{"took":641,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":171,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6636096","_score":28.74914,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Filed 1st complaint ( XXXX ) on XX/XX/2023. \nCompany FAILED TO COMPLY WITH FEDERAL LAW 15 USC 1666 AND FAILED TO provide me a written Notice acknowledging they received my Billing Error Notice.\n\nThey also FAILED TO COMPLY AND send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nTHESE R VIOLATIONS AND THEY ARE LIABLE TO ME DAMAGES ACCORDING TO LAW.","date_sent_to_company":"2023-03-01T15:56:40.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"34759","tags":null,"has_narrative":true,"complaint_id":"6636096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2023-03-01T14:45:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["They also FAILED TO COMPLY AND send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[28.74914,"6636096"]},{"_index":"complaint-public-v1","_id":"4552889","_score":28.100702,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.","date_sent_to_company":"2021-07-18T16:14:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20735","tags":null,"has_narrative":true,"complaint_id":"4552889","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-07-18T16:14:15.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[28.100702,"4552889"]},{"_index":"complaint-public-v1","_id":"4552888","_score":28.094082,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.","date_sent_to_company":"2021-07-18T16:14:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20735","tags":null,"has_narrative":true,"complaint_id":"4552888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-07-18T16:14:15.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[28.094082,"4552888"]},{"_index":"complaint-public-v1","_id":"4552878","_score":28.02641,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.","date_sent_to_company":"2021-07-18T16:14:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20735","tags":null,"has_narrative":true,"complaint_id":"4552878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-18T15:40:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."]},"sort":[28.02641,"4552878"]},{"_index":"complaint-public-v1","_id":"7858346","_score":26.98242,"_source":{"product":"Credit card","complaint_what_happened":"I found two unknown charges on my card ; one from XXXX for {$140.00} and the other from XXXX for {$140.00}. In the case of the XXXX charge, they too had no record of it and specifically asked me to dispute the charge on my card. I opened two disputes with American Express. \n\nThe terms of the Fair Credit Billing Act, 15 USC Chapter 41, subchapter I, part D are very clear. The creditor shall ... \" Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the statement reflects goods not delivered to the obligor, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered and provides the obligor with a statement of such determination. '' Rather than conduct an investigation, or provide me with the documents requested, American Express sent out a template denial letter in complete disregard of the law ( documents attached ). You will note that even though these were two independent transactions, requiring two seperate investigations, the information provided is EXACTLY the same.","date_sent_to_company":"2023-11-16T18:52:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"110XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7858346","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-11-16T18:29:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The creditor shall ... \" Send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligor 's indebtedness."],"issue":["Problem with a purchase shown on your <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your <em>statement</em>"]},"sort":[26.98242,"7858346"]},{"_index":"complaint-public-v1","_id":"3955560","_score":24.694447,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been an American Express Card Member for 37 years and I have the black Centurion card, the fees for which are {$5000.00} a year. I am a loyal Amex cardholder, but even for me, Amex has not followed the settlement procedure laid out in the Fair Credit Billing Act ( 1974 ). The Act states : \" The creditor shall ... send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement. '' Amex did not do this. \nI discovered a fraudulent charge I had no knowledge of for {$200.00} on my card which I put into dispute. American Express contacted the vendor ( XXXX  ) but did not carry out its own investigation. It simply stated ( see attached letter ) that \" the merchant has advised that the charge is valid ''. If this were to be recognized as a valid reason for denying a claim, then there would be no need for Amex to carry out the independent investigation which is required by law - it could just accept the word of the vendor in every claim. In its response, Amex also requests me to contact the vendor to resolve the issue. But even the contact information the vendor provides is false. It provides contact information for a third party ( who tells you to contact XXXX ) - not for XXXX itself. Amex did not even research the validity of the contact information it suggests I use to resolve the dispute. No investigation was carried out by Amex.","date_sent_to_company":"2020-11-15T17:57:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"110XX","tags":null,"has_narrative":true,"complaint_id":"3955560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-11-15T16:46:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The Act states : \" The creditor shall ... send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em>. '' Amex did not do this. \nI discovered a fraudulent charge I had no knowledge of for {$200.00} on my card which I put into dispute."],"issue":["Problem with a purchase shown on your <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your <em>statement</em>"]},"sort":[24.694447,"3955560"]},{"_index":"complaint-public-v1","_id":"9363166","_score":23.227526,"_source":{"product":"Student loan","complaint_what_happened":"In XXXX of XXXX, I contacted Navient to inform that I no longer was employed and wanted to setup a new payment plan. I informed them that I was receiving unemployment and government assistance. They refused to assist me with the matter. In XXXX of XXXX, I received my tax refund, and made a payment arrangement with them to get caught up. The customer service representative I spoke with informed me that my next payment would not be due until XXXX of XXXX \n\nIn late XXXX of XXXX  I began receiving calls that my payment was now due. Between XX/XX/year> and XXXX of XXXX, I verbally asked Navient to verify the billing information with me and review the call from XXXX of XXXX. Every phone call was met with the promise that a supervisor would reach out to me, after they reviewed the call, and I assured them that once the billing was confirmed that I would make the payment. \n\nAfter a call on XX/XX/year>, I decided to submit a written inquiry about the billing request and issues. \n\nNavient waited until after the 60 day mark to respond and reported delinquency to the credit bureaus. \n\nI have requested for them to remove that marking from my credit report because according to the law, 15 U.S. Code 1666 - Correction of billing errors, I had the right to verify the debt, without penalty.\n\nAccording to the law, 15 U.S. Code 1666 ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nThe investigation not being completed before the 60 days violates the law, 15 U.S. Code 1666 and therefore should be removed from my credit report.","date_sent_to_company":"2024-06-27T16:11:50.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9363166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-06-27T15:30:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of"]},"sort":[23.227526,"9363166"]},{"_index":"complaint-public-v1","_id":"10055071","_score":22.33369,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2024, my credit card was charged by XXXX XXXX in the amount of {$980.00}. Subsequently, I noticed a billing error in the amount of {$240.00} and have made several attempts to contact the merchant and resolve this billing error. Unfortunately the merchant never responded to my multiple communications. \n\nOn XX/XX/2024, I initiated a credit card billing dispute with Barclays. The dispute case ID is XXXX. \n\nOn XX/XX/2024, Barclays sent me a copy of merchant response to my billing dispute. The merchant response itemized billing items, including the item that was billed in error. I provided additional supporting documentation to Barclays to explain the billing error. \n\nOn XX/XX/2024 and XX/XX/2024, I received additional communications from Barclays notifying the case is closed without resolving the billing error. No further documentary evidence was provided by Barclays to explain its decision. \n\nIn accordance to the section 1666 ( a ) ( B ) ( ii ) of the Fair Credit Billing Act, the creditor shall send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nBy closing this billing dispute without providing documentary evidence to support its decision, Barclays has violated the Fair Credit Billing Act.","date_sent_to_company":"2024-09-08T21:18:28.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"27410","tags":null,"has_narrative":true,"complaint_id":"10055071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-09-08T20:33:50.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["In accordance to the section 1666 ( a ) ( B ) ( ii ) of the Fair Credit Billing Act, the creditor shall send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligor 's indebtedness."],"issue":["Problem with a purchase shown on your <em>statement</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your <em>statement</em>"]},"sort":[22.33369,"10055071"]},{"_index":"complaint-public-v1","_id":"16343602","_score":21.341158,"_source":{"product":"Credit card","complaint_what_happened":"I was sued by JPMorgan Chase Bank, N.A., on XX/XX/XXXX. During the discovery phase, I requested documents that are supposed to have been provided prior to closure of the account, and I was never provided them. JPMorgan Chase Bank, N.A., objected to providing them. A motion to compel further responses was filed and set to be heard on XX/XX/XXXX. Rather than be compelled, and held in contempt of court, JPMorgan Chase Bank, N.A., chose to dismiss the lawsuit on XX/XX/XXXX, and the court granted it on XX/XX/XXXX, thus, denying me of documents I have been trying to get for over XXXX  years now.\n\n15 USC Chapter 41, Subchapter I, Part D : Credit Billing 1666. Correction of billing errors ( a ) ( B ) ( ii ) states : send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nI request that above be provided.\n\nBoth the card holder agreement and 15 USC Chapter 41, Subchapter I, Part D : Credit Billing 1666. Correction of billing errors ( a ) ( A ) require no less than 30 days after having received an obligors dispute, provide written notification that the dispute has been received. During discovery, all of the notices and letters that are attached to the account were provided. The first notices and letters on the account are dated XX/XX/XXXX. The problem is all of those letters say the dispute ( s ) has been resolved. There is nothing dated before that stating the dispute has been received.\n\nA copy of such notice or letter is being requested.","date_sent_to_company":"2025-10-03T20:43:03.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95747","tags":"Servicemember","has_narrative":true,"complaint_id":"16343602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-03T20:04:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Correction of billing errors ( a ) ( B ) ( ii ) states : send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."],"issue":["Problem with a purchase shown on your <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your <em>statement</em>"]},"sort":[21.341158,"16343602"]},{"_index":"complaint-public-v1","_id":"7391860","_score":19.578217,"_source":{"product":"Debt collection","complaint_what_happened":"( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2023-08-12T19:35:15.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"7391860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Grow Credit Inc","date_received":"2023-08-12T19:19:14.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."]},"sort":[19.578217,"7391860"]},{"_index":"complaint-public-v1","_id":"5920319","_score":19.119062,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Title to personal vehicle was sent to bank by mistake. The bank sent a presentment and it was replied to with a conditional acceptance per the billing errors seen on said presentment. Attached to the conditional acceptance was a negotiable instrument for full satisfaction of any assumed debt. That negotiable instrument was refused and the bank refuses to release my title. \n\n\n3-603. TENDER OF PAYMENT. \nPrimary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. \n\n( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. \n\n( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. \n\n( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within XXXX days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than XXXX days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. \n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. \n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. \n( 7 ) Any other error described in regulations of the Bureau. \n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. \nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. \n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. \n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. \n\nATTACHED IS PROOF OF OWNERSHIP AND PROOF THAT THE BANK WAS BILLING THE WRONG \" PERSON ''","date_sent_to_company":"2022-09-13T14:26:34.000Z","issue":"Loan payment wasn't credited to your account","sub_product":"Title loan","zip_code":"92311","tags":"Servicemember","has_narrative":true,"complaint_id":"5920319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SCHOOLSFIRST FEDERAL CREDIT UNION","date_received":"2022-08-26T17:03:07.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":[", copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."]},"sort":[19.119062,"5920319"]},{"_index":"complaint-public-v1","_id":"21785277","_score":18.700634,"_source":{"product":"Debt collection","complaint_what_happened":"15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes Authorities ( CFR ) prev | next ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by\nthe obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing\ncycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. \nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. \n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\n( Pub. L. 90321, title I, 161, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1512 ; amended Pub. L. 96221, title VI 613 ( g ), 620, Mar. 31, 1980, 94 Stat. 177, 184 ; Pub. L. 111203, title X, 1087, 1100A ( 2 ), July 21, 2010, 124 Stat. 2086, 2107. )","date_sent_to_company":"2026-05-01T11:11:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"21785277","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-05-01T10:59:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."]},"sort":[18.700634,"21785277"]},{"_index":"complaint-public-v1","_id":"9943712","_score":17.87157,"_source":{"product":"Credit card","complaint_what_happened":"15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 15 U.S Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( XXXX ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( XXXX ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2024-08-28T23:08:37.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"08016","tags":null,"has_narrative":true,"complaint_id":"9943712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2024-08-28T22:46:47.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["of any change in the amount indicated by the obligor under paragraph ( XXXX ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies"]},"sort":[17.87157,"9943712"]},{"_index":"complaint-public-v1","_id":"18163364","_score":17.83023,"_source":{"product":"Checking or savings account","complaint_what_happened":"These accounts are fraudulent and needs to be removed immediately 15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes Authorities ( CFR ) prev | next ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\n( Pub. L. 90321, title I, 161, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1512 ; amended Pub. L. 96221, title VI 613 ( g ), 620, Mar. 31, 1980, 94 Stat. 177, 184 ; Pub. L. 111203, title X, 1087, 1100A ( 2 ), July 21, 2010, 124 Stat. 2086, 2107. )","date_sent_to_company":"2025-12-19T03:32:32.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"75208","tags":null,"has_narrative":true,"complaint_id":"18163364","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-12-19T03:27:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.83023,"18163364"]},{"_index":"complaint-public-v1","_id":"7936855","_score":17.123178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nDid I give you written instructions to furnish this on my credit report?\n\nFurthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term \" consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.\n\nDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\nI have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap Account name : XXXXXXXX XXXX XXXX XXXX  Account number XXXX Date opened : XXXX XXXX XXXX Late payment date : XXXX","date_sent_to_company":"2023-12-02T06:28:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"7936855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-02T06:28:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.123178,"7936855"]},{"_index":"complaint-public-v1","_id":"8414309","_score":17.11773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Electronic Fund Transfer Act, it has come to light that U S DEPT OF ED/XXXX or NELNET has not appropriately credited my account with the dividend payments and interest derived from my Treasury Coupons for the certificates of indebtedness.\n\nI EXERCISE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER PER 15 U.S. Code 1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number.\n\n15 U.S. Code 1666 - Correction of billing error ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing errorFor the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2024-02-24T22:12:25.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"78221","tags":null,"has_narrative":true,"complaint_id":"8414309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-02-24T21:47:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."]},"sort":[17.11773,"8414309"]},{"_index":"complaint-public-v1","_id":"8413693","_score":17.11773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Electronic Fund Transfer Act, it has come to light that U S DEPT OF EDXXXXXXXX XXXX XXXX has not appropriately credited my account with the dividend payments and interest derived from my Treasury Coupons for the certificates of indebtedness. \n\nI EXERCISE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER PER 15 U.S. Code 1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. \n\n\n\n\n\n15 U.S. Code 1666 - Correction of billing error ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. \n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. \n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau. \n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing errorFor the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. \n( XXXX ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2024-02-24T22:12:31.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"78221","tags":null,"has_narrative":true,"complaint_id":"8413693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-02-24T22:12:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."]},"sort":[17.11773,"8413693"]},{"_index":"complaint-public-v1","_id":"7938485","_score":17.11159,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nDid I give you written instructions to furnish this on my credit report?\n\nFurthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term \" consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.\n\nDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\nI have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap Account name : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX Late payment date : XXXX","date_sent_to_company":"2023-12-02T06:28:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"7938485","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-02T06:28:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.11159,"7938485"]},{"_index":"complaint-public-v1","_id":"7936787","_score":17.11159,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nDid I give you written instructions to furnish this on my credit report?\n\nFurthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term \" consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.\n\nDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\nI have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap Account name : XXXX XXXX XXXX XXXX Account number XXXX Date opened : XXXX XXXX XXXX Late payment date : XXXX","date_sent_to_company":"2023-12-02T06:28:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"7936787","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-02T05:07:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."]},"sort":[17.11159,"7936787"]},{"_index":"complaint-public-v1","_id":"8288024","_score":16.600033,"_source":{"product":"Credit card","complaint_what_happened":"Chase Fraud Department XX/XX/XXXX RE : credit card account number ending XXXX I have disputed a credit card charge on my account from XXXX in the amount of {$140.00} originally posted to my account on XX/XX/XXXX. You now have come back twice and determined that I am responsible for the charge. \nI contacted your fraud department on several occasions. On the initial conversation your personnel provided me with a number ( XXXX XXXX ) to contact the vendor to resolve the issue. That telephone number was to an individual who stated, this is my cell phone number in Maryland which someone has stolen and is using for fraud. The second time I spoke with your department they provided me with a different telephone number ( XXXX ), which I subsequently found out was on XXXX website. When I tried that number I received the voicemail message, which I transcribed, This is not XXXX XXXX I am in no shape form or fashion affiliated with XXXX \nI advise you to contact your financial institution to try to get your money back. I have reached out to the FBI and the XXXX XXXX XXXX to try to get my phone number removed from their website. \nI wish you the best of luck. \nIn your Reason for determining the charge was valid, you stated Merchandise was billed to or shipped to your address. \nFor the record, I have never heard of the company, nor have I ever purchased or received any product from them. \nAs a consumer I hereby choose to exercise my rights under 15 USC Chapter 41, Subchapter I, Pard D : Credit Billing 1666 Correction of bill errors. \nthe creditor shall, ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. \nPlease provide me with the documentary evidence utilized by your company to justify your decision. \nEvery avenue and direction your department has pointed me has resulted in some indication of fraud. Yet you have made a determination that I am liable for the charges. In fact, every charge on my statement contains some sort of reference/tracking number except for the charge in question. \n\nBased upon your online reviews of how your firm handles these transactions, I am surprised that a Class Action Suit has not been filed. When you attempt to upload a document to support any claim on Chases website it required you to input a Claim Number ID ( Which is supposed to be provided by Chase ) What's your claim ID? \nYour claim ID should start with a capital \" C '' followed by a hyphen, 8 numbers, a second hyphen, then up to 16 numbers. \nCheck any letters we sent you for this ID. It will start with a capital \" C '' followed by a hyphen, 8 numbers, a second hyphen, then up to 16 numbers. If you don't know it, please call us at XXXX. \n\nBoth letters that I have received by the Chase Fraud Department does not include any such Claim ID. \n\nI will await your response. I can be contacted by email at XXXX or XXXX. \n\nXXXX XXXX XXXX XXXX : // XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX CEO Credit Card Services XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-05T12:58:14.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"8288024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-05T12:54:01.000Z","state":"MD","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["the creditor shall, ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligor 's indebtedness. \nPlease <em>provide</em> me with the documentary evidence utilized by your company to justify your decision."],"issue":["Problem with a purchase shown on your <em>statement</em>"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your <em>statement</em>"]},"sort":[16.600033,"8288024"]},{"_index":"complaint-public-v1","_id":"18131944","_score":16.573874,"_source":{"product":"Checking or savings account","complaint_what_happened":"Sent XX/XX/XXXX This complaint contains new evidence, procedural failures, and claims not included in any prior submission. \n\nXXXX. XXXX of Accounts XX/XX/XXXX In XX/XX/XXXX, I independently contacted PNC Bank to determine whether any accounts existed under my name due to suspicion of unauthorized activity. I provided all required identification and verification. \n\nPNC disclosed only minimal information, implying that a savings account existed in my name. Employees focused on limiting my access rather than initiating proper safeguards required when identity theft is suspected. I was advised to obtain account information from the other joint owner, despite my independent legal rights as a joint owner. This violated the FACTA Red Flags Rule and failed to protect my identity. \n\nXXXX. Branch 1 In-Person Access Denied ( XX/XX/XXXX ) I visited Branch XXXX in person with valid government-issued identification. XXXX employees were involved in denying access : Branch XXXX Employee A ( Female ) and Branch XXXX Employee B ( Male ). \n\nI was denied access and informed that a parent was required, despite being XXXX XXXX XXXX. I was also told I was supposed to come in that Friday to be signed on, though I had never been notified. This statement was suspicious, caused confusion, and raised a red flag regarding potential unauthorized activity. Only minimal information was disclosed ( like it appears to be a savings account but youre required to have a parent to sign on ). This conduct obstructed my lawful ability to access the account and investigate potential unauthorized activity. \n\nXXXX. Branch XXXX Access Granted and Discovery of Fraudulent Activity ( XX/XX/XXXX ) I visited Branch XXXX shortly afterward. \n\nDuring my initial visit, a branch employee raised initial forgery concerns, questioning how I had been added as a joint owner without being present, documented my phone number for mobile banking access, and disclosed that the account was opened in XXXX and that I was added as a joint owner in XXXX. Mobile banking statements later confirmed this. Immediately after raising and stating her concern about signature forgery, the employee refused to show me the signature records, despite my requests. \n\nAlthough she documented my number, the employee denied me the ability to view the signature pad after raising the forgery concern. She stated that either she or a Branch XXXX employee would follow up regarding these concerns, but no follow-up occurred. \n\nDuring this first visit, another Branch XXXX employee ( female ) confirmed that I was listed as a joint owner and should have access to the account given that I was XXXX XXXX XXXX. \n\nAlthough access was granted, the mobile banking verification code was not initially reaching my phone. I reported possible forgery concerns to PNC customer service the same day I left Branch XXXX. \n\nI returned to Branch XXXX for additional phone verification. I did not see the employee who raised the initial forgery concerns and have not heard from her since, despite her assurance of follow-up. I did see the other female Branch XXXX employee, who assisted me in verifying my phone number and obtaining full mobile banking access. Only at this point was I able to view fraudulent statements and impersonation activity. \n\nXXXX. Agent XXXX XXXX, PNC XXXX Department Supervisor In XX/XX/XXXX, I reported the suspected forgery to PNCs customer service and I called to file a new investigation. \n\nPNC XXXX Department Supervisor contacted me via phone, and closed the initial forgery investigation almost immediately, claiming my signature was not required to be added in XXXX as a joint owner, providing no evidence, only her word. \n\nWhen I called PNC to reopen or file a new investigation, around XX/XX/XXXX, it appeared I was speaking to the same Fraud Department Supervisor, XXXX, though she denied acknowledging or clarifying this potential conflict of interest against my request. XXXX initially explained that her computer could not generate a code, which she provided as her reason for refusing to assist me with the investigation. She never directly provided a reason for blocking my mobile banking access, and she did not inform me that access would be blocked. After the call ended, XXXX blocked my mobile access without notice, immediately following her refusal to assist me with filing an identity theft, forgery, or fraud investigation. \n\nAfter completing full requested verification in XX/XX/XXXX, XXXX blocked my online banking access after the ending of the call, overnight, and without notice. She never stated that I had provided incorrect information. \n\nThe same night, I continued to receive notifications of large and rapid withdrawals from the account. \n\nAfter requesting lawful compliance, requesting clarity of potential conflict of interest, and clearly stating my intent to report fraudulent activity, XXXX repeatedly denied further assistance, and blocked me, preventing proper investigation and allowing unauthorized activity to continue. \n\nXXXX. Agent XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX mishandling, I escalated the matter to the CFPB. \n\nXXXX XXXX did not request or review my evidence, including fraudulent statements. She did not perform an independent or neutral review and repeatedly handled matters related to prior mismanagement, creating a conflict of interest. \n\nXXXX initially claimed that I was blocked for reporting identity theft. When I informed her that XXXX had provided a different reason, XXXX changed her explanation to attempt to match XXXX. However, these were XXXX completely different definitions : XXXX stated that the system could not generate a code, whereas XXXX claimed I was blocked due to failing verification. This distinction is critical, especially given that I provided all accurate information, which can not be lawfully denied, and is verifiable through call recordings. \n\nI replied directly to XXXX verbally that this is not logical reasoning to deny assistance or to prevent opening an identity theft investigation, which they failed to do. \n\nXXXX claims to have investigated and concluded there were no actionable issues ; however, she was aware of the evidence of impersonation, the unlawful explanations provided by XXXX regarding the forgery, call recordings, mobile banking statements, previous investigations, complaints, and sources of information and funds. Despite this, XXXX denied classifying the account activity as identity theft and allowed the possible suspect to close the account, instead of lawfully reporting the evidence and closing the account herself in accordance with applicable law. \n\nXXXX. Legal and Regulatory Violations The above conduct involves violations of multiple laws and regulations : XXXX : * FACTA Red Flags Rule * Electronic Fund Transfer Act ( Regulation E ) * GLBA safeguarding customer information * UDAAP ( 12 U.S.C. 5531, 5536 ) * XXXX requirements * Bill of Rights protections : XXXX, XXXX, XXXX Amendments ( privacy, property, due process ) Alabama State XXXX * Alabama Identity Theft Statutes ( Ala. Code 13A-8-192 et seq. ) * Alabama Uniform Consumer Credit Code ( Ala. Code 5-19-1 et seq. ) * Alabama Data Breach Notification Act ( Ala. Code 8-38-1 et seq. ) 7. Desired Resolution Law-Based Version I request that PNC Bank : 1. Document and verify that I was properly listed as a joint owner and correct all internal and external records to accurately reflect my ownership history, in compliance with XXXX requirements, XXXX, and other applicable federal and state recordkeeping regulations. \nXXXX. Conduct a thorough and independent review of any potential unauthorized activity, identity misuse, or fraudulent transactions associated with my information, including any funds withdrawn, transferred, or used prior to account closure, regardless of source, and provide full access to all related records to the extent I am lawfully entitled. This includes, but is not limited to : account-opening documentation, signature cards, mobile banking and online statements, call recordings, internal notes, emails, branch visit logs, and any surveillance footage, in accordance with Regulation XXXX, FACTA Red Flags Rule, UDAAP ( 12 U.S.C. 5531, 5536 ), and Alabama state statutes on identity theft and consumer protection ( Ala. Code 13A-8-192 et seq. ). \nXXXX. Restore or remediate any funds or financial products created or accessed using my identity, to the extent possible, pending investigation, and ensure compliance with consumer protection laws and due process rights under the XXXX, XXXX, and XXXX Amendments of the U.S. Constitution. \nXXXX. Implement safeguards to prevent further unauthorized access or misuse of my personal information, consistent with XXXX, XXXX XXXX and applicable state regulations. \nXXXX. Ensure that future complaints and investigations related to my accounts are handled by neutral personnel, with proper escalation and transparency, to avoid conflicts of interest and guarantee impartial review. \n\nThis complaint is submitted with the expectation that regulatory authorities enforce all applicable laws and require lawful, neutral, and transparent handling of identity theft, forgery, impersonation, and banking misconduct. Premature closure, denial of access, or failure to identify responsible parties constitutes continued noncompliance with consumer-protection obligations.","date_sent_to_company":"2025-12-18T04:01:34.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"36067","tags":null,"has_narrative":true,"complaint_id":"18131944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-12-18T03:22:17.000Z","state":"AL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I replied directly to XXXX verbally that this is not logical reasoning to deny assistance or to prevent opening an identity theft <em>investigation</em>, which they failed to do. \n\nXXXX claims to have <em>investigated</em> and concluded there were no actionable issues ; however, she was aware of the evidence of impersonation, the unlawful <em>explanations</em> provided by XXXX regarding the forgery, call recordings, mobile banking <em>statements</em>, previous <em>investigations</em>, complaints, and sources of information and funds."]},"sort":[16.573874,"18131944"]},{"_index":"complaint-public-v1","_id":"7898289","_score":16.439003,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \nDid I give you written instructions to furnish this on my credit report? \nFurthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( XXXX ), the term \" consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report. \nDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\nI have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap ACCOUNTS THATS NEEDS CORRECTION 1 Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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":"2023-11-24T21:27:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34983","tags":null,"has_narrative":true,"complaint_id":"7898289","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-24T21:16:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written <em>explanation</em> or clarification to the obligor, after having conducted an <em>investigation</em>, setting forth to the <em>extent</em> <em>applicable</em> the <em>reasons</em> why the creditor believes the account of the obligor was correctly shown in the <em>statement</em> and, upon request of the obligor, <em>provide</em> copies of documentary evidence of the obligors indebtedness."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.439003,"7898289"]},{"_index":"complaint-public-v1","_id":"7811079","_score":16.21256,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I REQUESTED A XXXX  ON XXXX AND THE COMPANY REPILED, THEY CAN NOT GIVE ME THE INFORMATION I REQUESTED AND KEPT REPORTING LATE PAYMENTS AND ACCORDING TO THE LAW I HAVE A RIGHT TO REQUEST ANY INFO I HAVE ABOUT MY LOAN. THEY ARE NOT SUPPOSE TO REPORT ANY INFORMATION TO THE CREDIT REPORTING ANGENCY UNTIL THE INVESIGATION IS COMPLETE FOR 60 DAYS THEY HAVE VIOLATETED MY RIGHTS AS A CONSUMER. 12 USC 2605 SERVICING OFMORTGAGE LOANS AND ADMINISTRATIONS OF ESCROW ACCOUNTS. \n( XXXX ) Duty of loan servicer to respond to borrower inquiries ( XXXX ) Notice of receipt of inquiry ( A ) In general If any servicer of a federally related mortgage loan receives a qualified written request from the borrower ( or an agent of the borrower ) for information relating to the servicing of such loan, the servicer shall provide a written response acknowledging receipt of the correspondence within 5 days ( excluding legal public holidays, XXXX, and XXXX  ) unless the action requested is taken within such period. \n( B ) Qualified written request For purposes of this subsection, a qualified written request shall be a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, that ( i ) includes, or otherwise enables the servicer to identify, the name and account of the borrower; and ( ii ) includes a statement of the reasons for the belief of the borrower, to the extent applicable, that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower. \n( XXXX ) Action with respect to inquiry Not later than 30 days ( excluding legal public holidays, XXXX, and XXXX ) after the receipt from any borrower of any qualified written request under paragraph ( XXXX ) and, if applicable, before taking any action with respect to the inquiry of the borrower, the servicer shall ( A ) make appropriate corrections in the account of the borrower, including the crediting of any late charges or penalties, and transmit to the borrower a written notification of such correction ( which shall include the name and telephone number of a representative of the servicer who can provide assistance to the borrower ) ; ( B ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) to the extent applicable, a statement of the reasons for which the servicer believes the account of the borrower is correct as determined by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower ; or ( C ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) information requested by the borrower or an explanation of why the information requested is unavailable or can not be obtained by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower. \n( XXXX ) Protection of credit rating During the 60-day period beginning on the date of the servicers receipt from any borrower of a qualified written request relating to a dispute regarding the borrowers payments, a servicer may not provide information regarding any overdue payment, owed by such borrower and relating to such period or qualified written request, to any consumer reporting agency ( as such term is defined under section 1681a of title 15 ).\n\n( 4 ) Limited extension of response time The 30-day period described in paragraph ( 2 ) may be extended for not more than 15 days if, before the end of such 30-day period, the servicer notifies the borrower of the extension and the reasons for the delay in responding. \n( f ) Damages and costs Whoever fails to comply with any provision of this section shall be liable to the borrower for each such failure in the following amounts : ( XXXX ) Individuals In the case of any action by an individual, an amount equal to the sum of ( A ) any actual damages to the borrower as a result of the failure; and ( B ) any additional damages, as the court XXXX allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not to exceed {$2000.00}. \n( XXXX ) Class actions In the case of a class action, an amount equal to the sum of ( A ) any actual damages to each of the borrowers in the class as a result of the failure; and ( B ) any additional damages, as the court XXXX allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not greater than {$2000.00} for each member of the class, except that the total amount of damages under this subparagraph in any class action XXXX not exceed the lesser of ( i ) {>= $1,000,000} ; or ( ii ) XXXX percent of the net worth of the servicer. \n( XXXX ) Costs In addition to the amounts under paragraph ( XXXX ) or ( XXXX ), in the case of any successful action under this section, the costs of the action, together with any attorneys fees incurred in connection with such action as the court XXXX determine to be reasonable under the circumstances. \n( XXXX ) Nonliability A transferor or transferee servicer shall not be liable under this subsection for any failure to comply with any requirement under this section if, within 60 days after discovering an error ( whether pursuant to a final written examination report or the servicers own procedures ) and before the commencement of an action under this subsection and the receipt of written notice of the error from the borrower, the servicer notifies the person concerned of the error and makes whatever adjustments are necessary in the appropriate account to ensure that the person will not be required to pay an amount in excess of any amount that the person otherwise would have paid. \n( g ) Administration of escrow accounts If the terms of any federally related mortgage loan require the borrower to make payments to the servicer of the loan for deposit into an escrow account for the purpose of assuring payment of taxes, insurance premiums, and other charges with respect to the property, the servicer shall make payments from the escrow account for such taxes, insurance premiums, and other charges in a timely manner as such payments become due. Any balance in any such account that is within the servicers control at the time the loan is paid off shall be promptly returned to the borrower within XXXX business days or credited to a similar account for a new mortgage loan to the borrower with the same lender. \n( h ) Preemption of conflicting XXXX laws Notwithstanding any provision of any law or regulation of any State, a person who makes a federally related mortgage loan or a servicer shall be considered to have complied with the provisions of any such State law or regulation requiring notice to a borrower at the time of application for a loan or transfer of the servicing of a loan if such person or servicer complies with the requirements under this section regarding timing, content, and procedures for notification of the borrower. \n( i ) XXXX purposes of this section : ( XXXX ) Effective date of transfer The term effective date of transfer means the date on which the mortgage payment of a borrower is first due to the transferee servicer of a mortgage loan pursuant to the assignment, sale, or transfer of the servicing of the mortgage loan. \n( XXXX ) XXXX term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX, in connection with assets acquired, assigned, sold, or transferred pursuant to section XXXX ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ). \n( XXXX ) Servicing The term servicing means receiving any scheduled periodic payments from a borrower pursuant to the terms of any loan, including amounts for escrow accounts described in section 2609 of this title, and making the payments of principal and interest and such other payments with respect to the amounts received from the borrower as may be required pursuant to the terms of the loan. \n( j ) Transition ( XXXX ) Originator liability A person who makes a federally related mortgage loan shall not be liable to a borrower because of a failure of such person to comply with subsection ( a ) with respect to an application for a loan made by the borrower before the regulations referred to in paragraph ( XXXX ) take effect.","date_sent_to_company":"2023-11-06T19:15:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"640XX","tags":null,"has_narrative":true,"complaint_id":"7811079","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-06T19:15:42.000Z","state":"MO","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["correction ( which shall include the name and telephone number of a representative of the servicer who can <em>provide</em> assistance to the borrower ) ; ( B ) after conducting an <em>investigation</em>, <em>provide</em> the borrower with a written <em>explanation</em> or clarification that includes ( i ) to the <em>extent</em> <em>applicable</em>, a <em>statement</em> of the <em>reasons</em> for which the servicer believes the account of the borrower is correct as determined by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or"]},"sort":[16.21256,"7811079"]},{"_index":"complaint-public-v1","_id":"7807258","_score":16.21256,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I REQUESTED A XXXX  ON XXXX AND THE COMPANY REPILED, THEY CAN NOT GIVE ME THE INFORMATION I REQUESTED AND KEPT REPORTING LATE PAYMENTS AND ACCORDING TO THE LAW I HAVE A RIGHT TO REQUEST ANY INFO I HAVE ABOUT MY LOAN. THEY ARE NOT SUPPOSE TO REPORT ANY INFORMATION TO THE CREDIT REPORTING ANGENCY UNTIL THE INVESIGATION IS COMPLETE FOR 60 DAYS THEY HAVE VIOLATETED MY RIGHTS AS A CONSUMER. 12 USC 2605 SERVICING OFMORTGAGE LOANS AND ADMINISTRATIONS OF ESCROW ACCOUNTS.\n\n( e ) Duty of loan servicer to respond to borrower inquiries ( 1 ) Notice of receipt of inquiry ( A ) In general If any servicer of a federally related mortgage loan receives a qualified written request from the borrower ( or an agent of the borrower ) for information relating to the servicing of such loan, the servicer shall provide a written response acknowledging receipt of the correspondence within 5 days ( excluding legal public holidays, XXXX, and XXXX  ) unless the action requested is taken within such period. \n( B ) Qualified written request For purposes of this subsection, a qualified written request shall be a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, that ( i ) includes, or otherwise enables the servicer to identify, the name and account of the borrower; and ( ii ) includes a statement of the reasons for the belief of the borrower, to the extent applicable, that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower. \n( XXXX ) Action with respect to inquiry Not later than 30 days ( excluding legal public holidays, XXXX, and XXXX ) after the receipt from any borrower of any qualified written request under paragraph ( XXXX ) and, if applicable, before taking any action with respect to the inquiry of the borrower, the servicer shall ( A ) make appropriate corrections in the account of the borrower, including the crediting of any late charges or penalties, and transmit to the borrower a written notification of such correction ( which shall include the name and telephone number of a representative of the servicer who can provide assistance to the borrower ) ; ( B ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) to the extent applicable, a statement of the reasons for which the servicer believes the account of the borrower is correct as determined by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower ; or ( C ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) information requested by the borrower or an explanation of why the information requested is unavailable or can not be obtained by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower. \n( XXXX ) Protection of credit rating During the XXXX period beginning on the date of the servicers receipt from any borrower of a qualified written request relating to a dispute regarding the borrowers payments, a servicer may not provide information regarding any overdue payment, owed by such borrower and relating to such period or qualified written request, to any consumer reporting agency ( as such term is defined under section 1681a of title 15 ).\n\n( 4 ) Limited extension of response time The 30-day period described in paragraph ( 2 ) may be extended for not more than 15 days if, before the end of such 30-day period, the servicer notifies the borrower of the extension and the reasons for the delay in responding. \n( f ) Damages and costs Whoever fails to comply with any provision of this section shall be liable to the borrower for each such failure in the following amounts : ( 1 ) Individuals In the case of any action by an individual, an amount equal to the sum of ( A ) any actual damages to the borrower as a result of the failure; and ( B ) any additional damages, as the court may allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not to exceed {$2000.00}.\n\n( 2 ) Class actions In the case of a class action, an amount equal to the sum of ( A ) any actual damages to each of the borrowers in the class as a result of the failure; and ( B ) any additional damages, as the court may allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not greater than {$2000.00} for each member of the class, except that the total amount of damages under this subparagraph in any class action XXXX not exceed the lesser of ( i ) {>= XXXX} ; or ( ii ) XXXX percent of the net worth of the servicer. \n( XXXX ) Costs In addition to the amounts under paragraph ( XXXX ) or ( XXXX ), in the case of any successful action under this section, the costs of the action, together with any attorneys fees incurred in connection with such action as the court XXXX determine to be reasonable under the circumstances. \n( XXXX ) Nonliability A transferor or transferee servicer shall not be liable under this subsection for any failure to comply with any requirement under this section if, within 60 days after discovering an error ( whether pursuant to a final written examination report or the servicers own procedures ) and before the commencement of an action under this subsection and the receipt of written notice of the error from the borrower, the servicer notifies the person concerned of the error and makes whatever adjustments are necessary in the appropriate account to ensure that the person will not be required to pay an amount in excess of any amount that the person otherwise would have paid. \n( g ) Administration of escrow accounts If the terms of any federally related mortgage loan require the borrower to make payments to the servicer of the loan for deposit into an escrow account for the purpose of assuring payment of taxes, insurance premiums, and other charges with respect to the property, the servicer shall make payments from the escrow account for such taxes, insurance premiums, and other charges in a timely manner as such payments become due. Any balance in any such account that is within the servicers control at the time the loan is paid off shall be promptly returned to the borrower within XXXX business days or credited to a similar account for a new mortgage loan to the borrower with the same lender. \n( h ) Preemption of conflicting XXXX laws Notwithstanding any provision of any law or regulation of any State, a person who makes a federally related mortgage loan or a servicer shall be considered to have complied with the provisions of any such State law or regulation requiring notice to a borrower at the time of application for a loan or transfer of the servicing of a loan if such person or servicer complies with the requirements under this section regarding timing, content, and procedures for notification of the borrower. \n( i ) XXXX purposes of this section : ( XXXX ) Effective date of transfer The term effective date of transfer means the date on which the mortgage payment of a borrower is first due to the transferee servicer of a mortgage loan pursuant to the assignment, sale, or transfer of the servicing of the mortgage loan. \n( XXXX ) ServicerThe term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). 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THEY ARE NOT SUPPOSE TO REPORT ANY INFORMATION TO THE CREDIT REPORTING ANGENCY UNTIL THE INVESIGATION IS COMPLETE FOR 60 DAYS THEY HAVE VIOLATETED MY RIGHTS AS A CONSUMER. 12 USC 2605 SERVICING OFMORTGAGE LOANS AND ADMINISTRATIONS OF ESCROW ACCOUNTS. \n( XXXX ) Duty of loan servicer to respond to borrower inquiries ( XXXX ) Notice of receipt of inquiry ( A ) In general If any servicer of a federally related mortgage loan receives a qualified written request from the borrower ( or an agent of the borrower ) for information relating to the servicing of such loan, the servicer shall provide a written response acknowledging receipt of the correspondence within 5 days ( excluding legal public holidays, XXXX, and Sundays ) unless the action requested is taken within such period. \n( B ) Qualified written request For purposes of this subsection, a qualified written request shall be a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, that ( i ) includes, or otherwise enables the servicer to identify, the name and account of the borrower; and ( ii ) includes a statement of the reasons for the belief of the borrower, to the extent applicable, that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower. \n( XXXX ) Action with respect to inquiry Not later than 30 days ( excluding legal public holidays, XXXX, and XXXX ) after the receipt from any borrower of any qualified written request under paragraph ( XXXX ) and, if applicable, before taking any action with respect to the inquiry of the borrower, the servicer shall ( A ) make appropriate corrections in the account of the borrower, including the crediting of any late charges or penalties, and transmit to the borrower a written notification of such correction ( which shall include the name and telephone number of a representative of the servicer who can provide assistance to the borrower ) ; ( B ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) to the extent applicable, a statement of the reasons for which the servicer believes the account of the borrower is correct as determined by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower ; or ( C ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) information requested by the borrower or an explanation of why the information requested is unavailable or can not be obtained by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower. \n( XXXX ) Protection of credit rating During the XXXX period beginning on the date of the servicers receipt from any borrower of a qualified written request relating to a dispute regarding the borrowers payments, a servicer XXXX not provide information regarding any overdue payment, owed by such borrower and relating to such period or qualified written request, to any consumer reporting agency ( as such term is defined under section 1681a of title 15 ).\n\n( 4 ) Limited extension of response time The 30-day period described in paragraph ( 2 ) may be extended for not more than 15 days if, before the end of such 30-day period, the servicer notifies the borrower of the extension and the reasons for the delay in responding. \n( f ) Damages and costs Whoever fails to comply with any provision of this section shall be liable to the borrower for each such failure in the following amounts : ( XXXX ) Individuals In the case of any action by an individual, an amount equal to the sum of ( A ) any actual damages to the borrower as a result of the failure; and ( B ) any additional damages, as the court XXXX allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not to exceed {$2000.00}. \n( XXXX ) Class actions In the case of a class action, an amount equal to the sum of ( A ) any actual damages to each of the borrowers in the class as a result of the failure; and ( B ) any additional damages, as the court XXXX allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not greater than {$2000.00} for each member of the class, except that the total amount of damages under this subparagraph in any class action XXXX not exceed the lesser of ( i ) {>= $1,000,000} ; or ( ii ) XXXX percent of the net worth of the servicer. \n( XXXX ) Costs In addition to the amounts under paragraph ( XXXX ) or ( XXXX ), in the case of any successful action under this section, the costs of the action, together with any attorneys fees incurred in connection with such action as the court XXXX determine to be reasonable under the circumstances. \n( XXXX ) Nonliability A transferor or transferee servicer shall not be liable under this subsection for any failure to comply with any requirement under this section if, within 60 days after discovering an error ( whether pursuant to a final written examination report or the servicers own procedures ) and before the commencement of an action under this subsection and the receipt of written notice of the error from the borrower, the servicer notifies the person concerned of the error and makes whatever adjustments are necessary in the appropriate account to ensure that the person will not be required to pay an amount in excess of any amount that the person otherwise would have paid. \n( g ) Administration of escrow accounts If the terms of any federally related mortgage loan require the borrower to make payments to the servicer of the loan for deposit into an escrow account for the purpose of assuring payment of taxes, insurance premiums, and other charges with respect to the property, the servicer shall make payments from the escrow account for such taxes, insurance premiums, and other charges in a timely manner as such payments become due. Any balance in any such account that is within the servicers control at the time the loan is paid off shall be promptly returned to the borrower within 20 business days or credited to a similar account for a new mortgage loan to the borrower with the same lender.\n\n( h ) Preemption of conflicting State laws Notwithstanding any provision of any law or regulation of any State, a person who makes a federally related mortgage loan or a servicer shall be considered to have complied with the provisions of any such State law or regulation requiring notice to a borrower at the time of application for a loan or transfer of the servicing of a loan if such person or servicer complies with the requirements under this section regarding timing, content, and procedures for notification of the borrower. \n( i ) DefinitionsFor purposes of this section : ( 1 ) Effective date of transfer The term effective date of transfer means the date on which the mortgage payment of a borrower is first due to the transferee servicer of a mortgage loan pursuant to the assignment, sale, or transfer of the servicing of the mortgage loan.\n\n( 2 ) ServicerThe term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX, in connection with assets acquired, assigned, sold, or transferred pursuant to section XXXX ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ). \n( XXXX ) Servicing The term servicing means receiving any scheduled periodic payments from a borrower pursuant to the terms of any loan, including 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