{"took":243,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":49,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17070054","_score":26.033508,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I had an unauthorized transaction and I requested a refund they decided to do their own investigation ( in which I never gave them the authorization to make decisions for me or my account ) 6 months later they decided to give the merchant my money and never even informed me of the decision to take my money XX/XX/XXXX XXXX 2025 {$260.00} two transactions they made unlawful decisions about my account .. XX/XX/year> XXXX transactions between XXXX and XXXX XXXX is the same company they gave {$220.00} last year atempted 4 times and they gave it to them on the 5th try they have tried to say that they refunded the money no record of any transactions from them now I get hours on the phone just to be hung up and made to start over again told they stopped the investigation because they hadn't heard from me in 3 days I'm on the phone with them every day now today they made a transfer of funds from my separate bank account into their account I'm on XXXX and they are not even trying to talk to me or refund my money {$400.00} half they have had for over a year and all of this could have been avoided if they were honest with their customers and tell them they actually have a stop pending transaction in the app but they tell you that you have to wait for it to be done before you can make any dispute......","date_sent_to_company":"2025-11-06T20:04:31.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"338XX","tags":null,"has_narrative":true,"complaint_id":"17070054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-06T19:26:41.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I had an unauthorized transaction and I requested a refund they decided to do their own <em>investigation</em> ( in <em>which</em> I <em>never</em> <em>gave</em> <em>them</em> the <em>authorization</em> to <em>make</em> <em>decisions</em> for me or my account ) 6 months later they decided to give the merchant my money and <em>never</em> even informed me of the <em>decision</em> to take my money XX/XX/XXXX XXXX 2025 {$260.00} two transactions they made unlawful <em>decisions</em> about my account .."]},"sort":[26.033508,"17070054"]},{"_index":"complaint-public-v1","_id":"2213335","_score":19.0672,"_source":{"product":"Bank account or service","complaint_what_happened":"On XXXX the XXXX of 2016 I made a purchase at a store in the amount of {$130.00} for the remainder of that day I did n't make any additional purchases. I was contacted by Suntrust bank later that evening because a fraud alert had been issued on my account. I spoke with a representative from the fraud department and it was discovered that XXXX was charged on my debit card. I realized that I had lost my debit card and it was found and then used without my authorization or consent. Suntrust issued a provisional credit but later determined that no error occurred and reverse the decision along with XXXX of NSF to my account. I sent an affidavit of fraud disputing the charges. They then sent me an additional form asking me to provide more information why they should look further into this matter. I sent them a detailed explanation that I did not make the charges. I went on further to ask them to look at my previous spending trends as well as the areas in which I normally make purchases. The purchases that were made were in stores that I had never previous shopped nor was it in the area in which I live and normally make purchases. I suggested that they further investigate by checking surveillance and matching the time of purchases to see if I actually made the purchases. I also asked them to compare signatures with my own signatures on receipts as well as the fact that on most occasions I use my pin number to make purchases and they individual/individuals had to use a credit in order to make purchases which is n't consistent with the way I normally handle transactions. I also suggested if they were to locate the individual/individuals who make the said purchases they could not affiliate them with me in any way. After all of the information that I gave them to further investigate they still refused to reverse the charges and credit the amount back to my account. As a consumer I feel that my rights have been violated and I have unfairly been a victimized and the bank has violated my rights under the Reg E electronic funds transfer act. I am reaching out to your organization to help me resolve this matter as soon as possible. I am sure millions of other consumers have experience this in regards to banking institutions and it causes extreme stress and anxiety when you have been a victim and feel you have no rights or protections against others who set out to commit fraudulent activities due to lost or stolen debit cards. Please assist in the matter if you can. Thanks","date_sent_to_company":"2016-11-17T22:05:15.000Z","issue":"Using a debit or ATM card","sub_product":"Checking account","zip_code":"30052","tags":null,"has_narrative":true,"complaint_id":"2213335","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2016-11-17T22:05:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I went on further to ask <em>them</em> to look at my previous spending trends as well as the areas in <em>which</em> I normally <em>make</em> purchases. The purchases that were made were in stores that I had <em>never</em> previous shopped nor was it in the area in <em>which</em> I live and normally <em>make</em> purchases. I suggested that they further <em>investigate</em> by checking surveillance and matching the time of purchases to see if I actually made the purchases."]},"sort":[19.0672,"2213335"]},{"_index":"complaint-public-v1","_id":"3923324","_score":18.79825,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX XXXX XXXX charged my Chime checking account {$920.00}. This was a very unusual charge because during my 2 years of service I have never paid more then {$250.00} for anything from XXXX XXXX. I contacted my bank immediately and was told I had to wait on the pending charges to post to the account. I then called XXXX XXXX to see why I was being charged this amount and I was told at the time that there wasn't a charge for this amount and could not be located in their system. On XX/XX/XXXX I seen the charge had finally posted to my account and I contacted the bank immediately and filed a unauthorized charge dispute. Later that evening I seen I had received a message from chime date XX/XX/XXXX saying the bank had investigated my claim and found no error occurred. On XX/XX/XXXX I contacted chime and asked how did they come to this decision and I was told by claims department manager XXXX and he told me it was because his department had spoke to XXXX XXXX and they said the charges were mines. I told XXXX that wasn't true at all and I provided proof that the charges weren't done by me and weren't on my account. XXXX then told me that with the information I had brought to his attention He we would request a rebuttal. I found it extremely concerning that Chime would make a decision on an issue without even looking at the information provided which included conversation transcripts between me and XXXX in which XXXX XXXX states there are no such charges on my account and also no charges owed of that amount. I asked XXXX to please provide me with information used to make its decision because I would like to bring it to the fraud department at XXXX to get answers into why these thing were said. XXXX told me I would have to wait 10 days to receive this information from chime and it would come by email. at this time our call ended. On XX/XX/XXXX I contacted XXXX about the conversation had between them and chime and I was told by XXXX that no such conversation existed and isn't protocol of how they handle matters of such. XXXX then went on to actually put a ticket in for the matter because he found that my debit card on my account was used on another account not associated with mines and had seen back in XXXX - XXXX and transaction very similar happened and was also unauthorized and reversed by my bank. XXXX gave my a ticket number XXXX and told me I should forward this information to my bank and It would settle the matter. I forwarded that information over to chime immediately on XX/XX/XXXX at XXXX XXXX cst. After XXXX issued the ticket he transferred me over to the fraud department where I spoke to a rep who further investigated the matter and hunted down where my card was used without my authorization and found wrong down and immediately opened up an investigation into the account using my debit card. He also called Chime bank on XX/XX/XXXX with me on the phone and provided them with the details in which chime only response was to send them the ticket number and they would investigate. Which I did on XX/XX/XXXX at approximately XXXX cst via email. with all the information provided on XX/XX/XXXX at XXXX cst chime emailed me and said that they looked into the information but it didn't change their decision. I found that to be extremely disturbing when a merchant is saying that the charges are fraudulently and should be reversed but Chime is refusing to do so just because. On XX/XX/XXXX I received a copy of chimes findings and how they claim to its original decision to decline my claim. Chime reached its decision based on the fact that I have services with XXXX XXXX which is deducted from account monthly. This is absolutely wrong and several ways. Chime told me that its reached its decision based on a conversation with a merchant. Which isn't at all stated in its report sent over to me. Also the method Chime used in its investigation makes no sense, how could you ignore indisputable evidence of wrong doing just by saying I have service with the merchant in question when in 2 years there has never been a charge to any merchant done by auto pay that exceeded the amount of XXXX except for one time when a charge of XXXX posted to my account from XXXX XXXX in which was found to be a fraudulent charge and reversed by XXXX  and chime. Chime has fail to uphold consumer protection rules and regulations by not conducting a full investigate into the matter. Chime also has multiple class action suit against for this very same matter and has a history of mishandling claims and bending rules and regulations to deny consumers their rights.","date_sent_to_company":"2020-10-28T16:05:16.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"46307","tags":null,"has_narrative":true,"complaint_id":"3923324","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2020-10-28T15:50:33.000Z","state":"IN","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["After XXXX issued the ticket he transferred me over to the fraud department where I spoke to a rep who further <em>investigated</em> the matter and hunted down where my card was used without my <em>authorization</em> and found wrong down and immediately opened up an <em>investigation</em> into the account using my debit card. He also called Chime bank on XX/XX/XXXX with me on the phone and provided <em>them</em> with the details in <em>which</em> chime only response was to send <em>them</em> the ticket number and they would <em>investigate</em>."]},"sort":[18.79825,"3923324"]},{"_index":"complaint-public-v1","_id":"6729696","_score":17.435953,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I purchased multiple laptops online from XXXX XXXX. As a result I was charged {$5000.00} ; {$3200.00} ; and {$1400.00}, which totaled {$9600.00}. \n\nAfter making the purchase, XXXX XXXX confirmed my order, and sent me a receipt with my correct address on it. I still have the copy of the receipt. Unfortunately, for some reason still not disclosed me to by XXXX XXXX, after sending me such receipt, XXXX XXXX changed the shipping address zip code of my order from XXXX ( which is the correct zip code listed on my receipt ), to XXXX. This change caused my order to get delivered to a completely different address. \n\nWhen I brought this to XXXXXXXX XXXX attention, an investigation was done. At the end of XXXXXXXX XXXX investigation, I was told that XXXX XXXX would not be offering me a refund or replacement because the items are showing as delivered. I NEVER DISPUTED THAT MY PACKAGES WERENT DELIVERED. MY ARGUMENT IS THAT BY XXXX XXXX CHANGING THE ZIP CODE OF THE ADDRESS I PROVIDED THEM FROM XXXX, TO XXXX, WITHOUT ANY AUTHORIZATION TO DO SO, OR EVEN CONTACTING ME, THE PACKAGES WERE DELIVERED TO THE WRONG ADDRESS. Thus, I NEVER received the items that is showing as delivered. \n\nWhen I contacted AMEX, the agent opened a dispute. At the end of AMEXs dispute, I was told that AMEX would not be honoring my dispute because XXXX XXXX provided them proof that the items were showing as delivered. Again, I NEVER DISPUTED THAT MY PACKAGES WERENT DELIVERED. MY ARGUMENT IS THAT BY XXXX XXXX CHANGING THE ZIP CODE OF THE ADDRESS I PROVIDED THEM FROM XXXX, TO XXXX, WITHOUT ANY AUTHORIZATION TO DO SO, OR EVEN CONTACTING ME, THE PACKAGES WERE DELIVERED TO THE WRONG ADDRESS. Thus, I NEVER received the items that is showing as delivered. \n\nWhen I called AMEX to point out that XXXX XXXX proof of delivery from the shipping carrier wasnt sufficient to close my claim, because it doesnt address the fact that it was delivered to the wrong address due XXXX XXXX changing the zip code from XXXX to XXXX, the agent told me that when she puts my address in on XXXX XXXX the XXXX zip code pops up. Therefore, to refute the AMEX agents claim, I reopened the dispute and attached pictures of a package that was delivered to my address with the XXXX zip code on it, THE SAME EXACT WAY THAT I GAVE IT TO XXXX XXXX, so if other packages could get delivered directly to me using the same exact address that I gave to XXXX XXXX, what would give XXXX XXXX the right to change the zip code that I gave them? AMEX took such evidence to reopen my dispute. \n\nTo respond to AMEX, XXXX XXXX, without ever addressing my true claim, submitted the SAME EXACT original documents that they already provided to AMEX, showing that the package is showing as delivered, when that is not the crux of my claim. AMEX, also never addressing the fact that XXXX XXXX changed the zip code and had the packages delivered to the wrong address, accepted XXXXXXXX XXXX response and closed my dispute. \n\nThe XXXX XXXX XXXXXXXX XXXX HAS FIVE BOROUGHS, and the ZIP CODE IDENTIFIES WHAT BOROUGH IN THE XXXX XXXX XXXXXXXX XXXX A PACKAGE GOES TO. IF YOU CHANGE THE ZIP CODE IN A PACKAGE HEADED TO THE XXXX XXXX XXXXXXXX XXXX, YOU WILL CHANGE THE BOROUGH IT GETS DELIVERED TO! \n\nIn all reality, if there was absolutely ANYTHING wrong with the address I gave XXXX XXXX, they can not just make a decision to guess the correct address on their own ; the FTC forbids it. XXXX XXXX shoud 've either cancelled the order ; or contacted me. They are not allowed to modify or correct an address on their own without talking to the consumer! I have in my possession the original XXXX XXXX receipt, where they had my correct address listed; and I also have the shipping receipt where XXXX XXXX changed the zip code, so I KNOW that it was XXXX XXXX who changed the zip code, which ultimately caused my packages to get delivered to the wrong address.","date_sent_to_company":"2023-03-21T15:43:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"6729696","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-03-21T15:09:15.000Z","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":["Again, I <em>NEVER</em> DISPUTED THAT MY PACKAGES WERENT DELIVERED. MY ARGUMENT IS THAT BY XXXX XXXX CHANGING THE ZIP CODE OF THE ADDRESS I PROVIDED <em>THEM</em> FROM XXXX, TO XXXX, WITHOUT ANY <em>AUTHORIZATION</em> TO DO SO, OR EVEN CONTACTING ME, THE PACKAGES WERE DELIVERED TO THE WRONG ADDRESS. Thus, I <em>NEVER</em> received the items that is showing as delivered."]},"sort":[17.435953,"6729696"]},{"_index":"complaint-public-v1","_id":"8595673","_score":16.856901,"_source":{"product":"Checking or savings account","complaint_what_happened":"My debit account ending in XXXX with BMO Harris Bank was defrauded by a merchant names XXXX  on XX/XX/XXXX with ( XXXX ) charges for {$130.00} each resulting in {$260.00} being taken from my account without my authorization on XX/XX/XXXX. I CALLED BMO Harris to report the fraud the same day as I routinely check my account daily. It was still pending. Thinking they can stop, reverse or cancel the transaction. BMO Harris said they couldn't do anything until it posts to my account. And during that conversation BMO rep told me they attempted several charges but only ( 2 ) went through I DIDN'T find that answer acceptable to me so I looked up Remitly and called them to explain I didn't authorize those transactions. Remitly rep said they couldn't find any charges with my name and or my debit card number and to let it post and work with my bank to resolve the fraud as remitly will work with BMO. the next day the charges posted I opened a fraud case of with BMO XXXX I was told a provisional credit will be provided as they investigate and attemp to recover and resolve the fraud. I NEVER received any credit back. I kept calling BMO Harris back day after day week after week in attempt to recover MY MONEY that BMO Harris gave away to thieves! I kept getting the run around with BMO Harris, it will be posted in 24hr then next Monday. Then I finally was told it was denied and to wait for a letter explaining why. They do this as a stalling tactic which is really dishonest. Instead of helping the client who entrusted their money within their institution, they disrespect them with these semantics. The letter said denied because a credit has already been issued. Which I NEVER received any credit and the charges where NEVER reversed! Now the only way to communicate with the group who makes these decisions are via email which they NEVER respond too! I am now getting defrauded by my own BANK! This can not be right! BMO Harris owes me {$260.00} and more now because of the aggravation they have put me through.I need answers and looking to sue BMO Harris they shouldn't get away with this theft of clients funds.","date_sent_to_company":"2024-03-21T13:16:07.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"8595673","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2024-03-21T12:48:27.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Which</em> I <em>NEVER</em> received any credit and the charges where <em>NEVER</em> reversed! Now the only way to communicate with the group who <em>makes</em> these <em>decisions</em> are via email <em>which</em> they <em>NEVER</em> respond too! I am now getting defrauded by my own BANK! This can not be right! BMO Harris owes me {$260.00} and more now because of the aggravation they have put me through.I need answers and looking to sue BMO Harris they shouldn't get away with this theft of clients funds."]},"sort":[16.856901,"8595673"]},{"_index":"complaint-public-v1","_id":"18970426","_score":16.024069,"_source":{"product":"Credit card","complaint_what_happened":"I am formally disputing Bank of Americas denial of my fraud claim for an unauthorized credit card charge of approximately {$1000.00}. \n\nBank of America denied my claim stating that the cards chip was read, a PIN was entered, and/or a signature was obtained. However, they have not provided conclusive evidence that I personally authorized this transaction or that I gave permission to anyone else to use my card or PIN. \n\nI did not make this purchase, did not authorize it, and did not benefit from it. I did not knowingly share my card or PIN with anyone. However my credit card ending XXXX was near of expiration date so they sent me new card on XXXX of XX/XX/year> by XXXX which never arrived, so with same card number theres XXXX physical card exists, one with me and another one in mail on its way by XXXX. When I got notification from bank that I was charged {$1000.00}, I called them immediately and they opened up a fraud case and issued me new card by ending XXXX, 2 days later I got another notification that my newly printed card was changed {$81.00} in wine and spirits shop and they also tried to make a huge purchase from XXXX XXXX for around {$2000.00} which was automatically denied. After getting notification from bank I called the bank and asked how a newly printed card details was leaked? They said they dont know. I absolutely can not made these transactions because I dont have physical card, card was in the mail on its way, so they blocked new card and printed another one by ending XXXX and their customer service representative informed me that they had a lot of complaints like these specially from XXXX, their best guess was either card gets stolen from XXXX XXXX or delivery person might be working with such group, since card get stolen from XXXX XXXX they decided to sent it by ups, which I received within a XXXX hour. Now this card ending XXXX in my possession. \nSo my best guess The determination appears to rely solely on transaction method rather than proof of authorization, which does not meet the requirements of the Fair Credit Billing Act. \n\nI have requested documentation supporting their decision and I am requesting that Bank of America properly investigate this matter, reverse the charge, and remove any related fees or negative account impact. \n\nI am seeking resolution consistent with my consumer protections under the Fair Credit Billing Act.","date_sent_to_company":"2026-01-23T23:17:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11208","tags":null,"has_narrative":true,"complaint_id":"18970426","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-23T23:05:06.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["So my best guess The determination appears to rely solely on transaction method rather than proof of <em>authorization</em>, <em>which</em> does not meet the requirements of the Fair Credit Billing Act. \n\nI have requested documentation supporting their <em>decision</em> and I am requesting that Bank of America properly <em>investigate</em> this matter, reverse the charge, and remove any related fees or negative account impact. \n\nI am seeking resolution consistent with my consumer protections under the Fair Credit Billing Act."]},"sort":[16.024069,"18970426"]},{"_index":"complaint-public-v1","_id":"14307397","_score":14.748615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Experian due to their continued negligence in reporting inaccurate information on my credit file despite previous disputes. My rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, 1681e ( b ), and 1681c have been repeatedly violated. The following inaccurate information remains on my credit report. I am only disputing the accounts listed below. Each item is listed with its associated problem and legal context. \nXXXX XXXX XXXX XXXX, MO XXXX Wrong Address This address is inaccurate and does not belong to me. Reporting an address that I have never lived at constitutes a violation of FCRA 1681e ( b ), which requires Experian to maintain maximum possible accuracy of consumer information. It is also a breach of FCRA 1681i, which obligates Experian to reinvestigate any disputed item. Failure to remove this incorrect address creates the false impression that I have resided at a location that I have no association with, which can negatively influence lenders decisions and expose me to identity fraud risks. \nXXXX XXXX Date : XX/XX/XXXX This hard inquiry was made without my authorization or any permissible purpose under FCRA 1681b . I never applied for credit with Vervent/TBOM, and therefore this inquiry is a direct violation of my rights. Hard inquiries impact credit scores and can misrepresent consumer behavior to potential lenders. Reporting an unauthorized inquiry harms my credit profile and violates FCRA 1681b ( f ), which restricts users of consumer reports from obtaining them without a permissible purpose. \nXXXX XXXX Inquiry Date : XX/XX/XXXX I did not initiate any application for credit with XXXX XXXX  This unauthorized inquiry constitutes a violation of FCRA XXXX, as it was made without my consent. Experian failed to properly verify the legitimacy of the inquiry, breaching its duty under FCRA 1681e ( a ), which mandates reasonable procedures to ensure that consumer reports are provided only for permissible purposes. This inquiry has adversely impacted my credit score, despite being unauthorized and fraudulent. \nXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX This inquiry appears on my report without my knowledge or permission. I never gave consent to XXXX XXXX XXXX XXXX to pull my credit report, which makes this a violation of FCRA 1681b ( c ) and 1681e. By including this inquiry without verifying its legitimacy, Experian has misrepresented my credit activity and failed its obligation to ensure accuracy and privacy in reporting.\n\nI am demanding that Experian immediately delete the above inaccurate address and unauthorized inquiries from my credit report and conduct a thorough investigation as required by FCRA 1681i ( a ). I also request that Experian provide me with the results of its investigation in writing within the legal 30-day time frame. Continued reporting of this inaccurate information reflects willful noncompliance with federal law, which may result in statutory damages under FCRA 1681n and 1681o.\n\nPlease treat this complaint with the utmost urgency and ensure full compliance with federal consumer protection laws.","date_sent_to_company":"2025-06-26T23:56:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"731XX","tags":null,"has_narrative":true,"complaint_id":"14307397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-26T23:53:33.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I <em>never</em> <em>gave</em> consent to XXXX XXXX XXXX XXXX to pull my credit report, <em>which</em> <em>makes</em> this a violation of FCRA 1681b ( c ) and 1681e. By including this inquiry without verifying its legitimacy, Experian has misrepresented my credit activity and failed its obligation to ensure accuracy and privacy in reporting."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.748615,"14307397"]},{"_index":"complaint-public-v1","_id":"12170350","_score":14.378123,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Below is the message I sent to the CEO of Bank of America along with the message i received from Bank of America. There are letting criminals get away with scamming seniors instead of protecting their customers. I would like someone to help me with this. They are planning on debiting my account for the {$510.00} on XX/XX/XXXX that was stolen from me by scammers pretending to be Bank of America Fraud department employees and had me follow their instructions. THIS IS SO WRONG!!!! \n\nXXXX XXXX Dear XXXX XXXX, I realize this letter may never be read by you because XXXX a peon in your world. However, I have been a client of B of A for many years and needed to state my case and apologize in advance for the length of this email. You need to know all of the facts. \n\nIn XXXX of XXXX, I received a call from Bank of America Fraud department alerting me to fraud activity on my checking account for {$2200.00} for XXXX iPhones. Being cautious, I looked at the phone number on my phone and matched it to the fraud phone number on the back of my B of A credit card. Everything matched! The representative gave me his B of A ID number and his name which I wrote down, and he knew all my recent transactions, my SS #, my date of birth, etc. There was absolutely no reason for me to doubt this person. \n\nHe then proceeded to give me instructions on how to reverse this transaction through my XXXX account and gave me a code to enter at the $ sign to let B of A know that it was really me and gave them authorization to reverse the transaction. I did everything I was told to do. Once the transaction was complete, he gave me his personal phone number to call him in case of any problems. \n\nThat night I went into my account to make sure everything looked correct. Thats when I saw a debit for {$510.00}. XXXX for something I did not recognize. Thats when I knew my identity was stolen! \n\nI immediately called the police and filled out a police report giving them all the information I had. I was told that these thieves eventually get caught but not in the timeframe I would like. The next day I spent most of my day at the local bank going over all the details with the fraud department as well as giving her the police report #. \n\nI had to change my checking account, ALL my credit cards, my phone number that I had for over 30 years and my phone. Its been a nightmare! I was told that the amount these thieves took ( {$510.00} ) would be put back in my account temporarily and an investigation would be started. I felt a sense of relief that Bank of America would do their job and protect their clients against these awful criminals. \n\nThis morning I received an email that the investigation was complete and that the refund in my account would be reversed. \n\nTHIS IS SO WRONG! I would like to know why Bank of America is protecting these criminals instead of your clients! {$510.00} may not seem like a lot to some people like your huge clients, however I am retired ( XXXX XXXX XXXX ) XXXX and I still have to work to make ends meet. It is a major amount to me and I dont understand why Im being punished for being a victim of fraud by someone who was very good at pretending he was a B of A employee!\n\nI hope whoever reads this send it to the appropriate department to do the right thing and sees that this decision is reversed.\n\nAgain I may not be one of your major clients, but I want a bank that is going to make sure it stands by its clients. \n\nI look forward to a response from whoever reads this letter. \n\nRegards, XXXX XXXX Sent from my XXXX Begin forwarded message : XXXX TX XXXX Account ending in XXXX Date XX/XX/XXXX Claim number : XXXX Amount : {$510.00} XXXX, were unable to approve your recent claim. \nOur research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. \nWhats next The credit ( s ) for {$510.00} that was applied to your account will be removed on XX/XX/XXXX, along with any credit ( s ) for fees related to this claim - you ll see the adjustment ( s ) on your monthly statement. \nFor updates on your claim If you d like copies of the documents we used to make this decision, please call us at XXXX, Monday through Friday, from XXXX a.m. to XXXX XXXX. XXXX. Please have your claim number when you call. \nThank you for your patience during our review. \n\nFrom : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX To : of XXXX XXXX XXXX Subject : Re : Fraud Claim for account - XXXX - Claim is complete Thus is not right. My identities stolen from these people pretending to be Bank of America. Who do I escalate this to. You are supposed to be protecting your clients, not the hackers!!!! \nSent from my XXXX On XX/XX/XXXX, at XXXX, Bank of America XXXX wrote : Bank of America XXXX \nXXXX Claim for account - XXXX XXXX XXXX of XXXX Claim is complete Updated XX/XX/XXXX Your claim is complete. View details for more information. \nView details Claim ID XXXX Claim amount {$510.00} Claim opened XX/XX/XXXX Want to receive updates via the app? Download the latest app, and turn on Status Tracker notifications in Alert Settings under General.\n\nWe'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to XXXX then delete it. \nPlease don't reply to this automatically generated service email. \nPrivacy Notice Equal Housing Lender Bank of America , N.A . Member FDIC. \nXXXX Bank of America Corporation.","date_sent_to_company":"2025-02-21T15:27:41.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"34232","tags":"Older American","has_narrative":true,"complaint_id":"12170350","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-02-21T15:06:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The representative <em>gave</em> me his B of A ID number and his name <em>which</em> I wrote down, and he knew all my recent transactions, my SS #, my date of birth, etc. There was absolutely no reason for me to doubt this person. \n\nHe then proceeded to give me instructions on how to reverse this transaction through my XXXX account and <em>gave</em> me a code to enter at the $ sign to let B of A know that it was really me and <em>gave</em> <em>them</em> <em>authorization</em> to reverse the transaction. I did everything I was told to do."]},"sort":[14.378123,"12170350"]},{"_index":"complaint-public-v1","_id":"8074934","_score":14.1639805,"_source":{"product":"Checking or savings account","complaint_what_happened":"Everything started on XXXX XXXX XXXX I started getting text messages from the bank with verification codes asking to verify my identity following that I received XXXX phone calls saying they needed to verify my information since I was on a public place that was very loud they couldnt hear my I said I was going to call back and that I was not trying to make any transactions, I continued to get messages from Wellsfargo with verification codes through XX/XX/2023, on that day I got a call at XXXX form a local are code and it saying Wellsfargo on the caller ID I got the call and the person speaking identify him self as a XXXX form the bank that he needed to verify some information and that I could give him my login account and my email, to which I answered no that I will call the bank to see what was it that they needed from me which we answered good lock with that. \nImmediately after hanging up I call the XXXX number from the back of my card and somebody answered and I ask that i needed to know what was going on with my account that I think somebody was trying to take money from it without my authorization in which he responded let me have your business account number and I said I have XXXX accounts my personal and my business but I didnt know which one had the issue he said give me both and I responded dont you have it there and he said yes but they are covered, I was a little hesitant to give my bank account but since it was me the one who maid the call I gave it to him and the he ask for my phone number and I said is the same Im calling from and he said is in case the call gets disconnected and I have it to him, as soon as I gave him both things he ask for he proceeded to transferred my call to someone that was going to help me with the issue I had and the call immediately he transferred me got disconnected. \nAs soon as that happened I had a feeling that something was not right and I got on my online banking and the had just withdrawn XXXX from my business account when I first saw the transaction it appeared like if it was a check which I do not have checks on my accounts ; I immediately call back and asked what was going on and nobody could help me nobody new the answer to that and that I needed to wait for the transaction to cleared out I said that that was not an authorized transaction that it wasnt me who may it and that I needed to fiel a complaint ant I need to talk with somebody because that was fraude and that I was suspicious that it was somebody from inside the bank because I never gave my information to nobody except when I call the bank and gave the account number and the phone number the said that they where going to file my complaint and that I needed to wait for 10 days and they gave me a case number. After those 10 days passed I call again to ask about the case I gave them the case number and they said that number didnt exist and that there was no complaint field, so I explained again what happened and they said that now the complaint was made and that I had to wait again another 10 days. \nI think 2 days passed and I was not happy with the situation so I when to the branch near me to ask about my case with another new case number and they couldnt find anything with that number, the XXXX came and to help to see what happened and after a while he was able to locate all the calles I made with the complaints but he said that everything was done wrong and that he was going to help me with that we finally field the complaint and he said to wait 10 days again. By now the transaction was already cleared but now it was not showing that it was a check but that it was a withdrawal from a branch in XXXX a city in XXXX where I live and that it was made with the card and the pin I told them that that was impossible because I have the card and I dont even use it I dont even now the pin, he said that wait for the claim response, and finally yesterday I got a letter from Wellsfargo saying that they denied my case and that the transaction was authorized, I then proceeded to call the bank again and they said that the case was already closed and that the investigation was final decision and that they could reopen the case, I asked for the investigation documents and that I needed to see the cmaras all the cctv videos from that day because I have never been in that branch before, the representative said that they have proves of my signature and the security questions and that the ID was provided on with the transaction, that if I wanted to speak with the investigator he could contact me, I agree and ask for his name but she said that was confidential so I asked how can I be sure if is really from the back if I dont know the name, but anyway I agree to get the call. When this person contacted me he wanted again my bank account information in or there to verify it was my I said I was not going to give no more information over the phone that he was the XXXX calling and he knew it was me, he became really rude and I said that if I have to take this issue to court I would do it and he hang up on me say the no longer couldnt speak to me, hours later I got XXXX calls from Wells Fargo again and every time I would answer the call would get disconnected and after another call I didnt answer they left me a voicemail saying something about my complaint and that I needed to call a number that he gave on the message which I didnt because at this point I XXXX thats that bank and I dont really know who is from the bank and whos not. \nThank you for your time I really really want this to get solved because is not fair that you trust your bank and you think your money is secure in a place and is not and they can do whatever they want, I really want to see the video from the branch they took the money and to investigate that branch XXXX, I forgot to mention about how I now on what branch was it and it was on XXXX of the calls I made XXXX of the representatives gave me the location, and I want to clarify I have never ever been in that bank before and I have my id with me","date_sent_to_company":"2023-12-28T22:22:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33193","tags":null,"has_narrative":true,"complaint_id":"8074934","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-12-28T21:08:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["to call the bank again and they said that the case was already closed and that the <em>investigation</em> was final <em>decision</em> and that they could reopen the case, I asked for the <em>investigation</em> documents and that I needed to see the cmaras all the cctv videos from that day because I have <em>never</em> been in that branch before, the representative said that they have proves of my signature and the security questions and that the ID was provided on with the transaction, that if I wanted to speak with the <em>investigator</em>"]},"sort":[14.1639805,"8074934"]},{"_index":"complaint-public-v1","_id":"17758526","_score":13.3073015,"_source":{"product":"Checking or savings account","complaint_what_happened":"on XX/XX/XXXX there were XXXX unauthorized ATM withdrawl transactions of {$60.00} each transaction for a total of {$480.00} from my then 5/3rd checking account ending in XXXX. I have been disputing these transactions since XXXX. In XXXX I spoke to a manger named XXXX XXXX, who had informed me the decision was based on the information they gathered during my call to report the unauthorized transactions. I informed her I had still photos of the unauthorized person making the unauthorized transactions that I obtained from the Branch Manager where the transactions occurred XXXX XXXX XXXX, XXXX, IL XXXX. She gave me a fax number to send the photos of ( XXXX ) XXXX, which I faxed over the photo 's and the police report no. XXXX. They still denied to reimburse me citing they had nothing new on file. I called back in XX/XX/XXXX and had the case reopened, then I ended up selling my home & moving to Arizona. I have been going back and forth with them about my dispute. \n\nMore recently this XX/XX/XXXX I did a F.O.I.A. for the police report I filed from XXXX IL Police Department. I called and spoke to XXXX representatives on XX/XX/XXXX who stated that \" the complaint had been closed and that the bank declined to reimburse my funds. If I had new information, they could re-open the dispute claim. I then spoke to a Manager named XXXX in disputes on XX/XX/XXXX who confirmed to me that my file with them did not contain the police report nor the photos I sent back in XXXX. She gave me instructions on how to send the police report, which I sent on XX/XX/XXXX. I called disputes center back on XX/XX/XXXX and was told by another supervisor that XXXX did reopen my dispute and that it would take a few weeks to come to a determination. \n\nOn XX/XX/XXXX I received a packet from XXXX bank that read : \" Based on our review of the information we received, your dispute has been denied, and you are responsible for the transaction activity. We made this decision because ; We've confirmed with our Disputes Resolution Department that an investigation related to a PRIOR dispute has been completed. Please see enclosed letter regarding outcome. The letter went on to say : We've confirmed that information provided to XXXX, a consumer reporting agency for deposit accounts. was accurate. Therefore we can't complete your request to remove the reporting. '' \" Wev also confirmed that there is no information in XXXX XXXX XXXX a consumer reporting agency for deposit accounts associated with this account. In addition, we have confirmed our records are correct. The amount owed for this account is {$690.00}. '' Firstly when those unauthorized transactions took place by an unauthorized person I had over {$1000.00} in my account. Those unauthorized transactions totaling {$480.00} diminished the amount I had in my account. During my dispute with them back in XXXX I had auto withdrawls from billing vendors deducted which then XXXX my account negative. 5/3 at no point in time has ever reimbursed me the {$480.00} that is also included in the XXXX page Police Report. They then turned around and stated that I owe them monies. This is ludacris. \n\nI called Disputes back again on XX/XX/XXXX XXXX. and spoke to another manager named XXXX whom I asked how is it possible that I received such a quick denial letter via USPS when I literally just reopened my case. She informed me that the response I received was likely sent in error and to disregard the reponse I received as she could see on her end that the case had been reopened and that it would take a few weeks. \n\nOn XX/XX/XXXX I called Disputes center again and spoke to a manager named XXXX whom I verified with her that XXXX had in fact received the police report XXXX. I asked her to please notate that XXXX per the police report failed to comply with the full response the XXXX demanded they supply to the XXXX Police Department, as well as, previosuly failed to attach the still photo 's and the original police report # that I faxed to XXXX back in XXXX to verify that these unauthorized transactions were criminal and a warrant was issued for the arrest of the person in the still photo 's. ( This is person is a transient and now has multiple warrants out but has yet to be recovered into custody ). XXXX stated she would make detailed notes. She also informed me that due to the date they reopend the dispute case of XX/XX/XXXX the investigation and response would take upto 30 days. \n\nI continued to call disputes periodically through end of XX/XX/XXXX through XX/XX/XXXX. I finally managed to get a hold of XXXX the manager in disputes again and she informed mr that my dispute was once again denied and that I would receive something in the mail. I ascertained from her that the reason for denial remains the exact same, they determined from prior information the original phone call I made to disputre the claim in XXXX when I informed them that I had the chipped debit card in my possesion they had to deny the dispute. I did in fact have the card back in my possesion but that was part of the reporting to them and within the Police Report that without my Knowledge and without My Authorization my debit card was taken from my wallet and used to make unauthorized XXXX {$60.00} each transactions for a total of {$480.00} and then likely secretly returned the debit card back to my wallet. \n\nI maintain the removal of my debit card without my knowledge or authorization was taken and then was used to make unauthorized transactions at an atm totaling {$480.00} that 5/3 at no point in time has ever reimbursed me for those monies. That is also included in the XXXX page police report by the officer.\n\n5/3 has failed me as a consumer a multitude of instances throughout the XXXX years that I have actively been disputing these unauthorized transactions. They failed to investigate appropriately when the initial dispute was filed, they failed to comply fully with the subpoena that did was sent to them ny XXXX Police Department, they failed to even adnit that they never had possesion of the police report that I sent to XXXX XXXX back in XXXX until I resent it on XX/XX/XXXX. They have repeatedly denied my dispute due to PRIOR findings which I am told they do not keep recordings past a year. In any case whether the recording states I indicated that I had my card in my possesion, I don't dispute that - I stipulate that yes my card was in my wallet- The Dispute is that I DID NOT AUTHORIZE the use of my card and I did NOT AUTHORIZE the transactions at any point in time. These were all UNAUTHORIZED and without my knowledge transactions made at an ATM by an UNAUTHORIZED person. \n\nI simply want my {$480.00} reimbursed to me and this idea that I owe 5/3 monies is not only new news to me but it is also completely a ludacris thought pattern.","date_sent_to_company":"2025-12-04T23:56:52.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"17758526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-12-04T22:36:27.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["They failed to <em>investigate</em> appropriately when the initial dispute was filed, they failed to comply fully with the subpoena that did was sent to <em>them</em> ny XXXX Police Department, they failed to even adnit that they <em>never</em> had possesion of the police report that I sent to XXXX XXXX back in XXXX until I resent it on XX/XX/XXXX. They have repeatedly denied my dispute due to PRIOR findings <em>which</em> I am told they do not keep recordings past a year."]},"sort":[13.3073015,"17758526"]},{"_index":"complaint-public-v1","_id":"13844061","_score":12.788366,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I noticed a charge on my Apple Card for {$190.00} that I did not make nor authorize. On XX/XX/XXXX, I immediately contacted Apple Card via the wallet app to report the charge. It took me to their Apple Card text messaging where I chatted with an agent and gave them all of the information and disputed the charge. I had my card and my devices in my possession, and no one had authorization to make any charges, nor did I share any of my information with anyone. However, I had recently purchased a new Apple phone about 6 weeks prior where I had to add my Apple Card to the wallet app, which is possible how my information was retrieved. Apple Card replaced my digital card, and I also changed my Apple ID password to prevent any future unauthorized transactions. On XX/XX/XXXX, I also received an email from a company called XXXX XXXX with an order number and the items that were charged to my card. The company did not have a phone number, so I responded to the email at XXXX, to let them know that I did not place any order with them, that my card was fraudulently charged, to reverse the charges and cancel any orders in my name. The company responded the same day at XXXXXXXX XXXX  and their response was \" We recommend that you continue working directly with your bank or credit card company to resolve this matter. They will be able to investigate the transaction and handle the charge reversal process. '' I went back and forth through email with the company over the next 2 weeks and was told that I did not cancel my order in time, within their 12-hour window. I told them I did not place any order and that I contacted them immediately after receiving their email that I placed an order and well within their 12-hour window. I continued to receive emails that my order was processing, that it was delayed due to storms in XXXX and then on XX/XX/XXXX, that my order was delivered. I did receive a package from USPS on XX/XX/XXXX that had no company name, only XXXX XXXX, CA with a XXXX XXXX, CA address that happens to be a USPS location. I refused the package, and it was returned to sender. I also emailed the company again to let them know the package was refused and to reverse the charges. I never received a response and looked up the website of the company and there was no longer any active website for the business, clearly a scam. I did some research and found that this so called \" XXXX XXXX XXXX '' operates in XXXX and many people posted on XXXX XXXX that they were scammed by this fake company. The company had operated under several names with several different websites for each company name that they used, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, all the exact same website format but they would shut down the site and then operate under a different business name. On XX/XX/XXXX, I filed a police report with my local police agency and have not received any updates as of yet. I provided them with all of the information also provided here and to Apple Card, yet Apple card has denied my three disputes ongoing since XX/XX/XXXX, and I currently have a fourth dispute that is pending. I have sent all the emails with this fraud company including the fact that I notified the company within two hours of receiving their email that I placed an order, which I told them to cancel but they did not. I refused the package that was mailed to me, sent the tracking information to Apple Card of the refused package, and all the fraudulent names and websites the company was using yet it appears that Apple Card/Goldman Sachs are either not receiving and/or reviewing all the evidence that I have submitted, 24 items total, or they just do not care about fraud. They continue to deny my dispute and send me autogenerated emails stating, \" Based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' Clearly, there is evidence to substantiate the claim and my other credit card companies have reversed fraud charges with much less evidence. I am the one that has had to do all the investigation into this charge and Apple/Goldman are clearly not concerned with fraudulent charges to their consumers ' credit cards. Lastly, each time Apple Card denied my three disputes, I requested that they send me all information that was used to deny my dispute and they advised they would mail me the information. To date, I have never received anything from Apple/Goldman Sachs regarding the denial of my dispute. I urge anyone to not do business with Apple Card as they do not take fraud seriously. They have completely mishandled fraudulent charges as evidenced by CFBP. If you do a XXXX search you will find many other consumers who have had the same experience. I have had multiple credit cards with other banks over 36 years and have never had an issue when dealing with fraudulent charges being reversed and the bank is usually the one to alert me about suspicious charges.","date_sent_to_company":"2025-06-02T07:38:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90732","tags":null,"has_narrative":true,"complaint_id":"13844061","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-06-02T07:18:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I noticed a charge on my Apple Card for {$190.00} that I did not <em>make</em> nor authorize. On XX/XX/XXXX, I immediately contacted Apple Card via the wallet app to report the charge. It took me to their Apple Card text messaging where I chatted with an agent and <em>gave</em> <em>them</em> all of the information and disputed the charge. I had my card and my devices in my possession, and no one had <em>authorization</em> to <em>make</em> any charges, nor did I share any of my information with anyone."]},"sort":[12.788366,"13844061"]},{"_index":"complaint-public-v1","_id":"3356884","_score":12.742446,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I will attach 2 letters that I wrote the credit card company about my claim and disputing their findings. The letters give the basis of my claim. I will try to paste and copy portions of the letters, as follows. \n\nMy original claim was filed with the credit card company, as it was occurring on XX/XX/. My first letter 0f XX/XX/ disputes their clam finding ( Claim XX/XX/-XXXX ) dated XX/XX/, and is attached after the quote from their finding. Their JXX/XX/XXXX finding is : \" We've completed our review of your recent fraud claim on your account. After a thorough investigation, it has been determined that the funds were credited to your legitimate bank account and you benefitted from the balance transfer ( s ) in question. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My XX/XX/ letter disputing their XX/XX/XXXX finding above, is as follows : My XX/XX/ letter : \" To fraud department : This letter is to formally protest and dispute a fraud claim filed by me, and your decision on the claim. I do not think you have adequately addressed the claim in reaching your decision. I ask that you re-decide the claim in my favor. I did file the claim to protect myself and you from a fraudulent use of my computer, credit card account and debit card account. I did not authorize any expenditure on my credit card and debit card. I did not receive any money from the transaction. I do not feel you handled the transaction properly in either the credit or debit card. I gave you information to immediately stop both ( credit and debit card ) transactions, yet you failed to do so, even though I asked you to. As a result, the transactions went through and {$3100.00} was charged to my credit card, then transferred to my debit card via XXXX, then {$2400.00} was transferred from my debit card to XXXX XXXX. Here are details I gave to you which you did not timely act upon, preventing the transactions. I ask that you consider these in your decision. \n\nOn XX/XX/, I received a phone call from XXXX XXXX, posing as an agent or employee of XXXX, asking to renew and extend my XXXX account. He told me my account had been charged {$310.00}. I told him I did not authorize any charges. I asked him to verify that he worked for XXXX. After several attempts to verify that, I told him I did not want the services. He said he would credit my account for the {$310.00}. He managed to take control of my computer, and then he changed my password so I had no access. He typed in {$3100.00} on my credit card, claiming he made a mistake, only wanting to put {$310.00} on the card. He said he could correct it via XXXX. He added his name to my debit card and proceeded to try to transfer the maximum XXXX amount of {$2400.00} to his name/account. By now, I had determined I was being scammed. I could not do anything on my computer as he had taken control, and changed the logon password. I was smart enough to copy some of the information he was typing in that was on my computer screen. \n\nWhile he was doing this transaction, I called the Bank of America fraud department, and talked to an agent in fraud. I explained everything that was going on above to the representative. I asked him to stop payments on my credit card. I gave him the information necessary to apprehend Mr. XXXX XXXX. He told me not to worry, everything would be alright, I would not be held responsible. I gave him the following information : Mr. XXXX XXXX was doing the typing. \nHis email that the money was being XXXX ( XXXX ) to was XXXX His phone # that I got from my caller ID was XXXX XXXX, XXXX XXXX, CA, XXXX The transaction code from my credit card was XXXX The authorization code from my debit card/XXXX transaction was XXXX conf # was XXXX I captured as much information by hand as I could. I had no control of my computer. The agent cancelled my credit card and told me I would receive a new card in the mail in a week. He then transferred me to a lady to deal with my debit card, since he could only deal with the credit card. He told me not to worry, they would take care of things. I explained all of the information above to the lady on the debit card. She told me at least 3 times that she checked, that she could see no XXXX transactions. She cancelled the card, and told me I would receive a new Advance Plus Checking card in the mail in a week. I felt relieved that the transactions had not gone through, and I hoped that your agents would deal with Mr. XXXX. After I hung up with the lady, Mr. XXXX called me again. I told him I had stopped the transactions. He said he would lock me out of my computer. He did do that. I had to spend {$170.00} to get my computer cleaned and back. \n\nMy wife checked the accounts on her phone while I was talking to the lady. She said she was able to pull up the XXXX transaction even though the lady insisted to me that she could not see any XXXX transactions. My wife removed Mr. XXXX name from a list of recipients on the debit card on XX/XX/. \n\nI feel I did everything within my power to prevent these transactions. I did not authorize them. I gave you all the information needed to stop them, and to apprehend XXXX XXXX, including his email and his phone #. He still answered at his phone # the next day when my wife called him on it. He may still be using the # today, I would not be surprised. Try calling him at it. He succeeded in charging {$3100.00} to my Visa credit card, then transferred {$2400.00}, the maximum amount via XXXX through the debit card to himself as the recipient. The remaining {$790.00} is still in my debit card account, I have not spent one penny of it. Your agent told me not to worry, you would cover me. The lady told me she could find no XXXX transactions, yet my wife could see them on her phone. Had my wife not removed him as an authorized recipient, he might have transferred the remaining {$790.00}. \n\nAbout a week later, I got my computer cleaned, back up, and was able to sign in again. The following messages were in my email from Bank of America : XX/XX/XXXX XXXX XXXX Youre up and running. Money sent to XXXX will be deposited to account ending in XXXX. \n\nXX/XX/XXXX XXXX XXXX Youve added XXXX, XXXX, XXXX Send money by going to XXXX XXXX XXXX? ... ... ... \n\nXX/XX/XXXX XXXX XXXX You sent {$2400.00} to XXXX, XXXX Sent from account ending in XXXX to XXXX XX/XX/XXXX XXXX XXXX You sent me a How would you rate your recent call experience with XXXX? \n\nXX/XX/XXXX XXXX XXXX I received notice from my ADV PLUS BANKING ending in XXXX, about updated changes my wife made to the debit card. \n\n\nI talked to the fraud department while XXXX XXXX was attempting to transfer the money, approximately XXXX XXXX XXXX. I asked you to stop these transactions. Based on your emails, the money was not transferred until XXXX XXXX. You had adequate time to react and prevent this unauthorized transfer. \n\nI hope you will please use this information in your decision, and that you will reverse your decision. Credit my card for the {$3100.00} which I did not receive or authorize. Adjust the balance in my debit card, by reducing it {$790.00}. I am very sorry this happened. Once I realized I was being scammed, I did everything I could to prevent it. Had your agents acted on this information in a timely manner when I gave it to them, no money would have changed hands. I have been a loyal customer of yours for over probably 40 years. I can not be held responsible for, nor can I afford to pay the {$3100.00}, of which {$2400.00} was actually transferred to XXXX XXXX. Please reconsider based on this information. Thank you. \n\nI will be paying my current bill before its XX/XX/XXXX due date. None of this payment is for the {$3100.00} you put back on my credit card following your decision. I was unable to dispute this charge on my billing statement, but you know I am now. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, I received a second letter from them on the claim, with the following finding : \" We've completed our research of your fraud claim on the account listed above. \nAs a result of our research, we've determined that we are unable to honor the claim for the following : Our investigation found that the transaction in question was completed using a device that is consistent with previous account activity. \n\nWe based our decision on our records and the information you provided when you contacted us about your account. If you have additional information pertaining to the transaction ( s ), please contact us at the toll-free number listed below.\n\nYou may request copies of the documents used in our investigation and we'll mail the information to you for your records. \n\nWe now consider this claim closed. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, I received the following : \" We've received your dispute regarding our decision on the fraud claim for the above account. Our decision hasn't changed. \n\nWhat you should know .... \nWe've completed a thorough review of your claim and our decision was based on that research. We understands that you disagree with the outcome of the fraud review and regret that we're unable to resolve this in your favor. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- OnXX/XX/, I sent them another letter disputing their above findings. My XX/XX/ letter follows. \n\n\" To fraud department : This letter is to again formally protest and dispute a fraud claim filed by me, and your decision on the claim. I am enclosing my first dispute letter with this one. I ask that you specifically address, point by point, my following concerns regarding your investigation. I ask again, that you re-decide this claim in my favor, and accept the culpability and responsibility that you have. I also request that you sign your decision with the full name of the individual responsible for making the fraud determination. I feel that your fraud department has defrauded me the same way that Mr. XXXX XXXX did. \n\nYour fraud decision letters do not adequately the following points, and in general, do not state the reason ( s ) for your decision ( s ). Please specifically address the following. Where you have identified your reasoning, you state that the transaction was typical of others in my history ; and that the transaction was done because I gave the individual access to my computer. Neither of these is correct or true. \n\nPoint # 1, I told you about the transaction as it was occurring, out of my control. The individual took over my computer, and there was nothing I could do, except inform you, while it was occurring. I gave you information to identify the transaction, to stop it, to pursue the individual, while it was in progress. I specifically told you I did not authorize any transactions to either my credit or debit card. Your fraud department agent told me not to worry, they would handle it. Please tell me what more I could have done, and whether you are going to honor these words of your fraud department person. \n\nPoint # 2, You have stated that the transaction was typical of other transactions on my computer. Nothing could be farther from the truth. In my entire history with Bank of America, ( since XXXX ), neither I or my wife have ever used my computer, or for that matter, any computer for a single transaction. I use my computer to look at my purchases and balances, to dispute charges on my statement ; that is it. My wife transfers rewards savings from our credit card to the debit card using her phone. Neither one of us has ever used the computer or phone for on-line cash transactions or banking. Neither one of us has ever done a XXXX transaction. It is only now that I know what a XXXX transaction is. Be that as it is, please tell me of any cash transaction that you can find in my credit card or debit card history. There are none, so dont use that as an excuse or reason for denying my claim. \n\nPoint # 3, You charged me an interest charged on Bank Cash Advances fee of {$94.00} onXX/XX/XXXXXX/XX/XXXX for the transaction that I did not authorize, had never done before, and told you to stop. You can not do this. I also dispute this charge. Since I have never done a cash transaction, including this one, I dispute this additional charge, and demand that you remove the charge and return my money.\n\nPoint # 4, I was forced to pay for the transaction and the transaction fee with my last payment, XX/XX/, to avoid your overly high interest rate of 24.5 % on unpaid balances, and 27.24 % on cash transaction fees. As part of this payment, you will note that I used the {$890.00} that remained from the fraudulent transaction from my current debit card to pay for the fraud. Please understand that is the only reason I used the {$890.00}, and I still dispute the charges. I now understand that I did not have to make this payment.\n\nPoint # 5, I want to point out something else, for you to address. The debit card that I had during this claim, has never been activated. My current debit card that I received after the fraud claim, I only recently activated ( XX/XX/ ) to help pay the fraud claim ( point # 4, above ). I have not activated the cards since my wife and I seldom use the debit card. It is difficult for me to deposit money into the account ; and we have it set up for an emergency purchase if needed. Why do you have an activation process if it does not provide security from fraudulent use? Since the card was never activated, the transaction should not have occurred. \n\nPoint # 6, I was told by one of your fraud personnel that I could open up a wire fraud claim, which I did. It is claim # XXXX. When I recently checked on this claim, I was told it was denied, based on me allowing the transaction on my computer. Believe me, I did not knowingly give or allow this transaction to occur on my computer. When people hack into your computer, and steal private information, have you knowingly given them this access? I was not aware that the wire fraud investigation was also conducted by you. I thought it was by an outside agency, like the FCC. This in itself gave me a false hope that I could get a resolution to the fraud. It took me about 3 hours, transferring from XXXX in Delaware, to XXXX in Tennessee, to XXXX in Tennessee, to XXXX in XXXX, to XXXX in XXXX to finally get an answer on the claim. During this time, XXXX was on hold, could not get thru to your fraud department for quite some time, and had to call me back several hours later with the number for XXXX in XXXX so I could get an answer. \n\nPoint # 7, Do you not allow people to use their last names in talking with customers to avoid accountability and responsibility in how you deal with situations and claims? None of your fraud claim decision letters contains a/the name of the person making or responsible for the determination. I was never personally contacted in your investigation of my claim. Had I not written you, there is no way you would have known the specifics of my claim. All that you have is the transaction history, which you did not get that right. Apparently, its just a numbers investigation that you do.\n\nPoint # 8, I was told by one of your nameless agents that you do prosecute these cases of wire fraud. I dont believe that. Nothing was done by you to prevent the transaction from occurring. Nothing has been done since. The day after it occurred, I had my wife call the phone # that was used and that I gave to your agent, the same individual answered. He hung up when my wife asked for XXXX XXXX. \n\nPlease specifically address all 8 of my points. Please accept culpability and responsibility in allowing this fraud to occur. Please credit my account for the fraud transaction I reported to you, and you still allowed to occur. \n\nI have filed a police report, Case # XXXX with Detective XXXX XXXX, XXXX County Sheriffs Office, XXXX, MT. He tells me he seldom gets cooperation or returned calls on claims with credit card companies. I am also now looking into legal action. As you can guess, I am very unhappy with the transaction, its outcome and your fraud determination. I wish you no harm, but I have lost my respect for you. I dont enjoy getting transferred 4 -5 times over 3 hours on the phone to try to get answers to these matters. I will say that some of your employees are far more understanding than the unsigned letters I received. Your claim letters dont even contain a return address where you can be contacted, only your 800 number. \n\nPlease find, included a copy of my first letter dated XX/XX/. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have not received their reply to my above letter.","date_sent_to_company":"2019-08-28T19:46:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"599XX","tags":"Older American","has_narrative":true,"complaint_id":"3356884","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-08-28T17:54:10.000Z","state":"MT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["None of your fraud claim <em>decision</em> letters contains a/the name of the person making or responsible for the determination. I was <em>never</em> personally contacted in your <em>investigation</em> of my claim. Had I not written you, there is no way you would have known the specifics of my claim. All that you have is the transaction history, <em>which</em> you did not get that right. Apparently, its just a numbers <em>investigation</em> that you do."]},"sort":[12.742446,"3356884"]},{"_index":"complaint-public-v1","_id":"4393271","_score":12.478317,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, an unauthorized transaction of {$250.00} was made on my Wells Fargo account through XXXX. I filed a dispute claim that same night and was given a provisional credit of {$250.00}. \n\nOn XX/XX/XXXX, I received a letter from Wells Fargo stating that the credit would be removed within ten business days. However, it was dated XX/XX/XXXX, so I did not receive it until ten days after it was filed, which is very suspicious that it took eight days for this letter to arrive. \n\nI filed an appeal through the Wells Fargo XXXX page where I spoke with someone named XXXX the weekend of XXXX XXXX and he told me that someone from Wells Fargo would reach out to me immediately. However, 4 days had passed and no one called me. \n\nTherefore, the night of XX/XX/XXXX, I called the Wells Fargo Customer Service line and was transferred 3-4 times through different departments before finally being told that someone would call me back the very next day by XXXX. \n\nNobody called me back by XXXX the next day. So, a few hours later I called the Wells Fargo Customer Complaint/Executive line ( XX/XX/XXXX ). I spoke to a man named XXXX who transferred me to his boss/supervisor. That boss I spoke to told me that the case should be resolved by the following Tuesday on the XXXX, but it was not resolved. \n\nI call again on XX/XX/XXXX and am told that I can speak to my case worker, XXXX. However, she was in a meeting, but the person that I spoke to XXXX I believe her name was XXXX ) told me that XXXX would call me back later that day. That never happened. \n\n4 times I have been promised that someone would contact me, but no one did. I am an independent contractor and had to turn down work, resulting in lower income because Wells Fargo blatantly lied to me. \n\nXXXX eventually got back to me and informed me that the decision to remove the credit was upheld. I tried to appeal one last name with an employee named XXXX XXXX before he informed me around XX/XX/XXXX that the decision was final. Wells Fargo denied my claim because their investigation INCORRECTLY concluded that the transaction had been authorized by me.\n\nFor one, I shared with Wells Fargo that I had signed into my account on someones phone but did not save my login information and gave them no authorization to access my account, but they could have secretly screen-recorded my information without my consent. Wells Fargo then claimed that the transaction was made from a device that I have been using for months, however, my phone clearly had to have been hacked.\n\nA hacker can easily record your screen from their own computer/phone after sending some form of malware ( usually after you click a link to any seemingly innocent but actually malicious website ), then create a duplicate device to make transactions using your bank account information and trick the financial institution into thinking it came from the actual customers device. They can also simply clone your IP address to fool the bank ( I have attached examples of malware texts and links I have received that hackers can use to steal people 's information ). \n\nI also have NEVER used XXXX before this unauthorized transaction was made, so it clearly was not me. The XXXX transfer was sent to a name - XXXX - that I have never seen before. I can go through my address book and email to prove that. \n\nI have only disputed one other transaction, and it was for {$35.00} over a year ago, so my credibility should speak for itself, I hope.\n\nAdditionally, Wells Fargo has not offered any reimbursement or relief for the time and income that I lost from waiting 4 different times on them to call me since they never did, including 4 straight days after speaking with XXXX. \n\nI need my {$250.00} back. It is is unfair and predatory that a major bank/corporation would continuously ignore me for over a month, knowing that someone with very low-income and resources such as myself was essentially powerless when pitted against their behemoth of a financial institution. \n\nI have bills that need to be paid and am simply pleading for your intervention, CFPB. Thank you.","date_sent_to_company":"2021-05-20T22:22:03.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"220XX","tags":null,"has_narrative":true,"complaint_id":"4393271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-05-20T21:32:41.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Wells Fargo denied my claim because their <em>investigation</em> INCORRECTLY concluded that the transaction had been authorized by me.\n\nFor one, I shared with Wells Fargo that I had signed into my account on someones phone but did not save my login information and <em>gave</em> <em>them</em> no <em>authorization</em> to access my account, but they could have secretly screen-recorded my information without my consent."]},"sort":[12.478317,"4393271"]},{"_index":"complaint-public-v1","_id":"2680492","_score":11.236001,"_source":{"product":"Mortgage","complaint_what_happened":"DETAIL : My name is XXXX XXXX, age XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX, phone ( XXXX ) XXXX. I obtained a XXXX XXXX dollar first position HELOC with Wells Fargo Bank about 9 years ago, loan # XXXX on my personal residence at about 50 % LTV ( loan to value, up to 80 % is acceptable ) at a very good interest rate of 1 % under prime. These HELOCS have a 10 year draw period, then no advances are possible and the balance is paid off monthly in an amortized fashion. I needed that credit line for business and was fully qualified with a FICO credit score about 800 or higher ( where it probably is now ). \n\nWells Fargo wrote me that they closed my HELOC to any advances on XX/XX/XXXX with a {$780000.00} balance, because they believed I \" would be unable to fulfill my repayment obligations '' of about {$1500.00} per month interest payments with no evidence of that claim at all. They just made that up, perhaps because my very low interest rate was no longer available. MY REPAYMENT ABILITY PROOF : One year later by XX/XX/XXXX I 'd paid the balance down to {$660000.00}, so {$120000.00} of principal not required to be paid I had paid. By XX/XX/XXXX a year later another {$450000.00} of principal was paid and the principal balance was down to {$210000.00}. On XX/XX/XXXX another year later my balance was paid down to {$120000.00}. By XX/XX/XXXX the balance was paid down to {$8700.00}. What XXXX Wells Fargo are! \nI buy and sell real estate, and was harmed by the loss of access my HELOC that I needed as a tool. \n\nI contacted Wells Fargo repeatedly, and got many other excuses like \" you gave your account number out for others to wire funds into ''. That is not prohibited in the HELOC terms I signed, and I did at other times with no problems, so that was false. Then a forged check for {$250000.00} made out to me that I never saw or signed arrived. They refused to tell me the victim at what branch or how this check was received. I reported this to their Fraud Investigation Division and to the FBI. They had illegally deposited it. They had assisted with a crime. XXXX told me you could tell in 3 seconds looking at a copy of that check that it was a forgery, but Wells Fargo deposited it instead, without my signature on it as required, and then did n't tell me that check that was supposed to be a wire was not good until a week later, while the crook I believed did this was disappearing! Wells Fargo then stalled on supplying me a photocopy of the forged check put in my account when I demanded to see it. They told me to wait a couple weeks and I 'd get it in the mail! A quarter XXXX dollar loss of my home! I demanded they send a copy to my local branch that day to immediately to see it so I could contact the FBI. The FBI in Virginia then called me back to ask Wells Fargo to confirm for them that the check was fraudulent. Wells Fargo ( XXXX XXXX ) refused! Wells Fargo would not cooperate with the FBI. I contacted the XXXX County Sheriffs Department and made a report about the fraudulent check deposited into my account without my authorization. The prime suspect had served time for robbing a bank 20 years earlier ( this was in the newspaper ). I went to court with that person I had given my account number to and got a {$240000.00} judgement XX/XX/XXXX in XXXX County, California Superior Court against him. I 'd like to give Wells Fargo that judgement for their collection department and have them return the {$240000.00} I lost due to Wells Fargo 's antics. \n\nWhen I demanded reinstatement, then Wells Fargo made up more excuses to keep my HELOC closed. They said that my home value had dropped with the normal market decline ( XX/XX/XXXX through XX/XX/XXXX ). They had done no appraisal and had no analysis to show me. My home value was about the same, but even if it had dropped 20 % so I would still at 70 % LTV, far below their up to 80 % loan allowed to start a HELOC. Presently that credit line would be at 55 % LTV ( very low ), but they still wont reopen my credit line access. An attorney told me it would be difficult to sue Wells Fargo, as their defense method is to fill a room to the ceiling with paperwork and delays, so an individual can not afford the legal cost to sue them. Wells Fargo kept telling me I could not appeal their decision, then switching who I could talk to. One of the last was XXXX XXXX in XXXX, Arizona ( XXXX ) XXXX at their XXXX Center. She sent me a letter saying that \" to protect our interest in the collateral she decided \" to keep the account restricted '' ( to any advances ) and \" in the meantime, our decision stands ... you had a material change to your financial circumstances which allows us to prohibit future advances ''. What material change? They cited nothing. They had plenty of collateral! There was also a XXXX XXXX ( XXXX ) XXXX in XXXX, Montana they had talk to me. She said I was not allowed to discuss this with anyone but her, and would give no superiors names. \n\nLater I contacted a XXXX XXXX ( XXXX ) XXXX at the executive office of 'Wells Fargo Executive Private Banking Direct '. I wo n't go on and on, but I kept written records of my conversations. For example I left phone messages for XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She finally called me back XX/XX/XXXX at XXXX XXXX. She said on their recorded line \" this account is no longer available. You 'd have to re-apply and qualify for a new loan under the present interest rates, and that would be a second lien on top of your first lien with us ... I 'll have XXXX XXXX phone you ... \" But this was a 40 year agreement- a 10 year draw period plus a 30 year amortized repayment period. That would have doubled my interest rate. XXXX never called me. It was misdirection to an lower agent, as she was only the XXXX XXXX fraud investigator that I had asked to contact in the first place, who certainly could not make executive decisions about the legality of Wells Fargo closing my credit line for reasons that were not allowed under the loan document. I think she worked from home in XXXX, for example, a low level employee whom no one around would hear her conversations, who could later claim investigation privacy if these Wells Fargo improprieties were investigated. \n\nI manage XXXX XXXX. Wells Fargo continued to give me more fabricated excuses for wanting my low interest rate HELOC off their books. Yet they got my business with this low interest rate. Then they said I had a derogatory item on my credit record. I ran my credit report and found out it was a tiny {$500.00} small claims judgement about a ruined carpet that I had already paid by check. I could get a copy of that check for proof it was paid, but they did n't care. Then they said I was in litigation with a tenant. I was, I sued and had XXXX XXXX dollars of insurance for that, but again Wells Fargo did not care to see that. They were completely protected by their secured lien on my home with adequate equity anyway. Wells Fargo cant have a standard procedure of closing anyones HELOC that becomes involved in litigation. \n\nAlong with millions of other Americans, Wells Fargo also without my knowledge or authorization opened a credit card account in my name. I saw it on my credit report I ran recently. I never saw the card and never used it, as my credit record shows. No wonder the Wells Fargo president had to step down. After claiming I was financially at risk of not being able to pay my secured credit line on my home with them ( I was never late ), then they opened up an unauthorized unsecured credit card in my name without my knowledge or permission! They obviously did not believe their own I would be unable to fulfill my payment obligations rhetoric! Actions speak louder than words. \n\n\nThis is not a legal point, but in the lobby of my closest branch in XXXX XXXX, CA is a 4 foot by 10 foot sign hanging over the tellers I took a photo of that has been there for 15 years that says : \" We have one very powerful business rule. \nIt is concentrated in one word : COURTESY. \nXXXX XXXX XX/XX/XXXX ''. \n\nWhat hypocritical false advertising. Id be happy to supply the photo. I do bank with other institutions. A few are excellent. However if you get a loan with Wells Fargo, you are forced to open an account with them for 'automatic payment '. Then they can keep trying to sell you their other 'services ' with additional false advertising.","date_sent_to_company":"2017-09-21T04:35:07.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"94901","tags":"Older American","has_narrative":true,"complaint_id":"2680492","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-09-21T04:23:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX <em>never</em> called me. It was misdirection to an lower agent, as she was only the XXXX XXXX fraud <em>investigator</em> that I had asked to contact in the first place, who certainly could not <em>make</em> executive <em>decisions</em> about the legality of Wells Fargo closing my credit line for reasons that were not allowed under the loan document."]},"sort":[11.236001,"2680492"]},{"_index":"complaint-public-v1","_id":"9273185","_score":11.03101,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On Saturday, XX/XX/2024, I received a text message from XXXX ( XXXX ) XXXX at XXXX with a message saying \" Chime : Did You Attempt A Purchase For {$74.00} At XXXX XXXX On XX/XX/2024 ( XXXX )? If It Were You Then Simply Disregard This Message. Not You? Reply Yes or No. '' When I received this text message, I was in my home at the time with my children and had not purchased anything from XXXX XXXX or was in the vicinity of making a purchase, so I replied \" No '' which was then followed by \" Chime : Thanks for replying. A representative will call you shortly. '' At XXXX, I received an incoming call from XXXX ( XXXX ) XXXX to which I answered and was greeted by a Chime contact customer service representative. Before furthering this call, the representative on the other line said they would be calling me from Chime 's contact customer support number to verify their identity as they had called from a number that was a part of their transactions department due to failing to reach me through the contact support number in order to confirm that I was in fact speaking with a true Chime contact support representative. At XXXX, I received an incoming call from XXXX ( XXXX ) XXXX and was greeted with the same person I had spoken with on the ( XXXX ) number and was directed to pull out my card and identify that the number on the back, upper right-hand corner of the card matched the number they had called me on. I confirmed and they assured me they wanted to confirm that this was in fact a representative and they were here to help. During the call on the ( XXXX ) number, there was static and in the past with issues speaking with Chime contact customer support and the service dropping or being static, I opted to speak with them on the ( XXXX ) number to hear them better. \n\nContinuing the conversation after identifying their identity as a Chime contact support representative, they continued to ask if my card number ended in the last four as they read it to me, and I confirmed. The person on the other line, then started reading back to me the charges that were on my account, asking if I had authorized or made these transactions. I denied it and asked if they were able to tell me who was doing this to which they said, an XXXX XXXX on an XXXX XXXX was sending transactions to be posted earlier by next week ( Tuesday, XX/XX/XXXX ). When I asked how this XXXX was able to get my information, they stated that with purchases made online or using your card at the gas pumps, it is easy for an individual to obtain your credit or debit card information. Concerned, I asked how this was going to be fixed to which they assured me they would be assisting me in the process of stopping these transactions and opening a new checking account for me. During this information that was being given from the Chime contact support representative, they mentioned that their supervisor, XXXX XXXX, who was in charge of this case as well as the supervisor in transactions would be assisting. In order for this to happen, they asked me to state how much money was in my account currently as they would be assisting in transferring the money in my account to a new checking account as my current account was compromised. The Chime contact customer support representative told me that I would be receiving a code that they would need on their behalf to move forward as they had my account pulled up. \n\nAt XXXX, I received a message \" Mobile Code : XXXX for card ending in XXXX. Enter when prompted '' When I received the code, they assured me Chime would never ask me to share this code with anyone, but this code was needed in order to move forward with the investigation that was taking place. I read them back the code and they proceeded to move forward with asking for me to send the first transaction to supervisor XXXX XXXX through the Pay Anyone Transfer for \" Payment Dispute/Refund Authorization ''. When prompted, they said that sending this would go into my new checking account and would be getting put back into my new one as my old one was now compromised and scheduled for these payments to take place earlier in the next week after the holiday. The tag to the supervisors Chime information was \" XXXX XXXX \" XXXX They had also mentioned that I should be receiving an email with furthermore information and when checked, there was nothing. At XXXX, I had received an email stating my card had been enrolled in XXXX XXXX, but did not see this until a few minutes later to which I questioned them about this email I had received, and they had informed me that this was the process they were trying to go forward with as this was where my account was compromised along with my card information. I was then placed on hold as the representative stated they were going to be working on setting up my new checking account information. While on hold, the call dropped and the proceeded to call me back at XXXX, from the ( XXXX ) number. I was told the call had dropped and they assured me they were working on this and they were going to put my back on hold. As time went by, I was growing anxious and decided to call the Chimes contact support number, the ( XXXX ) number to get ahold of someone in the same department to see what was going on. \n\nAt XXXX, I called Chime Contact Customer Support on the ( XXXX ) number and when I reached another representative, I continued to ask if there was any new details or information as I was currently on hold with one of the representatives and their Supervisor to which I gave them the name XXXX XXXX XXXX The representative on the line told me that there are many supervisors and they are stationed in different areas. When I continued to explain the situation, the woman on the other line stated that Chime does not make any personal calls out even after assuring them that the number used was in fact their number as it matched the same number I was making the call to now and that the last call between Chime and myself was back in XXXX of XXXX. She then went on to say that she believes that I was scammed and would help me to file a dispute. During this time, the ( XXXX ) number was still on the line but after inactivity and being on the phone with the real Chime Contact Customer Support representative, they hung up. After speaking with the Chime Contact Support Representative about my dispute, I submitted evidence that I had obtained as well as screenshots they were taken and submitted them. \n\nAt XXXX, my dispute for this incident was filed with number XXXX. \n\nSunday, XX/XX/2024, my dispute for XXXX was denied at XXXX due to there being that \" no error occurred '' Sunday, XX/XX/2024, I filed a complain to the XXXX at XXXX, giving details and description as to what had occurred and happened. \n\nSunday XX/XX/2024 XXXX, I received my message regarding my complaint with my complaint number # XXXX that they had sent the complaint to XXXXXXXX XXXX in regards to my dispute XX/XX/2024 at XXXX, I called Chime Contact Customer Support on the ( XXXX ) number and continued to tell them the same issues and in regard to my denial of no error having occurred, they assured me that they could rebuttal this dispute and I can submit more documentations on behalf of the dispute and it would be re-opened. I submitted more information I had gathered. \n\nTuesday, XX/XX/2024 at XXXX, I received an email from Chime contact customer support for my rebuttal decision for XXXX, that they had thoroughly investigated through their investigations team and decided that no error occurred and this dispute was closed. \n\nXX/XX/2024, at XXXX, I called Chime contact customer support at the ( XXXX ) number and voiced my concerns in regard to the decision for the rebuttal of the dispute, explained the situation again and what happened to which she said with new information, she could rebuttal this for a second time and I would need to submit more documents to go towards the investigation. When I told her I have submitted everything there was to submit and what more I could do, she suggested a a police report to go towards this investigation on my behalf to prove that this in fact a scam. \n\nXX/XX/2024 at XXXXXXXX XXXX I made a call to my local police department and spoke with an employee who said an officer would be calling to help me file the report over the phone. \n\nXX/XX/2024, at XXXX, I received a call from an officer who took down my information as well as explained the situation that had happened and she proceeded to take down this information to which she gave me my case number and a paper copy for this police report would be available to pick up in person in XXXX days from the date of it first being filed. \n\nXX/XX/2024 at XXXX, I submitted more documents pertaining to the re-opening of my dispute claim to which they denied me again, at XXXX XXXX on XX/XX/2024. \n\nXX/XX/2024, at XXXX, I had called Chime customer service once again to voice my concerns and let them aware that I would be submitting more documents pertaining to my case to which they went forward with a rebuttal, e-mailing me another link to submit any new or extended evidence that would go towards my dispute claim. \n\nXX/XX/2024 at XXXX, I submitted more evidence to the link they had messaged me and waited for a response. I had received a confirmation link stating my documents have uploaded and would be reviewed within 4 hours but that I may experience longer waiting times outside of business hours. \n\nXX/XX/2024, at XXXX am, I received a e-mail from Chime Support stating my documents were unable to deliver and to reach out for more assistance. \n\nXX/XX/2024, at XXXX, I reached out to Chime customer support and spoke with an agent within the dispute department and voiced my concerns as to why I had received an e-mail stating my documents were not submitted on Wednesday, XX/XX/XXXX, when I had submitted and received a confirmation e-mail on Sunday, XX/XX/XXXX. The agent stated that the investigation team had never received my documents and therefore, closed the rebuttal but that he would re-open it by sending me another link to submit the documents again. While in the process of this, I questioned if there was a supervisor I would be able to talk to about my situation and the reason for the constant denials as to my claims when there is supporting evidence that I am a victim of a crime. I also asked if there was someone within the investigation team I would be able to speak with on why this decision keeps getting denied as the only explanation there is that \" no error occurred ''. I have requested in the past detailed reasoning as to why they deny me and they send e-mails only with the documents I have submitted. The agent stated I could talk with a Supervisor but it was out of his department to answering the questions I have, as that is part of the investigation 's team responsibilities. When I had questioned whether I could speak with someone over the phone in the investigation department, he replied stating that they are strictly e-mail and do not answer phone calls but would put a note for them along with my documents that I would like to be reached out to with explanation to the denials. \n\nI believe there is many wrongs on Chime 's department of investigations to which I have been fighting and battling for nearly a month. After being a victim in this scam, I have lost out on much of sleep, opportunities for me and my children, and having to start over from the money that was lost and missing out on quality time that is able to be spent with my children. It is disheartening, discouraging, and saddening that Chime can not see that I have been victimized and have submitted as many documents I have and can, pertaining to the evidence that this was in fact a crime. My concerns are not being taking seriously and the establishment that Chime is not adhering to the Pay Anyone feature in which it states in their agreement that they are to be \" monitored, and may be held, delayed, or blocked if, in Chime 's sole discretion, Chimes concludes that completing the transfer could result in a breach of Agreement, fraud, any financial harm or harm to the safety and integrity of the Pay Anyone Transfer Service. ''","date_sent_to_company":"2024-06-17T02:59:59.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"40517","tags":null,"has_narrative":true,"complaint_id":"9273185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-06-17T01:51:28.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Enter when prompted '' When I received the code, they assured me Chime would <em>never</em> ask me to share this code with anyone, but this code was needed in order to move forward with the <em>investigation</em> that was taking place. I read <em>them</em> back the code and they proceeded to move forward with asking for me to send the first transaction to supervisor XXXX XXXX through the Pay Anyone Transfer for \" Payment Dispute/Refund <em>Authorization</em> ''."]},"sort":[11.03101,"9273185"]},{"_index":"complaint-public-v1","_id":"3740201","_score":10.832059,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was the victim of credit card fraud from an ex girlfriend who used my cards for her own personal gain using 3 separate credit cards from XX/XX/XXXX to XX/XX/XXXX without my permission and without my knowledge. One of these cards is through XXXX XXXX XXXX. I have cleared the fraudulent charges on my other two cards by submitting a fraud report to those companies, but XXXX has refused to do a fair and impartial investigation to clear the debt from my name even with the substantial evidence which has been presented to them. I am submitting this complaint due to violations committed by XXXX XXXX XXXX under the Fair Debt Collection Practices Act and Fair Credit Billing Act. The final complaint submitted to XXXX XXXX XXXX was received with the following statement made by them in writing which outlines their lack of investigations. \" We previously responded to your concerns in our enclosed letter dated XX/XX/XXXX, in which we enclosed a copy of the Card member Agreement that says on page 1 that you, as the Primary Card member, are responsible for all charges made including anyone you permit to use your account. '' They then proceed to state \" Although we understand your claim that your ex-girlfriend used the credit card without your permission, you acknowledge that you made and agreement with her to repay you for the purchases and acknowledge that you allowed her to handle your finances. We consider this to be a civil matter, not fraud, and best handled outside of the credit card industry. Our decision remains unchanged '' This letter was received by myself on XX/XX/XXXX and is entirely inaccurate on the information submitted to XXXX XXXX XXXX on the fraud report and continues to be perpetuated by false information reported to the credit bureaus as well. When I submitted the report of the fraudulent activity, I never stated I asked the ex-girlfriend to repay ME for these fraudulent charges, I offered her the ultimatum to repay the fraudulent charges to XXXX and clear the credit card of all debt or to face criminal prosecution. She then made a few payments on the card, but then recanted her promise to pay and was ultimately charge with two felony charges by the XXXX, NC Police Department. XXXX also inaccurately states that I claimed this ex-girlfriend handled my finances. At no time has she ever handled my fiances and this information is completely inaccurate. However, even if this information WAS accurate, there is no place under the law that would excuse felony credit card fraud and identity theft and make this matter a civil matter. XXXX has not once called me after repeated requests and complaints over this matter to actually conduct an accurate and thorough interview. After this last \" investigation '' I received a call stating an investigator name XXXX would contact me in the coming days as she works on the investigation. I never received that call, in fact there was no information provided by me at all in this investigation other than information they claim I provided and used that is full of inaccuracies entered from their initial investigation two years ago. Instead, I received a letter stating \" Our decision remains unchanged '' and then cites inaccuracies that persist from the initial investigation 2 years ago that I have continued to point out are incorrect. I have had nothing to do with this re-investigation and they appear to simply be reading someone else 's notes and then copying what they had to say which includes falsehoods such as \" He allowed her to use his card '' or \" You allowed her to handle your finances '' when in reality they are misapplying statements that were made about unrelated items. I have never had the chance to have a fair and ACCURATE investigation as it is glaringly obvious XXXX does not want to conduct a real investigation because they know the fraud I experienced must be deleted from my account and clear my credit of this charge card. XXXX states the following inaccuracies on their investigations but has never validated or even contacted me to verify any of the information which they seem to use to make their determination. 1. I allowed the ex-gf to use the cards. -I made it abundantly clear to XXXX XXXX XXXX I never authorized nor knew about the fraudulent charges. Once I discovered the illegal charges, I gave the person who was still a current girlfriend at the time the ultimatum to repay the money for the theft ( to the credit card companies ) or I would file criminal charges. The reason I did not immediately file criminal charges is to avoid her becoming a convicted felon. She was at the end of two years of college classes to become an XXXX   and was almost ready to graduate and she was also a XXXX  mother. As stated earlier, we were still romantically involved and I did not want to ruin years of schooling for her XXXX. Instead, trying to be fair, I offered her the chance to make things right with the credit card companies or turn her over to the police, but ultimately that would be her decision. The woman in question did make payments to the cards for a short period of time then stopped entirely and directly refused to pay off her fraudulent charges. By the time I filed criminal charges I had ended the relationship, removed her from my home, and reported the fraud she had committed to the credit card companies. I attempted to make the credit card companies whole by first giving her ( the ex-gf ) the opportunity to repay the money and avoid prosecution. It seemed like the \" nice-guy '' option as everyone would win in this scenario. She would avoid any charges and could continue on her career as a XXXX  and set a good example to her children ( she was also a XXXX   mother ), the credit card companies would be repaid in full PLUS interest on her fraudulent charges, and I would not have to deal with this nightmare of fighting to clear my name of charges I did not authorize or know about. XXXX now contends that makes this a \" civil '' matter. I directly dispute that allegation as I have consulted with my local police department who agree, this is a criminal matter and on XX/XX/XXXX filied one charge of Financial Transaction Card Fraud. An additional charge of Felony Identity Theft was added by Investigator XXXX on XX/XX/XXXX. As explained to me by Investigator you can not make a felony into a civil matter, and allowing her to repay the money to XXXX  is actually called \" continuation of a felony ''. The investigator stated it would not be something you would likely understand and obviously you were trying to do what is right, but XXXX XXXX XXXX absolutely should know that a felony can not be absolved by paying restitution it simply \" continues '' even if the debt was cleared, however that was not the case here as the ex-gf failed to pay the money as promised. 2. XXXX alleges I allowed my ex-gf to \" handle my finances ''. Once again, this information is completely false and results in massive assumptions compiled by information that had to be twisted by the initial investigator. The information provided to the initial investigator that could only be where the investigator drew this conclusions was when I stated the now ex paid \" all the bills of the house '' meaning she had the lights, cable, rent etc in her name. I was NOT on the lease, I was not joint on any account with her of any kind. I simply paid her half of these items in cash to pay these house hold items. I lived with her, but the lease of that rental was in her name. To be fair, I paid my fair share of items that were used, but at no point did she handle my finances. I had my own bank account which she was not on, I paid all my own items such as cell phone, insurance, car payment, student loans etc myself. They came from my bank account which was again in my name. The only reason the household bills were ever mentioned to the initial investigator was because after reviewing the fraudulent charges, I noticed she was paying 100 % of these \" household bills '' with the stolen funds from my credit card AND collecting half of the bills from me personally in cash as well. So she was avoiding paying any of the bills since she was adding them to the cards, then still taking cash from me as if she was adding it to her money and sending out checks to pay those bills. I even discovered at least two forged credit card checks she used to pay the rent to the land lord, but once again also got half of the rent from me in cash. As a result, she managed to not pay any of the bills in her name for several months, collect money from me, and later also used the stolen card information to pay HER personal bills such as car insurance, cell phone bill, buy items online for her children, pay her child 's cell phone bill, put gas in har car, etc. That was all discovered shortly after I purchased my home and was confronted with the massive amount of credit card debt by my mortgage broker who then explained my credit bureau was showing maxed out cards. However, the \" investigators '' from XXXX also got this information wrong and somehow turned this into the ex must have had access to all my finances etc. They have failed to do any semblance of an investigation and have simply rehashed old inaccurate information and placed notes on the account never actually doing anything. As a result, I am filing this complaint with copies of the police report as well as the statutes of both State and Federal laws  which prove without a double that what XXXX alleges is civil is entirely criminal. There is no reason for this account to still be appearing on my credit bureau when the information they have been provided proves this account is the result of Credit Card Fraud! For  XXXX XXXX XXXX to continue to report this as a charge off and reporting this information as accurate is a concerted effort to intentionally inflict damages upon me for refusing to pay on this account due to the fact it is fraud. The following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. ( a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 ) Obtains money, goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of five hundred dollars ( {$500.00} ), or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or ( 3 ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed five hundred dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds five hundred dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both. It is obviously clear that there is no defense alleged by XXXX in any previous statement that would make this matter civil in any way. Both State and Federal laws make it very clear I was the vitim of fraud, as well as the local police department who have filed two felony charges against her. So, how can XXXX possibly make the claim to find this matter civil? The last time I checked the Prosecutors and Police officers who do this for a living decide what is a crime based on these very statutes, especially since they saw fit to file charges for the actions of this now ex-girlfriend. So what then could possibly motivate XXXX to continually file false information that my account information is \" accurate '' when the LAW says it is not just criminal, but FELONY charges that were committed. My rights under the Fair Debt Collection Act have been violation due to intentional and deceptive collection practices, unfair reporting of false information, and illegally reporting inaccurate information to creditors damaging my credit score resulting in higher interest rates on my home, car insurance, as well as knowingly keeping that false information on my credit bureau. They have also violated my rights under the Fair Credit Billing Act knowingly failing to investigate my claim of fraud and simply passing of their \" investigation '' as completed. This is obvious with prima facia evidence that they continue to claim the fraudulent charges are civil when their are a half dozen statutes listed that contradict their own statements. They are not qualified to make legal decisions on what is or is not fraud when the law has already clearly defined the actions that occurred in my case fall directly in the definition of credit card fraud. Cards were used without my knowledge, items were purchased over the internet falling under federal statutes, signatures on receipts were signed under my name which were then forgeries, credit card checks were cashed using my name to pay rent also adding to the fraud under Forgery of Financial Transaction and Receipt and Concealment of Goods Obtained by Use of Card. There is Statute after Statute that directly covers EVERYTHING that  happened to me as a victim of fraud, but XXXX XXXX XXXX wants to fake an investigation and call it civil. To continue this narrative is not just unjust, but it is borderline criminal on their part knowing that the lasting effects of their information is directly harming me financially. That is likely their motive for continuing to respond in the manner that they are an I surely hope an investigation is conducted by CFPB and additional fines and punitive damages are levied against them for their deceptive and illegal business practices.","date_sent_to_company":"2020-07-10T12:26:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3740201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-10T12:26:40.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have <em>never</em> had the chance to have a fair and ACCURATE <em>investigation</em> as it is glaringly obvious XXXX does not want to conduct a real <em>investigation</em> because they know the fraud I experienced must be deleted from my account and clear my credit of this charge card. XXXX states the following inaccuracies on their <em>investigations</em> but has <em>never</em> validated or even contacted me to verify any of the information <em>which</em> they seem to use to <em>make</em> their determination. 1. I allowed the ex-gf to use the cards."]},"sort":[10.832059,"3740201"]},{"_index":"complaint-public-v1","_id":"9104506","_score":10.818924,"_source":{"product":"Credit card","complaint_what_happened":"My dispute is with Apple Card and Goldman Sachs, Re : Dispute Case number XXXX I am writing concerning a dispute I currently have open regarding an unauthorized charge of {$2300.00} from XXXX XXXX on my digital Apple card XXXX \n\nApple/Goldman Sachs has closed my dispute three times now, asserting that the merchant [ XXXX ] provided sufficient evidence that you made the purchase. I have shown that this contention is incorrect. I did not purchase this item from XXXX and it was never delivered to me. Accordingly, Apple Card/Goldman Sachs has no basis to rely upon XXXX assertions of having sufficient evidence of a purchase. \n\nThe original charge is fraudulent. Apple Card/Goldman Sachs should simply admit that someone breached their security and used my card to make a purchase without my authorization. I have asked them to close this dispute and remove the charge of {$2300.00} from my account immediately. \n\n\nTIMELINE OF EVENTS WITH SUPPORTING DOCUMENTS ( 1 ) On XX/XX/XXXX, I reached out to Apple about an unauthorized charge on my Apple card On XX/XX/XXXX, at approximately XXXX, I received a notification on my XXXX via Apple XXXX  about a purchase of {$2300.00} at XXXX XXXX XXXX XXXX Since I did not make this purchase, I immediately contacted Apple by following the prompts to open a dispute for a fraudulent charge through Apple XXXX. The system connected me with XXXX, a Goldman Sachs Specialist with the Apple Card team. \n\nAs you will see, XXXX saw that the transaction was made with my virtual card. Since I mentioned to XXXX that it was an unauthorized transaction, it was evident that she would need to replace my Virtual Card Number. I gave my permission for her to do so. \n\nIn this text conversation, I explained that I suspected fraud because I didnt recognize the transaction with XXXX XXXX a point which I repeated. XXXX stated, I understand that unauthorized transactions can be frustrating. Just know that youre never responsible for unauthorized transactions on Apple Card. \n\nIn this same text conversation, I told XXXX that as soon as I opened my dispute via the Apple XXXX I began receiving thousands of spam emails from various foreign and domestic addresses I did not recognize. I stated that I feared someone had stolen my identity. When I asked XXXX what I should do about the emails, she replied, unfortunately I cant be of much help regarding the emails. I would advised ( sic ) to disregard them. \n\nOn XX/XX/XXXX at XXXX, I called Apple Support about the onslaught of emails I was receiving. I assumed these emails were connected to a fraudulent order made with my Apple XXXX card and that my email address had been stolen. I discussed with Apples agent how someone could have gotten my email address. We also talked about how someone could have gotten my digital Apple Card information and used it to make a fraudulent charge. The agent did not have any advice about my emails, except to delete the spam email, which I did one by one over the next several days. \n\n( XXXX ) I began getting emails from XXXX and XXXX about an order I did not make On XX/XX/XXXX at XXXX, I received an email from XXXX telling me my order was on its way. The email included a picture of a camera. Since this looked like a spam email, I did not open it. \n\nOn XX/XX/XXXX at XXXX XXXX., I received an email from XXXX saying, XXXX, XXXX XXXX. Your package from XXXX is on its way. Direct Signature Required. '' The email reflected my name and correct home address : in the XXXX line and my home city in the Destination line. This was quite worrisome to me. I feared someone was trying to steal my identity or worse. \n\n( XXXX ) I noticed that the delivery address was changed from my home to a XXXX XXXX. \n\nOn XX/XX/XXXX at XXXX XXXX, I received another email from XXXX indicating a delivery date of Mon, XX/XX/XXXX before XXXX. The email said that a package was out for delivery that day to a neighboring town. I do not live in this town. In the XXXX line, this email still had my home address and the Destination line also had my home city. \n\nOn XX/XX/XXXX at XXXX XXXX, I received yet another email from XXXX. This email informed me that my package was ready for pickup but at a new location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I thought it was odd that the address would be changed. \n\n( XXXX ) I was in Texas on the day this package was delivered and picked up, so I could not have shown the required government-issued ID or sign for the package. \n\n( XXXX ) XXXX did not meet XXXX requirements for delivery of the item. \n\n( a ) XXXX has stated requirements for What to bring to pick up a package What to bring A government-issued photo ID.The shipment 's tracking number ( s ) .The recipient contact information associated with this shipment stated my name and home address. \n\n( b ) I was in XXXX XXXX, Texas from XXXX, so I could not have picked up the item and met the requirements above. \n\n( c ) Someone else picked up the package and pretended they were me. \n\nOn XX/XX/XXXX at XXXX XXXX., I received an email from XXXX telling me that a package was delivered to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, on Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX. This email incorrectly claimed that it was received by me. Again, this is impossible because I was in Texas on XX/XX/XXXX and did not return home home until XX/XX/XXXX. \n\nOn XX/XX/XXXX at XXXXXXXX XXXX, I received an email from XXXX XXXX telling me that a package was delivered. As I have stated, I never ordered anything from XXXX XXXX and could not have received any items from them. Apparently, someone else bought the item from XXXX website, paid for it with my digital Apple Card, and then had it delivered to a neutral location. They then picked it up without a government issue ID that was supposed to have been presented as a prerequisite for the pickup. \n\n( XXXX ) On XX/XX/XXXX at XXXX, I had a XXXX min phone call with the agent at XXXX XXXX dept ( XXXX XXXX XXXX XXXX ) The female agent looked up the proof of delivery and stated that XXXX has restrictions on such an item, and they were not abided by by XXXX. The agent went on to explain that XXXX, the account holder, should contact XXXX and put in a claim. She also stated that XXXX can pull this info from the XXXX website since they are the shipping account holder. She then advised me to contact XXXX, give them the physical address the item was shipped to, and have them see for themselves that XXXX did not abide by XXXX stated restrictions. \n\nThe agent also told me that a thief can call XXXX  and change the delivery address. In this case, the person who stole my Apple digital credit card ordered a camera with my card number. I assume that with my card number, they also were able to use my address, which is associated with the card. Then, the day before the camera was to be delivered, they changed the address to a neutral XXXX location. Whoever picked the item up was not able to present the correct identification required by XXXX. The agent admitted that the XXXX clerk did not follow XXXX stated protocol. She said that XXXX, because they hold the account, needs to file a complaint with XXXX, that this is how they can receive their money back. XXXX will then be able to receive their money back, since it is clear that their delivery restrictions were not abided by. \n\nThe XXXX agent ended the call by saying, XXXX works hand in hand with Apple, so this should not be difficult to resolve. \n\n( XXXX ) On XX/XX/XXXX, I spent another XXXX minutes on a phone call to Apple I spoke to XXXX and repeated our facts with the new info from XXXX. I was then transferred to XXXX, a supervisor. He informed me that he would contact the dispute team at Goldman Sachs and have them contact me. They did not do so. \n\nXXXX also suggested we call XXXX and let them know what is happening. He intimated that the Goldman Sachs team would ask me if I had done so. \n\n( XXXX ) Immeditately following this call, on XX/XX/XXXX I made a XXXX min phone call to XXXX ( XXXX XXXX XXXX ) I spoke with XXXX. XXXX looked at the shipping account for the item and noticed the change in location. He said that no one can do this legally. He said that we would hear from XXXX in XXXX or 2 days, perhaps by email. He also stated that this would take XXXX weeks to fully resolve and that he would contact Apple with this info. I received an email from XXXX ( XXXX # XXXX XXXX XXXX # XXXX ), stating : \" We have provided your case information to our security team for further review. At this time we recommend that you dispute the charges with your financial institution if you have not done so already. '' I have not heard again from XXXX. \n\n\n( XXXX ) On XX/XX/XXXX, I received a phone call from Goldman Sachs I spoke with XXXX, a customer service supervisor. He took notes, especially about the delivery and how XXXX did not follow the protocol set up by XXXX. \n\n( XXXX ) On XX/XX/XXXX, I received notice that my Apple Card transaction dispute investigation is complete and the merchant charge would remain on my account Goldman Sachs Bank USA asserts that they have re-investigated the transaction and found that no billing error occurred. Their stated reason is that they have further investigated the dispute and reviewed additional information. Their original decision was to remain because there is no evidence to substantiate the claim. \n\n( XXXX ) On XX/XX/XXXX, I began a chat with an agent who reopened the dispute. \n\n\nMy Response to XXXX XXXX On the first page of this rebuttal document, XXXX lays out their rationale. I dispute the following XXXX points : ( XXXX ) Under Customer Information : ( a ) The original purchase was made from an XXXX address in a different county. \n\nI conducted an internet search for the XXXX address XXXX captured at the time of purchase. It seems to be located in a nearby county, in a different town and zip code. Moreover, my laptops XXXX address when I am home is XXXX. This is the same location from which I saw the original notification that an unauthorized charge had been made on my digital Apple card. It is also the same location from which I made my initial contact with Apple as soon as I saw this notification. I was home and at my computer when I saw the fraudulent purchase, not in XXXX XXXX. It bears repeating that I never gave anyone authorization to make any purchase using my digital Apple card. \n\n( XXXX ) See Customer Contact : ( a ) XXXX wrongly asserts that I should have contacted them to cancel what was an unauthorized order. \n\nNo one at Apple suggested I contact XXXX to dispute this unauthorized charge. You can verify this in my communication with XXXX, the first Apple Specialist I texted on XX/XX/XXXX at XXXX. The focus of my discussions with Apple was on how someone had stolen my digital Apple Credit Card number. I was not even aware I had an account with XXXX, since I have not purchased anything from them in over a decade. \n\n( 3 ) Delivery Information : ( a ) The package was never delivered to the shipping address listed ( my home address ) XXXX  document incorrectly states that the item was delivered to the foregoing address on XX/XX/XXXX at XXXX. It was instead delivered to a XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. \n\n( b ) XXXX erroneously asserts that I signed for the package. \n\nThe attachment in XXXX rebuttal package ( see p. XXXX ) states that the package was to be delivered to XXXX XXXX at an address other than my own and that it was signed by me. As I have already stated, I was out of town and could not have signed for this package. \n\n( c ) The manner of this delivery never met the requirements laid out on page XXXX in packet # XXXX of XXXX Terms and Conditions. \n\nPage 8 states that XXXX requires a signature upon delivery. If no one was home, XXXX was supposed to make another attempt the following day. XXXX also states that if they are unable to deliver on the stated day and time, they will send nstructions to the buyer on how to collect their shipment from XXXX 's local hub within a specified time. XXXX was to make XXXX attempts to deliver the package. If they are unable to do so according to their terms and conditions, the package is to be returned to XXXX. I was not in town on the day the package was stated to be delivered. Even if I had been there, I would never have taken delivery of an item I never ordered. \n\n( XXXX ) XXXX has already admitted that XXXX protocol for delivery was not followed by the XXXX agent at their store. \n\n( XXXX ) From the very beginning of this ordeal, I reached out to Apple/Goldman Sachs in good faith. I have reported that I did not make a purchase with XXXX XXXX. I also provided evidence that I did not receive a package from XXXX XXXX. XXXX confirmed that protocol was not followed as to the package pick-up. XXXX has the opportunity to file an appeal with XXXX  and be reimbursed. \n\nConclusion Someone used my digital Apple Card to fraudulently make a purchase at XXXX XXXX. Whoever did this had my name, address, and email. They used this information to make a fraudulent purchase and then arranged for the item to be delivered to their preferred address. XXXX then allowed this thief to pick up the package without following XXXX stated protocol for package pickup. \n\nI never purchased the camera in question. As soon as I learned about it, I contacted Apple Card to dispute the charge. I was never told to contact XXXX XXXX or to cancel an order. I never made an order, so I was not even sure a purchase was really made. Since I immediately received thousands of spam emails, it appeared that someone was trying to steal my identity. \n\nSince I first reported the unauthorized charge on my digital Apple card, Apple/Goldman Sachs has not even attempted to advocate for me. Instead, Apple/Goldman Sachs has closed my dispute on three occasions, incorrectly asserting that the merchant provided sufficient evidence that you made the purchase. This is simply untrue. Not only do they have my prompt report that I did not make a purchase from XXXX XXXX, I have provided proof from XXXX and XXXX that I never received the item in question. \n\nApple/Goldman Sachs has no basis to accept XXXX account over mine regarding a package that was apparently bought and delivered to a person who was not authorized to use my digital Apple card XXXX They have taken XXXX account of what happened as the only pertinent view of the situation, thereby calling me a liar. This is unacceptable, as I am their customer. This eggregious mistake on their part also masks their responsibility to take care of their customer and keep their private information safe. \n\nApple/Goldman Sachs has never acknowledged the real problem here, which is that someone was able to use my digital Apple Card without my knowledge or authorization. Within the past year, there have been well-publicized articles about enormous security breaches regarding Apple-backed data XXXX My information was not safe from a hacker who made a purchase with my information. I will not pay for an unauthorized charge on my digital Apple card. \n\nApple/Goldman Sachs had a legal duty, a legal duty it quite clearly breached, to protect me from a hacker who made a fraudulent purchase using my card number. Although Apple and Goldman Sachs promise that they will keep the accounts of their customers safe, they have failed to do this in my case. \n\nOn XX/XX/XXXX, XXXX reported that Apple intends to terminate its collaboration with Goldman Sachs with the next XXXX XXXX XXXX months. I will be severing my relationship with both. I know of no other credit card that would allow such a large transaction ( {$2300.00} ) to be completed without notifying their customer. Apple/Goldman Sachs should have declined such a big purchase or at least asked me to authorize it. I would have declined it and an ordeal that has lasted XXXX  months so far would never have happened. Most credit card companies notify their customers for far less and this helps keep fraud under better control. I am shocked Apple/Goldman Sachs would allow such a charge on my Apple digital card in the first place. Even when I informed them immediately that I had not made this charge, they expect me to pay it in spite of the evidence I have provided that I did not receive the item. \n\nI am Apple/Goldman Sachs ' customer in good standing and with excellent credit. Their conduct is shameful. They also appear unconcerned, since the team doing the investigation has still not talked to me personally about my case and the evidence I have provided. Apple/Goldman Sachs also appear lazy. I have no idea if they ever received the investigative work I have done. I have had to advocate for myself, contacting XXXX and XXXX on my own. I have also reported this identity theft to the Federal Trade Commission ( FTC ) and have also filed a police report with the XXXX Police Department.","date_sent_to_company":"2024-05-27T20:02:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32174","tags":"Older American","has_narrative":true,"complaint_id":"9104506","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-05-27T19:04:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This is the same location from <em>which</em> I saw the original notification that an unauthorized charge had been made on my digital Apple card. It is also the same location from <em>which</em> I made my initial contact with Apple as soon as I saw this notification. I was home and at my computer when I saw the fraudulent purchase, not in XXXX XXXX. It bears repeating that I <em>never</em> <em>gave</em> anyone <em>authorization</em> to <em>make</em> any purchase using my digital Apple card."]},"sort":[10.818924,"9104506"]},{"_index":"complaint-public-v1","_id":"3749922","_score":10.628409,"_source":{"product":"Debt collection","complaint_what_happened":"After numerous attempts to have fraudulent information deleted from my credit bureau, I have requested XXXX XXXX XXXX to delete their account from my credit bureau due to inaccuracies they allege are civil. After submitting a complaint a generic response was sent back by XXXX that provided absolutely no factual information nor any valid defense to their decision to remain \" unchanged '' as they stated on their decision to falsely report information against me that was the result of credit card fraud and identity theft. XXXX XXXX  is engaging in a tactic using generic responses without actually providing proof they have investigated my claim as well as submitting information based on how they \" feel '' not what is based on fact or law. They have routinely denied my claim for this account to be removed from my credit even when presented with copies of the police report that document the fact I am the victim of fraud and identity theft and even provided them the name of the person who is the theif. Their response is that they \" feel '' the complaint is civil as the person involved is an ex-girlfriend but they fail to examine the actual laws that govern this case and prove this is not civil nor that how they \" feel '' can suddenly make the case a civil case simply because they do not wish to actually charge off an account due to this criminal activity and instead have openly and incorrectly demanded I collect the money myself. This is now how the legal system works and XXXX XXXX  is not immune to the consequences of violating the Fair Credit Billing Act or the fact that at least 4 state statutes in North Carolina directly define my situation as criminal fraud as well as two Federal  Statutes. XXXX XXXX  is not investigating in good faith or they would be able to see within minutes that the following statutes cover my case of being the victim of fraud and have no legal standing to push off my case as \" civil ''. Lastly, XXXX is making inaccurate statements that they are attributing to me in their investigation that I never made. XXXX is stating I claim this person \" handled my finances '' which is not true, XXXX has claimed in the past that I gave this person permission to use my cards, which is also false, and most recently XXXX has made the allegation that this account is a civil matter due to my request to \" pay me back '' the stolen funds, which is also untrue. I have never asked her to pay me, I instructed that she payoff the stolen cards, or face criminal charges, which is exactly what has occurred. XXXX has submitted falsified information as part of their \" investigation '' in this case which they never gathered from me, but somehow found this information in their report as if I was even spoken to about this complaint. XXXX has not spoken to me regarding this fraudulent activity since the initial filing almost two years ago and has not validated anything they reported on that investigation. They then continue to use this same misinformation and use statements against me that I never made as proof of their results of the investigation, yet refuse to take actual signed affidavit 's of fraud which I offered to them the day I filed the claim. XXXX is falsifying information and relying on fundamentally faulty information which is counter to the law. So, to provide proof once again XXXX is wrong in their claim of this being a \" civil '' matter I am attaching all relevant statutes, both state and Federal, which directly contradict statements made by XXXX XXXX. The following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. XXXX a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 ) Obtains money,  goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of five hundred dollars ( {$500.00} XXXX, or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or ( 3 ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently  obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed five hundred dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds five hundred dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both Because these charges were made by someone without my knowledge and without my permission and criminal felony charges were taken out, my account is covered under the legal definition of fraudulent activity and must be deleted under the XXXX guarantee of zero fraud guarantee protection. Any attempt to call this civil is a direct violation of my rights under the Federal protection of the Fair Credit Billing Act as well as the North Carolina General Statutes.\n\nI have brought up this same issue directly with the credit agencies Experian and Equifax who have also failed to do their due diligence in verifying the information is valid. I have asked for copies of their investigation of how they arrived at the decision that the information provided was accurate after sending copies of the police report and filing identity theft and credit card theft against the perpetrator. All I ever received is a false promise by telephone through an agent that it would be received within 30 days. This was in XX/XX/XXXX and I have yet to receive any validated documentation on their \" investigation '' as there is none to provide. I personally believe that they are simply taking the false information that XXXX XXXX XXXX is providing and simply stating \" Ok, that's what we will put on his credit '' and not actually completing any investigation to verify the validity of the information they are reporting. A police report for identity and credit card theft that includes their account should be more than enough evidence that what XXXX XXXX XXXX is sending them is the result of fraud and Identity theft as the police report states. I would welcome the company contacting the police department and speaking to someone in investigations as well and verifying the report is genuine and the result of me being a victim of fraud and credit card theft as well as identity theft. Lastly, I have attached copies of the above referenced statutes that nullify XXXX XXXX XXXX 's claim that I owe money because they \" feel '' an ex girlfriend stealing credit cards is civil. XXXX XXXX XXXX is intentionally making false claims that were never made on my behalf. I never provided my credit cards voluntarily to allow the ex girlfriend to use them, I never agreed to allow her access to them, I never provided her with my account information. All of these statements by XXXX XXXX were made by them, they were never made by me. They \" assumed '' that is what occurred according to the initial investigator. XXXX XXXX XXXX can not provide ANY documentation or statements from me that say otherwise because it never happened. I was stolen from and my accounts were used fraudulently. This account is the result of that fraud and I have followed all chains of command and provided all requested documentation to provide this proof of fraudulent activity. As stated in the provided North Carolina laws as well as Federal Laws, I am the victim of fraud, the crimes committed against me are felony charges and the proper authorities have been notified and charges have been filed as you can see in the attached police report. There should be no other reasons why this account remains on my credit needlessly damaging my credit report unless it is an intentional act. Refusal to remove this from my credit bureau with fully verifiable information showing the activity is fraud will result in additional action through the court system seeking damages under the fair credit reporting act as well as requesting punitive damages in addition to any court ordered restitution. I have requested this removal of incorrect information more than a dozen times over the past two years and no one has once contacted me through any investigation or made any more of an effort than to simply respond with \" verified by account holder ''. That is not an investigation, that is a copy an paste job of incorrect information. This account must be deleted immediately.","date_sent_to_company":"2020-07-17T13:09:03.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3749922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-17T13:05:40.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX is intentionally making false claims that were <em>never</em> made on my behalf. I <em>never</em> provided my credit cards voluntarily to allow the ex girlfriend to use <em>them</em>, I <em>never</em> agreed to allow her access to <em>them</em>, I <em>never</em> provided her with my account information. All of these statements by XXXX XXXX were made by <em>them</em>, they were <em>never</em> made by me. They \" assumed '' that is what occurred according to the initial <em>investigator</em>."]},"sort":[10.628409,"3749922"]},{"_index":"complaint-public-v1","_id":"3100972","_score":10.505916,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The Credit Card Company issued this card was : BARCLAYS BANK through their agreement with XXXX XXXX. \n\nOn XX/XX/XXXX, I received a letter from BARCLAYS BANK telling me that they had permanently closed my VISA Card as a decision was made internally that I was \" too risky of a customer to have an Active Line of Credit ''. \n\nIn spite of the fact that I would make monthly payments to this very card, sometimes up to three-times a month, of $ 700+ on top of the minimum payment required. The entire situation happened after I withdrew cash from an ATM, as allowed by BARCLAYS BANK, to cover an emergency expense at the time. \n\nBARCLAYS could not articulate to me the reason why they were charging me, several times, APR interest on purchases and money retrieved from ATMs. The last person I talked to explained that BARCLAYS calculated my interest for the Month at the end of the cicle ( when my Statement closed for the Month ), however, as I shown to this lady, well after getting my interest added in my Account I would continue to get hit with more interest charges which put my balance well-above the 'Credit Limit '. \n\nBARCLAYS accused me of being an irresponsible customers for allowing my Balance to go 'above the limit ' for several months in a row. I showed them, to no success, that the charges caused this anomaly were the strange APR Interest calculations added to my Account, sometimes up to 4 times during the same Month. At the time of their letter and closure I wasn't purchasing anything with the card attempting to lower such Balance, however for every {$700.00} I would inject into my Balance as payment ; BARCLAYS BANK would then apply 2-4 \" APR Interest Charges '' which were labelled on my Statement as \" Administrative Charges ''. Nobody ever helped me understand this and I ultimately paid the price which severely impacted my 'Credit Report/Score '. \n\nThere are 2 elements which are disturbing about this particular experience : 1.  BARCLAYS BANK would \" delete '' items from my Monthly Statement, like those numerous 'Administrative Charges ' kept on being added to my already-above-limit Balance. However, their manipulation of data would not be reflected on my smartphone Official App where I could still see how BARCLAYS BANK ( after the Month cycle had closed and APR was added to my Statement ), they would continue to charge me with {$250.00} over and over again. At this time, the Card was not being used by me as I was only paying my Monthly which, every time for one day, would reflect I was well below my Credit Limit only to return back to 'Above Limit ' shortly after. \n\nBARCLAYS BANK argued with me that the APR charges for taking money out of ATMs was calculated differently and each of the {$250.00} I saw were related to the ONE-TIME I took money ( {$600.00} ) out through an ATM. I disputed this explanation suspecting fraud and was never contacted again by anyone at Corporate.\n\n2. The very month my Credit Card was closed by BARCLAYS BANK a bizarre situation happened where I had scheduled a {$800.00} payment through the App, confirmed it on the website was reflected for the month of XXXX plus paying another {$380.00} was the minimum due at the time. \n\nI had checked my Bank Account and I had more than enough money in my Checking Account to cover such payments. The day it was supposed to be processed, BARCLAYS BANK blocked my Bank 's Transaction ( money was deducted from my Checking Account as it was greyed out as 'Pending ' ). This block continued for 48 Hours until XXXX XXXX, when I called my Customer Service Department, told me that BARCLAYS had denied the transaction and the money was supposed to return back.\n\nDuring this 48 Hours period where BARCLAYS BANK told me to wait, as it could have been just a minor glitch from their system, someone decided to close my Account Permanently. Not happy with that, they kept the money was supposed to be my Monthly Payment and added it to the 'owed Balance for my closed Account '. Later on, to my surprise, I read on the letter the reason for closure had to do with my over the limit balance and inability to make a payment on-time for that very Month. \n\nEver since this disturbing experience I have suspected a foul move by BARCLAYS BANK which impacted me as a consumer. Ever since I got this Credit Line, I would always make on-time payments where the minimum was {$700.00}. In fact, during my vacation in XXXX XXXX on XX/XX/XXXX, I paid BARCLAYS BANK up to {$2500.00} as \" Payments '' to cover all my shopping and expenses at the time. I was never a delinquent customer, nor someone struggled to make the minimum payment to them. \n\nOn XX/XX/XXXX ( months after this situation ) I received a letter letting me know I was part of a CIVIL ACTION LAWSUIT against BARCLAYS BANK, especially related to my VISA Card approved through XXXX XXXX XXXX. On this letter, I was informed that BARCLAYS BANK had violated my rights under the 'Fair Credit Act ' by enacting actions ultimately were aimed at protecting the Bank itself while hurting my Credit Score.\n\nEver since this letter, I have been making my payments to BARCLAYS BANK every single month without miss as I setup the 'Automated Payment Option '. On top of that, I have made additional payments to reduce the Balance on the Credit they gave me which, up until XX/XX/XXXX continued to show ( through my Statements ) activity by BARCLAYS BANK attempting to charge me more 'Administrative Fees '. These were essentially rendering my Monthly payments on a 'Closed Account ' NULL as they would eat the money with these fees. In fact, I confronted BARCLAYS on XXXX, XXXX as I did not understand why they were charging me with 'Interest on Purchases ' on an Account had been closed since XXXX. Furthermore, I showed evidence of the many charges applied by BARCLAYS to my Account which forced my Balance to remain 'Above Credit Limit '. Once again, I was promised somebody would call me ( at the Director Level ) to discuss this discrepancies. Nobody ever called. After this phone call, the strange charges disappeared and my Statements, today, reflect a 'Closed Account ' where the customer ( Myself ) is paying every month well-above the 'Minimum Due '.\n\nI feel BARCLAYS BANK abused of me as a customer and even with a CIVIL ACTION LAWSUIT in place, they continued to rob me of my money utilizing \" made-up '' policies and fees should not, in reality, have happened in the first place. \n\nI would like for the Consumer Financial Protection Bureau to assist me in investigating this scheme resulted in my Credit Score being severely damaged as I firmly believe BARCLAYS BANK had no grounds to do all they did to me.\n\nIn addition, as a resolution to this matter ( now my Account is well-below my Credit Limit ) I would like BARCLAYS BANK to reconsider and re-open my Account.\n\nI should have never lost my VISA Credit Card as I was an exemplary customer paid more than four-times his 'minimum due ' each Month, on time. Even more, on XX/XX/XXXX I brought my Balance to XXXX. All this is recorded in my History with the VISA Credit Card Number they issued to me, in no way ( in my personal, humble opinion ) I ever demonstrated the level of deliquency/irresponsibility BARCLAYS BANK claimed as the prime reason for their decision to permanently closed my Account. \n\nI'm writing to you because BARCLAYS BANK is now throwing me in 'limbo ' as no agent from their Customer Service Department can help me as my Account, according to them, can not be accessed through their system. Therefore, as they have shown me I'm at the mercy of more irregularities, fraud and unfair practices masked by an alleged system where I, no longer, appear as a 'Customer of the Bank '. \n\nYou have my full authorization ( XXXX XXXX XXXX XXXX on XX/XX/XXXX ) to contact BARCLAYS BANK with these facts and my proposed resolution, especially after they were sued for violating the 'Fair Credit Act ' Guidelines.\n\nMy Account Number with BARCLAYS is : XXXX XXXX XXXX XXXX My Credit Line is at : {$8900.00} ( I started with {$2000.00} and BARCLAYS BANK rewarded me with increases due to my 'Payment History ' ). \n\nMy APR is at : 24.99 % and cash-advance APR is at : 27.24 % I hope you can help me with this problem has caused me a great deal of stress since that XXXX in XXXX when BARCLAYS BANK decided, unilaterally, to close my Account in spite of the fact I was in perfect standing with them ( Payment History ). \n\nSincerely yours, XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX","date_sent_to_company":"2018-12-18T13:56:57.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"08096","tags":null,"has_narrative":true,"complaint_id":"3100972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2018-12-14T21:23:33.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I was <em>never</em> a delinquent customer, nor someone struggled to <em>make</em> the minimum payment to <em>them</em>. \n\nOn XX/XX/XXXX ( months after this situation ) I received a letter letting me know I was part of a CIVIL ACTION LAWSUIT against BARCLAYS BANK, especially related to my VISA Card approved through XXXX XXXX XXXX."]},"sort":[10.505916,"3100972"]},{"_index":"complaint-public-v1","_id":"8540983","_score":10.443285,"_source":{"product":"Credit card","complaint_what_happened":"I made a reservation with my CITI Thank You Preferred card on XX/XX/XXXX. I recieved a special offer with CITI Travel ( a partner with CITI ) I made three separate reservations for XXXX XXXX in XXXX XXXX, FL from XX/XX/XXXX - XX/XX/XXXX under the names XXXX XXXX and XXXX XXXX. The charges were {$570.00} x 2 for each room and {$550.00} for one room. Total charges {$1600.00}. We had a total of nine people traveling with us ( XXXX adults and XXXX children ). My sister, XXXX arrived prior to my family arriving and we gave phone authorization for her to get the keys. When we finally arrived, we were shocked that this property was not a hotel, but it was a motel that was attached to a liquor store. The pictures shown on CITI travel website were not accurate of the desription when we made the reservation. We quickly made a decision that we would not stay here due to safety and security of traveling with XXXX children. We went to the front desk to return the keys that were given to my sister. We explained to the agent that we would not be staying there since the place was not as described on their website. We did not feel safe with XXXX children in our group. We requested a refund but the agent told us since it was booked through a third party ( CITI Travel via XXXX ) we needed to contact them with any refund requests. We filed a dispute the same afternoon via chat ( see letter date ). After five days, we called our CITI credit card and explained our unfortunate circumstance. We called on XX/XX/XXXX to follow up with our claim and they told us they needed more information, then representative to call CITI travel to resolve our issue. We called the same day and they opened a ticket to request a refund on our behalf due to our experience. We received a letter on XX/XX/XXXX denying our refund request due to the property 's cancellation policy. We called CITI again on XX/XX/XXXX to continue our dispute and they told us to send an email to tell them what happened. We sent our email on XX/XX/XXXX and followed up again on XX/XX/XXXX to make sure everything was received and they told us all was received and they needed some time to conduct an investigation into this matter. We received an email on XX/XX/XXXX in regard of our billing dispute. The letter was dated XX/XX/XXXX denying all the disputes. We sent another email on XX/XX/XXXX with attached pictures of XXXX XXXX. We called CITI again and spoke with supervisor XXXX and we explained our whole situation again and he stated that the dispute was opened incorrectly, it should of been inaccurate description/services not rendered. He confirmed that he would change all disputes moving forward for all three disputes and it will take a few days. We called again on XX/XX/XXXX to follow up and spoke with supervisor XXXX and he confirmed that the information was now correctly submitted and was still in the investigation process, even though we received a letter from CITI again denying our disputes on XX/XX/XXXX, per his conversation all the disputes still under review. Then, we recieved another letter on XX/XX/XXXX with denials again. We called CITI again on XXXX and spoke with XXXX XXXX who then stated the dispute type was never changed and then told us to call CITI travel again to make a correction with them first due to them denying it because of cancellation policy. He transferred me to CITI travel without explaining the situation to the other agent, which was very maddening and unprofessional. At that time I requested to speak to a CITI travel manager/supervisor to speak with but was told they were not available and they would call me back within 15 minutes. I STILL have not received a call back as of typing this letter. Again, very unprofessional. I called CITI bank back again and requested to speak to a manager and they stated that I would receive a call within 48 hrs. Again, still no call back. I called CITI travel again on XX/XX/XXXX and spoke with XXXX and I again, explained the whole situation and she was going to re submit the refund request with the correct information. On XX/XX/XXXX we received yet another denial email due to the same reason ( cancellation policy ). I called CITI bank on XX/XX/XXXX as well to explain that CITI travel was going to send another request. I spoke XXXX and she re-opened the request for these same 3 disputes with the updated dispute type ( desciption of/services not rendered instead of cancellation policy ) and she said it would take 7-10 business days for a resolution. After receiving CITI travel denial email on XX/XX/XXXX we called CITI bank on XX/XX/XXXX and spoke with XXXX and she stated that they are sending my case to a \" higher up '' and we would have wait another 7-10 business days. Finally, on XX/XX/XXXX we received another denial letter for all our disputes stating that our initial dispute stated that we canceled the merchandise or services, and our recent response states that not as a described, when we opened those disputes we explained what happened and CITI decided the reason was canceled services, even though we explained the reason why we didn't stay in that property, now my credit card has a total charges of {$1600.00} which those charges were now reversed to my credit card as of XX/XX/XXXX ( first dispute letter denial ) After many attempts they are still denying our dispute with the same reason ( cancellation policy ) and never changed to the correct info ( description of/services not rendered ).","date_sent_to_company":"2024-03-13T16:13:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"34639","tags":null,"has_narrative":true,"complaint_id":"8540983","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-03-13T15:33:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["We called CITI again on XXXX and spoke with XXXX XXXX who then stated the dispute type was <em>never</em> changed and then told us to call CITI travel again to <em>make</em> a correction with <em>them</em> first due to <em>them</em> denying it because of cancellation policy. He transferred me to CITI travel without explaining the situation to the other agent, <em>which</em> was very maddening and unprofessional."]},"sort":[10.443285,"8540983"]},{"_index":"complaint-public-v1","_id":"7605838","_score":10.289278,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have to attach a copy of the letter In sent to Citibanl which explains my problems. \n1. ) My balance may be low in my account but it is a positive balance. I have several debit transactions \" pending ''. I base my account balance on what my app says is my \" available balance '' which is supposed to include amounts for all pending transactions. They are pending anywhere from 3-7 days. Routinely. They post on the day I get my paycheck deposited. They post, Citibank then adds them as posted transactions but they are being deducted twice from the balance of my checking account. Citibank allows several transactions to be paid although they overdraw my account. This month. I was overdrawn by approx. {$900.00} from debits Citibank made from my account, paying them back for provisional credits they gave me from XX/XX/2023 through XX/XX/2023. I filed a dispute for unauthorized mobile purchases- sign based going back to XX/XX/2023. I saw several transactions to the same XXXX stated as a \" debit wallet authorization '' or a \" mobile purchase-sign based ''. I was told by the Citibank XXXX That there was a difference as one payment method was done putting my debit card number directly on the XXXX 's website for payment, and the other from a mobile or digital wallet. I do not use a mobile wallet. The main XXXX where these mobile transactions took place do not accept mobile wallet or third party mobile wallets for payment. I had been watching my transactions closely on my statements since around XXXX. What caught my attention was the fact that I had made purchases online to a XXXX XXXX for coin packages. There were transactions made often enough for me to notice that were for {$50.00} and there would be 2-4 transactions occurring 2-4 minutes exactly for the same amount. It would be next to impossible to purchase a coin package of {$50.00}, go back to the game you were playing at usually no more than {$1.00} a spin, and run out of coins in 3 minutes and go and purchase another. I checked my statement transactions against the XXXX 's record of my transactions and they matched. I did not think I spent that much. From XXXX XXXX, 2023 statement records showed an increase in mobile wallet transactions. On the XXXX statement, there were XXXX of a page showing transactions made to one XXXX on XX/XX/2023 alone. I could not afford to spend that much. My total debits at the end of that statement period were {$11.00}, XXXX and credits for the month were {$11.00}, XXXX. I only make {$4000.00} a month. This statement did include provisional credits for a dispute I filed for unauthorized transactions. My last XXXX statements are a mess. Transactions are out of order. They are grouped into amount of transactions, not by date and time so it is difficult to keep track of or figure out suspicious transactions. I sense that I am being double charged for my debit card transactions. They tell me that the date the transactions post is the day the XXXX picks up the payment and led me to believe that they then deduct the amount of the transaction from my balance. I always thought when the bank gets the transactions, they are deducted from my account at that time and funds set aside for 10 days. It looks to me like the XXXX gets paid. The transactions stay pending until I get a deposit in my account. They then post the transactions. They allow several transactions to be processed that overdrew my account. Then my mortgage payment is returned for insufficient funds. My last check on XX/XX/2023 for {$3000.00} was deposited. All the debits for provisional credits I had received were debited from my account along with {$1000.00} in unauthorized ACH withdrawals that occurred after I filed the disputes on XX/XX/2023, without my knowledge or consent and while they had a block on my account. One of the XXXX withdrew {$1600.00} from my account when they received the charge back items that were numerous They refunded {$550.00} of that amount but refused to refund the remaining {$1000.00} due to the increased workload it put on his company. Each transaction corresponded with legitimate credit they made to my account for XXXX winnings dating back to XX/XX/2023. My paycheck for {$3000.00} was deposited right after Midnight that morning. They put a block on my account and I was unable to access my money to pay bills. The bank gave me {$1000.00} in provisional credits for these unauthorized transactions. They debited my account for that amount also along with a disputed transaction of {$300.00} from a transaction that originated on XX/XX/2023 that I received provisional credits for. That was close to or more than {$1500.00} of my check. My house payment was returned for insufficient funds as it overfrew my account by {$210.00}. The mortgage payment was added back into my balance and i then, once again, had a positive balance of {$430.00}. I am still trying to find out if my mortgage payment was made. \nOn XX/XX/2023, i filed a dispute for unauthorized mobile purchases sign based going back to XX/XX/2023. There were several. The Citibank XXXX did not go over each individual transaction but there were several. He gave me XXXX claim nos., filled out the dispute information himself and filed the dispute. In my letter, I stated there was a mathematical error in calculating the total amount of the credits given to me on XX/XX/2023 alone. Their calculations show provisional credits of {$2100.00}. I added them up manually and my total was approximately {$3300.00}, a discrepancy of {$1100.00} which has not been credited back to my balance. That would have helped with my mortgage payment. \nI sent my Appeal letter to Citibank in XXXX XXXX, S.D. on Friday. On Saturday, I saw they had placed a block on my account. I can not access any information. I can not download my XXXX statement to give you a total amount of all debits that I had to refund them for provisional credits given. They found in favor of the XXXX as I did not provide sufficient documentation to support my claim. The XXXX. I spoke to said my checking account was set to be closed. She could not give me any information about my account. She said I would receive a letter. In XXXX days from Citibank as to why. I asked if they received my Appeal of their decision in XXXX disputes. XXXX {$1000.00} of unauthorized XXXX withdrawals they allowed to be processed to a XXXX on XX/XX/2023 after several provisional credits were given to me and my social security check had bern deposited and I could not gain access to my money to pay bills. But Citibank allowed a XXXX to withdraw these funds from my checking account without my knowledge or permission. They had given me provisional credits for that amount then debited {$1000.00} on XXXX XXXX for the provisional credits paid they say I owed the bank. Citibank is liable for repayment to me for these funds. The transactions are still in dispute and have not been refunded to mr. As stated, the XXXX refused to refund that amount to me. They have not had to pay for any chargebacks. However, on XX/XX/2023 when I discovered the block on my account and was denied access to my money, I called Citibank. The XXXX. Informed me that there were XXXX separate investigations going on. XXXX had XXXX transactions, the second XXXX and the third XXXX. I was shocked as I did not realize there were that many. I told the XXXX Just to cancel my dispute as I could not wait a month or XXXX for them to lift the block on my account so I could pay my bills. I received a notice from Citibank stating they received my cancellation of that dispute. The notice said I received {$100.00} in provisional credits that they would debit from my account Citibank continued with their investigation of this dispute after I cancelled it. Recently, they said I had cancelled my dispute of the unauthorized XXXX withdrawals on that day. I did not even know about them at that time. Those are also still in dispute and now the minimum of {$1100.00} that has not been credited to my account yet due to Citibank 's mathematical error. The whole statement needs to be recalculated as I suspect there are more mathematical errors in their favor that they need to credit or pay me for. \nThe XXXX Today did not answer my questions about the Appeal and the extra money they owe me from investigating a dispute for which I received one notice and one claim no. For each individual transaction. They wanted me to write down each claim no. For approx. 200 transactions. I am still working on it to submit to them. They know i presume that that is a time consuming chore. These notices came after I had cancelled my dispute and they continued their investigation. It is obvious that these transactions were fraud or not mine as almost all of the notices state \" This notice is to inform you that our investigation of this transaction made from YOUR DEVICE WITH CARD ENDING IN XXXX found in favor of the Merchant and we will be deducting the provisional credit we gave you on _____date in $ XXXX. I told them I do not have any debit cards or credit cards ending in XXXX and never have. The notice states tge transaction was for an account ending in XXXX and my account does not end in that. \nBasically. I was told that my account will be closed in 60 days. Why it takes that long is beyond me. I do not think they were planning on reviewing my disputes. I was told that at the end of 60 days, they will refund me all deposits made to my account during those 60 days. I told her I could not wait 2 months for my money. I can not see the activity going on on my account. It bothers me that my income is depodited into this account and they can continue to charge me debits for provisional credits that I know were from unauthorized transactions. I fear that they will claim that I owed them most of my paycheck due to refunds I owe them from credits given here or there and they will take most of it. I have mo control over it. I mentioned the math error and refunding the amounts they claim their investigation could not find sufficient evidence to pay for, and i think they are responsible for the XXXX withdrawals they processed without my consent or knowledge and while my account had a block on it.","date_sent_to_company":"2023-09-26T08:24:00.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"93619","tags":"Older American","has_narrative":true,"complaint_id":"7605838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-09-26T06:02:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["It is obvious that these transactions were fraud or not mine as almost all of the notices state \" This notice is to inform you that our <em>investigation</em> of this transaction made from YOUR DEVICE WITH CARD ENDING IN XXXX found in favor of the Merchant and we will be deducting the provisional credit we <em>gave</em> you on _____date in $ XXXX. I told <em>them</em> I do not have any debit cards or credit cards ending in XXXX and <em>never</em> have."]},"sort":[10.289278,"7605838"]},{"_index":"complaint-public-v1","_id":"3738780","_score":9.974818,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After numerous attempts to have fraudulent information deleted from my credit bureau, I have requested XXXX XXXX XXXX to delete their account from my credit bureau due to inaccuracies they allege are civil. \n\nAfter submitting a complaint a generic response was sent back by XXXX that provided absolutely no factual information nor any valid defense to their decision to remain \" unchanged '' as they stated on their decision to falsely report information against me that was the result of credit card fraud and identity theft. \n\nXXXX XXXX is engaging in a tactic using generic responses without actually providing proof they have investigated my claim as well as submitting information based on how they \" feel '' not what is based on fact or law. They have routinely denied my claim for this account to be removed from my credit even when presented with copies of the police report that document the fact I am the victim of fraud and identity theft and even provided them the name of the person who is the theif. Their response is that they \" feel '' the complaint is civil as the person involved is an ex-girlfriend but they fail to examine the actual laws that govern this case and prove this is not civil nor that how they \" feel '' can suddenly make the case a civil case simply because they do not wish to actually charge off an account due to this criminal activity and instead have openly and incorrectly demanded I collect the money myself. This is now how the legal system works and XXXX XXXX is not immune to the consequences of violating the Fair Credit Billing Act or the fact that at least 4 state statutes in North Carolina directly define my situation as criminal fraud as well as two Federal Statutes. \n\nXXXX XXXX is not investigating in good faith or they would be able to see within minutes that the following statutes cover my case of being the victim of fraud and have no legal standing to push off my case as \" civil ''. \n\nLastly, XXXX is making inaccurate statements that they are attributing to me in their investigation that I never made. XXXX is stating I claim this person \" handled my finances '' which is not true, XXXX has claimed in the past that I gave this person permission to use my cards, which is also false, and most recently XXXX has made the allegation that this account is a civil matter due to my request to \" pay me back '' the stolen funds, which is also untrue. I have never asked her to pay me, I instructed that she payoff the stolen cards, or face criminal charges, which is exactly what has occurred. XXXX has submitted falsified information as part of their \" investigation '' in this case which they never gathered from me, but somehow found this information in their report as if I was even spoken to about this complaint. XXXX has not spoken to me regarding this fraudulent activity since the initial filing almost two years ago and has not validated anything they reported on that investigation. They then continue to use this same misinformation and use statements against me that I never made as proof of their results of the investigation, yet refuse to take actual signed affidavit 's of fraud which I offered to them the day I filed the claim. XXXX is falsifying information and relying on fundamentally faulty information which is counter to the law. So, to provide proof once again XXXX is wrong in their claim of this being a \" civil '' matter I am attaching all relevant statutes, both state and Federal, which directly contradict statements made by XXXX XXXX. \n\nThe following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. ( a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 )  Obtains money, goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of XXXX XXXX dollars ( {$500.00} ), or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or ( 3 ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed five hundred dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds XXXX XXXX dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both Because these charges were made by someone without my knowledge and without my permission and criminal felony charges were taken out, my account is covered under the legal definition of fraudulent activity and must be deleted under the Chase guarantee of zero fraud guarantee protection. Any attempt to call this civil is a direct violation of my rights under the Federal protection of the Fair Credit Billing Act as well as the North Carolina General Statutes.","date_sent_to_company":"2020-07-10T16:00:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3738780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-10T16:00:39.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["They then continue to use this same misinformation and use statements against me that I <em>never</em> made as proof of their results of the <em>investigation</em>, yet refuse to take actual signed affidavit 's of fraud <em>which</em> I offered to <em>them</em> the day I filed the claim. XXXX is falsifying information and relying on fundamentally faulty information <em>which</em> is counter to the law."]},"sort":[9.974818,"3738780"]},{"_index":"complaint-public-v1","_id":"3738781","_score":9.947054,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After numerous attempts to have fraudulent information deleted from my credit bureau, I have requested XXXX XXXX XXXX to delete their account from my credit bureau due to inaccuracies they allege are civil. \n\nAfter submitting a complaint a generic response was sent back by XXXX that provided absolutely no factual information nor any valid defense to their decision to remain \" unchanged '' as they stated on their decision to falsely report information against me that was the result of credit card fraud and identity theft. \n\nXXXX XXXX is engaging in a tactic using generic responses without actually providing proof they have investigated my claim as well as submitting information based on how they \" feel '' not what is based on fact or law. They have routinely denied my claim for this account to be removed from my credit even when presented with copies of the police report that document the fact I am the victim of fraud and identity theft and even provided them the name of the person who is the theif. Their response is that they \" feel '' the complaint is civil as the person involved is an ex-girlfriend but they fail to examine the actual laws that govern this case and prove this is not civil nor that how they \" feel '' can suddenly make the case a civil case simply because they do not wish to actually charge off an account due to this criminal activity and instead have openly and incorrectly demanded I collect the money myself. This is now how the legal system works and XXXX XXXX is not immune to the consequences of violating the Fair Credit Billing Act or the fact that at least 4 state statutes in North Carolina directly define my situation as criminal fraud as well as two Federal Statutes. \n\nXXXX XXXX is not investigating in good faith or they would be able to see within minutes that the following statutes cover my case of being the victim of fraud and have no legal standing to push off my case as \" civil ''. \n\nLastly, XXXX is making inaccurate statements that they are attributing to me in their investigation that I never made. XXXX is stating I claim this person \" handled my finances '' which is not true, XXXX has claimed in the past that I gave this person permission to use my cards, which is also false, and most recently XXXX has made the allegation that this account is a civil matter due to my request to \" pay me back '' the stolen funds, which is also untrue. I have never asked her to pay me, I instructed that she payoff the stolen cards, or face criminal charges, which is exactly what has occurred. XXXX has submitted falsified information as part of their \" investigation '' in this case which they never gathered from me, but somehow found this information in their report as if I was even spoken to about this complaint. XXXX has not spoken to me regarding this fraudulent activity since the initial filing almost two years ago and has not validated anything they reported on that investigation. They then continue to use this same misinformation and use statements against me that I never made as proof of their results of the investigation, yet refuse to take actual signed affidavit 's of fraud which I offered to them the day I filed the claim. XXXX is falsifying information and relying on fundamentally faulty information which is counter to the law. So, to provide proof once again XXXX is wrong in their claim of this being a \" civil '' matter I am attaching all relevant statutes, both state and Federal, which directly contradict statements made by XXXX XXXX. \n\nThe following State of North Carolina Statutes define the charges made by the ex on my credit card as fraud : 14-113.9. Financial transaction card theft. ( a ) A person is guilty of financial transaction card theft when the person does any of the following : ( 1 ) Takes, obtains or withholds a financial transaction card from the person, possession, custody or control of another without the cardholder 's consent and with the intent to use it ; or who, with knowledge that it has been so taken, obtained or withheld, receives the financial transaction card with intent to use it or to sell it, or to transfer it to a person other than the issuer or the cardholder 14-113.13. Financial transaction card fraud. ( a ) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services or anything else of value, or any another person, he ( 1 ) Uses for the purpose of obtaining money, goods, services or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of G.S. 14-113.9 or 14-113.11 or a financial transaction card which he knows is forged, altered, expired, revoked or was obtained as a result of a fraudulent application in violation of G.S. 14-113.13 ( c ) ; or ( 2 ) Obtains money, goods, services, or anything else of value by : a. Representing without the consent of the cardholder that he is the holder of a specified card ; or b. Presenting the financial transaction card without the authorization or permission of the cardholder ; or c. Representing that he is the holder of a card and such card has not in fact been issued ; or d. Using a financial transaction card to knowingly and willfully exceed : 1. The actual balance of a demand deposit account or time deposit account ; or 2. An authorized credit line in an amount which exceeds such authorized credit line in the amount of XXXX XXXX dollars ( {$500.00} ), or fifty percent ( 50 % ) of such authorized credit line, whichever is greater ; or XXXX XXXX ) Obtains control over a financial transaction card as security for debt ; or ( 4 ) Deposits into his account or any account, by means of an automated banking device, a false, fictitious, forged, altered or counterfeit check, draft, money order, or any other such document not his lawful or legal property ; or ( 5 ) Receives money, goods, services or anything else of value as a result of a false, fictitious, forged, altered, or counterfeit check, draft, money order or any other such document having been deposited into an account via an automated banking device, knowing at the time of receipt of the money, goods, services, or item of value that the document so deposited was false, fictitious, forged, altered or counterfeit or that the above deposited item was not his lawful or legal property 14-113.11. Forgery of financial transaction card. ( a ) A person is guilty of financial transaction card forgery when : ( 2 ) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card ; 14-113.15. Criminal receipt of goods and services fraudulently obtained. A person is guilty of criminally receiving goods and services fraudulently obtained when he receives money, goods, services or anything else of value obtained in violation of G.S. 14-113.13 ( a ) with the knowledge or belief that the same were obtained in violation of G.S. 14-113.13 ( a ). Conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S. 14-113.17 ( a ) if the value of all the money, goods, services and anything else of value, obtained in violation of this section, does not exceed XXXX XXXX dollars ( {$500.00} ) in any six-month period ; conviction of criminal receipt of goods and services fraudulently obtained is punishable as provided in G.S . 14-113.17 ( b ) if such value exceeds XXXX XXXX dollars ( {$500.00} ) in any six-month period. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1. ) 14-113.17. Punishment and penalties. ( b ) A crime punishable under this Article is punishable as a Class I felony. ( 1967, c. 1244, s. 2 ; 1979, c. 741, s. 1 ; c. 760, s. 5 ; 1993, c. 539, ss. 55, 1183 ; 1994, Ex. Sess., c. 24, s. 14 ( c ). The Federal Statutes which also confirm the actions against me as criminal fraud are as follows : 15 U.S.C. 1644 - U.S. Code - Unannotated Title 15. Commerce and Trade 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( d ) Receipt, concealment, etc., of goods obtained by use of card Whoever knowingly receives, conceals, uses, or transports money, goods, services, or anything else of value ( except tickets for interstate or foreign transportation ) which ( 1 ) within any one-year period has a value aggregating {$1000.00} or more, ( 2 ) has moved in or is part of, or which constitutes interstate or foreign commerce, and ( 3 ) has been obtained with a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card ; or ( f ) Furnishing of money, etc., through use of card Whoever in a transaction affecting interstate or foreign commerce furnishes money, property, services, or anything else of value, which within any one-year period has a value aggregating {$1000.00} or more, through the use of any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both Because these charges were made by someone without my knowledge and without my permission and criminal felony charges were taken out, my account is covered under the legal definition of fraudulent activity and must be deleted under the XXXX guarantee of zero fraud guarantee protection. Any attempt to call this civil is a direct violation of my rights under the Federal protection of the Fair Credit Billing Act as well as the North Carolina General Statutes.","date_sent_to_company":"2020-07-10T16:00:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3738781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-07-10T16:00:39.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["They then continue to use this same misinformation and use statements against me that I <em>never</em> made as proof of their results of the <em>investigation</em>, yet refuse to take actual signed affidavit 's of fraud <em>which</em> I offered to <em>them</em> the day I filed the claim. XXXX is falsifying information and relying on fundamentally faulty information <em>which</em> is counter to the law."]},"sort":[9.947054,"3738781"]},{"_index":"complaint-public-v1","_id":"7950977","_score":9.844085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX XXXX XXXX and Experian on any of my consumer report to provide and exchange any information to each other. \nExperian is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY. \nAccount Name XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - DELETED INDEFINITELY AND IMMEDIATELY. \nA year ago I sent Experian a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge. \nPer 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY. \nThis account is not with XXXX XXXX XXXX XXXX exchanged my personal information WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies Experian, XXXX XXXX, XXXX with dates, balances, and account statues as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Experian is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \nPer the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXXXXXX XXXX XXXX XXXX or Experian, the permission Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. \n26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged. \nWhen a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT. \nAs clearly being stated here this alleged debt that XXXXXXXX XXXX XXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. Experian is wrong for reporting such debt because this is income under 26 U.S.C. 6050P and the IRS section 6050P. EXPERIAN IS TO DELETE THIS ACCOUNT IMMEDIATELY. \nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \nXXXX XXXX XXXX XXXX or Experian to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \nPer 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXXXXXX XXXX XXXX by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. Experian and XXXX XXXX XXXX XXXX  is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice Experian and XXXX XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that Experian and XXXX XXXX XXXXXXXX XXXX  is abusing and violating. \nIn XXXX XXXX XXXXXXXX XXXX XXXX My application and account is made into a asset back security due to them filing with the sec a asset back securitizer XXXX XXXX XXXX is taking my Principal amount and securities interest is being deposited in to their trust. My application and account was already sold and transferred according to their XXXX XXXXXXXX REPORT. \nRule 15Ga-2 under the Exchange Act ( 17 CFR 240.15Ga-2 ) for the reporting period XXXX XXXX checked this box which on the XXXX XXXX XXXX is currently making money off my account transferring the securities form XXXX XXXX Credit Card XXXX XXXX . From the secuirties exchange of 1934 SEC. 15G. ( 78o11 ) CREDIT RISK RETENTION. ) the term securitizer means ( A ) an issuer of an asset-backed security ; or ( B ) a person who organizes and initiates an asset- backed securities transaction by selling or transferring as- sets, either directly or indirectly, including through an af- filiate, to the issuer ; and ( 4 ) the term originator means a person who ( A ) through the extension of credit or otherwise, cre- ates a financial asset that collateralizes an asset-backed security ; and ( B ) sells an asset directly or indirectly to a securitizer. XXXX XXXX is keeping the securities intrest and principal that is suppsose to be deposited into my account. According to the sec of 1934 Not later than 270 days after the date of enactment of this section, the Federal banking agencies and the Commission shall jointly prescribe regulations to require any securitizer to retain an economic interest in a portion of the credit risk for any asset that the securitizer, through the issuance of an asset-backed security, transfers, sells, or con- veys to a third party. \nI was never given the opportunity to make residual income off of my securities. Yet XXXX XXXX is saying I owe them and has charged off my account which they have made money off of by selling and transferring my securities. This account MUST be deleted now. Along with the rest of the consumer laws that XXXX XXXX has broken. Which is listed further down in my letter. \nThe Sarbanes-Oxley Act of 2002 section 109 XXXX XXXX is saying they are abiding by this rules and practice of this act to. Protect its Every issuer which has a class of securities registered pur- suant to section 12 of this title and every issuer which is required to file reports pursuant to section 15 ( d ) of this title shall ( A ) make and keep books, records, and accounts, which, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the issuer ; ( B ) devise and maintain a system of internal accounting controls sufficient to provide reasonable assurances that ( i ) transactions are executed in accordance with man- agements general or specific authorization ; ( ii ) transactions are recorded as necessary ( I ) to permit preparation of financial statements in conformity with gen- erally accepted accounting principles or any other criteria applicable to such statements, and ( II ) to maintain ac- countability for assets ; ( iii ) access to assets is permitted only in accordance with managements general or specific authorization ; and ( iv ) the recorded accountability for assets is compared with the existing assets at reasonable intervals and appro- priate action is taken with respect to any differences ; and ( C ) notwithstanding any other provision of law, pay the al- locable share of such issuer of a reasonable annual accounting support fee or fees, determined in accordance with section 109 of the Sarbanes-Oxley Act of 2002. \n\n\nI DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY. \nThis account is to be DELETED IMMEDIATLEY AND INDEFINITELY. \n{$1000.00} dollars for every month my account was charged off and late for false and misleading reporting Respectfully, XXXX XXXX","date_sent_to_company":"2023-12-05T08:13:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7950977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-05T07:44:53.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I was <em>never</em> given the opportunity to <em>make</em> residual income off of my securities. Yet XXXX XXXX is saying I owe <em>them</em> and has charged off my account <em>which</em> they have made money off of by selling and transferring my securities. This account MUST be deleted now. Along with the rest of the consumer laws that XXXX XXXX has broken. <em>Which</em> is listed further down in my letter. \nThe Sarbanes-Oxley Act of 2002 section 109 XXXX XXXX is saying they are abiding by this rules and practice of this act to."]},"sort":[9.844085,"7950977"]},{"_index":"complaint-public-v1","_id":"7954662","_score":9.747054,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX XXXX XXXX and Equifax on any of my consumer report to provide and exchange any information to each other. \nEquifax is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY. \nAccount Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - DELETED INDEFINITELY AND IMMEDIATELY. \n\nA year ago I sent Equifax a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge. \nPer 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY. \nThis account is not with XXXX XXXX XXXX XXXX exchanged my personal information WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, XXXX XXXX, Equifax with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Equifax is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\nPer the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX XXXXXXXX XXXX or Equifax, the permission. I RESCINED any permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge a year ago Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.\n\n26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.\n\nWhen a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT. \nAs clearly being stated here this alleged debt that XXXX XXXX XXXXXXXX XXXX  says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. Equifax is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. Equifax IS TO DELETE THIS ACCOUNT IMMEDIATELY.\n\nThe FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a \" financial institution '' may disclose a consumer 's \" nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive \" nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! \nXXXX XXXX XXXX XXXX  or Equifax to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.\n\nPer 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX XXXX BANK by XXXX is suppose to send me a XXXX so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. Equifax and XXXX XXXX XXXXXXXX XXXX is in violation of my privacy rights Per the Privacy Act of XXXX Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice Equifax and XXXX XXXX XXXXXXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that Equifax and XXXX XXXX XXXX XXXX XXXXs abusing and violating. \n\nI DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY. \nIn Mission lanes XXXX XXXX XXXX My application and account is made into a asset back security due to them filing with the sec a asset back securitizer XXXX XXXX XXXX is taking my Principal amount and securities interest is being deposited in to their trust. My application and account was already sold and transferred according to their ABS XXXX REPORT. \nRule XXXX under XXXX XXXX Act ( XXXX XXXX XXXX ) for the reporting period XXXX XXXX checked this box which on the XXXX XXXX XXXX is currently making money off my account transferring the securities form XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX From the secuirties exchange of 1934 SEC. 15G. ( 78o11 ) CREDIT RISK RETENTION. ) the term securitizer means ( A ) an issuer of an asset-backed security ; or ( B ) a person who organizes and initiates an asset- backed securities transaction by selling or transferring as- sets, either directly or indirectly, including through an af- filiate, to the issuer ; and ( XXXX ) the term originator means a person who ( A ) through the extension of credit or otherwise, cre- ates a financial asset that collateralizes an asset-backed security ; and ( B ) sells an asset directly or indirectly to a securitizer. XXXX XXXX is keeping the securities intrest and principal that is suppsose to be deposited into my account. According to the sec of XXXX Not later than 270 days after the date of enactment of this section, the XXXXederal banking agencies and the Commission shall jointly prescribe regulations to require any securitizer to retain an economic interest in a portion of the credit risk for any asset that the securitizer, through the issuance of an asset-backed security, transfers, sells, or con- veys to a third party. \nI was never given the opportunity to make residual income off of my securities. Yet XXXX XXXX is saying I owe them and has charged off my account which they have made money off of by selling and transferring my securities. This account MUST be deleted now. Along with the rest of the consumer laws that XXXX XXXX has broken. Which is listed further down in my letter. \nThe Sarbanes-Oxley Act of XXXX section XXXX XXXX XXXX is saying they are abiding by this rules and practice of this act to. Protect its Every issuer which has a class of securities registered pur- suant to section 12 of this title and every issuer which is required to file reports pursuant to section 15 ( d ) of this title shall ( A ) make and keep books, records, and accounts, which, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the issuer ; ( B ) devise and maintain a system of internal accounting controls sufficient to provide reasonable assurances that ( i ) transactions are executed in accordance with man- agements general or specific authorization ; ( ii ) transactions are recorded as necessary ( I ) to permit preparation of financial statements in conformity with gen- erally accepted accounting principles or any other criteria applicable to such statements, and ( II ) to maintain ac- countability for assets ; ( iii ) access to assets is permitted only in accordance with managements general or specific authorization ; and ( iv ) the recorded accountability for assets is compared with the existing assets at reasonable intervals and appro- priate action is taken with respect to any differences ; and ( C ) notwithstanding any other provision of law, pay the al- locable share of such issuer of a reasonable annual accounting support fee or fees, determined in accordance with section 109 of the Sarbanes-Oxley Act of XXXX. \n\n\nI DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY. \nThis account is to be DELETED IMMEDIATLEY AND INDEFINITELY. \n{$1000.00} dollars for every month my account was charged off and late for false and misleading reporting Respectfully, XXXX XXXX XXXX, XXXX XXXX","date_sent_to_company":"2023-12-05T08:28:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"7954662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-05T08:24:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I was <em>never</em> given the opportunity to <em>make</em> residual income off of my securities. Yet XXXX XXXX is saying I owe <em>them</em> and has charged off my account <em>which</em> they have made money off of by selling and transferring my securities. This account MUST be deleted now. Along with the rest of the consumer laws that XXXX XXXX has broken. <em>Which</em> is listed further down in my letter. \nThe Sarbanes-Oxley Act of XXXX section XXXX XXXX XXXX is saying they are abiding by this rules and practice of this act to."]},"sort":[9.747054,"7954662"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":49,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":49}]}},"product":{"doc_count":49,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":9}]}},{"key":"Credit card","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":8},{"key":"Store credit 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