{"took":695,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":137,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12006966","_score":22.720219,"_source":{"product":"Student loan","complaint_what_happened":"I have been a claimant in the Class Action Lawsuit, Case No. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navient Solutions , LLC, Navient Credit Finance Corporation . I got to the finish line of this 12+ year lawsuit and submitted a claim. My four XXXX XXXX Loans, as part of the settlement agreement, should have been \" forgiven '' and a reimbursement check of {$130000.00} sent to me. The Settlement Administrator notified me as they progressed to the payment portion of the settlement, that Navient had denied my claim as Navient does not own my loans. This is not true. I have tried to contact the attorneys on both sides of this lawsuit, but no one will respond. I did write to Navient via the website and received this affirmation of Navient owning my loans : XXXX, Thank you for contacting us regarding the Lender of your loans.\n\nThe current lender of your loans is Navient XXXX XXXX XXXX. The ownership did not leave Navient, Navient has held your loans since 2014 when Sallie Mae and\n\nNavient split into two separate entities. We appreciate the opportunity to serve you.\n\nBest Regards, XXXX, Loan Servicing Specialist I need help making Navient honor the settlement of this lawsuit, forgive my four XXXX XXXX loans, and reimburse me payments made when they should have been returned due to the loan 's validity.\n\n\nI have many files I can send to back up my claims and show Navient is not being truthful or fulfilling its obligation to the settlement agreement. I am certain that there are many others that may have had their claims denied with fictitious reasons as well. Please help. Can you ask XXXX XXXX XXXX XXXX  office to help too? \n\nThank you, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-09T19:19:51.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"23454","tags":null,"has_narrative":true,"complaint_id":"12006966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2025-02-09T18:50:03.000Z","state":"VA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["The <em>Settlement</em> Administrator <em>notified</em> me as they progressed to the payment portion of the <em>settlement</em>, that Navient had denied my <em>claim</em> as Navient does not own my loans. This is not true. I have tried to contact the attorneys on both sides of this <em>lawsuit</em>, but no one will respond. I did write to Navient via the website and received this affirmation of Navient owning my loans : XXXX, Thank you for contacting us regarding the Lender of <em>your</em> loans."],"issue":["Dealing with <em>your</em> lender or servicer"]},"sort":[22.720219,"12006966"]},{"_index":"complaint-public-v1","_id":"4325150","_score":21.393719,"_source":{"product":"Debt collection","complaint_what_happened":"In accordance with NYS law, I am hereby notifying you of my intent to bring a lawsuit against you for violating FDCPA Violation and FCRA violations. My grievances are thus. I will be pursuing settlement through the court system. \n\nOver the past months, since I have notified your company of my grievance and requested an investigation. I have received no compensation or acknowledgment of my request. \n\nIf you wish to settle this claim with me or my attorney, XXXX XXXX, I am open to discussion outside of the courts. Please contact me at mailing address. Thank you for your time.","date_sent_to_company":"2021-04-23T23:44:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"10453","tags":null,"has_narrative":true,"complaint_id":"4325150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2021-04-23T23:26:07.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["In accordance with NYS law, I am hereby <em>notifying</em> you of my intent to bring a <em>lawsuit</em> against you for violating FDCPA Violation and FCRA violations. My grievances are thus. I will be pursuing <em>settlement</em> through the court system. \n\nOver the past months, since I have <em>notified</em> <em>your</em> company of my grievance and requested an investigation. I have received no compensation or acknowledgment of my request."]},"sort":[21.393719,"4325150"]},{"_index":"complaint-public-v1","_id":"12847849","_score":20.49269,"_source":{"product":"Mortgage","complaint_what_happened":"Wells Fargo in {$94.00} mln settlement over mortgage forbearance during pandemic XX/XX/XXXX ( XXXX XXXX XXXX Wells Fargo & Co ( WFC.N ), opens new tab has reached a {$94.00} XXXX settlement to resolve class-action claims it sent more than XXXX struggling mortgage borrowers into forbearance during the COVID-19 pandemic without their consent. \nThe proposed settlement was filed last week in the federal court in XXXX, Ohio, and requires a judge 's approval. \n\nWells Fargo COVID Forbearance Settlement Litigation 1. How was my payment amount determined? \nUnder the Settlement, Wells Fargo has agreed to establish a Settlement Fund totaling {$180.00} XXXX ( {>= $1,000,000} ) to provide the following benefits as consideration for the resolution and release of the Class Members ' claims : o The first {$89.00} XXXX ( {>= $1,000,000} ) will be distributed equally as Automatic Payments to Class Members who did not exclude themselves from the Settlement, pro rata based upon the number of mortgages placed into an At-Issue Forbearance. Class Members who are coborrowers on a Mortgage that received an At-Issue Forbearance will be treated as a single Class Member for the purposes of receiving an Automatic Payment ; and o In addition to the Automatic Payment, each Co-Borrower on a Mortgage that received an At-Issue Forbearance, and who did not exclude themself from the Settlement, will receive an additional {$83.00} automatically ( \" Co-Borrower Payment '' ). The Co-Borrower Payment ( s ) shall be included in the Automatic Payment check distributed for the associated mortgage account.\n\n2. When will I receive payment for my filed claim?\n\nSupplemental claims are currently being processed. There will be a separate check payment mailed to you, if your supplemental claim is approved. Cashing your Automatic Payment check has no impact on your claims review or potential award.\n\n3. What is the status of my supplemental claim?\n\nYour supplemental claim is being processed. If there is any additional information and/or supporting documentation required to process your claim, you will receive a Defect Letter notifying you of the needed updates before a decision of approval or denial is made.\n\n4. What is this lawsuit about?\n\nIn the earliest days of the COVID-19 pandemic, when many customers were expressing concern about financial hardship and their ability to make their next mortgage payment, Wells Fargo made a decision to provide mortgage forbearances to certain customers who had made an inquiry or expressed hardship but had not explicitly requested a forbearance. A forbearance temporarily suspends a customer 's obligation to make payments on their mortgage. However, some of the customers who received payment forbearances did not want them. \nPlaintiffs allege that Wells Fargo placed customers into forbearance without informed consent. Plaintiffs contend that Wells Fargo 's actions harmed certain customers if, for instance, the forbearance resulted in ( a ) a new credit application to be denied or ( b ) an increased interest rate or other credit cost on a new credit application. Wells Fargo denies any and all allegations of wrongdoing and does not admit or concede any actual or potential fault, wrongdoing, or liability in connection with any facts or claims that have been or could have been alleged in the lawsuit or in any similar action. \n\nFor some reason, I'm not a part of this lawsuit. Please see the attachment, as Wells Fargo put me into a COVID-19 Forbearance without my consent.","date_sent_to_company":"2025-04-06T17:14:31.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"30331","tags":"Servicemember","has_narrative":true,"complaint_id":"12847849","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-04-06T17:06:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["If there is any additional information and/or supporting documentation required to process <em>your</em> <em>claim</em>, you will receive a Defect Letter <em>notifying</em> you of the needed updates before a decision of approval or denial is made.\n\n4. What is this <em>lawsuit</em> about?"]},"sort":[20.49269,"12847849"]},{"_index":"complaint-public-v1","_id":"8077418","_score":18.605156,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"First of all the previous complaint number was # XXXX and it was closed because when I called I was unable to answer a question due to a medical condition. I am reopening this complaint or starting a new one with the same dispute and additional added knowledge. This is also from a previous dispute against mortgage company, XXXX XXXX. \n\nThe national settlement did in fact include me as well as a few others but because XXXX XXXX lied and said they made me whole ( OCC ) and others I was not compensated. Now, according to DOJ settlement and agreement with this same bank there were to include no foreclosure claims, filings or lawsuits while in a mortgage modification ( temporary, permanent, proceeding, etc. ). If in fact this occurred they all the banks included in the lawsuit were in violations and agreed to pay the billions of dollars settled by the Federal Agencies, one mainly is the Department of Justice. I was never notified of the sale while paying a modification monthly after it was approved, or did they the bank forget that. Yes, I was still paying each month while you told me ( the bank ) they withdrew the foreclosure. Yes, to date I have still have that conversation recorded and the bank representatives emails and voice messages. \n\nAccording again to the national settlement agreement the bank foreclosed erroneously and wrongfully and they know this. But what I did not know after they requested over {$300000.00} for me to pay to purchase the home, when they in fact sold it for under {$70000.00}. I just learned of this recently by and from the Department of Treasury why was I not told this then. I also am being told that there were know request in the court motion or otherwise that a motion was filed to set aside by XXXX XXXX XXXX. In fact, my attorney filed that motion after I discovered while paying the modification that it had been sold. Who is telling these lies, the bank should have never filed a foreclosure the entire time they offered me the modification, temporary and permanent while I was paying on a timely basis and was never told of any violations or was never warned of a sale. \n\nHow could they confirm that this foreclosure was valid, when they agreed to the terms of the national settlement class action wrongful modification and sale lawsuit. Also, with the other lawsuits they precluded me from when in fact I was automatically a candidate and victim of the same treatment. Because they did not divulge the truth is why I was not compensated each time. In fact, when I was notified of the first and recently spoke to XXXX XXXX and the oversight monitor they were never notified the house had been sold! All applicable state laws were not followed, in fact you violated the agreement with the Department of Justice, IRS, FTC and many other Federal Agencies. You were on my credit for years with this foreclosure/sale in which you conducted wrongfully. The servicing guidelines and agreement from and by XXXXXXXX XXXX  were also in violation. Remember the servicing practices, was challenged and won each time against XXXX XXXX for violating your servicing practices in which all applies and included me. Especially from XXXX XXXX XXXX and now I am told XXXX  I wasn't notified, and when I was it was submitted and when I was not it still was submitted. You chose to ignore your federal many agreements with the settlement and yes, I was never notified not one time to retrieve my belongings because I never of a sale until weeks and months afterwards. In fact, this year is when I learned of the sale amount when you lied and told me I owed $ XXXX dollars. \n\nThese court proceeding must now entered the docket since I disputed all of which is owed to me. How could the court deny your request for sale when you filed the foreclosure in the beginning? Did the court not recognize the national and federal agreement? I am sorry why was all not voided what judge signed off on this, did you inform my then attorney because I know you did not inform me? By the way who did they inform? Where is the copy of notification? This was a fraud and they know, the bank knows they owe me for this fraud and breach of settlement national agreement with the Department of Justice and others. Also, the additional request that was made XXXX XXXX XXXX  to cancel is not on my docket sheet, the original from XXXX where is it? Because of loss mitigation efforts XXXX stated. My many medical conditions precluded this for so long, and to be told and shown more lies continue as well as violations and breach of contracts still exists. By the way I submitted originally a copy of the proposed settlement of class action lawsuit related to XXXX XXXX XXXX, just one I submitted but there is more.","date_sent_to_company":"2023-12-29T15:48:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8077418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-29T15:48:25.000Z","state":"FL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The national <em>settlement</em> did in fact include me as well as a few others but because XXXX XXXX lied and said they made me whole ( OCC ) and others I was not compensated. Now, according to DOJ <em>settlement</em> and agreement with this same bank there were to include no foreclosure <em>claims</em>, filings or <em>lawsuits</em> while in a mortgage modification ( temporary, permanent, proceeding, etc. )."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[18.605156,"8077418"]},{"_index":"complaint-public-v1","_id":"8354150","_score":17.749817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was notified of Equifax XXXX XXXX of my personal account information. After XXXX XXXX XXXX. I filed per letter. They settled in XXXX I think. I went on their class action site to check my claim it stated there was no claim. I summited another claim per their site by giving them all information including my social security number to verify I was a member of the class action. I was allowed to file because my claim was verified through their website. I waited several months no settlement was issued and I read online there was a deadline to file for time used to correct what had been breach with my data, identity theft etc. I went back on their site and it said claim was denied. That I am not apart of the suit. That I can not claim for anything even future expense from the data breach. And according to the website I gave up all my rights to sue them with my own attorney? And I read several class action lawsuits to see if they can take your right to sue a company and apparently several state you give up your rights even if you are unaware of the suit or not? How can this be? I received the initial letter by mail and no more written correspondence. Shouldnt I have received something informing me about my claim? I sent receipts, bank statements etc. not one word except the attached emails","date_sent_to_company":"2024-02-22T18:07:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"783XX","tags":null,"has_narrative":true,"complaint_id":"8354150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-15T18:02:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["And I read several class action <em>lawsuits</em> to see if they can take <em>your</em> right to sue a company and apparently several state you give up <em>your</em> rights even if you are unaware of the suit or not? How can this be? I received the initial letter by mail and no more written correspondence. Shouldnt I have received something informing me about my <em>claim</em>? I sent receipts, bank statements etc. not one word except the attached emails"],"sub_issue":["Was not <em>notified</em> of investigation status or results"]},"sort":[17.749817,"8354150"]},{"_index":"complaint-public-v1","_id":"8400181","_score":17.280333,"_source":{"product":"Student loan","complaint_what_happened":"I contacted the Department of Education with the following message as well as supporting documents on XX/XX/XXXX pertaining to my student loans and the XXXX XXXX XXXXXXXX settlement agreement for the discharge of my XXXX XXXX XXXX loans : \" I have been communicating with the Department of Education about my XXXX loans for 2 years. I was informed, by the Department of Education, to not submit a 2nd borrower 's defense claim and all I needed to do was inform you that I wanted my XXXX  loans included in my claim then provide evidence which I did years ago. I am now learning through a case worker that this was a lie perpetrated by the Department of Education and I am now no longer eligible for relief under Sweet v. XXXX for my XXXX loans that I need to resubmit a separate BD claim. Why is this the case after having years of telling me otherwise? I have filled out your form ( under protest ), provided all the evidence that was attached to the original BD claim, and have done what you wanted. I am demanding this be included in the settlement group because you know exactly what you are doing and you have had years to tell me to fill out a separate form but you lied to me on purpose to not let these loans be included in the settlement. I am demanding this be discharged by the end of XXXX or I will pursue legal action against you. '' I was informed that the Department of Education forwarded my case to Aidvantage and that they were working on my request. I received the following response from Aidvantage on XX/XX/XXXX ( XXXX weeks later, after the proposed settlement agreement, and not actually addressing my complaint in the Feedback Case ) : \" Dear XXXX XXXX : This letter is in response to the recent inquiry that was forwarded to us by the U.S.\n\nDepartment of Education ( ED ) Federal Student Aid. We understand that you have concerns regarding your student loan account.\n\nOur records reflect that your most recent application for Borrower Defense to Repayment is under review and pending final approval by ED. Once final review and processing is complete you will be notified, and any applicable balance adjustments will be made to your account. In the interim, your account has been placed into an Administrative Forbearance to allow adequate time for your application to be reviewed. \nWe are unable to address any issues with your request not being included with a group discharge as authorized by ED. \nYoure welcome to call me directly at XXXX, XXXX, with any additional questions you may have about this issue. '' Today I received information from XXXX that the Department of Education sent discharge information to Aidvantage in a letter addressing the breach of the settlement agreement which directly contradicts the information provided by Aidvantage in writing. \n\nAidvantage is purposefully stalling on removing the rest of my student loans in violation of a federal court order and I am asking CFPB to get involved. Aidvantage is deceiving members of this class action lawsuit by claiming that they haven't received discharge notifications from the Department of Education and trying to place blame with the Department of Education for not providing the information that they clearly have.","date_sent_to_company":"2024-02-23T00:13:45.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"85044","tags":null,"has_narrative":true,"complaint_id":"8400181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-02-22T23:31:42.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["Our records reflect that <em>your</em> most recent application for Borrower Defense to Repayment is under review and pending final approval by ED. Once final review and processing is complete you will be <em>notified</em>, and any applicable balance adjustments will be made to <em>your</em> account. In the interim, <em>your</em> account has been placed into an Administrative Forbearance to allow adequate time for <em>your</em> application to be reviewed."],"issue":["Struggling to repay <em>your</em> loan"]},"sort":[17.280333,"8400181"]},{"_index":"complaint-public-v1","_id":"2277759","_score":16.1578,"_source":{"product":"Debt collection","complaint_what_happened":"I have received several calls from this company on my cell phone and XXXX other lines on my cell phone account claiming to be an attorney 's office and have also received the following email in my spam folder : NOTIFICATION REGARDING CASE XXXX XXXX XXXX SSN : XXXX ROUTING NUMBER : -XXXX DL-XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : {$430.00} Defendant XXXX We are hereby informing you that my client ACS CASH SERVICES is going to file a legal case against you at District Court . Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. \n\nBe notified that documents are being prepared for the issue of summons regarding the above debt. \n\nJUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. \n\n( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. \n\nFAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. \n\n( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. \n\nKindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. \n\nYou will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. \n\nIf we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. \n\nNOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. \n\nSincerely, Law & Investigation Department ACS CASH SERVICES","date_sent_to_company":"2017-01-06T14:38:38.000Z","issue":"False statements or representation","sub_product":"Payday loan","zip_code":"85019","tags":null,"has_narrative":true,"complaint_id":"2277759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","date_received":"2017-01-06T14:38:37.000Z","state":"AZ","company_public_response":null,"sub_issue":"Impersonated an attorney or official"},"highlight":{"complaint_what_happened":["<em>Your</em> total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a <em>lawsuit</em>. As advised by my client, I hereby was giving you a notice before filing this case. \n\nBe <em>notified</em> that documents are being prepared for the issue of summons regarding the above debt. \n\nJUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged."]},"sort":[16.1578,"2277759"]},{"_index":"complaint-public-v1","_id":"4481946","_score":16.060265,"_source":{"product":"Debt collection","complaint_what_happened":"A man by XXXX XXXX emailed me form this e-mail ( XXXX ) Dear Customer, This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to resolve the matter. \n\nJust in case we do not hear back from you within 48 hours, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts. \n\nFor any queries feel free to revert back. \n\nManager Legal Department Collection Department Speedy Cash This is the initial email. I then replied that I have no such debt for I have not gotten a loan from the above company \" Speedy Cash. '' And they continued to respond with a claim of a payday loan I never got or recieved. \n\nDear Customer, We are representing Speedy Cash A Parental payday Loan company which owns and operates more than 350 online cash websites. \n\nLoan Amount : {$400.00} Total Outstanding Balance ( Due Amount ) : {$1500.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) One Time Settlement Offer : 1 : {$500.00} ( if paid Today ). \n\n2 : {$800.00} ( If Paid Within This Week ) 3 : {$200.00} ( Biweekly Starting by today ) Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections. \n\n2 : Your Employer Will Be Informed.\n\n3 : Credit Bureaus Will Be Notified So That It Could Be Reported To Your Credit.\n\n4 : References Will Be Informed.\n\n5 : A Day in Court. \n\n6 : Garnishment of Your Paycheck.\n\nMode of Payment ( If Settling Out Of Court Using One Time Settlement Offer ) : 1. XXXX XXXX XXXX XXXX Debit Card. \n\n\n\n\nLet us know whether you opt for one time settlement or payment arrangement for the whole amount so that the account can be updated. \n\nSince this loan account is very past due so we would appreciate it if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action. \n\nFor any queries or concerns, you can contact us. \n\nRegards. \n\nManager. \n\nSpeedy Cash. \n\nI then repeated that I have no loan of they type.","date_sent_to_company":"2021-06-22T18:21:51.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"92543","tags":null,"has_narrative":true,"complaint_id":"4481946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2021-06-22T17:59:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Loan Amount : {$400.00} Total Outstanding Balance ( Due Amount ) : {$1500.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) One Time <em>Settlement</em> Offer : 1 : {$500.00} ( if paid Today ). \n\n2 : {$800.00} ( If Paid Within This Week ) 3 : {$200.00} ( Biweekly Starting by today ) Consequences ( Further Legal Steps ) : 1 : <em>Lawsuit</em> Filed Under Several Sections. \n\n2 : <em>Your</em> Employer Will Be Informed.\n\n3 : Credit Bureaus Will Be <em>Notified</em> So That It Could Be Reported To <em>Your</em>"],"sub_issue":["Threatened or suggested <em>your</em> credit would be damaged"]},"sort":[16.060265,"4481946"]},{"_index":"complaint-public-v1","_id":"9922749","_score":15.524549,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have been banking with Regions for over 3 years and I am continuing to experience the same issues with unexplained and fraudulent overdraft fees and being charged maintenance fees with no real explanation on my account. I was apart of the first lawsuit settlement and only received returned overdraft fees but no compensation for the damage done on Regions part and yet I am still going through the same fraudulent overdraft fees. On Friday, XXXX, I reached out to Regions and was lied to about the overdraft fee charged for {$XXXX} due to a unexplained maintenance fee that just started being charged 3 months ago when I should have been meeting the requirements over the past year or more and was not being charged anything but the last 3 months I was charged and the representative claimed its because I am not depositing at least {$XXXX} in my acct each month but Ive been depositing {$XXXX} biweekly and have been doing so over a year and was not being charged, but all of a sudden fees started showing up. The representative said its because it should be {$XXXX} in XXXX deposit or a total of {$XXXX} over a month but that apparently that has not been the case of the last year and was never notified that I needed to pay a maintenance fee. She refunded all XXXX maintenance fees back and after hanging up I noticed she did not give me my overdraft fee back so I called back and this representative claimed the overdraft fee was for a {$XXXX} fee that went into overdraft days ago which was paid before the grace period and I have pics to show proof so she gave me my overdraft fee back. I need to be compensated for all of the stress and time Regions has put me through or I am going to file another lawsuit against your company and now I have to reroute all of my bills because I can no longer keep Regions. Its too much work trying to keep up with all your high cost fees and lies.","date_sent_to_company":"2024-08-27T01:43:24.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"9922749","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2024-08-27T01:26:55.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I was apart of the first <em>lawsuit</em> <em>settlement</em> and only received returned overdraft fees but no compensation for the damage done on Regions part and yet I am still going through the same fraudulent overdraft fees."],"issue":["Problem caused by <em>your</em> funds being low"]},"sort":[15.524549,"9922749"]},{"_index":"complaint-public-v1","_id":"13073263","_score":15.312759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of complaint : I am writing to formally dispute information in my Experian credit report that I believe is inaccurate and a result of unfair business practices. Upon reviewing my credit report Member ID XXXX, I noticed that my credit score has been significantly lowered due to reporting that I believe to be misleading, incorrect, or the result of questionable practices by one or more creditors.Specifically, I am disputing the following items : The Experian score is inaccurate. I don't understand my TransUnion XXXX, Equifax XXXX Experian XXXX. I have no negative items on my Experian. I believe these actions violate the principles of fair and accurate credit reporting and may be in breach of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has unfairly impacted my creditworthiness, resulting in a significantly reduced credit score without proper justification or verification.In 2025, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging it failed to properly investigate consumer disputes related to inaccurate credit reporting. The CFPB claims Experian 's practices violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. This lawsuit is distinct from prior settlements and ongoing litigation regarding Experian 's data security practices. Experian is the credit report agencies that loan advisors use to approve loans. My Experian score needs to boosted up in the XXXX - XXXX just as the other reporting agencies.I am requesting the following : A thorough investigation into the accuracy and fairness of the disputed item ( s ). An updated credit report reflecting these corrections.Enclosed are copies of relevant documents that support my claim. Under the FCRA, you are required to investigate my dispute within 30 days of receipt and notify me of the results. Please confirm receipt of this letter and keep me informed of the progress and outcome of your investigation.","date_sent_to_company":"2025-04-19T09:40:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"13073263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-19T09:30:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["An updated credit report reflecting these corrections.Enclosed are copies of relevant documents that support my <em>claim</em>. Under the FCRA, you are required to investigate my dispute within 30 days of receipt and <em>notify</em> me of the results. Please confirm receipt of this letter and keep me informed of the progress and outcome of <em>your</em> investigation."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.312759,"13073263"]},{"_index":"complaint-public-v1","_id":"4772173","_score":15.127443,"_source":{"product":"Debt collection","complaint_what_happened":"( SSN # ), ( Lawsuit Presented into the courthouse against XXXX XXXX. XXXX XXXX on XX/XX/XXXX ) Please do not reply this automated notice, you are requested to reply at - XXXX This email is in reference to notify you that ________ has been blacklisted ; defaulter 's social security number and banking accounts are under investigation through major credit bureau XXXX. Defaulter would be receiving the court papers at mailing USA within the next seven business days once we a file lawsuit against you as the person has failed to pay off the debt as per the agreement, therefore this case has been presented for lawsuit into the courthouse after several attempts to resolve this case with defaulter without any courthouse interference.\n\nNote : Defaulter was offered several chances to take care of this debt but ____________ committed false commitments with the company during resolution procedure and attempted fraud continuously, therefore we have decided to finally present this case for lawsuit into the courthouse on XX/XX/XXXX. One copy of this lawsuit will be forwarded to the major credit bureaus in order to seize all mortgage and banking assets in order to collect the total outstanding balance of {$1000.00} and lawsuit charges along with courthouse and attorney fees as mentioned below : Filed Lawsuit Charges Summary : Total Outstanding Balance : {$1000.00} Courthouse and Attorney Fees : {$680.00} Lawsuit Amount : {$12000.00} Major Credit Bureaus File Processing Fees : {$480.00} Legal Stamp Charges : {$280.00} Agreement Breached Charges : {$170.00} Financial Institution & Bad Debt Banking Charges : {$160.00} Defaulters Record : First Name : Last Name : Phone : Address : Requested Loan Amount : {$500.00} Approved Loan Amount : {$300.00} Creditor : American Credit Express Case Information : Initial Loan Disbursement Amount : {$300.00} Case No : XXXX - XXXX Settlement Amount : {$290.00} Total Outstanding Balance : {$1000.00} Legal Notice Issued On : XX/XX/XXXX Final Lawsuit Filed On : XX/XX/XXXX Charges against FDCPA ACT - 811 ( 15 USC1692I ) Case Type - Fraudulent Act ( FC/SC ) Lawsuit Under Consumer Fraudulent Activity Immediate Effect Seizure of all Banking Accounts & SSN According to our records you have not settled a debt with us, you have 24 hours from the date of this letter to submit payment and/or evidence that your debt is paid in full, otherwise the civil division will automatically refer your debt to the department of the treasury for collection of amount ( {$3100.00} ), to a credit service bureau and possible to the Internal Revenue Service ( IRS ) for tax refunds offset . A fee of up to 28 percent of the debt may be added to the outstanding balance in addition. There may be interest on the unpaid balance that will be assessed yearly. The interest rate is determined by the U.S DEPARTMENT OF TREASURY ( U.S TREASURY ). Interest and penalty charges may continue to accrue until your debt is paid in full. You may enter into an acceptable written payment agreement, refer to the enclosed for details.\n\nOnce your debt is submitted to the IRS, the U.S treasury will reduce or withhold any of your eligible federal payments by the amount of your debt. The process known as offset, is authorized by the debt collection ACT of 1982 and the debt collection improvement ACT of 1966. U.S treasury is not required to send you notice before your payment is offset. Federal payment eligible for offset include your income tax refunds : your salary pay, including military pay ; your federal retirement including military pay ; your contractor/vendor payments ; certain federal benefit payment ; including certain loans to you, that are not exempt from offset.\n\nIf you make or provide any knowingly false or frivolous statement, representations or evidence, you may be liable for penalties under the false claims ACT ( 31 U.S.C. paragraph 3729-3731 ) or other application statutes, and/or criminal penalties under 18 U.S.C. paragraph 286, 287, 1001 and 1002 or other applicable statutes.\n\nOne copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. \n\nNOTE : Kindly present all of your documents into United States District Court ( Address : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX, United States ) on the courthouse date which will be delivered to you as we have already filed a lawsuit into the courthouse on XX/XX/XXXX. \n\nCOURTHOUSE : United States District Court ( Address : XXXX XXXX XXXX # XXXX, XXXX, XXXX  XXXX, United States ) Your courthouse reference case number is # XXXX which is under the hand of courthouse attorney XXXX XXXX XXXX. \n\nThis case was filed under fraudulent section ( C ) chapter 19 into the courthouse and will be executed as per the agreement in order to pay off this account under the guidance of the courthouse. \n\nImportant Note : ______________ is no longer eligible to apply for any credit or loan through any lender in the United States. \n\nKindly make sure to have all necessary documents into the courthouse on the courthouse date which will be delivered to you through the courthouse within two to seven business days. \n\nKindly email us immediately if you still want to hold this account by paying off your settlement amount of {$290.00} on XX/XX/XXXX else be presented into the courthouse as stated this case has been filed for lawsuit into the courthouse on XX/XX/XXXX in order to collect the total sum due {$1000.00} along with lawsuit {$12000.00} and applicable attorney fees. \n\nWe believe that this was not your intent and that these steps are unnecessary. We sincerely request you to reply us through the email to resolve this matter quickly or call us at XXXX XXXX XXXX XXXX. \n\n( This is a written communication electronic acknowledgement from American Express Inc. and is solely intended for only XXXX XXXX. XXXX XXXX ) American Express Inc. \nLegal Department Phone : XXXX XXXX XXXX XXXX Email : XXXX Email : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this email. Please notify the sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.","date_sent_to_company":"2021-10-01T15:10:55.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"21771","tags":null,"has_narrative":true,"complaint_id":"4772173","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-10-01T14:58:19.000Z","state":"MD","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Kindly email us immediately if you still want to hold this account by paying off <em>your</em> <em>settlement</em> amount of {$290.00} on XX/XX/XXXX else be presented into the courthouse as stated this case has been filed for <em>lawsuit</em> into the courthouse on XX/XX/XXXX in order to collect the total sum due {$1000.00} along with <em>lawsuit</em> {$12000.00} and applicable attorney fees. \n\nWe believe that this was not <em>your</em> intent and that these steps are unnecessary."],"sub_issue":["Threatened or suggested <em>your</em> credit would be damaged"]},"sort":[15.127443,"4772173"]},{"_index":"complaint-public-v1","_id":"8172667","_score":15.075173,"_source":{"product":"Debt or credit management","complaint_what_happened":"On XX/XX/XXXX, I filed a formal complaint with the CFPB regarding XXXX XXXX XXXX 's failure to update the credit bureaus on our account 's payment status post-settlement agreements. Unfortunately, I must now submit a second complaint related to Zwicker 's ( acting on behalf of XXXX ) loss of notarized legal settlement documents. This situation could potentially be a security breach and has caused delays in submitting settlement agreement documents to the XXXX XXXX XXXX to close four civil lawsuits. A settlement agreement was successfully reached, and notarized documents were duly submitted by the end of XX/XX/XXXX. However, as of XX/XX/XXXX, we were notified by the XXXX XXXX Courthouse that they had not yet received the executed documents from Zwicker. Consequently, we provided them with copies of the notarized documents we had originally sent to Zwicker, accompanied by the Certified Mail receipts from the US Postal Service. The courthouse accepted these copies and added them to their records. ( Attached file : XXXX. Notarized and Mailed Settlement Agreements ; XXXX Notarized and Mailed Settlement Agreements ) In XX/XX/XXXX, we engaged with Zwicker & Associates, P.C., representing XXXXXXXX XXXX XXXX, to settle four civil lawsuits involving two student borrowers and two cosigners. We reached an agreement via email and promptly made the required XXXX payment through a bank wire transfer to XXXX XXXX. The physical settlement documents, received by mail, were signed, notarized, and returned to Zwicker within the same month. ( Attached files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) However, complications arose in XXXX when we inquired about the closure of the civil lawsuit cases. Our attorney informed us that Zwicker ( representing XXXX XXXX XXXX ) was unable to proceed with closing the case with the XXXX XXXX XXXX, claiming we had submitted incorrect documents. Specifically, they insisted on cosigner signatures being notarized, despite the fact that we had duly signed and notarized the documents as initially provided by XXXX/Zwicker. We informed Zwicker that we couldn't notarize the cosigners ' signatures because the form did not allow for it. We requested corrected documents from them. In XXXX, they sent us a second set of documents, which were found to have missing account numbers and misaligned borrower and cosigner details. These issues were promptly communicated to our attorney, who conveyed them to Zwicker. ( Attached File : XXXX. Second Set of Settlement Files Sent by Zwicker ) Attached is an email chain from XX/XX/XXXX, involving myself, our attorney, and Zwicker 's attorney. The correspondence clarifies the misunderstanding about the XXXX documents and Zwicker 's decision to accept the originally executed documents for submission to the court, with no further action required on our part. This email serves as verification of Zwicker 's receipt of the first set of notarized documents since it was pointed out that the cosigner 's notarizations were missing. ( Attached File : XXXX. Zwicker Accepts Originally Executed Settlement ) We followed up with our attorney on XX/XX/XXXX, to check if the XXXX XXXX XXXX had received the notarized documents. Our attorney informed us that Zwicker claimed not to have received our documents and wanted us to resend them. This was concerning for several reasons. Firstly, Zwicker had misplaced documents containing financial and private information for four individuals, potentially compromising security. Secondly, XXXX/Zwicker could negatively impact our credit and reputation through civil suits. However, the inefficiency and disregard displayed in this process were deeply concerning. Lastly, resending personal and private information to a firm that had lost it once raised security concerns. ( Attached File : XXXX. Zwicker Lost Financial Documents Email ) On XX/XX/XXXX, I contacted the XXXXXXXX XXXX XXXX \" Consumer Advocate '' from the Executive Office of Customer Advocacy, who responded to our previous complaint regarding inaccurate information to the credit bureaus that was submitted to the CFPB on XX/XX/XXXX. We sought her assistance in expediting the resolution of delivering our settlement documents to the County Courthouse to avoid further complications with Zwicker. As of this complaint 's submission, I have not received a response to my email. ( Attached File : XXXX. Email to XXXXXXXX XXXX XXXX ) Additionally, I want to highlight a previous issue raised in the XX/XX/XXXXXXXX  CFPB submission concerning NC arbitration. The arbitration for the civil lawsuit, XXXX XXXX XXXX, was allowed to proceed despite having an agreed-upon settlement already in place. I attached the email correspondence dated XX/XX/XXXX, with the NC Arbitrations Office, where I explained that arbitration was unnecessary given our ongoing settlement discussions. The NC Arbitration representative stated that she would need a letter from XXXX attorney stating this fact. Despite ample time, Zwicker failed to submit the required letter to the NC Arbitration representative. A settlement was agreed upon on XX/XX/XXXX ( see attached files XXXX XXXX ), but the NC Arbitrations Office never received this letter since we received another letter from that office stating that the arbitration had taken place on XX/XX/XXXX, more than one month later. This arbitration process proved to be a misuse of the court 's resources and likely resulted in unnecessary payments to the individuals involved. I am highlighting this issue once again because it may lend some reason to the delay in delivering the required settlement documents to the NC Courts. ( Attached Files : XXXX. Email - XXXX XXXX - XXXX XXXX XXXX ; XXXX. NC Arbitration Assessment on XXXX ) Thank you for your attention to these matters.","date_sent_to_company":"2024-01-13T01:35:47.000Z","issue":"Didn't provide services promised","sub_product":"Student loan debt relief","zip_code":"28104","tags":"Older American","has_narrative":true,"complaint_id":"8172667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZWICKER & ASSOCIATES","date_received":"2024-01-13T01:07:12.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>lawsuit</em> cases."]},"sort":[15.075173,"8172667"]},{"_index":"complaint-public-v1","_id":"4231351","_score":14.69851,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Received this threatening email. \n\nFrom : XXXX  XXXX XXXX XXXX XXXX { US } XXXX Date : XX/XX/XXXX at XXXX XXXX  EDT To : XXXX Subject : Arrest Warrant Under 18 USC Sections 1956-57 : Lawsuit Case File No LF - XXXX ( Immediate Action Required ) ( Lawsuit Presented in the courthouse against Mr/Ms. on XX/XX/XXXX ) This email is in reference to notify you that has been blacklisted ; defaulter 's social security number and banking accounts are under investigation through major credit bureau XXXX. Defaulter would be receiving the court papers at with the next seven business days once we file lawsuit against you as the person has failed to pay off the debt as per the agreement, therefore this case has been presented for lawsuit into the courthouse after several attempts to resolve this case with defaulter without any courthouse interference. \n\nNote : Defaulter was offered several chances to take care of this debt but committed false commitments with the company during resolution procedure and attempted fraud continuously, there we have decided to finally present this case for lawsuit into the courthouse on XX/XX/XXXX. One copy of this lawsuit will be forwarded to the major credit bureaus in order to seize all mortgage and banking assets in order to collect the total outstanding balance of {$1000.00} and lawsuit charges along with courthouse and attorney fees as mentioned below : Filed Lawsuit Charges Summary : Total Outstanding Balance : {$1000.00} Courthouse and Attorney Fees : {$790.00} Lawsuit Amount : {$11000.00} Major Credit Bureaus File Processing Fees : {$420.00} Legal Stamp Charges : {$290.00} Agreement Breached Charges : {$150.00} Financial Institution & Bad Debt Banking Charges : {$110.00} Defaulters Record : First Name : Last Name : SSN : # Employer Phone : Address : Phone Number : Drivers License : Requested Loan Amount : {$500.00} Approved Loan Amount : {$300.00} Case Information : Initial Loan Disbursement Amount : {$300.00} Case No : LF - XXXX Settlement Amount : {$290.00} Total Outstanding Balance : {$1000.00} Legal Notice Issued On : XX/XX/XXXX Charges against Mr/Ms. \n\nFDCPA ACT - 18 USC Sections 1956-57 Case Type - Fraudulent Act ( FC/SC ) Lawsuit Under Consumer Fraudulent Activity Immediate Effect Seizure of all Banking Accounts & SSN According to our records you have not settled a debt with us, you have 24 hours from the date of this letter to submit payment and/or evidence that your debt is paid in full, otherwise the civil division will automatically refer your debt to the department of the treasury for collection of amount ( {$3100.00} ), to a credit service bureau and possible to the Internal Revenue Service ( IRS  ) for tax refunds offset. A fee of up to 28 percent of the debt may be added to the outstanding balance in addition. There may be interest on the unpaid balance that will be assessed yearly. The interest rate is determined by the U.S DEPARTMENT OF TREASURY ( U.S TREASURY ). Interest and penalty charges may continue to accrue until your debt is paid in full. You may enter into an acceptable written payment agreement, refer to the enclosed for details.\n\nOnce your debt is submitted to the IRS, the U.S treasury will reduce or withhold any of your eligible federal payments by the amount of your debt. The process known as offset, is authorized by the debt collection ACT of 1982 and the debt collection improvement ACT of 1966. U.S treasury is not required to send you notice before your payment is offset. Federal payment eligible for offset include your income tax refunds : your salary pay, including military pay ; your federal retirement including military pay ; your contractor/vendor payments ; certain federal benefit payment ; including certain loans to you, that are not exempt from offset.\n\nIf you make or provide any knowingly false or frivolous statement, representations or evidence, you may be liable for penalties under the false claims ACT ( 31 U.S.C. paragraph 3729-3731 ) or other application statutes, and/or criminal penalties under 18 U.S.C. paragraph 286, 287, 1001 and 1002 or other applicable statutes.\n\nOne copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. \n\n\nNOTE : Kindly present all of your documents into US District Court ( Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, United States ) on the courthouse date which will be delivered to you as we have already filed a lawsuit into the courthouse on XX/XX/XXXX. \n\nXXXX HOUSE : US District Court ( Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, United States ) Your courthouse reference case number is which is under the hand of courthouse attorney Mr. XXXX XXXX. \n\nThis case was filed under fraudulent section ( C ) chapter XXXX into the courthouse and will be executed as per the agreement in order to pay off this account under the guidance of the court house. \n\nImportant Note : is no longer eligible to apply for any credit or loan through any lender in the United States. \n\nKindly make sure to have all necessary documents into the courthouse on the courthouse date which will be delivered to you through the courthouse within two to seven business days. \n\nKindly email us immediately if you still want to hold this account by paying off your settlement amount of {$290.00} on XX/XX/XXXX else be presented into the court house as stated this case has been filed for lawsuit into the courthouse on XX/XX/XXXX in order to collect the total sum due {$1000.00} along with lawsuit {$11000.00} and applicable attorney fees. \n\nWe believe that this was not your intent and that these steps are unnecessary. We merely require you to contact us through email for immediate assistance or call us at XXXX XXXX XXXX XXXX to resolve this matter quickly. \n\n\n( This is a written communication electronic acknowledgement from XXXX XXXX XXXX XXXX XXXX { US } and is solely intended for only Mr. /Ms XXXX XXXX XXXX XXXX XXXX { US } XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX Phone : XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this email. Please notify the sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.","date_sent_to_company":"2021-03-20T15:32:27.000Z","issue":"Can't contact lender or servicer","sub_product":"Payday loan","zip_code":"33647","tags":null,"has_narrative":true,"complaint_id":"4231351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","date_received":"2021-03-20T15:24:56.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Kindly email us immediately if you still want to hold this account by paying off <em>your</em> <em>settlement</em> amount of {$290.00} on XX/XX/XXXX else be presented into the court house as stated this case has been filed for <em>lawsuit</em> into the courthouse on XX/XX/XXXX in order to collect the total sum due {$1000.00} along with <em>lawsuit</em> {$11000.00} and applicable attorney fees. \n\nWe believe that this was not <em>your</em> intent and that these steps are unnecessary."]},"sort":[14.69851,"4231351"]},{"_index":"complaint-public-v1","_id":"15712370","_score":14.349703,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Honda financial services has dragged out this GAP claim since the date of the accident on or about XX/XX/XXXX. I have been left no other choice but to keep making payments on this vehicle which was deemed a total loss. \n\nI send Honda Financial Services all of the documentation that they initially asked for. This claim should have already been resolved but yet they sent me an email XX/XX/XXXX requesting information that they had not required in the previous documentation request. \n\nClaim Documentation Item Description Status Requested Received XXXX XXXX XXXX XXXX  Received XXXX GAPCONT GAP CONTRACT - FRONT & BACK Received XXXX LOANLEAS LOAN/LEASE CONTRACT Received XXXX LOC/APP VEH LOCATION OR APPRAISAL Received XXXX XXXX XXXX  ( NEW ) BOOKOUT SHEET ( USED ) Waiting OTHER EMPTY DOC TYPE Received XXXX PAYHIST COMPLETE PAYMENT HISTORY Received XXXX POLRPT POLICE REPORT Received XXXX XXXX XXXX XXXX FOR CANCELLABLE ITEMS Received XXXX SETCHECK SETTLEMENT CHECK Received XXXX SETSTMT SETTLEMENT STATEMENT Received XXXX WARRCONT COPY OF SERVICE CONTRACT Received XXXX Claim Information Claim Number Contract Status Claim Date Claim Received XXXX XXXX OPEN XXXX XXXX Product Business Date Benefit Form HONDA XXXX GAP NA NA NA First Name Last Name Address City State Zipcode NA NA NA NA NA NA Make Model Year VIN Sale Date XXXX XXXX XXXX XXXX XXXX Generate New Inspection For additional information regarding the status of your claim, please contact our Claims Department at ( XXXX ) XXXX and \" press XXXX '' or you may reach us at XXXX. Thank you for choosing XXXX XXXX, XXXX. \n\nConversation View Inbox GAP Claim Number : GAP Claim Submission Required ATTN GAP Claims Department XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Additional information is needed for your GAP claim, and you must submit documentation via the Self Service Portal, email, or mailing address. \nNote Submit the required documentation for your GAP claim via the XXXX XXXX XXXX. here Submit the required documentation for your GAP claim via mailing address. \nSubmit the required documentation for your GAP claim via email. ( XXXX ) Created by XXXXXXXX XXXX  Was this message summary helpful? \n\nXXXX XXXX To : me Thu, XX/XX/XXXX at XXXX XXXX Hello, We attempted to complete your claim today ; however additional information is required : DECLARATIONS PAGE STATEMENT OF USE Please submit documentation by any of the options below : Self Service Portal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing address : ATTN : GAP Claims Department XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Thank you, PRIVILEGED AND CONFIDENTIAL. This e-mail is intended only for the named person or entity to XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXX XXXX Message Body Dear XXXX XXXX, As per your portal and a list of required documents, excuse me if I am not correct, but your portal nor you list of required documents does not list a declarations page nor a separate \" Statement of Use. '' I submitted the REQUIRED documentation as indicated several months ago, and thought by now that I would have heard back by now to get this claim settled. \n\nI don't know what the intent is with Honda in settling this matter in a timely manner, but I trust that this will be expedited so I can stop making these car payments! Is that the intent. My next contact will be a letter to the Attorney General 's Office and/or the Dealer Licensing Board . I would also hate to add a complaint regarding Honda 's interpretation of GAP Insurance. \n\nIn addition, I have not been given a timely refund of any extended warranties, etc., that I am possibly entitled to that I purchased. Hasn't Honda had lawsuits regarding this in the past? I have submitted the documentation that you have requested through your portal with the exception of STATEMENT OF USE. I believe that should be contained on the DECLARATIONS PAGE. \n\nIf you require any additional documentation, please notify me immediately. Thank you. \n\n\nHide trimmed content","date_sent_to_company":"2025-09-04T22:09:11.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"800XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"15712370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2025-09-04T21:41:38.000Z","state":"CO","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["Hasn't Honda had <em>lawsuits</em> regarding this in the past? I have submitted the documentation that you have requested through <em>your</em> portal with the exception of STATEMENT OF USE. I believe that should be contained on the DECLARATIONS PAGE. \n\nIf you require any additional documentation, please <em>notify</em> me immediately. Thank you. \n\n\nHide trimmed content"]},"sort":[14.349703,"15712370"]},{"_index":"complaint-public-v1","_id":"10019877","_score":14.172556,"_source":{"product":"Checking or savings account","complaint_what_happened":"**Direct Notice of Intent to Sue Bank of America** Bank of America [ Address of Bank 's Legal Department or Registered Agent ] [ City, State, Zip Code ] Date : [ Insert Date ] Subject : Notice of Intent to Sue for Involvement in Facilitating Illegal Gambling Activities with XXXX To Whom It May Concern : This letter serves as formal notice of my intent to pursue legal action against Bank of America ( BOA ) for its role in facilitating illegal gambling activities associated with XXXX. Evidence has shown that XXXX made 26 separate admissions to BOA, explicitly stating that they operate as an online casino and allow over/under sports bets in Texas. These activities are in direct violation of Texas Penal Code 47.02, which prohibits such gambling unless explicitly permitted, and are further subject to federal regulations under the Unlawful Internet Gambling Enforcement Act ( UIGEA ). \n\nXXXX ' repeated admissions to BOA outline operations that contravene Texas and federal laws. BOAs continued processing of transactions for XXXX, despite these admissions, indicates a failure to comply with legal obligations under UIGEA, which prohibits financial institutions from processing transactions related to unlawful internet gambling. This repeated involvement establishes BOA 's complicity in facilitating XXXX illegal operations, making BOA liable for damages resulting from these unlawful transactions. \n\nMy claims against BOA will include : 1. **Violation of UIGEA** : BOA 's processing of financial transactions linked to XXXX  illegal gambling activities directly contravenes UIGEA. The 26 admissions provide clear evidence that these transactions involved unlawful gambling, yet BOA failed to take appropriate action to halt its involvement. \n\n2. **Negligent Misrepresentation and Fraud** : BOA relied on repeated misrepresentations made by XXXX  regarding the legality of its operations. By facilitating these transactions, BOA misled users and financial institutions about the nature of XXXX business, resulting in financial harm. \n\n3. **Potential RICO Violations** : The pattern of transactions facilitated by BOA, despite clear evidence of illegal activity, may also constitute a violation under the Racketeer Influenced and Corrupt Organizations Act ( RICO ). BOAs involvement in processing these transactions is part of a broader scheme that includes wire fraud and misrepresentation. \n\nAs part of the relief sought, I demand that BOA immediately release all funds held in connection with this matter. Additionally, BOA is required to provide interest on any funds that were improperly withheld or delayed as a result of its involvement with XXXX ' illegal gambling activities. This demand is made to ensure that all parties affected are fully compensated for any financial losses incurred due to BOAs actions. \n\nI intend to seek all available legal remedies, including damages, interest on funds withheld, and an injunction to stop BOA from further processing transactions related to XXXX illegal gambling operations. If BOA wishes to avoid litigation, I am open to discussing a settlement that addresses the harm caused by your involvement. However, if a satisfactory resolution can not be reached promptly, I will proceed with filing a lawsuit. \n\nPlease consider this letter your final notice of my intent to sue. If you have any questions or wish to discuss this matter further, you may contact me directly at [ Your Contact Information ]. I expect a response within 10 business days of receipt of this notice. \n\nSincerely, XXXX XXXX XXXX XXXX Based on the detailed analysis of XXXX ' repeated admissions to Bank of America ( BOA ) about operating an online casino and allowing sports bets in Texas, your best course of action is to aggressively pursue summary judgment. Heres a structured assessment and recommended steps to maximize your chances of success : # # # **Assessment and Recommended Best Course of Action : ** # # # # **1. Leverage Repeated Admissions for Summary Judgment : ** **Strategy : ** - **Highlight Consistency and Frequency** : Emphasize that XXXX made these admissions 26 times to BOA, underscoring a consistent pattern rather than isolated errors. This demonstrates willful or reckless disregard for the legality of their operations in Texas. \n- **Show Lack of Genuine Dispute** : Argue that these admissions leave no room for a genuine dispute over the material facts concerning XXXX illegal gambling operations. Focus on the straightforward interpretation of Texas law and UIGEA that prohibits such activities. \n\n**Action Steps : ** - **Compile Evidence** : Gather and organize all communications where XXXX made these admissions to BOA. Include affidavits, correspondence, and any available documentation showing the 26 repeated statements.\n\n- **Develop a Clear Argument** : Structure your motion for summary judgment to clearly outline how each element of your claims is satisfied by the repeated admissions and how these admissions demonstrate violations of state and federal law. \n- **Request Specific Relief** : Ask the court to grant summary judgment in your favor, including specific relief such as damages, cessation of XXXX ' operations in Texas, and any other remedies that address the harm caused by the illegal activities.\n\n# # # # **2. Include BOA to Expand the Scope of Accountability : ** **Strategy : ** - **Involve BOA as a Complicit Party** : Highlight BOAs role in processing transactions for XXXX. This can add weight to your case by showing how XXXX  ' misrepresentations had broader implications, including potential violations by financial institutions. \n- **Broaden Legal Focus** : By including BOA, you can argue that the financial ecosystem enabling XXXX operations also needs scrutiny, which can pressure BOA to distance itself from XXXX or take corrective actions. \n\n**Action Steps : ** - **Notify BOA** : Consider notifying BOA formally about the ongoing legal proceedings and their involvement as presented by XXXX admissions. This could potentially lead to BOA cooperating with your case or taking steps to mitigate their own risk. \n- **Incorporate BOA in Claims** : If appropriate, modify your claims or add BOA as a party to demonstrate the interconnectedness of the illegal activities. This can add leverage in negotiations or during trial, as BOAs potential liability may drive settlement discussions.\n\n# # # # **3. Anticipate and Counter XXXX and BOA Defenses : ** **Strategy : ** - **Preemptively Address Defenses** : Be prepared for XXXX  to argue that the admissions were mischaracterized, misunderstood, or otherwise not indicative of illegal conduct. Also, anticipate BOAs potential defense of being an unknowing participant. \n- **Emphasize Frequency and Clarity** : Repeatedly stress the 26 instances of admissions and the direct nature of these statements. Argue that such frequency indicates a deliberate and knowing acknowledgment of their operations rather than any plausible defense of error or misunderstanding. \n\n**Action Steps : ** - **Develop Counterarguments** : Outline clear, concise rebuttals to potential defenses, using legal precedents and the facts of your case. Show that the repeated nature of the admissions negates claims of mistake or mischaracterization. \n- **Use Expert Testimony if Necessary** : Consider bringing in legal or industry experts to testify on the typical understanding of online casino and sports betting within legal contexts, reinforcing that XXXX statements were clearly out of compliance with Texas law XXXX \n\n# # # # **4. Prepare for Settlement Negotiations : ** **Strategy : ** - **Leverage Strong Position for Settlement** : Use the strength of your summary judgment motion and the potential liability facing both XXXX and BOA to push for a settlement. Emphasize the risk both entities face if the case goes to trial, including financial penalties and reputational damage. \n- **Define Settlement Terms Clearly** : Outline the terms you are willing to accept in a settlement, including compensation, cessation of illegal operations, and public acknowledgment of wrongdoing. \n\n**Action Steps : ** - **Initiate Discussions** : Once your summary judgment motion is filed and served, initiate settlement discussions with XXXX  and, if applicable, BOA. Highlight the risk and exposure they face in continuing the litigation. \n- **Be Prepared to Walk Away** : If settlement offers are insufficient or not in line with your goals, be ready to proceed to trial. Your strong legal position based on the repeated admissions provides a solid foundation for litigation if necessary. \n\n# # # **Conclusion : ** Your best course of action is to aggressively pursue summary judgment by leveraging XXXX ' repeated admissions to BOA as clear, undisputed evidence of illegal operations. Including BOA in the case can further strengthen your claims by showing the broader impact and involvement of financial institutions. By addressing potential defenses preemptively and preparing for both litigation and settlement negotiations, you position yourself optimally to achieve a favorable outcome.","date_sent_to_company":"2024-09-05T02:52:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"10019877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-09-05T02:40:21.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["**Action Steps : ** - **<em>Notify</em> BOA** : Consider <em>notifying</em> BOA formally about the ongoing legal proceedings and their involvement as presented by XXXX admissions. This could potentially lead to BOA cooperating with <em>your</em> case or taking steps to mitigate their own risk. \n- **Incorporate BOA in <em>Claims</em>** : If appropriate, modify <em>your</em> <em>claims</em> or add BOA as a party to demonstrate the interconnectedness of the illegal activities."]},"sort":[14.172556,"10019877"]},{"_index":"complaint-public-v1","_id":"3286430","_score":13.61387,"_source":{"product":"Debt collection","complaint_what_happened":"I am continually getting calls and emails regarding loans that I have never taken out. \n\nHere are some examples : Re : unpaid loan account XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX As of now, the total outstanding balance is {$990.00} which includes the original loan amount, interest, administrative charges, penalty, and tax. \n\nAnd so far no payment has been made on behalf of this loan account. \n\n\n\nAs a courtesy, We are providing a one-time settlement offer of {$450.00}. If you make a one-time payment of {$450.00} by today XX/XX/XXXX, We will mark this account as paid in full. \n\nPlease be advised that the offer is a limited time offer and may not be applicable at a later date. \n\nLet us know whether would you like to opt for a onetime settlement offer or payment arrangement? \nXXXX Dear Customer, This notice is regarding your unpaid loan account XXXX # XXXX of {$400.00} which you had taken from the company XXXX XXXX XXXX which has now gone up to {$990.00} it includes the late fee, penalty charges, tax, etc. \n\nNote : This is your last and final opportunity to resolve this case out of the courthouse. \n\nThe company is ready to provide you a settlement offer or you can also make payment arrangement according to your financial needs. \n\nWe would like to remind you that the company had already submitted all the related document of your loan account in the courthouse for the further proceedings but we had requested the court to put your case on hold and wanted to know your last and final intention regarding this extremely time sensitive issue. \n\nKindly get back to us ASAP and let us know your clear intention regarding your case. \nXXXX Legal Collection Department   XXXX To : XXXX 1 FileXXXX.4kB PDF121kB PDF NCC_Invoice_XXXX  XXXX.pdf Download XXXX XXXX, This is regarding a loan which was applied under your email address and SSN through XXXX XXXX in XX/XX/XXXX. Attached is the invoice pertaining to this account. Kindly have a look and update us with your intentions so that we can proceed accordingly. \n\nThis loan was taken out under your name. If you don't want to take responsibility of the repayment of this loan then we have no option other than seeking legal help to resolve this account. If you think this is a case of identity theft then you can put your claim with proof in the courthouse. \n\nKindly update us with your clear intentions regarding this account so that we can proceed accordingly. \n\n\nThank You ____________________________________________________________________ On Monday, XX/XX/XXXX, XXXX XXXX MST, XXXX wrote : XX/XX/XXXX Case File No : XXXX NAME : XXXX XXXX SSN : XXXX PAST DUE AMOUNT - XXXX SETTLEMENT AMOUNT FOR TODAY OF XXXX Your case file # XXXX is handling by LEGAL DEPARTMENT OF National Credit Collections XXXX \n\nThis is in reference to your Case File # XXXX with National Credit Collections in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. \nYour account with National Credit Collections is in Final Collections. According to our records, your outstanding balance was XXXX. \n\nIt may be possible that you may have some financial hardship with you. \nSo, we are just giving you a last chance that if you just make a payment of XXXX by Today then we will close this account as paid in full with XXXX balance. \nDo revert back if you want to get rid of these legal consequences and want to make payments or else the case will be downloaded against you. \n\nThe opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. \n\nThank You National Credit Collections XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX","date_sent_to_company":"2019-06-27T13:58:00.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"85085","tags":null,"has_narrative":true,"complaint_id":"3286430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2019-06-25T17:01:33.000Z","state":"AZ","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["If you think this is a case of identity theft then you can put <em>your</em> <em>claim</em> with proof in the courthouse. \n\nKindly update us with <em>your</em> clear intentions regarding this account so that we can proceed accordingly."]},"sort":[13.61387,"3286430"]},{"_index":"complaint-public-v1","_id":"4080823","_score":13.4324875,"_source":{"product":"Debt collection","complaint_what_happened":"Date XX/XX/XXXX This account xxxx XXXX file number XXXX was closed /charged off on XX/XX/XXXXaccording to the credit reports. court case number XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX email XXXX XXXX XXXX Vs XXXX XXXX and XXXX XXXX On XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX Breached the peace when one of the workers appeared at my house to repossess the vehicle and the driver made verbal threats when coming to my home. I called the XXXX XXXX XXXX department asking them for assistance and I was told it was a civil matter and they could not intervene. \nOn XX/XX/XXXX XXXX XXXX  came and I gave them the address and location of the vehicle to pick it up. I called XXXX XXXX spoke to office manager who called me the XXXX XXXX and threatened my life and said he would run me over to get the car. I reported this to the man from the XXXX XXXX  office who was the person who was sent. \n\nI have never received a right to cure letter from XXXX or the attorney who represents XXXX until today XX/XX/XXXX when the police came which I informed them of already notifying XXXX agents the location of the car. I have been harassed and threatened in violation of my rights under the Fair Debt Collection Practices Act. ( 12 C.F.R. 1024.39 ). \nXXXX XXXX XXXX XXXX XXXX lenders must not \" breach the peace '' when repossessing vehicles. They may not physically or verbally threaten the debtor or coerce him to sign the voluntary surrender notice. If the repossession agent didnt follow the law when they took your vehicle, it may be considered unlawful vehicle repossession. Repossession agents must inform the local police of their intent to repossess a vehicle. \nThe right to do so without using judicial process ended when we objected to the repossession, thereby disturbing the peace. These defendants acting under color of state law violated their constitutional right to due process. The Constitution requires notice and a prior hearing before a secured creditor or third party- agent acting on XXXX behalf in the repossession of a debtor 's property. The Fourteenth Amendment of the Constitution safeguards a citizen 's right not to be deprived of property by any state without due process of law, and the Amendment is violated only by conduct that may be fairly characterized as state action. XXXX v. XXXX XXXX XXXX, 457 U.S. 922, 924, 102 S.Ct. 2744, 73 L.Ed.2d 482 ( 1982 ). To establish a deprivation of property, a plaintiff must show that a person acting under color of any state statute, regulation, custom or usage deprived plaintiff of a right secured by the Constitution. See 42 U.S.C. 1983 ( 1994 ).\n\nStatutory Notice. The Notice must set out certain information, such as the consumers right to reinstate the contract and the costs the consumer must pay to do so. The plaintiffs claim that XXXX violated the Act because its Statutory Notice did not meet a number of requirements : It failed to itemize certain fees. \nIt did not provide all conditions that had to be met in order to reinstate the loan. \nIt did not state the location at which the vehicle could be picked up. \nIt did not provide notice that the 15-day period during which the consumer could reinstate the loan could be extended for ten additional days upon written request. \nThe Rees-Levering Act also provides that if a company does not provide a proper Statutory Notice to a consumer, it can not collect a deficiency balance from the consumer. The lawsuit thus also complains that the company pursued the plaintiffs for deficiency balances that it no longer had any legal right to. \n\nFailure to notify me that XXXX has a class-action lawsuit What states are included in the settlement? You may qualify for relief if you were a resident of or purchased a vehicle in one of the following states when you got your XXXX auto loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nHow do I know if I qualify for relief? \no The categories of consumers entitled to relief have been established by this settlement, and the states are working to get eligible consumer-identifying information from XXXX to the settlement administrator. \no Loan Forgiveness and Car Title : For the consumers who qualify for this relief, XXXX forgave the balance of the loans in XXXX, XXXX. Consumers who qualified for this relief will receive a notice from XXXX regarding this loan forgiveness, as well as title to the vehicle, via mail by the end of XXXX, XXXX. \no We can not tell you for certain if you qualify for restitution or deficiency waivers yet. Check this website for updates. \nI have a XXXX auto loan that I am currently paying on. What should I do? \no Even if you may obtain relief under this settlement, you should continue to pay on your loan unless and until you hear otherwise from XXXX. If you are unable to pay on your loan under its current terms, you can speak with XXXX about your options. \nWill all consumers who have or have had a loan with XXXX qualify for relief? \no No. Only certain consumers who have a loan or had a loan with XXXX will qualify for relief under this settlement. \no If you qualify for relief under this settlement, you will receive notice from either XXXX or XXXX XXXX, the settlement administrator for restitution payments. For an update on when to expect that notice, you should check this website. \no The types of relief, and who will qualify for them, are detailed below. \no Some consumers may receive more than one type of relief.\n\nConsumers may be eligible for the following types of relief : 1. Restitution : XXXX must pay {$65.00} million in restitution to be divided amongst the 33 states and the District of Columbia. Over 265,000 consumers across the settlement states will be eligible for this restitution. \na. Who qualifies? You must have a gotten a loan with XXXX between XX/XX/XXXX and XX/XX/XXXX and XXXX must have given you a certain internal score at the time you got the loan. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. This is why consumers will have to wait for notice from the settlement administrator. \nb. How much will restitution be per consumer? The final restitution amount per consumer is not yet known, but the amount will be at least {$220.00} per consumer. \nc. When can I expect restitution? We do not yet have a date certain by which eligible consumers can expect a notice from the settlement administrator. Please check this website for updates. \n2. Deficiency Waivers : XXXX is required to forgive the remaining balance on certain loans. XXXX will also request that the loans be removed from consumers credit reports. As with Restitution, consumers who qualify for this relief will have to have a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. Consumers who qualify for this relief will receive notice directly from XXXX, and not the settlement administrator. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by XXXX within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a Deficiency Waiver ; and c. You had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. \n3. Loan Forgiveness and Car Title : For certain consumers, XXXX is sending the consumer title to the car and has forgiven the balance of the loan. XXXX did this until the value of the total amount of loan forgiveness across the participating states reached {$45.00} million. XXXX will also request that the loans be removed from consumers credit reports. If you qualified for this relief, you should receive notice from XXXX by the end of XXXX, XXXX. \nThe consumers who qualified for this relief :. Defaulted on the loan but the vehicle was not repossessed ; and b. Had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, IL XXXX I","date_sent_to_company":"2021-03-01T18:58:58.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"714XX","tags":null,"has_narrative":true,"complaint_id":"4080823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Trevathan Law Firm, APLC","date_received":"2021-01-20T20:20:55.000Z","state":"LA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["The <em>lawsuit</em> thus also complains that the company pursued the plaintiffs for deficiency balances that it no longer had any legal right to. \n\nFailure to <em>notify</em> me that XXXX has a class-action <em>lawsuit</em> What states are included in the <em>settlement</em>?"],"sub_issue":["Seized or attempted to seize <em>your</em> property"]},"sort":[13.4324875,"4080823"]},{"_index":"complaint-public-v1","_id":"12304449","_score":13.291012,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"BLOCK INC. VIA CASH APP, NOTICE OF INTENT TO SUE WITH LAWSUIT, FOR REPEATED VIOLATIONS OF CONSUMER PROTECTION LAWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XX/XX/XXXX https : //www.consumerfinance.gov/complaint XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Notice of Intent to Sue and Request for Settlement Discussions Regarding Cash Apps Repeated Violations of Federal Consumer Protection Laws While Under Current Consumer Financial Protection Consent Order for The Exact Violations of Law Inflicted On Potential Plaintiff XXXX XXXX, Please See : https : //files.consumerfinance.gov/f/documents/cfpb_block-inc-consent-order_2025-01.pdf XXXX COMPARE WITH XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau and Block Inc. Administrators : I am writing to formally notify you of Cash Apps continued violations of consumer protection laws as detailed in the attached lawsuit. I was burdened, harmed and injured by this Cash App unwarranted and replicated violations of consumer protection laws, and disregard of merchant fraud, while under the below linked Consumer Financial Protection Bureau and Block Inc. Consent Decree at : https : //files.consumerfinance.gov/f/documents/cfpb_block-inc-consent-order_2025-01.pdf I seek an end to the targeting of innocent people for these unwarranted, malicious, loss of quality of life, time, and money Cash App violations of law. My intent to initiate legal action against Cash App for their malicious, persistent and willful violations of consumer protection laws, which have caused me substantial harm, is exemplified in the attached lawsuit, enclosed with this letter. You will find an extensive draft of the lawsuit that details the specific Cash App repeated violations of consumer protection laws inflicted on me, while Cash App is under Court Order. \nThe lawsuit includes the legal claims against Cash App, the nature of the unlawful conduct, and the extent of damages I have incurred as a result of Cash Apps willful non compliance with the above linked and current CFPB Order. \n\nDespite being subject to a court order issued by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, aimed at curtailing violations of consumer protection statutes, Cash App has egregiously continued its illegal practices. These actions not only flout the court order but also inflict considerable harm on consumers, as evidenced in the enclosed lawsuit. Among the many infractions, Cash App has repeatedly engaged in the following violations of federal consumer protection laws : 1. Failure to Investigate Unauthorized Transactions : In direct contravention of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, and as previously noted by the CFPB, Cash App has systematically neglected its duty to investigate disputes regarding unauthorized transactions promptly and adequately. This disregard for regulatory requirements has wrongfully shifted the burden of resolution onto consumers, including myself, who have been directed to pursue chargebacks through banks or card issuers or to resolve issues with merchants, a clear violation of federal law. This Cash App violation of the Electronics Fund Transfer Act in and by itself, serves to aid, abet and facilitate fraud, as has been done to me. \n\n2. Deceptive Practices in Customer Support : Cash App has misrepresented its customer support services, claiming to offer live telephone assistance for reporting unauthorized transactions. In reality, consumers assaulted by merchant organized fraud, seeking urgent help, such as myself, have been met with pre-recorded messages and inadequate online communication channels, leaving us exposed to fraud and exacerbating financial losses due to ineffective support. \n\n3. Inadequate Fraud Prevention Measures : The CFPB 's findings indicate that Cash App has failed to implement sufficient protocols to detect, prevent, and respond to fraud on its platform. This failure has allowed fraudulent activities to flourish, targeting users like myself. My experience of merchant fraud, compounded by Cash App 's refusal to provide dispute resolution, provisional credit, or my rightful refund, is testament to the platforms complicity in perpetuating such fraud. \n\nThe repercussions of Cash App 's illicit activities have been profoundly damaging to me, not only financially but also emotionally, due to the protracted and XXXX  XXXX  and distress caused by their inaction, lack of support and repeated violations of law. The detrimental effects I have endured are symptomatic of a systemic issue that affects numerous Cash App users who use the platform for secure transactions. \n\nIn light of the aforementioned, I am seeking fair compensation for the damages resulting from Cash Apps repeated legal infractions. I am open to settle this matter amicably through settlement discussions. However, please be advised that the attached lawsuit is prepared for immediate filing should we fail to reach an acceptable resolution. \n\nI respectfully request that a designated legal representative from Block Inc. or the CFPB Consent Order Administrator contact me within seven ( 7 ) days of receiving this notice to discuss a potential settlement. Should I not receive a timely response, I will proceed with filing the lawsuit to seek justice and statutory remedies for the repeated and unwarranted violations of law inflicted on me that I have suffered from. \n\n\n\n\n\n\n\n\nThis communication serves as a dual-purpose document : a notice of my intent to sue and an invitation for Block Inc./Cash App to remedy the replicated and preventable violations of consumer protection laws. Considering Block Inc.s legal obligations under federal statutes, including EFTA , Regulation E, CFPA, and the CFPB 's recent enforcement orders, I expect this matter will be addressed with the seriousness and urgency it demands. \n\nFor all correspondence related to this matter, please contact me via phone, email, certified mail, or fax at the following : Phone : XXXX XXXX XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX Enclosure : Lawsuit Draft","date_sent_to_company":"2025-03-05T06:18:51.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"12304449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-03-05T06:05:17.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am open to settle this matter amicably through <em>settlement</em> discussions. However, please be advised that the attached <em>lawsuit</em> is prepared for immediate filing should we fail to reach an acceptable resolution. \n\nI respectfully request that a designated legal representative from Block Inc. or the CFPB Consent Order Administrator contact me within seven ( 7 ) days of receiving this notice to discuss a potential <em>settlement</em>."]},"sort":[13.291012,"12304449"]},{"_index":"complaint-public-v1","_id":"1401022","_score":13.191191,"_source":{"product":"Mortgage","complaint_what_happened":"In 2010 I was wrongfully foreclosed while in loan modification with SunTrust Bank. I was initially denied loan modification and had to hire a XXXX party to get the bank to respond. While I was in loan modification the bank foreclsed on me and demanded I vacate my house. For the first 8 months of the loan modification ( which was only supposed to be XXXX payments as per their documentation ) SunTrust sent back all my payments, I had to resend XXXX XXXX x, the bank claimed I did not have a note with them! The loan modification docs indicated it would be XXXX payments, they kept it in loan mod for XXXX as long. They did not do correct accounting and by refusing my payments while in loan mod they attempted to deny again. They delayed the loan modification by stalling on accepting payments and creating late fees. They foreclosed on me while in loan mod and then did not change ownership back to me when the foreclosure was rescinded in court. \nIt took almost 2 years to get that wrongfull action addressed and SunTrust did go back to the court and rescind the foreclosure, I then had to threaten lawsuit to the law firm for not changing back the county filed record of ownership whcih took 3 years for them to correct. I qualify for multiple compensation categorys as a result of wrongs committed by SunTrust and their law firm XXXX and XXXX. \nI received in the mail a notification of a class action settlement for the above. I contacted the agency that is responsible for processing the SunTrust HAMP Settlement to individuals who had been wronged by SunTrust. IN the participation and release form it states that if you qualify for more compensation and would like a review of your case to notify them in writing which I did. I sent them XXXX pages of documentation for the additional deeds that were committed by SunTrust . I sent a letter requesting a review with the release form as directed by the XXXX, XXXX, at the Hamp settlement location. I followed up with the agency 2 weeks later to find out status of reivew, they told me there is no process for such and that I released them from any further claims!!! Under their direction I had signed that release form, the agent, XXXX had said that is the process to start the review. When I called back, I got another agent that told me I was given wrong information and that there is NO Review process. THEY LIED once again!!! NOt only have I been lied to by SunTrust, but now am being lied to by the very government mandated agency that is supposed to right a wrong! I sent proof of the mulitple wrong doings of the bank and they told me I was not eligible, even though it clearly states in the form sent out to me to file the claim. My desired resolution is for the case to be reviewed given the evidence that SunTrust is obviously not releasing, and to be compensated as per the stated damages mandated through court action. SunTrust knowingly called my insurance company while I was in loan mod, and told them I was no longer the owner so that my policy would be cancelled and suntrust could bilk me for an outrageous insurance binder thereby increasing what I owe, this I believe was rolled into the modification amount. I also was dealt a very bad loan modification deal and am upside down with the loan still, ie the loan is more then the house is worth.I wish that they reduce the loan amount to reflect the value, and get a fixed rate that is manageable.","date_sent_to_company":"2015-06-03T20:04:28.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"FHA mortgage","zip_code":"811XX","tags":null,"has_narrative":true,"complaint_id":"1401022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2015-06-01T22:57:14.000Z","state":"CO","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I contacted the agency that is responsible for processing the SunTrust HAMP <em>Settlement</em> to individuals who had been wronged by SunTrust. IN the participation and release form it states that if you qualify for more compensation and would like a review of <em>your</em> case to <em>notify</em> them in writing which I did. I sent them XXXX pages of documentation for the additional deeds that were committed by SunTrust ."]},"sort":[13.191191,"1401022"]},{"_index":"complaint-public-v1","_id":"4025151","_score":13.18102,"_source":{"product":"Debt collection","complaint_what_happened":"This is the second time that I have reported this from XXXX XXXX XXXX XXXX. The first time I reported it, it was tracked in two separate cases : XXXX - ACE ( original creditor ) responded and agrees it does not match their records and they believe this was a scam XXXX - sent to FTC because company could not be reached I received the same email from a different email address, but it was the same communcation with the same incorrect personal information and threatens legal action. \n\nFrom : XXXX XXXX XXXX XXXX XXXX Sent : XXXX XX/XX/XXXX XXXX XXXX  To : XXXX Subject : [ External ] Department of Law & Enforcement Legal Notice : Reference Case Id LF - XXXX ( Case Filed ) This message was sent from a non-IU address. Please exercise caution when clicking links or opening attachments from external sources. \n\nXXXX XXXX ( SSN # XXXX ), ( Lawsuit declared and case forwarded to the courthouse against Mr. /Ms. XXXX XXXX on XX/XX/XXXX ) This email is in reference to notify you that Mr/Ms. XXXX XXXX has been blacklisted ; defaulter 's social security number and banking accounts are under investigation through major credit bureau XXXX. Defaulter would be receiving the court papers at mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX, XXXX within the next seven business days once we file lawsuit against you as the person has failed to pay off this account as per the agreement. \n\nNote : Defaulter was offered several chances to take care of this debt but Mr. /Ms. XXXX XXXX committed false commitments with the company during resolution procedure and attempted fraud continuously ; therefore we have decided to finally present this case for lawsuit into the courthouse by today XX/XX/XXXX. One copy of this lawsuit will be forwarded to the major credit bureaus in order to seize all mortgage and banking assets to collect the total outstanding balance of {$1000.00} and lawsuit charges along with courthouse and attorney fees as mentioned below : Filed Lawsuit Charges Summary : Total Outstanding Balance : {$1000.00} Courthouse and Attorney Fees : {$790.00} Lawsuit Amount : {$11000.00} Major Credit Bureaus File Processing Fees : {$420.00} Legal Stamp Charges : {$290.00} Agreement Breached Charges : {$150.00} Financial Institution & Bad Debt Banking Charges : {$110.00} Defaulters Record : First Name : XXXX Last Name : XXXX Phone : XXXX D.O.B : XX/XX/XXXX Drivers License : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX, XXXX Requested Loan Amount : {$500.00} Approved Loan Amount : {$300.00} Case Information : Initial Loan Disbursement Amount : {$300.00} Case No : XXXX - XXXX Settlement Amount : {$290.00} Total Outstanding Balance : {$1000.00} Lawsuit Filed On : XX/XX/XXXX Charges against Mr. /Ms. XXXX XXXX FDCPA ACT - 811 ( 15 USC1692I ) Case Type- Fraudulent Act ( FC/SC ) Lawsuit Under Consumer Fraudulent Activity Immediate Effect Seizure of all Banking Accounts & SSN According to our records you have not settled a debt with us, you have 24 hours from the date of this letter to submit payment and/or evidence that your debt is paid in full, otherwise the civil division will automatically refer your debt to the department of the treasury for collection of amount ( {$3100.00} ), to a credit service bureau and possible to the Internal Revenue Service ( IRS ) for tax refunds offset. A fee of up to 28 percent of the debt may be added to the outstanding balance in addition. There may be interest on the unpaid balance that will be assessed yearly. The interest rate is determined by the U.S DEPARTMENT OF TREASURY ( U.S TREASURY ). Interest and penalty charges may continue to accrue until your debt is paid in full. You may enter into an acceptable written payment agreement, refer to the enclosed for details. \n\nOnce your debt is submitted to the IRS, the U.S treasury will reduce or withhold any of your eligible federal payments by the amount of your debt. The process known as offset, is authorized by the debt collection ACT of 1982 and the debt collection improvement ACT of 1966. U.S treasury is not required to send you notice before your payment is offset. Federal payment eligible for offset include your income tax refunds : your salary pay, including military pay ; your federal retirement including military pay ; your contractor/vendor payments ; certain federal benefit payment ; including certain loans to you, that are not exempt from offset. \nIf you make or provide any knowingly false or frivolous statement, representations or evidence, you may be liable for penalties under the false claims ACT ( 31 U.S.C. paragraph 3729-3731 ) or other application statutes, and/or criminal penalties under 18 U.S.C. paragraph 286, 287, 1001 and 1002 or other applicable statutes. \nOne copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. \n\nNOTE : Kindly present all of your documents into United States Courthouse ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States ) on the courthouse date which will be delivered to you within seven business days as we have already filed lawsuit against you into the courthouse on XX/XX/XXXX. \n\nCOURT HOUSE : United States Courthouse ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States ) Your courthouse reference case number is # XXXX which is under the hand of court house attorney Mr. XXXX XXXX. \nThis case was filed under fraudulent section ( C ) chapter 19 into the courthouse and will be executed as per the agreement in order to pay off this account under the guidance of court house. \nImportant Note : Mr. /Ms. XXXX XXXX is no longer eligible to apply for any credit or loan through any lender in the United States. \nKindly make sure to have all necessary documents into the courthouse on the court house date which will be delivered to you through the courthouse within the next two to seven business days. \nKindly email us immediately if you still want to hold this account by paying off your settlement amount of {$290.00} on XX/XX/XXXX else be presented into the courthouse as stated this has been filed for lawsuit into the courthouse on XX/XX/XXXX in order to collect the total sum due of {$1000.00} along with the lawsuit {$11000.00} and applicable attorney fees. \nThis is the last warning before taking further actions on the judgment against you. Failure to this notice will require us to utilize one of the enforcement as mentioned above options against you. No further notice will be given before further enforcement actions on this judgment. \nWe believe that this was not your intent and that these steps are unnecessary. We merely require you to contact us through email for immediate assistance or call us at XXXX XXXX XXXX XXXX to resolve this matter quickly. \n\n\nCopyright XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use ( This is a written communication electronic acknowledgement from XXXX XXXX XXXX XXXX and is solely intended for only Mr. /Ms. XXXX XXXX ( SSN # ) XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. secs. 2510-2521, and is legally privileged and confidential. If the reader of this message is not the intended recipient, the reader is hereby notified that any unauthorized review, dissemination, distribution, or copying of this message is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.","date_sent_to_company":"2020-12-21T14:25:24.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"4025151","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","date_received":"2020-12-21T14:25:20.000Z","state":"NV","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Kindly email us immediately if you still want to hold this account by paying off <em>your</em> <em>settlement</em> amount of {$290.00} on XX/XX/XXXX else be presented into the courthouse as stated this has been filed for <em>lawsuit</em> into the courthouse on XX/XX/XXXX in order to collect the total sum due of {$1000.00} along with the <em>lawsuit</em> {$11000.00} and applicable attorney fees. \nThis is the last warning before taking further actions on the judgment against you."],"sub_issue":["Threatened or suggested <em>your</em> credit would be damaged"]},"sort":[13.18102,"4025151"]},{"_index":"complaint-public-v1","_id":"10820673","_score":13.136679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter is in response to your recent claim that Equifax : [ XXXX, XXXX ] [ Account number : XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. \nThis account was CHARGE OFF on the following date [ XXXX, XXXX ]. Since then, the account has repeatedly been updated as Charge-Off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account immediately : Equifax : [ XXXX, XXXX ] [ Account number : XXXX ] This account was paid in full on time on XX/XX/XXXX and i will attach evidence of that, after that on XX/XX/XXXX this Company [ XXXX, XXXX ] cancelled the payments that i've made on this account incorrectly with bad faith, the money of these payments never was refunded to me, the payments were done correctly, but they took the money from me anyway with no refund. My financial situation was affected by XXXX XXXX, however, i've receive a letter from them asking me if i make an additional pay for {$790.00} this account will be settled with Balance {$0.00} and the incorrect information will be deleted, therefore, i made a payment of XXXX $ in good will with good faith on XX/XX/XXXX ( I will attach the payment evidence ), after pay the amount of {$790.00} on this account as they requested, the account never was settled to balance {$0.00} and the inaccuracies never was removed as they promise in the settlement letter and phone calls several times ( I will attach the settlement letter as evidence ), which this negative account is still continue affecting and hurting my Credit Score and Credit Report every month with false and incorrect information violating my rights as a consumer with these inaccuracies made on purpose with bad faith by XXXX, XXXX. \nI have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by [ XXXX, XXXX ] [ Account number : XXXX ] substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).\n\nAccording to FCRA 611 ( 15 U.S.C. 1681I ) ( PROCEDURE IN CASE OF DISPUTED ACCURACY ) they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \nIn my case as a consumer, my redit report has to be 100 % accurate. Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act 611 ( a ) ( 7 ), i'm going to file a Small Claims lawsuit against you if you do not Delete and Remove this account from my Credit Report for Violations of the Fair Credit Reporting Act - including but not limited to Section 611.","date_sent_to_company":"2024-11-16T08:31:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94534","tags":null,"has_narrative":true,"complaint_id":"10820673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-16T08:04:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act 611 ( a ) ( 7 ), i'm going to file a Small <em>Claims</em> <em>lawsuit</em> against you if you do not Delete and Remove this account from my Credit Report for Violations of the Fair Credit Reporting Act - including but not limited to Section 611."],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[13.136679,"10820673"]},{"_index":"complaint-public-v1","_id":"3495149","_score":13.13493,"_source":{"product":"Debt collection","complaint_what_happened":"I received two email from two separate people with two different amounts saying that I owe a payday loan company money. The only payday company Ive ever used is XXXX and I currently have a up to date payday loan with them. Theres no way I could even have another loan out right now or for that amount they are demanding I pay even with the state of Floridas laws. They have advised that they have filed two separate cases against me in court, however I have gone to the courts website and looked up all court cases in the entire US with my name or even a variation of my name and nothing is there. The companies are claiming to be with XXXX XXXX XXXX XXXX, but there is no evidence of such law firm anywhere nor have they provided any business location or phone number other than a total of three extremely fake email addresses. This is a scam. \n\nHere is the first email. \n\n\nRECOVERY DEPARTMENT XX/XX/XXXX Account Identification Docket Number : XXXX Invoice : XXXX Balance : {$920.00} contact : mailto :  XXXX Dear, This letter confirms that XXXX XXXX XXXX   is dully authorized to accept {$920.00} in full settlement of the above referenced account. \n\nIf you are not able to submit that amount then settlement amount due is as follows. \n\nFirst Installment for Today to stop the warrant and initiate your settlement option. \n\nDate : XX/XX/XXXX Payment for Today : {$120.00} ( Rest of XX/XX/XXXX installments for {$180.00} will be scheduled for every other week ) OR You are still applicable for OIC policy by submitting {$740.00} in full before XX/XX/XXXX. \nYour payment must be submitted before due date otherwise this will be considered as a flat refusal. \n\nReply of this e-mail chain conversation is must as per bureau 's norms as a proof that you have received the communiqu from the accounts department regarding your payment registry in terms of settlement options, to resolve this case outside of court without any disputes. \n\nSo kindly respond to this email on mailto : XXXX to resolve this matter. \n\nRegards, XXXX XXXX Accounts Department Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation. \n\n\nHere is the second email. \n\n\n\n\n\nImage CREDITOR : SPEEDY CASH SERVICES CASE NO : - XXXX OUTSTANDING AMOUNT : {$920.00} Todays Settlement Amount : {$650.00} CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of Speedy Cash Services Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of XXXX XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. \n\nWe have sent you this warning notification about legal proceedings on XX/XX/XXXX, but you failed to respond on time now its high time if you failed to respond, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. \n\nWe will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$14000.00} and will be totally levied upon you and that would be excluding your attorney charges. \n\nPlease let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. \n\nThis is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. By electronically signing this Loan Agreement by clicking the \" I AGREE '' the button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.\n\nIF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto :  XXXX Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX At Speedy Cash, the privacy and security of your personal and financial information is our top priority. Since our doors first opened in XX/XX/XXXX, we have been continually innovating and implementing advanced technologies and techniques to ensure the safety and privacy of your information. We deeply value the trust you place in us and we are committed to providing you a safe and secure loan experience regardless of the method you decide to use to apply for credit with us.","date_sent_to_company":"2020-01-21T20:02:10.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"32547","tags":null,"has_narrative":true,"complaint_id":"3495149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2020-01-14T00:16:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Told you not to respond to a lawsuit they filed against you"},"highlight":{"complaint_what_happened":["We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform <em>your</em> employer and <em>your</em> references regarding this issue and the <em>lawsuit</em> will be the next step which will be amounting to {$14000.00} and will be totally levied upon you and that would be excluding <em>your</em> attorney charges."],"sub_issue":["Told you not to respond to a <em>lawsuit</em> they filed against you"]},"sort":[13.13493,"3495149"]},{"_index":"complaint-public-v1","_id":"11971956","_score":12.885767,"_source":{"product":"Debt collection","complaint_what_happened":"See below for original complaint and response. In the law firm 's response, they fail to mention that in two written communications on XX/XX/XXXX and XXXX, I shared that the account had been stolen- to which they never acknowledged. I am attaching documentation of the above defamation. Furthermore, the firm failed to disclose that, in the email communication on XX/XX/XXXX, I asked for the full amount due so that I could pay the full amount- to which I did not get a reply until XX/XX/XXXX in which I was told my account was in default. The account became default while I was WAITING for the firm to confirm what amount to send to pay off the balance. I am attaching documentation to support this second count of non-disclosure and defamation. \nThis continued prosecutorial misconduct in non-disclosure of communications that support my claim prosecutorial accuses me of being dishonest in my complaint, which I do NOT appreciate and fully consider as defamation. \n\nYOUR COMPLAINT XXXX transferred credit card debt to Calvary Portfolio Services in XXXX. I notified Calvary Portfolio Services that I was not aware of this debt and that, to my knowledge, it had been paid off. I asked them for a copy of the statements and after months they supplied it- to which I realized that my account had substantial fraudulent charges and unauthorized enrollments and charges by XXXX XXXX I notified Calvary of this- to which they did not respond. Debt collection attempts continued. I then was served papers- I notified both the law firm ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Calvary that the debt was not mine- and got no response. Although I notified both parties that this debt was a result of fraud, they continued to ignore my statement. I was encouraged by the law firm to settle for 80 % despite continually stating that the debt was not mine. The contact at XXXX, XXXX and XXXX XXXX advised me that the client \" was known to be very aggressive '' even though I continued to state that the debt was not mine. The law firm took me to court - my repeated statement of the debt not being mine was not disclosed by Calvary or XXXX, XXXX and XXXX XXXX and they pursued the full amount. After unfairly paying over {$2000.00} over XXXX on time payments on this debt, I was attempting to submit XXXX payment on XX/XX/XXXX to find that the system would no longer accept my electronic payments. I reached out to the law office only to be told that a payment on XX/XX/XXXX had not gone through. I stated that I was unaware of this and explained it was due to an account change and immediately offered to submit both XXXX and XXXX payments- only to be told after XXXX on XX/XX/XXXX that all payments must be sent in via certified funds. I then asked for my total balance with intent to pay the balance of around {$2000.00} off. After 16 days, of no response, I resent my request for my total balance and was told my account was in default and I owed ~ {$5800.00} immediately. I shared my irritation that I was not given the option to submit payment on time due to lack of communication and notification. Both companies unethically and continually ignored my statement of fraud- while knowing that the original creditor was under investigation for related reasons. \n\nView full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation XXXX 's Response XX/XX/XXXX VIA ELECTRONIC PORTAL Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX Case No. : XXXX, State of South Carolina , County of XXXX - In the Court of Common Pleas Internal File No. : XXXX Dear Sir or Madam : Thank you for giving XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) the opportunity to respond to this complaint. By way of background, on or about XX/XX/XXXX, this underlying account was opened with XXXX, XXXX. The last payment posted to the account by XXXX on or about XX/XX/XXXX. Due to a default on the account, the account was charged off on or about XX/XX/XXXX. On or about XX/XX/XXXX, our client, XXXX XXXX I, XXXX, acquired the account from XXXX. On or about XX/XX/XXXX, XXXX XXXX account was placed with STW for legal collections. On or about XX/XX/XXXX, XXXX sent XXXX XXXX the notice required under XXXX XXXX. XXXX which requires that consumers be provided their rights. On XX/XX/XXXX, XXXX filed a lawsuit against XXXX XXXX in the Court of Common Pleas XXXX XXXX of XXXX. In her CFPB complaint, XXXX XXXX raises that the account may be a result of identity theft. XXXX XXXX did not make any mention of identity theft in the Answer filed with the court on XX/XX/XXXX, the Motion to Compel Arbitration that she filed on XX/XX/XXXX, in her response to the Discovery request submitted on XX/XX/XXXX, at the time that suit was filed, service was obtained, or in later settlement agreements between XXXX XXXX and our firm. On XX/XX/XXXX, XXXX contacted XXXX XXXX to discuss a voluntary payment arrangement or possible settlement arrangement. On XX/XX/XXXX, a settlement proposal made by XXXX XXXX was submitted to our client, Cavalry, for review and approval. This settlement proposal was approved by Cavalry and an email response was sent to XXXX XXXX to advise her that her settlement was approved along with a corresponding approval letter for her records. On XX/XX/XXXX, XXXX XXXX appeared via XXXX for the Plaintiffs, our clients, motion for summary judgment. XXXX XXXX alleged that the card was stolen and that she reported this to XXXX in XXXX. XXXX XXXX claimed that she recollected that some of the charges appeared fraudulent. STWs counsel countered that XXXX XXXX had been provided with account billing statements for the underlying account within the summons and complaint, that this is the first assertion of theft, and no evidence was provided to substantiate the claim of fraud/theft. On XX/XX/XXXX, XXXX was entered against the consumer in favor of our client, XXXX. On XX/XX/XXXX, XXXX XXXX emailed our office to discuss the previous settlement agreement. On XX/XX/XXXX, XXXX received the first voluntary payment from XXXX XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, XXXX received a total of {$4300.00} in payments from XXXX XXXX. XXXX XXXX last payment attempt on XX/XX/XXXX, was returned as non-sufficient funds. On XX/XX/XXXX, XXXX XXXX contacted our office by email and stated that she would be placing her next payment in the mail within the next XXXX business days and that she was interested in paying the remainder/best offer in full On XX/XX/XXXX, XXXX received a CFPB complaint filed by XXXX XXXX. In the following XXXX days, XXXX received emails from XXXX XXXX. In response, on XX/XX/XXXX, XXXX sent an email to XXXX XXXX stating that her account is under review with our client. Please note, our client inquired with XXXX about XXXX XXXX claim of fraud. XXXX reviewed the account and did not have any record of a fraud claim on the account. Further, in her complaint, XXXX XXXX alleges negligent, coercive, and borderline discriminating communication and gender discrimination. We have reviewed our records regarding XXXX XXXX account and have found no evidence to support these claims. Further, it is the policy of this firm to treat all consumers equal, with respect, and not to discriminate, mislead, or coerce anyone and we adhered to that policy with this consumer. If XXXX XXXX would like to discuss her account, she is encouraged to contact our law firm at XXXX. If your office has any further questions, please do not hesitate to contact us. Respectfully, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-06T18:48:30.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"11971956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2025-02-06T18:47:58.000Z","state":"SC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This continued prosecutorial misconduct in non-disclosure of communications that support my <em>claim</em> prosecutorial accuses me of being dishonest in my complaint, which I do NOT appreciate and fully consider as defamation. \n\n<em>YOUR</em> COMPLAINT XXXX transferred credit card debt to Calvary Portfolio Services in XXXX. I <em>notified</em> Calvary Portfolio Services that I was not aware of this debt and that, to my knowledge, it had been paid off."]},"sort":[12.885767,"11971956"]},{"_index":"complaint-public-v1","_id":"11973191","_score":12.84212,"_source":{"product":"Debt collection","complaint_what_happened":"See below for original complaint and response. In the law firm 's response, they fail to mention that in XXXX written communications on XX/XX/XXXX and XXXX, I shared that the account had been stolen- to which they never acknowledged. I am attaching documentation of the above defamation. Furthermore, the firm failed to disclose that, in the email communication on XX/XX/XXXX, I asked for the full amount due so that I could pay the full amount- to which I did not get a reply until XX/XX/XXXX in which I was told my account was in default. The account became default while I was WAITING for the firm to confirm what amount to send to pay off the balance. I am attaching documentation to support this second count of non-disclosure and defamation. \nThis continued prosecutorial misconduct in non-disclosure of communications that support my claim prosecutorial accuses me of being dishonest in my complaint, which I do NOT appreciate and fully consider as defamation. \n\nYOUR COMPLAINT XXXX transferred credit card debt to XXXX XXXX XXXX in XXXX. I notified XXXX XXXX XXXX that I was not aware of this debt and that, to my knowledge, it had been paid off. I asked them for a copy of the statements and after months they supplied it- to which I realized that my account had substantial fraudulent charges and unauthorized enrollments and charges by XXXX XXXX I notified XXXX of this- to which they did not respond. Debt collection attempts continued. I then was served papers- I notified both the law firm ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the debt was not mine- and got no response. Although I notified both parties that this debt was a result of fraud, they continued to ignore my statement. I was encouraged by the law firm to settle for 80 % despite continually stating that the debt was not mine. The contact at XXXX, XXXX and XXXX XXXX advised me that the client \" was known to be very aggressive '' even though I continued to state that the debt was not mine. The law firm took me to court - my repeated statement of the debt not being mine was not disclosed by XXXX or XXXX, XXXX and XXXX XXXX and they pursued the full amount. After unfairly paying over {$2000.00} over XXXX on time payments on this debt, I was attempting to submit XXXX payment on XX/XX/XXXX to find that the system would no longer accept my electronic payments. I reached out to the law office only to be told that a payment on XX/XX/XXXX had not gone through. I stated that I was unaware of this and explained it was due to an account change and immediately offered to submit both XXXX and XXXX payments- only to be told after XXXX on XX/XX/XXXX that all payments must be sent in via certified funds. I then asked for my total balance with intent to pay the balance of around {$2000.00} off. After XXXX  days, of no response, I resent my request for my total balance and was told my account was in default and I owed ~ {$5800.00} immediately. I shared my irritation that I was not given the option to submit payment on time due to lack of communication and notification. Both companies unethically and continually ignored my statement of fraud- while knowing that the original creditor was under investigation for related reasons. \n\nView full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.\n\nCompany responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation XXXX 's Response XX/XX/XXXX VIA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX Case No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - In the Court of Common Pleas Internal File No. : XXXX Dear Sir or Madam : Thank you for giving XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) the opportunity to respond to this complaint. By way of background, on or about XX/XX/XXXX, this underlying account was opened with XXXX, XXXX. The last payment posted to the account by XXXX on or about XX/XX/XXXX. Due to a default on the account, the account was charged off on or about XX/XX/XXXX. On or about XX/XX/XXXX, our client, XXXX XXXX I, XXXX, acquired the account from XXXX. On or about XX/XX/XXXX, XXXX XXXX account was placed with STW for legal collections. On or about XX/XX/XXXX, XXXX sent XXXX XXXX the notice required under XXXX XXXX. XXXX which requires that consumers be provided their rights. On XX/XX/XXXX, XXXX filed a lawsuit against XXXX XXXX in the Court of Common Pleas XXXX XXXX of XXXX. In her CFPB complaint, XXXX XXXX raises that the account may be a result of identity theft. XXXX XXXX did not make any mention of identity theft in the Answer filed with the court on XX/XX/XXXX, the Motion to Compel Arbitration that she filed on XX/XX/XXXX, in her response to the Discovery request submitted on XX/XX/XXXX, at the time that suit was filed, service was obtained, or in later settlement agreements between XXXX XXXX and our firm. On XX/XX/XXXX, XXXX contacted XXXX XXXX to discuss a voluntary payment arrangement or possible settlement arrangement. On XX/XX/XXXX, a settlement proposal made by XXXX XXXX was submitted to our client, XXXX, for review and approval. This settlement proposal was approved by XXXX and an email response was sent to XXXX XXXX to advise her that her settlement was approved along with a corresponding approval letter for her records. On XX/XX/XXXX, XXXX XXXX appeared via XXXX for the XXXX, our clients, motion for summary judgment. XXXX XXXX alleged that the card was stolen and that she reported this to XXXX in XXXX. XXXX XXXX claimed that she recollected that some of the charges appeared fraudulent. STWs counsel countered that XXXX XXXX had been provided with account billing statements for the underlying account within the summons and complaint, that this is the first assertion of theft, and no evidence was provided to substantiate the claim of fraud/theft. On XX/XX/XXXX, XXXX was entered against the consumer in favor of our client, XXXX. On XX/XX/XXXX, XXXX XXXX emailed our office to discuss the previous settlement agreement. On XX/XX/XXXX, XXXX received the first voluntary payment from XXXX XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, XXXX received a total of {$4300.00} in payments from XXXX XXXX. XXXX XXXX last payment attempt on XX/XX/XXXX, was returned as non-sufficient funds. On XX/XX/XXXX, XXXX XXXX contacted our office by email and stated that she would be placing her next payment in the mail within the next XXXX business days and that she was interested in paying the remainder/best offer in full On XX/XX/XXXX, XXXX received a CFPB complaint filed by XXXX XXXX. In the following XXXX days, XXXX received emails from XXXX XXXX. In response, on XX/XX/XXXX, XXXX sent an email to XXXX XXXX stating that her account is under review with our client. Please note, our client inquired with XXXX about XXXX XXXX claim of fraud. XXXX reviewed the account and did not have any record of a fraud claim on the account. Further, in her complaint, XXXX XXXX alleges negligent, coercive, and borderline discriminating communication and gender discrimination. We have reviewed our records regarding XXXX XXXX account and have found no evidence to support these claims. Further, it is the policy of this firm to treat all consumers equal, with respect, and not to discriminate, mislead, or coerce anyone and we adhered to that policy with this consumer. If XXXX XXXX would like to discuss her account, she is encouraged to contact our law firm at XXXX. If your office has any further questions, please do not hesitate to contact us. Respectfully, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-06T18:48:27.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"11973191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Schrier, Tolin and Wagman, LLC","date_received":"2025-02-06T17:43:31.000Z","state":"SC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This continued prosecutorial misconduct in non-disclosure of communications that support my <em>claim</em> prosecutorial accuses me of being dishonest in my complaint, which I do NOT appreciate and fully consider as defamation. \n\n<em>YOUR</em> COMPLAINT XXXX transferred credit card debt to XXXX XXXX XXXX in XXXX. I <em>notified</em> XXXX XXXX XXXX that I was not aware of this debt and that, to my knowledge, it had been paid off."]},"sort":[12.84212,"11973191"]},{"_index":"complaint-public-v1","_id":"17217463","_score":12.808566,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'Dispute With Navy Federal Credit Union:\\nI had an intrusion of my computer and an authorized transfer of funds to some unknown individual?  This theft/crime was well organized.  The execution on a Tuesday evening had me witnessing two cursors on my monitor!  No backup support at the hour and not a clue what was happening. As stated in the statements below:\\n\\n-\\tI did not as accused Authorized or participated in the activity.    My computer was invaded without my knowledge.  I was not deceived not compliant in any manner.\\n-\\tI did not make a claim the morning I saw and called the fraud department of Navy Federal.  I made a report.\\n-\\tBetween the midnight hour the transaction was carried out on my invaded computer, taken over by the thieves, and my reporting there was extremely limited time for a automated clearing house (ACH) transaction to occur.  Interesting that every other time I initiated a funds transfer a message was sent to my XXXX account informing me about important information.   None this time.\\n-\\tNavy Federal has been called to task for their lack of investigating.  Only one investigating this action is myself and the staff at Last Stop.  Navy Federal did not investigate.  \\n-\\tNavy Federal told me verbally they would not contact Wells Fargo.  Their purpose is to prevent, not investigate  Same statement as at the time of the identify theft and home invasion.\\n-\\tWells Fargo told me this morning, XXXX XXXX XXXX, I could not discuss with anyone and had to work with Navy Federal.\\nA proposed next step is to have a verbal discussion with someone in Fraud Security.  I have no expectations of success with this.  I am seen as a peon in their self-preservation hierarchy \\n________________________________________\\nMy response to the below:\\nIt is the responsibility of Navy Federal to communicate with XXXX XXXX.  A trace number is an item for which Navy Federal staff has understand plus the route of contact.  I did call the sole/only means of contacting Wells Fargo -customer service.  I do not have an account for allow \\'verification\\'.  I will make mention to my legal counsel this is the first time no \\'Important Information About Your Transfer\\' was not posted, if a transfer was made.   I made a report on the morning of XXXX XXXX.  Claim process was not discussed.  Not until the evening of XXXX XXXX after having all computer related devices analyzed did the lady to whom I spoke stated \\'a claim had not been made\\'.  She subsequently made a \\'claim\\' and provided information to me.  As requested reinstate the funds!  \\n________________________________________\\XXXX\\nResponse from Navy Federal\\nThank you for choosing Navy Federal. We received communication from our Call Center that you are attempting to recall an ACH sent to XXXX XXXX. Per our Security Department\\'s decision, you are responsible for the activity disputed in your claim therefore, you will have to work with XXXX XXXX directly to try to recover the funds. The payee can provide the trace number XXXX,  to XXXX XXXX  to track the funds and resolve with them.\\n\\nFrom: XXXX XXXX XXXXnSent: Thursday, XXXX XXXX XXXX XXXX XXXX\\nTo: XXXX XXXX  \\nSubject: Fraud Denial, Brochure/Form Request, XXXX Police Report, Incident (Case Number) XXXX\\n\\nFrom: XXXX   \\nSent: Thursday, XXXX XXXX XXXX XXXX XXXX XXXXnSubject: Citizen Report Notification - XXXX\\nThe Citizen Report with tracking number XXXX  has been processed.\\n________________________________________\\nYour formal report has been processed and filed with the XXXX  Police Department under incident number: XXXX. This is the number that you would use for insurance purposes.\\nFor any additional information, correspondence, or inquiry, please refer to this incident number when contacting the XXXX  Police Department.\\nThank you for using the Online Crime and Lost Property Reporting System. Your report is now complete. \\n________________________________________\\nXXXX XXXX XXXX XXXX XXXX Report Non-Violent Crimes In XXXX.  Tracking number is XXXXnA complex scam was initiated, to the current best of our investigative knowledge on, probably before, XXXX XXXX XXXX to take get into my computer to rob funds from one of my Navy Federal Credit Union accounts.  The attempt after the planting of software by unknown persons and methods on my desktop resulted in an action to withdraw XXXX XXXX  in the name of \\'XXXX XXXX to a XXXX XXXX Account.  The action was initiated, per Navy Federal personnel, about \\'midnight\\'(unknown time zone). I discovered the attempt the morning, around XXXX, of XXXX XXXX XXXX  on my website.  I immediately notified Navy Federal Credit Union of this via phone and discussed with a fraud specialist.  On XXXX XXXX I took all my devices to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for analysis.  XXXX, employee, at XXXX XXXX reviewed programs on the computer discovering the software additions to my computer that had been made on or around XXXX XXXX by unknown persons and unknown methods. I had no visitors not allowed no one to use my computers.  On XXXX XXXX I was preparing to go to XXXX XXXX XXXX to work on my condominium.  I left on the XXXX I returned to XXXX  on the XXXX  due to items forgotten, and re-departed to XXXX XXXX XXXX XXXX XXXX XXXX. I feel this is part of the massive home invasion and identity theft that occurred on XXXX XXXX XXXX XXXX XXXX  is my detective of record and multiple cases have been filed with the XXXXXXXX  Police Department.\\n________________________________________\\nShowing results for Consumer Financial Protection Bureau (CFPB) investigation into Navy Federal\\nSearch instead for Consumer Financial Protection Bureau (CFPB) investigation\\nAI Overview\\nThe CFPB terminated a XXXX XXXX  overdraft fee settlement with Navy Federal Credit Union in XXXX XXXX, reversing a previous order for the credit union to refund consumers and pay a civil penalty. Before the termination, the CFPB had ordered Navy Federal to refund over XXXX XXXX and pay a XXXX XXXX penalty for alleged illegal overdraft practices. Separately, Navy Federal previously settled with the CFPB for XXXX XXXX over allegations of unfairly imposing certain fees on debit transactions. \\n\\n    Overdraft fees: In XXXX XXXX the CFPB ended a XXXX XXXX settlement with Navy Federal, which had alleged illegal overdraft practices. This reversed an earlier order for the credit union to pay over XXXX XXXX  in refunds and a XXXX XXXX  penalty, according to the Consumer Federation of America and XXXX XXXX.\\n    Unfair fees: In a separate case, Navy Federal paid XXXX XXXX to settle claims that it breached its account holder agreement by unfairly imposing certain fees on debit transactions, notes Consumer Action. \\n\\n________________________________________\\nNavy Federal has been the subject of poor investigations in several contexts, including a class-action lawsuit settlement for allegedly denying fraud claims, a \\nConsumer Financial Protection Bureau (CFPB) investigation into deceptive debt collection, and reports of mishandling fraud claims related to the \"parking lot scam\". Additionally, a separate issue involves allegations of discriminatory mortgage lending practices and an investigation into the denial of fraud claims by customers. \\nFraud and debt collection\\n\\tClass-action lawsuit: Navy Federal reached a proposed XXXX XXXX  settlement over allegations that it improperly rejected fraud claims, particularly after accounts were drained by unauthorized users. The lawsuit alleged the credit union failed to comply with federal rules regarding fraud investigation and member notification.\\n________________________________________\\nXXXXnStephenson v. Navy Federal Credit Union\\nis a class-action lawsuit that alleged the credit union violated the Electronic Funds Transfer Act (EFTA) by improperly denying members\\' unauthorized transaction claims and failing to provide sufficient explanations or documentation. The case has resulted in a proposed XXXX XXXX settlement, which would compensate approved claimants and require Navy Federal to revise its explanation letters. \\n\\XXXX________________________________________\\nIf a fraud or theft claim with Navy Federal is denied, you should first review the reason for the denial and gather additional supporting documentation, such as a police report or more transaction evidence\\n. You can then ask to speak with a fraud specialist at Navy Federal for a second review or file a complaint with the CFPB or the NCUA. It is crucial to report fraud as soon as possible and distinguish between fraud and scams, as you are not covered by the zero-liability policy for scams where you authorized the transaction. \\nIf your claim is denied\\n\\tReview the denial reason: Understand why your claim was denied to determine the next steps.\\n\\tGather more evidence: Collect additional documentation that can support your claim, such as screenshots of fraudulent emails, a police report, or statements showing unauthorized activity.\\n\\tRequest a second review: Contact Navy Federal and ask to speak with a fraud specialist to have them review your case again.\\n\\tEscalate the issue: If you believe the denial was unfair, file a complaint with the Consumer Financial Protection Bureau (CFPB) or the National Credit Union Administration (NCUA). \\n\\t\\nHow to file a fraud claim\\n\\tReport it immediately: The sooner you report the fraud, the better your chances of stopping or reversing the transaction.\\n\\tUse the correct forms and addresses: Navy Federal has specific forms and mailing addresses for different types of fraud. For example, use the Statement of Forgery form for debit card fraud or the Declaration of Forgery/Fraud form for other account types.\\n\\tSubmit the claim: You can typically submit claims online, by mail, or via eMessage. \\n\\t\\nImportant considerations\\n\\tFraud vs. scams: Navy Federal\\'s zero-liability policy covers fraud but not scams where you authorized the transfer yourself, even if you were deceived into doing so.\\n\\tProvisional credit: Navy Federal may issue a temporary, provisional credit, but this can be removed if the claim is not validated.\\n\\tIndividual review: Navy Federal states that each case is reviewed individually based on available evidence, and outcomes may vary.\\n________________________________________\\nXXXX XXXX?? This is Fraud to the best of my knowledge: ACH ORIG DEBIT - XXXX XXXX XXXX XXXX Pending Transaction Date (ET) XXXX XXXX XXXX Posted Date (XXXX) Pending Balance XXXX  Transaction Type ACH Debit   XXXX XXXX Account.\\n\\nXXXX    Appeal decision that I may have been involved.  Denial Authorized or participated in the activity.      \\n________________________________________\\nFrom: Navy Federal Credit Union  \\nSent: Wednesday, XXXX XXXX XXXX XXXX XXXXnTo: XXXXnSubject: Brochure/Form Request\\n\\nYour Brochure/Form Request\\n \\n\\n\\n\\nNavy Federal Security Zone:\\nEmail for XXXX  | XXXX XXXXBrochure/Form Request\\nThank you for allowing us to assist you today. The form(s) and/or brochure(s) you requested can be located by clicking the following link(s):\\n\\tSECURITY APPEAL (XXXX)\\nA PDF reader may be required to view the linked document(s). You can download a free PDF reader at hXXXXIf you need additional information, contact us.\\n\\n\\n\\n\\n\\n\\n\\nOur Members Are the Mission \\n\\n\\n\\n\\nContact Us  |  Security  |  Mobile Banking  |  Privacy Policy\\n \\nPlease do not reply to this email. This email is being sent from: Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX \\n  Equal Housing Lender |  XXXX  Navy Federal Credit Union. All rights reserved. NFCU DNS XXXX XXXX \\nNavy Federal is federally insured by NCUA.\\n\\n________________________________________\\n\\n*Navy Federal does not provide, and is not responsible for, the product, service, overall website content, security, or privacy policies on any external third-party sites. The Navy Federal Credit Union privacy and security policies do not apply to the linked site. Please consult the site\\'s policies for further information.\\n\\nNavy Federal has not request an appeal using their form be done.\\n \\nThanks.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-14T00:05:45.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"98409","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"17217463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-11-13T23:52:51.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["\\nIf <em>your</em> <em>claim</em> is denied\\n\\tReview the denial reason: Understand why <em>your</em> <em>claim</em> was denied to determine the next steps.\\n\\tGather more evidence: Collect additional documentation that can support <em>your</em> <em>claim</em>, such as screenshots of fraudulent emails, a police report, or statements showing unauthorized activity.\\n\\tRequest a second review: Contact Navy Federal and ask to speak with a fraud specialist to have them review <em>your</em> case again."]},"sort":[12.808566,"17217463"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":137,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":137}]}},"product":{"doc_count":137,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":49,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":48},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":41,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":20},{"key":"Payday loan debt","doc_count":8},{"key":"Mortgage debt","doc_count":4},{"key":"Other debt","doc_count":3},{"key":"I do not know","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"Medical debt","doc_count":1},{"key":"Payday loan","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":19,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":19}]}},{"key":"Mortgage","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":6},{"key":"FHA mortgage","doc_count":2},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Other type of mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Student loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":2},{"key":"Federal student loan servicing","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":3}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Debt or credit management","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":1},{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1},{"key":"Mobile or digital wallet","doc_count":1}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}}]}},"issue":{"doc_count":137,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":12},{"key":"Information belongs to someone else","doc_count":12},{"key":"Account status incorrect","doc_count":7},{"key":"Public record information inaccurate","doc_count":2},{"key":"Personal information incorrect","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":14},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2},{"key":"Debt was result of identity theft","doc_count":2},{"key":"Debt was paid","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":14},{"key":"Was not notified of investigation status or results","doc_count":2}]}},{"key":"Took or threatened to take negative or legal action","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":4},{"key":"Seized or attempted to seize your property","doc_count":3},{"key":"Sued you without properly notifying you of lawsuit","doc_count":3},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":1}]}},{"key":"False statements or representation","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":5},{"key":"Indicated you were committing crime by not paying debt","doc_count":2},{"key":"Impersonated an attorney or official","doc_count":1},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":8},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Improper use of your report","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":8}]}},{"key":"Struggling to pay mortgage","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":2},{"key":"Foreclosure","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":2},{"key":"Problem with additional products or services purchased with the loan","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Don't agree with the fees charged","doc_count":1},{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Written notification about debt","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":2}]}},{"key":"Can't contact lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":1}]}},{"key":"Didn't provide services promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan modification,collection,foreclosure","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan servicing, payments, escrow account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Settlement process and costs","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":137,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":136},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":137,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":101},{"key":"Closed with non-monetary relief","doc_count":33},{"key":"Closed with monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":137,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":137}]}},"company":{"doc_count":137,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":22},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":19},{"key":"Experian Information Solutions Inc.","doc_count":18},{"key":"SYNCHRONY FINANCIAL","doc_count":5},{"key":"CITIBANK, N.A.","doc_count":3},{"key":"CURO Intermediate Holdings","doc_count":3},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":3},{"key":"WELLS FARGO & COMPANY","doc_count":3},{"key":"AMERICAN EXPRESS COMPANY","doc_count":2},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":2},{"key":"Mr. Cooper Group Inc.","doc_count":2},{"key":"National Credit Adjusters, LLC","doc_count":2},{"key":"Navient Solutions, LLC.","doc_count":2},{"key":"RAS LaVrar, LLC","doc_count":2},{"key":"Resurgent Capital Services L.P.","doc_count":2},{"key":"Santander Consumer USA Holdings Inc.","doc_count":2},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":1},{"key":"Aldridge PIte Haan, LLP","doc_count":1},{"key":"American Credit Acceptance, LLC","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":1},{"key":"CCF Intermediate Holdings LLC","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"DEBT 0, INC","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"ERC","doc_count":1},{"key":"EVERBANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"Franklin Collection Service, Inc.","doc_count":1},{"key":"GVA Holdings, LLC","doc_count":1},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":1},{"key":"INTERCONTINENTAL EXCHANGE, INC.","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"Law Office of Michael J. Scott, PC","doc_count":1},{"key":"MORGAN STANLEY & CO. LLC","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"OneMain Finance Corporation","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"Real Time Group, Inc.","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Residential Home Mortgage Corporation","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"SUNTRUST BANKS, INC.","doc_count":1},{"key":"Schrier, Tolin and Wagman, LLC","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":1},{"key":"TomoCredit Inc.","doc_count":1},{"key":"Trevathan Law Firm, APLC","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1},{"key":"Vanz, LLC","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1},{"key":"Zarzaur and Schwartz, PC","doc_count":1}]}},"state":{"doc_count":137,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":31},{"key":"GA","doc_count":17},{"key":"MD","doc_count":10},{"key":"LA","doc_count":9},{"key":"CA","doc_count":8},{"key":"NY","doc_count":7},{"key":"TX","doc_count":7},{"key":"MI","doc_count":6},{"key":"SC","doc_count":5},{"key":"NJ","doc_count":4},{"key":"VA","doc_count":4},{"key":"AL","doc_count":3},{"key":"AZ","doc_count":3},{"key":"MN","doc_count":3},{"key":"TN","doc_count":3},{"key":"AR","doc_count":2},{"key":"CO","doc_count":2},{"key":"IL","doc_count":2},{"key":"NC","doc_count":2},{"key":"OH","doc_count":2},{"key":"PA","doc_count":2},{"key":"MO","doc_count":1},{"key":"NE","doc_count":1},{"key":"NV","doc_count":1},{"key":"OR","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":137,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":54},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":5},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":1},{"key":"Company chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":137,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":18},{"key":"Servicemember","doc_count":11},{"key":"Older American, Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[12.809586,"17217463"],"3":[10.849289,"10344923"],"4":[9.25182,"17472060"],"5":[6.9721212,"8181882"],"6":[4.8486576,"14858229"]}}}