{"took":233,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":54,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2703515","_score":17.912,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have a savings account with Bank of America for several years now. It was the kind where you have to maintain a {$2500.00} dollars in it but, while away on vacation, my account went below that limit. \n\nIn the past, I have had very good response from BoA and so I decided to call the company asking to, please, withdraw the fee as a courtesy since it was the first time in many years that this had happened. During the call I found out that, in fact, I was charged for two months EVEN THOUGH in my account web page ( which I have copied and attached ) I could only identify one month below the limit. At the end of that call, the representative said she could excuse one of the two {$12.00} maintenance fees imposed. \n\nFor the whole year, this savings account has earned me XXXX cents in interests. By charging {$12.00} to keep the account, the bank is, in reality, going against the very definition of the word \" savings ''. Furthermore, by not delineating clearly the balance levels in the account web page it is making it difficult for the account holders to defend themselves against the imposition of these maintenance fees. \n\nI have called the bank a second time but it has reaffirmed its decision not to withdraw ALL the maintenance fees and thus my plead to the CFPB to intervene on my behalf.","date_sent_to_company":"2017-10-16T13:59:33.000Z","issue":"Problem caused by your funds being low","sub_product":"Savings account","zip_code":"02115","tags":null,"has_narrative":true,"complaint_id":"2703515","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-10-16T13:24:21.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["During the call I found out that, in fact, I was charged for two months <em>EVEN</em> THOUGH in my account web page ( which I have copied and attached ) I <em>could</em> only identify one month below the limit. At the end of that call, the representative said she <em>could</em> excuse one of the two {$12.00} maintenance fees imposed. \n\nFor the whole year, this savings account has earned me XXXX cents in interests."]},"sort":[17.912,"2703515"]},{"_index":"complaint-public-v1","_id":"2685406","_score":14.762531,"_source":{"product":"Checking or savings account","complaint_what_happened":"See the following two emails. They explain what happened. I am a bank regulatory attorney and this defies anything i have experienced. We moved money from our XXXX account to another account in Peoples United Bank. Both are in NY ( XXXX XXXX ). The check used posted monday. XXXX refuses to release the funds until XXXX XXXX. XXXX has written them a letter telling them that there is no risk and all things are normal. XXXX refuses. The \" suspended funds '' are needed now to pay a mortgage. XXXX can not stop the check because it posted. Peoples will not clear the check in accordance with Reg CC. \n\n-- A email to our XXXX Representative sent today : \" XXXX, for whatever reason, the operations group in XXXX, CT, where their head office is located, simply refuses to release the funds. They give no articulable reason and showing them reality has no effect. Literally, you could hand them a red ball, and they would call it blue! This happened a few years ago when I, the local officer were on a conference call with someone in XXXX. That person did not know that I was able to see the same screen that she was using. The question arose as to when a particular deposit cleared. The local officer and I asked whether and when the particular deposit cleared. The XXXX person gave us an answer. The answer was clearly wrong. The local officer, again, asked the XXXX person to double check her facts. Again, she lied. At that point, the local officer was red with embarrassment and I simply told both and it made no sense to continue this conversation because we were not negotiating on the same level. \n\nTo this day, I am not sure why she lied but we keep the account open for very narrow purposes and try to never put ourselves in a position with Peoples that requires an ethical or regulatory-based compliant decision. Obviously, we all know what happens when banks make mistakes and I spend 30 % of my time defending my client banks against angry customers and unhappy regulators. Without getting too deep, there has been a perceived decline in the industry over the past 20 years and there are many reasons for this. \n\nHowever, Peoples takes this perception problem to a level that even I could not defend. ( a ) if XXXX pays the check, Peoples is not permitted to inquire as to whether XXXX paid the check on an overdraft exception basis or for any other reason as long as the funds are properly transferred ; they either clear it under the Reg CC time periods, or not. XXXX b ) If peoples suspects some foul play, they XXXX hold the check but need to explain why. \n\nXXXX is doing neither. Even in the face of your letter, etc, they refuse to release money that does not belong to them. \n\nThe answer is to put a stop in the check. Even after the check has been posted, you are allowed to do this for various reasons. While unusual, a justifiable reason would be that the depositor bank simply refused to accept the posted nature of the check and release the funds. Once you put a stop order, Peoples will have no decision left and the issue will disappear. Frankly, we can not wait and talk any more. I need to get bills paid and the funds must become available again. What is making it harder is that our bank in XXXX XXXX is struggling to get its operations functional again. We do not need this now! '' -- XXXX could not put a stop order on a check which has already cleared and posted, absent fraud. Thus, only answer i can come up with to free the suspended funds at this point is contained in the following email sent to Peoples an hour ago : \" Topic : Other XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Evening XXXX Daytime XXXX Message : We are having problems with this account. A deposit of {$2500.00} is being held after being posted by the payor bank. The payor bank has called Peoples and informed them that the funds are cleared and there is no risk. Nevertheless, Peoples wants to keep a hold on the funds until XXXX/XXXX/XXXX. This is unacceptable. I am a bank regulatory attorney and this is a new one for the books. We need the funds returned to our XXXX account or cleared tonight. The hold is placing us in a dangerous position. \n\nAs a quick solution, i had my associate research. She recommends the account be closed. This will force the suspended funds to be returned to the payor bank. A check for the balance in the account XXXX {$2200.00} XXXX can be prepared and ready for pick up at the XXXX branch tomorrow. XXXX clear the deposit or close the account by end of business today and return the \" suspended '' funds and prepare a bank check for the balance. \n\nWe are out of options. '' -- There is something inexplicable with this bank and we try to use it as a convenience. But, this time, things are out of control.","date_sent_to_company":"2017-09-26T21:27:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10011","tags":null,"has_narrative":true,"complaint_id":"2685406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION","date_received":"2017-09-26T20:52:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["However, Peoples takes this perception problem to a <em>level</em> that <em>even</em> I <em>could</em> not <em>defend</em>. ( a ) if XXXX pays the check, Peoples is not permitted to inquire as to whether XXXX paid the check on an overdraft exception basis or for any other reason as long as the funds are properly transferred ; they either clear it under the Reg CC time periods, or not. XXXX b ) If peoples suspects some foul play, they XXXX hold the check but need to explain why. \n\nXXXX is doing neither."]},"sort":[14.762531,"2685406"]},{"_index":"complaint-public-v1","_id":"4506416","_score":14.022394,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I XXXX XXXX have had a loan from contental credit for 2 years in order to build my credit score which has proven in its self a challenge. XX/XX/2021 I was told that if I paid on time that on XX/XX/2021 I would be allowed to take the maximum loan I could by re-newing my loan which was XXXX XXXX I was told this twice on XX/XX/2021 and later in the month when I called to confirm the loan was XXXX $ the woman who answered called back to XXXX the higher up loan officer who with her own words claimed yes his loan amount for renewal was XXXX. On XX/XX/2021 I called and spoke to XXXX who replied no I can not approve this loan ( REASONS ) her first remark was I don't want my BOSS to see that I raised you up 5 tiers. Now I don't know what a tier is or why it would matter I want to know why I was scammed and lied to even though I do always pay my payments on time minse the one time I was crippled and could not leave my bed and had also lost my debit card. But I paid the loan in person while in searing pain I brought them the money I owed and I was scammed and lied to!!!! Why? \n( SECOND REASON ) your XXXX and I can not loan you over a certain amount. Talk about blatantly discriminating your are XXXX so your capped at this level. That was a cruel and no dought about it illegal way to say you XXXX are a poor person and we will not give you this money. But in america the down trodden stay down trodden and companies such as this see to it .... I do not care who this offends It wrong that a company will lie to a customer that is a good customer and dose their part of the contract made. Why then am I left empty handed and have to defend myself when I'm innocent but was wronged ... this happens all to often to people In my situation we are stepped on and treated like less than. It is not right.","date_sent_to_company":"2021-07-01T07:19:23.000Z","issue":"Was approved for a loan, but didn't receive the money","sub_product":"Payday loan","zip_code":"74801","tags":null,"has_narrative":true,"complaint_id":"4506416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SECURITY FINANCE CORP","date_received":"2021-07-01T02:27:16.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Now I don't know what a tier is or why it would matter I want to know why I was scammed and lied to <em>even</em> though I do always pay my payments on time minse the one time I was crippled and <em>could</em> not leave my bed and had also lost my debit card. But I paid the loan in person while in searing pain I brought them the money I owed and I was scammed and lied to!!!! Why? \n( SECOND REASON ) your XXXX and I can not loan you over a certain amount."]},"sort":[14.022394,"4506416"]},{"_index":"complaint-public-v1","_id":"4491121","_score":13.824905,"_source":{"product":"Checking or savings account","complaint_what_happened":"Citizens Bank levied 3 overdraft fees against my checking account on XX/XX/2021 ; they were {$37.00} each, for a total of {$110.00}. \n\nMy actual balance, in terms of completed/posted transactions, was NEVER negative ( until the fees themselves, of course ). The eNotice for the overdraft lays out the rational, and it comes to the conclusion that I overdrafted because of temporary authorizations. Technically other transactions are accused of being the overdrafted ones, but again, the posted balance was never negative, so the 'negative ' temporary balance was calculated by including these temporary authorizations. These temporary authorizations never completed - they completely dropped off ( 1 business day later, conveniently .... for the bank, that is ... ) ). I knew they would drop off because I had not authorized any such payments to be made. If they HAD completed, I would have demanded a refund because, again, I had not authorized any payments to be made. \n\nI called and explained the situation, and the first low-level rep I spoke with was understanding but unable to help me because of the system. I asked to be escalated to a supervisor, who also could not help me ; he was not sympathetic and defended this practice of the bank. \n\nEvery level of the system is set up to incur the maximum number of overdraft fees. There are multiple issues outside the scope of this particular case - the way the bank cynically re-sorts transactions in order to maximize the number of discrete transactions it can accuse you of 'overdrafting ' on, the disparate ways incoming and outgoing transactions are handled, etc. \n\nBut most relevant to this specific case is the absurd way pending transactions are handled. I am not in control of pending transactions - various merchants are authorization-happy and make ridiculous authorization checks whenever they feel like. I have no insight into when such an authorization check will be made, nor can I cancel an authorization once it has been made. I can't even see what date it will expire on! The particular authorizations in this case were made on XX/XX/XXXX and somehow lasted until XX/XX/XXXX! I don't think even the merchant can be blamed for that length of time ; that is the fault of Citizens Bank. So the bank gets to say that temporary authorizations count against my balance, and the bank gets to determine how long the temporary authorizations last ( and keep this information secret ), and the bank gets to charge me overdraft fees on the basis of how they've secretly determined temporary authorizations work? I understand the first part - you can't allow infinite temporary authorizations because of the obvious potential for problems. But the latter two are completely unfair to the consumer. You can't even plan without information on when temporary authorizations will drop off, and I can't see any scenario in which uncompleted authorizations should participate in triggering an overdraft fee. If they complete and cause a negative balance, THAT is when you've overdrafted. Not when an imaginary number that has little correlation with what money is actually coming into or leaving your account is transiently negative, an imaginary number that the bank has full control over and demonstrably applies cynical algorithms to in order to maximize the number of fees they can extort from the financially struggling.","date_sent_to_company":"2021-06-25T05:49:16.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"4491121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2021-06-25T01:08:28.000Z","state":"PA","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I called and explained the situation, and the first low-<em>level</em> rep I spoke with was understanding but unable to help me because of the system. I asked to be escalated to a supervisor, who also <em>could</em> not help me ; he was not sympathetic and <em>defended</em> this practice of the bank. \n\nEvery <em>level</em> of the system is set up to incur the maximum number of overdraft fees."]},"sort":[13.824905,"4491121"]},{"_index":"complaint-public-v1","_id":"8196641","_score":13.259262,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XXXX my vehicle was repossessed after marital issues and non payment. The debt was incurred by me in the divorce decree and I never received any notice of deficiency. In XXXX, Wells Fargo report a 1099-C to the IRS and I unknowingly did not report this as as income. The deficiency is for over {$9200.00} dollars and had huge tax ramifications at federal and state levels with penalty and fees the unpaid taxes are now toppling XXXX XXXX dollars. I was never notified about the deficiency and given an opportunity to challenge the outrageous deficiency for a used SUV at the time. These were high demand vehicles and the sale price was 40 % less the market. Wells Fargo was terrible to deal with and I had always contested that they weren't legally with in their means to repossess the vehicle at the time. I reached out to them to about the CFPB ruling and some relief in regards to what everyone agreed was outrageous behavior to consumers. The representative basically belittled me to being a XXXX and couldn't beleive I was asking for them to address a contractual agreement from years ago after knowing that I was unable to make the payments. Wells Fargo the sent letters of notification of unpaid balances, these were construed over 6 months and were utilized as legal notification even the the balance was repaid during the period. which should have directed them to again give notice and my right to cure. they did not and there is no record of the letter I wrote asking for this to be performed in a civil court matter before the car could be repossessed in Wisconsin. This bungled my balance and the late fees incurred. After multiple attempts to recoup the vehicle, all communications went dark until XXXX exactly 4 years later, when they unbeknownst to me defined the deficiency to the IRS. All this said, Wells Fargo representatives knew they were braking the law and utilized deterrence and legal rambling while screwing over the little guy who had no means to address these practices within our legal system. Almost 15 years after one of the worst purchases of my life, I am continuing to suffer financial damage from this bank and now the IRS, and the XXXX XXXX XXXX XXXX. I am thinking after all the penalties and interest, I have probably paid for XXXX vehicles. For any goverment agency to defend Wells Fargo business practices over tax payers is mind-boggling. Please tell me how to defend the XXXX class citizens from this irrefutable corporate greed and it's perpetual financial demise of our citizens. All 1099-C that Wells Fargo should be reviewed for correctness and the resubmitted to the IRS, the CFPB should also charge Wells Fargo for any of the penalties it leveraged over taxpayers knowing the bungled accounting and procedural deficiency Wells Fargo has admitted to. XXXX XXXX affect that this purchase has had on me financially will never be recovered. All while they continue to blur the legal lines of contractual law. I would love to paint this picture of my demise to any regulatory board all while these banks make record profits and are bailed out as to big to fail. My current balance of legal debt because of this illegal 1099 and the state and federal fees I over XXXXXXXX XXXX even after a bankruptcy to try and eliminate the liability. For WF representatives to talk to anyone like they did to me, after all they have done shows the complete lack of remorse and quite literally laughing all the way to the bank when addressing the CFPB requests for relief.","date_sent_to_company":"2024-01-21T20:58:31.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"535XX","tags":null,"has_narrative":true,"complaint_id":"8196641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-21T19:41:34.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["For any goverment agency to <em>defend</em> Wells Fargo business practices over tax payers is mind-boggling. Please tell me how to <em>defend</em> the XXXX class citizens from this irrefutable corporate greed and it's perpetual financial demise of our citizens."]},"sort":[13.259262,"8196641"]},{"_index":"complaint-public-v1","_id":"22571331","_score":12.722853,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this as a new complaint because Synchrony Banks response to CFPB Case XXXX did not resolve the underlying issue and instead relied on a vague internal fraud strategy explanation while leaving the account unusable for eligible retail purchases. \n\nBeginning in early XX/XX/year>, I attempted to use my newly approved and fraud-verified CareCredit card at XXXX and XXXX for eligible health and personal-care items, including XXXX XXXX shakes shelved in the OTC/pharmacy section and hand soap. Every transaction was declined, even though XXXX and XXXX are described by CareCredit as accepting the card for eligible items. \n\nI completed XXXX highest level of fraud verification, including identity-verification steps requested by the company. After that process, XXXX fraud department advised me that the account was verified and good to go. Even after that clearance, the next attempted transaction was still declined. \n\nOn XX/XX/year>, while standing at XXXX checkout, I spent about XXXX minutes on the phone with CareCredit and spoke with XXXX different representatives. During that call, an account XXXX stated they had been told that cards must be used at a provider before retail purchases can be made. No one could point to any written term in the cardholder agreement disclosing such a requirement. \n\nCareCredit then sent a replacement card, implying the problem might be the physical card itself. On XX/XX/year>, after receiving that replacement card, I attempted to purchase a bottle of hand soap for about {$3.00} at XXXX. The transaction was declined again. \n\nOn XX/XX/year>, Synchrony responded to my prior CFPB complaint and stated that the transactions on XX/XX/year>, and XX/XX/year>, were denied due to its internal fraud strategy. In that response, Synchrony also cited the cardholder agreement language stating that purchases may be made from dealers, providers, and retailers that accept the card, and that the bank may limit the number or dollar amount of purchases and may decline any particular charge on the account for any reason. \n\nOn XX/XX/year>, at XXXX a.m. XXXX, I again attempted to purchase hand soap at XXXX in XXXX, Oregon, and the card was declined again. This was another low-dollar attempt for an eligible personal-care item at a retailer Synchrony says accepts CareCredit. \n\nXXXX explanation remains inadequate. XXXX, the fraud rationale does not make sense because I had already passed the highest level of fraud verification and was affirmatively told the account was cleared. XXXX, the dollar-amount limitation language does not plausibly apply to repeated attempts to buy a single bottle of hand soap for about {$3.00}. Third, the company still has never identified any written provider-first requirement in the cardholder agreement. \n\nBased on the companys own statements and the repeated retail declines, the most reasonable conclusion is that Synchrony is using the broad may decline any particular charge for any reason language as a hidden operational restriction while its representatives verbally communicate a provider-first rule that is not disclosed in the agreement. In other words, the company appears to be enforcing an undisclosed policy while refusing to acknowledge it in writing. \n\nThis practice is unfair and deceptive. The account was approved, verified, and represented as usable, yet it has never successfully processed even a small eligible purchase at XXXX or XXXX. The account has never accrued interest and has never had a late payment because the card has never worked. That is not a functioning revolving account as represented. \n\nI also want to note that this pattern of unexplained denials, circular escalation, non-answers, and after-the-fact reliance on vague fraud language is behavior more typical of a subprime lender managing a suspect account than of a lender dealing with a prime consumer profile. I no longer need or desire to tolerate an unusable tradeline created through a XXXX  inquiry and then defended with boilerplate.","date_sent_to_company":"2026-05-26T15:04:59.000Z","issue":"Trouble using your card","sub_product":"Store credit card","zip_code":"84119","tags":null,"has_narrative":true,"complaint_id":"22571331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-05-26T14:48:52.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Every transaction was declined, <em>even</em> though XXXX and XXXX are described by CareCredit as accepting the card for eligible items. \n\nI completed XXXX highest <em>level</em> of fraud verification, including identity-verification steps requested by the company. After that process, XXXX fraud department advised me that the account was verified and good to go. <em>Even</em> after that clearance, the next attempted transaction was still declined."]},"sort":[12.722853,"22571331"]},{"_index":"complaint-public-v1","_id":"3268014","_score":11.337746,"_source":{"product":"Checking or savings account","complaint_what_happened":"I write to allege that USBank is engaged in deceptive business practices with respect to opening consumer, business checking accounts, and XXXX accounts. \n\nI am a practicing attorney in XXXX. My law firm, XXXX XXXX XXXX XXXX ( XXXX ), previously held an Operational Account and an XXXX account, at USBank. \nXXXX practices in the area of recreational cannabis compliance. Specifically, we most commonly defend licensees from administrative actions initiated by various regulatory authorities, and advise licensees on regulatory compliance in efforts to minimize the likelihood of negative enforcement actions. \n\nXXXX was formed in XXXX of XXXX, and cannabis has been the firms practice area through this entire period, up until and as of this filing. \nI opened up a business checking account with USBank in XXXX. At that time, I disclosed the information, essentially, as contained in the preceding paragraph, including the disclosure of our involvement in cannabis. \n\nFurther, in XX/XX/XXXX, my partner, XXXX XXXX, joined XXXX and was added to the business checking account. We visited the branch located at the address I indicated on the complaint. Once again, we disclosed our practice area revolved around cannabis, and again, the account was updated without issue. \n\nSometime in XXXX of XXXX, XXXX XXXX visited the USBank branch to make either a deposit or a withdrawal from our firms XXXX account. At this time, Ms. XXXX was not a signor on the XXXX account. Apparently, USBank would not conduct the transaction unless Ms. XXXX agreed to add herself to the XXXX account that is in XXXX Law Groups name. Ms. XXXX acquiesced and the banker, XXXX XXXX, proceeded to add her to the account without notifying me. In so doing, he then asked her what about our specific practice area. \n\nUp to this point, aside from account opening, and adding Ms. XXXX to the account, I had visited USBank or had contact with USBank on approximately ( at least ) 25 different occasions at no less than five branches throughout the XXXX area. These contacts ranged in purpose from simple, counter transactions, to applying for a home mortgage, and providing follow up documentation. Relatedly, I also refinanced my home with USBank. \n\nAt every one of these occasions of contact I disclosed the precise nature of my firms practice area, which is to say, that XXXX represents cannabis licensees. At no time during over two dozen points of contact, every one of which included disclosure from me regarding XXXX practice area, did any banker, teller, or other personnel raise any issues with it. \n\nHowever, as a result of XXXX XX/XX/XXXX visit, XXXX XXXX updated, in my view improperly and perhaps unlawfully, our USBank account profile, flagging it for review due to our representation of cannabis licensees. We subsequently learned the account would be frozen, but managed to close the account before any funds were withheld. \nI have taken this issue up with every level of management to which I can contact. These include the branch assistant manager, as well as the district manager. Today, XX/XX/XXXX, I received a call from XXXX XXXX, who calls himself the Regional President. Prior to this call, I asked, essentially, two questions, which Ive reproduced below with his explanations. \n\n1. How could USBank possibly justify adding someone to a trust account without the original signors express authorization or even knowledge? \n\nXXXX XXXX claims that it was proper to add XXXX as a signor to the XXXX XXXX account without the original signors permission. For clarity, while Ms. XXXX was added to the operational account in XXXX of XXXX, she had not been added to the XXXX account before her XX/XX/XXXX visit. \n\nHere, Mr. XXXX position was that because XXXX was listed as a governor on the Secretary of State website, then she was properly added to the trust account. \nMr. XXXX explanation, if true, demonstrates USBank is not treating XXXX  accounts with the proper amount of care required by its agreement with XXXX. Such account maintenance practices are reckless, because the Secretary of State information page can be updated by literally anyone without any ID or other verification requirements. Thus, one could improperly add their name to an entity, and then, according to USBanks policies, be added to the trust account. It would be shocking to learn that this lax standard of care conformed with XXXX requirements. \n\nMr. XXXX told me he had run this issue by USBanks legal team and the feeling was that they were probably in compliance with the state bar. \nIn sum, Mr. XXXX has stated that the USBank branches in his region will not change policy based on these feelings though to be quite clear, Mr. XXXX offered absolutely no legal or even policy support for these feelings. \nSecondly, I asked USBANK 2. If Mr. XXXX acted appropriately ( as theyve repeatedly maintained ) How could it be that no banker ever raised this issue previously? \nUSBank personnel has assiduously lined up behind the conduct of XXXX XXXX. Prior to my call today, I expected Mr. XXXX to tell me that, in essence, Mr. XXXX had essentially misunderstood our line of work, and mistakenly flagged our account, thus this was a regrettable, technical mistake, and nothing more. \nThis expectation was built upon the fact that, on or about XX/XX/XXXX, we learned our account was being closed, and during this business crises the assistant manager willingly and immediately unflagged our account and took every step necessary to ensure our banking relationship would continue. In other words, in the immediate aftermath of the consequences of Mr. XXXX actions, USBank was quick to acknowledge the issue. Indeed, the branch even disbursed the funds in our account without issue, thus apparently involving itself further in a deeply problematic area. However, in the days that followed, management began to close ranks around this issue, and Mr. XXXX conduct. \n\nSpecifically, Mr. XXXX sought information regarding our firms practice area in the guise of a friendly conversation. He never disclosed that the purpose for the conversation was to update our profile, and never disclosed it could result in account closure. \n\nAdditionally, to reiterate, our firms limited, and lawful, connection to cannabis licensees was freely volunteered on over two dozen occasions to various USBank personnel without a single instance of said personnel raising this issue, or apparently flagging our account. \n\nI raised this topic, the fact that other personnel had not disclosed our firms connection to cannabis as an issue, with Mr. XXXX via an email to him on XX/XX/XXXX. However, during our call today, he falsely claimed this was new information, and that he would have to follow up. In reality, since we first became aware of the account closure, I have alerted every manager to whom I have spoken to the fact that dozens of its personnel were given this information previously and yet took no action. Yet, every manager,  including Mr. XXXX, has treated this as new information. \n\nNonetheless, Mr. XXXX made clear, at least, that he had not looked into it. Thus, because he did look into other aspects of my complaint contained in my email to him and about which he presumably felt on firmer footing, I am left to conclude he intentionally failed to seek information on this subject. \n\nIn sum, in addition to mishandling XXXX accounts, USBank is engaged in deceptive behavior with respect to how it treats business accounts. First, it intentionally disguises questions intended for regulatory compliance, and, if these questions are conditional to continuing account relationships, it similarly fails to disclose such condition. \n\nRegarding the next part of my complaint, to be clear, the heart of my complaint is not that USBank takes issue with our firms connection to cannabis. Mr. XXXX seemed keen, if not desperate, to reiterate this same point ad nauseum. However, my complaint, as I repeatedly told him, is that USBank intentionally failed to disclose this fact to me for over four years. \n\nUSBank either acted deceptively in failing to alert me to the fact that my account could be subject to review, or alternatively, deceptively took action against my account in flagging it, when a law firm is not the sort of business intended to be covered by its cannabis banking policies. In other words, if Mr. XXXX is correct in defending Mr. XXXX, then his entire region, and the region for which he is responsible, is engaged in a pattern of behavior contrary to this stated policy, and is doing so deceptively, and causing damage to consumers such as myself, and my firm, in the process. \n\nTo be clear, Mr. XXXX defended XXXX XXXX, but failed to defend his regions failure to notify us of this issue during the dozens of prior contacts with USBank that occurred before Mr. XXXX added someone to a trust account without the signors permission, and flagged our account in the process. \n\nFinally, Mr. XXXX doubted that we had properly disclosed our practice area. Therefore, I am prepared to provide a list of individuals to whom either XXXX or myself, or both told this information. Most notably, this list will likely include XXXX XXXX, who our records indicate added XXXX to our account in XXXX, two years before using the same information to flag the same account.","date_sent_to_company":"2019-06-12T16:20:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"981XX","tags":null,"has_narrative":true,"complaint_id":"3268014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-06-07T22:41:38.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["USBank either acted deceptively in failing to alert me to the fact that my account <em>could</em> be subject to review, or alternatively, deceptively took action against my account in flagging it, when a law firm is not the sort of business intended to be covered by its cannabis banking policies. In other words, if Mr. XXXX is correct in <em>defending</em> Mr."]},"sort":[11.337746,"3268014"]},{"_index":"complaint-public-v1","_id":"2103279","_score":11.226299,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX Bank in XXXX Virginia, sold my HELOC to Branch Banking and Trust. The original agreement ended in XXXX. It was a 10 year agreement. XXXX extended the agreement but now states it was not extended. I have no straight answer from them. They just foreclosed. Their own law firm, XXXX and XXXX sent me written material from XXXX Va, stating my loan could be reinstated if I simply made it current. I told them, it was current at that moment. The foreclosure started in late XXXX. I had to scramble to find a lender. BBT, I believe, improperly reported my XXXX score. The damage was so great, I could not get any conventional financing. I had to borrow from hard money lenders to save the house, repair it and sell it. There was no way at this level of damage to me, I was going to be able to keep it. My equity, built up over 29 years, was wiped out from this. BBT called me thousands of times. I have hired a TCPA Law Firm and they are complaining about this fact in XXXX XXXX. The reason I know my FICO was improperly reported is, when BBT took over the note I owed around XXXX. When they foreclosed, I owed XXXX. They managed to collect XXXX or more payments from me that in truth, I did not owe. That means at least XXXX solicitations for payment were made at a time when I WAS CURRENT! They would receive the extra payment and apply it to principle, without my consent. This happened during a XXXX scenario. I had to take work out of town in remote areas.I was not always able to get on the internet and look. Additionally, if solicited for a payment, I would drive to the nearest BBT to make the payment, trusting what they said. If I asked a BBT teller for any help on my HELOC, they would embarrass me by telling me for some reason, my account was unusual and they had to make phone calls to answer any question about my HELOC. They confessed the XXXX Bank computer system was old and not unified with the BBT computer system, a fact that caused much of the difficulty. In XXXX BBT offered me a hardship discount. The name of the employee was XXXX XXXX. I explained to XXXX, my credit score would in no way allow me to borrow from someone else. That alone acted as an impediment. XXXX simply increased the hardship discount while I told him, he could make it 90 % off, it would not let me get a new loan. The credit score was damaged. I felt it was not right. No one at BBT ever lifted a finger to help, however, I hired \" Yourcreditattorney '' on line and I believe they got the bank to change my XXXX score XXXX or XXXX hits, not the XXXX hits they caused. A damaged XXXX guarantees you will not get conventional finance. BBT knew I could not get financing. They foreclosed anyway. No words can describe what XXXX then feels owing an ex spouse from the house sale and a house not ready for sale being pulled out from under you. They charged XXXX for an appraisal. The appraiser did not even come into the house. The auctioneer stated the house starting price would be about half what I owed. ( I went to the auction to learn what I could and to make sure they did not proceed as I had paid it off the day before ) So they would discount to anyone else in the world, but not to me. That appears to be some form of prejudicial motive. My contact with BBT ended up with XXXX XXXX. XXXX defended the lack of any hardship discount by stating I should have taken the one they offered. I asked if it was a government program. She said no, it was a business decision. This is documented in my emails. I reached back to XXXX XXXX and asked him. He said it was a federal government backed program. I checked with a lawyer, filed a motion with XXXX XXXX for reconsideration. She simply ignored me. BBT refused to answer anything. When I went to settle on the hard money loan, BBT had XXXX illegal very old liens on my house.","date_sent_to_company":"2016-09-14T14:29:37.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Other mortgage","zip_code":"34786","tags":null,"has_narrative":true,"complaint_id":"2103279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BB&T CORPORATION","date_received":"2016-09-09T13:49:58.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The appraiser did not <em>even</em> come into the house. The auctioneer stated the house starting price would be about half what I owed. ( I went to the auction to learn what I <em>could</em> and to make sure they did not proceed as I had paid it off the day before ) So they would discount to anyone else in the world, but not to me. That appears to be some form of prejudicial motive. My contact with BBT ended up with XXXX XXXX."]},"sort":[11.226299,"2103279"]},{"_index":"complaint-public-v1","_id":"3501107","_score":11.024777,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2020at approximately XXXX XX/XX/XXXX I entered Bank of America branch located on XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX, VA XXXX. The purpose was to cash a payroll check from my place of work which is an XX/XX/XXXX in Washington DC. Bank of America has the account with the XX/XX/XXXX ( country ) so the check is their 's. I do not personally bank there. The check was for {$3800.00} ( I am off the exact amount by a few cents or dollars and the XXXX is closed while I write this so I am unable to obtain the precise amount ) I am an American citizen born in XXXX XXXX, MO, and I have been cashing my payroll checks, from time to time, issued always from BoA, for approximately 6 years : 4 years when I worked for the same country while at their XX/XX/XXXX in XXXX, 2 years since I've been at the DC XXXX. BoA has been behaving quite disagreeable with me for the last two years while here in XX/XX/DMV. They always ask me in some variation to open an account with them, and I always decline. \n\nToday, I declined but also added that while all the national banks of the US were \" bad '', BoA is on of the worst offenders so no, I do not wish to bank with them. After several minutes of waiting, the teller brought the assistant manager over and stated to me they could not cash their own check because they could not \" verify it ''. Yes, they told me their own check, issued from an XX/XX/XXXX, was not verifiable. \n\nAgitated, I left and went to their branch on XXXX XXXX XXXX, XXXX, VA XXXX. During the cashing process I gave them my XXXX  State ID and they asked for a second form. I responded that for many years I had used my US Passport and they always lectured me that I needed a state ID. Now I give them a state ID and they want a second form?! When did this become policy? The teller dropped the issue with no explanation. She put my cash through the automatic counting machine. When the machine finished she asked rudely \" can you see the screen 's final tally? \". The machine was behind her chair and the screen is small. I replied to her \" I can not read that without my glasses so no, I can not see that ''. She ignored my response and dropped the cash in front of me. I asked for a receipt and she stated \" we do not give receipts for cashing checks ''. It was roughly XXXX and I wanted to go back to the XXXX XXXX branch and speak to them before it closed and the weekend put distance to all of this. I left quickly without counting. \n\nI then immediately returned to the XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX, VA XXXX and spoke with their branch manager. I explained what had happened and the arbitrary nature of this was serious and \" not a joke ''. She asked me to wait so she could see into what took place. After about 45 seconds - obviously she did not look into this on behalf of my complaint, but on verifying my actions so as to censure me more - she returned and stated that the XXXX XXXX branch \" violated procedure '' ; they are not allowed to cash my their/my check and the implication being I have alerted them to not cashing their/my check anywhere, anymore. She also stated that I ( like every customer of a national bank ) am not allowed to know their policies nor why. \n\nI replied I thought she would use my complaint as an opportunity to penalize me further and that I would be contacting the XXXX  Attorney General 's office. I explained to her that this constant secrecy on their part, with the unsaid implication of \" trade secrets '' or \" national security '', was obscene and that I represent millions of people who are powerless against them, daily. She smirked and we parted. \n\nI checked the Attorney General of XXXX  's website and learned they have no jurisdiction over banks and other financial institutions. In effect, I and every average American are living under the United Banks of America, and are at their mercy, moods and declarations at a brick and mortar level daily, regardless of what laws are established at the national level. By definition, national laws can not deal with daily interactions and none of us citizens will ever have the resources to combat nor defend ourselves against their colossal dominance. \n\n1. I want this looked into on my and every american 's behalf - though not cashing their own check is outrageous, please do not narrow the lens of your activity to me and their/my check being cashed, but the arbitrary nature of their actions at the teller level and the punitive nature it results to average people. \n\n2. When I produce a US passport, why are they asking me for state ID when they are exempt from states and commonwealth 's attorneys general jurisdiction ( maybe California and Texas etc are different due to their size? )?\n\n3. If I can not cash their check at their bank, how am I supposed to have any have currency? Though I have a bank account, what if I do not? Am I supposed to use draconian Checks Cashed as my banking system?\n\n4. Lastly, my final dollar amount was short by {$200.00} when I counted at home. I realize proving this is hopeless, but I do not even have a receipt. I should be issued a receipt from a bank when I request one, no matter the transaction.\n\nI thank you in advance for looking into this matter and am looking forward to hearing from you","date_sent_to_company":"2020-01-17T08:19:04.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"22041","tags":null,"has_narrative":true,"complaint_id":"3501107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-01-17T08:12:54.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In effect, I and every average American are living under the United Banks of America, and are at their mercy, moods and declarations at a brick and mortar <em>level</em> daily, regardless of what laws are established at the national <em>level</em>. By definition, national laws can not deal with daily interactions and none of us citizens will ever have the resources to combat nor <em>defend</em> ourselves against their colossal dominance. \n\n1."]},"sort":[11.024777,"3501107"]},{"_index":"complaint-public-v1","_id":"3264277","_score":10.980921,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX I signed up for credit repair services with Lexington Law. According to the internet, their offices are in XXXX XXXX XXXX, Utah. \n\nI paid Lexington Law, approx. {$520.00} over a four-month period, in automatic monthly credit card payments of {$120.00}. Instead them cleaning up my credit, they basically file a bunch of useless challenges that they knew would fail anyway. They used these useless challenges as busy work to justify charging {$120.00} on my credit card each month. With each call from me complaining about the lack of progress, the Paralegal would promise yet another challenge. \n\nIn the past, I have always avoided using XXXX I always thought that they were a bunch of fast-money scammers. I chose Lexington Law because they are supposed to be representatives of the law. As such, I thought they would act as a fiduciary. In previous years when I sought their help, they did act in this manner. But the new Lexington Law behave more like the internet scammers. You can read the details of my experience in the email I wrote to Lexington Law that follows : Email That I wrote to Lexington Law Service Level : Premier Plus : Client ID : XXXX XX/XX/2019 I am asking that you cancel my account immediately. I am also requesting a full refund for the following dates : XXXX XXXX {$120.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$120.00} I am requesting these refunds because your phone reps deceived me. They said that you could clean up my credit report by filing challenges, even though your reps know that challenges only work if the record is untrue or incorrect. I told them that XXXX and XXXX were true. I told you that only the XXXX XXXX XXXX was untrue because I have never had an account with XXXX XXXX XXXX. When I signed up in XX/XX/2019, I had 3 charge offs that I wanted removed : XXXX XXXX Visa, XXXX XXXX Card, and XXXX XXXX XXXX I told your reps that I was willing to settle with XXXX and XXXX, but I was concerned that they would just take my money and not keep their word. So, I asked your reps to call them. They said that Lexington  law does not do that. And I specifically remember asking, am I wasting my money then? I was assured by your reps that challenges were an effective tool, even when everything is true because the creditors get tire of having to defend the negative report. \n\nWell, I now understand that the true purpose of the endless challenges is to give the client false hope, so that the monthly subscription fees keep coming in. After 4 1/2 months and {$520.00}, only one late payment has been removed from one credit report. All 3 of the charge-offs remain. They knew they could not help me from the start, but if they had admitted it, I would not have signed the contract. \n\nOn about XX/XX/XXXX, I called to complain that no progress had been made. The Lexington rep talked about a doing something called an Escalation Challenge. Apparently, they send a notarized letter to the creditor. They said they that the letters would arrive in the mail. As of today, XX/XX/XXXX, the paperwork never arrived. So, guess it was just another ploy to keep the monthly subscription fees rolling in. \n\nFour years ago, Lexington Law did great credit repair work at reasonable prices. When I first heard about them, they charged about {$29.00} per month, and they did everything. They took my credit score from sub 500 to above 700. This is the reason I re-signed with them. Even though the subscription fee was now {$120.00} per month, if they could get results, it would be worth it. Now they are very different. They only offer superficial services now. And they will not call the creditor. I am still trying to figure out what changed. perhaps they are under new management. \n\nThe new Lexington Law only seem to care about subscription fees now. And that would be ok if they called the creditor and got results, but that is not what they do. The new Lexington Law is very lazy!!! For this reason, I deserve a full refund of {$520.00}. I feel like I got scammed.","date_sent_to_company":"2019-06-04T22:39:44.000Z","issue":"Fraud or scam","sub_product":"Credit repair services","zip_code":"84054","tags":null,"has_narrative":true,"complaint_id":"3264277","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"John C. Heath, Attorney at Law, PLLC","date_received":"2019-06-04T22:12:11.000Z","state":"UT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They said that you <em>could</em> clean up my credit report by filing challenges, <em>even</em> though your reps know that challenges only work if the record is untrue or incorrect. I told them that XXXX and XXXX were true. I told you that only the XXXX XXXX XXXX was untrue because I have never had an account with XXXX XXXX XXXX."]},"sort":[10.980921,"3264277"]},{"_index":"complaint-public-v1","_id":"2479199","_score":10.529357,"_source":{"product":"Debt collection","complaint_what_happened":"In  2011   ,  XXXX   XXXX , a division of  XXXX  , w on a court judgement (  XXXX  ) against me,  XXXX   XXXX , by default on a credit card account with  GE Money. I did  not find out about the case, nor did I have an opportunity to defend myself. The judgement did follow months of disputing the account and balances - a right afforded me under FCRA.     During months of harassment and threats which even included the threat of imprisonment, I disputed the validity of the account, the age of the account, the balances, including computed interest, penalties, late fees and the rate of interest - on numerous occasions with the lender prior to the sale of the account and during pre-judgement collections after the credit card account was purchased by  XXXX .     In spite of my declarations, and the disregard of my prior requests for proof of the account and documentary support as to the collection account balances,  XXXX   XXXX  told me by phone that under FDCPA, I alone had the burden of proving that I did not owe the debt and the balances, while threatening legal action. They asked me to settle {$8000.00} or risk a lawsuit or imprisonment.     Notwithstanding,  XXXX  never produced me a full account validation or a copy of my signed card agreement. Instead they went ahead and filed a legal claim to the Court of  XXXX   XXXX , CA.  XXXX  and then proceeded to submit to the  Court  several documents containing false statements, including but not limited to an affidavit falsely stating that they were not aware of any disputes and that I essentially agreed to the account balances simply because I had accepted billing statements and provided no to those statements previously to the lender during the course of having the card. All of which I believe violates my rights and unjustly diminished my rights of defense.     Unfortunately, I had defaulted on the court judgement because I did not personally receive the summons and was aware of the date of the hearings. I was also unfamiliar with the rules of the court and had limited due process. Had I been able to attend the court hearings I would have made it clear that  XXXX  never met its obligation to me under FCRA. It is my conclusion as the relevant court documents, that  XXXX  secured a default judgement against me solely by only using an affidavit ( as is the case of thousands of other cases by which  XXXX  secured liens through default judgements ) without any original-level account statements, and that the affidavit submitted had false statements.     In effect   XXXX  , as with tens of thousands of other judgments against consumers, submitted a sworn affidavit representing that I did not file a timely written dispute and that my account and the stated amounts was therefore \" valid. '' Further,  XXXX  's own counsel submitted an affidavit in which he misrepresented that he had personal knowledge of facts contained in affidavits, including that he knew for a fact that I owed the claimed debt and that he himself could appear as a witness to attest to those facts - all when neither the lawyer nor  XXXX  could answer my dispute, provide account documentation, attest to my signing the credit agreement or truthfully claim that I had agreed ( non-disputed ) to the validity of the debt, amount, rate, etc..     It is my belief that my case falls squarely in the category of the many other cases that were misappropriated and mishandled by  XXXX   XXXX , in the same unjust manner highlighted in the CFPB 's damning findings and its consent decree. I have called  XXXX   XXXX  and its legal office in  XXXX   XXXX  numerous times, left messages, and have not had any calls from any representative or paralegal from its legal department to address this matter.     Earlier today I called the CFPB to see how I can have my case reviewed, and I was told that  XXXX  was in effect self-policing itself and should have contacted me once my case review showed any violation covered by the consent decree. I have a feeling that my case is not a single discrepancy a nd may end up being part of a pattern of   XXXX   not fully   complying with the terms of the settlement with CFPB on the consent decree.     My request which has not been dealt with to date, is that my rights under FCRA be defended and that I have a full and thorough of my account, as to a determination of whether or not the account is invalid and/or has been misrepresented as well as the overall legal basis for  XXXX  's claim, the legitimacy of the affidavits be examined by the  CSFB  and by  XXXX   XXXX  - prior to my assuming the expense of an attorney.     As of date,  XXXX   XXXX  continues to call and has sent over since the default judgement was secured, numerous legal threats related to this account.     I have attached a copy of the summons retrieved from the  XXXX   County Court system.          Amount : {$11.00},  XXXX  Debtor :  XXXX   XXXX  Creditor :  XXXX   XXXX   XXXX  Date entered :  XXXX   XXXX , 2011  XXXX  :  XXXX   XXXX  :  XXXX   XXXX  of California Case No. :  XXXX  Recording Date :  XXXX   XXXX ,  2011  Recording No :  XXXX , of Official Records Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX","date_sent_to_company":"2017-05-09T04:00:34.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"92503","tags":null,"has_narrative":true,"complaint_id":"2479199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-05-09T00:00:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I did  not find out about the case, nor did I have an opportunity to <em>defend</em> myself. The judgement did follow months of disputing the account and balances - a right afforded me under FCRA."]},"sort":[10.529357,"2479199"]},{"_index":"complaint-public-v1","_id":"2479182","_score":10.529357,"_source":{"product":"Debt collection","complaint_what_happened":"In   XXXX  ,  Midland Funding, a divis ion of Encore, won a court judgement (  XXXX  ) against me,  XXXX   XXXX , by default on a credit card account with  XXXX   XXXX . I did not find out about the case, nor did I have an opportunity to defend myself. The judgement did follow months of disputing the account and balances - a right afforded me under FCRA.     During months of harassment and threats which even included the threat of imprisonment, I disputed the validity of the account, the age of the account, the balances, including computed interest, penalties, late fees and the rate of interest - on numerous occasions with the lender prior to the sale of the account and during pre-judgement collections after the credit card account was purchased by   Midland.\nIn spite of my declarations, and the disregard of my prior requests for proof of the account and documentary support as to the collection account balances, Midland Funding told me by phone that under FDCPA, I alone had the burden of pr  oving that I did not owe the debt and the balances, while threatening legal action. They asked me to settle {$8000.00} or risk a lawsuit or imprisonment.     Notwiths tanding, Midland ne ver produced me a full account validation or a copy of my signed card agreement. Instead they went ahead and filed a legal claim to the Court of  XXXX   XXXX , CA.  Midland a nd then proceeded to submit to the  Court  several documents containing false statements, including but not limited to an affidavit falsely stating that they were not aware of any disputes and that I essentially agreed to the account balances simply because I had accepted billing statements and provided no to those statements previously to the lender during the course of having the card. All of which I believe violates my rights and unjustly diminished my rights of defense.     Unfortunately, I had defaulted on the court judgement because I did not personally receive the summons and was aware of the date of the hearings. I was also unfamiliar with the rules of the court and had limited due process. Had I been able to attend the court hearings I would have made it clear  that Midland never met its obligation to me under FCRA. It is my conclusion as the relevant court documents, that Midland secured  a default judgement against me solely by only using an affidavit ( as is the case of thousands of other cases by which  Midland s ecured liens through default judgements ) without any original-level account statements, and that the affidavit submitted had false statements.     In effect MIdland, as with tens of thousands of other judgments against consumers, submitted a sworn affidavit representing that I did not file a timely written dispute and that my account and the stated amounts w as therefore \" valid. '' Further, Midland 's own counsel submitted an affidavit in which he misrepresented that he had perso nal knowledge of facts contained in affidavits, including that he knew for a fact that I owed the claimed debt and that he  himself could appear as a witness to attest to those facts - all when neither the lawyer nor Midland could answer my dispute, provide account documentation, attest to my signing the credit agreem ent or truthfully claim that I had agreed ( non-disputed ) to the validity of the debt, amount, rate, etc..     It is my belief that my case falls squarely in the category of the many other cases that were m isappropriated and mishandled by M  idland Funding, in the same unjust manner highlighted in the CFPB 's damning findings and its consent decree. I have called Midland Funding  and its legal office in  XXXX   XXXX  numerous times, left messages, and have not had any calls from any representative or paralegal from its legal department to address this matter.     Earlier today I called the CFPB to see how I can have my case reviewed, and I was told that Midland/Encore was in effect self-policing itself and should have contacted me once my case review showed any violation covered by the consent decree. I have a feeling that my case is not a single discrepancy a nd may  end up being part of a pattern of Midland/Encore not fully complying with the terms of the settlement with CFPB on the consent decree.     My request which has not been dealt with to date, is that my rights under FCRA be defended and that I have a full and thorough of my account, as to a determination of whether or not the account is invalid  and/or has been misrepresented as well as the overall legal basis for Midlan  XXXX  's claim, the legitimacy of the affidavits be examined by the  XXXX  and b y Midland Funding/.Encore - prior to my assuming the expense  of an attorney.     As o f date, Midland Funding continues to call and has sent over since the default judgement was se cured, numerous legal threats related to this account.     I have attached a copy of the summons retrieved from the  XXXX   County Court s ystem.         Amount : {$11.00},  XXXX  Debtor :  XXXX   XXXX  Creditor : Midland Funding LLC Date entered :   XXXX   XXXX   XXXX    County :    XXXX  Court :  Superior Court  of California Case No. :  XXXX  Recording Date :   XXXX   XXXX   XXXX     Recording No :  XXXX , of Official Records Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX","date_sent_to_company":"2017-05-09T00:00:31.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"92503","tags":null,"has_narrative":true,"complaint_id":"2479182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2017-05-08T20:57:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I did not find out about the case, nor did I have an opportunity to <em>defend</em> myself. The judgement did follow months of disputing the account and balances - a right afforded me under FCRA."]},"sort":[10.529357,"2479182"]},{"_index":"complaint-public-v1","_id":"6908910","_score":10.519524,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"So, this began in XXXX. I got an Apple Card as a back up. I maybe had XXXX dollars total charges on it the year and a half I had it before I stopped making payments from the ridiculous lack of any fraud protection and continuous fraudulent charges. For two years, I tried to get this resolved. I would always have to start over at stage one as Goldman Sachs would either not keep records, or when the person who could finally help me was to call me, they literally would not every single time, and Id finally get a call from someone who had apparently no idea of the 11-12 previous times at the end I had proven these charges fraudulent and awaited resolution. ONE TIME, they finally reversed all those charges. I happily paid. BUT THEN, despite these fraudulent charges coming from websites or states I had never visited, for example Goldman Sachs claimed my physical card was used in Texas while I was in Florida, and I would give them all the evidence, and eventually after the two hour grueling irritating runaround that they had set up as on the internet you can see this was clearly a business practice of theirs, theyd tell me theyd be able to help, and then either never return a call, have someone call without any idea of the past discussion and start over, or try to claim the charges were valid. As a soon to be lawyer at the time, in XXXX, I finally sent them the federal statute saying no one can be liable for more than {$50.00} in fraudulent charges. Told them I would report them. Then sue. Then I passed the bar and life got crazy. However, it just turned up again, as they know I dont owe the money hence why no collection is present, as when they tried to I put my foot down and explained how many fines and damages theyd be looking at if the forced me to sue, and that the tens of thousands of dollars theyd have to pay to defend compared to the hours of my life and court filing fees as they clearly were engaging in unlawful and deceptive business practices to avoid taking accountability that DESPITE REQUESTING THEY CHANGE MY CARD # THREE TIMES, THE REASON THE FRAUD PERSISTED WAS THEYD ONLY CHANGE THE PHYSICAL CARD #, AND I TOLD THEM EACH TIME CHANGE BOTH BUT THE DIGITAL NUMBER WAS COMPROMISED AND THEY EVEN PERMITTED FRAUDULENT CHARGES FROM VENDORS I HAD ALREADY SOMETIMES THREE TIMES PRIOR ALERTED THEM TO. Now, they have a status on my card as revoked. It doesnt look good to the bar, worst of all, it was not revoked. I paid as long as I could but finally when two years went by and I was paying off fraudulent charges and interest, I just couldnt and shouldnt and legally am not obligated to. They breached the contract, failed to provide fraud protection, failed to make proper good faith investigation into such, failed to provide any proof to their findings for either claiming the charges were valid, or when one time I finally thought I had at long last gotten justice, all charges were reversed, until two weeks later, somehow they magically became valid and were put back on. I am having my financial reputation, and my financial and credit score-based interests harmed by this practice that a simple XXXX search will show they have been deliberately doing and already sued over many times since before I even got my card. I kept telling them I want to pay what I owe but why would I pay statements that were, at the end 95-100 % principle and interest of fraud. I frankly wish to have an Apple Card again so I dont mind compromising but a compromise after all they put me through is paying the I believe {$500.00} left that are valid charges. Telling and demonstrative of their blatantly illegal and unlawful business practices is that magically a year ago they claimed I owed {$5700.00}, yet rather than increase it as would a legit debt, right now they say I owe {$3000.00} roughly, because just like the collection, they seem to be quite aware that they cant get away with everything but clearly are trying to manipulate and frustrate attempts to gain proper resolution in order to save a few dollars themselves despite contractually being obligated to have protected my information and indemnified or covered me for fraud charges, especially when three times I ask them to change the number and the say yes but dont change the compromised digital number. Anyway, the collection being dropped, the balance dropping, THE FACT THAT EVERY TIME I AM SUPPOSED TO FINALLY GET A CALL FROM SOMEONE WHO EVEN HAS THE AUTHORITY TO REMOVE THE CHARGES, as it takes three phone calls and the runaround to get even an appointment with them in disputing which is absurd, they NEVER CALL. And whenever I get a call, despite all calls being recorded and documented they claim, for some reason its another basic level customer representative without any idea of my situation that there must be 50-100 hours of recorded phone calls on and more notes. Eventually I had to give up trying it was wasting too much time, and am just reporting it now as frankly Ive been so busy it didnt come up till I was asked about a revoked credit card. That also is a violation of the Fair credit reporting act and fair financial reporting statutes. They are doing this to so many people I can not believe how many have had my experience, reading articles and peoples posts about it and XXXX  complaints, being successfully sued as I am about to possibly engage in again so many times and not even trying to defend it but settling for everything plaintiffs are asking for yet somehow someway the CFPB to my knowledge has not done anything. They need to be reminded of all the federal statutory considerations mentioned above and theyre need to adhere to their contractual obligations. It simply violates numerous consumer protection and fair credit reporting laws every day they continue to claim my card is revoked and I owe any more than {$500.00}, which frankly is more than I owe, but I simply want to get this nonsense over with and calling them is literally futile theyve designed their corporate runaround to ensure that. Please help me finally get this resolved because XXXX cant believe how many times I was supposed to get a call back from them to finalize it and did not. It is disgusting.","date_sent_to_company":"2023-04-30T14:30:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"040XX","tags":null,"has_narrative":true,"complaint_id":"6908910","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2023-04-30T14:03:33.000Z","state":"ME","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["They are doing this to so many people I can not believe how many have had my experience, reading articles and peoples posts about it and XXXX  complaints, being successfully sued as I am about to possibly engage in again so many times and not <em>even</em> trying to <em>defend</em> it but settling for everything plaintiffs are asking for yet somehow someway the CFPB to my knowledge has not done anything."]},"sort":[10.519524,"6908910"]},{"_index":"complaint-public-v1","_id":"3027571","_score":10.465912,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2018 First National Bank of Pennsylvania, using a common set of circumstances as a pretext, pilfered {$180.00} from my checking account. Thats the entire monthly transport budget for my daughters school, or eight meals for my family. \n\nThe bank, along with all of its industry competitors, does this to thousands of its customers in our state every year. A large proportion of its operating profits are now derived from such fees, despite numerous attempts by state and federal legislators to bring predatory and unethical retail banking practices under control. \n\nIt is certainly a familiar story to the CFPB. An unexpected charge was presented to the bank via ACH. That there were sufficient funds to cover the overdraft in another account in my name at the same bank, meaning there was no risk to FNB, did nothing to protect me. \n\nThe bank intentionally did not notify me of any problem, as it was not in its immediate pecuniary interest to do so, No call, no text, nor any attempt at communication. I therefore continued to use the account normally during the course of the day. Charges at local retailers were honored when there were insufficient funds in the account. FNB re-ordered the transaction sequence to maximize the imposition of fees. The distorted chronology can only be viewed internally, as the bank deliberately omits transaction times from the online statement available to consumers. \n\nOf course the retail charges should have been declined, thereby alerting me to the issue so I could immediately deposit funds. Thankfully, that they were not declined gives your office a clear opportunity to use its authority not only to achieve a measure of justice for me, but to defend banking consumers, as it is mandated to do. \n\nWhen I opened the account, I made absolutely plain that I do not want any overdraft protection service. The bank manager confirmed I would be opted out. But she lacked the internal authority to make the decision. FNB policy requires overdraft service for my account, in direct defiance of federal law, on the pretext that I have my Bed & Breakfast name on the account as well as my own.\n\nThats clearly illegal. FNB lacks the right to arrogate to itself an exception to the law, which was drafted with the explicit intention to protect individuals from exactly this sort of larcenous conduct, irrespective of whether they are self-employed. The practice could not possibly bear legal scrutiny. \n\nIt is not only consumers especially those on low or fixed incomes who are victimized. The bank instructs its employees to respond to affronted customers with a litany of wholly implausible statements that either blame the customer or even assert that the policy is conducted in a manner to benefit him. Bank employees are well aware that it is hogwash, but are compelled to compromise their own integrity on a daily basis. Managerial-level bank employees, who ostensibly have the authority to waive the fees, are forcefully incentivized not to do so. \n\nFNB is absolutely correct when it asserts that its conduct is consistent with prevailing practices in the industry. Switching banks would be meaningless as, in the absence of any meaningful deterrence, they have all developed a reliance on the same unethical fees to compete. From the standpoint of the consumer, its a cartel. There are no real choices, and one bank is the same as another.\n\nAnd that is exactly why your office must act not only to correct FNB, but to message the entire banking sector that such conduct will not be tolerated. Only then can it put an end to an injustice that causes real misery for thousands of vulnerable consumers. \n\nI urge you to investigate this incident and take firm, meaningful and public action. The incident should cost FNB at least {$180.00}, so that the incentives for dubious conduct are mitigated. You should make plain that the bank is under proper regulatory scrutiny going forward. I also expect your office to support me in case the bank chooses to retaliate against me for this complaint.","date_sent_to_company":"2018-09-24T11:59:17.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"166XX","tags":null,"has_narrative":true,"complaint_id":"3027571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF PENNSYLVANIA","date_received":"2018-09-24T11:48:29.000Z","state":"PA","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["The practice <em>could</em> not possibly bear legal scrutiny. \n\nIt is not only consumers especially those on low or fixed incomes who are victimized. The bank instructs its employees to respond to affronted customers with a litany of wholly implausible statements that either blame the customer or <em>even</em> assert that the policy is conducted in a manner to benefit him. Bank employees are well aware that it is hogwash, but are compelled to compromise their own integrity on a daily basis."]},"sort":[10.465912,"3027571"]},{"_index":"complaint-public-v1","_id":"3084819","_score":9.986366,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/18 I was debited for {$300.00} by Merchant. I had purchased a vehicle from them prior to this debit. Once I notice the debit I contacted the merchant and was given the run around on who can help me. I called my bank ( Chase Bank ) to file a dispute of unauthorized transaction. The asked me a series of questions, from memory it was : Did I do business with this merchant in the past? ( I answered Yes ) ; Is this charge from a previous purchase? ( I answered No ) ; Is the card in your possession? ( I answered Yes ). \nClaim was filed on XX/XX/18. \nI received provisional credit of the {$300.00} shortly after. \nMid XX/XX/XXXX I received a letter stating they have resolved my dispute and have obtain documents from the merchant that led them to believe this transaction was authorized. The letter stated, date of debit will be on or after XX/XX/18. I called on XX/XX/18 extremely upset and stated what's going on. They stated they received documents and therefore are debiting the account. I told them they shouldn't be debiting my account, I did do business with them in the past but it wasn't related to this transaction. The letter did provided documents that were relied on to make this determination, nor did the letter state I may request documents relied on. According to reg e 1005.11 ( d ) ( 1 ). \n\nAdditionally, on XX/XX/18 when I called and stated this is not correct and provided proof that this transaction was unauthorized the bank rep stated that they originally filed this dispute as a Fraud Claim not a dispute claim. So because of the new information I provided, they stated to be on XX/XX/18 via phone calls that should be recorded that my account will not be debited {$300.00} ( reversal of the credit ) and will be investigated under the dispute process. \n\nOn XX/XX/18, I was debited for {$300.00}. Again, this violates regulation E on so many different levels. First based on verbal communication on XX/XX/18, I was told I would not be debited and research will be reviewed. Since I was debited on XX/XX/18 this is in direct conflict of Reg E 1005.11 ( d ) ( 2 ) ( iii ) - They should have provided notification and given an additional 5 days notice from that notice when the acct will be debited. Or there could be another issue because if they are stating XX/XX/18 is day 1 of the investigation, they should provided that resolution within 10 business days or leave the provisional credit on the account. Since the original claim was filed on XX/XX/18 and they debited the acct on XX/XX/18, to me it appears they were up against a timeframe they had to close out this claim. \n\nWhen I called on XX/XX/18 to reassert the error, the rep rudely and I hope you can pull these calls continued to repeat himself that the phones are recorded. After I couldn't get anywhere, I spoke with supervisor who stated because I answered the question ( Was this charged related to previous purchase? Answered No ) they said that made this claim to be filed under fraud and not dispute. \n\nI stated when I called in to file dispute, I answered the question correctly. To my knowledge I already paid the merchant, this could not be part of a previous purchase. How am I suppose to understand the banks reasoning on how they file their dispute claims. To me this is a huge gap in their process and should be investigated. \n\nI continually tried to defend myself and even though the supervisor agreed with my understanding he said because the way it was filed the bank can only go back VISA or the Merchant once and once that is final that's it. But I told him because of their process I am not being penalized for the Banks procedures. \n\nThis is seriously unacceptable, I also asked for call back from a Director and he had to put in a request. I told him I wanted to file a complaint as well.","date_sent_to_company":"2018-11-27T22:14:13.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"85353","tags":null,"has_narrative":true,"complaint_id":"3084819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-11-27T21:34:27.000Z","state":"AZ","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["To my knowledge I already paid the merchant, this <em>could</em> not be part of a previous purchase. How am I suppose to understand the banks reasoning on how they file their dispute claims. To me this is a huge gap in their process and should be investigated. \n\nI continually tried to <em>defend</em> myself and <em>even</em> though the supervisor agreed with my understanding he said because the way it was filed the bank can only go back VISA or the Merchant once and once that is final that's it."]},"sort":[9.986366,"3084819"]},{"_index":"complaint-public-v1","_id":"6581520","_score":9.729236,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, My name is XXXX XXXX XXXX XXXX XXXX after marriage ). I am the co- owner of a small business called XXXX XXXX, as I am originally from XXXX . Yes, Im an XXXX XXXX from a developing country. Yet, I am educated enough to respect all human beings despite their color, race, religion or the amount of money they have in their bank account. \n\nHuntington is not the only, but the most unprofessional and discriminating bank I have been dealing with, either on the personal or the business level. Since I started my very small business, I have been dealing with few banks to handle paying my bills. So, I have two accounts in Huntington ; a personal and a business account. \n\nI use few locations close to where we live, but XXXX location is the one we use the most as it is the closest to our house. It is located at XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX, while we live at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX. Our bank account is surely named after our sXXXX XXXX : XXXX XXXX. \n\nWhile expecting to be treated with dignity and respect, as we are clients who put our money and trust in this bank, I was never treated with even a smile from any of the front-desk clerks. Whenever they see me, they have to pretend to be busy doing something else; either talking on the phone or answering other clients questions or counting cash, opening drawers, .etc., although I - certainly- wait for my turn and I do not surprise or interrupt any body. \n\nMy electronic bills that I pay through them are always late and messed up. My rent, power, internet, phone, .everything. They were the reason that we got our power and internet shut off, before, because they did not processed our e-checks, correctly. We always go to complain, but they are always ready with their grumpy answers. They always blame it on the checks being stuck at the post office or being sent the wrong way on our end, and they keep bouncing us from one clerk to another and from one location to another, in vain.\n\nIt happened before that, when depositing money, they accused us of giving them the cash short of $ XXXX bill and they treated us badly in front of other clients and embarrassed us, but after all, the clerk found the {$100.00} bill at his desk and it was hiding somewhere without noticing it! \n\nHere is the incident that made me decide to write to you and to say : enough for being humiliated and discriminated by other people for being poor or different~ for not showing there wearing diamonds and full high-end make-up and designer perfumes ~ for being of different origin or color, or whatever reason they look at us differently and treat us arrogantly. \n\nOn XXXX the XXXX of XXXX, between XXXX and XXXX XXXX  at the XXXX location. After a lot of calling on the phone, trying to solve a problem they have caused us by messing up our bills as usual, ending up making our rent not paid on time and our land lord not getting his money. We tried to talk on the phone, but they kept bouncing us from one employee to another and everyone saying a different reason and telling us to do something different. \n\nWe showed up at XXXX location, trying to talk to somebody to help us solve the problem. They all pretended to be busy and put their faces and eyes down. There were around four employees ; an older lady whom I believe she is the manager of the branch and she was giving us her back intentionally pretending to be busy and avoiding helping us, A XXXX- accented man who seemed to be willing to offer help but was new to the place and doesnt have much in his hands, An XXXX man who was sitting and watching us from a far place like he was enjoying watching us humiliated as usual, and XXXX, if that is her real name. \n\nThey were not wearing name tags. XXXX was trying to ignore us and pretend to be looking down but the XXXX man referred us to her as he did not know how to help us and then we figured out that XXXX was the one who answered some of our phone calls and messed up our process of paying our bills. When we started talking to her, before she even gets to the core of the problem, her face and ears turned red as if her blood was boiling already. She started getting disrespectful and impudent, very fast. \n\nShe did not give me time or chance to talk at all. She just exploded in my face and started bellowing and rumbling. Even my husband tried to talk to her but she demeaned him in a very ill-manner. She is very loutish, unrefined and uncultivated. She was slamming on her desk and kicking chairs while walking away from us, after being interrupted finally by the XXXX man, who came to make us leave. \n\nHe was very defensive and mentioned that he is the head of the place and they can not help us nor can they fix the problem. I asked him what is the ladys name who yelled at us as I am going to write a complaint about the way we got treated. He said : XXXX. I asked about her full name but he said : Im not gon na give you her full name. \n\nI told him that we are clients and we expect to be treated with more respect and dignity and we are probably not coming back. He said : I know you always say you are not coming back but you do and then he laughs! \n\nI could have -definitely- taken my account somewhere else, but when I thought about it, I figured out that this would not be the solution, because the same concept of discriminating me will happen again and again, and if I can not defend myself this time, then I will not be able to defend myself and stand behind my rights any other time. \n\nI should have written this complaint a while ago, but I got involved in some health issues that delayed me from writing to you. Please accept my apology for any inconvenience. \n\nKind Regards, XXXX XXXX","date_sent_to_company":"2023-02-16T18:08:44.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"48640","tags":null,"has_narrative":true,"complaint_id":"6581520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2023-02-16T17:55:05.000Z","state":"MI","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I <em>could</em> have -definitely- taken my account somewhere else, but when I thought about it, I figured out that this would not be the solution, because the same concept of discriminating me will happen again and again, and if I can not <em>defend</em> myself this time, then I will not be able to <em>defend</em> myself and stand behind my rights any other time. \n\nI should have written this complaint a while ago, but I got involved in some health issues that delayed me from writing to you."]},"sort":[9.729236,"6581520"]},{"_index":"complaint-public-v1","_id":"6192872","_score":9.503885,"_source":{"product":"Checking or savings account","complaint_what_happened":"San Diego County Credit Union ( SDCCU ) \" charged off '' our account at {$120.00}, and did not notify us. We have sent several certified letters and had a dozen phone calls with them defending our case.. to no avail. \n\nWhat is especially notable here is that : 1. They lost our first dispute letter to them in XX/XX/XXXX 2. They refused our 2nd letter in XX/XX/XXXX ( sending it back to us unopened ) 3. They have on record returned mail from us, proving we never received any written communication from them regarding a charge off. \n4. Our 3rd dispute ( sent certified mail ) was recorded as delivered in XX/XX/XXXX, and after almost 2 months, they have not responded to us, as they verbally promised and are legally bound to uphold a 30-day turn-around for all despite responses. \n5. between the 1st and 2nd dispute, we worked with our credit repair agency because the reportings were false, and we assumed they would be easily deleted. \n\nMore Explanation : In XXXX, during the height of the pandemic, we lost work, and decided to consolidate our resources and invest in creating a better financial future for ourselves. This resulted in making agreements with creditors to pay off accounts, making lower payments on our mortgage and hiring a credit repair agency to help us with any outstanding debts and wrongfully reported accounts. We became very serious about creating a solid future for our family, and it seemed to be working. \n\nHowever, we were living in a very small condo at the time, and the health-risk of covid in our neighborhood, and in such close proximity to neighbors was a definite threat. So, we made the decision to travel to Florida and rent a farm house for our health, safety, and to have peace of mind and build income for our family. \n\nWe had all of our mail forwarded to us at this time. We continued to work with our credit repair agency and pay off any old debts, and clear up any wrongful reportings. We stopped using SDCCU, as we were not local, and they really make communications difficult. They don't even help with online banking over the phone. We left a little bit of money in that account ( just in case ). And, we did not close the account because we didn't know if we would be back in XXXX XXXX. \n\nNote : Since our mail was forwarded, and we were just renting am airbnb, there would be no need to change our address with SDCCU. We received our mail every other week from the mail service that we used. There were several pieces of banking mail that we never did receive, including a credit card that we ordered. this particular credit card did have fraudulent charges because someone intercepted it. WE HAD ABSOLUTELY NO IDEA THAT SDCCU HAD SEBT US ANY MAIL, AND WE NOW ASSUME IT WAS RETURNED TO THEM BECAUSE UPON SPEAKING TO THEM, THAT WAS VERIFIED. DURING OUR STAY IN FLORIDA, WE ALSO GOT LOCKED OUT OF OUR ONLINE BANKING ACCOUNT AND ATTEMPTED TO RECEVE HELP LOGGIN IN OVER THE PHONE TO NO AVAIL. \n\nThere were multiple times during this situation with SDCCU when they could have made good with our accounts and completely remedied the situation prior to reporting us as a charge-off. \n\n1. They could have called, emailed or texted.. Because they have those forms of communication for both of us, and we continue to receive electronic communications from them 2. They could have admitted that their returned mail indicated we did not receive their US postal service communication 3. They could have acknowledged our dispute and considered all of the details of our case 4. They could have been within the legal timeframe of responding ... in fact, they could have responded in the first place. \n\nThis incorrect mark on our credit reports is preventing very necessary career advancement and funding for housing. It is unjust and a complete mistake on so many levels. \n\nWe only found out about this mistake through our credit repair/ monitoring company. We have never had a charge-off our mark like this on our credit without being warned. There have always been phone calls. In fact, our other banking institutions send texts whenever they suspect wrongful activity or if the account gets to zero. \n\nHere are dates and details : XX/XX/XXXX : ( This is the day we discovered the problem ). Spoke with XXXX in \" credit disputes department at SDCCU. '' she told us exactly how to write a dispute, and we completed and mailed the dispute. \n\n( long wait... working through credit repair agency, XXXX : Spoke with XXXX and XXXX, XXXX for 3+ hours asking him to investigate what ever happened to our first dispute.. he would not find our original calls or letter, and told me that it was never possible to speak with someone in the Credit Dispute department XXXX We concluded that for whatever reason, we were lied to on our XXXX call. XXXX told me that SDCCU had on our record that they had retuned mail from us. This made me confident that our case was clean, and clear because they could see that we were never informed. \n\nXXXX : Spoke with XXXX again to ask what else we could do to remedy this, and was told that they would look favorably on us if we paid the {$120.00} and to send Certified mail. We sent certified mail which was denied by them and sent back to us.. we received it weeks later XXXX : For good measure, we sent another certified letter that day. making 2 in 2 days. \n\nXXXX : We had a local friend in XXXX XXXX pay our bill in cash for us at the location. \n\nXX/XX/XXXX : our mail was recorded as delivered to SDCCU XX/XX/XXXX : Spoke with XXXX and XXXX and was told that the mail had not yet been picked up by anyone at the bank. No one had seen or opened it. \n\nXX/XX/XXXX : Spoke with XXXX and XXXX who said there was still no info on the dispute letter they received 7 days prior. XXXX could not answer why we were not emailed, called or texted regarding our alleged charge-off before it became a problem, and that she would email me that day with more info on that. \n\nXX/XX/XXXX : XXXX, an assistant manager called, claiming that he really wanted to help us with this situation, and that if we could repeat our story he would personally go to the department and make sure it was taken care of fairly. XXXX also said we should have been notified electronically regarding this problem prior to it becoming a problem. XXXX acted like he cared, and assured me that this would be taken care off in the XXXX time period, and implied he would call back and/or personally help. \n\nXX/XX/XXXX Spoke with XXXX who assured us that they were working on it. \n\nAfter this we ended our agreement with the credit repair agency, and learned how to speak on our own behalf, sending accurate disputes to the credit repair agencies. While SDCCU has failed to inform or communicate with us once again as per their investigation or findings, they \" apparently ' \" verified '' it with the credit bureaus. Once again, completely removing the \" community '' principles on which their business is allegedly built. Not to mention they going against proper laws on credit reporting. \n\nWe have gone over and above to communicate clearly with them and explain our situation, defending that we are in the right. They have ignored truth, lacked communication and created a credit trap for us that is so extremely detrimental to our family ... over {$120.00}?? All during a pandemic? When we have evidence that we were working on our credit, paying off bills and being very mindful of our financial relationships. When we clearly had spurt mail forwarded, and they clearly have returned mail from us. This would have never occurred had we received communication from them in the first place We are attaching : a receipt for credit repair notarized agreement for forwarded mail ( 3 attachments here ) photos of a returned mail from SDCCU our first dispute from XX/XX/XXXX our second dispute letters from XX/XX/XXXX 6","date_sent_to_company":"2022-12-01T13:07:49.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"6192872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SAN DIEGO COUNTY CREDIT UNION","date_received":"2022-11-10T12:01:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["They <em>could</em> have acknowledged our dispute and considered all of the details of our case 4. They <em>could</em> have been within the legal timeframe of responding ... in fact, they <em>could</em> have responded in the first place. \n\nThis incorrect mark on our credit reports is preventing very necessary career advancement and funding for housing. It is unjust and a complete mistake on so many <em>levels</em>. \n\nWe only found out about this mistake through our credit repair/ monitoring company."]},"sort":[9.503885,"6192872"]},{"_index":"complaint-public-v1","_id":"17296824","_score":8.26426,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On Friday XX/XX/XXXX Cash App placed a fraud hold on my account due to suspicious activity. I woke up on Saturday morning and called to verify all activity on the account was mine and asked them to please remove the restriction because me and my children are out of the country and that is currently my only source of funds. The customer support team and line has no authority to do anything, mangers are only available via email and they reiterate what the customer support agent has already said, they use automated prompts to speak and email, and the leadership team ignores emails regarding dire situations such as mine. Im going to copy and paste my correspondence to the leadership team via email below. Me and my children are without food, access to essential items and resources, and I can not leave for work because I do not have any money due to this protection Cash App has put on my account. The promise of restoration of my account after 48 hours has not occurred and Im very worried and concerned about what is going to happen next and if me or my children will have money to survive over the next week. \n\nEmails to leadership : XXXX XX/XX/year>, at XXXX, XXXX XXXX XXXX wrote : Good morning, I know this may not be the standard channel, but I am reaching out because my situation is now urgent and I have been unable to get help through any Cash App support pathway.\n\nI am a public servant working in XXXX XXXX XXXX XXXX and I recently relocated to XXXX with my XXXX children to support community-based maternal health initiatives in my familys home country. Yesterday, my Cash App card, currently my only access to funds was locked for suspected fraud. I immediately verified that all activity was mine, yet the block has not been removed. \n\nAs a result, my children and I were stranded for hours without food, water, or transportation and had to walk miles in unsafe conditions. This is not sustainable or safe for us. \n\nI fully respect fraud protocols ; I previously worked in XXXX  XXXX XXXX fraud department. However, once a customer verifies activity, access is typically restored. Cash App support has repeatedly told me they can not remove the hold and can only advise me to wait 2448 hours. Given my circumstances, this delay is putting my family at risk. \n\nI am asking for immediate help from someone with the authority to release this hold so I can transfer my money to my XXXX XXXX account and secure basic necessities today. \n\nI want to be clear : this is not the kind of message I ever want to send. I prefer to handle issues quietly and professionally. However, as someone connected to media partners and social justice organizations who focus on consumer protection and global safety issues, I know this situation could quickly become larger if unresolved. My hope, and my request, is simply to resolve this directly and urgently so I can care for my children. \n\nThank you for any immediate assistance you can provide. \n\nXXXX XXXX XXXX On XX/XX/year>, at XXXX, XXXX XXXX XXXX wrote : I want to follow up with an urgent update and to reiterate the seriousness of my situation. I reached out to your customer support team again this morning and spoke with a representative named XXXX. She informed me that she hopes my account will be restored in a few hours but confirmed that there were no updates from the management team regarding the escalation submitted yesterday, an escalation I was told would receive same-day follow-up. She also stated that I would have received an email if any action had been taken. I have yet to receive an email. \n\nThis is deeply concerning on multiple levels. Beyond the urgency of my current situation, which I have made clear, I am alarmed by the breakdown in communication, accountability, and escalation handling. Given Cash Apps recent issues with the CFPB and ongoing public scrutiny, experiences like this do not reflect well on customer trust or operational integrity. \n\nI want to underscore that my corporate background is rooted in customer service and financial services with experience at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. I have a strong understanding of what quality support and responsible consumer operations should look like, and this level of inaction from Cash App is troubling. \n\nI have historically defended Cash App because Ive used the platform for years without incident, including internationally. I used my Cash App card in XXXX in XXXX with no issues. However, this experience has shifted my perspective, both personally and in my work as a public servant in maternal health. Right now, I am in an economic crisis, and the funds in my account are what I need to take care of myself and my XXXX children while abroad. I am fortunate to normally have multiple financial resources, but many people who rely on Cash App do not. The thought of customers with no alternative access to their money facing this level of delay and uncertainty is unacceptable. \n\nI am asking once again for immediate intervention from leadership. I would prefer not to escalate this publicly, but as someone with connections in media and social justice organizations, I am aware of the avenues available to ensure that situations like this receive attention. I hope we are able to resolve this promptly and avoid that path. \n\nPlease provide a concrete update and timeline for restoring access to my account today. \n\nThank you. \n\nXXXX XXXX XXXX XXXX On XX/XX/year>, at XXXX, XXXX XXXX XXXX wrote : It has now surpassed 48 hours and my account is still not unlocked. I have not received any of the follow-up correspondence I was promised, and no one from the leadership team has contacted me. \n\nAt XXXX XXXX Eastern, I will be reaching out to the media because this situation has become untenable. I can not feed my children or even leave the house to do the essential maternal health work I traveled here to do, because my funds are being withheld without explanation or support. \n\nThis is completely unacceptable, and I need immediate action. \n\n\nXXXX XXXX XXXX These emails are not coming back undeliverable so my assumption is theyre being received. I was hopeful that when the week began I would hear back from someone. Ive spoken with your customer support again and still no resolve. I am truly trying to handle this amicably and with the Cash App team, but it doesnt seem that is going to be possible. \n\nI am still in a very debilitating situation when I have over {$1000.00} in my Cash App account. Is there anyone who can help me with this? All we have to eat are eggs and theyre almost done. Were in a foreign country so grocery accessibility isnt the same as the US. We have to buy food almost daily and without my funds I can not do that. We also cant drink the faucet water so we also have to purchase water and we are out of that as well. This is the worst experience Ive ever had with any company and not receiving a response from you all is adding much insult to the injury. This is truly inhumane on you alls part. \n\n\nXXXX XXXX XXXX","date_sent_to_company":"2025-11-17T21:05:16.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"30312","tags":null,"has_narrative":true,"complaint_id":"17296824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-17T20:47:47.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have a strong understanding of what quality support and responsible consumer operations should look like, and this <em>level</em> of inaction from Cash App is troubling. \n\nI have historically <em>defended</em> Cash App because Ive used the platform for years without incident, including internationally. I used my Cash App card in XXXX in XXXX with no issues. However, this experience has shifted my perspective, both personally and in my work as a public servant in maternal health."]},"sort":[8.26426,"17296824"]},{"_index":"complaint-public-v1","_id":"9037549","_score":7.7474985,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX, of XXXX I was approved for Borrower Defense for my Federal loan debt, the information about that event is as follows : -- Borrower Defense Application # : ( REDACTED, provided upon request ) Borrower Defense Application School : XXXX XXXX XXXX XXXX ( The ) Approval of Your Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement -- As my Federal debt was forgiven, and being as the Art Institutes have been found to be have defrauded students by the PA Attorney General ( see : XXXX : XXXX ) I am writing to complain about my repayment of my private debt. \n\nIn XXXX of XXXX, I consolidated my private debt, originally with Navient, to XXXX XXXX This was done to remove my brother as a cosigner and to lower the monthly fee as they would not otherwise remove the cosigner. That information is at the bottom of this document, but it can be expounded upon by request. \n\nSome background information : I had no intention, originally, of obtaining private loan debt. During my time studying at XXXX XXXX XXXX ( Online / XXXX ) I was told that Federal loans ( FFELP/Creative Plus? ) would no longer cover my tuition. As such, I was advised to supplement with private loans which were provided through Navient ( SallieMae. ) I had little option at that time, having sunk thousands of dollars of cost and years into a degree I could no longer afford. I obtained a cosigner and begrudgingly went forward. \n\nI applied and was given the private loans and finished my degree, albeit in massive debt now mixed Federal and Private. This was always a burden but I made 100 % on-time payments despite that fact. That is until I learned about the DOJ fining the XXXX for {$95.00} XXXX dollars in XXXX ( XXXX XXXX XXXXXXXX ). This gave me pause because my school was owned and managed by the XXXX. I applied for defense to repayment, and my application was in limbo for a long time. On XX/XX/XXXX I was denied by the XXXX administration of the DoE. Eventually, due to the efforts of XXXX XXXX and some excellent attorneys, I was able to obtain full forgiveness on my federal debt in XXXX, as mentioned above, when the lawsuit was successfully won. A suit that was defended successfully against appeal, over and over again before being finalized. \n\nWhich brings me to today, where I am currently saddled with private debt, consolidated from my original lender, for a degree that has been defamed and trounced upon by the shadow of illegitimacy cast by these settlements and forgiveness. My school is now the punchline of a joke I can't laugh at, indeed I am hesitant to even mention what school I attended at this point, so my degree is a byline of nothing more than past expensive mistakes. \n\nWhile I have no qualms about paying back debt for products rendered in fair exchange, this is clearly not such an exchange. The school was found to be culpable in profiting off the backs of students like myself who foolishly sought out unique educational opportunities only to be pressed under the wheel of profiteering gluttony. This has caused the all too common problem of delayed entry into home ownership, slowed progress in all areas of life, and stress and strain in addition to the diminishment of our achievement by the aforementioned shadow of shame now staining our degrees. \n\nI vehemently dispute that I should have to pay these private loans back, and I would humbly request the remaining debt be cancelled and a refund issued for any funds paid. This won't make up fully for being defrauded of tens of thousands of dollars, nor the over two decades of my life spent in debt, the loss of my degree 's legitimacy, nor the distrust I have for all the involved institutions, but it certainly would be a step in the correct, fair direction. \n\n-- Navient Loans : Loan data from navient : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consolidation loans : Current Repayment Plan : Level Monthly Payment Amount : {$400.00} Payments Required : XXXX Maturity Date : XX/XX/XXXX Principal Balance Disclosed : {$47000.00} Date Loan Disclosed : XX/XX/XXXX CURRENT balance : Principal Balance : {$18000.00} Accrued Interest as of XX/XX/XXXX : {$45.00} Payoff Amount : {$18000.00}","date_sent_to_company":"2024-05-17T16:59:09.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"32825","tags":null,"has_narrative":true,"complaint_id":"9037549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-05-17T16:49:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["My school is now the punchline of a joke I can't laugh at, indeed I am hesitant to <em>even</em> mention what school I attended at this point, so my degree is a byline of nothing more than past expensive mistakes. \n\nWhile I have no qualms about paying back debt for products rendered in fair exchange, this is clearly not such an exchange."]},"sort":[7.7474985,"9037549"]},{"_index":"complaint-public-v1","_id":"9023990","_score":7.7474985,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX, of XXXX I was approved for Borrower Defense for my Federal loan debt, the information about that event is as follows : -- Borrower Defense Application # : ( REDACTED, provided upon request ) Borrower Defense Application School : XXXX XXXX XXXX XXXX ( The ) Approval of Your Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement -- As my Federal debt was forgiven, and being as the Art Institutes have been found to be have defrauded students by the PA Attorney General ( see : https : //www.attorneygeneral.govXXXX ) I am writing to complain about my repayment of my private debt. \n\nIn XXXX of XXXX, I consolidated my private, originally with XXXX, to XXXX XXXX This was done to remove my brother as a cosigner and to lower the monthly fee. That information is at the bottom of this document, but it can be expounded upon by request. \n\nI had no intention, originally, of obtaining private loan debt. During my time studying at The Art Institutes ( Online / XXXX ) I was told that Federal loans ( FFELP/Creative Plus? ) would no longer cover my tuition. As such, I was advised to supplement with private loans which were provided through XXXX ( XXXX. ) I had little options at that time, having sunk thousands of dollars of cost and years into a degree I could no longer afford. I obtained a cosigner and begrudgingly went forward. \n\nI applied and was given the private loans and finished my degree, albeit in massive debt, now mixed Federal and Private. This was always a burden but I made 100 % on-time payments despite that fact. That is, until I learned about the DOJ fining the XXXX for {$95.00} XXXX dollars in XXXX ( https : //www.justice.govXXXX ). This gave me pause because my school was owned and managed by the XXXX. I applied for defense to repayment, and my application was in limbo for a long time. Eventually, on XX/XX/XXXX, I was denied by the XXXX administration in the DOE. Eventually, due to the efforts of XXXX XXXX, all of our applications and some excellent attorneys, I was able to obtain full forgiveness on my federal debt in XXXX when the law suit was successfully won. A suit, which, was defended successful against appeal, over and over again before being finalized. \n\nWhich brings me to today where I am currently saddled with private debt, consolidated from my original lender, for a degree that has been defamed and trounced upon by the shadow of illegitimacy cast by these settlements and forgiveness. My school is now the punchline of a joke I can't laugh at, indeed I am hesitant to even mention what school I attended at this point, so my degree is a byline of nothing more than past expensive mistakes. \n\nWith that stated, while I have no qualms about paying back debt for products rendered in fair exchange, this is clearly not such an exchange. The school was found to be culpable in profiting off the backs of students like myself who foolishly sought out unique educational opportunities only to be pressed under the wheel of profiteering gluttony. This has caused the all too common problem of delayed entry into home ownership, slowed progress in all areas of life, and stress and strain in addition to the diminishment of our achivement by the affordmentioned shadow of shame now staining our degrees. \n\nI vehemently dispute that I should have to pay these private loans back, and I would humbly request the remaining debt be cancelled and a refund issued for any funds paid. This won't make up fully for being defrauded of tens of thousands of dollars, nor the over two decades of my life spent in debt, the loss of my degree 's legitimacy, nor the distrust I have for all the involved institutions, but it certainly would be a step in the correct, fair direction. \n\n-- Navient Loans : Loan data from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) {$0.00} 8.000 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX {$0.00} 8.000 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) End Date XX/XX/XXXX {$0.00} 8.000 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX {$0.00} 9.000 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$0.00} 9.000 % XX/XX/XXXX XXXX consolidation loans : Current Repayment Plan : Level Monthly Payment Amount : {$400.00} Payments Required : XXXX Maturity Date : XX/XX/XXXX Principal Balance Disclosed : {$47000.00} Date Loan Disclosed : XX/XX/XXXX CURRENT balance : Principal Balance : {$18000.00} Accrued Interest as of XX/XX/XXXX : {$45.00} Payoff Amount : {$18000.00} NOTE : More details can provided as needed.","date_sent_to_company":"2024-05-16T21:33:13.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"32825","tags":null,"has_narrative":true,"complaint_id":"9023990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-05-16T20:52:44.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["A suit, which, was <em>defended</em> successful against appeal, over and over again before being finalized. \n\nWhich brings me to today where I am currently saddled with private debt, consolidated from my original lender, for a degree that has been defamed and trounced upon by the shadow of illegitimacy cast by these settlements and forgiveness."]},"sort":[7.7474985,"9023990"]},{"_index":"complaint-public-v1","_id":"21421164","_score":7.510797,"_source":{"product":"Credit card","complaint_what_happened":"I submitted a previous complaint but couldnt upload everything in time because I became very ill from the harassment.\n\nThe key to my case is exactly like the one that CFPB won previously for {>= $1,000,000}.\n\nThey used the same two lures to get me to sign up for four Trusted Merchant cards Cards that I didnt need, and cards that individually & collectively were set up to ruin my credit using intentional : 1. DECEPTIVE MARKETING : The Lure : SAVE $ $ $ MONEY on every purchase with these\nTrusted Lender Store cards that could be used anywhere. Advertising was large bold and colorful.\n\nThe information about how just getting this many : ( Four Cards hiding behind Names of Trusted Merchants ) ; is done intentionally to set up consumers likely a million or morebased on the amount of ads and targeting me at my current age to steal assets by intention.\n\nAgain information about how just getting these cards and daring to using them as advertised actually destroys a persons credit so they are trapped in a nightmare of bad credit even though they made their payments on time.\n\nEven thought it is not disclosed anywhere to my knowledge that getting this many cards ruins and using them as promoted ruins lives quickly AND : Certainly nothing as big as the COLORFUL HYPE to PUSH so many cards. Telling anyone they can save money big money with every purchase credit as Hype to simply get new customers to target them for stealing assets.\n\n2. TARGETING A VULNERABLE AUDIENCE : I received so many ads from Synchrony and at first I threw them all away. Then I thought maybe it works be good of it saved me money on things I needed to fix my things. That again was HYPE to PUSH all CONSUMERS INTO a dangerous trap of OVER-USAGEwhile Sychronys end goal was actually trying to push consumers over the brink with bad credit just upon application.\n\nso when I attempted to refinance all my loans on : XXXX XXXX XXXX@ 1.5 % 15 year my score had been decimated by Sychrony purposely in order to push my myself and likely XXXX of other off the cliff to allow them to steal my and other targeted audiences assets. All my loans would be in the second 1/2 of the 15 years meaning its all principle payments now.\n\nI was duped by Deceptive Marketing and Predatory Practices. All lenders after this experience need to have a CFPB or other knowledgeable institution needs to make it mandatory all the Credt Scoring is a class that must be passed before any one gets any card, as it is a serious defect there was especially at that time so little information about what makes scores go up and down. \nXXXX not Synchrony sent me an email as I recall and the first of its kind around XX/XX/XXXX. \n\nI have been harassed first by their law firm first by 4 lawsuits meant to wear me down & which one if the arbitrators actually wrote a letter on my behalf that it was XXXX as the debt at that time was only XXXX combined. \n\nafter which XXXX on Sychronys advice suppressed my case 2 levels down in order to do nothing more than win then attempt to steal assets.\n\nThis was at Sychronys bidding because Sychrony on their terms and conditions said they paid THEIR ARBITRATOR $ XXXX. \n\nAfter realizing no one ever saw my caseI was bullied at every nor did they ever even ask me any questions. Most of these calls are on CD. From the court or I recorded my own. I also became very sick. I had a servers license and a notary liscense but became so sick during XXXX but unrelated to XXXX as I was sick from harrassment, a case suppression and bullying in the court room by every attorney and arbitrator and judge yet not one was allowed to see my case based on the attorneys SYCHRONY DIRECTED AND CHOSE.\n\nALSO : Sychrony is tells the arbitrators they pay Their Arbitrator on their terms and conditions $ XXXX it seems they are all working together. I was never asked even one question or even allowed to speak. I was bullied by all judges and arbitrators who all seemed to be working together. Its all on tape or court reporters who the judges know they cut off the recorder when the judge stands up. I was again threatened by the judge and was beyond rude because I was simply trying to defend myself. She did not allow me to submit my evidence. My case was suppressed by Synchronys attorneys.\n\nAnd more.\n\nI have documentation about all of that however, the primary cause of this complaint is that they did the same thing to me they did under the Gigantic Settlement CFPB won for\n{>= $1,000,000}\n\nsame reasons as mine. 1. Deceptive Marketing :\nSave Money using our 4 store cards.\n\n2. Targeting a Vulnerable Audience to set them up to ruin their credit originally XXXX them decimated by lack of upfront disclosures to XXXX. \n\nIll be getting all the paperwork to CFPB within 15 days including shipping. Will try to upload if I can get basic assistance from the library or from CFPB I did try to do this before but I was battling a very serious illness caused by stress of what they are doing to not only my life but likely many many victims of these predatory behaviors. This is a HUGE Class Action.\n\nAlso : 1. The Statue of Limitations : New Mexico are 4 years for credit cards.\n\nAs : They lost the case against me when they suppressed mine ( documents to prove that claim )!\n\nThey offered a bribe to Their Arbitrator of {$840.00} k in the terms and conditions.\n\nNone of this is normal. It has to be stopped and there must be many other consumers that would like to join this class action as Sychrony is the leader in complaints of harassment and deceptive practices more online. Every day they take lists down but many remain.\n\nThe co-collaborators : Extreme harassment by those that knew nothing about my case being suppressed yet are tossing my file between them to scare and harass me.\n\nOver the next 4 days I will add them the 4 collaborators separately then organize all evidence to submit before the deadline this time. I need this to be resolved. They honestly are out of control. They have ruined thousands of lives with misrepresentations & mistrials.\n\n1. XXXX  posing as a debt collector with others here now actively passing the harrassment between them : 2. XXXX 3. XXXX 4. XXXX I was told by CFPB to open 4 other cases against them as I have evidence for everything.\n\nI keep getting emails to send in my information to and was told to send a copy to your Washington address also.\n\nIm getting all the evidence to your headquarters and to CFPB themselves which have been asking for it since I started by this in XX/XX/XXXX. \n\nI organizing it all now and expect to upload it this coming week. I was also told to open a total of this plus 4 cases separately to include the collaborators who are actually one big extreme harassment factory. All working together without knowing anything about the case suppression except what Ive told them and they ignored it.\n\nIf they worked harder at being forthcoming about the truth of credit scoring I would have never ever gotten even one card.\n\nNever ever!\n\nI am just trying to help your government organization to make a second {>= $1,000,000} to make sure youre funded.\n\nNo way Synchrony can win this case.","date_sent_to_company":"2026-04-21T00:14:48.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"87110","tags":"Older American","has_narrative":true,"complaint_id":"21421164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-04-20T21:41:59.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I was never asked <em>even</em> one question or <em>even</em> allowed to speak. I was bullied by all judges and arbitrators who all seemed to be working together. Its all on tape or court reporters who the judges know they cut off the recorder when the judge stands up. I was again threatened by the judge and was beyond rude because I was simply trying to <em>defend</em> myself. She did not allow me to submit my evidence. My case was suppressed by Synchronys attorneys.\n\nAnd more."]},"sort":[7.510797,"21421164"]},{"_index":"complaint-public-v1","_id":"20096492","_score":7.088034,"_source":{"product":"Student loan","complaint_what_happened":"XXXXNelnet, my student loan provider, has continued to get away with breaking the federal law that relates to student loan borrowers with disabilities. Living in a state that\\'s already currently under investigation for billions of dollars in XXXX  fraud (XXXX), it\\'s already difficult and impossible for me to have to defend my civil rights from Nelnet when every single day of my life I have to defend my civil rights 1 million + ways from predatory corrupt neurotypical individuals who are deliberately trying to financially exploit neurodivergent vulnerable adults, while I already have multiple disabilities that have long been documented and which make it extremely difficult to balance multiple tasks simultaneously. \\n\\nAs I\\'m still currently enrolled in a 4-credit college course, trying to finish my college degree, neurotypical college students don\\'t end up getting illegally evicted from 5 different apartments simply for doing their assigned college homework. I\\'ve been evicted from 5 different apartment programs in my state that exclusively only house neurodivergent residents who at a bare minimum at least receive state XXXX, oftentimes Social Security and XXXX as well. Residents are then forced to have multiple mental healthcare meetings each week with numerous service providers, meetings that are specifically designed to waste their time and not work to improve their disabling conditions. By ensuring that every spare second of our time is bombarded with pointless meetings that do absolutely nothing to improve our disabling conditions, residents continue to stay in the same disability housing setting (termed ICS, or Integrated Community Supports, a statewide housing program for disabled citizens in the state of XXXX  who receive XXXX  from the state; just last week during XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXestimony in front of Congress, ICS was verbally cited as being one of the many programs riddled with fraudulent XXXX  practices). \\n\\nWhen residents remain in the same ICS housing settings for years on end, forced to go absolutely nowhere with their life, this allows all kinds of corrupt service providers to continue a long pattern of years and years of fraudulent XXXX  billing. When residents such as myself attempt to engage in activities that would see them graduate and leave from these type of ICS settings within a small handful of years, (e.g. trying to earn a college education), such residents are punished illegally with eviction, which subsequently allows the service provider to house a different neurodivergent Medicaid recipient, perhaps one who has no qualms with receiving the same corrupt services for decades on end so as to ensure the XXXX fraud continues long term. I can\\'t succeed at college when I have 6-7+ assigned corrupt service providers all repeatedly harassing me for 10+ hours of meetings each and every week (totaling to more than 60-70+ hours of meetings every week, with each of these service providers actively engaged in committing XXXX  fraud).\\n\\nMedicaid fraud isn\\'t only committed in cases where XXXX  has been billed without any services having actually been rendered to the disabled client; in cases where services have been received, but the stated and documented goals and outcomes of those services are completely ignored in favor of creating a scenario that ensures the disabled recipient remains a sitting duck for decades on end so as not to disrupt Medicaid billing, such behavior should be considered fraudulent XXXX  billing practices as well.\\n\\nAside from being retaliated against for doing my college homework, I\\'ve also had to put up with a state ICS program run by sexual predators, as both the ICS group homes and supportive apartment settings are commonly staffed by previously registered and convicted sex offenders who go frequently go unpunished for commonplace abuses such as the forceful rape and impregnation of neurodiverse residents, ICS staff who come to work and physically choke neurodiverse residents while said ICS staff member is high on illegal drugs such as cocaine. While receiving Social Security Disability Insurance (SSDI) from 2011-2024, I\\'ve had numerous corrupt, large-size employers who have deliberately gotten away with interfering with my ability to attend my scheduled college courses, college courses that were being paid with student loan money. I highly doubt neurotypical college students have had to endure threats of \"I\\'ll shoot you dead with a gun if you punch out and leave at the end of your shift\" from management while working at a Potbelly Sandwich Shop, simply because they\\'re trying to punch out at the end of their scheduled work shift so that they can get to their classes at their local community college on time. Time and again I\\'ve come across corrupt employers who have deliberately tried to interfere with my ability to make it to my scheduled college classes in a timely manner, while also simultaneously getting away with repeat serious violations of the Americans with Disabilities Act, under which I\\'ve been covered (and continued to be covered this entire time). Guns being physically held to my head by neurotypical gang members who were allowed to erroneously infiltrate my first ICS apartment, having upwards of 6-7+ corrupt social workers who each engage in repeat, unreasonable harassment tactics whenever I\\'m unable to immediately answer their phone calls: assigned job coaches who  work exclusively with neurodivergent individuals and who are paid exclusively via their neurodivergent client\\'s XXXX package, leaving a total of two voicemails, one text message to my phone, one email sent to me directly, and yet a separate email sent to another one of my service providers (thus attempting to complain and have a third party service provider step in and join the barrage of repeat harassment), all within a time span of less than 24 hours. Even when I\\'m on punched-in, on the clock in the middle of a shift at work, working a part-time job as a part of XXXX designated Ticket to Work program for Medicaid recipients, with managers complaining about how I could get potentially be fired for using my phone while on the clock at work.\\n\\nI\\'ve had to deal with all of the above aforementioned civil rights abuses and much, much more, to the point where there isn\\'t adequate space and time to list all of the myriad examples of civil rights abuses I end up having to endure on any given day of any week. And then I have Nelnet deliberately choosing to waste and abuse my time, while also adding to the list of neurotypical predators trying to exploit neurodivergent vulnerable adults (as I\\'ve officially been considered a vulnerable adult by the state of XXXX  since XXXX, and continuing). From XXXX, I\\'d sent Nelnet numerous benefit verification letters which I\\'d directly downloaded from XXXX. These letters not only feature official stationery letterheads from the Social Security Administration, but also detailed the exact amounts monthly SSDI benefits I\\'d been receiving at the time, as well as the most recent date (the exact day that download of the verification letter had occurred). Not once in that time period did Nelnet keep such documentation on file. Not once from XXXX did Nelent bother to inquire as to whether or not I was still receiving SSDI, XXXX  and XXXX  on an annual basis. The only documentation that Nelnet ever bothered to provide me with, outside of verification from Nelnet that payment of my student loans either been placed into in-school forbearance, or during the numerous instances in which Id been academically suspended as a result of the numerous unfair civil rights violations Im forced to endure repeatedly (e.g. I cant earn good grades when Im suddenly evicted from my apartment and made to be homeless in the middle of an academic semester, simply for trying to do my assigned college homework)  Nelnet would send official notices/documentation that my account had been placed on some sort of temporary pause of payments.\\n\\nEither way, Nelnets behavior repeatedly worked to deliberately ensure that most amount of capital interest could be applied on the student loans that I owe. When I would inquire about student loan dismissal for long-term neurodivergent borrowers receiving government assistance such as SSDI, XXXX  and XXXX  for long-term, extended periods (such as myself), Nelnet would repeatedly and deliberately tell me lies and provide me with inaccurate information about the loan dismissal program. Today, Nelnet is repeatedly continuing to violate my civil rights and harass me for XXXX per month in student loan payments that clearly are well-aware that I cant afford. All of these disability government programs  SSDI, XXXX  and XXXX   have set gross monthly income limits that recipients are allowed to earn. Thanks to Nelnets repeated lies and harassment tactics, Ive officially been illegally kicked off SSDI, forced to participate in an education program that has my current employer, Starbucks, pay 100% of my tuition provided that I work a minimum of 22 hours per week on average. \\nThanks to Nelnets repeated lies over the years concerning disability dismissal of my student loans (as well as their repeat harassment whenever Im not enrolled in college courses for at least 6 credits, most likely due to a combination of civil rights violations/unfair time bombardment/eviction as a result of attempting to do my college homework), Ive been forced to participate in the education program XXXX  has to offer. I have no undergraduate funding left available to me when it comes to student loans. Although I frequently experience numerous weeks on end where I only receive as little as 10 hours of sleep per week, as a direct result of a combination of my having to put up with an unfair combination of weekly-assigned college homework/numerous civil rights infractions/unfair time bombardment/repeat homelessness. Ive had to work harder than any neurotypical college student who in this country who has had the fortune of having their civil rights protected, yet I have no college degree to show for all of my ridiculously insane degree of responsibility and effort put forth. One might easily see how XXXX in student loan undergraduate funding rapidly gets used up when civil rights issues that directly impact the usefulness of such funds arent being protected (e.g. Im being threatened with gun violence from my employer because Im trying to leave at the end of my scheduled work shift so that I can attend my college courses on-campus; being evicted from my apartment for doing my assigned college homework). \\nWhile having to work a total of 22 hours per week in order to maintain my scholarship from XXXX, the state of XXXX, already as corrupt as it is when it comes to disability services rendered within the state, has continued to mandate small incremental involuntary pay raises for the position that I hold at XXXX (XXXX). These pay raises were received regardless of the fact that in the five years that Ive been employed with XXXX, neither my job title nor my responsibilities have increased. Furthermore, every single day which Im scheduled to work, my disabilities cause myriad problems just in terms of my ability to even be able to perform all of the normal duties and tasks generally assigned to the role of XXXX  at XXXX. I cant make drinks due to an unfair combination of the extremely fast-paced working environment which places extreme amounts of strain on documented disabilities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As is commonplace among individuals diagnosed with XXXX, my short-term memory is completely shot. Because my long-term memory is extremely acute (to the point where Ive had to remind my own mother of incidents that occurred at the young age of XXXX XXXX XXXX, down to the specific smells, colors of and textures of various objects, etc., [while neurotypicals habitually struggle to recall even a generic outline of events that occurred before they were aged XXXX XXXX XXXX, let alone myriad details such as remembering specific colors, textures, smells, etc.]), which is considered a commonplace trait of XXXX, my short-term memory is extremely inadequate and lacking as a result. \\n\\nWhile Ive been trying to earn a degree heavily focused on developing AI systems and working with AI Agents (work that would fall more in-line/be far easier for an individual who possesses extreme acute long-term memory), working as a XXXX  at XXXX  means that I frequently forget long lists of verbal drink modifications or instructions that might be spouted off to me by customers after theyve already placed their orders. Short-term memory (or working memory, as its officially called), directly governs ones ability to both interpret and successfully recall verbal instructions. Pair this with the fact that having an extremely fast-paced working environment that places emphasis on ones ability to multi-task is an extremely difficult and disastrous environment for anyone formally diagnosed with XXXX, let alone just XXXX, and one might begin to understand why its difficult for me to work the type of jobs Im eligible to apply for without having received a successful college education and training. And hence why earning my college degree would most likely make work much easier for me, work thats tailored to my specific conditions and talents. \\n\\nAs such, XXXX  has been forced to provide me with small incremental pay raises, while at the exact same time Im unable to perform more than 10% of the descriptive job duties for my assigned position/role within the company (XXXX). Each day that I work, Im relegated to handing out change and beverages and food at the Drive-Thru window or doing cleaning tasks around my store. Other XXXX  receiving the same level of hourly pay I receive are able to complete these same tasks and more, namely make drinks, which constitutes the sole major function of the role of XXXX, and would undoubtedly serve as the chief business stratagem of the company (the ability to make coffee drinks for a fast-paced coffee restaurant/coffeehouse whose chief products of sale revolve around various flavors of coffee). This is the scenario that ended up getting me kicked off my SSDI benefits in XXXX XXXX, a scenario exacerbated just as much by Nelnets repeated lies as it is the fraudulent XXXX  practices that have been continuing to occur in my state for decades on end.\\n\\nAs of todays date, I currently still receive both XXXX  and XXXX. My rent has continued to increase annually every single XXXX  for the same one-bedroom apartment that Ive been renting from XXXX XXXX XXXX XXXX XXXX  for the last four years, with XXXX working in partnership with ICS provider XXXX XXXX XXXX XXXX  to provide apartments exclusively to XXXX  clientele. My rent has now skyrocketed to the point where it conflicts with the limited earned income guidelines for my XXXX  package. My XXXX  package is also used to pay for such services as the new pair of eyeglasses I just picked up last week, eyeglasses which I would be unable to afford without my XXXX, and which would also end being another factor that would limit both my ability to successfully work a job or succeed in school (not having access to eyeglasses that adequately correct my vision problems). My XXXX  package is also used to pay for all of the XXXX  rides (rideshare) that I take to and from work each day that Im scheduled to work, as Im currently enrolled in a program known as XXXX  XXXX, a program that sees XXXX  County provide a given amount of XXXX  rideshare funds each month ($1,500) so that I can have access to get back-and-forth to work and other places that I need to go. My job is approximately a 30-minute drive from my current apartment. While I could try to apply for working at a XXXX  location thats closer to my current apartment, the corrupt and fraudulent behavior perpetrated by mental health care and other XXXX  service providers in my state, namely the behavior of the corrupt job coaches Id cited above (who themselves receive payment via my XXXX  package), my relocating to a different store means that I would potentially be exposed to insensitive and corrupt co-workers and management, while of course XXXX  has a long track record of failing to protect my civil rights when it comes to matters of employment, just as well.\\n\\nToday, Im currently looking for more affordable ICS housing options. Im currently paying being forced to pay out of pocket for one class per semester at one of my local community colleges (as thats all I can currently afford to pay, while Nelnet, just like everyone else, has continued to get away with civil rights violations of neurodivergent borrowers). Unfortunately, I lost my XXXX  scholarship to XXXX, thanks half in part to my having to deal with faulty laptop equipment that Id used part of the very last of my undergraduate loans to purchase a laptop from Dell, as well as on the part of Nelnets deceitful practices. XXXX  partners with AXXXX XXXX XXXX XXXX for its educational program. Thus, XXXX educational program only pays 100% tuition for XXXX  employees who specifically attend XXXX  through their online platforms only; XXXX  doesnt pay for any on-campus classes taken at XXXX. XXXX online programs are all accelerated programs; each program takes the exact same amount of a complete, full, four-month semester of classwork and then crams this four-month semester worth of work into 7.5 week-long trimesters for XXXX  online students.\\n\\nIn the latter half of my online Bachelors in IT program, the portion that assigns me direct lab work with AI agents, Big Data analyzation and whatnot, Im allowed to take online courses at the four-month semester format. Until I get to those types of classes within my undergraduate program, classes found to be at the 400-numbered level of classwork, my only option is to take classes at the crammed 7.5 week-long trimester format. While attending XXXX  online, I was just barely able to reach the 200-level of course work within my degree program thanks largely in part to my having to ship my laptop back to XXXX  for repairs literally every 3-4 months over that duration of the last 1.5 years.  The scenario would be that at any given time, I would be enrolled in the middle of a trimester of multiple accelerated classes two separate 3-credit courses simultaneously each 7.5 week-long trimester to be exact. Id have either a high grade of around B+ or A- going at any given time within any trimester, when all of a sudden, the internal cabling in my laptop would go out, or one of the USB drives on my laptop would stop working, the BIOS of my laptop would no longer be able to receive necessary updates, etc. These incidents would often occur in the middle of a trimester, in which case Id have to wait to have a pre-packaged box sent out to me by XXXX, then I would have to ship my laptop in for repairs down to their headquarters in XXXX (thus sufficient time would have to be considered for my laptop to reach XXXX  headquarters all the way in XXXX, shipped from where I live in XXXX), then XXXX  would have to spend time performing any needed repairs, finally with subsequent time needed for me to receive my laptop shipped back to me from XXXX. \\n\\nBy that time, even if only lasting the duration of 1.5  2 weeks, my XXXX  grades would fall from circa an 88%- 95% B+ or A to well below the threshold for a 60% grade of D-. Seeing as how I needed at least a grade of C to pass all of my assigned classes, by the tie I would receive my laptop back from XXXX, Id have had to withdraw from my classes, as their wouldnt be enough time left for me to at least earn a passing grade of D-, let alone a C average. Even my repeatedly earning a borderline passing grade of D- (which wouldve ultimately served as an insufficient grade for me to be able to move onto the next set of classes, meaning I wouldve had to repeat such a class), wouldve eventually worked to see me placed on academic suspension from XXXX  along with subsequent loss of my XXXX  scholarship solely on account of low a low GPA. On the other hand, repeatedly withdrawing from the classes Id signed up for at the beginning of the trimester (which is the route I chose, given my two limited choices), eventually meant that Id ultimately end up on academic suspension with loss of my XXXX  scholarship solely on account of inadequate pace rate (completion rate of the classes Id originally signed up for at the beginning of each trimester).\\n\\nAs XXXX  does also offer a XXXX  plan to all of its full-time and part-time employees, a XXXX  plan which sees the company make substantial annual deposits of company stocks (termed RSUs, or Restricted Stock Units), any RSUs received from XXXX  dont vest until November of each year. This means that Im unable to turn my RSU units into cash until November of each year, something I planned to do so that I could purchase a backup laptop for school. This is where, yet again, Nelnets deceitful practices begin to unfairly come into play yet again. If Id simply tried to wait and refrain from signing up for any future classes at XXXX  until I could amass enough money from my XXXX  so that I could purchase a backup laptop (given the fact that my undergrad program at XXXX  has me working with all manner of complex and technically advance systems in order for me to complete my weekly assigned lab work, such requirements as running multiple virtual machines, cloud computing software and services from XXXX  and XXXX, Big Data software, and the running, processing and working with of AI agents [among many other technical requirements], I need a laptop with adequate RAM, VRAM, CPU processing power and GPU running and handing power). \\n\\nIn short, a XXXX  definitely would not have cut it. Just the  training, running and deployment of AI agents alone means someone would have to have a bare minimum some the lower-level of offerings in the line of the latest and greatest in GPU cards installed inside their laptop, along with the substantial amount of computer memory (both RAM and VRAM) needed for the training of complex AI agents. This means that I would usually have to spend upwards of XXXX XXXX on a laptop deemed adequate enough for my program. I didnt have the option of just sitting out for a couple of years so that Id be able pull ~ XXXX from my XXXX  to purchase a dependable, yet viable laptop sufficient for the type of work and purposes for which Id be using said laptop. Every time I wanted to wait and save enough money so that I could purchase another laptop, Nelnet would repeatedly harass me for monthly payments, already knowing full well that Id been continuing to receive SSDI, Medicare and Medicaid on a long-term basis. \\n\\nHere today, Nelnet still continues to harass me for monthly payments, even though Ive been struggling to pay for increase in rent for my apartment while having to limit my gross (not net, mind you) monthly earnings so that I can keep my apparently much needed Medicaid. Nelnet has deliberately trying to cheat  and exploit me out of every single one of my needed disability services. Instead of using my XXXX money to save for a the purchase of a reputable backup laptop (Ive since been able to purchase a light-weight HP laptop that had gone on sale for Black Friday in XXXX, as my XXXX  laptop is completely out of warranty and now longer functionable), Im currently using all of the money in my XXXX  each semester to pay for one class per semester at my local community college (as XXXX  wants me to pay out of pocket for 18 credits, which I can take at the community college level for far cheaper and subsequently transfer them in, before being allowed to once again use my XXXX  scholarship). XXXXXXXX  is trying to blame me for technical problems beyond my or any students control, let alone a disabled, low-income student at that. The community college at which Im currently enrolled does offer a full-ride scholarship that pays for 100% of a students tuition up to receipt of a  four-year Bachelors degree (a program which had not been offered the last time Id attended community college several years earlier, circa XXXX XXXX XXXX). Im having trouble with my local state community college system allowing me access to that scholarship, as they want to take for granted that all of my civil rights have been unfairly and unjustly violated time and again over the years, just for my having diligently trying to earn a college degree. My local community college wants to try to look at my historical academic record and try to hold me responsible for being put into unfair scenarios that neurotypical college students (against whom they unfairly compare and contrast my academic performance to) never have to endure a day in their life, such as being evicted and subsequently made to be homeless in the middle of an academic term simply for doing their assigned college homework. Then along comes Nelnet with their brand of civil rights violations against neurodivergent Americans who already have it hard and unfair enough to begin with in life. My monthly payment from Nelnet should be $0, and they should be forced to acknowledge the fact that my rent has continued to climb higher each year, while I frequently have a limited cap on the amount of monthly income I can earn as a result of services I need in order for me to be successful as a person with substantially documented disabilities. Nelnet is deliberately and repeatedly actively doing their part to make sure that fail whichever classes I most currently enrolled at the time, working alongside everyone else trying to violate my civil rights.\\n\\nAlong with this complaint, Ive attached an official verification letter from the Social Security Administration (again, this letter has todays date at the top, the same date  said verification letter was downloaded from their website, ssa.gov). Ive also attached my official ICS and service plan that is currently covered via my XXXX  package and rendered via services from the state of XXXX. Ive also attached a documentation from XXXX, the company that provides my XXXX  services here in the state of XXXX. Furthermore, Ive attached a picture of the most recent annual letter from my landlord, XXXX, stating  my annual increase in rental payments, as habitually increased every XXXX. Ive also sent a photo of a recent eviction letter I received from this same landlord as of last month as a result of my constant struggles to pay rent. Finally, Ive attached a picture of the schedule weekly schedule of assigned meeting hours Im supposed to have scheduled with ICS staff from my ICS provider XXXX, scheduled for this week (starting on todays daye of 3/9/2026). Keep in mind while all of the hours shown only add up to only 21 hours per week, such a schedule would be completely irrespective of the same amount of meeting hours unfairly demanded by my XXXX worker, two separate case managers, Housing Support coordinator (the state of Minnesota was recently forced to terminate its statewide Housing Support Program this past fall, a program that targeted neurodivergent XXXX  recipients, due to the sheer amount of XXXX  fraud having been committed in just the Housing Support Program alone). \\n\\nAs of the present, Ive fired  the majority of my service providers, as there currently isnt much these service providers can do in terms of further violating my civil rights, now that multiple public uproars and ensuing investigations have now been made and are continuing to be made at both the local state level, Federal national level and as well as the national mass media level concerning the ongoing XXXX  fraud being perpetrated in this country on a daily basis, with states such as XXXX  currently being brought to the forefront of such investigations. Additionally, my firsthand experience has only work to showcase how people often take for granted the civil rights and liberties they have personally afforded for them, and only care to see someone elses completely different and unique situation from the vantage point of their own privileged life circumstances (e.g. neither the people at Nelnet nor the neurotypical individuals staffed on the academic committees that governing both the academic and pace rate success of students at Americas post-secondary institutions care to take into consideration unjust, discriminatory and impossible scenarios which they themselves havent had to endure). \\nI have also uploaded a screenshot from my diagnostic packet received from XXXX  of XXXX, showcasing the late diagnoses I received in 2019 (the state of Minnesota had previously and illegally misdiagnosed me without having once communicated with me the extent of my original diagnoses, which have all been successfully refuted by XXXX  in XXXX). Also noteworthy is the fact that while XXXX  had spent a full 1.5 months of conducting both professional and official clinical tests, holding phone conversations with my parents so they could properly gauge the full onset of displayed symptoms (which has been missed and shouldve originally been diagnosed at the age of 5), not once had any of my previous medical doctors or therapists (the medical professionals whod originally diagnosed me) bothered to conduct any manner of clinical testing, bothered to contact family members, or lift a finger in the name of conducting any veritable research in the name of substantiating their diagnoses. As such, Ive provided a screenshot of the diagnostic summary received from XXXX  as well as a copy of the full clinical packet/diagnoses from XXXX, which chronologically and painstakingly work to detail all clinical tests performed as well as the outcome of each individual test, and each test directly relates to my diagnoses received from XXXX.\\n\\nThank you for your time and help with this unfair matter of prejudice.'","date_sent_to_company":"2026-03-09T17:12:04.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"55075","tags":null,"has_narrative":true,"complaint_id":"20096492","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-03-09T16:31:04.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["<em>Even</em> when I\\'m on punched-in, on the clock in the middle of a shift at work, working a part-time job as a part of XXXX designated Ticket to Work program for Medicaid recipients, with managers complaining about how I <em>could</em> get potentially be fired for using my phone while on the clock at work."]},"sort":[7.088034,"20096492"]},{"_index":"complaint-public-v1","_id":"16561238","_score":7.082306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed in direct response to the CFPBs closure of Complaint # XXXX, which was wrongfully marked as a duplicate. The new complaint Im submitting today, XX/XX/year>, is intended to address both the XXXX XXXX FCUs furnishing misconduct [ XXXX ] and TransUnions reinvestigation failure [ XXXX ] regarding these same tradelines. \n\nI find it interesting how these credit bureaus stand so tall, acting as if they know everythingwhen in reality, they clearly understand very little. If they could even begin to comprehend the words and facts contained in the two complaints attached below, they would see that these are two entirely separate issues. Yet, instead of addressing them properly, they continue to blur the lines and defend the creditors errors, making it appear as though theyre being paid by the furnisher to keep these false tradelines alive on my credit report. \n\nThis filing outlines both violations clearlyXXXX  improper furnishing [ XXXX ] and TransUnions failure to perform a lawful reinvestigation [ XXXX ] so that they can no longer hide behind technicalities or generic template responses. \n\n-- - # # # * * CFPB Complaint # XXXXXXXX XXXX XXXX XXXX ( Furnisher Violation ) * * * * Agency / Company : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed : * * XX/XX/year> * * Summary of Complaint : * * XXXX XXXXs furnishing inaccurate, incomplete, and unverifiable information to * * XXXX XXXX and TransUnion * XXXX. They continue to report two charged-off accounts as delinquent and update them monthly, even after charge-off, which constitutes * * illegal re-aging * * under Metro 2. \n\n* * Key Points : * * * On XX/XX/year>, XXXX responded to your dispute but * * failed to provide validation * * no original agreements, ownership proof, or payment history. \n* They falsely claimed that * credit bureaus * determine how XXXX name appears on reports, shifting responsibility. \n* Their correspondence ignored your reported as fraud by consumer dispute notation. \n* They threatened continued collection ( charge-off does not mean uncollectable ) without proof of ownership. \n* These actions violate * * FCRA 611, 623, 1681e ( b ) * *, * * Metro 2 reporting standards * *, and * * FDCPA * *.\n\n* * Violation Type : * * * Furnisher-level violations * ( XXXX reporting behavior ).\n\n* * Statutory sections : * * FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ; FDCPA 807. \n\n* * Proof of Ongoing Inaccuracy : * * * XXXX  ( XX/XX/year> ) both XXXX  accounts ( XXXX ) : still charged-off, {$7900.00} and {$93.00} balances. \n* TransUnion ( XX/XX/year> XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  : still Charged-off as bad debt | Dispute resolved subscriber disagrees. \n* XXXX XXXX XXXX  XX/XX/year> ) no XXXX tradelines, confirming data inconsistency. \n\n* * Conclusion : * * XXXX conduct created the inaccurate data by furnishing false, unvalidated, and re-aged information a * furnisher violation *. \n\n-- - # # # * * CFPB Complaint # XXXX TransUnion LLC XXXX Credit Bureau Violation ) * * * * Agency / Company : * * TransUnion LLC XXXX XXXX Filed : * * XX/XX/year> * * Summary of Complaint : * * TransUnion mishandled its reinvestigation of the UNIFY tradelines reported above. Instead of conducting a reasonable reinvestigation as required by FCRA 611, TransUnion merely marked the accounts Active Dispute ( 2 ) and closed your CFPB case as Closed with Non-Monetary Relief.\n\n* * Key Points : * * * TransUnions response was generic boilerplate and did not include XXXX verification data, XXXX, or any validation records. \n* The bureau relied entirely on XXXX unproven data, violating * * FCRA 611 ( a ) * * ( reasonable reinvestigation ) and * * 1681e ( b ) * * ( maximum possible accuracy ).\n\n* Their closure misrepresented that relief had been provided, when no deletions or corrections were made.\n\n* Their own record in the CFPB portal confirms the result was Closed with non-monetary relief, and your feedback stated No, the company did not resolve my issue.\n\n* * Violation Type : * * * Credit-bureau-level violations * ( TransUnions reinvestigation process ). \n* * Statutory sections : * * FCRA XXXX ( a ) and XXXX ( b ). \n\n* * Proof of Ongoing Inaccuracy : * * * TransUnion still reports both XXXX  accounts as * derogatory/charged-off * and * disputed * as of XX/XX/year>. \n* No documentation or validation was ever furnished to you despite your request. \n\n* * Conclusion : * * TransUnions conduct represents a separate violation failure to reasonably reinvestigate and correct the inaccurate data supplied by XXXX. \n\n-- - # # # * * In Summary * * | Complaint ID | Company | Type of Violation | Core Issue | FCRA Sections Impacted | Current Status | | -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | * * XXXXXXXX XXXX XXXX | * * XXXX XXXX XXXX XXXX XXXX  | Furnisher violation | Furnishing false, re-aged, and unverifiable tradelines | 623 ( a ), 623 ( b ), 1681e ( b ), FDCPA | Closed company failed validation | | * * XXXX * * | * * TransUnion LLC * * XXXX CRA violation | Failing XXXX reinvestigate or correct inaccurate data | 611 ( a ), 1681e ( b ) | Closed non-monetary relief, unresolved | -- - # # # * * XXXX XXXX * * * * * Complaint # XXXX * * targets * UNIFYs furnishing conduct * the creation and ongoing reporting of false and re-aged tradelines. \n* * * Complaint # XXXX * * XXXX  * TransUnions reinvestigation failure * their refusal to conduct a lawful, good-faith reinvestigation or provide validation. \n\nBoth stem from the same XXXX tradelines but represent * * two distinct points of failure * * : first, the * creation * of inaccurate data by XXXX, and second, the * failure to correct * that data by TransUnion.","date_sent_to_company":"2025-10-14T21:25:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"16561238","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-14T21:10:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If they <em>could</em> <em>even</em> begin to comprehend the words and facts contained in the two complaints attached below, they would see that these are two entirely separate issues. Yet, instead of addressing them properly, they continue to blur the lines and <em>defend</em> the creditors errors, making it appear as though theyre being paid by the furnisher to keep these false tradelines alive on my credit report."]},"sort":[7.082306,"16561238"]},{"_index":"complaint-public-v1","_id":"16867359","_score":6.905012,"_source":{"product":"Checking or savings account","complaint_what_happened":"Formal Complaint Against USAA From : XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Date : XX/XX/year> Subject : USAA Is Using the XXXX  but Failing to Serve the XXXX  I am writing to file a formal complaint against USAA for a consistent pattern of poor service, misinformation, and lack of accountability. I have been a loyal USAA member for more than XXXX years, trusting this company because of its long-standing commitment to serve military members, veterans, and their families. However, it has become clear that USAA has drifted far from its founding mission. What once felt like a member-focused organization now feels like a for-profit company reading from a manual, impersonal, unresponsive, and disconnected from the realities of military life. \n\n\nXXXX. The Decline of Communication and Accuracy Over time, USAAs communication has become unreliable and inconsistent. Representatives often give incorrect information and then hide behind scripted responses. \n\nA recent example illustrates this problem. I took my XXXX to a dealership to have a cracked windshield replaced. When I mentioned that USAA told me they did not cover windshield repairs, the service advisor was surprised and called USAA directly. To my disbelief, the representative confirmed that USAA does cover windshield replacement. For XXXX years, I had been misinformed by USAA representatives. This kind of misinformation is unacceptable from an organization that claims to serve professionals who depend on precision, accuracy, and trust. \n\n\nXXXX. The XXXX Towing Limitation, A Policy That Fails the Military Another major issue involves USAAs restrictive towing policy. I was informed that if my car breaks down and I am more than XXXX miles from an authorized repair facility, USAA will only tow my vehicle XXXX miles. Any distance beyond that must be paid out of pocket. \n\nThis policy might work in dense urban areas, but it is entirely unrealistic for members living in Alaska, Hawaii, or rural areas, places where authorized service facilities can be hundreds of miles away. \n\nMy son, a XXXX XXXX XXXX XXXX, owns a XXXX XXXX  that he purchased on the XXXX XXXX  but uses on the XXXX XXXX. When his car needed repair, USAA referred him to XXXX shops they claimed could service XXXX XXXX. Both shops refused service, explaining they were not authorized XXXX facilities and lacked the equipment to work on hybrids. When my son informed USAA, he was told there were no other options and reminded again of the XXXX towing limit. \n\nUltimately, XXXX Roadside Assistance, not USAA, had to arrange to tow the car back to the XXXX XXXX for proper service. \n\nPolicies like these demonstrate how out of touch USAA has become with the needs of its members. XXXX XXXX XXXX XXXX XXXX and overseas locations often live far from authorized service centers, yet we are penalized with higher premiums and limited support. These rigid policies undermine the reliability and peace of mind military families deserve. \n\n\nXXXX. The XXXX XXXX XXXX XXXX and XXXX XXXX As a retired XXXX XXXX XXXX and former commander, I understand how critical it is for service members to have dependable support systems. When soldiers, airmen, sailors, or XXXX are distracted by avoidable personal or family issues, like being stranded on the side of the road without proper help, their readiness and focus on mission suffer. \n\nIf a service member stationed in XXXX  or XXXX breaks down and USAA refuses to tow their vehicle beyond XXXX miles, that individual faces unnecessary stress, potential financial hardship, and anxiety about how to get to work or fulfill their duties. These are not minor inconveniences, they are readiness issues that affect morale and trust. \n\nUSAA was once known for understanding the realities of military life, remote duty stations, frequent relocations, and deployments. Today, that understanding seems to have disappeared. \n\n\nXXXX. Repeated Misinformation and Lack of Accountability Each time I contact USAA, I receive a different answer. Representatives read from a script, and when challenged, they often transfer me to another department rather than resolving the issue. When I ask to speak to a supervisor, Im told one is unavailable. Ive been promised callbacks that never occurred, and in some cases, representatives have ended the call when I insisted on escalation. \n\nIn one instance, I was told that my issue needed to be transferred to roadside assistance. I immediately questioned this, asking why they would transfer me when this was clearly a policy issue, not a roadside assistance issue. This constant deflection is frustrating and unprofessional. \n\nIn another example, when a USAA member hit my car and fled the scene, I provided the tag number to USAA. Instead of pursuing the at-fault driver, I was told to file the claim through my own insurance, even though the other driver was also insured by USAA. They offered to send me a check for repairs, but I refused to pay for something that was clearly not my fault. I still can not understand how it is legal or ethical for USAA to ask one member to cover damages caused by another member. \n\n\nXXXX. The XXXX  and XXXX  Penalty, High Premiums, Low Service USAA members in XXXX  and XXXX  pay some of the highest insurance premiums in the country, yet we receive substandard service. There are fewer authorized service facilities, greater distances between repair shops, and higher transportation costs, factors USAA fails to accommodate in its policies. \n\nIf I am paying significantly more for coverage than a member in the lower XXXX states, I should expect equal or better service, not a company that tells me my car will be sent to XXXX XXXX XXXX because it is within XXXX miles, even when that shop lacks the expertise to handle a XXXX hybrid or other complex vehicle. When I take my XXXX to the authorized dealership, even they must often call the mainland for technical assistance. That should tell USAA how limited local expertise can be, and why sending my car to a generic auto shop is unacceptable. Now I am even very concerned about driving my car in Alaska and being stranded on the highway during negative degree temperatures. \n\n\nXXXX. The Base Access Problem, Another Example of Disconnect In another case, I was on base for a meeting when my car had a flat tire. I called USAA for roadside assistance, but the towing company they dispatched could not access the base because they lacked the required clearance. As a military-focused company, USAA should have known that many of its members live or work on base and should ensure that contracted tow providers have base access. Once again, I was left to solve the problem myself, paying another company out of pocket to change a simple tire. \n\n\nXXXX. The Loss of Trust After XXXX decades with USAA, I am deeply disappointed to see how far the organization has strayed from its core values. There was a time when USAA stood for service, loyalty, and trust, values that every military member recognized and respected. Today, those values seem to have been replaced by impersonal policies, untrained representatives, and a lack of genuine care for the members who make this company possible. \n\nI have spent the last XXXX days trying to resolve these issues, requesting multiple times to speak with a supervisor. No one has called back. Each time I reach a new representative, I must start from the beginning, repeating my story as they read from their policy manual. I had to take a break this weekend just to give myself a mental rest from the frustration of dealing with USAA. \n\n\nXXXX. A Call for Change USAA must take immediate steps to restore trust within the military and veteran community. I urge the company to : XXXX. Re-evaluate its XXXX towing policy for states and territories with limited authorized repair facilities. \nXXXX. Provide accurate and consistent information by ensuring representatives are properly trained. \nXXXX. Establish specialized support lines for Alaska, Hawaii, and overseas members to address their unique challenges. \nXXXX. Ensure all roadside contractors have base access where military installations are common. \nXXXX. Restore accountability by requiring supervisors to return calls and follow up on unresolved issues. \nXXXX. Reaffirm the companys mission to serve, not exploit, the military community. \n\n\nConclusion USAA is using the military but not truly serving the military. The company has lost sight of its founding purpose, to provide exceptional service to those who serve and their families. Its current policies and customer service practices are not only inconvenient but also detrimental to the readiness and well-being of active-duty personnel, veterans, and their dependents. \n\nI am filing this complaint not only for myself but for every service member, veteran, and family who has felt abandoned by a company that once stood for something greater. USAA must be held accountable for its declining service, inaccurate communication, and failure to uphold the trust of those who have defended this nation. \n\nAfter XXXX years of loyalty, I never imagined I would have to write a letter like this. But I refuse to stay silent while USAA continues to profit from the military community without providing the level of care, accuracy, and integrity we deserve.","date_sent_to_company":"2025-10-28T18:34:43.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"99577","tags":"Servicemember","has_narrative":true,"complaint_id":"16867359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-10-28T18:18:09.000Z","state":"AK","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["USAA must be held accountable for its declining service, inaccurate communication, and failure to uphold the trust of those who have <em>defended</em> this nation. \n\nAfter XXXX years of loyalty, I never imagined I would have to write a letter like this. But I refuse to stay silent while USAA continues to profit from the military community without providing the <em>level</em> of care, accuracy, and integrity we deserve."]},"sort":[6.905012,"16867359"]},{"_index":"complaint-public-v1","_id":"4092260","_score":6.5503263,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"AMEX account ending XXXX I am writing this to document anything prior to collection activities or legal action by this company. \n\nI realize AMEX is huge. So big that they feel they can do whatever they want and have lost any connection to caring what the effect of their actions are on real people. So big they have an army of reps trained to create a firewall between their customers and any real human being on the other end. A legal department who plays the same games I used to play ... when I had a job and a career before this disaster. They write cardholder agreements 100 % in their favor, as I did writing contracts. With garbage clauses similar to \" it's up to our sole discretion to increase a card limit to ... whatever the heck we feel it should be. '' Blurring the line between whether they operate as a bank or a credit card company, but more aptly more like loan sharks. There is no real card limit, their useless response to that complaint I made was \" we don't want our customers to be embarrassed '' by a declined card. That's cute. It should be \" we make money off putting people in hock then we sue them or ruin their reputation if they don't pay up. '' The only relevant phone call they ever made to me after this disaster was from their fraud department asking \" how much money do you make? '' Apparently their security department or fraud department ... had no earthly idea until I told them. Upon learning I made XXXX a year and evidently I had decided out of the blue after five years of a low balance payed off always with no late or missed payments ... I just up and thought it would be fun to blow 1/3 of my yearly income in 36 hours. This is prima facia evidence of, at the very least, security incompetence or intentional disregard because they profit from ignorance. \n\nThe frustration of dealing with a company that operates this way, too big for it's own good, can drive a person insane. It drove me insane. Canned scripts. Low level employees with no authority to speak with any useful responses who pass you around from person to person until you just give up while the decision makers hide behind the scenes. To put it simply, they know you can't fight them, so they don't give a XXXX. You simply do not matter to them. \n\nMy life has been destroyed. In a large part because of this company. They have the documentation. They have my statements. I have spent a year and a half going back and forth with them, naively believing if I just provided one more document, one more police report, one more piece of evidence that I am telling the truth, one more phone call to explain what happened, that it would make any difference. I wasted over a year. Fighting a company who investigates ... themselves. The deck is stacked, there is no way to win. The only way to stop fraud is by robust security measures. Their security measures are XXXX. If my wife, with police in my home, calls them and tells them to cancel a card, security and safety demand they cancel the card. But instead I have spent countless hours on the phone with them trying to \" prove my case '' in a non existent court of law. They blew it. But they will never admit it, because putting people in hopeless debt is the way they make the biggest profits. \n\nThere was never any way I could win. Whether the police caught the scammers, whether the police tied it the merchants, whether I had them on tape, whether the scammers threatened my life, it doesn't matter because they couldn't pay AMEX. There was no money in finding the truth, therefore to their fraud or security, caring about that was a complete waste of their time. AMEX is in the business of profits. There is nothing wrong with that. But they couldn't give a hoot when someone is XXXX, scammed, or even when tons of evidence point directly to criminal activity, so long as they can't recover their losses. \n\nI gave them evidence of the fraud. How it works, what happened, how the merchant committed a felony crime, on tape. They don't care. Their goal is to push the liability onto the victim and pay the criminal. Because the criminal operating the scheme ... makes money for them. Period. The victim, broke and ruined, makes no money for them. Whether the cops caught them ... who cares. So there are more victims ... but AMEX doesn't care. Those victims are profit. A lot of profit, especially flowing through the criminal enterprises in XXXX who sent out people to run the scam. It's not up to AMEX to stop paying crooks, that's \" up to law enforcement. '' Law enforcement makes it a low priority ... because the criminals always get paid off. The only time AMEX defended itself was when the money was over XXXX because these crooks scammed a business account card. Look up the case AMEX. You won, which enraged the creep on tape who threatened me. \n\nI'm not going to play games with AMEX anymore. My life is destroyed. After this scam and endless calls to AMEX, I became XXXX and XXXX. I drank myself to death. I was threatened by these XXXX  claiming they were outside my home. The police were called. The office heard them, a \" threat to life '' report was filed. These \" merchants '' are not people who behave like a business. They behave like the mob. \n\nIn abject frustration, I called AMEX demanding to speak to anyone with any authority. I mistakenly said \" I'm gon na XXXX XXXX XXXX XXXX  if you can't put someone on the phone who can talk about this '' and hung up in total frustration. An hour later police were AT MY HOME, embarrassing me to other residents and my wife, who this creep tried to blackmail by threatening to send tapes to her ... to my home. Police showed up at my lunch, 8 of them, and took me to a mental facility where I spent 7 days in a hospital gown ... coloring with crayons and proving I wasn't crazy. I lost my job a week later. A XXXX year career in XXXX XXXX XXXX ... down the toilet. \n\nAnd ... .I 'm still paying AMEX. With no money, no job, and a XXXX career. I worked at XXXX for five years. Within four months of this XXXX, I was fired, I wrecked my car, I went nuts, and AMEX sent me to a place where I was coloring with crayons instead of managing a global contract department. Look at my XXXX profile. 500 contacts, 15 years in the industry ... fired at EXACTLY THE SAME TIME AMEX sent me to a looney bin. Because I was XXXX  by these people sent out to bring targets into these places. THAT '' S HOW THE SCAM WORKS.\n\nThis all could have been prevented if AMEX had listened to my wife, She called BEFORE THIS XXXX  HAPPENED. Warning the company things were not right, that I was potentially in danger because I don't engage in these kind of activities. She wouldn't have called the police otherwise. But AMEX ignored the warning. The simple act of issuing a new card, the \" inconvenience '' of three to five business days over a piece of plastic, cost me being XXXX, scammed, and no memory of it. \n\nI am XXXX. IT '' S ON THE COMMITMENT PAPERS GIEVN TO AMEX ... WHO GOT ME COMMITTTED. I take 6 prescriptions meds a day. When they dosed me with XXXX  or XXXX or whatever, it triggered a XXXX XXXX XXXX. I don't remember being there. I had to look up where they took me ... based on d/b/a names, not the legal names on the charges. It doesn't matter anyway, because NOBODY SPENDS XXXX DOLLARS IN 36 HOURS, BY THEMSELVES, ON A MONDAY NIGHT, MAKING XXXX A YEAR. \n\nIt's preposterous. Any credit card company ( I have a perfect payment record even today ) smells fraud. AND AMEX WAS TOLD DIRECTLY SOMETHING WAS WRONG. AMEX reversed charges the criminals made to buy goods online SENT TO THE SCAMMERS HOME ADDRESS, with information they lifted from the business. \n\nAMEX didn't listen. And now they want to pretend they were not warned. When I called and asked them why the card was not cancelled after I came out of that XXXX  state and got home in my own car ( I never drove to these places the people sent to these sports bars, etc drove me there ), the rep said we can't stop a card for security when \" a friend calls to warn us. '' That's how ridiculous it is. They don't even know who called them. Because they ignored it. \n\nI'm sure their legal department will pick this apart to shift liability back and poke holes in my \" case. '' Forget them. This was about a life, which I no longer have.","date_sent_to_company":"2021-01-25T20:04:40.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"98109","tags":null,"has_narrative":true,"complaint_id":"4092260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-01-25T18:15:24.000Z","state":"WA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["They don't <em>even</em> know who called them. Because they ignored it. \n\nI'm sure their legal department will pick this apart to shift liability back and poke holes in my \" case. '' Forget them. 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