] akes, secretes, appropriates, obtains, or retains real or personal property of an elder or dependent adult for a wrongful use or with intent to defraud, or both. Cal. W & I Code 15610.30 ( a ) ( 1 ). The law provides that \" suspected financial abuse of an elder or dependent adult '' occurs when a person who is required to report under subdivision ( a ) observes or has knowledge of behavior or unusual circumstances or transactions, or a pattern of behavior or unusual circumstances or transactions, that would lead an individual with like training or experience, based on the same facts, to form a reasonable belief that an elder or dependent adult is the victim of financial abuse as defined in Section 15610.30. Cal. W & I Code 15630.1 ( h ) ( emphasis added ). \n\nIn this case, those at the bank should have formed a reasonable belief that I was the victim of financial abuse. Certainly, the pattern of behavior was suspicious. I am XXXX XXXX XXXX and have never sent any money using XXXX XXXX. Over a period of about 7 days and through 16 different unusual transactions involving XXXX XXXX and XXXX, totaling over {$14000.00}. \n\nThe transactions should have triggered their elder abuse red flags or other red flags that could have mitigated the harm. \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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-03-20T22:02:19.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"945XX","tags":"Older American","has_narrative":true,"complaint_id":"8588835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-20T21:14:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, XX/XX/<em>XXXX</em>, XX/XX/<em>XXXX</em> Chase <em>reversed</em> the reversals for 6 of the <em>credits</em> and another one is pending reversal as of XX/XX/<em>XXXX</em>. Again, there was no communication from Chase, no letter, no disclosure, no explanation regarding the results of their <em>investigation</em>, etc. Additionally, each of these reversals are marked as transaction type \" ATM '' which is untrue and another <em>error</em> for regulation E purposes."]},"sort":[9.153327,"8588835"]},{"_index":"complaint-public-v1","_id":"17135118","_score":8.872048,"_source":{"product":"Mortgage","complaint_what_happened":"I. Core Event XX/XX/XXXX Admission On XX/XX/XXXX, a NewRez/Shellpoint agent admitted on a recorded call that {$12000.00} of borrower payments were unapplied and promised allocation of {$8000.00} toward XXXX and XXXX payments with a {$4000.00} refund. \nThis admission, verified by recording and transaction data, was never honored. Subsequent calls produced contradictory statements, new totals, and later a written response blaming agent error. \n\nThat reversal confirms the existence of no functioning control systema total collapse of governance and supervision throughout NewRez, Shellpoint, and by extension, their parent, XXXX XXXX XXXX XXXX \n\n\n\nXXXX. Pattern of Misrepresentation and Internal Disorder Across XXXX recorded calls, agents delivered mutually exclusive statements regarding balance, payment posting, and unapplied funds. \nEach agent quoted a different total for the same due date. \nConfirmed ACH drafts were not reflected in ledgers. \nPayment application tasks were promised, opened, and never executed. \nPortal balances shifted within XXXX hours without explanation. \n\nThese inconsistencies demonstrate systemic control failure, not clerical error. The later claim that our agent made a mistake merely concedes that the company lacks any internal consistency or compliance supervision. \n\n\n\nXXXX. Legal Violations 12 C.F.R. 1026.36 ( c ) ( 1 ) Failure to credit payments as of the date received.\n\n12 C.F.R. 1024.35 ( b ) ( 1 ) Failure to correct acknowledged servicing errors.\n\n12 C.F.R. 1024.41 ( g ) Continuation of collection/foreclosure during active dispute. \nEach violation multiplied by every misapplied payment constitutes a regulatory offense. \n\n\n\nIV. Fiduciary Oversight and Corporate Governance Failure A. Applicable Standards XXXX. In re XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX. Ch. XXXX ) XXXX duty to implement and monitor information systems ; knowing failure = bad-faith oversight. \nXXXX. XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX. XXXX ) Directors must monitor mission-critical risks ; ignorance equals loyalty breach. \nXXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Executives incur personal exposure for reckless disregard of control breakdowns. \n\nB. Application to XXXX XXXX XXXX XXXX \nGovernance chain : XXXX XXXX XXXX XXXX XXXX, XXXX, Chairman XXXX XXXX Chief Financial XXXX / Chief Accounting XXXX XXXX XXXX Chief Legal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Managing Directors Findings : XXXX. Mission-critical failure : Mortgage-servicing accuracy is XXXX core business function. Allowing inconsistent unapplied-funds handling constitutes a XXXX breach XXXX \nXXXX. Absence of escalation : No evidence the XX/XX/XXXX red flag or subsequent contradictions reached the boardviolating Boeings monitoring mandate. \nXXXX. Willful blindness : Accepting the agent-error explanation without independent audit meets XXXX definition of reckless disregard. \nXXXX. SOX certification risk : Repeated servicing irregularities undermine internal-control assertions under XXXX XXXX & XXXX XXXX rendering XXXX XXXX certifications suspect. \n\nThese failures expose XXXX board and senior officers to derivative liability for breach of fiduciary duty and bad-faith oversight. \n\n\n\nXXXX Governance Collapse Summary When a parent corporation allows its servicing subsidiaries to issue contradictory financial representations, the problem is structural. \nXXXX inability to produce a single, reconcilable ledger for this loanand likely thousands moremeans its financial statements and SEC filings may be materially misstated. \nThis is not an operational error ; it is a governance crisis spanning the CEO to the audit chair. \n\n\n\nVI. Monetary Demand and Exposure Category Basis Amount Immediate remedial application/refund Unapplied payment pool reconciliation {$100000.00} Compensatory damages Economic, credit, emotional harm {>= $1,000,000} Statutory / treble Willful violations of federal servicing rules {>= $1,000,000} Punitive adjustment Governance & fiduciary collapse {>= $1,000,000} Total Exposure {>= $1,000,000} XXXX. Demands for Immediate Action XXXX. Full transaction export ( XXXX ) : all timestamps, user IDs, and reversal codes. \nXXXX. Immediate application/refund of all unapplied funds with corrected amortization schedule. \nXXXX. Written certification from XXXX XXXX and XXXX XXXX confirming reconciliation accuracy. \nXXXX. Rescission of any foreclosure or collection actions initiated during unapplied-fund periods. \nXXXX. Updated credit bureau reports reflecting corrected payment history. \nXXXX. Regulatory notification to CFPB and XXXX within XXXX business days outlining corrective plan. \n\nUnderstand, State Regulators are already involved and have stated they have pulled all CFPB Complaints to move. \n\n\n\nXXXX. Closing NewRezs claim that an agent made an error is an admission that no one within XXXX mortgage-servicing empire knows where borrower funds reside. \nSuch ignorancepermitted and perpetuated by senior officersconstitutes reckless, bad-faith governance under XXXX, XXXX, and XXXX. \nUntil XXXX delivers a verified ledger and issues full restitution, it remains in active breach of fiduciary duty and federal law. \n\nXXXX XXXX XXXX, Tennessee Addendum Rebuttal of NewRezs XX/XX/XXXX Dispute After acknowledging on XX/XX/XXXX that {$12000.00} of borrower funds were being held unapplied, NewRez/Shellpoint later reversed course and submitted a written statement claiming that its own agent had made an error. \nThat reversal can not withstand factual scrutiny : XXXX. Verifiable Recording. The call is preserved in full. The agent confirmed specific dollar amounts {$8000.00} will be applied, and {$4000.00} refunded. Those numbers match contemporaneous ledger values visible in the borrower portal. \nXXXX. System Synchronization. Within XXXX hours of that call, the transaction history displayed corresponding task completed entries and the unapplied-funds total declined to {$0.00}. That digital signature proves the company itself executed changes consistent with the agents promise. \nXXXX. Subsequent Contradictions. XXXX later representatives ( XXXX, XXXX, XXXX ) referenced completed tasks or unapplied balances without noting any correction, demonstrating that no single internal record source exists. \nXXXX. Failure to Preserve Evidence. When confronted, NewRez produced no internal ticket number, supervisor review note, or quality-assurance record. Under 12 C.F.R. 1024.35 ( c ), servicers must retain evidence of investigations into asserted errors ; failure to do so confirms non-compliance. \nXXXX. Constructive Knowledge. By invoking agent error without reviewing the underlying ledger event or recording, management acted with reckless disregard of the truthprecisely the XXXX definition of bad-faith oversight.\n\nTherefore, the agent error defense is affirmative evidence of a cover-up : it proves that NewRezs internal systems permit unverified, retroactive alteration of financial data. The reversal transformed a documented, verifiable correction into a false narrative to evade liability. That act converts operational negligence into knowing misrepresentation.\n\nThis momentXXXX XXXX followed by the written denialmarks the precise breach point where : NewRezs internal controls failed ; Rithm Capitals governance obligations under XXXX, XXXX, and XXXX attached ; and Executive certifications under XXXX XXXX & XXXX became unreliable. \n\nHenceforth, every inconsistent balance or unapplied-fund fluctuation is imputed to XXXX leadership as an ongoing fiduciary violation, not a servicing variance.","date_sent_to_company":"2025-11-11T01:46:34.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"17135118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-11T01:26:27.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Until <em>XXXX</em> delivers a verified ledger and issues full restitution, it remains in active breach of fiduciary duty and federal law. \n\n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Tennessee Addendum Rebuttal of NewRezs XX/XX/<em>XXXX</em> Dispute After acknowledging on XX/XX/<em>XXXX</em> that {$12000.00} of borrower funds were being held unapplied, NewRez/Shellpoint later <em>reversed</em> course and submitted a written statement claiming that its own agent had made an <em>error</em>. \nThat reversal can not withstand factual scrutiny : <em>XXXX</em>."]},"sort":[8.872048,"17135118"]},{"_index":"complaint-public-v1","_id":"3658697","_score":8.8709545,"_source":{"product":"Checking or savings account","complaint_what_happened":"To whom it may concern, On XX/XX/2020, my partner contacted USAA savings bank to file a dispute to receive the money paid to XXXX for a trip to XXXX. When my partner spoke with the representative over the phone, the representative asked a series of questions and submitted the claims to the dispute department for review. There were temporary credits placed into our checking account, of roughly {$1800.00} immediately. On or around XX/XX/2020, we received notification that the temporary credit would be reversed because our dispute had been resolved in favor of the merchant due to a stoppage of services considering the pandemic. We immediately called the bank to try to understand what was happening. The bank notified us that we would have to contact the merchant to retrieve our monies. We explained multiple times that the bank had shut down all customer service channels and there was no way to get in contact with them. We requested that the dispute be forwarded back to the dispute team. There was pushback from the representative and we requested to speak with a supervisor on staff. We were forwarded to a woman who was not a supervisor and who kept insisting that we contact the merchant for assistance. The representative attempted to XXXX a number for us to call and after we told her multiple times that we have exacerbated all numbers that we could find on any search engine. After going back and forth with the representative, we requested that she put in a request to speak with the dispute team and disconnected the call. The first dispute person who contacted us and stated that we may be able to resubmit the dispute if we could provide tangible proof that XXXX  canceled our trip. If documentation would have made a better case for us, then why wasnt this documentation requested the first time? Nevertheless, with hopefulness, we provided this documentation, along with documentation from the hotel stating that they received reservation but were not paid, documentation from the airline that shows our reservation was canceled XXXX  but did not have a payment to provide credit to us, and documentation showing attempts of us emailing customer service with undeliverable notifications. After providing all of this, the dispute was resubmitted, and we awaited the call. Around this time, we realized that the dispute had been submitted as a banking error and not under services not rendered so, we called the bank and filed a new dispute under the correct filing. The next call we received from the dispute team was less than favorable. The representative reported that there was nothing further that they could, and the documentation would not change the outcome of the decision. The bank still insisted that we contact the merchant. We went back and forth with the representative trying to find answers to what we could do to figure this out so we could obtain our money from the merchant since they obviously had no intention of returning our money. This representative hung up in our face ; thus, we contact a banking supervisor. The banking supervisor was helpful and submitted yet another request for us to be contacted by the dispute team supervisor. \nThe dispute team supervisor contacts us later that day stating that the bank was making changes to their process to see if there was anything additional, they could do for their multiple members having the same issue with XXXX. However, she also reported that our dispute could not go any further because the initial dispute was filed as a recurring charge and that our payment plan with XXXX  is not considered a recurring charge. When we asked her to explain what a recurring charge is considered, she explained that it is like a subscription service. We then asked her to explain why the bank expects members to know what the bank considers a recurring charge when guidance is not provided. The average person would consider a recurring charge to be something that happens repeatedlypayment plans, and even monthly bills take out the money in a recurring manner. The supervisor stated that the banking team takes notes on what is being told to them by the member and that the banking team does not have training in disputes. She also reported that the dispute team will call the members if they feel as if an error has been made. When we asked the supervisor why we were not contacted, despite having several disputes from other members for the same merchant and ours being listed as a recurring charge, she reported we wouldnt know it was recurring until the merchant responds back to our dispute. \nThe USAA dispute team had us gathering documentation, sitting with long hold times with other businesses, and providing our findings to USAA for the supervisor to report that our outcome would not have changed from the initial submission on XX/XX/2020. Next, the supervisor stated that disputes can only be filed once and our case would close, for good. The supervisor could not determine if this is a rule of USAA or VISA. After emailing personally emailing VISA, this is a personal rule of USAA and it is problematic. This entire process is disconcerting to all our time and efforts put into ensuring that USAA had what they needed to assist in disputing our case. \nThe dispute team at USAA failed to take any accountability for their lack of action in ensuring that their members understand the information given to them. Many times, the representatives could not answer questions and stated that only the dispute team could answer them. The dispute team is unable to be reached directly and a request must be submitted each time for them to call you back within 48 hours. If representatives who are gathering information for disputes, and disputes can only be submitted once, why are these representatives not being trained on dispute processes and ensuring that the member understands the jargon of the bank? If the initial representative would have provided guidance on what USAA considers a recurring charge, our outcome may be different at this time. Additionally, if disputes can only be submitted once, then why isnt the USAA dispute team contacting members before submitting the filed dispute to provide final guidance since they are the ones with proper training for submission? We understand the bank is a business ; however, a bank can not do proper business without customers who trust that their money is protected. This entire process has felt that USAA does not protect its members interests and will side with merchants in dispute cases without a proper investigation or guidance. \n\nBe well, The XXXX Family","date_sent_to_company":"2020-05-19T05:02:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"08902","tags":"Servicemember","has_narrative":true,"complaint_id":"3658697","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-05-19T03:39:47.000Z","state":"NJ","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On or around <em>XX/XX</em>/2020, we received notification that the temporary <em>credit</em> would be <em>reversed</em> because our dispute had been resolved in favor of the merchant due to a stoppage of services considering the pandemic. We immediately called the bank to try to understand what was happening. The bank notified us that we would have to contact the merchant to retrieve our monies."],"company_public_response":["Company believes complaint is the result of an isolated <em>error</em>"]},"sort":[8.8709545,"3658697"]},{"_index":"complaint-public-v1","_id":"8865643","_score":8.542443,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to bring to your attention a matter of significant concern regarding the treatment of consumers, particularly those who qualify for and receive government XXXX XXXX benefit payments through prepaid debit cards issued by the Bank of America. The issue at hand pertains to the definition of \" Affected Consumers '' as outlined in the Consent Order issued by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. \n\nViolation of Consumer Financial Protection Laws The Consent Order issued by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, sheds light on several XXXX violations committed by [ XXXX ] in its administration of XXXX XXXX  benefit prepaid debit cards. These violations directly impact individuals who filed notices of error concerning alleged unauthorized electronic fund transfers ( EFTs ), thus warranting immediate attention and remedial action. \n\nXXXX XXXX XXXX XXXX XXXX is found to have engaged in unfair acts or practices, contravening XXXX XXXXXXXX and XXXX of the Consumer Financial Protection Act XXXX XXXX ( XXXX ), as well as provisions of the XXXXXXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX The core infractions identified include : XXXX. Misuse of XXXX XXXX XXXX : XXXX unjustly determined the absence of error and froze cardholder accounts solely based on the outcomes of its automated XXXX XXXX, without conducting thorough investigations. This practice violates consumer protection statutes and undermines the rights of affected individuals. \n\nXXXX. Failure to Conduct Reasonable Investigations : XXXX neglected to conduct reasonable investigations into notices of error filed by unemployment insurance benefit prepaid debit cardholders, disregarding their entitlement to fair treatment and resolution of disputes under federal law. \n\nXXXX. Retroactive Application of XXXX XXXX : XXXX retroactively applied its automated XXXX XXXX to reverse permanent credits for cardholders, thereby subjecting them to unjust financial repercussions after previously investigating and paying their error claims. \n\nAbusive Acts or Practices Furthermore, XXXX is found to have engaged in abusive acts or practices by impeding cardholders ' efforts to file notices of error and seek liability protection from unauthorized EFTs. This obstruction hinders individuals from exercising their rights and exacerbates the harm caused by unauthorized transactions. \n\nFailure to Timely Investigate and Resolve Error Claims Respondent also failed to timely investigate and resolve notices of error concerning alleged unauthorized EFTs, further violating consumer protection laws and prolonging the distress experienced by affected individuals. \n\n\n\n\n\n\n\n\n\n\n\n\n\nDefinition of Affected Consumers The Consent Order establishes a clear definition of \" Affected Consumers, '' delineating specific criteria that individuals must meet to fall under this classification. According to the XXXX XXXX, an \" Affected Consumer '' is someone who, during the Relevant Period : XXXX. Qualified for and received government unemployment insurance benefit payments electronically through prepaid debit cards issued by [ XXXX ]. \nXXXX. Filed a notice of error concerning alleged unauthorized XXXX Funds Transfers ( EFTs ) with XXXX. \nXXXX. Had XXXX incorrectly determine, based solely on the results of its XXXX XXXX, that no error occurred, resulting in the denial of the consumer 's error claim or the reversal of permanent credits previously granted to the consumer, and the freezing or blocking of the consumer 's unemployment insurance benefit prepaid debit card account. \n\nSupporting Evidence To substantiate my status as an \" Affected Consumer '' under the terms of the Consent Order, I have provided documentation that confirms my eligibility for government unemployment insurance benefits and details the method of payment via a prepaid debit card issued by [ Respondent ]. Exhibit A, enclosed with this complaint, includes notices and records from the Department XXXX XXXX in the XXXX XXXX XXXX, demonstrating my receipt of benefits and the utilization of the prepaid card until XX/XX/XXXX. Additionally, payment history documents further attest to my eligibility. \n\n\n\nBank of America 's Actions and Impact on Affected Consumers The enforcement action further delineates the actions taken by Bank of America in response to cardholders filing claims, shedding light on the severe repercussions experienced by affected individuals : Automatic Determination of No Error and XXXX XXXX XXXX XXXX Bank of America implemented a nationwide strategy from XX/XX/XXXX, to XX/XX/XXXX, whereby it automatically determined no error occurred and froze the unemployment insurance benefit prepaid debit card accounts of cardholders who filed notices of error meeting any of its XXXX XXXX indicators. This unilateral action was solely based on the outcomes of the XXXX XXXX, without due consideration for the validity of the claims or the financial well-being of the cardholders. \n\n\n\n\n\n\n\nFinancial Hardship Endured by Affected Consumers As a result of Bank of America 's decision to freeze prepaid debit card accounts through its Fraud Filter, numerous cardholders endured prolonged periods without access to their unemployment insurance benefits. This deprivation of essential funds caused significant financial distress, with some individuals experiencing weeks, and in certain cases, months, of hardship. \n\nConsequences of Account Freezing The repercussions of Bank of America 's actions extended beyond mere inconvenience, as affected consumers faced a cascade of adverse consequences. Many incurred late fees and interest charges on their other accounts, exacerbating their financial burden. Moreover, some individuals missed critical payments for essential services such as phone and utility bills, further compounding their challenges. Additionally, the financial strain imposed by frozen prepaid debit card accounts precipitated more severe outcomes, including foreclosure, eviction, and car repossession. \n\n\nContrast with Treatment of XXXX Cardholders The enforcement action provides insight into the distinct treatment afforded to XXXX cardholders in XXXX XXXX Bank of America, underscoring a stark contrast with the circumstances experienced by individuals in other states, including myself : XXXX for XXXX XXXX Bank of America generally required XXXX cardholders with frozen XXXX prepaid debit card accounts to reverify their identity through XXXX, rather than with Bank of America, to regain access to their accounts. This approach placed a significant burden on cardholders, particularly given the challenges faced by XXXX in handling the influx of identity verification requests. \n\nLack of Communication and XXXX Bank of America failed to inform XXXX of its intention to implement a fraud filter and freeze unemployment insurance benefit prepaid debit card accounts, exacerbating the challenges faced by affected individuals. Moreover, until XX/XX/XXXX, the only exception to Bank of America 's requirement for identity reverification through XXXX was limited to cardholders who filed complaints asserting specific hardships through designated channels Personal Experience : Request for Expedited Verification In contrast to the accommodations extended to XXXX cardholders, my experience with Bank of America was marked by significant hardship and bureaucratic hurdles. On XX/XX/XXXX, Bank of America froze my account, citing directives from the Department XXXX XXXX in the XXXX XXXX XXXX  Subsequently, I initiated efforts to expedite the verification of my identity due to a severe and immediate financial hardship. \n\n\n\n\n\n\n\nEngagement with State Delegates and Department XXXX XXXX XXXX I engaged in XXXX separate discussions with state delegates, including XXXX XXXX XXXX and her Chief of Staff XXXX XXXX, to submit requests for expedited identity verification. These discussions, aimed at restoring my benefits after Bank of America 's account freeze, underscore the extraordinary measures I undertook to navigate the challenges imposed by the bank 's actions. \n\nFurthermore, correspondence with Department XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, documents their assistance in restoring my benefits following the account freeze by Bank of America. \n\n\n\n\nViolation of Federal Law : Findings and Conclusions The findings and conclusions outlined in the Consent Order issued by the Consumer Financial Protection Bureau ( CFPB ) underscore the universal application of the enforcement action and its non-discriminatory nature across state borders : Cause : Respondents Strategy as Applied to XXXX XXXX Bank of America 's strategy, implemented from XX/XX/XXXX, to XX/XX/XXXX, indiscriminately affected XXXX cardholders XXXX XXXX. This strategy, characterized by the automatic determination of no error for notices of error concerning alleged unauthorized electronic fund transfers ( EFTs ) and subsequent freezing of cardholders ' XXXX prepaid debit card accounts, caused substantial injury to consumers, irrespective of their geographic location. \n\nConsequence : Findings and Conclusions as to Respondents Strategy in XXXX ( Unfair Practice ) The enforcement action conducted by the CFPB concluded that Bank of America 's strategy in XXXX described above, constituted unfair acts or practices under federal law. Sections XXXX and XXXX of the XXXX XXXX XXXX XXXX ( XXXX ) prohibit covered persons from engaging in any unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Bank of America 's actions, which caused substantial injury to XXXX cardholders, were found to be in violation of these provisions. \n\n\nXXXX XXXX of XXXX XXXX It is crucial to recognize that the enforcement action transcends state borders and is not discriminatory from state to state. The violations identified by the CFPB, rooted in federal law, apply universally to all covered persons, irrespective of the jurisdiction in which the violations occurred. This underscores the imperative for consistent regulatory oversight and enforcement to safeguard consumer rights and maintain the integrity of the financial system nationwide. \n\n\nBy highlighting the universal application of the enforcement action and the non-discriminatory nature of federal law, this section emphasizes the need for comprehensive regulatory intervention to address systemic deficiencies and ensure equitable treatment for all affected consumers. \n\n\nViolation of Consent Order : Failure to Provide Redress in accordance with the Redress Plan Despite the issuance of a Consent Order by the Consumer Financial Protection Bureau ( CFPB ) and the identification of affected consumers, including myself, Bank of America has willfully failed to comply with the provisions outlined therein, thereby perpetuating the harm caused by its actions : Failure to XXXX XXXX XXXX Bank of America has neglected its obligation to notify affected consumers, such as myself, of their status as \" Affected Consumers '' under the Consent Order. Despite clear evidence demonstrating my eligibility for redress, including documents confirming receipt of unemployment insurance benefits via Bank of America 's prepaid debit card, the bank has failed to fulfill its duty to inform me of my rights under the XXXX. \n\nFailure to Provide Consequential Harm Payment Furthermore, Bank of America has failed to provide consequential harm payments to affected consumers, including myself, as required by the Consent Order. Despite explicit provisions mandating compensation for related consequential harm, the bank has neglected to fulfill this obligation, exacerbating the financial hardships endured by affected individuals. \n\nXXXX XXXX XXXX XXXX XXXX XXXX Bank of America 's non-compliance with the XXXX XXXX is a direct violation of the provisions outlined therein. Specifically, the bank has failed to adhere to the requirements stipulated in the XXXX XXXX, including the identification of affected consumers, calculation of remediation amounts, establishment of an individualized review process, and issuance of redress payments. \n\n\nMoreover, Bank of America has neglected to develop communication protocols and tracking procedures for redress payments to affected consumers, further evidencing its disregard for the terms of the XXXX XXXX. The absence of clear communication channels and accountability mechanisms exacerbates the challenges faced by affected individuals seeking resolution. \n\n\nBank of America 's persistent failure to comply with the XXXX XXXX and provide redress to affected consumers, as mandated by federal law, is XXXXXXXX and unacceptable. The bank 's continued obstruction of the compliance process perpetuates the XXXX  caused by its actions and underscores the urgent need for regulatory intervention to enforce accountability and safeguard consumer rights. \n\nViolation of Consent Order : Failure to Provide Redress Despite the issuance of a Consent Order by the Consumer Financial Protection Bureau ( CFPB ) and the identification of affected consumers, including myself, Bank of America has willfully failed to comply with the provisions outlined therein, thereby perpetuating the harm caused by its actions : Failure to Provide Redress as Mandated by XXXX XXXX Bank of America 's non-compliance with the Monetary Provisions outlined in the Consent Order is particularly XXXX. The bank has neglected its obligation to pay redress to affected consumers, including myself, as mandated by specific provisions ( XXXX  XXXX, Orders to Pay Redress, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite clear directives from regulatory authorities, Bank of America has failed to fulfill its duty to provide compensation for the harm caused by its actions. \n\nRequest for Affidavit and Inadequate Response Furthermore, Bank of America 's request for an affidavit regarding claims filed in XXXX, which the bank inaccurately processed despite extensive communication and documentation, is deeply concerning. Despite spending considerable time addressing these claims, providing detailed explanations, and submitting multiple reconsideration requests, the bank has failed to provide adequate redress. This request for an affidavit serves as yet another example of the bank 's disregard for the severity and impact of its actions on affected consumers. \n\nInteractions with XXXX XXXXXXXX and XXXX  Department My interactions with XXXX  XXXX from the XXXX Department further highlight Bank of America 's dismissive attitude towards providing redress for the consequential harm suffered by affected consumers. Despite the existence of extensive notes on my account detailing the grievances and hardships endured as a result of the bank 's actions, XXXX XXXX questioned my eligibility for compensation and failed to acknowledge the documented evidence of consequential XXXX. Recordings of these conversations attest to the bank 's reluctance to fulfill its obligations under the XXXX XXXX and its disregard for the well-being of affected individuals. \n\nViolation of Consent Order : Continued Disregard for Regulatory Mandates In a flagrant display of disregard for regulatory mandates and consumer rights, Bank of America froze my account again on XX/XX/XXXX, despite the closure of the account and the issuance of the Consent Order by the Consumer Financial Protection Bureau ( CFPB ). This latest incident underscores the bank 's persistent failure to adhere to regulatory directives and its ongoing disregard for the well-being of affected consumers. \n\nFalse Attribution of Actions to XXXX XXXX  XXXX XXXX XXXX XXXX Bank of America falsely attributed its actions to the XXXX XXXX  XXXX XXXX, falsely stating that the Department directed the freezing of my account. However, the XXXX XXXX XXXX XXXX has vehemently denied this allegation, highlighting the bank 's deceptive practices and attempts to shift blame for its own misconduct. \n\nPattern of Non-Compliance and Disregard for Consumer Rights This latest incident is emblematic of Bank of America 's pattern of non-compliance with regulatory orders and its continued disregard for consumer rights. Despite clear directives from regulatory authorities and documented evidence of its misconduct, the bank has persisted in its negligent and harmful practices, further exacerbating the financial hardships faced by affected consumers. \n\nUrgent Need for XXXX Intervention The repeated instances of non-compliance and deceptive practices by Bank of America underscore the urgent need for regulatory intervention to hold the bank accountable for its actions and ensure the protection of consumer rights. It is imperative that regulatory authorities take swift and decisive action to enforce compliance with the XXXX XXXX and prevent further harm to affected individuals. \n\nBank of America 's continued disregard for regulatory mandates and deceptive practices represent a grave violation of consumer rights and a blatant disregard for the rule of law. The bank 's false attribution of actions to the XXXX XXXX XXXX XXXX and its pattern of non-compliance underscore the urgent need for regulatory intervention to hold the bank accountable and ensure justice for affected consumers.","date_sent_to_company":"2024-04-26T10:14:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"8865643","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-04-26T09:47:23.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Retroactive Application of <em>XXXX</em> <em>XXXX</em> : <em>XXXX</em> retroactively applied its automated <em>XXXX</em> <em>XXXX</em> to <em>reverse</em> permanent <em>credits</em> for cardholders, thereby subjecting them to unjust financial repercussions after previously <em>investigating</em> and paying their <em>error</em> claims. \n\nAbusive Acts or Practices Furthermore, <em>XXXX</em> is found to have engaged in abusive acts or practices by impeding cardholders ' efforts to file notices of <em>error</em> and seek liability protection from unauthorized EFTs."]},"sort":[8.542443,"8865643"]},{"_index":"complaint-public-v1","_id":"6952825","_score":8.264673,"_source":{"product":"Checking or savings account","complaint_what_happened":"Included herein is the first complaint process and response : Inactive modal Consumer Financial Protection BureauStart a new complaint All complaints XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Checking or savings account ISSUE Managing an account We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT On XX/XX/XXXX a little after XXXX XXXX I went into my account to check my recent transactions when I noticed a purchase of {$95.00} that was placed on a website called XXXX I immediately clicked the transaction to see more info and it noted it was an apparel purchase. Knowing I myself have never even shopped at this place or even heard of it before, I Swiftly clicked the dispute transaction button and followed exactly what I was told by chime to do which included cutting off my bank card and ordering a new one, so that's what I did. After I received a reassurance message from them that they would be investigating this claim and that my new card would be on its way I felt confident this matter was going to be handled correctly. In the meantime I was issued a \" virtual temporary card '' to pay my bills and so forth. A day or two later I go to purchase groceries from XXXX XXXX XXXX using this temporary card and it was declined. I immediately call chime support and explain what happened and the woman at first didn't even understand the situation I described to her ( even though it was in detail exactly what happened to me and why I put a hold on my account cancelled my card etc. ) She tells me yes it was denied because there's a block on your account. I told her AGAIN yes I did that MYSELF because of the fraudulent charge I saw so I cancelled my bank card AS I WAS TOLD. After 3 times explaining this to her she says \" oh we didn't even get the request for a new card OR THE DISPUTE. '' Now mind you on my app it was telling me my new card was PROCESSING AND MY DISPUTE WAS BEING INVESTIGATED. I asked her what in the world is going on why was I being told two different things?? She told me don't worry I'll go ahead and put the dispute through for you, order your new card, and issue you a new temporary card. I told her ok great that's fine please do. Fast forward a few days later I check my app again just to see if there's an update. Surprisingly, there is but not a good one. My dispute had been closed by Chime saying no fraud was detected. At this point I'm feeling betrayed and frustrated. No fraud detected? So they're saying I did this? Why In the world would I put myself through having to cancel my pending bills and route them all to a temp card, and call a handful of different places, INCLUDING MY LANDLORD ( who only accepts CASH that I can not access because I have no physical card at the moment..which made my rent LATE by the way! )? Not to mention I had to pay an extra fee on my car note because I had to make it over the phone Instead of through my debit card on auto pay AND then have to worry about possibly not getting my Direct deposit from work!? IT MAKES NO SENSE. So at this point I'm almost livid. I call them back and ask them why my claim was denied. The lady tells me no worries we will submit a rebuttal and we will make sure we take care of this for you. I am in tears at this point simply because of frustration and honestly feeling like I've been violated and my money isn't protected the way it should be AS PROMISED. Still, I'm cordial and I ask her once again, am I safe am I protected and is this going to be taken care of correctly? She reassures me, yes. Fast forward once again to today. I receive an email from Chime saying once again there was no fraud detected and my case has been closed... Again. There was an option to email support for a copy of the \" documents '' they used in determining this so I told them Yes ID LIKE WLL OF THEM. I am currently sitting here feeling like taking my little XXXX XXXX dollars out and telling them to take a long walk off a short bridge, but I feel I need justice. If this happens to me over only {$95.00}, who else is this happening to or HAS this happened to? What about our rights and our voices? What about being an FDIC? THIS IS NOT OK. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Dear XXXX XXXX : Chime Financial Inc. ( Chime ) received the complaint you filed with the Consumer Financial Protection Bureau on XX/XX/XXXX. In your complaint you explained that you opened a dispute investigation for an unauthorized transaction that posted to your account, and you disagreed with the final determination of No Error Found. You asked that we refund your money. Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FDIC. XXXX XXXX XXXX serves as the issuer of your Chime Checking Account that was opened on XX/XX/XXXX. On XX/XX/XXXX, you contacted us to report one ( 1 ) unauthorized transaction in the amount of {$95.00} had posted to your account. We filed a dispute and began an investigation into the matter. On XX/XX/XXXX, we concluded the investigation and based on the information available determined that no error occurred. An email notification was sent informing you of the outcome and that no credit would be posted. The same day, you asked that we reopen the claim. Additionally, you requested a copy of the documents we relied on in making our determination, which were forwarded to you via email on XX/XX/XXXX. On XX/XX/XXXX, we concluded our review of the rebuttal claim and notified you via email that we determined no error occurred. As a result, you requested a copy of the documents we relied on in making our determination, and they were forwarded to you via email on XX/XX/XXXX. Upon further review, we determined additional investigation of the dispute claim was warranted. On XX/XX/XXXX, we applied a provisional credit to your account for the full amount of the dispute. This temporary credit was provided to allow you full use of the funds while we complete our investigation. As a part of our dispute investigation, a chargeback may be requested by Chime. A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is valid. We expect to conclude our investigation no later than XX/XX/XXXX, and will notify you via email with our findings. Chime places great importance on providing an excellent customer experience. Please feel free to contact Chime Member Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team MONETARY RELIEF AMOUNT {$95.00} XXXX XXXX XXXXChime XXXX XXXX XXXX XXXX XXXX CHIME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nC Chime Member Services [ image : Chime ] This is an automated response to let you know your request has been received and is being reviewed by our Member Services team! To ... \nC Chime Member Services to me 1 day agoDetails Chime Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$95.00} XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. \n\nBased on our investigation, we have concluded that no error occurred. On XX/XX/XXXX, a temporary credit was posted to your account on a temporary basis until we completed our investigation. On XX/XX/XXXX, the temporary credit will be reversed and your account will be debited in the amount of {$95.00}. \n\nPlease ensure that there are sufficient funds in your account to cover the amount that will be debited, as well as any purchases or payments you plan to make. \n\nYou may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. \n\nThanks, Chime Dispute Team MY RESPONSE XX/XX/XXXX XXXX XXXX to XXXX 4  minutes agoDetails My response to your decision remains the same and I have several questions left unaddressed. I want to know why the ip address of the person who conducted this purchase was never investigated. I also would like to know why the shipping information of the goods in question was never provided. Where is the response from the company in question? I would like to receive all in email form within the next 5 days, and I will be opening another complaint with the consumer financial protection bureau. You are not allowed to debit this money from my account as the process is not yet closed for I will continue to fight this matter. Have a good day. \nComplaint id XXXX XXXX XXXX","date_sent_to_company":"2023-05-10T00:20:55.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"62901","tags":null,"has_narrative":true,"complaint_id":"6952825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-05-10T00:14:30.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XX/XX/<em>XXXX</em>, a temporary <em>credit</em> was posted to your account on a temporary basis until we completed our <em>investigation</em>. On XX/XX/<em>XXXX</em>, the temporary <em>credit</em> will be <em>reversed</em> and your account will be debited in the amount of {$95.00}. \n\nPlease ensure that there are sufficient funds in your account to cover the amount that will be debited, as well as any purchases or payments you <em>plan</em> to make. \n\nYou may request a copy of the documents we used in determining the final outcome of the <em>investigation</em>."]},"sort":[8.264673,"6952825"]},{"_index":"complaint-public-v1","_id":"5585410","_score":7.519023,"_source":{"product":"Mortgage","complaint_what_happened":"I made a payment of {$1700.00} on Select Portfolio Servicing 's customer dashboard on XX/XX/2022. XXXX deducted those funds from my checking account on XX/XX/2022. On XX/XX/2022 Select Portfolio Servicing says the payment was returned NSF, and they reversed the payment from my mortgage payment history. I contacted XXXX immediately, and they did NOT issue a NSF, I was not charged a NSF fee for a returned item, and I had over {$18000.00} in the account at that time, so no item would have been returned for NSF anyway. I contacted Select Portfolio Servicing on XX/XX/2022, and told them this was an error. They opened a \" cashiering ticket '' to investigate the issue. At the same time, I opened a dispute and trace at XXXX. \n\nXXXX sent me proof, see attached, of the funds being sent to Select Portfolio Servicing. This document is irrefutable, un-mitigatable, down to the second the funds were received by the Select Portfolio Servicing proof. There is also the fact that the funds were withdrawn from my checking account on XX/XX/2022, and since XXXX XXXX  dispute department traced the funds to the merchant, in this case Select Portfolio Servicing, they are not able to recover the funds to my account via provisional credit. This is XXXX Fraud liaison department 's findings, ( see attached also ) : Select Portfolio Servicing was sent {$1700.00} payment by XXXX on XX/XX/2022 at XXXX XXXX through distribution window XXXX distribution file XXXX distribution batch XXXX, XXXX  number XXXX, receiving institution XXXX  XXXX, trace number XXXX, and was received XXXX sec code XXXX by SELECT PORTFOLIO SERVICING company ID XXXX originating XXXX ID XXXX, XXXX  amount {$1700.00} I have sent this proof from XXXX to Select Portfolio Servicing, and have also sent them about 100 other documents that prove that the {$1700.00} payment was not returned for NSF, and that the money is at Select Portfolio Servicing, somewhere, but they have closed the matter, saying that their records show that the money is not there. A rep named XXXX told me one time that the funds WERE there, on Friday, XX/XX/2022 at XXXX I spoke with him and he asked if he could call me back after he looked into the matter. He called me back at XXXX XXXX on Friday, XX/XX/2022, and told me he was \" opening a missing payment dispute, and it would take a week or so to get it cleared up on our end. '' He also told me the \" FUNDS ARE HERE '' and gave me ID reference # XXXX a missing payment/account dispute. He said he was escalating the issue. He instructed me to check the customer dashboard online on or about XX/XX/2022 and by then the missing payment issue would be corrected by the \" cashiering department '' and the correct due date would be showing on my account dashboard. He told me to go ahead and \" do my regular XXXX payment, it will be fine. '' It was not, of course, and I never heard from XXXX again. \n\nIn the meantime, I went 1 day past the grace period on XXXX 's mortgage, and Select Portfolio Servicing sent me a notice of default dated XX/XX/2022. This default would not have occurred if they had correctly credited the {$1700.00} payment they have stolen. This default occurred ONLY because a month 's mortgage payment is NOT showing up because of their mistake. They suggested I pay an additional month 's mortgage to bring it current ( another almost {$2000.00}!, who has that EXTRA lying around?, effectively paying them twice for the same month, or do a repayment plan ( to pay what they are claiming is a missed payment, but IS NOT ) over 6 months, dividing the ALREADY PAID XX/XX/2022 payment into XXXX installments to be repaid as an addition to my regular monthly XXXX mortgage payment. To give me time to contact your organization and the Kentucky Attorney General 's office, I chose that option. This made my mortgage come out of default. They are, as of yesterday, still unable to locate the {$1700.00} that was sent to them on XX/XX/2022 from my XXXX account. \n\nI have spent countless hours on the phone with both Select Portfolio Servicing and XXXX trying to get this issue resolved. At Select Portfolio Servicing I am assigned a Relationship Manager, XXXX XXXX, XXXX XXXX XXXX ext XXXX, but since XX/XX/2022 I have not gotten to speak to him once. I have not spoken to him once in the last 3 years, and suspect he does not exist. I have never spoken to the same person at Select Portfolio Servicing twice, and am forced to explain the situation over and over again to each new person, am put on hold for 30 minutes at a time, am often hung up on, and, still, not one customer service rep has been able to do anything proactive for resolution of this issue. I have pages and pages of notes, each with times, dates, every person I have spoken with, how long I was on hold, and every page of correspondence from both Select Portfolio Servicing and XXXX. I am only attaching enough pages to provide a synopsis of the events, and a timeline. These pages include the bank investigation and proof that Select Portfolio Servicing was sent {$1700.00} on XX/XX/2022 and that the funds were deducted from my checking account. \n\nAll I want is for Select Portfolio Servicing to credit my account with the payment that was made. They blatantly refuse to do this. As you can see from the attached documents, they have the {$1700.00} sent on XX/XX/2022, but refuse to credit my account with the payment that was made. \n\nIt is my hypothesis that the customer service reps at Select Portfolio Servicing are obtuse on purpose, perhaps even trained to be this way as a method of dissuading the distraught consumers calling in for help from doing anything other than capitulating, and either making a duplicate payment or going into default. I have spent untold hours conversing with Select Portfolio Servicing customer service reps, and I am convinced the company 's aim to amass a collection of defaulted upon properties. I think they are stealing from many people in this exact way they are attempting to steal from me, but most people give up, or don't have the resources or skill set or time to advocate for themselves in matters like this. \n\nI am not most people. \n\nIf my tenacity resolves this issue for me, that will be wonderful. If I can prevent it from happening to someone else, or help someone currently being mistreated in this same way by Select Portfolio Servicing, but unable to advocate for themselves, then that is even better.","date_sent_to_company":"2022-05-20T21:01:08.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"410XX","tags":null,"has_narrative":true,"complaint_id":"5585410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2022-05-20T19:36:34.000Z","state":"KY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I contacted <em>XXXX</em> immediately, and they did NOT issue a NSF, I was not charged a NSF fee for a returned item, and I had over {$18000.00} in the account at that time, so no item would have been returned for NSF anyway. I contacted Select Portfolio Servicing on <em>XX/XX</em>/2022, and told them this was an <em>error</em>. They opened a \" cashiering ticket '' to <em>investigate</em> the issue. At the same time, I opened a dispute and trace at <em>XXXX</em>."]},"sort":[7.519023,"5585410"]},{"_index":"complaint-public-v1","_id":"7969794","_score":6.827877,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a XXXX  XXXX veteran and nearly twenty ( 20 ) years loyal member of USAA Federal Savings Bank. After the forcible sale of our home, my teenage daughter and I planned a new beginning ; utilizing my share of the proceeds, {$51000.00} ; I had wire transfer to my USAA checking account on XX/XX/XXXX, XXXX. [ We also had our XXXX XXXX XXXXXXXX Benefit directly deposited to this account as well, for a number of years. In XXXX, XXXX, we had to vacate our home and temporarily moved into a hotel. This is when I discovered more than half our funds were missing or stolen. \n\nFor a few months, on and off, before and after the wire transfer to my checking account, I had been experiencing constant problems with my cell phones and home internet. [ missing/stolen sim card ; virus, no or slow wifi nor mobile data, errors, and going unnoticed for a few months, fake apps on my phone replacing real ones like XXXX XXXX XXXX XXXXXXXX XXXX no notifications, phone calls forwarded ; complaints I was not answering my phone ; I replaced my cellphone at least 4 or 5 times, all my settings, undone shortly after I fix errors ] ; I was unaware hackers had remote access to my phones and online financial accounts. Before this crime happened to us, I had very little knowledge new technology, internet, and its abilities and advance features which could be abused to damage lives and financial crimes. \n\nI contacted USAA and still no access to my mobile nor online banking, I did not yet have a visual depiction of the transactions ; and the same night, my hotel room was broken into, and my extra set of vehicle remote key and debit cards from other checking accounts were stolen [ i filed a police report ]. It also was the beginning of two months of harassment, stalking by a group of individuals in various vehicles; breaking into and stealing items and documents from my vehicle ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX and actions we believed by the fraudsters or preparators whole stole our funds; were intimating us into not reporting the crimes. We notified USAA of our fear for our safety, and requested the bank not close our debit card [ the USAA account and debit card was our only access to funds ] until we found a safe haven ; USAA agreed at least three times as we switched hotels at least four times for our security/safety. USAA [ Later the bank used our continued use of the cards during the fraud, as reason to deny many of our claims ] was aware of the ongoing fraud, and that it would continue until the debit cards were closed. We changed debit cards at least four times ; until eventually we relocated from the state of XXXX XXXX XXXX; hoping to live out of the reach of the XXXX XXXX, who followed us everywhere, especially atms, gas stations, department stores, etc. \n\nAfter finally gaining access to my USAA mobile and online banking, I learned the funds were mostly withdrawn through XXXX XXXX [ over XXXX transactions ] and fraudsters also made over 200 atm/debit withdrawals/purchases as well as false checks for cash over a two ( 2 ) month period. I contacted XXXX XXXX and as requested, XXXX XXXX closed the fraudulent account the hackers had made in my name, and attempted to recoup my funds ; however, after a few refunds, the recipients closed their XXXX XXXX accounts. \n\nUSAAs computer system was unable to process the XXXX transactions as XXXX claim/dispute ; it was a daunting process, with many telephonic reporting problems, and the XXXX or more transactions were divided into multiple claims of XXXX transactions per claim. USAA granted us provisional credit in the initial XXXX XXXX claims totaling maybe {$15000.00} of the {$55000.00} stolen funds over the fraud period of XX/XX/XXXX XXXX XXXX. However, when we filed for the remaining XXXX XXXX XXXX transactions USAA fail to process and the atm/debit card purchases and withdrawals as well as hot checks ; the bank took another XXXX months [ initial claims filed in XXXX ] before granting us a provisional credit of {$25000.00} in XXXX, XXXX ; yet USAA restricted our access XXXX these funds for weeks ; freezing the debit card and on/off limited transfers. Meanwhile, the five to nearly six months waiting for the bank to complete and make a decision on our claims/dispute, I was unable to pay creditors ; three months past due auto loan, auto insurance, and the storage facility containing all our personal and household property. For a brief period, of maybe three days, USAA lifted the restrictions on my checking account, and I immediately made 3 ACH payments to these three creditors, and adhering to USAA security representative, I open a physical/local bank, and wired {$10000.00} from my USAA checking account into XXXX XXXX  XXXX which was a nightmare, XXXX XXXX particularly accused me of fraud and denied me access to the wire for nearly three months ]. The very same day, USAA rescinded the provisional credit of {$25000.00} ; placing my checking account into a negative balance of over {$11000.00}. USAA also demanded the money I wired to XXXX XXXX  [ {$10000.00} ] be returned ; I informed them the other bank was holding the funds. USAA keep the account opened long enough to garnished two months of our XXXX XXXX XXXX benefits directly deposited into the checking account ; did not honored the thee ( 3 ) ACH transactions ; and in XX/XX/XXXX, informed me the bank will no longer do business with us; closing my checking account. \n\nWe ran out of money for hotels, my fixed income, XXXX XXXXXXXX check could not cover the current expenses and past due balances ; as a result, the finance company did a write off on my vehicle [ like a repossession [ ; the auto insurance company canceled our auto policy [ one month before the vehicle was involved in a auto collision which totaled the vehicle ] ; and the storage facility auctioned off all our possessions of 34 years of our property from our home ; we lost everything. \n\nI tried for months pleading with USAA to reverse its negative findings of our claims ; the bank insisted that the remaining XXXX XXXX and debit card transactions were not fraudulent ; despite the bank notifying me that in XXXX after USAA grant the {>= $1,000,000} provisional credit into my checking account, a third unknown party was attempting to remotely access my USAA account from XXXX, and we were in XXXX. The security, fraud and identity theft departments, would not accept that the fraudsters were using other cybernet methods to steal our funds, such a skimming, scanning device, mini camera and trackers in my vehicle, which they had accessed unto due to my stolen vehicle keys, and other ways I later learned how they gained access to my debit card information and pin despite changing the debit card four times.They never stop following and stalking us; stealing my sim cards, breaking into our new hotels rooms, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX countless times, and made several police reports, and XXXX XXXX offered for USAA to contact them, so XXXX XXXX could speak on our behalf. USAA refused. \n\nAt the end, my XXXX  XXXX  and I lost everything we owned and are now homeless. Even with the {$10000.00}, too late we battled for months to regain from XXXX XXXX  ; we, sporadically received at different periods over a six month period of the fraud investigation, still only received approximately half of our lost funds. I fell into a grave XXXX and had to be hospitalized as an inpatient for a few different periods of time; sleeping on the ground ; going house to house living with strangers and when I can afford, staying at cheap hotels ; with no transportation. My daughter is now living with my XXXX XXXX husband ; the separation from my XXXX  is unbearable. \n\nThe crime devastated our lives ; and directly led to our homelessness, as well as loss of all our personal and household goods. The stolen funds and USAAs unfavorable findings were quite unexpected and triggered debilitating mental agonish, pain and suffering ; as a result, I underwent various periods of inpatient hospitalization and XXXX  ; treatment for major XXXX and severe XXXX. \n\nUSAA, one of the largest banks in the country, in the care of a XXXX year member of its bank, published and inherited the responsibility of protecting its members from fraud and identity theft. The bank failed to exhaust every measure to stop the fraud from its beginning and refused to accept responsibility for the grave financial loss by refunding the funds stolen from my checking account after the funds were wired into my account. In past times, USAA froze my debit card after its security and fraud prevention program detected suspicious activity on the linked checking account. USAA allowed over 400 fraudulent transactions over a two month period without making an effort to stop this unusual activity ; especially after the large sum of over {$51000.00} was recently deposited into my checking account. The bank could mail a letter or simply freeze the debit card until the bank contacted me to confirm whether these were my transactions. Also, the bank did not fully honor its XXXX XXXX XXXX ; an assurance that its members would not suffer the financial loss due to fraud. If USAA would have promptly detected the fraud within a reasonable amount of time, the damage could have been prevented or lessened. \n\nI contacted USAA countless occasions to appeal their unfavorable decision ; and refund us the remaining provisional credit the bank rescinded in XXXX, XXXX of XXXX ; reimbursement of XXXX benefits stolen in the fraud about {$4000.00}, and the garnished XXXX of {$2000.00} ; a total of approximately {$17000.00}. [ {$16000.00} less than the funds stolen in fraud ]. \n\nMuch less than the amount I request sue USAA bank for : USAA has caused us lost of our cash funds/non refunded fraud : approximately {$33000.00} ; vehicle : {$26000.00} : property lost in storage : XXXX : past due XXXX XXXX : {$5000.00} and for the pain and suffering/homeless/mental anguish : at least {$50000.00} - {$100000.00}. A total of between {$140000.00} - {$200000.00}. \n\nI appeal USAA claims and disputes findings for the following reasons : Findings Are Not Accurate : [ Multiple Duplicate Claims ; Use of Debit Card After Fraud ; etc. ] Claim is Incomplete : Missing/Unprocessed Transactions/Refunds USAA Agreed to Delay Cancellation of My Debit Card ( s ) Due to Distress After We Spoke and Identified the Fraud USAA Failed to Conduct a Thorough and Unbiased Investigation and Refused to Consider/Ruled Out Other Fraudsters Cybernet Methods Used to Steal My Information ; Access My Online Accounts ; and Hack Into My Cell Phones USAA Banks Security and Fraud Prevention Departments Failed to Do Due Diligence to Promptly Stop the Fraud and Identity Theft and Exhaust Every Measure To Notify Me of the Highly Suspicious Activity of My Checking Account USAA Denied Claims that Were Part of Previous Claims the Bank Resolved in My Favor/Found Fraudulent USAA Failed to Honor The Banks Zero Liability Policy for Members Victimized by Fraud and Unauthorized Use of Their Debit Cards While in XXXX, XXXX, where the crimes occurred , I filed various police reports for Breaking Into our Hotel Rooms [ one report filed in nearby town of XXXX XXXX, XXXX  ; stealing our my vehicle keyless remote/and start engine remote ; vehicles following /stalking us everywhere [ two days are so in a new hotel, they hacked into my XXXX  and find us ] ; filed for fraud and identity theft [ XXXX Police Department now claim they do not have the report XXXX XXXX and other agencies I sought help in XXXX, made it clear they did not want to be involved especially due to these group of individuals were likely a violent street gang ] ; also filed vandalism/criminal mischief of my vehicle where they stuffed chocolate bars in my vehicles gas tank ; i believe in an effort to prevent us from leaving the state of XXXX, and I made numerous XXXX calls during the two to three months of severe harassment and terrorizing. I recently refiled the police report in XXXX  who will assistance XXXX in XXXX, because I do not feel safe returning to XXXX  to file in person. \nI also filed an identity theft report with Federal Trade Commission ; a complaint with ICE/FBI ; initiated a new investigation with XXXX XXXX ; and filed an appeal with USAA. I also move to different locations to stay safe ; as I informed USAA in XXXX, I believed the stalkers somehow found us in XXXX. With the refunding of our money, we will not find a secure resident far away from these individuals who will do violence to avoid prosecution for their crimes against us.","date_sent_to_company":"2023-12-08T11:23:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"71603","tags":"Servicemember","has_narrative":true,"complaint_id":"7969794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-08T10:12:35.000Z","state":"AR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I tried for months pleading with USAA to <em>reverse</em> its negative <em>findings</em> of our claims ; the bank insisted that the remaining <em>XXXX</em> <em>XXXX</em> and debit card transactions were not fraudulent ; despite the bank notifying me that in <em>XXXX</em> after USAA grant the {>= $1,000,000} provisional <em>credit</em> into my checking account, a third unknown party was attempting to remotely access my USAA account from <em>XXXX</em>, and we were in <em>XXXX</em>."]},"sort":[6.827877,"7969794"]},{"_index":"complaint-public-v1","_id":"9536025","_score":4.9477315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX have look at my credit report and see that there are inaccurate reports on my account XXXX XXXX dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I have tried time after times delete this off my credit report immediately this is not acting in good Faith by law Trans Union and XXXX to delete this account immediately yes XXXX have deleted this account so I would like this account to delete immediately. ( XXXX XXXX XXXX XXXX XXXXXX ) XXXX XXXX XXXX XXXX, XXXX and Trans Union have removed and deleted this XXXX XXXX. I would like for XXXX and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediately. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX : XXXX, has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section XXXX ( a ) ( XXXX ) ( B ). XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a XXXX XXXX explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, XXXX XXXX mothers whose children are eligible for state child support services under XXXX XXXX XXXX of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the XXXX program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the XXXX to achieve substantial compliance with Title IV-D throughout all programmatic operations. The XXXX XXXX granted summary judgment for petitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous provisions of the complex XXXX XXXX program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the XXXX achieve \" substantial compliance '' with XXXX XXXX. It also disagreed with the XXXX XXXX 's conclusion that XXXX had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. XXXX. ( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( XXXX ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. ( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with XXXX XXXX in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the Secretary to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the XXXX 's federal grant upon a finding of substantial noncompliance. The XXXX XXXX XXXX also erred in taking a blanket approach to determining whether XXXX XXXX creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this XXXX does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the XXXX XXXX Code XXXX - Civil action for deprivation of rights Every person who, under XXXX of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial XXXX for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any XXXX of XXXX applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within 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 ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 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 ; ( 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 ( 5 ) a statement that, upon the consumers 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. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The 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. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2023 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.\n\nWithout prejudice UCC 1-308 all rights reserved","date_sent_to_company":"2024-07-18T01:19:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"9536025","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-18T01:19:10.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Code 1638 - Transactions other than under an open end <em>credit</em> <em>plan</em> a ) Required disclosures by creditor For each consumer <em>credit</em> transaction other than under an open end <em>credit</em> <em>plan</em>, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of <em>credit</em> of which the consumer has actual use."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[4.9477315,"9536025"]},{"_index":"complaint-public-v1","_id":"9535823","_score":4.9444733,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I have tried time after times delete this off my credit report immediately this is not acting in good Faith by law XXXX XXXX and XXXX to delete this account immediately yes Experian have deleted this account so I would like this account to delete immediately. ( XXXX XXXX XXXX  : XXXX ) XXXX XXXX  : XXXX, XXXX and XXXX XXXX have removed and deleted this child support. I would like for Experian and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediatelyXXXX XXXX XXXX XXXX XXXX : XXXX, ( XXXX XXXX : XXXX ) XXXX  XXXX XXXX : XXXX, has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC XXXX SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a FRA Letter explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, XXXX XXXX  mothers XXXX children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a 1983 action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. ( a ) A plaintiff seeking 1983 redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX principal factors determine whether a statutory provision creates a privately enforceable right : ( XXXX ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( XXXX ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX Virginia XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. ( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with XXXX XXXX in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the XXXX 's federal XXXX upon a finding of substantial noncompliance. The Court of Appeals also erred in taking a blanket approach to determining whether Title IV-D creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this Court does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the District Court to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the 42 U.S. Code 1983 - Civil action for deprivation of rights Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within 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 ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 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 ; ( 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 ( 5 ) a statement that, upon the consumers 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. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The 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. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2023 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, Experian and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) XXXX offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. \n\n\nWithout prejudice UCC 1-308 all rights reserved","date_sent_to_company":"2024-07-18T01:18:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"9535823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-18T00:52:15.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Also the <em>credit</em> bureaus failed to do a complete a full <em>investigation</em> here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY <em>credit</em> profile and I dont not want the reporting any thing for me on my <em>credit</em> account I am a living man I can conduct my own business and have the right to privacy bay law UCC <em>XXXX</em> SEE THEY ARE FAILED TO COMPLETE A FULL <em>investigation</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[4.9444733,"9535823"]},{"_index":"complaint-public-v1","_id":"9536024","_score":4.941451,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I have tried time after times delete this off my credit report immediately this is not acting in good Faith by law XXXX XXXX and Equifax to delete this account immediately yes XXXX have deleted this account so I would like this account to delete immediately. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax and XXXX XXXX have removed and deleted this child support. I would like for XXXX and Equifax have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediately. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX : XXXX, has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a FRA Letter explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. Blessing v. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX. Argued XX/XX/XXXX, XXXX XX/XX/XXXX Respondents, XXXX XXXX mothers whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the XXXX to achieve substantial compliance with Title IV-D throughout all programmatic operations. The XXXX XXXX granted summary judgment for petitioner, but the XXXX XXXX reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. XXXX. ( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( 3 ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX pp. XXXX. ( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with XXXX XXXX in all respects. The statutory \" substantial compliance '' requirement, see, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX XXXX, Supp. XXXX ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the XXXX 's federal XXXX upon a finding of substantial noncompliance. The XXXX XXXX XXXX also erred in taking a blanket approach to determining whether XXXX XXXX creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this XXXX does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit XXXX not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the XXXX XXXX Code XXXX - Civil action for deprivation of rights Every person who, under XXXX of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial XXXX for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. ( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. ( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. ( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within 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 ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 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 ; ( 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 ( 5 ) a statement that, upon the consumers 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. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The 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. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : Equifax, XXXX and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.\n\nWithout prejudice UCC 1-308 all rights reserved","date_sent_to_company":"2024-07-18T01:19:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"9536024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-18T01:19:10.000Z","state":"NE","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Also the <em>credit</em> bureaus failed to do a complete a full <em>investigation</em> here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY <em>credit</em> profile and I dont not want the reporting any thing for me on my <em>credit</em> account I am a living man I can conduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL <em>investigation</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[4.941451,"9536024"]},{"_index":"complaint-public-v1","_id":"8761686","_score":4.925168,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. \nUCC 1-308 without prejudice Please remove these accounts immediately.\n\nI Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX  is not my address DO NOT BELONG TO ME CAN YOU PLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX I would like for XXXX XXXX and XXXX to delete this account immediately yes Experian have deleted this account so I would like this account to delete immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have removed and deleted this child support. I would like for Experian and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY CREDIT REPOT I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. XXXX XXXX XXXX is my correct name this is a violation. CLOSE WITH MONETARY RELIEF. \nPlease remove these hard inquiries from my account I have not received no funds or service with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. \n\n15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure.\n\n( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. \n( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ).\n\n( 3 ) The finance charge, not itemized, using that term.\n\n( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}.\n\n( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments.\n\n( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. \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 Respondents, XXXX Arizona mothers whose children are eligible for state child support services under Title XXXX -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. \n\n( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor- XXXX XXXX XXXX as to be beyond the competence of the judiciary to enforce ; and ( 3 ) whether the statute imposes a binding obligation on the State. See, e. g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if Congress specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n( b ) Respondents have not established that Title IV-D gives them individually enforceable federal rights. In prior cases, the Court has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here, respondents have not identified with particularity the rights they claim, and the Ninth Circuit has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to \" substantial compliance '' with Title IV-D in all respects. The statutory \" substantial compliance '' requirement, see, e. g., 42 U. S. C. 609 ( a ) ( 8 ) ( 1994 ed., Supp. II ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the Secretary to measure the systemwide performance of a State 's Title IV-D program, allowing her to increase the frequency of audits and reduce the State 's federal grant upon a finding of substantial noncompliance. The Court of Appeals also erred in taking a blanket approach to determining whether Title IV-D creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its \" substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this Court does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their \" rights '' were being violated and an injunction forcing petitioner to \" substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the District Court to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the 42 U.S. Code 1983 - Civil action for deprivation of rights Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Credit card Code 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.\n\n( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional.\n\n( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.\n\n( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.\n\n( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.\n\n15 U.S. Code 1642 - Issuance of credit cards No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within 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 ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 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 ; ( 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 ( 5 ) a statement that, upon the consumers 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\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The 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( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. \nTo who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization .\n\nPlease provide breakdown of fees including any collection costs and medical charges.\n\nProvide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. \nAlso, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. \nThis includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. \nIf your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, Experian and XXXX ) request shall be sent to me immediately. \nI would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.\n\nIt would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses.\n\n( 1 ) In general. \nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \n( 2 ) Terrorism offense.\n\nWhoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.","date_sent_to_company":"2024-04-12T21:46:08.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"8761686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-12T20:16:50.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Also the <em>credit</em> bureaus failed to do a complete a full <em>investigation</em> here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY <em>CREDIT</em> REPOT I SEE THEY ARE FAILED TO COMPLETE A FULL <em>investigation</em>. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> is my correct name this is a violation. CLOSE WITH MONETARY RELIEF."],"product":["<em>Credit</em> reporting or other personal consumer reports"]},"sort":[4.925168,"8761686"]},{"_index":"complaint-public-v1","_id":"10717011","_score":4.7314634,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"OUR COMPLAINT\nI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States of\nAmerican I XXXX, have look at my credit report and see that there are\ninaccurate reports on my account child support dont not report to credit reporters and by\nlawful cancellation all contracts and remove theses accounts off my credit profile I will like a\ncontract to show that me a living soul that me and them the other party showed in contact\nwhere we both agreed upon on all disclosure must be showed its a invalid contract please\nremove from my credit report it have hinder me from my future benefits. UCC 1-308 without\nprejudice Please remove these accounts immediately. I Recently viewed my credit report\nand saw that there is incorrect information on my credit report. In accordance with the Fair\nCredit Reporting act. These accounts is inaccurate and dont have no contract with me or\ndid not notify me or put me on notice that was going to report these accounts on my credit\nreport. I have the rights to private I will love equity for all the inaccurate accounts on my\ncredit report.The List of accounts below has violated my federally protected consumer rights\nto privacy and confidentiality under 15 USC 1681. I HAVE NOTICE THESE NAMES AND\nADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX is not my address DO NOT BELONG TO ME CAN YOU\nPLEASE REMOVE THIS ADDRESS FROM MY INFORMATION ON MY CREDIT REPORT\nIMMEDIATELY. : I have tried time after times delete this\noff my credit report immediately this is not acting in good Faith by law to delete this account immediately yes deleted this account IMMEDIATELY . (XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans Union have removed and deleted this child support. I would this is my XXXX  time contacting \nXXXX  to deleted it and they put it back in my credit report its a VIOLATION by law thats\nillegal I will like for these accounts to be deleted and remove this account immediately. XXXX XXXX XXXX XXXX XXXX, has\nviolated my rights. 15 U.S.C 6802 (B) The consumer is given the opportunity, before the time\nthat such information is initially disclosed, to direct that such information not be disclosed to\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX  such XXXX  party; and (C)the consumer is given an explanation of how the consumer can\nexercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to\nprivacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency\ncannot furnish an account without my written instructions. 15 U.S.C 1681c. (a)(5) Section\nStates: no consumer reporting agency may make any consumer report containing any of the\nfollowing items of information Any other adverse item of information, other than records of\nconvictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681\nsection 623 If a consumer notifies a furnisher, at an address specified by the furnisher for\nsuch notices, that specific information is inaccurate, and the information is, in fact,\ninaccurate, the furnisher must thereafter report the correct information to CRAs. Section\n623(a)(1)(B). 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a\nconsumer to any consumer reporting agency if the person knows or has reasonable cause\nto believe that the information is inaccurate. Also the credit bureaus failed to do a complete\na full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING\nAND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I\ndont not want the reporting any thing for me on my credit account I am a living man I can\nconduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a\nviolation. I want this these account CLOSE\n WITH MONETARY RELIEF. They had fail to mail or\nemail me a FRA Letter explaining my rights and show me proof of my wet signature.. Please\nremove ALL HARD INQUIRIES I DUD NOT RECEIVED ANY THING FOR TRANSACTION \n\nTN XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS [TRANSUNION PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHT XXXX XXXX XXXX XXXX XXXX have VIOLATED MY RIGHTS I WIL LIKE XXXX dollar for every violation its stopped me from gettIng a place to live and I have already sent letters and emails no response back delete these accounts immediately IMMEDIATE AND SEND CHECK BY MAIL. These accounts dose not match on all credit reports please delete 15 US\n\n15 U.S. Code  1681i\n- Procedure in case of disputed accuracy (5) Treatment of inaccurate or unverifiable\ninformation (A) In general If, after any reinvestigation under paragraph (1) of any information\ndisputed by a consumer, an item of the information is found to be inaccurate or incomplete\nor cannot be verified, the consumer reporting agency shall (i) promptly delete that item of\ninformation from the file of the consumer, or modify that item of information, as appropriate,\nbased on the results of the reinvestigation; and (ii) promptly notify the furnisher of that\ninformation that the information has been modified or deleted from the file of the\nconsumer. 15 U.S. Code  1681q - Obtaining information under false pretenses Any person\nwho knowingly and willfully obtains information on a consumer from a consumer reporting\nagency under false pretenses shall be fined under title 18, imprisoned for not more than XXXX\nyears, or both. 15 U.S. Code  1666b - Timing of payments (a) Time to make payments A\ncreditor may not treat a payment on a credit card account under an open end consumer\ncredit plan as late for any purpose, unless the creditor has adopted reasonable procedures\ndesigned to ensure that each periodic statement including the information required by\nsection 1637(b) of this title is mailed or delivered to the consumer not later than XXXX  days\nbefore the payment due date. (b) Grace period If an open end consumer credit plan\nprovides a time period within which an obligor may repay any portion of the credit\nextended without incurring an additional finance charge, such additional finance charge\nmay not be imposed with respect to such portion of the credit extended for the billing cycle\nof which such period is a part, unless a statement which includes the amount upon which\nthe finance charge for the period is based was mailed or delivered to the consumer not\nlater than XXXX  days before the date specified in the statement by which payment must be\nmade in order to avoid imposition of that finance charge. 15 U.S. Code  1638 -\nTransactions other than under an open end credit plan a) Required disclosures by creditor\nFor each consumer credit transaction other than under an open end credit plan, the creditor\nshall disclose each of the following items, to the extent applicable: (1) The identity of the\ncreditor required to make disclosure. (2) (A) The amount financed, using that term, which\nshall be the amount of credit of which the consumer has actual use. This amount shall be\ncomputed as follows, but the computations need not be disclosed and shall not be\ndisclosed with the disclosures conspicuously segregated in accordance with subsection (b)\n(1): (i) take the principal amount of the loan or the cash price less downpayment and trade-\nin; (ii) add any charges which are not part of the finance charge or of the principal amount\nof the loan and which are financed by the consumer, including the cost of any items\nexcluded from the finance charge pursuant to section 1605 of this title; and (iii) subtract any\ncharges which are part of the finance charge but which will be paid by the consumer before\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX\nor at the time of the consummation of the transaction, or have been withheld from the\nproceeds of the credit. (B) In conjunction with the disclosure of the amount financed, a\ncreditor shall provide a statement of the consumers right to obtain, upon a written request,\na written itemization of the amount financed. The statement shall include spaces for a yes\nand no indication to be initialed by the consumer to indicate whether the consumer wants\na written itemization of the amount financed. Upon receiving an affirmative indication, the\ncreditor shall provide, at the time other disclosures are required to be furnished, a written\nitemization of the amount financed. For the purposes of this subparagraph, itemization of\nthe amount financed means a disclosure of the following items, to the extent applicable: (i)\nthe amount that is or will be paid directly to the consumer; (ii) the amount that is or will be\ncredited to the consumers account to discharge obligations owed to the creditor; (iii) each\namount that is or will be paid to third persons by the creditor on the consumers behalf,\ntogether with an identification of or reference to the third person; and (iv) the total amount\nof any charges described in the preceding subparagraph (A)(iii). XXXX The finance charge,\nnot itemized, using that term. XXXX The finance charge expressed as an annual percentage\nrate, using that term. This shall not be required if the amount financed does not exceed $XXXX  and the finance charge does not exceed XXXX, or if the amount financed exceeds $XXXX  and the\nfinance charge does not exceed XXXXXXXX XXXX) The sum of the amount financed and the finance\ncharge, which shall be termed the total of payments. XXXX) The number, amount, and due\ndates or period of payments scheduled to repay the total of payments. XXXX XXXX XXXX, 520 U.S. 329 (1997) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO THE UNITED STATES COURT\nOF APPEALS FOR THE XXXX XXXX XXXX XXXX Argued XXXX XXXX XXXX-Decided XXXX XXXX XXXX Respondents, five Arizona mothers whose children are eligible for state child\nsupport services under Title IV -D of the Social Security Act, filed this 42 U. S. C.  1983 suit\nagainst petitioner, the director of the state child support agency, claiming, among other\nthings, that they properly applied for child support services; that, despite their good faith\nefforts to cooperate, the agency never took adequate steps to obtain child support\npayments for them; that these omissions were largely attributable to staff shortages and\nother structural defects in the State's program; and that these systemic failures violated their\nindividual rights under Title XXXX  to have all mandated services delivered in substantial\ncompliance with the title and its implementing regulations. They requested broad relief,\nincluding a declaratory judgment that the Arizona program's operation violates TitlXXXX XXXX XXXX\nprovisions creating rights in them that are enforceable through a  1983 action, and an\ninjunction requiring the director to achieve substantial compliance with Title IV-D\nthroughout all programmatic operations. The District Court granted summary judgment for\npetitioner, but the XXXX XXXX  reversed. Without distinguishing among the numerous\nprovisions of the complex XXXX XXXX program or the many rights those provisions might\nhave created, the latter court held that respondents had an enforceable individual right to\nhave the State achieve \"substantial compliance\" with XXXX XXXX. It also disagreed with the\nDistrict Court's conclusion that Congress had foreclosed private XXXX XXXX enforcement\nactions by authorizing the Secretary of Health and Human Services (Secretary) to audit and\ncut off funds to States whose programs do not substantially comply with XXXX XXXX\nrequirements Held: XXXX XXXX does not give individuals a federal right to force a state\nagency to substantially comply with XXXX XXXX XXXX  (a) A plaintiff seeking  XXXX  redress must assert the violation of a federal right, not merely of federal lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 493 U. S. 103, 106. XXXX  principal factors determine whether a\nstatutory provision creates a privately enforceable right: XXXX whether the plaintiff is an\nintended beneficiary of the statute; (XXXX  whether the plaintiff's asserted interests are not so\nvague and amor- XXXX  Syllabus phous as to be beyond the competence of the judiciary to\nenforce; and (3) whether the statute imposes a binding obligation on the State. SeeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 496 U. S. 498, 509. Even if a plaintiff demonstrates such a\nright, however, there is only a rebuttable presumption that it is enforceable under  XXXX.\nDismissal is proper if Congress specifically foreclosed a  XXXX  remedy, XXXX XXXX XXXX,\n468 U. S. 992, 1005, XXXX XXXX XXXX, either expressly, by forbidding recourse to  XXXX  in the\nstatute itself, or impliedly, by creating a comprehensive enforcement scheme that is\nincompatible with individual  XXXX  enforcement, XXXX XXXX XXXX, 512 U. S. 107, 133. XXXX XXXX  (b) Respondents have not established that XXXX XXXX gives them individually\nenforceable federal rights. In prior cases, the Court has been able to determine whether or\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX\nnot a statute created such rights because the plaintiffs articulated, and lower courts\nevaluated, welldefined claims. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 479 U. S. 418, 430. Here, respondents have not identified with particularity the\nrights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry.\nThat court erred in apparently holding that individuals have an enforceable right to\n\"substantial compliance\" with XXXX XXXX in all respects. The statutory \"substantial\ncompliance\" requirement, see, e. g., 42 U. S. C.  609(a)(8) (1994 ed., Supp. II), does not give\nrise to individual rights; it was not intended to benefit individual children and custodial\nparents, but is simply a yardstick for the Secretary to measure the systemwide performance\nof a State's XXXX XXXX  program, allowing her to increase the frequency of audits and reduce\nthe State's federal grant upon a finding of substantial noncompliance. The Court of Appeals\nalso erred in taking a blanket approach to determining whether XXXX XXXX creates rights: It is\nreadily apparent that many of the provisions of that multifaceted statutory scheme,\nincluding its \"substantial compliance\" standard and data processing, staffing, and\norganizational requirements, do not fit any of the traditional criteria for identifying statutory\nrights. Although this Court does not foreclose the possibility that some XXXX XXXX  provisions\ngive rise to individual rights, the XXXX XXXX  did not separate out the particular rights it\nbelieved arise from the statutory scheme, the complaint is less than clear in this regard, and\nit is not certain whether respondents sought any relief more specific than a declaration that\ntheir \"rights\" were being violated and an injunction forcing petitioner to \"substantially\ncomply\" with all of XXXX XXXX provisions. This defect is best addressed by sending the case\nback for the District Court to construe the complaint in the XXXX  instance, in order to\ndetermine exactly what rights, considered in their most concrete, specific form, respondents\nare asserting. Only by manageably breaking down the 42 U.S. Code  1983 - Civil action for\ndeprivation of rights Every person who, under color of any statute, ordinance, regulation,\ncustom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to\nbe subjected, any citizen of the United States or other person within the jurisdiction thereof\nto the deprivation of any rights, privileges, or immunities secured by the Constitution and\nlaws, shall be liable to the party injured in an action at law, suit in equity, or other proper\nproceeding for redress, except that in any action brought against a judicial officer for an act\nor omission taken in such officers judicial capacity, injunctive relief shall not be granted\nunless a declaratory decree was violated or declaratory relief was unavailable. For the\npurposes of this section, any Act of Congress applicable exclusively to the District of\nColumbia shall be considered to be a statute of the District of Columbia. Credit card Code\n15 U.S. Code  1692k - Civil liability Amount of damages Except as otherwise provided\nby this section, any debt collector who fails to comply with any provision of this subchapter\nwith respect to any person is liable to such person in an amount equal to the sum of (1) any\nactual damage sustained by such person as a result of such failure; (2) (A) in the case of any\naction by an individual, such additional damages as the court may allow, but not exceeding\n$XXXX; or (B) in the case of a class action, (i) such amount for each named plaintiff as could\nbe recovered under subparagraph (A), and (ii) such amount as the court may allow for all\nother class members, without regard to a minimum individual recovery, not to exceed the\nlesser of $XXXX  or XXXX  per centum of the net worth of the debt collector; and (3) in the case\nof any successful action to enforce the foregoing liability, the costs of the action, together\nwith a reasonable attorneys fee as determined by the court. On a finding by the court that\nan action under this section was brought in bad faith and for the purpose of harassment, the\ncourt may award to the defendant attorneys fees reasonable in relation to the work\nexpended and costs. (b) Factors considered by court In determining the amount of liability\nin any action under subsection (a), the court shall consider, among other relevant factors\n(1) in any individual action under subsection (a)(2)(A), the frequency and persistence of\nnoncompliance by the debt collector, the nature of such noncompliance, and the extent to\nwhich such noncompliance was intentional; or (2) in any class action under subsection (a)(2)\n(B), the frequency and persistence of noncompliance by the debt collector, the nature of\nsuch noncompliance, the resources of the debt collector, the number of persons adversely\naffected, and the extent to which the debt collectors noncompliance was intentional. (c)\nIntent A debt collector may not be held liable in any action brought under this subchapter if\nthe debt collector shows by a preponderance of evidence that the violation was not\nintentional and resulted from a bona fide error notwithstanding the maintenance of\nprocedures reasonably adapted to avoid any such error. (d) Jurisdiction An action to\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX\nenforce any liability created by this subchapter may be brought in any appropriate United\nStates district court without regard to the amount in controversy, or in any other court of\ncompetent jurisdiction, within one year from the date on which the violation occurs. (e)\nAdvisory opinions of Bureau No provision of this section imposing any liability shall apply to\nany act done or omitted in good faith in conformity with any advisory opinion of the Bureau,\nnotwithstanding that after such act or omission has occurred, such opinion is amended,\nrescinded, or determined by judicial or other authority to be invalid for any reason. 15 U.S.\nCode  1642 - Issuance of credit cards No credit card shall be issued except in response to\na request or application therefor. This prohibition does not apply to the issuance of a credit\ncard in renewal of, or in substitution for, an accepted credit card. 15 U.S.C 1692g Validation\nof debts (a) Notice of debt; contents Within XXXX  days after the initial communication with a\nconsumer in connection with the collection of any debt, a debt collector shall, unless the\nfollowing information is contained in the initial communication or the consumer has paid\nthe debt, send the consumer a written notice containing (1) the amount of the debt; (2) the\nname of the creditor to whom the debt is owed; (3) a statement that unless the consumer,\nwithin thirty days after receipt of the notice, disputes the validity of the debt, or any portion\nthereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the\nconsumer notifies the debt collector in writing within the thirty-day period that the debt, or\nany portion thereof, is disputed, the debt collector will obtain verification of the debt or a\ncopy of a judgment against the consumer and a copy of such verification or judgment will\nbe mailed to the consumer by the debt collector; and (5) a statement that, upon the\nconsumers written request within the thirty-day period, the debt collector will provide the\nconsumer with the name and address of the original creditor, if different from the current\ncreditor. (b) Disputed debts If the consumer notifies the debt collector in writing within the\nthirty-day period described in subsection (a) that the debt, or any portion thereof, is\ndisputed, or that the consumer requests the name and address of the original creditor, the\ndebt collector shall cease collection of the debt, or any disputed portion thereof, until the\ndebt collector obtains verification of the debt or a copy of a judgment, or the name and\naddress of the original creditor, and a copy of such verification or judgment, or name and\naddress of the original creditor, is mailed to the consumer by the debt collector. Collection\nactivities and communications that do not otherwise violate this subchapter may continue\nduring the XXXX-day period referred to in subsection (a) unless the consumer has notified the\ndebt collector in writing that the debt, or any portion of the debt, is disputed or that the\nconsumer requests the name and address of the original creditor. Any collection activities\nand communication during the XXXX-day period may not overshadow or be inconsistent with\nthe disclosure of the consumers right to dispute the debt or request the name and address\nof the original creditor. (c) Admission of liability The failure of a consumer to dispute the\nvalidity of a debt under this section may not be construed by any court as an admission of\nliability by the consumer. (d) Legal pleadings A communication in the form of a formal\npleading in a civil action shall not be treated as an initial communication for purposes of\nsubsection (a). (e) Notice provisions The sending or delivery of any form or notice which\ndoes not relate to the collection of a debt and is expressly required by XXXX  XXXX, title V of\nGramm-Leach-Bliley Act [15 U.S.C. 6801 et seq.], or any provision of Federal or State law\nrelating to notice of data security breach or privacy, or any regulation prescribed under any\nsuch provision of law, shall not be treated as an initial communication in connection with\ndebt collection for purposes of this section. 15 U.S. Code  1681q - Obtaining information\nunder false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully\nobtains information on a consumer from a consumer reporting agency under false\npretenses shall be fined under XXXX XXXX imprisoned for not more than XXXX  years, or both. To\nwho it may concern , After viewing a copy of my credit report, I noticed a collection account\nplaced on my credit report from you in XXXX  I am requesting that you allow me to validate\nthe alleged debt. I am unaware of any outstanding medical bills that I possess, and I am\nseeking the name and hospital/medical provider to which I owe the debt and a detailed\nbreakdown of the fees that I owe. Additionally, I am allowed under the Heath insurance\nPortability and Accountability Act (HIPAA] to protect my privacy and medical records from\nthird parties. I did not give permission to any of my current or prior medical providers to\nrelease any of my medical information to a third party. I am aware that the HIPAA does\nallows the release of limited information about me but anything more is to only be revealed\nwith the patient's authorization. Therefore, my request is twofold-validation of debt and\nXXXX XXXX XXXX XXXX\nPage XXXX of XXXX  HIPAA authorization.  Please provide breakdown of fees including any collection costs and\nmedical charges.  Provide a copy of my signature with the provider of service to release my\nmedical information to you.Cease any credit bureau reporting until the debt has been\nvalidated by me, Please send this information to my address listed above and accept this\nletter, sent certified mail, as my formal debt validation request, which I am allowed under the\nFDCPA. Please note that withholding the information you received from any medical\nprovider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you\nwill be deceiving me after my written request. I request full documentation of what you\nreceived from the provider of service in connection with this alleged debt. Additionally, any\nreporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of\nthe Fair Credit Reporting Act, which can allow me to seek damages from a collection\nagency. I will await your reply with above requested proof. Upon receiving it, I will\ncorrespond back by certified mail.\nI reserved all my rights to amend this Contract the Finance Manager Requested that I give it to the Dealership I have advised the Seller  told the buyer that I XXXX XXXX XXXX Private Individual Banker is a Beneficiary Of my trust and this is a Purchase for my trust XXXX XXXX XXXX XXXX XXXX XXXX request that they  will accept my TENDER OF PAYMENT for settlement of this account to be (balance to .00) on the books and to file IRS FORMS 1099s to properly balance the United States Treasury Debt I have signed this contract and I have not give my rights to amended this contract on Date:XXXX signed by the Beneficiary XXXX XXXX Private Individual Banker ESTATE /TRUST Exempt Form Levy I reserve all my rights WITHOUT RECOURSE UCC1-308 I will be using my credit for this transaction and not paying in cash and I have send my letter to the Finance Manager by email he requested they I send a tender of payment to retrieve my property I need to have cash or a check and which he have received and told me to send it to bank and it been over XXXX  and I have the right to receive my property and use my credit for this transaction and dont have to use cash or and any other payment of XXXX XXXX XXXX XXXX  We the people have the right to use credit or a tender of payment and if its not accepted by the party or Leander or vendor it is discharged by law all debt is obligation to the United States. Your company didnt disclose any truth in lending or cannot show me where I can send it to panties with cash, and I was trying to pay with my internal credit and not actual funds this is my GOD Giving rights and by law show me where it stated in law where I cant use my credit for this transaction or cant use negotiable instruments. I do not consent to your contract for FCRAAs a federal protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal 15 USC 1602. And I would like conversation for all the violations.\n16 CFR  313.1 - Purpose and scope. \n\tCFR \n\tTable of Popular Names\nprev | next\n XXXX  Purpose and scope.\n(a) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph (b) of this section. This part: \n(1) Requires a financial institution in specified circumstances to provide notice to  customers about its privacy policies and practices; \n(2) Describes the conditions under which a financial institution may disclose  nonpublic personal information about consumers to nonaffiliated third parties; and \n(3) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX XXXX, and 313.15. \n(b) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission(Commission) has rulemaking authority pursuant to section 504(a)(1)(C) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4(k) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843(k), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519(b) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.\n[65 FR 33677, XXXX XXXX XXXX  as amended at 86 FR 70025, XXXX XXXX XXXX\n16 CFR  433.2 - Preservation of consumers' claims and defenses, unfair or deceptive acts or practices. \n\tCFR \n\tTable of Popular Names\nprev | next\n XXXX  Preservation of consumers' claims and defenses, unfair or deceptive acts or practices.\nIn connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive  act or practice within the meaning of section XXXX of that  Act for a  seller, directly or indirectly, to:\n(a) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type:\nNOTICE\nANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.\nor,\n(b) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan (as  purchase money loan is defined herein), unless any consumer credit contract made in connection with such  purchase money loan contains the following provision in at least ten point, bold face, type:\nNOTICE\nANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR","date_sent_to_company":"2024-11-06T18:03:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"10717011","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-06T17:25:23.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Also the <em>credit</em> bureaus failed to do a complete\na full <em>investigation</em> here is my certified cfpb complaint number. I HAVE TRYING CALLING\nAND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY <em>credit</em> profile and I\ndont not want the reporting any thing for me on my <em>credit</em> account I am a living man I can\nconduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL <em>investigation</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[4.7314634,"10717011"]},{"_index":"complaint-public-v1","_id":"6482545","_score":3.6220956,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Financial Protection Bureau\nP.O. Box 2900\nClinton, \nIA 52733-2900 TRUIST BANK  BREACH OF DUTY OF CARE\n \t \t \t \nDear Sir/Madam of the Consumer Financial Protection Bureau,  \n\nPlease take the time to read this information pack as it will explain the reason for my complaint to the Consumer Financial Protection Bureau. \n\nOn XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated\nby XXXX XXXX (the Scammer) and innocently lost XXXX  USD of my hard-earned life-savings.  I advised Truist Bank of this fact on XXXX XXXX XXXX and I havent received any satisfactory response so far.\n\nTruist Bank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices (GIP) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm.   \n \nSince XXXX XXXX, I have been attempting to resolve this matter with Truist Bank, but they have failed to settle this matter satisfactorily. I have been dealing with Truist Bank in good faith and am deeply disappointed in how they have handled this matter thus far.  \n   \nI find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. \nAccordingly, I respectfully insist that Truist Bank covers all overdrafts (560,000.00 USD) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Truist Bank and have never had any difficulties of this kind before.\n\nFURTHER POINTS FOR CONSIDERATION \n\nThe examples of good and bad practices around investment fraud. Good practice included but was not limited to:\n\tA bank regularly assesses the risk to itself and its customers of losses from fraud, including investment fraud, in accordance with their established risk management framework. The risk assessment does not only cover situations where the bank could cover losses, but also where customers could lose and not be reimbursed by the bank. Resource allocation and mitigation measures are informed by this assessment.\n\tA bank contacts customers if it suspects a payment is being made to an investment fraudster.\n\tA bank has transaction monitoring rules designed to detect specific types of investment fraud. Investment fraud subject matter experts help set these rules.\n\tReal-time payment screening against a well-formulated watch list; transaction monitoring rules designed to detect specific types of investment fraud\n\tBanks actively contacting customers if suspect payments are identified\n\tBanks placing material on investment fraud on its website\n\tWork to detect and prevent investment fraud from being integrated with a banks vulnerable customers initiative\n\nTaking into account the law, regulatory rules and guidance, relevant codes of practice and what should consider having been good industry practice at the time, Truist Bank should reasonably and reasonably consider:\n\tHave been monitoring accountsand any payments made or receivedto counter various risks, including anti-money-laundering, countering the financing of terrorism, and preventing fraud and scams;\n\tHave had systems in place to look out for unusual transactions or other signs that might indicate its customers were at risk of fraud (amongst other things). This is particularly so given the increase in sophisticated fraud and scams in recent years, which banks are generally more familiar with than the average customer; and\n\tIn some circumstances, irrespective of the payment channel used, have taken additional steps, or made additional checks, before processed a payment, or in some cases declined to make a payment altogether, to help protect customers from the possibility of financial harm from fraud.\n\nDespite the regulatory and statutory requirements Truist Bank shall abide by as a licensed and regulated financial institution, instead of detecting patterns, drawing certain conclusions, and taking actions accordingly, Truist Bank may have insufficiently performed some hasty and haphazard review of the transaction(s) regarding the suspicious activities, but it seems that rather than being careful, methodical, and vigilant, they took no notice of what was happening.\n\nPlease be noted that I will not in any way quietly tolerate the consequences of Truist Bank actions (or more precisely, the lack thereof). It is perfectly obvious that they could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and could have entirely prevented this disastrous outcome.\nAs previously advised, they should have known, suspected, or had reason to suspect that the transactions (or pattern of transactions):\n\tinvolve funds the ultimate purpose of which was to fuel an illegal enterprise;\n\tis intended to disguise funds the ultimate purpose of which was to fuel an illegal enterprise, in an attempt to avoid and thus violate regulations;\n\tis intentionally designed to defraud your customer;\n\tserves no legitimate or lawful purpose; and\n\tinvolve the use of your services to facilitate criminal activity.\n\nThere are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following:\n\tThe timing, volume, frequency, and nature of the transactions in question;\n\tThe abnormality of such transactions against the background of your experience with me as a customer and other entities associated with the transactions (if any);\n\tThe suspicious nature of such transactions based on my overall risk profile including vulnerability and identification and research of high-risk services/products;\n\tSystemic filtering mechanisms, whether manual or automatic, for the identification of unusual activities; and\n\tPeriodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud programs, and other associated policies and procedures.\n\nRelevant industry practices at the time of the victimization:\nTruist Bank is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n\tparticularly vulnerable, or\n\tif the possibility of fraud was serious or real, not just suspected.\n\nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.\nThese recommendations are established as a general principle, the organization should deliver a service that:\n\n1)\tTakes a proactive approach to minimizing risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organization:\n\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\n\nB) organizations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action.\n\nMy true issue with the bank is their limited understanding of the kind of recall I was requesting to raise. The most common reason for a recall is where the account holder says the transaction was not authorised; a recall can also be claimed if the goods were not received or if the cardholder paid in another way (eg., with cash).\n\nWhilst I am not denying the demand for the reason code, I am emphasizing to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Truist Bank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case.\n\nTruist Bank could have done more at the time of the payment to warn me of the risks of scams\n\tTaking steps to educate their customers about scams.\n\tTaking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams.\n\tProviding effective warnings to customers if the bank identifies a scam risk.\n\tTaking extra steps to protect customers who might be vulnerable to scams.\n\tTalking to customers about payments and even delaying or stopping payments where there are scam concerns.\n\tActing quickly when a scam is reported to it.\n\tTaking steps to stop fraudsters from opening bank accounts.\nBanks and other Payment Services Providers (PSPs) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account.\nBut, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment.  \nI think Truist Bank shouldve had enough knowledge of this type of scam at the time. Truist Bank could have protected me from this; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Truist Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.\nAlthough it was not Truist Bank that scammed me, they had many obligations to protect my Financial Interest - which they did not uphold if you take a quick look at the bank statements you will realise how the transactions were absolutely out of the usual pattern, there was suddenly increased spending, payments for considerably large amounts, series of payments to a new payee and of course financial activity that matched a known method of fraud or financial abuse.\nAll of the above points were not considered by Truist Bank when I was victimised, and no actions were taken to prevent that victimisation. Of course, I appreciate that they might want to act in good faith and uphold my requests to transfer these payments but the code sets out that organisations should have a process in place, to ensure that (i) staff make contact with the customer to verify the financial activity, (ii) challenge its authenticity, (iii) explain the nature of the suspected or detected fraud and (iv) discuss an appropriate plan of action. \n \nTo further simplify the situation with respect to the nature of the transactions, there are circumstances, irrespective of the payment channel used, where a bank should take additional steps, or make additional checks, before processing a payment, or in some cases decline to make a payment altogether, to help protect customers from the possibility of financial harm. This is particularly so in light of the environment created by the increase in sophisticated fraud and scams in recent years - which banks are generally more familiar with than the average customer.\n \nKindly take into account that this case against Truist Bank is not primarily about the scam that happened. My main issue with Truist Bank is its unwillingness to raise a recall under the relevant reason code. It is obvious that they did not take any of my reasonings into account and blatantly focused on the authorisation argument that does not match my case and the issue of whether the transactions were fraudulent according to what is written on the paper. \n\nAnti-Money Laundering Requirements for Financial Institutions and Other Designated Businesses \n\n3.1 What financial institutions and other businesses are subject to anti-money laundering requirements? Describe which professional activities are subject to such requirements and the obligations of the financial institutions and other businesses. The following are subject to the requirement to maintain risk-based AML Programs: \n\n\tBanks, including savings associations, trust companies, credit unions, branches and subsidiaries of foreign banks in the United States, and Edge corporations.\n\tBroker-dealers in securities.\n\tMutual funds. Futures Commission Merchants and Introducing Brokers in Commodities. Money Services Businesses 3.4 What are the requirements for recordkeeping or reporting large currency transactions? When must reports be filed and at what thresholds?\n\nCurrency Transaction Reporting\n\nFinancial institutions (defined as financial institutions under the BSA regulations) must file CTRs with FinCEN on all transactions in (physical) currency in excess of XXXX  (or the foreign equivalent) conducted by, though, or to the financial institution, by or on behalf of the same person, on the same day. 31C.F.R.  1010.310315.\nIt is prohibited to structure transactions to cause a financial institution not to file a CTR or to file an inaccurate CTR by breaking down transactions into smaller amounts at one or more financial institutions over one or more days. 31 C.F.R.  1010.314.\n\nCustomer Due Diligence\nPursuant to regulatory requirements, which became effective May 11, 2018, as part of their AML Programs, certain financial institutions (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must implement formal risk-based CDD programs that include certain minimum elements, including customer identification and verification (under a Customer Identification Program), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts, obtaining beneficial ownership information at a 25% threshold\nfor legal entity customers and identifying a control person for legal entity customers (with certain exceptions).\n\nThere also is a specific BSA requirement to maintain CDD programs for non-U.S. persons private banking accounts and foreign correspondent accounts. The same covered financial institutions as for CDD programs (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must maintain a CDD program for non-U.S. private banking accounts established on behalf of, or for the benefit of, a non-U.S. person and foreign correspondent customers and an enhanced due diligence (EDD) program for those relationships posing a higher risk. These programs must be designed to detect and report suspicious activity with certain minimum standards. These requirements are based on Section 312 of the PATRIOT Act and are often referred to as Section 312 requirements. 31 C.F.R.  1010.610 (due diligence for foreign correspondent accounts), 1010.620 (due diligence for private banking for non-U.S. persons).\n3.9 What is the criteria for reporting suspicious activity?\n\nFinancial institutions and other businesses subject to the AML Program requirement (except Check Cashers, Operators of Credit Card Systems, and Dealers in Precious Metals, Precious Stones, or Jewels) are required to file SARs with FinCEN under the BSA (and for banks, under parallel requirements of their federal functional regulators). SARs are required where the filer knows, suspects, or has reason to suspect a transaction conducted or attempted by, at\nor through the financial institution: \n\n\tinvolves money laundering;\n\tis designed to evade any BSA regulation or requirement;\n\thas no business or apparent lawful purpose or is not the sort in which a particular customer would engage; or \n\tinvolves the use of the financial institution to facilitate criminal activity or involves any known or suspected violation of federal criminal law. \n\tSee, e.g., 31 C.F.R.  1023.320(c) (SAR requirements for broker-dealers). Generally, the reporting threshold is XXXX or more. For banks, if the suspect is unknown, it is XXXX or more. For MSBs, generally, it is XXXX or more.\n\nIn XXXX XXXX the office of the Senator XXXX XXXX  issued a report called: Facilitating Fraud: How Consumers Defrauded on XXXX are Left High and Dry by the Banks that Created It. These are some of the most important statements mentioned in the report:\nIn XXXX XXXX, Senator XXXX opened an investigation to determine the extent of fraudulent activity on XXXX, and to understand how the company and the banks that own and operate it make consumers whole when they are defrauded on the platform. Senators XXXX XXXX XXXX XXXX  wrote to XXXX seeking information about the frequency of scams and fraud and the companys policies on redressing consumers who have been defrauded. \nThe information provided by XXXX revealed that an estimated XXXX XXXX was lost by XXXX users through frauds and scams in 2021, but that the banks that participate in the network appear not to have provided sufficient recourse to their customers. In particular, XXXX response indicated that XXXX  facilitates fraudulent activity of many kinds That includes activity in which a users account is accessed by a bad actor and used to transfer a payment  often called unauthorized transactions  and activity in which a user is fraudulently induced into transferring a payment to a bad actor  often referred to by XXXX and XXXX-participant banks as authorized transactions.\nSenators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then sent letters to the seven big banks that own and operate XXXX parent company to determine the extent of the problems with illegal and fraudulent activity, and to determine how banks were helping consumers who lost money on the platform.\nAt nearly every turn, most of the big banks have stonewalled, refusing to provide the information requested by members of Congress. However, Senators XXXX XXXX XXXX finally obtained commitments from several of the banks CEOs that they would provide the information on XXXX to Congress during a Committee on Banking, Housing, and Urban Affairs hearing on XXXX XXXX XXXX\nOverall, the three banks that provided complete data sets  XXXX XXXX XXXX XXXX, and Truist  reported 35,848 cases of scams, involving over XXXX  million of payments in XXXX  and the first half of XXXX. In the vast majority of these cases, the banks did not repay the customers that reported being scammed. Overall these three banks reported repaying customers in only 3,473 cases (representing nearly 10% of scam claims) and repaid only XXXX XXXX  (representing 11.2% of payments).\nThe findings of this report reveal that fraud and theft on XXXX are widespread and growing, with consumers losing XXXX  each year. The banks that own and profit from the platform are failing to make their customers whole for both authorized and unauthorized fraudulent transactions, while refusing to release information publicly or to their customers that could help keep all consumers safe. Given this uncertain landscape and the banks abdication of responsibility, regulatory clarity is needed to further protect XXXX  users.\nThe CFPB has regulatory authority over peer-to-peer platforms including XXXX, and is reportedly considering issuing guidance to push banks to cover more fraudulently induced transactions, a move that would greatly improve consumer protections on peer-to-peer platforms like XXXX The agency should act to clarify and strengthen Regulation E and include fraud in the Regulations error resolution purview, increasing the responsibility of banks to keep XXXX safe and to ensure that consumers will be protected. The banks that created and profit off of XXXX should be pushed to protect their consumers from bad actors on their platform, and regulators should step in to ensure a fair and consistent process for everyone.\nFrom the report issued by the office of Senator XXXX XXXX, it is clear that the banks dont treat scam victims fairly, only 10% of scam victims get a compensation from the bank, while others just left suffering. Even more, banks keep getting their profit, while more and more people keep being scammed, hacked, simply saying, losing their hard-earned funds.\nAs it is mentioned in the report, such organizations as CFPB should issue a guidance in which it will be written how step-by step, financial institutions need to check each and every transaction that looks suspicious, especially those which are sent to a new payee (e.g., cryptocurrency platforms). In case if the financial institution doesnt follow these rules and their customer is scammed, it shouldnt be blamed only as a victims guilt. Financial institutions need to take their responsibility as well and provide their customer with a decent compensation.\n\nDesired outcome: Truist Bank has to put things into the right perspective for me by reversing the total amount of XXXX  USD paid to scammers as I have suffered a great loss because of this fraud, it had affected me personally, emotionally and financially. \n\n\nYours sincerely, \n\nXXXX XXXX","date_sent_to_company":"2023-01-24T12:46:36.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"6482545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-01-24T12:41:22.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Overall these three banks reported repaying customers in only 3,473 cases (representing nearly 10% of scam claims) and repaid only <em>XXXX</em> <em>XXXX</em>  (representing 11.2% of payments).\nThe <em>findings</em> of this report reveal that fraud and theft on <em>XXXX</em> are widespread and growing, with consumers losing <em>XXXX</em>  each year."]},"sort":[3.6220956,"6482545"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":19,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":19}]}},"product":{"doc_count":19,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":7}]}},{"key":"Credit reporting or other personal consumer 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