{"took":139,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":28,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2671772","_score":17.067146,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?\nCredit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.\nThe situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.\nHowever, I have no doubt that the charges will return very quickly ( XXXX and Experian have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. \n\nSound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.","date_sent_to_company":"2017-09-13T16:21:41.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"641XX","tags":"Older American","has_narrative":true,"complaint_id":"2671772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-13T16:21:29.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["We have <em>your</em> information, well give you very limited access, <em>your</em> livelihood and credit rating depends on it, and, oh, by the way, if you want to <em>keep</em> that information really <em>safe</em> ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION."],"issue":["Credit monitoring or <em>identity</em> <em>theft</em> protection services"]},"sort":[17.067146,"2671772"]},{"_index":"complaint-public-v1","_id":"2671944","_score":17.059761,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?\nCredit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.\nThe situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.\nHowever, I have no doubt that the charges will return very quickly ( TransUnion and XXXX have not offered a free freeze at all, and TransUnion doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXXyear-old mother, and me fees would total {$2100.00} annually for full protection. \n\nSound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.","date_sent_to_company":"2017-09-13T16:21:41.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"641XX","tags":"Older American","has_narrative":true,"complaint_id":"2671944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-13T16:21:29.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["We have <em>your</em> information, well give you very limited access, <em>your</em> livelihood and credit rating depends on it, and, oh, by the way, if you want to <em>keep</em> that information really <em>safe</em> ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION."],"issue":["Credit monitoring or <em>identity</em> <em>theft</em> protection services"]},"sort":[17.059761,"2671944"]},{"_index":"complaint-public-v1","_id":"2671761","_score":17.020363,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to express my outrage not just at the recent security breach at Equifax, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input? \n\nCredit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers. \n\nThe situation ( at Equifax at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report. \n\nHowever, I have no doubt that the charges will return very quickly ( XXXX and XXXX  have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. \n\nSound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.","date_sent_to_company":"2017-09-13T16:21:26.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"641XX","tags":"Older American","has_narrative":true,"complaint_id":"2671761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T16:03:57.000Z","state":"MO","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["We have <em>your</em> information, well give you very limited access, <em>your</em> livelihood and credit rating depends on it, and, oh, by the way, if you want to <em>keep</em> that information really <em>safe</em> ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION."],"issue":["Credit monitoring or <em>identity</em> <em>theft</em> protection services"]},"sort":[17.020363,"2671761"]},{"_index":"complaint-public-v1","_id":"12614942","_score":13.084214,"_source":{"product":"Prepaid card","complaint_what_happened":"I, XXXX XXXX XXXX, of XXXX XXXXXXXX, in XXXX XXXX, California, being duly sworn state under oath that : I am a chime card holder of Account Number : XXXX Dispute Claim Number : XXXX XXXX That the foregoing statement is true, on XX/XX/XXXX I was at my uncles funeral since XXXX XXXX  I attended a family only final viewing at XXXX XXXX located in XXXX, California and then we followed to the XXXX XXXX XXXX located in the city of XXXX California and at XXXX XXXX once the service concluded we immediately followed to our local cemetery located in XXXX, California accompanied by family and friends where my uncle was laid to rest. At XXXX XXXX everyone who was present at the cemetery followed back to XXXX, California were my family and I held a special memorial service where food and drinks were served to all that attended the service to celebrate the life of my dearly departed father/uncle until XXXX. \nWhile I was attending the funeral service for my uncle my debit card was being used by an unknown individual ( XXXX ) who found or stole my cellphone with my wallet attached that had my debit card and CA Drivers license. The XXXX unauthorized transactions were made to a merchant with the name of XXXX, XXXX XXXX the following transactions below : Number : Date & Time : Merchant Name : XXXX Amount : 1. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} 2. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} 3. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} 4. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} 5. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} 6. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} 7. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$980.00} with out my consent or prior knowledge. \nI did not receive any fraudulent alerts notifying me for any of these charges or requesting my authorization prior to completing the transactions in question. \nAt about XXXX pm while I drove home after a long and traumatic day of an emotional roller coaster and still grieving the death of my uncle/father who raised me as his only son I discovered that I have been a victim of identity theft and fraud. I immediately notified chime of the fraudulent charges that had been made with my debit card I wasnt aware I was missing along with my drivers license and a second cellular phone / wallet that I normally keep in my vehicle was missing we immediately cancelled and issued a new replacement debit card. \nI am in a state of disbelief for how Ive been treated by Chime Dispute Team, I am a victim of identity theft and fraud, this traumatic experience has left me without any financial resources and no hope that this will be resolved soon or in my favor. This is a serious matter and issue that needs urgent attention my safety and security have been compromised. This is a terrible situation and traumatic experience that I am currently experiencing. Your complete disregard for my claim has caused me further distress that once I have recovered all my funds that were taken from my account, I will no longer continue any type of relationship with Chime. \nTo the best of my knowledge Chime is FDIC Insured, I have complied and assisted chime in the investigation process, Ive filed a police report with XXXX XXXX XXXX Department, filed a identity theft claim with the FEDERAL TRADE COMMISSION and filed a complaint with FDIC XXXX of depositor and consumer protection and have contacted the merchant.\n\nI requested a stop payment, transaction reversal, and or credit / charge back each transaction when I noticed these transactions and were in a pending status and the representative from chime refused to provide adequate and appropriate assistance while my account was being compromised and simply disregarded the severity of the fraudulent activity that had occurred and insisted that I wait until the unauthorized transactions had posted completely and only then would they help me file a dispute claim.\n\nI demand that my account be credited immediately and not have to wait a moment longer to have the funds returned to my account. I called when I noticed these transactions immediately and I for one am bothered for not receiving any notification or a fraud alert from chime while these transactions were being made. Please help me understand why chime didnt Flagg these 7 transactions and alert me of each one request my acknowledgment of each transaction when they were all for large amounts minutes apart and all to the same merchant. You have to be a complete XXXX or you have to be an accomplice to the fraudulent activity that was transpiring at that moment. Im a victim and chime didnt follow protocol to protect my account and keep my money safe. Previously chime has alerted me in the past with a fraudulent notification when I attempted to make a atm withdrawal multiple times before and denied each transaction until I replied with a yes or no if I was the person attempting to use my debit card for each transaction so I dont understand how these werent flagged. \nIve now have had to file a fifth rebuttal in regards to my identity and fraudulent transactions against my account, each time you have denied my claim for some unknown apparent reason that isnt being explained. Ive been in contact with XXXX XXXX XXXX ( the merchant ) and they have requested that chime contacts them to assist in a charge back of my funds stolen from my account and Ive requested the original debit card number you cancelled that was used in the above mentioned transactions so that they may conduct there own investigation so that they can return my money. However, chime is refusing to cooperate with XXXX and myself and has denied my claim five times already. \nI have filed a police report with the XXXX XXXX XXXXt and with the Federal trade commission where I filed a identity theft report I have submitted all this information to assist with my claim and I kindly request your assistance in the matter and the appropriate response and to have my money returned immediately so that I can end all future and further relationship with Chime. \nKindly do the needful and oblige. \nThanking you in anticipation for your kind cooperation! \n\nYours Faithfully,","date_sent_to_company":"2025-03-23T23:54:25.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"92253","tags":"Servicemember","has_narrative":true,"complaint_id":"12614942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-03-23T23:38:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Charged for a purchase or transfer you did not make with the card"},"highlight":{"complaint_what_happened":["I have filed a police report with the XXXX XXXX XXXXt and with the Federal trade commission where I filed a <em>identity</em> <em>theft</em> report I have submitted all this information to assist with my claim and I kindly request <em>your</em> assistance in the matter and the appropriate response and to have my money returned immediately so that I can end all future and further relationship with Chime. \nKindly do the needful and oblige. \nThanking you in anticipation for <em>your</em> kind cooperation! \n\nYours Faithfully,"]},"sort":[13.084214,"12614942"]},{"_index":"complaint-public-v1","_id":"6465046","_score":11.292611,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Monday, XX/XX/2021, I was contacted by Wells Fargo via text message asking if XXXX specific charges were authorized by me. After responding to the text, I received another text showing a debit to my checking account, also not authorized by me. I immediately called Wells Fargo and told them that my account had clearly been hacked and to shut down my checking and savings accounts with them. \n\nAfter watching several more transactions being deducted from my account via text alerts on my phone, I was informed from the customer representative to whom I was speaking that your company actually had video footage of a man at a Wells Fargo ATM machine in XXXX XXXX Texas, withdrawing money from my account matching the time stamp of the withdrawal from my account. I live and was in XXXX at this time with the ONLY debit card issued on this account in my possession. Also, I am the ONLY authorized user on my account. \n\nWhen trying to get into my account while on the phone with the bank, I discovered that my password had been changed thereby locking me out of my own account. Upon further discussion with your representative, I was told that someone had called the bank and verbally requested {$4000.00} be transferred from my savings account, which they willingly did without my approval or verification. \n\nWhen asked to see the photos of the man at the Wells Fargo ATM and hear the phone recording of the call when Wells Fargo transferred my money in my savings account to my checking account, I was refused. \n\nOn the Wells Fargo website, it says to Contact us immediately if you suspect fraud on your account ( XXXX ) or you responded to a suspicious email, text message, or phone call. When you call, we will review your accounts, identify all unauthorized transactions, and help keep your accounts secure. \n\nI did so in my call telling them that NONE of the transactions made on XX/XX/2021 were made OR authorized by me, and they failed miserably in keeping my XXXX  secure as many transactions continued to be made that day. They actually assisted the thief when your company allowed a phone request of a transfer of {$4000.00} from my savings account into my checking account with NO notification to or verification from me. These large purchase amounts and the location from where they occurred do not match up with my normal daily account activity. \n\nFurthermore, I was also NOT notified by the company when the person changed my password on my account. However, when I did this after this theft, I immediately got an email from Wells Fargo telling me that my password had been changed. On XXXX of my countless phone calls to Wells Fargo, all of my account information was verified as correct. Why did I not receive an email telling me that my password had been changed by the person stealing from me but did when I completed this action? \n\nTheir website says that they protect my data by doing the following : XXXX XXXX XXXX We are helping to keep your money safe by monitoring your accounts and XXXX contact you if we detect unusual activity. If it's not your purchase, we will help you resolve it. We use various methods to contact our customers including email, text, push notification from the mobile app, or phone call. When we contact you, we will not ask for your card PIN, access code, or your online banking password. \nIf your banking behavior differs from your usual activity, we XXXX send you an access code to confirm your identity, prevent certain types of transactions, or restrict account access ( including card declines ). Further proof of identity XXXX be required before we restore online access. \n\nThe website goes on to say that customers are covered with account protections by stating the following : Unauthorized Account Activity Under federal law, Regulation XXXX ( Electronic Fund Transfer Act ) provides certain protections to consumer customers when there is unauthorized account activity. Regulation XXXX covers transfers of funds through electronic methods such as, the use of a debit or credit card, ATM withdrawals, and direct deposit activity through a checking, savings, or other consumer asset account at a financial institution used primarily for personal, family, or household purposes. \n\nXXXX XXXX XXXX Wells Fargo XXXX and XXXX XXXX come with XXXX Liability XXXX at no extra cost. You wont be held responsible for unauthorized transactions, so long as you report them promptly. \n\nBased on the companys promises, they failed to protect my data AND have NOT covered my account protections even though I notified them IMMEDIATELY when debits to my account showed up on my phone. \n\nOnce again, not only did they not protect me, the account holder ; they assisted the person who stole a combined total of {$4600.00} from my checking and savings accounts. I was told that my money would be returned to my accounts in totality within XXXX business days. That deadline passed on XX/XX/XXXX, and I still have not received my money that was taken from my accounts. I have also not been communicated with and have had to initiate communication with your company in order to find if any progress, or lack thereof, has been made regarding my case. And when I do talk with someone, nobody knows the facts of my case, and Ive had to repeat the events multiple times. And at the end of each conversation, nobody has offered any solutions to the problem. \n\nWhen I called the bank on XX/XX/2021, the last day of their own aforementioned timeline, I was told that my claim had been denied because of authorization by me of these transactions. That is complete and utter nonsense based on the proof that I gave in my phone call to you on XX/XX/2021 as well as their own admitted video footage of someone taking money from my account via a Wells Fargo ATM. There is also a phone recording of the person asking for the transfer of {$4000.00} from my savings account to my checking. \n\nIn short, Wells Fargo has failed me at every single turn, and did not upheld their promises to me as a customer nor your protection of my money.","date_sent_to_company":"2023-01-20T16:59:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75206","tags":null,"has_narrative":true,"complaint_id":"6465046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-01-20T16:52:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["If <em>your</em> banking behavior differs from <em>your</em> usual activity, we XXXX send you an access code to confirm <em>your</em> <em>identity</em>, prevent certain types of transactions, or restrict account access ( including card declines ). Further proof of <em>identity</em> XXXX be required before we restore online access."]},"sort":[11.292611,"6465046"]},{"_index":"complaint-public-v1","_id":"10425862","_score":9.841589,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear USAA Bank, I have spent over 10 hours today attempting to deal with this issue and am very, very frustrated. I dont know how long Ive had my bank account open for, but Ive had over XXXX XXXX in this account within the last year! Now its dwindled to less than half that! \n\nI was on the phone for nearly 8 hours today. I keep getting the run around with your agents who half the time give me misinformation or waste my time, or do or do not do the things that they say they are going to do! \n\nFor example, I called fraud in the banking department around XXXX XXXX PST. I was trying to dispute all the highlighted transactions below, but she INSISTED that USAA Bank was unable to dispute USAA credit card EVEN THOUGH USAA credit card was XXXX  the money out of my bank account via ACH! I knew what she was saying was incorrect and she only got a handful of items disputed such as the XXXX XXXX transactions and debit card transactions or so I thought! Then she transferred me to someone in credit cards that I could barely hear! I havent seen my credit card since around XXXX! I didnt want to talk to them I wanted to speak with banking! But I spent about 2 hours on the phone with some guy, who claimed the money can not go back to my bank account. This was very confusing. Then he transferred me back to what I had thought was the Fraud department, but it was another male representative, who was very nice and I was on the phone with for another 2 hours. \n\nHe told me that the first banking representative was wrong/ incorrect and that they CAN dispute the USAA Credit Card ACH transactions coming out of my account. He had to do it one company at a time first with XXXX XXXX, then some small debit card purchases that were unauthorized/ fraud, and another company that took almost {$10000.00} from me! He said there was already a case created by someone earlier and that he just had to update the notes for the fraud team to document each charge. He kept putting me on hold while going through the charges. I only counted 13 so far since XXXX! I dont know why it takes 2+ hours per person to do this! And the phone started to go in and out ( as is often the case when on it for more than a few hours ) and I kept losing him until finally I lost him completely but he said he was submitting everything and theres nothing I had to do before the call dropped. Didnt even get a call back despite this. \n\nThen I had to call AGAIN. Isnt ( XXXX ) XXXX ( XXXX ) the fraud department? Thats what comes up on XXXX and the number Ive used all day. I was transferred to a female banking representative who had no idea what to do. Literally. She said I was unable to speak to the fraud department who I thought I had spoken to XXXX previously today in credit cards and checking/ bank accounts. And that there is no notes, or documentation about any fraudulent charges from any representative today. Great, so I figured I had just wasted 8 hours today. I asked to speak to a supervisor, and she kept putting me on hold about 10+ times, stating she had to transfer me to Member Solutions. But I was put on hold off and on for nearly 50+ minutes until I reached XXXX XXXXn Member Solutions/ Resolutions. \n\nXXXX was very kind and helpful and claimed that there were actually notes and cases done today, but he too can not tag the USAA credit card charges that were coming out of my bank account as payments. Why? Especially when the previous male representative in banking said he was doing that. So another hour+ on the phone with XXXX and many charges that I had repeated were missing or not there in the notes or whatever the reps submitted today. So I said I might as well just put this all in writing to the CFPB and highlight the charges. Theres only XXXX from currently until XX/XX/scrub>XXXX XXXX I havent had time to look at anything prior really. \n\nSo please make sure these are tagged properly and creditedXXXX refunded. I have multiple police reports regarding identity theft. I just am surprised at how hard it is to get through to anyone at USAA. XXXX there certain divisions that get somewhat of VIP status with how much money they have in their accounts on average? Surely ~ XXXX XXXXXXXX is MUCH more than the average servicemember. Also I saw how much interest I was getting on that a month in my bank account and it was just pathetic ( XXXX cents to {$2.00} each month or so for hundreds of thousands of dollars that your team is supposed to take care of, while lending that money out to others for investments, or whatever suits your companys purpose s etc. ). I just dont know if I feel safe continuing to have large amounts such as that in my account, considering I keep getting the runaround with people knowing what they are saying and then not knowing what they are saying, and transferred nonstop. And with no branches near me when I lived in XXXX nor here in Washington state or on the XXXX XXXX. \n\nPlease get this resolved ASAP. I can not deal with this continuation of stress, while trying to maintain a career, taking care of family, deaths of loved ones, my own very poor health, etc. I can provide police reports, medical reports, anything if needed. Thank you.","date_sent_to_company":"2024-10-12T01:09:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98277","tags":"Servicemember","has_narrative":true,"complaint_id":"10425862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-10-12T00:37:39.000Z","state":"WA","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":["I have multiple police reports regarding <em>identity</em> <em>theft</em>. I just am surprised at how hard it is to get through to anyone at USAA. XXXX there certain divisions that get somewhat of VIP status with how much money they have in their accounts on average? Surely ~ XXXX XXXXXXXX is MUCH more than the average servicemember."]},"sort":[9.841589,"10425862"]},{"_index":"complaint-public-v1","_id":"3326623","_score":9.38131,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Thursday XX/XX/2019 I opened a High-Yield Investor Checking account at Charles Schwab Bank in the amount of XXXX XXXX XXXX XXXX XXXX { {$3400.00} } said account was immediately opened then funded with absolutely NO requirements of me and NO restrictions. \n\nI was immediately sent a XXXX XXXX card and checks that I did NOT ask for, had I been asked I would have refused because XXXX cards can not or do not fully accomodate my full lawful, legal name. I NEVER ALLOW my name to be truncated and normally I would sue XXXX and win because I NEVER asked XXXX for anything, but I decided to skip that drama, shred the card, and close said account until people do what I tell them to do regarding my money and my life. \n\nI thought I finally would be treated with a modicum of respect when I opened an account at Charles Schwab Bank, they made me feel safe and I even referred my mother as a family member so Charles Schwab Bank could become trustee over my Trust. However, I quickly realized Charles Schwab Bank 's treament of me was all a fasad and once again I was trapped between a living nightmare and the twilight zone. \n\nMy logic is easy, plain, and simple that even a little child can understand it and understand that NO! means NO! I told Charles Schwab Bank stop apologizing to me after they learned I'm a XXXX   XXXX XXXX XXXX Survior living through the aftermath of brutal XXXX and XXXX XXXX. For said reason I don't have to comply with anything they've demanded of me -- -after-the-fact emphasis on after-the-fact. \n\nI respectfully accept and understand anyone 's regulations and rules about anything, but I stated My MONEY is Mine and you CAN NOT keep it, have it, or take it because I have my own federal laws, regulations, and rules that I must and do abide by, and live by everyday that keep me safe as a XXXX XXXX XXXX XXXX Survior. \n\nI am not difficult with anyone I am straightforward, and truthful -- -always, but as I stated to XXXX XXXX the verification department at Charles Schwab Bank on Tuesday XX/XX/2019 there is a part of my life they will never access because it is sealed in one aspect and behind a locked vault in another. I stated I don't care if they accept that, but they have to atleast respect that because it will NEVER change and I will NEVER change so just give me back all my money. \n\nI don't expect partiality, or preferential treatment regarding what has happened to me in my past because I don't have a victim 's mentality. However ; I do have a problem with Charles Schwab Bank receving me as a client with open arms and then afterwards demanding I comply with something that I would have NEVER consented to in order to become their client in the first place. \n\nI DID NOT CONSENT to give them anything more after-the-fact. Trying to force me to comply to anything and retalitating against me when I don't or won't NEVER works on me -- -it never has -- XXXXand it NEVER will. If you try to circumvent the federal laws that were made to protect me and my annoymity then you are going to be in for one XXXX-OF-A-FIGHT because I'm NOT going to stand for it NOR will I tolerate it. \n\nAll I want is my money back and to NOT have anymore dealings with Charles Schwab Bank for the rest of my natural life. I'm going to reach out to the XXXX movement and XXXX XXXX about what is happening to me over, and over, and over again with no justification for it whatsoever, but to aid, assist, and help that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my elderly mother to get to me in the process. \n\nCharles Schwab Bank with intentional, willful, malice bounced XXXX checks I made to XXXX. XXXX funded my last round of XXXX XXXX medications and my mother and I have had a wonderful relationship with XXXX for nearly XXXX years. \nThis was extremely disheartening for me to know Charles Schwab Bank dishonered both payments when I've made every payment to XXXX and never late once. \n\nOn Tuesday XX/XX/2019 I opened up a chat and spoke with XXXX requesting a XXXX or supervisor in account closings she refused to escalate said chat then transferred me to their verification department instead. I closed said chat and gave her a survey score of all zeros. \n\nI informed someone named XXXX in the Charles Schwab Bank verification department that I received a letter on Tuesday XX/XX/2019 at XXXX pm from said department with demands of me with an imminent deadline addressed to me with my lawful, legal, name mispelled. I made a decision to close said account because anyone asinine { and/or } incomptent as XXXX XXXX to misspell my name from a verfication department will NEVER be allowed to deal with { and/or } handle my financial money affairs. \n\nI am forever unforgiving of any instance of tampering with my lawful, legal name because that is the epitome of where felony fraud begins and it always ends with full-blown identity-theft. I received alot of apologies on Tuesday XX/XX/2019 from Charles Schwab Bank associates after I revealed I can't conform to anyonelse 's deadlines about anything except my own due to XXXX XXXX   XXXX and everything I do has to be booked { and/or } scheduled with a third party person and driver -- -on their time not mine. \n\nI demanded my money back and going forward I just won't put anymore of it in any financial institution because they befriend me then they betray me the instance I attempt to use my own money for medical reasons. Charles Schwab Bank locked and froze my account knowing full well I will never give them anything more than what they asked for in their application, but anything else after-the-fact -- -NEVER come XXXX or come HIGH WATER. \n\nNo one at said foregoing address is going to communicate with Charles Schwab Bank any further except via legal retained counsel for punitive damages. Thank-you kindly, your immediate attention, careful consideration, and full cooperation in this matter is greatly appreciated. Charles Schwab Bank may withold a XXXX XXXX Delivery Fee from said remitted funds. \n\nPlease direct, instruct, { and/or } force Charles Schwab Bank to refund and remit payment in the amount of XXXX XXXX XXXX XXXX XXXX  { {$3400.00} } by XXXX XXXX  Delivery to : XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Thank-you kindly. Your immediate attention, careful consideration, and full cooperation in this matter is greatly appreciated. \n\nVery sincerely, XXXX XXXX","date_sent_to_company":"2019-08-01T17:18:13.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"240XX","tags":null,"has_narrative":true,"complaint_id":"3326623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2019-08-01T17:00:36.000Z","state":"VA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I am forever unforgiving of any instance of tampering with my lawful, legal name because that is the epitome of where felony fraud begins and it always ends with full-blown <em>identity</em>-<em>theft</em>."],"sub_issue":["Can't close <em>your</em> account"]},"sort":[9.38131,"3326623"]},{"_index":"complaint-public-v1","_id":"4495827","_score":9.221755,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Attention : Executive Re : ID Theft, Fraud, Gift Card Fraud, Payment Fraud, Account Take Over From : XXXX XXXX XXXX Card # XXXX Card # XXXX ( Identity Theft, Account Take Over, Gift Card Fraud, and Payment Fraud ) Dear Executive Team : Myself and my family are victims of Identity Theft, Gift Card Fraud and Payment Fraud! \n\nWe are in contact with all of our bankcards companies as all were hit by this ring of fraudsters. \n\nLet me provide you with some context : 1. My laptop was stolen from my XXXX XXXX  Room in XXXX, FL XX/XX/XXXX. At this time, the XXXX contacted the XXXX Police and both they and the police questioned all employees who had been in out of my room. They report that they did not believe any were involved in the theft, closing the case for the XXXX. \n2. I met with the police officer, providing him an account of what happened and that the next day, after going out for dinner the night before, the Laptop came up missing, along with the backpack and other items that were in the bag. ( This report is in with these docs ). This caused my initial incidents of fraud. This all needs to be handled, as do the bounced ACH payments since they all came from XXXX, XXXX XXXX ( with XXXX ), XXXX and XXXX XXXX XXXX XXXX ( with others ) where I dont have any checking or savings accounts! This was not at all me and I have proven as much. In fact, if your bank wants to have me on the phone or needs 3rd party authorization, you may have it and you can verify this all yourself as well. Before This all started, I had a XXXX XXXX credit score, I am XXXX years old, and I dont play around with my credit at all! \n3. I contacted XXXX upon having my laptop stolen had them promptly place a lock on my XXXX account, asking if anyone had attempted to access my XXXX  account in the previous 24-48 hours ( during hotel and police investigation ). I was informed yes and that someone was in it at the very time we spoke. I then asked if they could identify an IP address but they could not and that it appeared it may be an unsecured public Wi-Fi. At that point they terminated access knowing it was not me that was in my XXXX account. After purchasing a new computer, I reset my XXXX  but purchased an upgrade for XXXX XXXX which requires three password3, picture of myself from my computer at the time of login, and a thumbprint scan that is available on my XXXX XXXX. This may sound like overkill, but I do not want this to over happen again. This new service costs me $ XXXX and in the long-run I know it will be worth it! \nThis is where the fraud gets worse. Note : I am a XXXX ( XXXX XXXX XXXX ), and a certified XXXX XXXX XXXX via ( XXXX ). I am not going to go into my job details, but I spend a lot of time on the road and/or over-seas working with various banks and authorities to track down and stop major XXXX XXXX and XXXX XXXX rings. The police ( reports included or you can order updates ) and I believe these fraudsters came after me hard due potentially to finding out what I do for a living ( trying to teach me a lesson ) and stop me from investigating rings of bad people. \n\n4. From XX/XX/XXXX XX/XX/XXXX I was in XXXX XXXX on a job assignment. This is when the bulk of the fraud took place! The police believe the fraudsters were watching me through the dark web, through hacks into my network and through calls I regularly make through my computer ( XXXX, XXXX, XXXX for XXXX, etc. ) 5. The fraud started to hit early in my stay in XXXX XXXX and the police/my cell carrier both believe I was spoofed ( first I heard of this practice was from the police ). The reason for this is that one of the police investigators texted me two times and it didnt come through. Then he texted my wife and it did. Finally he texted me again and nothing! He then asked that we call my cell carrier ( XXXX ). We spoke to a Rep and one of the things he remarked on was that I had recently removed my International calling. I place it on or off depending if I am traveling abroad for work. He said, It says here that you were to be in XXXX XXXX ( XXXX  ) for much of XXXX and XXXX? I told him I was and that I had recently returned so I shut it off. Then he said, There is some strange activity while you were gone because there are calls received/outgoing in the US and texts being received in the US as well. Then he said I think you have been spoofed! The cop nodded in agreement and said, I see this all the time. I had heard of this but never actually seen it first-hand and now it was happening to me! The Rep sent me to their fraud team and they added some additional controls to help stop this but admitted they are not perfect but should help a bit. One of the Technicians said, These guys are so technical and always seem to be one step ahead of us. \n6. As you will see there are a bunch of charges at places like XXXX and XXXX XXXX. I have been told by one creditor that the fraudsters even called in pretending to me. This is creepy! Then I heard from my wife that XXXX had called both her and my daughter to verify my identity???? Yes, they really called my XXXXyo daughter! They both validated my identity, my daughter didnt know what for, but my wife figured that since I was in XXXX the bank was just performing due diligence. All around very strange though. Anyhow these fraudsters ran up a bunch of debt on all of my bankcards using gift-card fraud! \n7. As has been validated by my itinerary attached, I came home on XX/XX/XXXX from XXXX to an absolute mess I found out about on XX/XX/XXXX. I went though everything and all of my major cards had been hit! I couldnt believe what I was seeing and it scared me! I couldnt believe the banks and the stores had allowed this and knew it was going to be a pain for me in the near future, so I called all my credit card companies, reported it, and they sent out new cards. I also gathered a ton of evidence and completed my 2nd police report but this one for fraud. Chases card numbers are included at the top of this letter. \n8. I next filed fraud warnings on all three bureaus and placed a freeze on all of my familys credit files, including my XXXX yo! When I found out that someone was impersonating me, I quickly filed a report with the TX Attorney General, the Federal trade Commission and filed another police report but this time for Identity Theft. All of this has been kept up to date with the officers and agencies I contacted. I also disconnected everything from XXXX, etc. but was shocked and mortified because I have always been very careful! \n9. I next contacted the Texas State XXXX and made arrangements for my entire family to get new drivers licenses and due to Covid we had to drive as a family, 3+ hours each way to take care of this right away. The cost of each license was {$48.00} per person x 4 people = {$190.00}. We were all supplied all new License numbers and had new pictures taken. Finally, I also contacted the Passport office in XXXX, making an appointment, during Covid restrictions again, got new pictures of each of us completed, and headed to their office in Downtown three days later. I had to ask for rushes on them because I wanted to be sure my family was as safe as possible. The cost for each is as follows ( passport Book and Card for myself and my wife {$140.00} each x2, passport book for my son {$110.00} x 1, Passport book for my minor daughter {$110.00} x1 and 4 x {$60.00} for the expedited fees ). The total for this is = {$740.00}. We all now have new Passport numbers. Keep in mind since these are replacements and new passport numbers, we only get the remaining number of years left, so mine, for instance, is due for renewal in 4 years, rather than 10 years. Lousy but I feel a bit safer now. I can say this, if we were allowed to change our Social Security Numbers and adjust our birth certificates, I would have done this as well. Of course, this is not possible. \n10. Then the evidence I collected, and the processes I followed, were gathered and given to every creditor, whether I had an open account or not! So, you know, as of today I have sent my evidence to Chase 8 times via fax including this letter and evidence! Chase still has not indicated that they received our information, so I am faxing it again. This is so terrible and I lose sleep over it nightly. I also found the banks separate departments can not read each-others notes and unless requested, another department is not privy to any of the documentation I had sent in. This has made the process horrendous and now more fraud in different areas has taken place! The executive closure team??? has now closed my card because they just dont have access to the notes, nor do they have access to the documentation and there have been so many errors in the process along the way! Your team still hasnt been able to let me know if you have received my docs and what is actually taking place. \n11. The reason that I have been given for closure of my Visa account with Chase is that I have had too many returned ACH payments. I knew that when I contacted the bank and I let you know what was transpiring. This is ludicrous since you all seem so disparate and dont appear to have a good communication process when items of such importance are handed off. I am scared now that my information is circulating the bank or in trash cans so that others can make things even worse than they have already gotten. This is a very nerve-racking issue and I want it solved as it pertains to me and my family right away. Today I also contacted the CFPB to get involved to help because not many appear to care and I feel like I am being treated as a criminal, when in fact I am far from it! \nFinally, these are the items I am including with this letter : Remember I am handling ID Theft, Fraud, Payment Fraud and Account Take Over and have proved all of these items with one to all of my creditors per my documentation trail that I have provided over and over. Nearly all of the Fraud took place while I was in XXXX XXXX for work XX/XX/XXXX XXXX, a smaller amount in XXXX and again in XXXX, including my Credit Union XXXX XXXX XXXX, and XXXX account takeovers. The thieves cleaned out my checking account at my credit union and kept posting fraudulent ACH payments to my Chase, XXXX XXXX and XXXX accounts, compounding the issue! THESE PAYMENTS ARE NOT AUTHORZED BY ME AND DO NOT COME FROM ANY BANK ACCOUNTS I AM A SIGNOR ON! \n\nI am supplying all of the following docs 1. Police report from XXXX XX/XX/XXXX 2. 2 Police report cards ( front and back ) and if you want copies, you can order them as they have been updated 3. My flight itineraries from XXXX XXXX ( I was not here during the vast majority of fraud period! ) 4. The Police officer 's names, badge numbers and email addresses - All will testify for me as needed but they would like XXXX XXXX XXXXXXXX to resolve before I have to go there. I love my relationships, but they need to back me up in my time of need! \n5. Texas Attorney General Report 6. Credit report portion showing I filed my ID theft and fraud with all 3 bureaus ( included my wife and my kids as well ) 7. Report log and letter from the FTC I would like a call from leadership on all of this! I want my credit/credit lines restored and Im pleading for assistance as I have always been a customer in good standing! The Fraudsters came after me this hard because of what I do for work and the pattern is so obvious. My job is not that of a normal banker and thats obvious! The thieves are trying to take me out so that I stop going after them. Closing my accounts is not the solution! You will get my XXXX XXXX removed, and I will have to file bankruptcy, all because of bad people! I am not going to let fraudsters of any sort ruin my excellent credit history in the long-run, and if I must go to court with XXXX XXXX XXXX ( dont want this ), I will allow a judge to see everything in black and white! As for the payments returned to my account on, I have contacted the authorities and done all I can as a consumer. All I asked is Chase stand behind me in this time of trouble and it has been one heck of a nightmare that continues. I ask that you allow me to do what I do as a XXXX  and go after these fraudsters together! All I am asking is for help and assistance to help clear all of this up since NONE of the ACH returns came from any of my accounts. This is simply fraudsters doing everything they can to ruin me and right now Chase is allowing it! \n\nI am far from being a fraudster, never having issues of this magnitude as a consumer to deal with, and I have just been caught up in situations beyond my control. From what I can see, I have not done anything wrong. Its evident to myself, my wife, the police and my attorney that I have been defrauded and then not assisted by so many people, after finally being able to really do my job with my major travel bans being lifted in XXXX due to Covid, and therefore cracking down on some large fraud rings with local, national and international authorities. All I ask is to be understood since I am hurt very badly at this point! \n\nPlace yourself in my shoes for a moment. I have had to be provided prescriptions for XXXX XXXX XXXX and XXXX because of all of this and trying to get it under control. To this point Chase and others are making it worse, not better and you have not communicated with me at all unless I call you! I really need assistance here since I have great supporting documentation and an excellent timeline of all events that I can present to anyone. Due to all of this stress, I am sure I have been confused or misspoken a few times, especially as what was thought to have happened changed as evidence was received. This is awful and trying to go through every area as I have come to learn about it has been increasingly stressful as a consumer and the bank is not helping me clear this all up. Gosh darn it! This fraud, etc. has not been perpetrated by me and I need to be able to function again as a normal human being! Please HELP ME!","date_sent_to_company":"2021-06-26T20:35:33.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"77095","tags":null,"has_narrative":true,"complaint_id":"4495827","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-06-26T20:25:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Attention : Executive Re : ID <em>Theft</em>, Fraud, Gift Card Fraud, Payment Fraud, Account Take Over From : XXXX XXXX XXXX Card # XXXX Card # XXXX ( <em>Identity</em> <em>Theft</em>, Account Take Over, Gift Card Fraud, and Payment Fraud ) Dear Executive Team : Myself and my <em>family</em> are victims of <em>Identity</em> <em>Theft</em>, Gift Card Fraud and Payment Fraud! \n\nWe are in contact with all of our bankcards companies as all were hit by this ring of fraudsters. \n\nLet me provide you with some context : 1."],"issue":["Closing <em>your</em> account"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[9.221755,"4495827"]},{"_index":"complaint-public-v1","_id":"2655328","_score":9.214707,"_source":{"product":"Checking or savings account","complaint_what_happened":"what happened full not to be confused with Consumer Protection Bureau submission # : XXXX - XXXX due to Bank of America intentionally not providing me a digital copy of my account history so that I could properly claim my claim with Consumer Protection Bureau due me telling bank I need a copy of my bank statement in digital form to match all the other documents I need to upload to the Consumer Protection Bureau.. Bank of America intentionally did this for the exact same duration of time they can legally close an account and put in collections. date duration of time was of course of over 3 months I would lie to repeatedly on dozens of phone calls and attempts to receive a digital copy of my bank statements I was told repeatedly I was not able to it is impossible but then every so often a honest representative would say that it is but there attempts to do their job and serve the customer were quickly stopped so that I could not submit my claim with the Consumer Protection Bureau containing the proper evidence which was also in digital form such as screenshots and audio recordings of their automated banking system saying inaccurate information about account I am told I could trust and is highly accurate making it impossible to balance a checking account or know where my money is going making it very easily to lose control of the account standings Bank of America did nothing to protect clearly why I am in debt they claim but I have never been in debt in my entire life nor would I have ever moved to the State of XXXX  1500 miles away from my family to be by myself to be broke and in debt. \neverything is mentioned in the uploaded documentation I uploaded, Done for leverage to collect their fees causing anyone in similar issue the inability to open up a checking account with another XXXX XXXX due to XXXX Bank of America did all this intentionally to collect fees as mentioned in documentation I provided nor did they protect my money like I was verbally promised multiple times I had nothing to worry about my money is safe and will be returned in claim. \n\nWhat happened1 As of XX/XX/XXXX I needed the cash in my bond for {$15000.00} from my great grandmother this Bond according to the will is to be used for my education or a home or business it is to be invested into my future directly related to why I had to move out of XX/XX/XXXX state to XX/XX/XXXXbecause I wanted to start a business I wanted to get off the medication I 've been on for over 10 years that the past five years I 've gotten myself down from XXXX XXXX a day to XXXX  a day. And every winter in XXXX XXXX I would go back up to XXXX XXXX too sometimes XXXX daily as prescribed due to my XXXX XXXX XXXX lack of sun in XXXX XXXX during winter played a huge role on My Success because winter hindered me and made me XXXX every year which caused me to take more of my medication moving to XXXX and starting the business that I 've always wanted to start with my business and budget how to effectively spend the money safely so that I have nothing to worry about so long as I have everything done within 16 months of moving there my budget included everything from living expensive rent food cigarettes medication doctor visits gas and spending money because you need it for your sanity. \n\n\nIn XX/XX/XXXX I went to Bank of America to cash my bond in full to {$15000.00} that I had a safe I would be leaving it in and dividing the money up into envelopes labeled the according budget restrictions. I had a strict leaving date due to my father taking time off of work to drive following me down in his truck while I 'm driving my car with trailer full of my belongings and my car full of my belongings as well I was told that I could bring my bond to any XXXX XXXX  to be cashed in full anything over 30,000 needs to be reported prior to this was only {$15000.00} Bank of America would not cash my they said they did not have the cash on hand and I was leaving with Saturday morning I brought my bond to the bank on Friday stay before moving. I explained to the bank of America 3 months ago the letter I received why I need to cash this Bond and have it in cash as documented in the upload I am attaching in the uploads too short and sweet in it I received letter from XXXX about while I had XXXX for my mobile carrier the XXXX data breach and my identity and personal information was lost in data breach XXXX paid for my identity Protection Service due to the XXXX data breach that I am an increased risk of identity theft to monitor my social security number and all bank accounts and any other identity related factors the letter stated that I should monitor my everything very closely. I already had a bank account with a credit union however by law Credit Unions not cash Federal bonds they can only be cashed at commercial Banks. Six months prior to recovering letter my credit union account out of nowhere had fraudulent activity on it and something tried to wipe out my account completely and almost successfully did so but did not confirm the correct area code. And that I had just gotten that straightened out with my credit union and that I had just gotten this letter three months ago this occurred in XX/XX/XXXX telling them I got the letter 3 months prior prior to XXXX XXXX is when my credit union account was compromised why I did not want my money in a bank account with any connections to the internet or online banking what day is shared me my money would be safe is protected if any money is missing from your account ever it is refunded in claim of loss. \n\nMonths XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX my account activity was normal up until early XX/XX/XXXX I accidentally left my newly chipped card in the chip card reader instead of swiping I never had a chipped before I accidentally left in the card reader at a gas station almost 6 hours when I went back to the gas station to retrieve my card I called Bank of America immediately to check for any fraudulent activity while my card was not in my possession said there was no card activity during that time that I do not have to get a new card number or anything I have nothing to worry about. \n\nEverything happened on my account until the end of XX/XX/XXXX when I started to notice my account might be off by XXXX or {$100.00} but my account had over {$12000.00} in in it. \nXX/XX/XXXX was an expensive month I had to transfer my vehicle to XXXX and pay all the DMV fees and start a new insurance policy and it just so happened to fall right around the same time I had to pay my Room & Board whatever you want to call it rent I spent around {$1500.00} on that alone in total over the course of a 10 transactions whether it be me pull money out of the ATM and cash or I used the card directly I Justified every transaction until it happened again but this time the {$1500.00} I thought I spent looked more like {$3500.00} or {$4000.00} at that time within a week I had to get my medication filled which was {$500.00} but my prescription lasted me a few months so that transaction made so what should have been around {$2000.00} from XXXX was less than {$9000.00} when I brought it to their attention that there is a serious issue this was XX/XX/XXXX when I can say return everything back to this point I had control of my account and I just started to lose control and I put my trust in to Bank of America calling them on a daily basis to inform them of and what 's going on that I had specifically asked the representative to notate on my account there is documentation of the event and that I am not held responsible I am at a loss and I kept telling them I sure hope you guys you guys keep your word that my money is protected and I will get this back I scheduled phone calls back with Advanced technical support Representatives look over all of my account activity and any additional factors take money out of my account without being picked up on. I received one call and the representative said there are too many things to go over with on the phone but I assure you we are looking at over we will be in back in contact I never received another phone call and I thought that I had the right branch of the bank taking care of this issue. So I went back to being the normal me that did n't feel like I had to check my bank balance often as long as I was sticking to my budget I have XXXX XXXX and I get distracted and if I go and start checking my I may go far in depth in it waste hours of time it 's it 's hard working against yourself but that also factored into why I did n't always check my balance I always just thought my money was safe and like the bank said it 's secured and I 've been waiting for the call back from the person from the bank and two weeks gone by and I did n't hear from them when I would try following up with the bank to get them myself the representative with no notate my account that I called in regards to why I have n't heard back from the person and was informed I should be waiting for a phone call from that person still so I was not proactively doing anything about my bank account Bank of America just basically told me that just so I would stop calling them because I never received any other phone calls back and I would call them to ask why have n't received a call back yet and I have n't had an update and I needed to know what happened to that {$2500.00} that was is unaccounted for by now a month-and-a-half later {$5500.00} and my total monthly spending should be {$750.00} but it 's only been a month and a half I 'm only halfway through the month! {$750.00} for everything for that month I wo n't spend it for another 2 weeks when the month is over XX/XX/XXXX {$550.00} - {$2200.00} It 's like every time I check my account my balance was cut in half or just shy of it. \n\nSo I put the claim in and I discovered the discrepancy with the ATM the phone service and app. \nAt that same exact time my XXXX account got hacked, and someone claiming to be my acquaintances on XXXX was trying to extort {$1000.00} out of me which I immediately made a police report about and all the evidence of the XXXX hacking conversation that the person blackmailing me texted trying to extort the money out of me and the connection with why my XXXX account and Bank Bank of America account are connected. \n\nI was unsuccessful at having my pictures of the screenshots of being blackmailed located due to the way the files are uploaded onto the website I can not view photos I must upload the other photos photos as proof","date_sent_to_company":"2017-08-31T09:17:35.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"349XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2655328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-08-31T07:31:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I explained to the bank of America 3 months ago the letter I received why I need to cash this Bond and have it in cash as documented in the upload I am attaching in the uploads too short and sweet in it I received letter from XXXX about while I had XXXX for my mobile carrier the XXXX data breach and my <em>identity</em> and personal information was lost in data breach XXXX paid for my <em>identity</em> Protection Service due to the XXXX data breach that I am an increased risk of <em>identity</em> <em>theft</em> to monitor my social"],"issue":["Problem caused by <em>your</em> funds being low"]},"sort":[9.214707,"2655328"]},{"_index":"complaint-public-v1","_id":"4495856","_score":9.084383,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Attention : Executive Re : ID Theft, Fraud, Gift Card Fraud, Payment Fraud, Account Take Over From : XXXX XXXX XXXX Card # XXXX ( Identity Theft, Account Take Over, Gift Card Fraud, and Payment Fraud ) Dear XXXX Fraud Team : Myself and my family are victims of Identity Theft, XXXX XXXX XXXX and Payment Fraud! \n\nWe are in contact with all of our bankcards companies as all were hit by this ring of fraudsters. \nLet me provide you with some context : 1. My laptop was stolen from my XXXX XXXX XXXX in XXXX, FL XX/XX/XXXX. At this time, the XXXX contacted the XXXX Police and both they and the police questioned all employees who had been in out of my room. They report that they did not believe any were involved in the theft, closing the case for the XXXX. \n2. I met with the XXXX XXXX, providing him an account of what happened and that the next day, after going out for dinner the night before, the Laptop came up missing, along with the backpack and other items that were in the bag. ( This report is in with these docs ). This caused my initial incidents of fraud. This all needs to be handled, as do the bounced ACH payments since they all came from BofA, XXXX XXXX ( with BofA XXXX, XXXX and XXXX XXXX XXXX XXXX  ( with others ) where I dont have any checking or savings accounts! This was not at all me and I have proven as much. In fact, if your bank wants to have me on the phone or needs XXXX party authorization, you may have it and you can verify this all yourself as well. Before This all started, I had a XXXX XXXX XXXX XXXX, I am XXXX XXXX XXXX, and I dont play around with my credit at all! \n3. I contacted XXXX upon having my laptop stolen had them promptly place a lock on my XXXX account, asking if anyone had attempted to access my cloud account in the previous XXXX hours ( during hotel and police investigation ). I was informed yes and that someone was in it at the very time we spoke. I then asked if they could identify an XXXX address but they could not and that it appeared it may be an unsecured public Wi-Fi. At that point they terminated access knowing it was not me that was in my XXXX account. After purchasing a new computer, I reset my cloud but purchased an upgrade for Secured XXXX  which requires XXXX XXXX, picture of myself from my computer at the time of login, and a thumbprint scan that is available on my XXXX XXXX. This may sound like overkill, but I do not want this to over happen again. This new service costs me $ XXXX and in the long-run I know it will be worth it! \nThis is where the fraud gets worse. Note : I am a XXXX XXXX XXXX XXXX XXXX ), and a XXXX XXXX XXXX XXXX via ( XXXX ). I am not going to go into my job details, but I spend a lot of time on XXXX XXXX and/or XXXX working with various banks and authorities to track down and stop major XXXX XXXX and XXXX XXXX rings. The police ( reports included or you can order updates ) and I believe these fraudsters came after me hard due potentially to finding out what I do for a living ( trying to teach me a lesson ) and stop me from investigating rings of bad people. \n\nXXXX. From XX/XX/XXXX XX/XX/XXXX I was in XXXX XXXX on a job assignment. This is when the bulk of the fraud took place! The police believe the fraudsters were watching me through the XXXX XXXX, through hacks into my network and through calls I regularly make through my computer XXXX XXXX, XXXX, XXXX for XXXX, etc. ) XXXX. The fraud started to hit early in my stay in XXXX XXXX and the police/my XXXX XXXXXXXX both believe I was spoofed ( first I heard of this practice was from the police ). The reason for this is that one of the police investigators texted me XXXX times and it didnt come through. Then he texted my wife and it did. Finally he texted me again and nothing! He then asked that we call my XXXX  XXXX ( XXXX XXXX. We spoke to a Rep and one of the things he remarked on was that I had recently removed my XXXX calling. I place it on or off depending if I am traveling abroad for work. He said, It says here that you were to be in XXXX XXXX XXXX XXXX  ) for much of XXXX and XXXX? I told him I was and that I had recently returned so I shut it off. Then he said, There is some strange activity while you were gone because there are calls received/outgoing in the XXXX and texts being received in the XXXX as well. Then he said I think you have been spoofed! The cop nodded in agreement and said, I see this all the time. I had heard of this but never actually seen it first-hand and now it was happening to me! The Rep sent me to their fraud team and they added some additional controls to help stop this but admitted they are not perfect but should help a bit. One of the Technicians said, These guys are so technical and always seem to be one step ahead of us.\n\n6. As you will see there are a bunch of charges at places like XXXX  and XXXX XXXX. I have been told by one creditor that the fraudsters even called in pretending to me. This is creepy! Then I heard from my wife that XXXX had called both her and my daughter to verify my identity???? Yes, they really called my XXXX XXXX! They both validated my identity, my XXXX didnt know what for, but my XXXX figured that since I was in XXXX  the bank was just performing due diligence. All around very strange though. Anyhow these fraudsters ran up a bunch of debt on all of my bankcards using gift-card fraud! \n7. As has been validated by my itinerary attached, I came home on XX/XX/XXXX from XXXX to an absolute mess I found out about on XX/XX/XXXX. I went though everything and all of my major cards had been hit! I couldnt believe what I was seeing and it scared me! I couldnt believe the banks and the stores had allowed this and knew it was going to be a pain for me in the near future, so I called all my credit card companies, reported it, and they sent out new cards. I also gathered a ton of evidence and completed my XXXX XXXX XXXX but this one for fraud. Bank of Americas card number is included at the top of this letter. \n8. I next filed fraud warnings on all three bureaus and placed a freeze on all of my familys credit files, including my XXXX yo! When I found out that someone was impersonating me, I quickly filed a report with the TX Attorney General, the Federal trade Commission and filed another police report but this time for Identity Theft. All of this has been kept up to date with the officers and agencies I contacted. I also disconnected everything from XXXX, etc. but was shocked and mortified because I have always been very careful! \n9. I next contacted the Texas XXXX XXXX and made arrangements for my entire family to get new XXXX XXXX and due to XXXX we had to drive as a family, XXXX hours each way to take care of this right away. The cost of each license was {$48.00} per person x XXXX people = {$190.00}. We were all supplied all new XXXX numbers and had new pictures taken. Finally, I also contacted the Passport office in XXXX, making an appointment, during XXXX restrictions again, got new pictures of each of us completed, and headed to their office in Downtown three days later. I had to ask for rushes on them because I wanted to be sure my family was as safe as possible. The cost for each is as follows XXXX XXXX  XXXX and XXXX for myself and my XXXX {$140.00} each x2, passport book for my son {$110.00} x 1, Passport book for my minor daughter {$110.00} x1 and 4 x {$60.00} for the expedited fees ). The total for this is = {$740.00}. We all now have new Passport numbers. Keep in mind since these are replacements and new passport numbers, we only get the remaining number of years left, so mine, for instance, is due for renewal in 4 years, rather than 10 years. Lousy but I feel a bit safer now. I can say this, if we were allowed to change our Social Security Numbers and adjust our birth certificates, I would have done this as well. Of course, this is not possible. \n10. Then the evidence I collected, and the processes I followed, were gathered and given to every creditor, whether I had an open account or not! So, you know, as of today I have sent my evidence to BofA 8 times via fax including this letter and evidence! BofA still has not indicated that they received our information, so I am faxing it again. I also noticed that BofA added back these fraud items. First of all they are not from me or my family, 2nd why has nobody contacted me for proof, and 3rd how can anyone make decisions without the documentation showing proof I could not have done this? This is so terrible and I lose sleep over it nightly. I also found the banks separate departments can not read each-others notes and unless requested, another department is not privy to any of the documentation I had sent in. This has made the process horrendous and now more fraud in different areas has taken place! The XXXX closure team??? has now closed my card because they just dont have access to the notes, nor do they have access to the documentation and there have been so many errors in the process along the way! Your team still hasnt been able to let me know if you have received my docs and what is actually taking place. \n11. The reason that I have been given for closure of my XXXX account with BofA is that I have had too many returned ACH payments. I knew that when I contacted the bank and I let you know what was transpiring. This is ludicrous since you all seem so disparate and dont appear to have a good communication process when items of such importance are handed off. I am scared now that my information is circulating the bank or in trash cans so that others can make things even worse than they have already gotten. This is a very nerve-racking issue and I want it solved as it pertains to me and my family right away. Today I also contacted the CFPB to get involved to help because not many appear to care and I feel like I am being treated as a criminal, when in fact I am far from it! \nFinally, these are the items I am including with this letter : Remember I am handling ID Theft, Fraud, Payment Fraud and Account Take Over and have proved all of these items with one to all of my creditors per my documentation trail that I have provided over and over. Nearly all of the Fraud took place while I was in XXXX XXXX for work XX/XX/XXXX XXXX, a smaller amount in XXXX and again in XXXX, including my Credit Union XXXX XXXX XXXX, and XXXX account takeovers. The thieves cleaned out my checking account at my credit union and kept posting fraudulent ACH payments to my XXXX, XXXX XXXX and XXXX accounts, compounding the issue! THESE PAYMENTS ARE NOT AUTHORZED BY ME AND DO NOT COME FROM ANY BANK ACCOUNTS I AM A XXXX ON! \n\nI am supplying all of the following docs 1. Police report from XXXX XX/XX/XXXX XXXX. XXXX Police report cards ( front and back ) and if you want copies, you can order them as they have been updated 3. My XXXX XXXX from XXXX XXXX ( I was not here during the vast majority of fraud period! XXXX 4. The XXXX XXXXXXXX 's names, badge numbers and email addresses - All will testify for me as needed but they would like Bank of America to resolve before I have to go there. I love my relationships, but they need to back me up in my time of need! \n5. Texas Attorney General Report 6. Credit report portion showing I filed my ID theft and fraud with all 3 bureaus ( included my wife and my kids as well ) 7. Report log and letter from the FTC I would like a call from leadership on all of this! I want my credit/credit lines restored and Im pleading for assistance as I have always been a customer in good standing! The Fraudsters came after me this hard because of what I do for work and the pattern is so obvious. My job is not that of a normal banker and thats obvious! The thieves are trying to take me out so that I stop going after them. Closing my accounts is not the solution! You will get my government credentials removed, and I will have to file bankruptcy, all because of bad people! I am not going to let fraudsters of any sort ruin my excellent credit history in the long-run, and if I must go to court with Bank of America ( dont want this ), I will allow a judge to see everything in black and white! As for the payments returned to my account on, I have contacted the authorities and done all I can as a consumer. All I asked is Bofa stand behind me in this time of trouble and it has been one heck of a nightmare that continues. I ask that you allow me to do what I do as a professional and go after these fraudsters together! All I am asking is for help and assistance to help clear all of this up since NONE of the ACH returns came from any of my accounts. This is simply fraudsters doing everything they can to ruin me and right now BofA is allowing it! \n\nI am far from being a fraudster, never having issues of this magnitude as a consumer to deal with, and I have just been caught up in situations beyond my control. From what I can see, I have not done anything wrong. Its evident to myself, my wife, the police and my attorney that I have been defrauded and then not assisted by so many people, after finally being able to really do my job with my major travel bans being lifted in XXXX due to Covid, and therefore cracking down on some large fraud rings with local, national and international authorities. All I ask is to be understood since I am hurt very badly at this point! \n\nPlace yourself in my shoes for a moment. I have had to be provided prescriptions for XXXX XXXX XXXX and XXXX because of all of this, and trying to get it under control. To this point Bofa and others are making it worse, not better and you have not communicated with me at all unless I call you! I really need assistance here since I have great supporting documentation and an excellent timeline of all events that I can present to anyone. Due to all of this stress, I am sure I have been confused or misspoken a few times, especially as what was thought to have happened changed as evidence was received. This is awful and trying to go through every area as I have come to learn about it has been increasingly stressful as a consumer and the bank is not helping me clear this all up. Gosh darn it! This fraud, etc. has not been perpetrated by me and I need to be able to function again as a normal human being! Please HELP ME!","date_sent_to_company":"2021-06-26T21:06:50.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"77095","tags":null,"has_narrative":true,"complaint_id":"4495856","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-06-26T20:58:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Attention : Executive Re : ID <em>Theft</em>, Fraud, Gift Card Fraud, Payment Fraud, Account Take Over From : XXXX XXXX XXXX Card # XXXX ( <em>Identity</em> <em>Theft</em>, Account Take Over, Gift Card Fraud, and Payment Fraud ) Dear XXXX Fraud Team : Myself and my <em>family</em> are victims of <em>Identity</em> <em>Theft</em>, XXXX XXXX XXXX and Payment Fraud! \n\nWe are in contact with all of our bankcards companies as all were hit by this ring of fraudsters. \nLet me provide you with some context : 1."],"issue":["Closing <em>your</em> account"],"sub_issue":["Company closed <em>your</em> account"]},"sort":[9.084383,"4495856"]},{"_index":"complaint-public-v1","_id":"14413306","_score":8.346458,"_source":{"product":"Prepaid card","complaint_what_happened":"URGENT FORMAL COMPLAINT : Gross Negligence, Repeated Fraud, and Unjust Denial of Claims by Bank of America EDD XXXX XXXX XXXX Account XXXX in XXXX Total Stolen : Nearly {$40000.00} Dear Consumer Financial Protection Bureau, I am writing to file an urgent and comprehensive formal complaint against Bank of America XXXX Prepaid Card Services regarding a catastrophic series of events that has resulted in the theft of nearly {$40000.00} of my California unemployment benefits. This ordeal, spanning over five years, is a clear demonstration of gross negligence, egregious corporate misconduct, and a complete disregard for consumer protection that has led to profound personal suffering, including homelessness, eviction, and severe emotional and financial devastation. \nXXXX. Account Establishment and Initial Unresolved Access Issues On XXXX, an unemployment insurance prepaid debit card account was opened on my behalf by the California XXXX XXXX Bank of America to receive my bi-weekly benefits during the pandemic. I was informed a debit card would be sent for access to these funds. \nFrom the very beginning, I never received a physical debit card. This exact scenarionot receiving a card, reporting it lost or stolen to Bank of America, and a new one being re-issuedrepeatedly occurred more than 5, but less than 10 times. Each time, Bank of America representatives reassured me my funds were \" 100 % secured and safe '' and advised me to simply \" keep an eye out '' for the new card. My efforts to protect my mail, including reporting ongoing mail theft to local authorities ( Police Report # XXXX ), were tragically unsuccessful. Despite these repeated warnings and my proactive measures, Bank of America failed to implement any effective security protocols or provide alternative methods for me to access my legitimate funds. \nXXXX. XXXX XXXX XXXX and First Theft of Funds My inability to access funds had devastating consequences. Approximately XXXX months into the lockdown, my fianc, who was financially supporting us, tragically passed away at only XXXX XXXX XXXX on [ approximate date of fianc 's passing ], just one week before our planned wedding. This left me in an unfathomable state of grief and without financial support, while Bank of America continued to withhold my funds with \" the same old story. '' The situation culminated in my eviction from my home on XX/XX/XXXX, at XXXX a.m. This was a direct result of Bank of America holding my money \" UNSAFELY HELD XXXX, '' denying me access to the funds I needed to pay rent. This eviction led to the loss of all my belongings, left an eviction on my record ( severely impacting future housing ), and forced me into homelessness, literally sleeping outside in a park. I was entirely dependent on food stamps to avoid physical starvation. \nDuring this period of extreme vulnerability, I contacted Bank of America again. It was then, to my profound shock, that I was informed my account had been \" completely 100 % emptied to {$0.00} '' by an unauthorized individual. This criminal had illegally accessed one of the physical cards repeatedly stolen from my mailbox and, through research I've gathered, acquired my private identifying credentials to activate it. The emotional distress upon hearing this news was overwhelming, triggering a full-blown XXXX XXXX, immense grief, despair, and a feeling of complete betrayal and fury. Despite my suspicions of fraud, I immediately reported the unauthorized transactions and opened a claim for approximately {$26000.00}. This initial claim was denied without any explanation in the very early days of my homelessness, leaving me utterly destitute. \n3. Undisclosed Claim Reversal and Second Theft of Funds Approximately nine months after relocating to XXXX, California ( where I managed to secure temporary housing with a family friend due to my eviction record ), I received a confusing email from Bank of America about \" recent activity '' on my account. As I believed the account was closed after the initial denial, I was alarmed and contacted them. \nTo my astonishment, I learned that Bank of America had unilaterally reversed the denial of my initial claim and approved it with no communication or notification whatsoever to me. Crucially, despite the account 's documented history of being compromised by mail theft and fraud, Bank of America failed to implement any necessary security precautions. They did not close the compromised account, did not reopen a new account with a new number, and did not consider alternative secure options like sending a check. \nPredictably, and horrifyingly, immediately after these funds were approved and deposited into the previously compromised account, they were \" totally liquidated and spent all the way down to the last penny. '' The only email notification I ever received from Bank of America throughout our entire relationship was after this second theft, informing me the account was empty. \nXXXX. Continuous Denials, Bogus Explanations, and Obvious Stonewalling ( Claim No. XXXX ) Upon discovering this second theft of approximately {$22000.00}, I initiated a new claim ( Claim No. XXXX ) on XX/XX/XXXX. During this process, for the very first time, I actually received a physical debit card, albeit for an account with no funds. \nThis claim has been denied and required reconsideration over XXXX times. Each denial letter is an identical, seemingly automated response stating, \" during our research, we identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use your card or account. '' I have been more than vigilant, providing extensive documentation, including : * Original police report from mail theft. \n* A more current police report. \n* Documentation proving I am a victim of identity theft via an Equifax data breach ( dating back to XXXX ), demonstrating my PII was compromised. \n* A federal IRS identity theft affidavit form. \n* My written reconsideration requests as mandated by Bank of America after XX/XX/XXXX, which stipulated new documentation for each appeal. \nDespite repeatedly requesting the specific documentation Bank of America relied upon for their denials, as they are obligated to provide, I have never received any such supporting documents from them. This lack of transparency, coupled with identical denial letters, strongly suggests an automated, AI-generated system that disregards evidence. Supervisors and representatives themselves admit they have never \" seen with their own two eyes '' or spoken to a human from this \" reconsideration team, '' further solidifying my suspicion of a non-existent or automated department designed to deny legitimate claims. \n5. Bank of America 's Own Evidence Contradicts Their Denials On XX/XX/XXXX, in response to a complaint I filed on this website, XXXX XXXX XXXX Bank of America ) provided a denial that at least offered specifics. She claimed denials were based on me being \" in the same place that the transactions were made. Based on account address. '' I directly countered this with irrefutable legal documentation : * Legal eviction documents signed by the sheriff ( XX/XX/XXXX ), proving I was no longer living at the address where they claimed I had on file or where cards were continuously sent and stolen. \n* A one-year lease agreement ( XX/XX/XXXX- XX/XX/XXXX ), proving I was living in an entirely different city and county, far from where any of the disputed transactions occurred. \nDespite this overwhelming evidence, on XX/XX/XXXX, Bank of America issued another denial letter stating, \" your written request didn't include new information or documents supporting your claim. As a result, your claim will continue to remain denied... we identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use your card or account. '' This is a blatant and insulting disregard for concrete legal proof. \nAdding insult to injury, I was evicted a second time from my residence due to non-payment, again directly because Bank of America refused me access to my rightful funds. This second eviction compounded my homelessness, forcing me to live in a tent on a river bottom, further hindering my ability to pursue this case. \nXXXX. Bank of America 's Own Admission of Fault Most critically, after moving to XXXX, California, I received a letter from Bank of America XXXX XXXX Department providing me a check for over {$8100.00}. This check was \" owed to me for the financial harm that I have endured from not having access to my account nor the funds in this account during the impact dated period of XX/XX/XXXX, through XX/XX/XXXX. '' This is Bank of America 's own unequivocal admission that I had no access to my account or funds during the very period when the two major thefts occurred, directly contradicting their repeated denials that transactions were \" authorized by me or someone with my permission. '' I immediately sent this as \" new documentation '' to their claims department, expecting it to finally approve my claim. It was immediately denied again with the same generic \" no new information '' excuse. \n7. Demand for Action I have exhausted all internal avenues with Bank of America. They have consistently stonewalled me, lied, ignored irrefutable evidence, and shown a complete lack of accountability for their role in the theft of my funds and the subsequent devastating impact on my life. My \" 5-year investigation '' into these matters, documented with overwhelming proof that I have provided to Bank of America , makes it unequivocally clear that this institution has no regard for its consumers and actively covers up its failures. \nI demand the Consumer Financial Protection Bureau intervene and compel Bank of America to : * Immediately reimburse me the full amount of all stolen unemployment benefits, totaling nearly {$40000.00}. \n* Provide full compensation for the immense emotional distress, two evictions, homelessness, loss of all belongings, and continued financial and personal devastation directly caused by their gross negligence and predatory practices.\n\n* Conduct a thorough, independent investigation into the Bank of America EDD Prepaid Card Services, specifically addressing their claims process, security failures, and the alleged automated denial system.\n\n* Hold all responsible parties within Bank of America accountable for their actions and inactions.\n\nI have provided Bank of America with every piece of documentation I have acquired. I implore the CFPB to review this egregious case and ensure that justice is served. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-02T23:13:24.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"92604","tags":null,"has_narrative":true,"complaint_id":"14413306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-02T22:30:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Each time, Bank of America representatives reassured me my funds were \" 100 % secured and <em>safe</em> '' and advised me to simply \" <em>keep</em> an eye out '' for the new card. My efforts to protect my mail, including reporting ongoing mail <em>theft</em> to local authorities ( Police Report # XXXX ), were tragically unsuccessful."]},"sort":[8.346458,"14413306"]},{"_index":"complaint-public-v1","_id":"13300749","_score":8.343856,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear financial protection bureau of America, I would like your help. I have had extreme financial abuse since XXXX and I know you have savvy investigators, hard-working Americans that investigate fraudulent activity, unauthorized charges and identity theft by large bank in XXXX. \n\nWe must stop the fraud that destroys wealth in XXXX. I believe we should be working hard in XXXX and creating wealth not destroying it. \n\nSince XXXX Ive been a victim of fraud, identity theft, and loss of money that I earned by very hard work and investments, by Chase Bank. I wont be able to go over every transaction but I will give you an example. \n\nOn XX/XX/XXXX I had a ATM debit from a non-Chase ATM for {$72.00} and a three dollar ATM fee by Chase Bank. As you savvy bankers know the ATM is not going to approve a {$72.00} withdrawal at a no Chase ATM. ATM withdrawals are in multiples of 20s up to $ {$500.00}. The second thing that happened on the specific transaction was the address for the transaction and where the ATM was located was in XXXX XXXX. I know for a fact, and I have many many witnesses that I was in XXXX XXXXXXXX XXXX  specifically XXXX XXXX working for a little company. Actually, I think I was working selling products on XXXX. Ive never been to XXXX XXXX in my life and of course it said it was non-Chase ATM withdrawal so they charge me three dollars. \n\nLike I said, Ive been a victim of identity theft, fraud and horrible abuse by banks especially Chase. \n\nI have hundreds of documents that your agency or agencies that you wan na contact can review and look over if you would like please just let me know what you need. I dont think I can add documents to this email. \n\n\nAnother example oh this financial abuse was in XXXX, I was XXXX XXXX XXXXXXXX with my son and there was a large amount of fraud happening on my Chase Bank account. I called it. They shut down the card. I had to have my sister and family buy me an airplane ticket and food back to XXXX XXXX. This has been going on for XXXX years or longer so when I talk about it, no one wants to hear about it and Ive been hurt and locked up in a psych ward for speaking the truth in XXXX. \n\nNo one has believed me and I have evidence in documents of this. I dont believe all banks steal money from their clients but some banks do and ChAse is a number one bank with {$3.00} trillion and theyre probably printing money in their basement lol. No the federal reserve prints money and distribute it to banks, but banks are also giving out loans. They are the ones that are building skyscrapers and renting out the space. Banks run the the world, but they also are stealing from specific clients and if you talk about it, youre locked up in mental institutions, which is really sad because I have documented proof. \n\nIve contacted the Federal Reserve I think many times and I dont know if Ive contacted the consumer finance bureau that protects American banking customers but I have contacted several agencies that are government and not had any response. I believe and I will keep reporting this financial devastation to government agencies until I am paid back and until I can regain my life. I believe I owed a couple million dollars for the pure abuse that continues to happen not to mention the {$7.00} million that has been taken from my wealth.\n\nI also know Chase Bank has {$3.00} trillion and is the richest bank in the world. I believe they set up fraud and take money out of peoples accounts and understand how it works so they also report it and other banks get fined and they collect that money to build their wealth. \n\nI understand that a bank earns money by selling their money or loaning it out, and they collect interest. But I truly believe that bank steal from banks by getting an account number and a routing number and taking money from another account via ATM withdrawals fees or false withdrawals by a company. For example, if I shop at XXXX every month, they may take an extra withdrawal from XXXX knowing that it might be me it might not be me, but they know what they do and the banks that does it reports it to a government agency and it is investigated, and there are large fines associated with it. \n\nI dont need to explain banking to your agency at this point I was going to, but I have been talking too much into my app. I just wan na your agency to know that I have hundreds of documents that you can review to see if Im telling the truth I would like Chase Bank fined, Jpmorgan Bank in XXXX XXXX that says I have an account and that Im the primary beneficiary of the account, XXXX XXXX XXXX fined And XXXX XXXX fined. \n\nI wan na apologize in advance that this is kind of a long story because its taking me a long time for me to understand banking and investigate how this continues to happen to me. Im terrified now of losing all of my money that I created and that my family created and being a XXXX XXXX  because of this horrible fraud, deception and stealing of my personal wealth. \n\nI also learned that its a XXXX year federal jail sentence for anyone that is stealing money out of a bank account and a {$1.00} million fine for the bank that is doing it or company that is doing it. I can say with 100 % certainty that Jpmorgan Chase, Bank and XXXX XXXX need to be fine large amounts of money that can go back into the federal reserve. I would like to be the one that reported its and Im thinking of telling XXXX about this Which I know the federal reserve would not like that information announced on television because it could destroy the XXXX economy. People would not feel safe putting their money into banks they would hide it under their beds and Cash. \n\nThe only thing I could think of is, I had a bank named XXXX XXXX that was managing my money in XXXX XXXXXXXX XXXX  since XXXX. I also had a bank account with XXXX XXXX XXXX XXXX and way banks can create wealth is they can take your account number and routing number-and they know all of your information and they can steal money from you and then make reports under fake or false identities and collect the large fines. \n\nI reported some of this information to the Federal Reserve a couple of years ago and Ive probably reported this to the FBI. I see XXXX and other agencies that I deemed appropriate. I do not know what agencies are really versed in severe investigations of putting Fraud to an end. Chase Bank does not want to be fined large amounts of money so it closes my accounts and shuts me down and causes me stress of looking for a new bank account so I cant report the fraud. \n\nThey also say that the fraud is invalid well I know its not invalid. Its been going on since XXXX. Maybe it was XXXX bank maybe it was XXXX XXXX XXXX XXXX maybe its XXXX XXXX or another bank stealing from another bank but bank steal from banks. \n\n\nXXXX XXXX and Chase Bank and people up high in the company know how to commit fraud, identity theft, unauthorized charges and steal money from consumers while shutting down their accounts, making them valuable to the operation. \n\n\nAnd sadly when I spoke about the banking fraud and large unauthorized charges I never received the money back and my account was shut down at Chase Bank and several other banks like I said I cant get a bank account today and I have over {$11.00} million. Thats depleting very fast. \n\n\nXXXX XXXX, they called my dad and said that I need to be institutionalized which is very sad. \n\n\nI know the consumer financial protection bureau knows banking can be extremely complicated, but I also understand that it is a process to investigate all the fraud thats going on in XXXX right now and all the unauthorized charges. Im telling you that this needs to end because Americans cant be wasting hours of their life, trying to recover money that was their earned by a job or investments. \n\nXXXX should be working creating more wealth and making XXXX a better country. We all can work harder at creating better things. \n\n\nIts funny. I have a lot of faith in the government agencies because I know theyre no XXXX and they want to protect XXXX \n\n\n\nWe have a beautiful country with a lot of organizations and I think I have reported this to the wrong organizations in the past. I understand that the federal reserve is what monitors monitory policy in the United States. \n\nAnd I could talk about the Federal reserve for hours, but Im just mentioning that right now. \n\nLike I said, a Conservatorship, of person and estate went into fact and my XXXX XXXX XXXXXXXX was doing a Fedwire into my Chase bank account and it says that Im the beneficiary of an account at Chase Bank in XXXX XXXX XXXX. I took many pictures of it whenever I try to look into that account it says I dont have an account. XXXX XXXX is my Conservator of person and XXXX collects money from my money manager and a couple years ago did fed wires into my Chase Bank account. She has to have my account number and routing number to do the XXXX. I dont know how to do a XXXX although I am a fed with the experience of banking. Ive been dealing with for XXXX years. \n\n\nHere is a picture of the fed wire Thats why Chase Bank is worth {$3.00} trillion and theyre on every corner block in the city and even in rual areas. \n\nBecause I believe theyre stealing XXXX money and shutting down the accounts if the consumer reports it and theyre also using false identities to collect fines from the government agencies that are working really hard to stop this abuse. \n\n\nXXXX XXXX XXXX is the central bank of the United States. It performs five general functions to promote the effective operation of the U.S. economy and, more generally, the public interest. The Federal Reserve * conducts the nations monetary policy to promote maximum employment, stable prices, and moderate long-term interest rates in the U.S. economy ; * promotes the stability of the financial system and seeks to minimize and contain systemic risks through active monitoring and engagement in the U.S. and abroad; * promotes the safety and soundness of individual financial institutions and monitors their impact on the financial system as a whole; * fosters payment and settlement system safety and efficiency through services to the banking industry and the U.S. government that facilitate U.S.-dollar transactions and payments ; and * promotes consumer protection and community development through consumer-focused supervision and examination, research and analysis of emerging consumer issues and trends, community economic development activities, and the administration of consumer laws and regulations.\n\nIts funny because a beautiful woman who I talk to you once in a while and I talk to her husband used to work for the Federal Reserve. Her name is XXXX XXXX. \n\nI have pictures of my bank statements that dont add up with the accounting. \n\nMy story is a true and my nightmare began then that led to a lot of horrible other things that have caused traumatic injury to myself and my lifestyle. \n\nI am seeking help from your to bureau and you are welcome at any time to review all the court documents I have I have hundreds, unfortunately. \n\nI also have hundreds of documents from XXXX XXXX where the Fraud originally started I believe. \n\n\n\nI have lost a lot of money, and I never shouldve lost this money. It shouldve been wisely and prudently invested. I live on less than {$100.00} a day, and my money has been destroyed by fraud and unauthorized charges and stealing of banks by banks. I truly believe the Professional money managers like XXXX XXXX know how to make money because that is their profession. They also know how to steal. \n\nInstead, they stole money out of my Chase account. Locked me up in mental institutions for reporting it and complaining about it every month saying I was crazy while they continue shutting down my bank accounts constantly so now I cant get a bank account when I have over {$11.00} million. I cant get a bank card. I cant get a credit card and theyve destroyed my life financially taking over {$7.00} million.\n\nThank you for taking your precious time and reading my report. I also look forward to working with your bureau to end the destruction of financial trauma in XXXX again we should be building wealth not destroying it. \n\nThank you so much. I look forward to hearing from you. \n\n\nPlease call me at XXXX. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T20:22:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90069","tags":null,"has_narrative":true,"complaint_id":"13300749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-02T12:46:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Dear financial protection bureau of America, I would like <em>your</em> help. I have had extreme financial abuse since XXXX and I know you have savvy investigators, hard-working Americans that investigate fraudulent activity, unauthorized charges and <em>identity</em> <em>theft</em> by large bank in XXXX. \n\nWe must stop the fraud that destroys wealth in XXXX. I believe we should be working hard in XXXX and creating wealth not destroying it."]},"sort":[8.343856,"13300749"]},{"_index":"complaint-public-v1","_id":"11421179","_score":8.038751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My entire credit report has been hacked and has erroneous negative accounts and must be corrected immediately according to 605B and 15 USC 1681. I have attached a copy of each credit report Credit Scores Print TransUnion XXXX Very Poor Updated XXXX XXXX, 2025 XXXX XXXX Very Poor Updated XXXX XXXX, 2025 XXXX XXXX Very Poor Updated XXXX XXXX, 2025 How are my scores calculated? \nPersonal Information Accounts Summary TransUnion XXXX XXXX Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Total Balances : {$12000.00} Total Balances : {$12000.00} Total Balances : {$12000.00} Total Payments : {$430.00} Total Payments : {$430.00} Total Payments : {$430.00} Open Accounts Closed Accounts All Accounts Revolving Credit All Payment Statuses Expand All XXXX XXXX. \nAccount # XXXX XXXX Days Late XXXX XXXX Account # XXXX {$30.00} Past Due XXXX XXXX Account # XXXX {$99.00} Past Due XXXX XXXXk Account # XXXX {$30.00} Past Due XXXX Account # XXXX {$30.00} Past Due XXXX home furnish Account # XXXX Current XXXX XXXX XXXX Account # XXXX Current XXXX XXXX XXXX XXXX  Account # XXXX Closed XXXX XXXX XXXX XXXXXXXX Account # XXXX Current XXXX XXXX Account # XXXX Current XXXXXXXX XXXX XXXX  XXXX Account # XXXX Current XXXX Account XXXX XXXX Current XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX Current XXXX Account # XXXX Closed XXXX XXXX XXXX  Account # XXXX****** Closed XXXX XXXX, XXXX Account # XXXX****** Closed XXXX XXXX card ser Account # XXXX Closed Collections Accounts Debts that have been turned over to a third-party collection agency. \nXXXX XXXX XXXX : {$4100.00} Originator Creditor : Not Available XXXX XXXX XXXX XXXX : {$250.00} Originator Creditor : Not Available collectionsIcon XXXX XXXX XXXX Balance : {$83.00} Originator Creditor : Not Available Who's Been Checking Your Credit? \nYour Credit report has recently been checked by a creditor or lender. \nXXXX XXXX : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX ) XXXX TransUnion XXXX : XXXX of XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX Date of Inquiry : XXXX Contact : XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX TransUnion XXXX : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX - XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX ) XXXX TransUnion Inquiry : XXXX XXXX Date of Inquiry : XXXX TransUnion XXXX : XXXX card Date of Inquiry : XXXX TransUnion XXXX : XXXX of XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Contact : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX MAIL ONLY XXXX Inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX XXXX XXXX XXXX Inquiry : ems-vuhl Date of XXXX : XXXX XXXX Inquiry : XXXX Date of Inquiry : XXXX Contact : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Give us a call XXXX Live representatives are available Monday - Friday, XXXX to XXXX XXXX Saturday, XXXX to XXXX XXXX Sunday, XXXX to XXXX CT Using ScoreSense Overview TransUnion Report XXXX Report XXXX Report Credit Insights Alerts My Score Tools Member Benefits Family Safety Identity ScoreSense Blog ScoreTracker Dispute Center Credit Freeze $ XXXX ID Theft Insurance Help Contact Us FAQs Legal Terms & Conditions Privacy Policy About Us Cookies Settings XXXX XXXX sites help keep you safe from identity theft XXXX credit card fraud, spyware, spam, viruses and online scams XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a trademark of XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX. All rights reserved. \nAdvertiser Disclosure : The credit card and financial services offers that appear on this website are from companies from which we receive compensation. This compensation may impact how and where products appear on this site ( including, for example, the order in which they appear ). This website does not include all financial services companies or all available product offerings. \nXXXX has partnered with XXXX for our coverage of credit card products. XXXX and XXXX may receive a commission for card issuers. \nOpinions, reviews, analyses & recommendations are the author 's alone, and have not been reviewed, endorsed or approved by any of these entities. \n* For complete information, see the terms and conditions on the credit card issuers website. Once you click apply for this card, you will be directed to the issuers website where you may review the terms and conditions of the card before applying. While we always strive to present the most accurate information, we show a summary to help you choose a product, not the full legal terms- and before applying you should understand the full terms of products as stated by the issuer itself. \n** Credit scores are used to represent the creditworthiness of a person and may be","date_sent_to_company":"2025-01-08T05:35:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33417","tags":"Servicemember","has_narrative":true,"complaint_id":"11421179","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-08T05:35:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Safety <em>Identity</em> ScoreSense Blog ScoreTracker Dispute Center Credit Freeze $ XXXX ID <em>Theft</em> Insurance Help Contact Us FAQs Legal Terms & Conditions Privacy Policy About Us Cookies Settings XXXX XXXX sites help <em>keep</em> you <em>safe</em> from <em>identity</em> <em>theft</em> XXXX credit card fraud, spyware, spam, viruses and online scams XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a trademark of XXXX XXXX XXXX XXXX."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[8.038751,"11421179"]},{"_index":"complaint-public-v1","_id":"11421176","_score":8.038751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My entire credit report has been hacked and has erroneous negative accounts and must be corrected immediately according to 605B and 15 USC 1681. I have attached a copy of each credit report Credit Scores Print XXXX XXXX Very Poor Updated XXXX XXXX, 2025 XXXX XXXX Very Poor Updated XXXX XXXX, 2025 Experian XXXX Very Poor Updated XXXX XXXX, 2025 How are my scores calculated? \nPersonal Information Accounts Summary XXXX XXXX Experian Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Revolving Credit Balance Payment {$12000.00} {$390.00} View Revolving Credit Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Real Estate Balance Payment {$0.00} {$0.00} View Real Estate Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Installment Loans Balance Payment {$690.00} {$35.00} View Installment Loans Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Other Accounts Balance Payment {$0.00} {$0.00} View Other Accounts Total Balances : {$12000.00} Total Balances : {$12000.00} Total Balances : {$12000.00} Total Payments : {$430.00} Total Payments : {$430.00} Total Payments : {$430.00} Open Accounts Closed Accounts All Accounts Revolving Credit All Payment Statuses Expand All XXXX XXXX. \nAccount # XXXX XXXX Days Late XXXX XXXX Account # XXXX {$30.00} Past Due XXXX XXXX Account # XXXX {$99.00} Past Due XXXX XXXX Account # XXXX {$30.00} Past Due XXXX Account # XXXX {$30.00} Past Due XXXXXXXX XXXX XXXX Account # XXXX Current XXXXXXXX XXXX XXXX Account # XXXX Current XXXX XXXX XXXX XXXX  Account # XXXX Closed XXXX XXXX XXXX XXXXXXXX Account # XXXX Current XXXX XXXX Account # XXXX Current XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX Current XXXX Account XXXX XXXX Current XXXX Account # XXXX Current XXXX XXXX Account # XXXX Current XXXX Account # XXXX Closed XXXX XXXX XXXX  Account # XXXX****** Closed XXXX XXXX, XXXX Account # XXXX****** Closed XXXX XXXX XXXX XXXX Account # XXXX Closed Collections Accounts Debts that have been turned over to a XXXX-party collection agency. \nXXXX XXXX Balance : {$4100.00} Originator Creditor : Not Available XXXX XXXX XXXX Balance : {$250.00} Originator Creditor : Not Available collectionsIcon XXXX XXXX XXXX Balance : {$83.00} Originator Creditor : Not Available Who's Been Checking Your Credit? \nYour Credit report has recently been checked by a creditor or lender. \nExperian Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX Date of Inquiry : XXXX Experian Inquiry : XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry : XXXX - XXXX Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX ) XXXX XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX MAIL ONLY Experian Inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX XXXX XXXX XXXX XXXX : ems-vuhl Date of XXXX : XXXX Experian Inquiry : XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Give us a call XXXX Live representatives are available Monday - Friday, XXXX to XXXX XXXX Saturday, XXXX to XXXX XXXX Sunday, XXXX to XXXX XXXX Using ScoreSense Overview XXXX Report XXXX Report Experian Report Credit Insights Alerts My Score Tools Member Benefits Family Safety Identity ScoreSense Blog ScoreTracker Dispute Center Credit Freeze $ XXXX ID Theft Insurance Help Contact Us FAQs Legal Terms & Conditions Privacy Policy About Us Cookies Settings XXXX Secure sites help keep you safe from identity theft XXXX credit card fraud, spyware, spam, viruses and online scams XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is a trademark XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX. All rights reserved. \nAdvertiser Disclosure : The credit card and financial services offers that appear on this website are from companies from which we receive compensation. This compensation may impact how and where products appear on this site ( including, for example, the order in which they appear ). This website does not include all financial services companies or all available product offerings. \nXXXX has partnered with XXXX for our coverage of credit card products. XXXX and XXXX may receive a commission for card issuers. \nOpinions, reviews, analyses & recommendations are the author 's alone, and have not been reviewed, endorsed or approved by any of these entities. \n* For complete information, see the terms and conditions on the credit card issuers website. Once you click apply for this card, you will be directed to the issuers website where you may review the terms and conditions of the card before applying. While we always strive to present the most accurate information, we show a summary to help you choose a product, not the full legal terms- and before applying you should understand the full terms of products as stated by the issuer itself.\n\n** Credit scores are used to represent the creditworthiness of a person and may be","date_sent_to_company":"2025-01-08T05:35:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33417","tags":"Servicemember","has_narrative":true,"complaint_id":"11421176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T05:35:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Safety <em>Identity</em> ScoreSense Blog ScoreTracker Dispute Center Credit Freeze $ XXXX ID <em>Theft</em> Insurance Help Contact Us FAQs Legal Terms & Conditions Privacy Policy About Us Cookies Settings XXXX Secure sites help <em>keep</em> you <em>safe</em> from <em>identity</em> <em>theft</em> XXXX credit card fraud, spyware, spam, viruses and online scams XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is a trademark XXXX XXXX XXXX XXXX XXXX."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[8.038751,"11421176"]},{"_index":"complaint-public-v1","_id":"4682657","_score":8.019522,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have been a PAYPAL Holdings INC member for 9 years and theyve processed over {$1.00} XXXX in payments for me. On XX/XX/XXXX I received an email stating that I can no longer use PayPal. I immediately called PAYPAL on XX/XX/XXXX to find out why I was suspended and they would not give me any specific answers. Just stating restricted items. I spent about six hours on the phone trying to figure out why I was suspended with PayPal giving me no answers and refusing to reinstate my account. They told me the decision is final and I can not appeal. \n\nSince I was pretty sure I did not violate PAYPALs acceptable use policy and I know PAYPALs history of wrongfully suspending people I decided to file a complaint with the XXXX XXXX XXXX. I received specific answers through the XXXX  from PAYPAL stating that there were several risk factors associated with my account. Upon reading the risk factors PAYPAL claimed as to why I was suspended I did not recognize any of the information. I will provide the information below however based on the information I received through the XXXX XXXX XXXX I assumed that someone had potentially created a PayPal account in my name. I called PAYPAL upon receiving the information from the XXXX XXXX XXXX  report and XXXX with PAYPAL created a ticket ID XXXX to have my account reinstated. PAYPAL made claims that I received {$2600.00} in friends and family payments and I knew that was incorrect when I called them they confirmed to me that I receive XXXX dollars USD on my PayPal account. PAYPAL also claimed that I had one or more accounts that were associated with my information and that it had limited access. I explained to PAYPAL that I only have one account this one that I created XXXX years ago. After waiting 10 days I received an email simply stating that my account would remain suspended forever. \n\nAfter spending literally hours on the phone with PAYPAL they would not tell me where they were getting this information from they would not tell me why I was still being suspended if they could not prove this information was correct. I explained to PAYPAL that I did not recognize the information I did not do any of it therefore I did not violate PAYPALs acceptable use policy and explained that my account should not be suspended if I did not violate any policies. PAYPAL even went as far as to tell me that if someone stole my information and created another account and did something that I had no knowledge of it would not matter they would still keep my account suspended and that the decision was final. \n\nThe truth is that PAYPAL has been wrongfully suspending people for years maybe the entire time theyve been in business. Based on what it looks like on my end it appears that PAYPAL made up information to suspend my account because they can not verify that any of the information that they provided is accurate or true or that it even happened. \n\nHere is my response to the XXXX  case I have not heard back from PAYPAL at this time. \n\nThe consumer indicated he/she DID NOT accept the response from the business. ) Hi XXXX  I'm sorry I can not accept this as a resolution for the reasons outlined below. I have been in contact with PayPal via phone and explain the situation. XXXX was very helpful and opened a ticket for me which at this time is still in review. The ticked id # is XXXX. Based on the limited information provided it appears someone created an account with my info sent money around and possibly sold a restricted item. \n\nI see that you have reached out to our customer support team via call from XX/XX/XXXX until XX/XX/2021 where you asked for detailed explanation on account limitation and funds being held however, teammates provided only basic information on limitation due to proprietary reason. Below is the detailed explanation. \n\nThe first thing I noticed is I did not receive an email from PayPal about my account suspension until the XXXX of XXXX. Above it states I was in contact starting XX/XX/XXXX which I wasn't. I immediately called PayPal on the XXXX which records will show from my registered phone number. \n\nA recent review of your PayPal account shows that onXXXX XXXX, XXXX, PayPal placed limitationXXXXXXXX on your account as we found there may be excessive risk involved in doing business with you, following risk factors were identified : - Multiple accounts with limited access - Based on a review of your account, we show that you are associated to one or more PayPal accounts which currently have limited access and we can confirm that the accounts share the following information : financials, phone number, email address and address. \n\nI do not have any other PayPal accounts nor have I created ANY PayPal accounts since this one XXXX  years ago. Prior to that I had a personal PayPal account which I stopped using once I opened this business account. I don't see how it's possible to share the same email for separate PayPal accounts and the financial info is also very concerning. I have not seen any transactions come through my bank out of the ordinary and I confirmed with my bank there have been no breaches. \n\nYour account has received an excessive amount of personal payments sent as Friends/Family. In the past you received XXXX payments from XXXX XXXX XXXX XXXX totaling {$2600.00} USD. These payments pose a higher risk of reversal due to chargebacks or ACH returns and are not eligible for Seller Protection. \n\n\n\nI use my PayPal account to take payments for my business and although I sometimes send money to friends and family I knew this amount was incorrect. I confirmed with the agent XXXX that I had only made a single {$40.00} payment as friends and family not received {$2600.00} as stated above so this information was very alarming. I received {$0.00} USD in friends and family payments which PayPal confirmed. \n\nI explained everything to XXXX on my call on XX/XX/XXXX. I told him I do not have any other accounts nor have I created any accounts since opening this one XXXX  years ago. I told him that I definitely did not send {$2600.00} in friends and family payments and he confirmed I paid only one {$40.00} payment and took in website payments. XXXX took my complaint seriously and created a ticket. He said if you didn't do anything wrong we had no reason to suspend you to which I agreed. \n\nThe fact is that I have absolutely no knowledge of the provided information and I know for a fact I did not create any other accounts or send that amount in friends and family which makes PayPal account reflects. After thinking about it I asked myself why would I need to create an additional PayPal account to transfer money around when I already have a PayPal account and can use many other means to send funds if needed. It would literally make no sense for me to even take the time to create an additional PayPal account. \n\nSo even though you said I can not appeal etc in light of this new and disturbing information I request that you look into this situation immediately so we can get to the bottom of this. Not only do I need to get my account reinstated since I have done nothing wrong but also I need to know that my bank account info etc is safe and not compromised. \n\nI had told PayPal agents are over and over again that I did not violate the acceptance use policy since I knew I didn't. Then when I received this info I knew I was correct and contacted PayPal immediately. They are currently looking into this situation and I am expecting that my account will be reinstated since I did not do anything mentioned in this report or violate the acceptable use policy. \n\nIf there was a restricted item sold it was not on my account it was on the account someone created in my name. So what we have here is a case of identity theft. I think you would agree with me that it would not be fair to suspend me because someone stole my identity and created a PayPal account. If that is what happened. \n\nI am here to work with PayPal and I am willing to provide any necessary documentation or information to get my account reinstated. I am also willing to cooperate with any potential investigation. I know for a fact I did not create any PayPal accounts, receive {$2600.00} in friends and family, or sell any restricted items. Therefore I did not violate the acceptable use policy. \n\nI take payments for gold and silver, send and pay invoices etc with my PayPal account. I very rarely send money as friends and family. Therefore if I have done nothing wrong I should not be suspended. This has already disrupted my business and taken a mental toll on me. I have spent hours and hours on the phone with PayPal because I know for a fact I am completely innocent of ANY wrongdoing. \n\nTherefore I can not accept being suspended from PayPal for the rest of my life. I shouldn't be suspended now and I don't understand why ips, devices, etc etc were not checked before suspending me. I can guarantee there were no accounts created on my ip or any of my devices. I did not create any PayPal accounts on any other devices nor did I instruct anyone to create a PayPal account or accounts with my info. \n\nI am hoping that by the time you receive this my account has been re-evaluated and reinstated. I will also remind you that a full security check was done on my account in XXXX. I had to send in documents and everything checked out fine as it should have been. \n\nI am responding to this case to shed some light on the situation and because I only have 10 days. I have had a great relationship with PayPal and once this situation is fixed I hope to continue having a good business relationship moving forward. Again I have done nothing wrong therefore I should not be suspended. \n\nI have emailed you at the email provided but at this time have not received a response. Please look into this situation if necessary as I said PayPal is reviewing all of this information currently in order to move forward with reinstating my PayPal account. \n\nI look forward to your response and working with PayPal again. If you need any additional information please let me know. \nKind Regards XXXX I believe PAYPAL made all of this information up just to give them a reason to suspend me because I have no knowledge of any of it. They would not tell me where they were getting the {$2600.00} from that I supposedly received and they confirmed that I did not have any other accounts in my name. I know I didnt sell any restricted items because all I do is sell precious metals and I did not sell anything out of the ordinary. There have been a lot of people recently showing up in online forums etc. that have been also wrongfully and from PAYPAL. If people violate PayPals acceptable use policy then I guess it is OK for PAYPAL to suspend them. However if PAYPAL is literally making up things to suspend people like they did with me I think you would agree that this kind of business practice has no place in the financial sector. This has hurt my sales on my website taking hours and hours of my time caused a tremendous amount of stress on me and the truth is I did not violate PAYPALs acceptable use policy. \n\nPAYPAL has a history of wrongfully suspending and banning people for the rest of their lives and I believe this business practice needs to be stopped. PAYPAL is hurting innocent business owners, the economy and humanity in general by wrongfully suspending peoples PayPal accounts. I even told PAYPAL that if they had given me a valid reason as to why I was why I was suspended then I would not have even questioned them for suspending me. I have known about PAYPALs history ever since I created a PayPal account XXXX years ago but I never really looked into it too much. \n\nIt is my opinion that these business practices all of them need to stop immediately you can not ban people when they have done nothing wrong you can not hurt peoples businesses when they have done nothing wrong. \n\nI hope you can help me to make sure that PAYPAL does not continue to get away with these shady business practices and wrongfully suspending people and banning them from PAYPAL. Not only did they block my PayPal account they also blocked my Venmo account and they will also not let me check out through an actual PayPal system on websites. So my debit card is even blocked from being able to be used on the PAYPAL system. This whole situation is completely ridiculous on PAYPALs part and should be illegal. \n\nI hope that I have provided enough information for you to be able to take action if you have any questions please feel free to contact me.","date_sent_to_company":"2021-09-01T22:20:19.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"28403","tags":null,"has_narrative":true,"complaint_id":"4682657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-09-01T21:20:29.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["So what we have here is a case of <em>identity</em> <em>theft</em>. I think you would agree with me that it would not be fair to suspend me because someone stole my <em>identity</em> and created a PayPal account. If that is what happened. \n\nI am here to work with PayPal and I am willing to provide any necessary documentation or information to get my account reinstated. I am also willing to cooperate with any potential investigation."]},"sort":[8.019522,"4682657"]},{"_index":"complaint-public-v1","_id":"9056021","_score":7.874172,"_source":{"product":"Checking or savings account","complaint_what_happened":"Ill start by saying that I am on disability and every month on the 3rd I receive a check that is directly deposited into my checking account from XXXX ( Social Security XXXX XXXX ) in the amount of {$XXXX}. This is my only source of income. Ive been banking with XXXX for over 10 years. I am from XXXX but reside in XXXX. Since the move last year, everything has gone down. XX/XX/XXXX was the ignition of this escapade where I stayed at a hotel with my partner with unsecured Wi-Fi and my information was stolen from my computer and destroyed it. Soon after ; odd calls, weird emails, new accounts, and withdrawals from my XXXX account. I realized that I had become a victim of identity theft. Over the course the holiday season last year my account was constantly attack. Around XX/XX/XXXX I reported this to the FBI, Federal Trade Commission, Social Security, and Identiytheft.gov. My account was constantly attacked with charges and transfers, even go as far to gaining access to my mothers credit card accounts that I am joint with. Up in till XXXX, my account would go up and down. Id get my XXXX check in and XXXX or half would automatically offset the overdraft that built up, then it would go in the red again. I had to put in several disputes, some were received, most were chargebacks or XXXX did not favor my side of the dispute even though it was fraud. All the while my XXXX  is constantly being affected by having to spend more money for things I shouldnt have to pay like overdraft fees. In XXXX, as a stop gap measure, I decided to re-route my XXXXI check to a new account that I had opened, XXXX XXXX, to keep it safe. XX/XX/XXXX or so, I made the change with the Social Security XXXX to re-route my check from XXXX to XXXX. In XXXX, I received it in my new account in XXXX. XX/XX/XXXX I was hospitalized for XXXX days. XX/XX/XXXX, I log into my banking app and found out that my XXXX check had been deposited into XXXX. Out of {$XXXX}, only {$XXXX} was left after part of my check went to pay for items that were disputed but charged-back to my account and overdraft fees. I called XXXX and the agent explained to me that they have the right to keep the check and use it to offset the balance owed, and she confirmed with me that they called the Social Security XXXX to have them re-route the check back to XXXX. After the phone call using XXXX I was trying to transfer {$XXXX} to XXXX I had amount left because I paid {$XXXX} for my cell phone bill. The transfer failed, not sure why. This part is peculiar, I went into my XXXX account to try to transfer with XXXX and I had successfully processed a transfer of the {$XXXX} to XXXX from XXXX, stating that it was completed but on hold till the XXXX. Stumped, I tried to log back in to XXXX to check to see if the transfer went through XXXX side but all of a sudden, I couldnt log back into my XXXX account. It came up with an error message, tried multiple times. So I called XXXX back and they stated that the account was locked, they could not speak with me and that I needed to go in a branch to speak about my account. XXXX  XX/XX/XXXX, my partner and I went to the main branch here in town and spoke with a branch XXXX letting us know that the XXXX department had locked the account and noted that I come into a branch to be verified. The lady there was nice and explained to us the status of the account. She verified me. I explained to her what had been going on with the account and what their agents over the phone have been saying. She vehemently denied it was XXXX that had the check re-routed back to them. At one point while reviewing the account the note that she read implored her to make a phone call to fraud to verify that I am at the branch. She spoke with some guy from XXXX, couldnt remember his name and hung up. As the course of the conversation continues, she is making notes on my account as we are talking about the situation the lead up the chaos of the account. I didnt want to have the accounts closed and was worried that they were. I asked her if there is a department to talk to about that other then fraud. She gave me a phone number for a department to help with mitigation of the accounts, I have XXXX XXXX accounts. XXXX opened in XXXX had a - {$XXXX} and the new XXXX account was - {$XXXX}, some disputes were chargebacks, overdraft fees, both accounts where hacked. We even went as much as to come back the next day. XX/XX/XXXX went back to the same branch to add my partner to my second XXXX account. There we sat and spoke with another lady. I chatted with her about the situation, that I was frauded, account was hacked, and I was here yesterday. Again, I asked her how the account is doing, asked her if the account slated to closed, can I still fix it. She said everything looks fine. THE NEXT DAY, XX/XX/XXXX I woke up and log into XXXX and saw that my old account was showing a XXXX balance. I checked XXXX to see if the transfer went through, and no it had not. I called XXXX and they said that they cant talk to me and that I needed to go into a branch. I informed them that I was just there yesterday and the day before. The agent stated that the fraud department noted that I never showed up. In haste I told him that I did fact show up to the branch on that XXXX  he gave me the impression he didnt believe me. He said that I did not go to the bank as I was told to. I told him that is a straight up dam lie! I asked him to connect me to the fraud department and replied he couldnt do that, asked why, he stated there isnt a phone for the fraud department. I then asked for a supervisor, and he replied that they are not allowed to talk to me about the account and that I need to go the branch like I was told to. I was upset and he mentioned I would like him to file a report and I said yes. The conversation tapered off there and we eventually hung up. ( How could I have not been there at the branch when it shows that I withdrew {$XXXX} on XXXX XX/XX/XXXX? XXXX you see that withdraw in the system being done at that branch? ) He got quiet and said to me that he is not allowed to talk to me about it. He then said that he would finish the report and said goodbye. He hung up on me. Serval days pass still with no money in XXXX, almost XXXX weeks of not having any money for food and bills. I still have no access to XXXX, they keep telling me to go the branch and I keep telling them that I already have. I call XXXX on a daily basis asking them about the hold. XXXX said the hold was there because they are still waiting for XXXX to release those funds for the transfer. I am afraid now that XXXX is holding the transfer till I get my XXXX  check next month to offset the second account or wait till the XXXX when the transfer either has to clear and be sent back. That XXXX will wait till then to request the transfer back to use the {$XXXX} to offset that balance. This is illegal. That would mean they have used more the 75 % of my XXXX check for offsetting. From what I know is that they can only use XXXX of the check or have to leave XXXX of it left but not nearly all of it. I believe that XXXX is behind the rerouting of my XXXX  check, effectively putting my money on a constant merry-go-round of endless doubt, where will it be this month or will I have access to it or lock it. They locked my account XXXX times since XXXX, and its been when my benefits check is to be deposited. They are causing confusion, duress, pain and suffering to a point where Ive developed panic attacks and XXXX outs. I have become nonfunctional in the sense I am and who I am supposed to be towards my family and friends. I dont enjoy life anymore. Why should I? They chose not to help me in a time of crisis when I first arrived here in XXXX, staying at a hotel of horrors for XXXX months with my partner invested with roaches and bed bugs. Resulting in bites all over my partners feet and a horrible fall. Where I feel victim to identity theft that started this entire mess. Their so-called code of ethics failed me in my disputes to recover the funds for services not rendered. Quite the opposite, their brochure should read $ XXXX visits are free. I was being defrauded and explained to them the situation, I emailed the only pictures I had saved before my XXXX computer and my XXXX were destroyed by the cyber-attack. Disputing {$XXXX} charged on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX denied, denied, denied. A wench has better luck winning a game on a monopoly board with its XXXX corners than me getting any help. They didnt help me with a case where I was bamboozled by XXXX for {$XXXX} charged XX/XX/XXXX and {$XXXX} on XX/XX/XXXX in a case where an illegal lease was involved for a new place. With nothing left to find another place, I am forced to sleep in my partners RV. XXXX has ruined my life, I feel my health has worsened migraines and still recovering from being septic from the hotel. With their constant attack on my funds to show their arsenal of punishments by locking my card, freezing my account, or holding my check as long as legally possible only to describe loosely as their common business practice with their clients. This chicanery just shows their disdain for me that I am disabled or not rich to have any impact to their bottom line for their intended growth. Their noses long as stretchers cover the high class but not the mass. They dont care if they destroy a disabled persons life, and they dont care if that person is then tossed to the streets as long as they get to satisfy their own selfish greed but yet keep that faade. They pretend to stand high behind their morality and good faith in their business. They skirt the word of XXXX twisting their XXXX values to suit their duplicitous nature, all the while hiding behind a veil of their false ideology. They do not give a thought to me or anyone as they nyxlings feed off the shadows of us in lusts evil by temptations perpetuated by the XXXX and those minions of which they represent. I must repudiate this notion of acceptance of such injustice and call for Humanitarian Consideration. Agencies like the XXXX XXXX XXXX XXXX, I implore your office to consider the living conditions of myself in determining the wrong that has been done. To see me as a person. I plea that your office recognizes my living in such drapid circumstances, I require assistance for basic sense, they left me with nothing. I have no savings, I do not have any money left out. I have been without my XXXX check for a month now, I have no money to survive.","date_sent_to_company":"2024-05-20T23:32:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"729XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9056021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ARVEST BANK GROUP, INC.","date_received":"2024-05-20T23:16:08.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I have become nonfunctional in the sense I am and who I am supposed to be towards my <em>family</em> and friends. I dont enjoy life anymore. Why should I? They chose not to help me in a time of crisis when I first arrived here in XXXX, staying at a hotel of horrors for XXXX months with my partner invested with roaches and bed bugs. Resulting in bites all over my partners feet and a horrible fall. Where I feel victim to <em>identity</em> <em>theft</em> that started this entire mess."]},"sort":[7.874172,"9056021"]},{"_index":"complaint-public-v1","_id":"3341423","_score":7.676676,"_source":{"product":"Checking or savings account","complaint_what_happened":"On Thursday XX/XX/2019 I opened a High-Yield Investor Checking account at Charles Schwab Bank in the amount of XXXX-XXXX  XXXX XXXX XXXX-XXXX Dollars { {$3400.00} } said account was immediately opened then funded with absolutely NO requirements of me and NO restrictions. \n\nI was immediately sent a VISA debit card and checks that I did NOT ask for, had I been asked I would have refused because VISA cards can not or do not fully accomodate my full lawful, legal name. I NEVER ALLOW my name to be truncated and normally I would sue VISA and win because I NEVER asked VISA for anything, but I decided to skip that drama, shred the card, and close said account until people do what I tell them to do regarding my money and my life. \n\nI thought I finally would be treated with a modicum of respect when I opened an account at Charles Schwab Bank, they made me feel safe and I even referred my mother as a family member so Charles Schwab Bank could become trustee over my Trust. However, I quickly realized Charles Schwab Bank 's treament of me was all a fasad and once again I was trapped between a living nightmare and the twilight zone. \n\nMy logic is easy, plain, and simple that even a little child can understand it and understand that NO! means NO! I told Charles Schwab Bank stop apologizing to me after they learned I'm a Domestic Violence XXXX/XXXX XXXX Survior living through the aftermath of XXXX XXXX and XXXX XXXX. For said reason I don't have to comply with anything they've demanded of me -- -after-the-fact emphasis on after-the-fact. \n\nI respectfully accept and understand anyone 's regulations and rules about anything, but I stated My MONEY is Mine and you CAN NOT keep it, have it, or take it because I have my own federal laws, regulations, and rules that I must and do abide by, and live by everyday that keep me safe as a Domestic Violence XXXX/XXXX XXXX Survior. \n\nI am not difficult with anyone I am straightforward, and truthful -- -always, but as I stated to XXXX of the verification department at Charles Schwab Bank on Tuesday XX/XX/2019 there is a part of my life they will never access because it is sealed in one aspect and behind a locked vault in another. I stated I don't care if they accept that, but they have to atleast respect that because it will NEVER change and I will NEVER change so just give me back all my money. \n\nI don't expect partiality, or preferential treatment regarding what has happened to me in my past because I don't have a victim 's mentality. However ; I do have a problem with Charles Schwab Bank receving me as a client with open arms and then afterwards demanding I comply with something that I would have NEVER consented to in order to become their client in the first place. \n\nI DID NOT CONSENT to give them anything more after-the-fact. Trying to force me to comply to anything and retalitating against me when I don't or won't NEVER works on me -- -it never has -- -and it NEVER will. If you try to circumvent the federal laws that were made to protect me and my annoymity then you are going to be in for one XXXX-OF-A-FIGHT because I'm NOT going to stand for it NOR will I tolerate it. \n\nAll I want is my money back and to NOT have anymore dealings with Charles Schwab Bank for the rest of my natural life. I'm going to reach out to the METOO movement and XXXX XXXX about what is happening to me over, and over, and over again with no justification for it whatsoever, but to aid, assist, and help that XXXX assailant track me down to finish what he started or physically harm or XXXX my elderly mother to get to me in the process. \n\nCharles Schwab Bank with intentional, willful, malice bounced two checks I made to XXXX. XXXX funded my last round of XXXX XXXX medications and my mother and I have had a wonderful relationship with XXXX for nearly two years. \nThis was extremely disheartening for me to know Charles Schwab Bank dishonered both payments when I've made every payment to XXXX and never late once. \n\nOn Tuesday XX/XX/2019 I opened up a chat and spoke with XXXX requesting a manager or supervisor in account closings she refused to escalate said chat then transferred me to their verification department instead. I closed said chat and gave her a survey score of all zeros. \n\nI informed someone named XXXX in the Charles Schwab Bank verification department that I received a letter on Tuesday XX/XX/2019 at XXXX XXXX from said department with demands of me with an imminent deadline addressed to me with my lawful, legal, name mispelled. I made a decision to close said account because anyone asinine { and/or } incomptent enough to mispell my name from a verfication department will NEVER be allowed to deal with { and/or } handle my financial money affairs. \n\nI am forever unforgiving of any instance of tampering with my lawful, legal name because that is the epitome of where felony fraud begins and it always ends with full-blown identity-theft. I received alot of apologies on Tuesday XX/XX/2019 from Charles Schwab Bank associates after I revealed I can't conform to anyonelse 's deadlines about anything except my own due to XXXX  XXXX   XXXX and everything I do has to be booked { and/or } scheduled with a third party person and driver -- -on their time not mine. \n\nI demanded my money back and going forward I just won't put anymore of it in any financial institution because they befriend me then they betray me the instance I attempt to use my own money for medical reasons. Charles Schwab Bank locked and froze my account knowing full well I will never give them anything more than what they asked for in their application, but anything else after-the-fact -- -NEVER come XXXX or come HIGH WATER. \nNo one at said foregoing address is going to communicate with Charles Schwab Bank any further except via legal retained counsel for punitive damages. \n\nPlease be advised I spoke with a Charles Schwab Bank supervisor named XXXX XXXX extension XXXX on Tuesday XX/XX/2019 who promised to overnight my funds via check and email me the tracking number. He stated he would call back as soon as said funds via check was on the truck. XXXX never called back and I never received a tracking number. \n\nI've battled against XXXX XXXX XXXX and XXXX for the past three days due to not having access to my XXXX and XXXX XXXX medications. My XXXX year-old elderly mother 's home is now headed to foreclosure because of Charles Schwab Bank deliberate, intentional, willful malice towards us both. My funds were to also be allocated for mortgage payment. \n\nI will continually file this same complaint everyday, everyweek, and every month until my money is returned to me and back in my hands where it belongs. I will not be speaking to anyone at Charles Schwab Bank again because they continually call me outside of my name when I do, then record my responses when I defend myself against that crass and uncivility. \n\nIt's important for my health and my life that I remain calm and without any added uneccessary stress and this is the main reason they won't give back my money. Not giving back my money will cause my death and the death of my elderly mother. Hold these despicable, sickening, and vile Charles Schwab Bank associates accountable for their asinine, heinous, and vicious actions toward us. Again, all I want is my money -- -it is mine -- -and that is simple. \n\nThank-you kindly, your immediate attention, careful consideration, and full cooperation in this matter is greatly appreciated. Charles Schwab Bank may withold a XXXX XXXX Delivery Fee from said remitted funds. Please direct, instruct, { and/or } force Charles Schwab Bank to refund and remit payment in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX Cents { {$3400.00} } by XXXX Overnight Delivery to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX","date_sent_to_company":"2019-08-15T00:28:30.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"28262","tags":null,"has_narrative":true,"complaint_id":"3341423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2019-08-14T23:26:26.000Z","state":"NC","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I am forever unforgiving of any instance of tampering with my lawful, legal name because that is the epitome of where felony fraud begins and it always ends with full-blown <em>identity</em>-<em>theft</em>."]},"sort":[7.676676,"3341423"]},{"_index":"complaint-public-v1","_id":"4228973","_score":7.310522,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To whom it may concern : This letter is to inform you that I have been a victim of fraud and identity theft. Someone unknown to me has been able to compromise my Cash App account. I wanted to allow an investigation to be completed before I reached out via mail. On XX/XX/XXXX at approximately XXXX hours, I received a text message from Cash App that my phone number had been unlinked from my Cash App account. I immediately logged in from my phone using my fingerprint ID. Once in, I noticed that the phone number had been changed to XXXX. After reviewing, I had limited access to my account. Next, I checked to see if anything else had changed. I noticed I had a balance in the amount of {$2200.00}. I knew something was wrong because I do not keep cash in my account. I scrolled down to see what was going on and learned that my 5 stocks : XXXX, XXXX, XXXX, XXXX, and XXXX had all been sold. I tried to cash out since it was my money, but it kept asking me to enter a pin that I did not have because it had been changed. At that point, I was left hopeless and helpless not having access to my account. I could only watch MY money be transferred to someone I did not know by the name of XXXX XXXX. It happened in 3 transactions {$29.00}, {$500.00}, and {$1700.00}. To add insult to injury they had the audacity to give a thumbs up after the first payment was received on their end. I requested a refund. The message that I received from Cash App was, Scam reported. Cash App is working to get back your $ XXXX Identifier # XXXX, $ XXXX Identifier # XXXX, and $ XXXX Identifier # XXXX all sources were cash. I then blocked XXXX XXXX. I called Cash App approximately five times at different times. There is/was no customer service. I have emailed several times and have yet to get a response. I filed a police report with the XXXX Police Department. I filed a report with the FTC. I filed a complaint with the XXXX and XXXX XXXX. I did not authorize any transactions on or after this date and I did not authorize anyone else to use my information in any way. I checked my account daily in hopes that a refund would be processed. I did receive a message from Cash App on the app that I would hear a response by XX/XX/XXXX. \nOn XX/XX/XXXX, I received a call from one of my friends asking me if I had requested {$300.00} from her via Cash App. I told her no that my account had been compromised. When I checked my Cash App app, I realized the person had more information than just Cash App. They used a picture of my son from XXXX XXXX. They used his picture to try and get money from everyone that I have made a transaction with. Requesting money in the amount of {$300.00}. Not only was this embarrassing, but the feeling of being violated is unexplainable. Cash App requires you to enter all your personal information, and now this person has it as well. This is a breach of contract. I received a message from XXXX XXXX for unusual activity, again not me. Later that day at approx. XXXX hours I reached out to Square Inc. for a second time and spoke with a representative by the name of XXXX. I explained to her my situation and she assured me that there was no legal department that I would be able to speak with and that Square Inc, is not responsible for Cash App even though they are the parent company, they are not fully involved. She told me the only way for me to contact Cash App is through their support recorded line or email. If I were not satisfied, I could proceed with getting an attorney. It would not be until then that Square Inc. would get involved. At approx. XXXX hours on the same date, I called XXXX XXXX and spoke to a representative by the name of XXXX. He stated he would escalate this matter. He suggested I reach out to Cash App via email and leave my name, phone number and email. He assured me someone would follow up with me within 24-48 hours. \nOn XX/XX/XXXX at approx. 0837 hours, I received a call ( XXXX ) from a man stating he was a representative from Cash App. I thought WOW that was fast. He stated he was following up with me about my account. He asked me to verify my phone number and email that I had linked to Cash App. He asked me what was going on. The call was disconnected. I called back but no answer. I tried again at approx. 1012 hours and during the conversation he told me that the only way that I would be able to receive my money is for him to trace it and the only way this would happen is, I would have to download an app. In the search bar I would have to type in support help and then an app called team viewer would appear. I began downloading it, but the more he talked, and I began to ask questions, I told him I did not feel comfortable giving him remote access to my phone since I was already a victim. He hung up. I called back twice. He blocked me and it stated that the phone number was no longer in service. \nOn XX/XX/XXXX ( approx. 14 days later ) I looked at my Cash App account and the message stated it I would have a response by the end of the day about my refund. \nOn XX/XX/XXXX, I checked, and it stated, Scam Reported. We are truly sorry, but we were unable to recover your money. However, your report will help to prevent future scams. Thank you. Refund Declined. \nI am reaching out after a poor decision on your end was made. I was hoping that you would be able to resolve this matter professionally, but since you not only denied something that was done in error to me you failed to protect me. To have a Cash App account I have had to give all my personal information, name date of birth, social, address, phone number, bank information including routing numbers and account number, and debit card number. Now someone has access to all this information and even with my two-way identifier that I had on my account, someone was still able to change my personal information that was supposed to be secured and they gained access to my account. After the damage was done, they proceeded to try and access my other accounts outside of cash app. I am holding your company FULLY responsible. I trusted that Cash App was secure and encrypted based on your word. I used this account as an emergency fund account as we are in a global pandemic. Every day that the stock market goes up, my family and I are going without. I am a single mother of 5, and I am on a fixed income as I am only able to work part time because I must be home to home-school. \n\nAccording to your General Terms of Service last updated on XX/XX/XXXX, it states on # 3 In case of errors or questions about your account call us at XXXX, please note ( 1 ) this is the only phone number customers can call for Cash App support, and ( 2 ) a Cash App representative will never ask you for your password, PIN, social security number or full debit card number. Or write us at Square, Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX as soon as you can if you think an error has occurred in your Account. We must allow you to report an error until 60 days after the date you electronically access your Account, if the error could be viewed in your electronic history. In order for us to assess the situation, you will need to tell us : Your name and Account number ; Why you believe there is an error, and the dollar amount involved ; and Approximately when the error took place. \nIf you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, and your Account is registered with us, we will credit your Account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within 10 business days, we may not credit your Account. You also state in writing, We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.\n\n4. Your Liability for Unauthorized Transactions Contact us as soon as possible if you think there has been unauthorized activity on your account. Depending on the circumstances, if an unauthorized transaction has occurred we may be able to cover you. \nPlease let us know if you believe there is an Unauthorized Transaction on your Account. You could lose all the money in your Account. We will protect you from Unauthorized Transactions in your Account. When this protection applies, we will cover you for the full amount of the Unauthorized Transaction, so long as we were able to complete the Error Resolution procedures described above.\n\nAn \" Unauthorized Transaction '' occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an Unauthorized Transaction has occurred.\n\n5. Our Liability We will cover your losses for certain incomplete or incorrect transactions, detailed here.\n\nIf we do not complete a transaction to or from your Account on time or in the correct amount according to these Cash Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance : o If, through no fault of ours, you have insufficient funds in your Account to complete the transaction ; o If the ATM where you are making the Transaction or using your Cash Card does not have enough cash ; o If the Cash App was not working properly and you knew about the breakdown when you started the transaction ; o If circumstances beyond our control ( such as fire or flood ) prevent the transaction, despite reasonable precautions that we have taken. \n\n11. Cash App Investing If you want to use Cash App to buy stocks you need to sign up with our broker-dealer, Cash App Investing LLC. \nIf you choose to use brokerage services provided by Cash App Investing LLC, a FINRA registered broker-dealer and subsidiary of Square ( Cash App Investing ), you must open a brokerage account with Cash App Investing and agree to their terms and conditions for such account. By using any Cash App Investing services, you authorize and instruct us to follow any instructions provided to us by Cash App Investing on your behalf regarding the transmission or receipt of any funds in your Cash App Balance. \n7. Payment Cancellation, Stop Payment Requests and Refused Payments Our ability to stop a P2P Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on how the Payment Instruction was initiated, and whether the Payment Instruction has begun processing. P2P Payments not claimed by a Recipient for fifteen ( 15 ) days after the processing has begun will be canceled automatically. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Transaction Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law. \nXXXX XXXX XXXX XXXX Terms of Service # 38-Errors or Question about your virtual account transactions If you tell us orally, we will mail you a form to complete and return. You must return the form or your own letter outlining the details of the error to Customer Service at the address provided below within 10 business days of the Primary Cardholders oral notification. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate the complaint or question. If we decide to do this, and your account is registered with us, we will credit your Card Account for return of the credit amount to your Cash App within 10 business days for the amount you think is in error, so that you will have the use of the funds credited to your Cash App for funding your Card Account during the time it takes us to complete our investigation.\n\n39. Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or you believe a transaction has been made without your permission using information from your Card, your PIN, or Card Account, or you could lose all the money in your Card Account. Contact Customer Service immediately at the number or address provided below to keep possible losses to a minimum. Contacting Square by telephone at XXXX is the best way to minimize possible losses. \n*If you tell us within two business days after you learn of any unauthorized transactions or the loss of your PIN, you will lose no more than {$50.00} if someone accessed your Card Account without your permission. \nI am asking that you stand on your word. I have followed your policy. I made attempts to contact you thru your preferred method via email to no avail. I have also attempted to reach you via email, and XXXX, and you leave misleading information. I am now putting it in writing. I have tried to call. I notified you through the app and you denied without circumstances. I did not authorize any of these transactions nor am I the one who sold and cashed out my stocks. I am requesting that this account be closed immediately. Restore all funds that have been withdrawn from my account and instead of putting it back in the account, please send me a check in the amount of {$2200.00} to the address above. You say that you investigated the matter. How? I am requesting that you reinvestigate this matter, close the account and refund me my money. I am asking that you comply with the Electronic Fund Transfer Act and send me a letter explaining your findings and action. Send me written confirmation that the account has been closed, a check be mailed out since I no longer trust Cash App and it is no longer safe. I am holding you responsible for the fake scammers that constantly call trying to retrieve information, access the information on my phone, sending money request to my family and friends and now the inconvenience of having to change my whole life around. I have had to get a new cell phone because someone was able to access my phone remotely, create new emails, cancel cards and get new ones because someone has tried to open accounts in my name. The fact that someone called after reading my email and I trusted them makes me wonder how this company is legit. With Cash App being so secured, how does one have all this access to my account. I have provided all the scammers information. How did my refund get denied? Is this why you state in your policy that we must waive our rights to go to court? Is Cash App a legal hustle? \n\nOn XX/XX/XXXX, I sent a Certified demand letter to the company with a signature required with a return receipt. I still have not heard back from them. My next step is to take legal action.","date_sent_to_company":"2021-03-19T18:35:54.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"92324","tags":null,"has_narrative":true,"complaint_id":"4228973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2021-03-19T18:02:41.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To whom it may concern : This letter is to inform you that I have been a victim of fraud and <em>identity</em> <em>theft</em>. Someone unknown to me has been able to compromise my Cash App account. I wanted to allow an investigation to be completed before I reached out via mail. On XX/XX/XXXX at approximately XXXX hours, I received a text message from Cash App that my phone number had been unlinked from my Cash App account. I immediately logged in from my phone using my fingerprint ID."]},"sort":[7.310522,"4228973"]},{"_index":"complaint-public-v1","_id":"4418812","_score":7.269012,"_source":{"product":"Mortgage","complaint_what_happened":"I am XXXX years old. I am a victim of Identity Theft and Criminal Fraud of XXXX. XXXX never built my Home. The. victims of XXXX conduct, schemes. The Home was built for {$25000.00}. This criminal XXXX XXXX ex inmates unlicensed to build Residential Construction. I am being targeted for my property by prison inmates were used. I can't hardly leave my house, they are looking at me like a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX to Combat Elder Fraud ... Fraud and Abuse Alteration/forgery of documents. Transformation of victims of XXXX conduct and may be eligible for compensation under the settlement. This pathway of XXXX have been reestablished. A closed account is being used to established a debt. Submission of inaccurate information or document falsification to stop. material misstatement, misrepresentation, or omission relied upon t MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ( \" MERS '' ) ITS SUCCESSORS AND ASSIGNS, at XXXX XXXX XXXX, XXXX, MI, XXXX transfer of servicing rights from one MERS member to another MER. This account closed XXXX Can not be a non-MERS member. MINs included in a TO must be \" Active ( Registered ) '' status.. Invalid assignment from MERS to another lender before suit gave that lender standing to bring the foreclosure action. transfer Florida Courts. Assignment of Beneficiary MERS does not keep the record of the assignment of beneficiary though it is required by law, Pretending to be contractors of the city of XXXX XXXX. MERS Assignee : as XXXX XXXX XXXX, Recorded : XX/XX/XXXX, Instrument # : XXXX XXXX, Book : XXXX, Page : XXXX in XXXX XXXX , State of Florida XXXX MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ( \" MERS '' dated XXXX XXXX, XXXX On By the Name : Title : XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. ( \" MERS '' ), XXXX Transfers different XXXX XXXX account transfer of Mortgage 's Fraud, lies, and deception. Many MERS Security Instruments assigned. MERS MERSCORP Holdings, Inc. MERS has been named as a mortgagee closed account XXXX.Bad faith litigations. \nAccounts and Transfers relating to these various account claims ( \" Plaintiff ) CSMC 2019-RPL3 Trust. Violations of 18 U.S. Code 1030 8 U.S. Code 1324c - document frauds knowledge or in reckless disregard of the fact that The Account activity listed is immoral act, purposefully lying, about signatures, fraud scheme faked Assignees. XXXXXXXX XXXX XXXX XXXX, and the purpose of which is to deceive. Fraud Documents Listed used multiple different names and account numbers other than filed by as Fraud documents used action lacked jurisdiction illegal or fraudulent conduct which was the basis of the transaction. The complaint Petition Unclean Hands false assertion conspiracy to commit wire and mail fraud. for in the Fraud Foreclosure Action only specified the state-court proceedings financial institution has acted improperly, abusive, unfair, or deceptive practices. fraud and breach of contract for the listed a mortgage very different names and account numbers both and Names used other than had been used and filed a complaints submitted documents forged signature and initials. \n1. XXXX XXXX the reliance filed Fraud documents of. Fraud ( deceit, conspiracy, procuring/inducing breach of contract, electronic data, are compiled into portfolios which are transferred to the secondary. and thirdly. Fraud, Credit card accounts, Fraud Mortgage. There is never ending Many accounts ' and thousands of dollars paid but the only thing i continue to see, is all the account and changes yet there are more and more Fraud accounts. An information includes phishing, malware and scams. Phishing. the accounts were defective everything from no judgment, wrong balance, account out of statue, Court refused, many cases filed. I contend More Court abuse and court document 's being altered. XXXX XXXX homeowner Respondent denied the allegations and asserted various. Answer/Response to Complaint/Petition, Consequently, deny all the allegations of agreement is based on a false premise a contract and all its terms and conditions. The Complaint constructive fraud claims are a breach of fiduciary duty, fail to state a claim upon which relief may be granted. Terms in this set ( 2 ) - Actual fraud, if the person makes a misrepresentation of material fact knows at the time the statement is made that it is false, then you have fraudulent intent in the form of actual fraud. Second Affirmative Defense A response must be filed and served not later than 14 days prior to the date of hearing set forth in the notice ; and ( B ) If a response is not timely filed and served, the court may grant the False Claims Act, malicious intent to injure the Respondent Rights have been violated and denied due process my rights were violated here. As Owner issued certificate of title, right, title, CSMC 019-R L3 Trust, Lack of capacity, Fraud, unlawful fraudulent misrepresentation, deceit, unjust Petition contained fraud False and falsified signatures and initials in the Complaint. Plaintiffs claims are barred, in whole or in part, by the applicable statute of limitations. XXXX XXXX, Identity Theft Victims. \nCSMC 2019-RPL3 TRUST, Pattern, alleged by petition the Quiet Title Action ), Listed a lot # this name, to filed documents foreclose its claim of lien In the Quiet Title Action, Listed XXXX documentation with claim as of lien for inconsistently the court in the Foreclosure used different name and account numbers for third account Action named unauthorized Second Basically, a lack of capacity. False statement were made knowing, it was false and with an intent to induce a contract within For the foregoing reasons, plaintiff has failed to state a claim for securities fraud under 10 ( b ) and 20 ( a ) of the Exchange Act Complaint false statement filings listed as mortgage different names and account numbers both filed claim, relied on the assertion Mortgage Fraud, allegations, any document submitted in ( No Cause of Action ) made by the plaintiff. Therefore, voids the plaintiff Original Answer. Contract paid, final XX/XX/XXXX. I never contracted for XXXX to build a poorly constructed Home for {$25000.00} and used the neighborhood probations contractors and illegal construction of XXXX XXXXXXXX XXXX XXXX XXXX XXXX principal address is XXXX XXXX XXXX, XXXX XXXX, XXXX. Meanwhile you can send your letters to XXXX XXXX XXXX, XXXX XXXX, FL, XXXX. The company`s registered agent is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX. \nThe Court illegal conduct violates any provision of Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( CFPA ). The Court to give violators favor and refuse to judgment dismissed, account paid demanding more and more money. Balance neve changes. related to : CORPORATE ASSIGNMENT OF MORTGAGE Recording Requested By : XXXX XXXX XXXX When Recorded Mail To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX ( XXXX ) XXXX. XXXX MERS # : XXXX / MERS Phone # : ( XXXX ) XXXX Assignment Prepared on : XX/XX/XXXX Assignor : MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ( \" MERS '' ) ITS SUCCESSORS AND ASSIGNS, at XXXX. XXXX XXXX, XXXX, MI, XXXX Assignee : XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX For value received, the Assignor does hereby grant, assign, transfer and convey, unto the above-named Assignee all, even recently submitted fraud Car financing and Other Accounts created by the Credit card fraud 1. XXXX reported fraud account {$3300.00} o XXXX. XXXX of Florida Your report has been submitted to the Federal Trade Commission. \nThank you for helping our work to protect consumers. \nReport Number XXXX The report will not be available after you exit this page. View your report 2. XXXX data breach Identity Theft stolen, Disputed, I have never used or activated this account and usual acct. number reported opened XXXX XXXX XXXX XXXX XXXX XXXX credit limit credit limit originally $ XXXX.Now increased amount showing on credit report an account recently balance. {$13000.00} since XX/XX/XXXX unauthorized XXXX.Reported from Closed credit card activity. \nPresently Portfolio Selecting Servicing LLC is wants reinstatement for additional {$19000.00}. and additionally want me to pay closed account {$100000.00}. PLUS ASKING FOR TOTAL OF XXXX = over again {$120000.00}. I have paid this amount many times over. For a debt i didn't owe. I don't know how the obtained my information. Family has a history with XXXX XXXX of XXXX XXXX. Fla. \n\nI did not receive settlement of settlement information. This account is presently being pursed in Florida Court Case. Assignee : as XXXX XXXX XXXX, Recorded : XX/XX/XXXX. XXXX filed XX/XX/XXXX. Presently they are attempting to steal in XXXX XXXX FL, XXXX XXXX area. I don Not feel safe because this house was built with unlicensed contractors and have many issues. I Placed a collateral estoppel. Collateral estoppel is binding only upon those parties to the first action in which a decision was made and anyone who might be regarded as in privity with those parties, such as a bailor and bailee or a principal and his or her agent. In many jurisdictions a party in a lawsuit who is not subject to the estoppel effect of a prior judgment the court has decided that issue. because the party was not a party to the original action in which the judgment was rendered. \nXX/XX/XXXX","date_sent_to_company":"2021-06-04T12:39:58.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"32114","tags":"Older American","has_narrative":true,"complaint_id":"4418812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2021-05-31T15:31:42.000Z","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":["XXXX of Florida <em>Your</em> report has been submitted to the Federal Trade Commission. \nThank you for helping our work to protect consumers. \nReport Number XXXX The report will not be available after you exit this page. View <em>your</em> report 2."]},"sort":[7.269012,"4418812"]},{"_index":"complaint-public-v1","_id":"3121794","_score":7.170455,"_source":{"product":"Checking or savings account","complaint_what_happened":"My husband and I have been loyal chase customers for over 5 years with no issues at all until starting in mid XXXX I noticed there were alot of unauthorized transactions on my husband and Is account all online purchases, as well as my other two checking accounts ( again all from online purchases ) so I called chase to report the charges and explained they would investigate file reports ( they had to file 3 reports one for each account because they said they couldnt just combine them into one report. ) They asked me if i had ever done business with any of the merchants before and I said no not online. They asked if i had given any one my card number and allowed them to use my card online again i said no. They said okay thank you and closed out these debit cards and would send me new one and i should see a temporary credit on my account for these transactions while they investigated I said great thank you so much. So I got online and printed off all the transactions for my accounts for the last three months and started going thru them and matching them with my receipts. I noticed I had missed some transactions ( seriously there were so many transactions ) and so I called chase bank and explained and asked if i could get these added to the reports they stated no they couldnt do that they had to open 3 more fraud reports. I said ok went thru everything again and again they said I would see credit in the next 12 hours. Ok awesome, So the new cards arrive I activate them and over the next 24/48 hours I use them sparingly just things like gas groceries etc. again nothing online or over {$100.00}. Well I log back on to check my accounts and notice all our accounts were drained or negative. So i start looking at the accounts thinking maybe the credits hadn't hit or they were still processing etc. Nope there was more fraud this time on all 3 of my brand new debit cards. I was shocked I called chase again and asked if this was normal what was going on etc etc. I was told its normal around this time of year with the holdidays etc. So I started new reports but this time was told I not only had to open seperate ones for each account but now also for each vendor. So i said ok and they said the same thing ok theyd investigate close out my cards/ send me new ones and issue credits. This time ( when I received my new cards about a week later ) and after I had called and activated them I only put one of them in my wallet the other two I put in our safe. I checked our accounts and saw the credits and went thru and compared the credits to the fraudulent charges I had reported I noticed that over 10 of the transactions I reported as fraudulent chase had accidentally missed. So again I called and let them know and again even tho i had already reported them they had to start new reports etc. okay again no big deal. I had this 2nd set of new debit cards in hand and activated less than 48 hours and I log on to see if they had reported the rest of the transactions and low and behold more fraud. Even on the cards that were completely untouched and in my safe!!! On the other one I had made a total of two purchases with one for {$6.00} at the pharmacy for my XXXX XXXX daughter and the other one for {$25.00} on gas. I was completely dumbfounded. So I immediately called chase again this was XX/XX/XXXX at about XXXX-XXXX XXXX  and reported the charges and asked what I could do could I close the accounts and open new ones with new bank account numbers? I had already changed my password on my chase account. They said no they couldn't do that till all these reports had been investigated. I said okay and filed the new reports and just decided I wouldn't even activate them this time I would just go into chase and pull off cash and use that till all this gets worked out. They again said no problem they would then close the cards send new ones etc. I asked them what I could do and how this could be happening they just said they didn't know but fraud happens alot this time of year. I said okay thank you etc. At about XXXX that afternoon I went to log on to my chase account to check and make sure they got everything and it wouldnt let me log into my account it said to call chase for further info and help. So I call chase and they informed me that they had restricted and closing all my accounts due to a large number of fraud complaints. I told them that was them I only had 3 fraud reports they were the ones that turned each transaction into a seperate claim. I asked how I was going to get access to our money all of our money was in those accounts ( bills, my kids XXXX, everything I wan na say not even including the fraud there was at least {$2000.00} between the accounts plus my husbands paycheck was getting direct deposited friday and my daughters child support and social security XXXX. They said that I could go into a branch and pull off the funds but that the account was restricted and all deposits and transactions would be denied/ blocked and returned. They said the account would stay restricted for the next 10 business days while they finished investigating the claims and that when they were done they would close the accounts and the remaining balances would be sent to us by check 10 business days after that ( so probably by mid XXXX because of the holidays ) I said I would be going to the branch now and withdrawing the funds. I had to we needed that money we had rent due on the XX/XX/XXXX, electric, phones everything all due and I needed to get my kids stuff for XXXX still as we are a low income family my husband is a XXXX XXXX XXXX veteren, I am XXXX XXXX and we have XXXX XXXX XXXX XXXX XXXX  needs children. So we have to really save and budget. We have almost no spare income but all our bills are always on time. So i go into the branch and with my XXXX kids to withdraw the funds like they told me to. I get to the teller and she looks everything up and writes down my account balances the main account without the fraud money or credits was {$420.00} the 2nd account was around {$1200.00} and the third was about {$790.00} so total was just above {$2400.00} and again that was not counting the credits for the fraud charges. So I told her i needed to withdraw that. She went and got a manager and the manager came out to tell me that they could only withdraw these amounts they could not withdraw the credits I had been issued etc I said thats fine i just need this I have bills and XXXX to pay for. She said okay I need 2 forms of ID and just give me one moment and went to the back and was there a while before returning to the window with two other individuals and stated that these were branch managers and that they were very sorry but they could not withdraw the funds from the accounts because the accounts were restricted and all deposits, withdrawals, wire transers, direct deposits, automatic bill pays everything blocked and restricted until they were done investigating the fraud and after that they had 10 business days to make a decision and close the account after that itll be 10 business days before they issue and mail me a check for the remaining balances. I said I understand that but I just spoke to you guys on the phone and was told I was not allowed access to any of the funds credited while you investigated but that the balance that wasnt included, our hard earned money that we saved for bills etc was. They said were sorry theres nothing we can do. I asked if i could just have one of the account balances the lowest one or even part of it. We had no access to any of our money at all and I just needed something to use to feed my family, cover gas, diapers, and just basic necessities to survive. They said were sorry no. So I went home and tried to figure out what to do. By the time I got home it was after XXXX and there was nothing else i could do as they were closed. So the next morning first thing I called chase again to explain i went to the office and they refused to let me withdraw the money. She said oh well yeah thats their disgression. I said what can i do??? I need access to some of our money, I have bills my kids need food. She said well you can try a different branch and see what they say. I asked about the direct deposits that were supposed to hit soon ( my husbands paycheck on friday, child support for my daughter on saturday and my childs ssi benefits on the XX/XX/XXXX ) she said they will all get denied and sent back to the sender as well as any other autodraft bill payments checks etc. I said this is unreal this is our money. So i called a different branch explained the situation to see if i went there if they would let me withdraw the available funds. She took my info and looked it up and said yes absolutely. She said let me just verify with my back office and call you back. About 30 min later she called me back and said that they would not be able to give me access to the funds either as corporate had restricted all withdrawals of funds too. So I asked her if there was anything I could do she said no I just had to wait for them to mail me the check. \nI called corporate back and told them what this branch said and she said then theres nothing we can do youre just going to have to wait for the check. I said no this is not okay or right, we have been good loyal customers for over 5 years, we did nothing wrong i reported legitimate fraud on our account and because of that you made the decision to restrict and close our account without warning or any notice at all and hold all our income and restrict any and all access to it and leaving us with absolutely no money. I said my husband is a XXXX XXXX XXXX veteran for the XXXX XXXX, I am a XXXX XXXX stay at home mom and we have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX children and youre doing this right before XXXX leaving us with no way to feed ourselves or provide the bare minimus necessities, no way to do anything for our children for XXXX  and holding all the money we had to pay our rent to keep a roof over our kids heads and utilites to keep our kids warm, car payment car insurance nothing and are telling me we wont have our money any of it till probably end of XXXX? She said sorry theres nothing we can do the account is restriced and closed and youll just have to wait for the check ... \n\nSo I hung up and called my mom and told her what was going on and she said thats not possible so I called chase back and conferenced her in and she heard everything and when i asked there reason for this decision they said it was theyre perogative to end our banking relationship due to too many fraud reports I said I said but there werent too many there were 3 back to back. Your claims department is the one that kept turning them into multiple report. she said sorry nothing we can do. I asked if there was anyway i could get access to any of the available money that was not part of the claim and she said no, I said we have direct deposits hitting and its too late to change it. She said they will get denied and sent back to the sender. So youll have to call them after. I said what about our bills that were already scheduled to come out the day you t the account the auto pay for our car insurance, phone bill and car payment. She said those were already denied. \nSo I hung up and called ssi and waited for 90+ minutes and explained the situations and requested to change the payment method. she said because of the holidays it was too late to fix the XX/XX/XXXX payment in time but she updated it for future payments. She said that chase would refuse the deposit and it would go back to them within 48 hours and as soon as it did they would issue and mail me a check and the latest i would have that would be the XX/XX/XXXX. I broke down I explained everything and said i have no way to pay our rent or bills or XXXX  for my kids nothing. She then asked me if the bank that was doing all this was chase bank. I said yes! she said they're horrible they do stuff like this to people all the time. she apologized profusely and I thanked her and hung up and called my husband to let him know. He said he changed his payment record but he doesnt know if its in time and if this paycheck would go on his new payroll card or chase but his employer issued him an emergency loan of {$100.00} to his card just so we could survive. I hung up and called child support and they said it would take 10 days to process so not in time to fix the payment scheduled for saturday but that they would also issue and mail a check when they got it back. \n\nSo I went home and did the application to open a new checking with a new financial institution. I got to the verification and none of the identity verification questions were anything having to do with any of my information and they said they couldnt verify my identity so they were denying my account, so I went to log onto my social security account and all of my log in info was changed. So i checked XXXX XXXX and that was changed too so I started researching, and started realizing my identity might have been stolen so I started googling what to do. ( I have never had anything like this happen we're low income and dont apply for credit or anything so I dont really monitor my credit report ) thats when they XXXX breach info and website came up and i clicked the link and entered in my info to see if I was one of the people affected during this breach and it turns out my husband and I both were. so i started putting freezes on my credit and fraud alerts. Then I get a knock and received a certified letter from the IRS stating I was delinquent on my XX/XX/XXXX taxes and owe {$1500.00} immediately. I had never gotten my XX/XX/XXXX taxes it was being audited and they were still researching it. I tried to call irs but the government is shut down so is the transcript website and identity theft reporting site. plus holidays so wasnt anything more i could do. XXXX  came and went still no access to our money or anything so I was waiting for the ssi check in the mail. Well on XX/XX/XXXX I  got a check in the mail from chase for {$1300.00} that stated it was for the remaing balance of my account ( s ) it didnt list which accounts or statement nothing but it was enough to cover rent and keep our lights on. I called when I got home to see what account it was for what it included etc. 3 different department managers couldnt tell me. they said they see the check was issued and mailed but nothing and that I had to just wait till everything was finalized and closed and then call and see if theyll be issuing more checks etc. \n\nI got notices from the place i financed my car through, XXXX and our cellphone internet and cable company stating the autodraft was declined and we needed to make immediate payments to avoid termination. \n\nOn XXXX second I received 11 claim update/ decision letters from chase stating that they had completed their investigations on those claims and determined they were charged and processed correctly so they were reversing the temporary credits to my account and would be removing the money on the XX/XX/XXXX. \n\nI also received an email from XXXX XXXX stating they could not file my taxes for this year as a return with mine, my husbands and childrens social security numbers and information had already been filed. I contacted XXXX XXXX and upon investigation all of our identities and everything from drivers liscences, social security numbers everything had been stolen so i researched and found out the tax fraud and false returns etc started back in XX/XX/XXXX and thats why IRS said i owed money. I pulled my credit reports and everything was changed and we had 72 inquiries and 15 fraudulent accounts opened on top of all of our personal info changed. I went to the police station and filed a report I explained everything and he said that this was why our bank account had all that fraud on it and how they got our debit card info and was able to charge everything when i hadnt even used the cards.. \n\nI got the police report number, an affidavit from the DMV plus whatever other documentation I could get right now including the fraud reports from the credit reporting agencies and called chase with the updates and requested to appeal their decisions based on the new information. It wasnt just fraud transactions my identity and all info had been stolen. \n\nShe said \" They didnt see any errors with the transaction or attempts to authorize a different amount so we We denied your claims because the transactions occurred within your geographical area, youve previously done business with the merchants, the card was in your possession and there were no bad PIN tries, and you monitored your account on chase.com during the time the fraudulent transactions were occurring, but didnt report them to us immediately. We mailed you a check for {$1300.00} Were sorry for any misunderstanding that may have occurred concerning how and when you would have access to the money in your account. We show this check paid on XX/XX/XXXX. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00} that we received on XX/XX/XXXX will be held until your claims have been finalized. Your claim for the {$30.00} XXXX  transaction is still being researched and has a final resolution date of XX/XX/XXXX. Well inform you of our claim decision in writing once it has been finalized. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00}, will be held until your claims have been finalized. If any money is owed to you, well mail you a check. '' I said \" You accepted the Direct deposit of my daughters federal social security XXXX payment of {$770.00} on XX/XX/XXXX even though you completely restricted our accounts on the XX/XX/XXXX and rejected all of our automatic bill payments and refused to let me withdraw any of the funds in our account???? Now youre telling me youre going to hold it along with the rest of our account balance till you finalize the dispute XX/XX/XXXX and will issue and send me a check for the remaining balance in 10 business days??? So you fraudulenty accepted and essentially stole my XXXX  daughters monthly federal ssi payment for XXXX and are not going to release it or give us access to it till end of XXXX early XXXX? '' She said well I dont know anything about that or why is was accepted etc. \nI said I want that resolved now or I will be filing a charges. Also I want to dispute the decisions made on my fraud claims they were absolutely not authorized and fraudulent they were a result of identity theft. I have never done any business with those online merchants ever! I dont ever shop online nor do I or have I ever spent that much money in single purchases. I notified you immediately when I realized the fraud I was not monitoring my account either. Theyre online not in my area. I am submitting the police report and all the documentation of the fraud including my information that was compromised in the credit reporting agency fraud. Including access to all my financial and personal accounts. Also saw 6-8 fraudulent inquiries for credit requests to you guys on my credit report that i want to dispute as well and know why i wasnt notified when my info was accessed and it was requested. \n\nThis was tuesday XX/XX/XXXX, I have not gotten any response to my appeal/ challenging of their decision nor have they released my daughters federal payment or even responded as to how and why they accepted the deposit 10 days after completely restricting my account refusing bills and holding my income.","date_sent_to_company":"2019-01-10T15:16:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78154","tags":"Servicemember","has_narrative":true,"complaint_id":"3121794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-01-10T11:48:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I tried to call irs but the government is shut down so is the transcript website and <em>identity</em> <em>theft</em> reporting site. plus holidays so wasnt anything more i could do. XXXX  came and went still no access to our money or anything so I was waiting for the ssi check in the mail."]},"sort":[7.170455,"3121794"]},{"_index":"complaint-public-v1","_id":"3121694","_score":7.170455,"_source":{"product":"Checking or savings account","complaint_what_happened":"My husband and I have been loyal chase customers for over 5 years with no issues at all until starting in mid XXXX I noticed there were alot of unauthorized transactions on my husband and Is account all online purchases, as well as my other two checking accounts ( again all from online purchases ) so I called chase to report the charges and explained they would investigate file reports ( they had to file 3 reports one for each account because they said they couldnt just combine them into one report. ) They asked me if i had ever done business with any of the merchants before and I said no not online. They asked if i had given any one my card number and allowed them to use my card online again i said no. They said okay thank you and closed out these debit cards and would send me new one and i should see a temporary credit on my account for these transactions while they investigated I said great thank you so much. So I got online and printed off all the transactions for my accounts for the last three months and started going thru them and matching them with my receipts. I noticed I had missed some transactions ( seriously there were so many transactions ) and so I called chase bank and explained and asked if i could get these added to the reports they stated no they couldnt do that they had to open 3 more fraud reports. I said ok went thru everything again and again they said I would see credit in the next 12 hours. Ok awesome, So the new cards arrive I activate them and over the next 24/48 hours I use them sparingly just things like gas groceries etc. again nothing online or over {$100.00}. Well I log back on to check my accounts and notice all our accounts were drained or negative. So i start looking at the accounts thinking maybe the credits hadn't hit or they were still processing etc. Nope there was more fraud this time on all 3 of my brand new debit cards. I was shocked I called chase again and asked if this was normal what was going on etc etc. I was told its normal around this time of year with the holdidays etc. So I started new reports but this time was told I not only had to open seperate ones for each account but now also for each vendor. So i said ok and they said the same thing ok theyd investigate close out my cards/ send me new ones and issue credits. This time ( when I received my new cards about a week later ) and after I had called and activated them I only put one of them in my wallet the other two I put in our safe. I checked our accounts and saw the credits and went thru and compared the credits to the fraudulent charges I had reported I noticed that over 10 of the transactions I reported as fraudulent chase had accidentally missed. So again I called and let them know and again even tho i had already reported them they had to start new reports etc. okay again no big deal. I had this 2nd set of new debit cards in hand and activated less than 48 hours and I log on to see if they had reported the rest of the transactions and low and behold more fraud. Even on the cards that were completely untouched and in my safe!!! On the other one I had made a total of two purchases with one for {$6.00} at the pharmacy for my special needs daughter and the other one for {$25.00} on gas. I was completely dumbfounded. So I immediately called chase again this was XX/XX/XXXX at about XXXX XXXX and reported the charges and asked what I could do could I close the accounts and open new ones with new bank account numbers? I had already changed my password on my chase account. They said no they couldn't do that till all these reports had been investigated. I said okay and filed the new reports and just decided I wouldn't even activate them this time I would just go into chase and pull off cash and use that till all this gets worked out. They again said no problem they would then close the cards send new ones etc. I asked them what I could do and how this could be happening they just said they didn't know but fraud happens alot this time of year. I said okay thank you etc. At about XXXX that afternoon I went to log on to my chase account to check and make sure they got everything and it wouldnt let me log into my account it said to call chase for further info and help. So I call chase and they informed me that they had restricted and closing all my accounts due to a large number of fraud complaints. I told them that was them I only had 3 fraud reports they were the ones that turned each transaction into a seperate claim. I asked how I was going to get access to our money all of our money was in those accounts ( bills, my kids XXXX, everything I wan na say not even including the fraud there was at least {$2000.00} between the accounts plus my husbands paycheck was getting direct deposited friday and my daughters child support and social security XXXX. They said that I could go into a branch and pull off the funds but that the account was restricted and all deposits and transactions would be denied/ blocked and returned. They said the account would stay restricted for the next 10 business days while they finished investigating the claims and that when they were done they would close the accounts and the remaining balances would be sent to us by check 10 business days after that ( so probably by mid XXXX because of the holidays ) I said I would be going to the branch now and withdrawing the funds. I had to we needed that money we had rent due on the XXXX, electric, phones everything all due and I needed to get my kids stuff for XXXX still as we are a low income family my husband is a XXXX XXXX XXXX XXXX, I am XXXX XXXX  and we have XXXX XXXX XXXX XXXX XXXX XXXX children. So we have to really save and budget. We have almost no spare income but all our bills are always on time. So i go into the branch and with my XXXX kids to withdraw the funds like they told me to. I get to the teller and she looks everything up and writes down my account balances the main account without the fraud money or credits was {$420.00} the 2nd account was around {$1200.00} and the third was about {$790.00} so total was just above {$2400.00} and again that was not counting the credits for the fraud charges. So I told her i needed to withdraw that. She went and got a manager and the manager came out to tell me that they could only withdraw these amounts they could not withdraw the credits I had been issued etc I said thats fine i just need this I have bills and XXXX to pay for. She said okay I need 2 forms of ID and just give me one moment and went to the back and was there a while before returning to the window with two other individuals and stated that these were branch managers and that they were very sorry but they could not withdraw the funds from the accounts because the accounts were restricted and all deposits, withdrawals, wire transers, direct deposits, automatic bill pays everything blocked and restricted until they were done investigating the fraud and after that they had 10 business days to make a decision and close the account after that itll be 10 business days before they issue and mail me a check for the remaining balances. I said I understand that but I just spoke to you guys on the phone and was told I was not allowed access to any of the funds credited while you investigated but that the balance that wasnt included, our hard earned money that we saved for bills etc was. They said were sorry theres nothing we can do. I asked if i could just have one of the account balances the lowest one or even part of it. We had no access to any of our money at all and I just needed something to use to feed my family, cover gas, diapers, and just basic necessities to survive. They said were sorry no. So I went home and tried to figure out what to do. By the time I got home it was after XXXX and there was nothing else i could do as they were closed. So the next morning first thing I called chase again to explain i went to the office and they refused to let me withdraw the money. She said oh well yeah thats their disgression. I said what can i do??? I need access to some of our money, I have bills my kids need food. She said well you can try a different branch and see what they say. I asked about the direct deposits that were supposed to hit soon ( my husbands paycheck on friday, child support for my daughter on saturday and my childs ssi benefits on the XXXX ) she said they will all get denied and sent back to the sender as well as any other autodraft bill payments checks etc. I said this is unreal this is our money. So i called a different branch explained the situation to see if i went there if they would let me withdraw the available funds. She took my info and looked it up and said yes absolutely. She said let me just verify with my back office and call you back. About 30 min later she called me back and said that they would not be able to give me access to the funds either as corporate had restricted all withdrawals of funds too. So I asked her if there was anything I could do she said no I just had to wait for them to mail me the check. \nI called corporate back and told them what this branch said and she said then theres nothing we can do youre just going to have to wait for the check. I said no this is not okay or right, we have been good loyal customers for over 5 years, we did nothing wrong i reported legitimate fraud on our account and because of that you made the decision to restrict and close our account without warning or any notice at all and hold all our income and restrict any and all access to it and leaving us with absolutely no money. I said my husband is a XXXX  time war veteran for the XXXX XXXX, I am a XXXX XXXX stay at home mom and we have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX children and youre doing this right before christmas leaving us with no way to feed ourselves or provide the bare minimus necessities, no way to do anything for our children for XXXX and holding all the money we had to pay our rent to keep a roof over our kids heads and utilites to keep our kids warm, car payment car insurance nothing and are telling me we wont have our money any of it till probably end of XXXX? She said sorry theres nothing we can do the account is restriced and closed and youll just have to wait for the check ... \n\nSo I hung up and called my mom and told her what was going on and she said thats not possible so I called chase back and conferenced her in and she heard everything and when i asked there reason for this decision they said it was theyre perogative to end our banking relationship due to too many fraud reports I said I said but there werent too many there were 3 back to back. Your claims department is the one that kept turning them into multiple report. she said sorry nothing we can do. I asked if there was anyway i could get access to any of the available money that was not part of the claim and she said no, I said we have direct deposits hitting and its too late to change it. She said they will get denied and sent back to the sender. So youll have to call them after. I said what about our bills that were already scheduled to come out the day you t the account the auto pay for our car insurance, phone bill and car payment. She said those were already denied. \nSo I hung up and called ssi and waited for 90+ minutes and explained the situations and requested to change the payment method. she said because of the holidays it was too late to fix the XX/XX/XXXX payment in time but she updated it for future payments. She said that chase would refuse the deposit and it would go back to them within 48 hours  and as soon as it did they would issue and mail me a check and the latest i would have that would be the XXXX. I broke down I explained everything and said i have no way to pay our rent or bills or XXXX for my kids nothing. She then asked me if the bank that was doing all this was chase bank. I said yes! she said they're horrible they do stuff like this to people all the time. she apologized profusely and I thanked her and hung up and called my husband to let him know. He said he changed his payment record but he doesnt know if its in time and if this paycheck would go on his new payroll card or chase but his employer issued him an emergency loan of {$100.00} to his card just so we could survive. I hung up and called child support and they said it would take 10 days to process so not in time to fix the payment scheduled for saturday but that they would also issue and mail a check when they got it back. \n\nSo I went home and did the application to open a new checking with a new financial institution. I got to the verification and none of the identity verification questions were anything having to do with any of my information and they said they couldnt verify my identity so they were denying my account, so I went to log onto my social security account and all of my log in info was changed. So i checked XXXX XXXX and that was changed too so I started researching, and started realizing my identity might have been stolen so I started XXXX  what to do. ( I have never had anything like this happen we're low income and dont apply for credit or anything so I dont really monitor my credit report ) thats when they XXXX  breach info and website came up and i clicked the link and entered in my info to see if I was one of the people affected during this breach and it turns out my husband and I both were. so i started putting freezes on my credit and fraud alerts. Then I get a knock and received a certified letter from the IRS stating I was delinquent on my XXXX taxes and owe {$1500.00} immediately. I had never gotten my XXXX taxes it was being audited and they were still researching it. I tried to call irs but  the government is shut down so is the transcript website and identity theft reporting site. plus holidays so wasnt anything more i could do. XXXX came and went still no access to our money or anything so I was waiting for the ssi check in the mail. Well on  XXXX XXXX I got a check in the mail from chase for {$1300.00} that stated it was for the remaing balance of my account ( s ) it didnt list which accounts or statement nothing but it was enough to cover rent and keep our lights on. I called when I got home to see what account it was for what it included etc. 3 different department managers couldnt tell me. they said they see the check was issued and mailed but nothing and that I had to just wait till everything was finalized and closed and then call and see if theyll be issuing more checks etc. \n\nI got notices from the place i financed my car through, XXXX and our cellphone internet and cable company stating the autodraft was declined and we needed to make immediate payments to avoid termination. \n\nOn XXXX second I received 11 claim update/ decision letters from chase stating that they had completed their investigations on those claims and determined they were charged and processed correctly so they were reversing the temporary credits to my account and would be removing the money on the XXXX. \n\nI also received an email from XXXX XXXX stating they could not file my taxes for this year as a return with mine, my husbands and childrens social security numbers and information had already been filed. I contacted XXXX XXXX and upon investigation all of our identities and everything from drivers liscences, social security numbers everything had been stolen so i researched and found out the tax fraud and false returns etc started back in XXXX and thats why IRS said i owed money. I pulled my credit reports and everything was changed and we had 72 inquiries and 15 fraudulent accounts opened on top of all of our personal info changed. I went to the police station and filed a report I explained everything and he said that this was why our bank account had all that fraud on it and how they got our debit card info and was able to charge everything when i hadnt even used the cards.. \n\nI got the police report number, an affidavit from the DMV plus whatever other documentation I could get right now including the fraud reports from the credit reporting agencies and called chase with the updates and requested to appeal their decisions based on the new information. It wasnt just fraud transactions my identity and all info had been stolen. \n\nShe said \" They didnt see any errors with the transaction or attempts to authorize a different amount so we We denied your claims because the transactions occurred within your geographical area, youve previously done business with the merchants, the card was in your possession and there were no bad PIN tries, and you monitored your account on chase.com during the time the fraudulent transactions were occurring, but didnt report them to us immediately. We mailed you a check for {$1300.00} Were sorry for any misunderstanding that may have occurred concerning how and when you would have access to the money in your account. We show this check paid on XX/XX/XXXX. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00} that we received on XX/XX/XXXX will be held until your claims have been finalized. Your claim for the {$30.00} XXXX transaction is still being researched and has a final resolution date of XX/XX/XXXX. Well inform you of our claim decision in writing once it has been finalized. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00}, will be held until your claims have been finalized. If any money is owed to you, well mail you a check. '' I said \" You accepted the Direct deposit of my daughters federal social security XXXX payment of {$770.00} on XX/XX/XXXX even though you completely restricted our accounts on the XXXX and rejected all of our automatic bill payments and refused to let me withdraw any of the funds in our account???? Now youre telling me youre going to hold it along with the rest of our account balance till you finalize the dispute XXXX XXXX and will issue and send me a check for the remaining balance in 10 business days??? So you fraudulenty accepted and essentially stole my XXXX daughters monthly federal ssi payment for XXXX and are not going to release it or give us access to it till end of XXXX early XXXX? '' She said well I dont know anything about that or why is was accepted etc. \nI said I want that resolved now or I will be filing a charges. Also I want to dispute the decisions made on my fraud claims they were absolutely not authorized and fraudulent they were a result of identity theft. I have never done any business with those online merchants ever! I dont ever shop online nor do I or have I ever spent that much money in single purchases. I notified you immediately when I realized the fraud I was not monitoring my account either. Theyre online not in my area. I am submitting the police report and all the documentation of the fraud including my information that was compromised in the credit reporting agency fraud. Including access to all my financial and personal accounts. Also saw 6-8 fraudulent inquiries for credit requests to you guys on my credit report that i want to dispute as well and know why i wasnt notified when my info was accessed and it was requested. \n\nThis was tuesday XX/XX/XXXX, I have not gotten any response to my appeal/ challenging of their decision nor have they released my daughters federal payment or even responded as to how and why they accepted the deposit 10 days after completely restricting my account refusing bills and holding my income.","date_sent_to_company":"2019-01-10T15:26:07.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78154","tags":"Servicemember","has_narrative":true,"complaint_id":"3121694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-01-10T15:20:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["I tried to call irs but  the government is shut down so is the transcript website and <em>identity</em> <em>theft</em> reporting site. plus holidays so wasnt anything more i could do. XXXX came and went still no access to our money or anything so I was waiting for the ssi check in the mail."]},"sort":[7.170455,"3121694"]},{"_index":"complaint-public-v1","_id":"3121697","_score":7.15841,"_source":{"product":"Checking or savings account","complaint_what_happened":"My husband and I have been loyal chase customers for over 5 years with no issues at all until starting in mid XXXX I noticed there were alot of unauthorized transactions on my husband and Is account all online purchases, as well as my other two checking accounts ( again all from online purchases ) so I called chase to report the charges and explained they would investigate file reports ( they had to file 3 reports one for each account because they said they couldnt just combine them into one report. ) They asked me if i had ever done business with any of the merchants before and I said no not online. They asked if i had given any one my card number and allowed them to use my card online again i said no. They said okay thank you and closed out these debit cards and would send me new one and i should see a temporary credit on my account for these transactions while they investigated I said great thank you so much. So I got online and printed off all the transactions for my accounts for the last three months and started going thru them and matching them with my receipts. I noticed I had missed some transactions ( seriously there were so many transactions ) and so I called chase bank and explained and asked if i could get these added to the reports they stated no they couldnt do that they had to open 3 more fraud reports. I said ok went thru everything again and again they said I would see credit in the next 12 hours. Ok awesome, So the new cards arrive I activate them and over the next 24/48 hours I use them sparingly just things like gas groceries etc. again nothing online or over {$100.00}. Well I log back on to check my accounts and notice all our accounts were drained or negative. So i start looking at the accounts thinking maybe the credits hadn't hit or they were still processing etc. Nope there was more fraud this time on all 3 of my brand new debit cards. I was shocked I called chase again and asked if this was normal what was going on etc etc. I was told its normal around this time of year with the holdidays etc. So I started new reports but this time was told I not only had to open seperate ones for each account but now also for each vendor. So i said ok and they said the same thing ok theyd investigate close out my cards/ send me new ones and issue credits. This time ( when I received my new cards about a week later ) and after I had called and activated them I only put one of them in my wallet the other two I put in our safe. I checked our accounts and saw the credits and went thru and compared the credits to the fraudulent charges I had reported I noticed that over 10 of the transactions I reported as fraudulent chase had accidentally missed. So again I called and let them know and again even tho i had already reported them they had to start new reports etc. okay again no big deal. I had this 2nd set of new debit cards in hand and activated less than 48 hours and I log on to see if they had reported the rest of the transactions and low and behold more fraud. Even on the cards that were completely untouched and in my safe!!! On the other one I had made a total of two purchases with one for {$6.00} at the pharmacy for my XXXX XXXX daughter and the other one for {$25.00} on gas. I was completely dumbfounded. So I immediately called chase again this was XX/XX/XXXX at about XXXX XXXX and reported the charges and asked what I could do could I close the accounts and open new ones with new bank account numbers? I had already changed my password on my chase account. They said no they couldn't do that till all these reports had been investigated. I said okay and filed the new reports and just decided I wouldn't even activate them this time I would just go into chase and pull off cash and use that till all this gets worked out. They again said no problem they would then close the cards send new ones etc. I asked them what I could do and how this could be happening they just said they didn't know but fraud happens alot this time of year. I said okay thank you etc. At about XXXX that XXXX   I went to log on to my chase account to check and make sure they got everything and it wouldnt let me log into my account it said to call chase for further info and help. So I call chase and they informed me that they had restricted and closing all my accounts due to a large number of fraud complaints. I told them that was them I only had 3 fraud reports they were the ones that turned each transaction into a seperate claim. I asked how I was going to get access to our money all of our money was in those accounts ( bills, my kids XXXX, everything I wan na say not even including the fraud there was at least {$2000.00} between the accounts plus my husbands paycheck was getting direct deposited friday and my daughters child support and social security XXXX. They said that I could go into a branch and pull off the funds but that the account was restricted and all deposits and transactions would be denied/ blocked and returned. They said the account would stay restricted for the next 10 business days while they finished investigating the claims and that when they were done they would close the accounts and the remaining balances would be sent to us by check 10 business days after that ( so probably by mid XXXX because of the holidays ) I said I would be going to the branch now and withdrawing the funds. I had to we needed that money we had rent due on the XXXX, electric, phones everything all due and I needed to get my kids stuff for XXXX still as we are a low income family my husband is a XXXX XXXX XXXX veteren, I am XXXX XXXX and we have XXXX XXXX XXXX XXXX XXXX XXXX children. So we have to really save and budget. We have almost no spare income but all our bills are always on time. So i go into the branch and with my XXXX kids to withdraw the funds like they told me to. I get to the teller and she looks everything up and writes down my account balances the main account without the fraud money or credits was {$420.00} the 2nd account was around {$1200.00} and the third was about {$790.00} so total was just above {$2400.00} and again that was not counting the credits for the fraud charges. So I told her i needed to withdraw that. She went and got a manager and the manager came out to tell me that they could only withdraw these amounts they could not withdraw the credits I had been issued etc I said thats fine i just need this I have bills and XXXX to pay for. She said okay I need 2 forms of ID and just give me one moment and went to the back and was there a while before returning to the window with two other individuals and stated that these were branch managers and that they were very sorry but they could not withdraw the funds from the accounts because the accounts were restricted and all deposits, withdrawals, wire transers, direct deposits, automatic bill pays everything blocked and restricted until they were done investigating the fraud and after that they had 10 business days to make a decision and close the account after that itll be 10 business days before they issue and mail me a check for the remaining balances. I said I understand that but I just spoke to you guys on the phone and was told I was not allowed access to any of the funds credited while you investigated but that the balance that wasnt included, our hard earned money that we saved for bills etc was. They said were sorry theres nothing we can do. I asked if i could just have one of the account balances the lowest one or even part of it. We had no access to any of our money at all and I just needed something to use to feed my family, cover gas, diapers, and just basic necessities to survive. They said were sorry no. So I went home and tried to figure out what to do. By the time I got home it was after XXXX and there was nothing else i could do as they were closed. So the next XXXX first thing I called chase again to explain i went to the office and they refused to let me withdraw the money. She said oh well yeah thats their disgression. I said what can i do??? I need access to some of our money, I have bills my kids need food. She said well you can try a different branch and see what they say. I asked about the direct deposits that were supposed to hit soon ( my husbands paycheck on friday, child support for my daughter on saturday and my childs XXXX  benefits on the XXXX ) she said they will all get denied and sent back to the sender as well as any other autodraft bill payments checks etc. I said this is unreal this is our money. So i called a different branch explained the situation to see if i went there if they would let me withdraw the available funds. She took my info and looked it up and said yes absolutely. She said let me just verify with my back office and call you back. About 30 min later she called me back and said that they would not be able to give me access to the funds either as corporate had restricted all withdrawals of funds too. So I asked her if there was anything I could do she said no I just had to wait for them to mail me the check. \nI called corporate back and told them what this branch said and she said then theres nothing we can do youre just going to have to wait for the check. I said no this is not okay or right, we have been good loyal customers for over 5 years, we did nothing wrong i reported legitimate fraud on our account and because of that you made the decision to restrict and close our account without warning or any notice at all and hold all our income and restrict any and all access to it and leaving us with absolutely no money. I said my husband is a XXXX XXXX XXXX veteran for the XXXX XXXX, I am a XXXX XXXX stay at home mom and we have XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX children and youre doing this right before XXXX leaving us with no way to feed ourselves or provide the bare minimus necessities, no way to do anything for our children for XXXX and holding all the money we had to pay our rent to keep a roof over our kids heads and utilites to keep our kids warm, car payment car insurance nothing and are telling me we wont have our money any of it till probably end of XXXX? She said sorry theres nothing we can do the account is restriced and closed and youll just have to wait for the check ... \n\nSo I hung up and called my mom and told her what was going on and she said thats not possible so I called chase back and conferenced her in and she heard everything and when i asked there reason for this decision they said it was theyre perogative to end our banking relationship due to too many fraud reports I said I said but there werent too many there were 3 back to back. Your claims department is the one that kept turning them into multiple report. she said sorry nothing we can do. I asked if there was anyway i could get access to any of the available money that was not part of the claim and she said no, I said we have direct deposits hitting and its too late to change it. She said they will get denied and sent back to the sender. So youll have to call them after. I said what about our bills that were already scheduled to come out the day you t the account the auto pay for our car insurance, phone bill and car payment. She said those were already denied. \nSo I hung up and called ssi and waited for 90+ minutes and explained the situations and requested to change the payment method. she said because of the holidays it was too late to fix the XX/XX/XXXX payment in time but she updated it for future payments. She said that chase would refuse the deposit and it would go back to them within 48 hours and as soon as it did they would issue and mail me a check and the latest i would have that would be the XXXX. I broke down I explained everything and said i have no way to pay our rent or bills or XXXX for my kids nothing. She then asked me if the bank that was doing all this was chase bank. I said yes! she said they're horrible they do stuff like this to people all the time. she apologized profusely and I thanked her and hung up and called my husband to let him know. He said he changed his payment record but he doesnt know if its in time and if this paycheck would go on his new payroll card or chase but his employer issued him an emergency loan of {$100.00} to his card just so we could survive. I hung up and called child support and they said it would take 10 days to process so not in time to fix the payment scheduled for saturday but that they would also issue and mail a check when they got it back. \n\nSo I went home and did the application to open a new checking with a new financial institution. I got to the verification and none of the identity verification questions were anything having to do with any of my information and they said they couldnt verify my identity so they were denying my account, so I went to log onto my social security account and all of my log in info was changed. So i checked XXXX XXXX and that was changed too so I started researching, and started realizing my identity might have been stolen so I started XXXX what to do. ( I have never had anything like this happen we're low income and dont apply for credit or anything so I dont really monitor my credit report ) thats when they XXXX  breach info and website came up and i clicked the link and entered in my info to see if I was one of the people affected during this breach and it turns out my husband and I both were. so i started putting freezes on my credit and fraud alerts. Then I get a knock and received a certified letter from the IRS stating I was delinquent on my XXXX taxes and owe {$1500.00} immediately. I had never gotten my XXXX taxes it was being audited and they were still researching it. I tried to call irs but  the government is shut down so is the transcript website and identity theft reporting site. plus holidays so wasnt anything more i could do. XXXX came and went still no access to our money or anything so I was waiting for the ssi check in the mail. Well on XXXX XXXX I got a check in the mail from chase for {$1300.00} that stated it was for the remaing balance of my account ( s ) it didnt list which accounts or statement nothing but it was enough to cover rent and keep our lights on. I called when I got home to see what account it was for what it included etc. 3 different department managers couldnt tell me. they said they see the check was issued and mailed but nothing and that I had to just wait till everything was finalized and closed and then call and see if theyll be issuing more checks etc. \n\nI got notices from the place i financed my car through, XXXX and our cellphone internet and cable company stating the autodraft was declined and we needed to make immediate payments to avoid termination. \n\nOn XXXX second I received 11 claim update/ decision letters from chase stating that they had completed their investigations on those claims and determined they were charged and processed correctly so they were reversing the temporary credits to my account and would be removing the money on the XXXX. \n\nI also received an email from XXXX XXXX stating they could not file my taxes for this year as a return with mine, my husbands and childrens social security numbers and information had already been filed. I contacted XXXX XXXX and upon investigation all of our identities and everything from drivers liscences, social security numbers everything had been stolen so i researched and found out the tax fraud and false returns etc started back in XXXX and thats why IRS said i owed money. I pulled my credit reports and everything was changed and we had 72 inquiries and 15 fraudulent accounts opened on top of all of our personal info changed. I went to the police station and filed a report I explained everything and he said that this was why our bank account had all that fraud on it and how they got our debit card info and was able to charge everything when i hadnt even used the cards.. \n\nI got the police report number, an affidavit from the DMV plus whatever other documentation I could get right now including the fraud reports from the credit reporting agencies and called chase with the updates and requested to appeal their decisions based on the new information. It wasnt just fraud transactions my identity and all info had been stolen. \n\nShe said \" They didnt see any errors with the transaction or attempts to authorize a different amount so we We denied your claims because the transactions occurred within your geographical area, youve previously done business with the merchants, the card was in your possession and there were no bad PIN tries, and you monitored your account on chase.com during the time the fraudulent transactions were occurring, but didnt report them to us immediately. We mailed you a check for {$1300.00} Were sorry for any misunderstanding that may have occurred concerning how and when you would have access to the money in your account. We show this check paid on XX/XX/XXXX. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00} that we received on XX/XX/XXXX will be held until your claims have been finalized. Your claim for the {$30.00} XXXX transaction is still being researched and has a final resolution date of XX/XX/XXXX. Well inform you of our claim decision in writing once it has been finalized. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00}, will be held until your claims have been finalized. If any money is owed to you, well mail you a check. '' I said \" You accepted the Direct deposit of my daughters federal social security XXXX payment of {$770.00} on XX/XX/XXXX even though you completely restricted our accounts on the XXXX and rejected all of our automatic bill payments and refused to let me withdraw any of the funds in our account???? Now youre telling me youre going to hold it along with the rest of our account balance till you finalize the dispute XXXX first and will issue and send me a check for the remaining balance in 10 business days??? So you fraudulenty accepted and essentially stole my disable daughters monthly federal ssi payment for XXXX and are not going to release it or give us access to it till end of XXXX early XXXX? '' She said well I dont know anything about that or why is was accepted etc. \nI said I want that resolved now or I will be filing a charges. Also I want to dispute the decisions made on my fraud claims they were absolutely not authorized and fraudulent they were a result of identity theft. I have never done any business with those online merchants ever! I dont ever shop online nor do I or have I ever spent that much money in single purchases. I notified you immediately when I realized the fraud I was not monitoring my account either. Theyre online not in my area. I am submitting the police report and all the documentation of the fraud including my information that was compromised in the credit reporting agency fraud. Including access to all my financial and personal accounts. Also saw 6-8 fraudulent inquiries for credit requests to you guys on my credit report that i want to dispute as well and know why i wasnt notified when my info was accessed and it was requested. \n\nThis was tuesday XX/XX/XXXX, I have not gotten any response to my appeal/ challenging of their decision nor have they released my daughters federal payment or even responded as to how and why they accepted the deposit 10 days after completely restricting my account refusing bills and holding my income.","date_sent_to_company":"2019-01-10T15:29:19.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78154","tags":"Servicemember","has_narrative":true,"complaint_id":"3121697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-01-10T15:26:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["I tried to call irs but  the government is shut down so is the transcript website and <em>identity</em> <em>theft</em> reporting site. plus holidays so wasnt anything more i could do. XXXX came and went still no access to our money or anything so I was waiting for the ssi check in the mail."]},"sort":[7.15841,"3121697"]},{"_index":"complaint-public-v1","_id":"14277592","_score":6.9926443,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, th 2025 I received a call from a person who stated they were tech support for paypal & Venmo. I accepted the call and believed it was legitimate because my son had been having problems with his account, and told me I would be receiving a call and to please answer so he could get his account back in order. The man who called me said he needed me to cooperate and answer some questions so that he could get my sons account straightened out. He told me first he needed me to verify who I was before they could have me as a verifier from my sons account. He asked me to go to an app on my phone called log me in plus rescue then he told me to type a number XXXX. He said he needed to use this app to mirror my phone and established that I am who I say I am. Once I logged into that account, he then asked me to proceed to my PayPal account. Once I did this, he asked me to click on my profile and then he read my account information aloud and asked me if each line was accurate and up-to-date. This included my full name phone number address email And payment methods. He also inquired if I had a Venmo account as well as a PayPal account or any other kind of cash app. At this point, I began to get uncomfortable and he said to me this is the only way to reconnect my sons account with mine And that I was a trusted verifier. He then asked me dont you want to help your son? So we continued the call for a while and then he said they would have to do a couple of mock transactions and told me to write decline limit and nothing would be taken from any of my accounts. It was just to reestablish the connection from me and my son at this point I was very anxious. We began to have words and at one point my husband entered the room and the man disconnected .later that day I went to my PayPal and Ive realized five transactions in a row had been written on my account and they were for thousands of dollars. The total amount came to what was the total amount was {$13000.00} .I immediately contacted Paypal and told them what was going on and that I did not authorize any of these transactions. The first person I spoke to told me that we needed to change my password, and some other information to keep my account safe. Later that evening I noticed a payment was pending on my PayPal account for {$1000.00}. And it was being charged to my credit card. I immediately called paypal again and told them I did not authorize this - I called my credit card company and told them what was going on, and they put a lock on my card, and opened up an investigation, while also is issuing me a new card. The next morning, I checked my PayPal account to see that three transactions were going through. Two of the transactions were directly to my personal bank account. Again, I notified Paypal and then I went directly to my bank. I also informed them what was going on. I had to change all my banking information and open up different accounts. I had been on the phone for several weeks with Paypal trying to resolve this. They kept telling me that the charges looked fine and they didnt see any third-party interactions on my account. They also said the money was going to my sons account and I have sent him money before. I agreed with that fact, but the amounts I have sent my son were typically only {$50.00} occasionally {$100.00} because she was doing some work for me. I told them I have never sent thousands of dollars to anyone in especially not performed five transactions in a row on the same day. The final person I spoke to at Paypal told me I was a victim of what is called social engineering where people create fake accounts that look very much like the real thing with only minor differences. I was also told to report this to IC3 and I did that. I also reported it to all three credit bureaus that I was a victim of fraud and social engineering. I also reported it to. identity theft.gov. By that time I had plenty of paperwork and my bank had done an investigation as well as my credit card company and found the charges to be fraudulent and charged them back to Paypal. I have letters for all of this and photocopies of all of the transactions I presented them all to Paypal in a hardcopy form and mailed it directly to Paypal at their XXXX XXXX office. I wrote attention fraud dept/ resolution center. Paypal continue to tell me that these are my charges. After many many phone calls, I finally gave up on trying to get this resolved with them. I tried to close the account. They will not allow me to close the account because I have a negative balance they have accepted the fraud letter from my credit card and taken off the XXXX $ off debt.total, but Ive now sent this case to XXXX XXXX XXXX international collection agency and are trying to collect {$7900.00} from me. I am struggling so much with this and dont know what else to do. These are fraudulent charges and no matter how much I send to the PayPal company they refused to accept what happened to me. I have been with Paypal for 3 to 4 years and never ever made transactions like this on my account. I have been told by them they have no fraud protection for friends and family, and since the money went to my sons account, but then was immediately sent to some other cash place that I am liable. They are also now trying to collect the XXXXXXXX XXXX from my son that my credit card company said was fraudulent so now they want him to assume the XXXXXXXX XXXX debt. I have a very good credit score, I have very little debt even though I have a lot of credit available to me. I am a responsible adult and would never try to use money in this way. I hope you can help. I know there are many others that I have seen on the web who are also dealing with these kind of issues through Paypal. These accounts seem to get hacked quite often and Paypal takes no responsibility for them or offers no protection for their users.","date_sent_to_company":"2025-06-25T17:41:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"06360","tags":"Older American","has_narrative":true,"complaint_id":"14277592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-06-25T16:48:10.000Z","state":"CT","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I also reported it to. <em>identity</em> <em>theft</em>.gov. By that time I had plenty of paperwork and my bank had done an investigation as well as my credit card company and found the charges to be fraudulent and charged them back to Paypal. I have letters for all of this and photocopies of all of the transactions I presented them all to Paypal in a hardcopy form and mailed it directly to Paypal at their XXXX XXXX office. I wrote attention fraud dept/ resolution center."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[6.9926443,"14277592"]},{"_index":"complaint-public-v1","_id":"6681303","_score":5.969962,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EQUIFAX CFPB XX/XX/XXXX To Whom it May Concern ; I am writing you about inaccuracies that are being inequitably furnished by Equifax on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, Equifax is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Available apartments I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX! My safe livelihood is at stake and I am at risk of homelessness because of EQUIFAX not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that Equifax investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15 USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party.\n\nI was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary. I did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ;. Block and Delete Update the account as paid/current I was never late on this account. Update the account as paid/current The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. The use of a ( federal reserve ) Note is only a promise to pay. Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.\n\nI can't provide exact dates because I have beeN TRYING FOREVER As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ), I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. \nI am comprehending that the credit reporting agencies, EQUIFAX INCXXXX, XXXX AND XXXX delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, 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> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. Thank you for your time and effort in this important and urgent matter.\n\nI disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud. ALSO According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 The US Congress passed the Emergency Banking Act. IT WAS LATER announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.\n\nPer Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX XXXX { {$60.00} } is reporting incorrect across all XXXX credit reporting agencies EQUIFAX, XXXX, XXXX XXXXPer 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. The credit reporting agencies are not to report income on my credit report. Every month EQUIFAX INC. is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system. \nEQUIFAX INC. has violated my privacy numerous of times by selling my information multiples times to 3rd party without my consent. XXXX and XXXX XXXX XXXX are the two companies XXXX XXXX XXXX, AND EQUIFAX has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. EQUIFAX INC. 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. EQUIFAX INC. and XXXXXXXX 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. Here is a list of laws that EQUIFAX INC. is abusing and violating me as well as all 3 credit reporting agencies EQUIFAX INCXXXX, XXXX and XXXX. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. \n\n\n\nXXXX XXXX","date_sent_to_company":"2023-03-11T16:25:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681303","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-11T16:08:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Code 1681c2 - Block of information resulting from <em>identity</em> <em>theft</em>. : ( a ) Block Except as otherwise provided in this section, 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 <em>identity</em> <em>theft</em>, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[5.969962,"6681303"]},{"_index":"complaint-public-v1","_id":"10891123","_score":3.9560893,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX US BANK XXXX XXXX : TRUSTEE XXXX XXXX : LAWYER TESTIMONY UNDER GOD. \nLeviticus 5:1 \" anyone who sins and is aware of it must testify before the lord and bring as his penalty a ram from the flock, one without defect or fault.\n\nFirst there is a bifurcation of the note and mortgage, debt collectors now have the account violation of FTC SEC IRS FINCEN XXXX SERVERAL OTHERS and violations of the FDCPA etc .... \n\n\nOn XX/XX/XXXX FROM THE XXXX XXXX XXXX a XXXX based company and representatives of said company settled upon a HELOC LOAN with XXXX XXXX XXXX. We assumed the company was acting in good faith but after further investigation of the mortgage we found that the companies involved acted in bad faith. Falsification of submitted documents, signatures, recordings in the courts, double bookkeeping entries, and the transfer of the asset. XXXX XXXX, XXXX XXXX XXXX, U.S. BANK XXXX XXXX XXXX ( not in its official capacity solely as trustee for XXXX XXXX XXXX, are apart of this fraudulent transfer of the asset. We noticed a discrepancies once were we contacted by XXXX XXXX XXXX that claimed payments were missed ( default ) and that immediate payment was needed or they would accelerate to foreclosure proceedings. XX/XX/XXXX was the referenced date in which a payment was made and accepted by XXXX XXXX XXXX. The payment included the 3 months of payments plus interest. XXXX XXXX  had direct access to the account to retrieve funds do to the account made payable was set up through autopay at XXXX XXXX  located at XXXX XXXX XXXX XXXX  XXXX XXXX, Pa XXXX. XXXX XXXX XXXX claimed the same issue XXXX of XXXX in which payment was made again to XXXX XXXX XXXX and accepted. That is when we started to research the issue with payments and the account. We reached out to XXXX XXXX  to investigate the allegations made by XXXX XXXX XXXX that we were not making payments as scheduled from autopay out of the account held by XXXX XXXX. XXXX XXXX  informed us of the transaction history and found that XXXX XXXX DID INDEED receive payment electronically from the autopay set up on the account. There was no return funds from XXXX XXXX XXXX back to the account only payments sent. XXXX XXXX XXXX claimed that on the first of every month they would retrieve the payment, and then they would return the payment on the XXXX of every month. XXXX XXXX XXXX when asked claimed that they never received the payments and they returned what the did receive during that transaction. But after investigating the transaction with XXXX XXXX  we concluded that something was not right. XXXX XXXX  launched an investigation into the account which caused a domino affect into the hardships now faced by our family. With the account being on hold do to investigation it created economic hardships. Which affected our personal and business credit profiles, missed payments to other accounts and tons of pain and suffering. Which ended up with the account being closed. We experienced identity theft issues do to the negligence of XXXX XXXX XXXX and its agents and affiliates. XXXX XXXX XXXX then accelerated to foreclosure proceedings in which we were contacted by a lawyer based in XXXX. We were not properly served and did not receive any proper form of communication. From XXXX of XXXX Until XXXX of XXXX we tried to reach a conclusion with XXXX XXXX XXXX. We researched the transaction from the best of our knowledge with clean hands and honor. Due to the lack of information being shared by the companies, we could only gather as much information as publicly possible. XXXX XXXX US BANK XXXX XXXX. AND XXXX XXXX XXXX claimed that they did not have to disclose account information to the account holder because it was company policy. But in Pennsylvania the right to know law a adopted interpretation of the FREEDOM OF INFORMATION ACT, states we have right to full disclosure of any information. After several attempts and blatant refusal by the companies we pursued to gather what we could. Starting at the beginning, what is a mortgage? What type of mortgage do we have? What bank or banks are involved? etc.. We concluded with a few red flags starting with the settlement. Loan amount was for XXXX in which on the day of closing only about XXXX was deposited we asked why and was informed it went into the escrow account incase payments can not be made. So we looked into escrow accounts and according the IRS PUBLICATION 537 the buyers obligation is paid in full when the balance of purchase price is deposited into the escrow account. When the escrow account is established, you no longer rely on the buyer for the rest of the payment, but on the escrow arrangement. Which means they held another XXXX in the escrow account along with the funds deducted from the initial amount. Which led us further into what accounting means, double bookkeeping entry systems, and all that involved XXXX XXXX, and XXXX. We tracked the account all the way into a Fund held by XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX being sold on the market. Which meant that our transaction was a secondary one and that we were never compensated and valuable consideration for the cashable item used by the bank to secure funding. We now know that the application was a cashable item and was pooled with other items and being serviced under one account. Which lead us into how the loan was structured and the identity of all parties. This information was not disclosed to us in anyway. We were unaware of the funds held in escrow by the title company the day of settlement. That they use false misleading business tactics like taking the escrow after the fact to mask what intentions they truly have. We found that banks can not lend there own money. We found that banks are borrowers of the FEDERAL RESERVE SYSTEM operating circular 9. We found that UCCC ( that all banks are intermediaries ). We found that banks invest on behalf of customers and investors. We are the customers, our taxpayer identification number was used in this transaction. Which means that this is a tax issue and according to IRS PUBLICATION 4681. In which the parties involved are falsifying documents submitting and not submitting tax forms using legalese to mislead cause economic harm etc. We have proof of the accounting from an independent audit, and almost positive that once full accounting is obtained we may also conclude all the violations this transaction. With further investigation we found that sharing account information with anyone outside the account holder is a violation major violation according to the FEDERAL TRADE COMMISSION etc... We have tried to settle the matter but all the parties involved have provided a safe avenue to redemption of the mortgage. We have a right to equitable redemption. We are the Owners of the accounts all proceeds rights titles interest chattels rents debits credits debentures derivatives. As these company are using unjust enrichment errors of omission, piracy, identity theft, bank levy, false tax reporting 's securities reporting financial statements agreements etc. filed with SEC and local and state departments of revenue etc.. So we ask some questions for clarity to foreclosure. \nDefinitions and Resources : FORECLOSURE. To shut out, to bar, to destroy an equity of redemption. XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX. A termination of all rights of the mortgagor or his grantee in the property covered by the mortgage. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX \nXXXX, XXXX. \nThe term is also loosely applied to any of the various methods, statutory or otherwise, known in different juris- dictions, of enforcing payment of the debt secured by a mortgage, by taking and selling the mortgaged estate. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX. \n\nUniform Commercial Code article 8 definitions : ( 1 ) \" Adverse claim '' means a claim that a claimant has a property interest in a financial asset and that it is a violation of the rights of the claimant for another person to hold, transfer, or deal with the financial asset.\n\n( 9 ) \" Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( as this applies because the Commercial Loan Agreement ) What is a mortgage? \nXXXX XXXX. XXXX  2 Definitions \" The literal meaning of the word \" mortgage '' is \" dead pledge '', 13 a mortuum vadium. 14 The term \" mortgage '' may be employed as meaning the debt secured by the mortgage ; 15 but in its true sense an ordinary mortgage is not a debt, 16 as the debt is the principle obligation, and the mortgage is generally regarded as merely an incident or accessory to the debt.17 A mortgage is an interest in land 18 created by a written instrument 19 providing security for the performance of a duty or payment of debt, 20 and is usually evidenced by a note. 21 ( do to the lack of signatures by the opposing party only our signatures to the contract are here ) Which makes the contract unenforceable and we sent commuications certified mail to the responsible parties with no response from all accept U.S. Bank XXXX XXXX that stated that XXXX XXXX is the party that needed to be addressed. They claimed they had no dealings with the transaction. Which was false, and according to the foreclosure case they were directly involved. \n\nThe term qualified mortgage means ( A ) any obligation ( including any participation or certificate of beneficial ownership therein ) which is principally secured by an interest in real property and which ( i ) is transferred to the REMIC on the startup day in exchange for regular or residual interests in the REMIC, ( ii ) is purchased by the REMIC within the 3-month period beginning on the startup day 26 USC 860 ( G ) ( A ) ( 3 ) What is a REMIC?\n\n26 USC 860D : For purposes of this title, the terms real estate mortgage investment conduit and REMIC mean any entity ( 1 ) to which an election to be treated as a REMIC applies for the taxable year and all prior taxable years, ( 4 ) as of the close of the 3rd month beginning after the startup day and at all times thereafter, substantially all of the assets of which consist of qualified mortgages and permitted investments, ( B ) Inadvertent terminations If ( i ) an entity ceases to be a REMIC, 26 USC 856 : A corporation, trust, or association shall not be considered a real estate investment trust for any taxable year unless ( 1 ) it files with its return for the taxable year an election to be a real estate investment trust or has made such election for a previous taxable year, and such election has not been terminated or revoked under subsection ( g ) ; What must the REMIC do to foreclose on your property?\n\n26 USC 856 ( e ) SPECIAL RULES FOR FORECLOSURE PROPERTY ( 1 ) FORECLOSURE PROPERTY DEFINED For purposes of this part, the term foreclosure property means any real property ( including interests in real property ), and any personal property incident to such real property, acquired by the real estate investment trust as the result of such trust having bid in such property at foreclosure, or having otherwise reduced such property to ownership or possession by agreement or process of law, after there was default ( or default was imminent ) on a lease of such property or on an indebtedness which such property secured. Such term does not include property acquired by the real estate investment trust as a result of indebtedness arising from the sale or other disposition of property of the trust described in section 1221 ( a ) ( 1 ) which was not originally acquired as foreclosure property.\n\n26 USC 856 ( 5 ) TAXPAYER MUST MAKE ELECTION Property shall be treated as foreclosure property for purposes of this part only if the real estate investment trust so elects ( in the manner provided in regulations prescribed by the Secretary ) on or before the due date ( including any extensions of time ) for filing its return of tax under this chapter for the taxable year in which such trust acquires such property. A real estate investment trust may revoke any such election for a taxable year by filing the revocation ( in the manner provided by the Secretary ) on or before the due date ( including any extension of time ) for filing its return of tax under this chapter for the taxable year. If a trust revokes an election for any property, no election may be made by the trust under this paragraph with respect to the property for any subsequent taxable year. \nWhat regulation are they talking about? lets take a look! \nXXXX XXXX XXXXXXXX Keep in mind that the taxpayer here is the REMIC, meaning the trustee who presides over the REMIC must make these elections and do everything in his fiduciary power NOT TO COMPROMISE THE TAX STATUS OF THE REMIC! !!!\n\n26 USC 856 ( g ) TERMINATION OF ELECTION ( 1 ) FAILURE TO QUALIFY An election under subsection ( c ) ( 1 ) made by a corporation, trust, or association shall terminate if the corporation, trust, or association is not a real estate investment trust to which the provisions of this part apply for the taxable year with respect to which the election is made, or for any succeeding taxable year unless paragraph ( 5 ) applies. Such termination shall be effective for the taxable year for which the corporation, trust, or association is not a real estate investment trust to which the provisions of this part apply, and for all succeeding taxable years.\n\n( 2 ) REVOCATION An election under subsection ( c ) ( 1 ) made by a corporation, trust, or association may be revoked by it for any taxable year after the first taxable year for which the election is effective.\n\nA revocation under this paragraph shall be effective for the taxable year in which made and for all succeeding taxable years. Such revocation must be made on or before the 90th day after the first day of the first taxable year for which the revocation is to be effective. Such revocation shall be made in such manner as the Secretary shall prescribe by regulations.\n\n( 3 ) ELECTION AFTER TERMINATION OR REVOCATION Except as provided in paragraph ( 4 ), if a corporation, trust, or association has made an election under subsection ( c ) ( 1 ) and such election has been terminated or revoked under paragraph ( 1 ) or paragraph ( 2 ), such corporation, trust, or association ( and any successor corporation, trust, or association ) shall not be eligible to make an election under subsection ( c ) ( 1 ) for any taxable year prior to the fifth taxable year which begins after the first taxable year for which such termination or revocation is effective.\n\nThe servicer or attorney is liable for the tax, or whoever did not transfer it in time. Keep in mind that if the REMIC takes the defaulted note and transfers it after the 3 month deadline the whole REMIC loses it's tax status.\n\nHow does a REMIC acquire property?\n\nFormation and Initial Transfer of Assets : When a REMIC is initially formed, it acquires a pool of mortgages or mortgage-backed assets from a transferor, typically using a trust agreement. This transfer is often part of the REMICs creation, where the transferor places qualifying mortgages or mortgage-related assets into the REMIC structure .\n\nForm 1066, U.S. Real Estate Mortgage Investment Conduit ( REMIC ) Income Tax Return, is then used by the REMIC to report its income and tax elections but is not required to formally acquire the property.\n\nForeclosure and Election for Foreclosure Property : When the REMIC acquires property through foreclosure or similar means ( if a borrower defaults on a mortgage within the REMIC ), it can make an election to treat the property as foreclosure property. This is done on Form 1066 by attaching a statement to the form for the tax year in which the REMIC acquires the property.\n\nThis election classifies the foreclosed property as foreclosure property, which is important for favorable tax treatment, as it avoids having the income from the property treated as prohibited income for REMIC purposes.\n\nReporting Requirements : While Form 1066 is the primary reporting form, theres no form specifically required to acquire property into the REMIC. Instead, the acquisition is documented through legal agreements and records with the trust administrator, often filed in county records for foreclosures.\n\nSchedule Q ( Form 1066 ) is also used by the REMIC to report information to residual interest holders, including details about the income and property held by the REMIC.\n\nForm 1066 Statement : This statement is an attachment to Form 1066, U.S. Real Estate Mortgage Investment Conduit ( REMIC ) Income Tax Return.\n\nIt includes details about the property that the REMIC acquired through foreclosure and an explicit election under IRC 856 ( e ) to treat the property as foreclosure property.\n\nPurpose : This election allows the REMIC to classify the property as foreclosure property for tax purposes, meaning it can avoid taxes on income that would otherwise be considered non-qualifying income.\n\nForm 1099-A : Form 1099-A is issued by a lender when there is an acquisition or abandonment of secured property, typically by a financial institution to report the acquisition or abandonment of property to both the IRS and the borrower .\n\nPurpose : For the REMIC, Form 1099-A is relevant only if the REMIC must report the acquisition or abandonment of a secured property ( typically when the borrower defaults and the REMIC acquires the property ). The REMIC might use Form 1099-A to document the foreclosure for reporting purposes.\n\nKey Detail : Form 1099-A is sent to the IRS and the borrower, while the election statement attached to Form 1066 is only for the IRS to claim the foreclosure property status.\n\nand now the entire fund has been compromised .....\n\nFORM 56 AND FORM 56F were issued to the IRS on all the financial institutions involved and all other persons breach of this relationship lack of disclosure etc ....\n\nthe debt was discharged and accepted by the internal revenue service copies have been sent to the company and they have not returned those copies In order to transfer or assign a mortgage one must satisfy the mortgage meaning it was paid in exchange for the asset. I notice the fraudulent recording of the mortgage on public record as there were issues with chain of title and recording and by using affiliations and quid pro quo tactics these institutions are stealing properties all across the United States. We have requested an audit from the internal revenue service for the matter. \n\nthe company discharges its obligations with the US Treasury. All deposits notes bills bonds coupon etc ... .as per XXXX prospectus XXXX XXXX XXXX  is the registered agent to U.S. Bank XXXX XXXX and is now liable for damages we seek... \n\nthis is a tax issue, payment means to perform and these companies did not perform therefore we revoke there power of attorney over the transaction. We have a right to opt of the sharing of our information. These companies have a fiduciary duty to handle these accounts properly and these companies listed are repeat offenders of major violations and have been disciplined as such. Yet they continue to defraud the public interest the government the financial industry etc. The asset has been foreclosed on and sold and threats have been made to us. As we seek equitable relief and to restore our rights we have now begun alerting the property authorities. We pray for relief in the matter In god we trust. \n\nIssues : Lack and Failure of Consideration Failure to Comply with Notice Provisions Failure to Comply with Release Provisions Electing the fraud Remedy Non-justified threats of physical harm, criminal prosecution or financial ruin Waiver of Right Privilege Advantage or Benefit Non-waiver Provisions Unclean hands Doctrine Absence of impairment of security tender of payment etc...\n\nFollowing disciplinary actions as to the complaint being made. \nCFPB TAKES ACTION AGAINST XXXX XXXX  FOR ILLEGAL FORECLOSURE ACTIONS AND VIOLATING LAW ENFORCEMENT ORDER CEO XXXX XXXX XX/XX/XXXX FOLLOWING THE INVESTIGATION FROM XXXX. \n\nU.S. BANK XXXX XXXX FINCEN PENALTY FOR VIOLATIONS OF ANTI-MONEY LAUNDERING LAWS. XX/XX/XXXX CASE LAW FOR XXXX V. US BANK SPECIAL PURPOSE ENTITIES are powerful financial tools. Can be either on and offshore and normally Off-balance sheet, bankruptcy remote, and illegitimate uses. They can be structures that lend themselves to money laundering, disguised as loans of revenue misstate earning through wash trades, concealment of losses embezzlement and accounting improprieties the asset was granted conveyed and transferred to XXXX XXXX XXXX XXXX XXXX XXXX by the OWNER of XXXX XXXX XXXX XXXX as true owner of the asset. Poa filled with the internal revenue service The account has been pledged and assigned to the US Treasury per UCC 1 & 3 filed in the great state of NEW YORK. non UCC agricultural lien... \n\nWe are left at alerting the regulatory authorities for this breach of fiduciary duty and a host of other violations. CFPB, XXXX, SEC, FDIC, FTC, FBI, IRS, TREASURY, SSA, FINCEN, ATTORNEY GENERAL etc .... \n\nwe tried to upload supporting documents but they wont take","date_sent_to_company":"2024-12-05T17:59:11.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"10891123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2024-11-22T08:51:54.000Z","state":"PA","company_public_response":null,"sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["XXXX XXXX  launched an investigation into the account which caused a domino affect into the hardships now faced by our <em>family</em>. With the account being on hold do to investigation it created economic hardships. Which affected our personal and business credit profiles, missed payments to other accounts and tons of pain and suffering. Which ended up with the account being closed. We experienced <em>identity</em> <em>theft</em> issues do to the negligence of XXXX XXXX XXXX and its agents and affiliates."]},"sort":[3.9560893,"10891123"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":28,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":28}]}},"product":{"doc_count":28,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":9},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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