{"took":1102,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3886514","_score":33.08865,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Amex company is misleading Small Business owners to apply to its Business credit card and then damaging the customer personal credit score with hard inquires and false advertisings about being a \" Business '' credit card.\n\nThey send multiple emails and advertising to apply to their business credit cards and then lower the FICO credit score.","date_sent_to_company":"2020-10-07T21:09:54.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"3886514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-10-07T19:36:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["Amex company is <em>misleading</em> <em>Small</em> <em>Business</em> <em>owners</em> to <em>apply</em> to its <em>Business</em> <em>credit</em> <em>card</em> and then damaging the customer personal <em>credit</em> score with hard inquires and false advertisings about being a \" <em>Business</em> '' <em>credit</em> <em>card</em>.\n\nThey send multiple emails and advertising to <em>apply</em> to their <em>business</em> <em>credit</em> cards and then lower the FICO <em>credit</em> score."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> opened as result of identity theft or fraud"]},"sort":[33.08865,"3886514"]},{"_index":"complaint-public-v1","_id":"4742509","_score":19.935556,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This letter shall serve as a formal complaint against American Express regarding violations under the XXXX XXXX with their credit card product. The applicant applied for an American Express XXXX XXXX credit card online on XX/XX/XXXX. He called American Express customer service and explained to the representative that he wished to apply using his business LLC EIN, and there was no space on the application to enter his EIN. The American Express representative instructed the applicant to call back to American Express after the application was approved, and he received the card in the mail to add his business EIN. The applicant was approved and did receive the card in the mail. \n\nHowever, when the applicant called American Express to have his business LLC EIN added to the card, as instructed, he was advised by the American Express representative that the card was issued in his name solely as a sole proprietor and unable to add his business LLC EIN. The American Express representative then informed the applicant that he needed to activate the card before adding his business LLC EIN to the card. After the American Express representative activated the card, the representative told the applicant they could not add his business LLC EIN because the card was solely in his name. The applicant explained he did not want to activate the card because it was not the product he applied for and asked the representative why she activated it without his consent. The American Express representative replied, \" I am sorry I activated in error because I am new to this position. '' The applicant explained this was not the product he wished to obtain and advised that American Express misled him when the representative provided false information when told he would be able to add his business LLC EIN after the card arrived in the mail. American Express then told the applicant that he would need to cancel the American Express XXXX XXXX credit card issued solely in his name and reapply for another American Express XXXX XXXX credit card using his personal and information and business LLC EIN. The American Express representative then canceled the American Express XXXX XXXX credit card, and the applicant completed a second application at the directive of the American Express representative. The applicant provided his social security number, date of birth, home address, financial figures, and business LLC EIN. The representative gathered all the information and told the applicant to hold, and the call disconnected. \n\nThe applicant waited for someone from American Express to call him back after the call disconnected, but no one called back. The applicant called back to American Express and explained he was in the middle of submitting a second application due to misinformation provided by American Express. He also explained that the call disconnected without anyone from American Express calling him back. The American Express representative advised the applicant that the second application was denied as it was \" a ghost card and considered a duplicate application because American Express approved the first application. '' The applicant expressed that American Express 's actions were unfair, and their abusive practices resulted in him receiving a product without his business LLC EIN, and now had two hard inquires on his credit due to American Express providing misinformation. The applicant requested to have all credit inquires American Express performed removed from the credit bureaus. The American Express representative told him that he would need to dispute the inquiries with the credit bureaus as they could not remove them. The applicant spent several hours on the phone with American Express, pleading and demanding they remove the credit inquires resulting from misleading and deceptive practices from American Express, but to no avail. \n\n\nThe applicant called back a few hours later to American Express and requested a supervisor. He gave verbal authorization for his finance to speak to the American Express representative on his behalf because he was in distress and could no longer speak. His finance talked to the representative, explained the issue, and requested to speak to the representative 's supervisor. The representative told his fiance to hold while she located a supervisor, but the American Express representative blindly transferred the call to an automated system. His fiance held for another representative and spoke to American Express representative XXXX XXXX. His fiance described the events and requested a supervisor. The American Express representative reached her supervisor. The customer service supervisor stated he would log the complaint as he has seen this issue happen numerous times when applicants using American Expresss website to apply for an American Express XXXX XXXX card trying to use their business EIN. The customer service supervisor then transferred his finance to the new accounts department to discuss the denial of the second application. His fiance explained to the customer service supervisor that the practices American Express used to lure the applicant into obtaining a credit card were deceptive and misleading to the least sophisticated consumer. She explained she believed their actions were to deter minority small business owners from obtaining business credit. As a minority small business owner herself and customer of American Express since XXXX, she is considering canceling all her accounts with their company due to the unfair treatment the applicant received from them. The customer service supervisor apologized and transferred his fiance to XXXX in the new accounts department. \n\nXXXX asked that his fiance hold while she researched the account, came back to the line, and advised her that American Express canceled the initial card and the applicant could apply a third time. His fiance explained that the applicant already applied twice at their direction and doesn't want to do business with this company and wants all credit inquiries removed from his credit due to American Express providing false information to the applicant. XXXX stated she was unable to have inquires removed. His fiance requested to speak to her supervisor. XXXX asked the fiance to hold while she attempted to locate a supervisor. XXXX then returned to the line and advised the fiance that her supervisor was available because he was on another call servicing another customer and would have a supervisor call back in 24 hours. His fiance stated she would hold until the supervisor finished the call he was servicing. XXXX then transferred the call to a supervisor named XXXX XXXX. Mr. XXXX said he saw in the records where Mr. XXXX applied for the first card on XX/XX/XXXX and saw where he had to spoke to a representative on XX/XX/XXXX. Mr. XXXX stated he would investigate and have the call from XX/XX/XXXX and all subsequent calls reviewed and would call back in 24 hours, but could not guarantee any results.","date_sent_to_company":"2021-09-22T05:19:53.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"14211","tags":null,"has_narrative":true,"complaint_id":"4742509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-09-22T00:26:16.000Z","state":"NY","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["His fiance explained to the customer service supervisor that the practices American Express used to lure the applicant into obtaining a <em>credit</em> <em>card</em> were deceptive and <em>misleading</em> to the least sophisticated consumer. She explained she believed their actions were to deter minority <em>small</em> <em>business</em> <em>owners</em> from obtaining <em>business</em> <em>credit</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[19.935556,"4742509"]},{"_index":"complaint-public-v1","_id":"6409673","_score":18.480167,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX PAYPAL sent me an email at XXXX EST stating \" Congratulations, XXXX XXXX XXXX! XXXX been selected to apply for the PayPal XXXX XXXX XXXX. \". On XX/XX/XXXX PAYPAL sent another email stating \" Thank you for your recent PayPal XXXX XXXX XXXX credit card application. We regret to inform you that we were unable to approve your application for a PayPal XXXX XXXX XXXX credit card account ''. PAYPAL is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. \n\nI, XXXX XXXX, the consumer and natural person, was denied credit by PAYPAL when I mislead to applied for the PAYPAL XXXX XXXX XXXX Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by PAYPAL due to the response I received. PAYPAL is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. \n\nFurthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PAYPAL. \n\nIf PAYPAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. \n\nThank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved","date_sent_to_company":"2023-01-08T04:40:14.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"170XX","tags":null,"has_narrative":true,"complaint_id":"6409673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2023-01-08T04:01:21.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["XXXX been selected to <em>apply</em> for the PayPal XXXX XXXX XXXX. \". On XX/XX/XXXX PAYPAL sent another email stating \" Thank you for your recent PayPal XXXX XXXX XXXX <em>credit</em> <em>card</em> application. We regret to inform you that we were unable to approve your application for a PayPal XXXX XXXX XXXX <em>credit</em> <em>card</em> account ''. PAYPAL is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned <em>Small</em> <em>Business</em> and its <em>owner</em> 's personal private non-public data."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[18.480167,"6409673"]},{"_index":"complaint-public-v1","_id":"10002007","_score":17.572119,"_source":{"product":"Credit card","complaint_what_happened":"Peace & Love To All Who Read This! \n\nI applied for a card and got denied. Prior to me applying for one of the cards, I received dozens of emails from Capital One stating that I was preapproved for their cards. Since I never had any accounts with them, that means the credit card agencies were selling them my information illegally and without my permission. After I was denied, I never received any letters or emails stating why or providing the reference number. They just took my application and ran to the bank with it literally. Regardless of the reason for being denied I have a right to credit in a consumer credit transaction. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied. \n\nAccording to your prospectus and XXXX documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that as well. \n\nAssets Primary Assets of Master Trust - Receivables in unsecured consumer and small business revolving credit card accounts You may have sold all rights, titles, and interest of the receivables ( COMET ), but Im the beneficial owner and noteholder. You're being paid! Not only that, but you also got the original issue discount ( OID ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME! \n\nYou are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In XXXX XXXX XXXX","date_sent_to_company":"2024-09-03T19:49:25.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"10002007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-29T00:49:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Once approved for the <em>card</em>, I know that youll also be selling that as well. \n\nAssets Primary Assets of Master Trust - Receivables in unsecured consumer and <em>small</em> <em>business</em> revolving <em>credit</em> <em>card</em> accounts You may have sold all rights, titles, and interest of the receivables ( COMET ), but Im the beneficial <em>owner</em> and noteholder. You're being paid! Not only that, but you also got the original issue discount ( OID )."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[17.572119,"10002007"]},{"_index":"complaint-public-v1","_id":"2901905","_score":16.227428,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against IC System. \n\nIC System is a debt collecting agency based out of XXXX XXXX MN. XXXX, located at XXXX XXXX XXXX XXXX or XXXX  XXXX. Tel XXXX. \n\nThey were hired by a XXXX XXXX to collect a debt of {$8900.00} from me for uncompleted service. \nInitially when I got a letter from IC systems on XX/XX/XXXX, I sent a letter back to IC systems disputing the debt. In the letter I attached a copy of the \" Term and Fees Schedule addendum ( Also attached ). \nThe addendum that I signed stated that a payment of {$8900.00} would be due if a minimum guarantee of {$80000.00} in loan amount was acquired. In my letter, I stated that the minimum guarantee per contract had not been met and that's why I am not obligated to pay. \n\nIC system, then forwarded my letter of dispute to XXXX XXXX, who wrote back to IC system stating that they had acquired loans in the total amount of {$82000.00} and on XX/XX/XXXX I received the letter from IC system stating that they had been provided information validating the debt. They forwarded me a copy of a list of credit lines that XXXX XXXX  claim as approved and received ( Attached ). \n\nThe IC letter dated XX/XX/XXXX to me ( attached ), also stated that \" If you still question the obligation to pay, contact our office immediately. Since the list showed credit lines in my name that I was not aware of, I called the banks to ask if I had any existing credit lines in my name in the credit amounts listed that I was not aware of that were opened in the first quarter of XXXX, since XXXX started applying on my behalf during XXXX - XXXX XXXX XXXX. Every bank I doubted to have a credit card with them, confirmed that I didn't have any credit lines with them in the amounts stated which had been opened in that time period. \n\nThat very night, I wrote a letter back to IC system ( attached ), indicating what credit lines on that list were legit and which ones were not legit. I mailed that letter with the copy of the verified credit lines from that list on XX/XX/XXXX and mailed it the next morning. The verified credit lines amounted to {$37000.00} and only 2 of the credit lines were in the business name yet according to the initial promise from XXXX XXXX all credit lines were to be business. \n\nPlease check XXXX to see how misleading their website is to small business owners. They appear to be a real financial company that will give you good size loan at 0 % for 12 months, sounds appealing and then they collect all your personal information for the approval and then turn around and start to apply for multiple credit cards on your behalf and at the same time coach you how to lie to the banks if you get a call. If there wasn't anything misleading and fraudulent, they would tell you straight up on the first call and on the first page of their website state their services as \" We will apply for multiple credit cards on your behalf for 10 % commission, but that is not the case. Please look up their reviews from other small business owners that have been scammed. \n\nBack to the story, Later that day I got notified by XXXX XXXX via email that there were collection debts in the amount of {$8900.00} reported to my name on the 2 of the credit bureaus.\n\nIssues with IC system : 1.Why did they report my account on a debt that had an unresolved dispute?\n\n2. Why did they send me a letter dated XX/XX/XXXX and received XX/XX/XXXX and then report my account to the bureau on XX/XX/XXXX, without giving me a chance to respond. \n3. Why did they say on the letter dated XX/XX/XXXX that if I still questioned the obligation, I should contact them immediately and yet turn around to report my account to the agency without giving me a window of time to receive the letter and respond accordingly? \n\nI immediately called IC system, I spoke to the first lady and expressed the above stated issues, she would not listen to my questions, she was rude on the phone and told me that they didn't have to wait for my response and asked me if I wanted to make a payment. Noticing that she couldn't listen to me, I decided to end the call and call again and hopefully find someone else to talk to. \n\nI immediately called back and spoke to a gentleman by the name XXXX, he noticed that I just called and so I gave him a quick history of the situation and asked, why was I reported to the bureau on disputed account and why didn't they give me a chance to respond and why was my credit score being ruined unfairly? I also asked what was their standard procedures on accounts that were in dispute? \n\nAfter putting me on hold, he came back and said, their client was XXXX XXXX and they don't have to wait nor giving attention to my second dispute, they only consider first dispute and once they get back more information from their client, they would not be open to second dispute. I asked then, why does your letter tell me to contact you immediately if I still question the obligation to pay, yet you would not honor the very statement in your letter to me? He didn't have an answer for me and could not escalate the issue to someone higher either. \n\nAt that point, I told him that I was going to seek help and consult with CFPB and the bureaus to protect my already excellent credit. \n\nSo that is my story and I am sticking to it, please let me know if any questions and appreciate your help looking into this case.","date_sent_to_company":"2018-05-14T11:57:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"98023","tags":null,"has_narrative":true,"complaint_id":"2901905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2018-05-10T00:00:40.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If there wasn't anything <em>misleading</em> and fraudulent, they would tell you straight up on the first call and on the first page of their website state their services as \" We will <em>apply</em> for multiple <em>credit</em> cards on your behalf for 10 % commission, but that is not the case. Please look up their reviews from other <em>small</em> <em>business</em> <em>owners</em> that have been scammed."]},"sort":[16.227428,"2901905"]},{"_index":"complaint-public-v1","_id":"3269606","_score":13.074657,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/XXXX, I applied for a SunTrust Equity Line of Credit, with our own mortgage lender, SunTrust. I figured continuing the business with our own mortgage company would be a great idea, however, I was wrong. It has been a nightmare dealing with their loan department. The reason for applying for a loan was to help eliminate a lot of the credit card debt we had accrued. We have never been late on our mortgate and for them to treat us this way is UNNACEPTABLE. We needed about {$40000.00} to pay off ALL of my husbands cards and a few of mine. SunTrust ran my credit and I was advised that due to MY debt to income ratio they were not able to give me such a large amount. So, the representative Miss XXXX XXXX, NMLS ID # XXXX, Bank Officer/Loan Officer ( Client Care Specialist ), suggested that I re-apply jointly with my husband. Her thought process was that maybe 2 incomes would help with the calculation and value of home and income we both receive, etc. So, I applied jointly. Next steps were for me to submit a copy of my home owner insurance ( which my insurance brokers did the next day ) and she would schedule an appraisal once I agreed to move forward, which I did. However, I had to consistently keep following up with Miss XXXX, as she was not very responsive. I even told her in one of the phone calls, that I would appreciate a courtesy response acknowledging she had received documents. She agreed. I picked SunTrust due to the existing relationship I already had with them as our mortgage carrier, but now I regret it. A few days later we received a letter stating that we even though we couldn't get the full ' {$50.00}, XXXX, due to our home appraising lower than they expected ( about $ XXXX ), they only were able to give me {$16000.00}. ( But prior to that they also sent me an approval letter on XX/XX/XXXX stating they would consider {$21000.00}, but after appraisal an email from XXXX stated we can only get $ XXXX email and doc attached ) At this point we were discouraged and didn't know if even taking such small amount would be even worth it, so I started thinking of other options. Miss XXXX recommended I apply for a regular unsecured loan with the XXXX XXXX, and I did. I applied online for XXXX XXXX loan and was also denied. So now I have 2 hard hits on my credit report, which I want removed ASAP. \n\nOnce I got denied from the regular loan with SunTrust. I emailed and spoke to her XXXX and advised to move forward with the {$16000.00} process. At no point did she ask for additional documentation, in fact she stated she wouldnt need my spreadsheet with the credit cards because the amount was so little that I would be able to pay out the creditors on my own. She never requested paystubs, nor any additional documentation, she made it seem like everything was GREAT and we would be closing soon. I figured {$16000.00} is better than nothing.\n\nOne of the last conversations I had with XXXX stated that the closing could happen on Thursday, XX/XX/XXXX, ( at the local Branch in XXXX ) which I told her would be perfect because I had already scheduled a day off. So I emailed her on Wed, XX/XX/XXXX, wondering why I hadnt heard from her. I wasnt able to reach her on the phone so I reached out to Miss XXXX XXXX Vice President, Branch Manager II |  SunTrust Bank , Inc. Let me just say that she has been AWESOME. She has been the ONLY one that has even cared about our issues and she has been very apologetic about OTHERS mistakes. NO ONE else has accepted responsibility for their actions. I explained I was very disappointed that the closing was not scheduled and I was very discouraged with the lack of communication from Miss XXXX. So she was kind enough to call another department and get an update regarding our closing. This is the point where we received even more bad news. Miss XXXX conferences in another lady from another department who went on to tell me on the phone that OUR LOAN HAS BEEN DENIED FOR OUR application for the line of credit of {$16000.00}. IM LIKE WHAT!!? How Is that possible?? The lady on the phone admitted that SOMEONE DROPPED THE BALL and she had no further explanation. So after XXXX on XX/XX/XXXX I emailed Delilahs Manager, XXXX XXXX at XXXX to call me immediately. \n\nSo the very next morning ( Friday, XX/XX/XXXX ) my husband went into the branch to speak with Miss XXXX regarding this crazy situation. He explained his disappointment and how we have been unfairly mislead. If a bank gives an approval letter, WE EXPECT AN APPROVAL. I have never experiences such unprofessionalism and so much confusion. Once my husband went into the branch, I believe they spoke to a XXXX, head of the Loan Dept. He advised for XXXX to send in his business taxes and for me to send in my last 2 paystubs AND our personal taxes and once received he would look further into the situation. \nDuring the conversation XXXX and another rep named \" XXXX '' also stated to my husband XXXX that the reason we were denied was due to my chapter XXXX bankruptcy, which occurred in XXXX, which is 10 years ago! That reason was a lie, because I currently have a XXXX credit score and there is NO reason my bankruptcy wouldve played a factor in a denial of {$16000.00} limit. Then they stated oh its because you ( my husband ) is business owner. Excuse after excuse. We should NOT be going through all this drama for a {$16000.00} credit limit on our home equity. I can get that amount in a credit card ALONE! I dont appreciate the lies nor the run-around this company has given us. \n\nThe evening that my husband spoke to XXXX ( XXXX ) we submitted the taxes, the paystubs, everything they needed. Then On Friday XXXX, I finally get a call from Mr. XXXX explaining again that even though we have submitted ALL necessary documentation they STILL wont honor the approval of {$16000.00}. The reason given this time was due to the income on my husbands business. ( As if both of us combined cant afford this line of credit ). \n\nTrust me, as soon as a I get a chance we WILL be refinancing our mortgage with ANOTHER institution!","date_sent_to_company":"2019-06-10T15:29:02.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"30101","tags":null,"has_narrative":true,"complaint_id":"3269606","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SUNTRUST BANKS, INC.","date_received":"2019-06-10T13:56:17.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["That reason was a lie, because I currently have a XXXX <em>credit</em> score and there is NO reason my bankruptcy wouldve played a factor in a denial of {$16000.00} limit. Then they stated oh its because you ( my husband ) is <em>business</em> <em>owner</em>. Excuse after excuse. We should NOT be going through all this drama for a {$16000.00} <em>credit</em> limit on our home equity. I can get that amount in a <em>credit</em> <em>card</em> ALONE! I dont appreciate the lies nor the run-around this company has given us."],"issue":["Getting a line of <em>credit</em>"],"sub_product":["Personal line of <em>credit</em>"]},"sort":[13.074657,"3269606"]},{"_index":"complaint-public-v1","_id":"9557035","_score":9.425128,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX - agreed with XXXX XXXX XXXX field sales rep at my front door to quarterly services, at the rate of {$39.00} each, cancel anytime, no loop holes or extra fees. I agreed to quarterly services at the rate of {$39.00}. No documents were signed. No documents or paperwork was received by me by hand or electronically. \n\nNo communication by email or mail was ever received from XXXX XXXX XXXX identifying a contract between XX/XX/XXXXXXXX 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 I only received treatment services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only received treatment three times and my card was charged seven times. No monthly statements, invoices, or communication was sent to me.\n\nAfter review of these transactions and after further research into the company, it is evident they are predatory and take advantage of consumers. They lie and are deceptive of the services, fees and terms and conditions they actually offer. I was never told about any contract or any cancellation fees. The company 's representatives lie to your face and laugh at you on the phone when you call. They falsely create contracts. \n\nTherefore, on XX/XX/XXXX, I contacted XXXX XXXX XXXX  and requested they cancel services for my account. \n\nOn, XX/XX/XXXX, I heard back from XXXX XXXX XXXX representative, and was advised that \" you have a 1-year agreement and not yet completed '', \" and an early termination fee ''. \n\nI responded to XXXX XXXX on XX/XX/XXXX, and stated, \" What 1-year service agreement? I was not told this was a contract or that it has a required service term. That was never expressed or communicated to me. Please cancel. If you are adamant about a cancellation fee, I would like to speak to a supervisor and the representative that signed me up for services at my door. The one year requirement with a cancellation fee was never advised to me.. \n\nXX/XX/XXXX : XXXX XXXX  responded by text message, We have sent your account over to the retention/cancellation department. He will reach out to you to come to a resolution with you. \n\nOn XX/XX/XXXX, I received a call from XXXX XXXX, from XXXX. The male stated he was calling about my request to cancel and stated that I was unable to cancel without avoiding a cancellation fee because I had \" signed '' a one year contract. I repeated to him that I never signed a contract and that I was never advised of that information by his representative. I also advised him that I had done further research on their company and it appears this is how they treat consumers and they way of doing business, by lying. The male representative emailed me while on the call a copy of an agreement which clearly and evidently shows is not my signature. I expressed that to him on the call. This is the first time I ever say anything close to that document. At the time of the conversation with the sales representative, there was no distribution of documents, contract or anything. The male representative stated he could not speak to my experience of when I first discussed services with his field sales rep. and he did not want to discuss anything other than, was I going to pay him the cancellation fee over the phone or not. I asked the male representative that I was unsatisfied with his response and desired resolution and that I now requested to speak with the owner of the small business so that I may voice my concerns. The male representative stated to me, twice, \" trust me, you do not want to do that '', I am way nicer than him, \" trust me you do not want to do that ''. I told the representative that I took his response to me as a threat, that I demanded to speak to the owner of the business and ended the call with him. \n\nNo invoice and no further communicaiton was ever received from XXXX XXXX XXXX  after the call on XX/XX/XXXX. Nothing at all. \n\nOn Friday XXXX, XXXX, XXXX, McKenzie, Paul and Associates contacted my brother who is XXXX military on his personal cell phone, and who resides in North Carolina . I live in Oklahoma. The call was very concerning to my brother, and he was extremely concerned and worried for me. He stated that he believed the call was from an attorney or for a very serious matter. During this time, I was under care the care at the XXXX XXXX  and was unable to return their call.\n\nNo correspondence or debt verification letter was ever received from XXXX XXXX XXXX nor McKenzie, Paul and Associates between XX/XX/XXXX and XX/XX/XXXX. \n\nOn Wednesday, XX/XX/XXXX, I contacted McKenzie, Paul and Associates by phone, at XXXX, and for the first time, I identified that the alarming reason for the call to my brother in XXXX XXXX military was in regard to a \" debt from XXXX XXXX XXXX for {$280.00} and some change, wherein McKenzie, Paul and Associates during the call threated to report negatively to the credit bureaus if I did not settle the debt on the date I called them, XX/XX/XXXX. The female representative who took my call and McKenzie, Paul and Associates, mentioned the owner of the company was willing to not report me to the credit bureaus if a payment was provided to them on the date of my call. My phone call to McKenzie, Paul and Associates was not verified. I was not verified at all, I was simply asked for my first and last name and the entire details of my account with them were disclosed. The female inappropaitely disregarded my communication with her during the call and spoke over me just to state that they would be pursuing payment for XXXX XXXX XXXX. I ended the call. I have received zero notices stating that I am in collections, or that they are attempting to collect a debt from me. McKenzie, Paul and Associates are inappropriately acting and conducting business against many FDCPA guidelines. Below are several, but not all, of my concerns with their practices : Fair Debt Collection Practices Act 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( XXXX ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 805. Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, A DEBT COLLECTOR MAY NOT COMMUNICATION, IN CONNECTION WITH THE COLLECTION OF ANY DEBT, WITH ANY PERSON OTHER THAN THE CONSUMER, HIS ATTORNEY, 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.\n\n807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.\n\nWithout limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. \n\n( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. \n\n( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. \n\n( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n\n( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. \n\n( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. \n\n( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n\n( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. \n\n( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \n\n( XXXX ) The false representation or implication that documents are legal process. \n\n( XXXX ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. \n\n( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. \n\n( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.\n\n813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or McKenzie, Paul and Associates has been rated extremely poorly by the XXXX and has earned a one star rating. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is their location. Other consumers have almost identical concerns about their practices as me. None of their XXXX  complaints have been resolved or responded to by McKenzie, Paul and Associates. \n\nXXXX XXXX XXXX has been rated with an F by the XXXX. They have over 100 complaints, identical to my experience and concerns with them between Texas and Oklahoma. They continue to take advantage of consumers daily. Most of their complaints are unanswered.","date_sent_to_company":"2024-07-19T05:06:15.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"73127","tags":"Servicemember","has_narrative":true,"complaint_id":"9557035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"McKenzie Paul & Associates","date_received":"2024-07-19T03:05:52.000Z","state":"OK","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I asked the male representative that I was unsatisfied with his response and desired resolution and that I now requested to speak with the <em>owner</em> of the <em>small</em> <em>business</em> so that I may voice my concerns. The male representative stated to me, twice, \" trust me, you do not want to do that '', I am way nicer than him, \" trust me you do not want to do that ''."],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[9.425128,"9557035"]},{"_index":"complaint-public-v1","_id":"15560627","_score":7.498461,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX SS # : XXXX Experian Experian P.O. XXXX XXXX XXXX, XXXX XXXXXXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\n1. Identity Theft XXXX  BANK Acct No : XXXX Bal : {$5600.00} As a consumer by law, this account must be deleted immediately. \n\n2. Identity Theft XXXX  CARD Acct No : XXXX Bal : {$830.00} As a consumer by law, this account must be deleted immediately. \n\n3. Identity Theft XXXX XXXX Acct No:XXXX Bal : {$190.00} As a consumer by law, this account must be deleted immediately. \n\n\n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).\n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes\nof consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes.\n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity\ntheft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-27T18:53:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10039","tags":null,"has_narrative":true,"complaint_id":"15560627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-27T18:48:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my <em>credit</em> report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\n1. Identity Theft XXXX  BANK Acct No : XXXX Bal : {$5600.00} As a consumer by law, this account must be deleted immediately. \n\n2. Identity Theft XXXX  <em>CARD</em> Acct No : XXXX Bal : {$830.00} As a consumer by law, this account must be deleted immediately. \n\n3."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[7.498461,"15560627"]},{"_index":"complaint-public-v1","_id":"5718929","_score":6.4044237,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom it may concern : The following is my complaint, as part of an affidavit, against Bank of America for racially discrimination, unfair, deceptive, abusive acts and practices, and breach of fiduciary duty, breach of trust, against me unreasonably, while depriving me of my rights, when the fiduciary agents have led me to believe that they would be working in the best interests of myself and my property and continued to perpetuate that belief in me when in reality more sinister actions were being conducted without my knowledge. Attached is either a zip file containing 118 exhibit files or the maximum allotted files by this website to support the claims made herein ; to support the fact that other consumers are engaging in their rights unobstructed ; to support the fact that both the fiduciary agents and the fiduciary institution have been placed on a lawful fiduciary notice ; to support the fact that I have recorded evidence that I was intentionally lied to, misled, and deprived of my rights as a consumer. \n\nPlease examine the complaint and the attached evidence, and if you are not the correct agency that I need to file my complaint with, I implore you to forward this complaint and the accompanying exhibits to the correct agency and provide documentation that, either you are the correct agency and you will be looking into the matter or that you are not the correct agency and that you have forwarded the complaint to the correct agency on my behalf. \n\nXXXX. That on XX/XX/XXXX, I went into the Bank of America branch located on XXXX XXXX XXXX, XXXX, Texas, XXXX, which is known as the XXXX XXXX XXXX XXXX. Having been greeted by XXXX XXXX, Assistant Vice President, she led me to the office of XXXX XXXX XXXX, Relationship Manager and Business Owner Specialist, because I wanted to open a new deposit account with the bank, despite the banks previous history of XXXX XXXX  against me. I have recorded the two interactions between me and the agents, on this day, in two recordings, because I was forced to leave and return with a current utility bill to open the account even after I had already provided to the agent the two required forms of identification ( where the law only permits two forms of identification not three forms of identification ), where one recording is one hour and seventeen minutes and fifty-nine seconds and the second recording is just fifty-eight minutes and twenty-nine seconds. The horrendous encounter does not entail me giving XXXX XXXX permission to use my private identifying information to run a background check on me in order for the account to be established nor is it specified ( disclosed ) to me that my social security information would be used solely to determine my eligibility in opening an account. What can be heard is me giving XXXX XXXX my permission ( consent ) to use my social security number solely for the purposes of applying for credit. That is the purpose that XXXX XXXX made me believe he was running my social security number for. It is at the end of the transaction, when I was about to live the XXXX XXXX XXXX XXXX and questioned about the credit application, where I discovered that XXXX XXXX had not even submitted a credit application. I only found out on XX/XX/XXXX from an adverse action Declination Letter sent to me by Bank of America and XXXX XXXX, that my credit was ran by XXXX XXXX for the purposes of opening the account. It was never disclosed to me nor did I receive any disclosure notices that my credit would be ran for any other purposes than what I specified. And not only was my credit ran without my permission in a transaction that I didnt receive notification or disclosure on, but based on what was produced in the credit report, I was illegally denied services based on the credit report generated, which still baffles me because I left the XXXX XXXX XXXX XXXX with documentation and evidence that I had an active, existing account and I also received in the mail from Bank of America a debit card for the account prior to my receipt of the letter of adverse action Declination Letter. \na. During the encounters with XXXX XXXX, he was extremely unprofessional and rude with me and genuinely seemed as though he did not even want me to be in his presence. This became even more apparent when I began asking him ( as on his door is posted signage that alludes that he is a loan officer and can make loans as an Mortgage Loan Original ( MLO ) ) about TILA. He didnt even want to answer the questions I asked about TILA and it took me several attempts to even get the answer that I was looking for in regards to TILA from him and he seemed genuinely frustrated with me for even asking questions regarding the topic. I literally had to ask XXXX XXXX why he was getting upset with me and he tried to say that I was being XXXX with him. I honestly cant see how me asking him questions to protect my rights, protesting his abuse of my consumer rights, and being upset at being forced to disclose voluntary information would in any way, shape or form be considered as me being racially disparaging to him. In my first encounter with XXXX XXXX he asked if I was currently employed and I stated yes, because I both currently work part time at XXXX XXXX and have just started a financial company in the hopes of improving my current life. It appears that XXXX XXXX has purposefully lied and placed application and/or my account that I am unemployed, a fact I found out on XX/XX/XXXX from another loan officer in my attempt to apply for a loan. Near the end of the transaction, XXXX XXXX literally left me in his office alone after providing some of the required disclosures ( not all disclosures as is required by law and especially not the Texas Department of Savings and Mortgage Lending disclosures which may or may not govern him as a loan officer ) as he went out and played around on the phone directly outside his office with XXXX XXXX. \n\n13. That on XX/XX/XXXX, XXXX XXXX, Assistant Vice President, Financial Solutions Advisor, and XXXX XXXX, title unknown to me but stated by him to be the same position as XXXX so most likely Assistant Vice President, did receive from me an original signed and endorsed with notary signature copy b of the 1099-A along with the original copy of copy a that too was signed and endorsed with notary signature of 1099-A. These two also received a signed original copy of copy A for the form 1099-OID, a copy of the form 56-F, as well as a copy of the receipt showing that I had mailed the same foregoing instruments to XXXX XXXX XXXX the CEO of Bank of America. This occurred after I had went into the XXXX XXXX XXXX XXXX on that day in attempt to acquire and sign four loan instruments and was completely denied the opportunity to do so by both of these men. In fact, XXXX XXXX did indeed take the 1099-A, 1099-OID, 1040V, Form 56-F, and receipts from me and proceeded to lead me on with his false statements as if he had intended to act in my best interests, all the while misleading me with his sugar coated venom in order to have me leave the financial institution with no idea of the true machinations that were about to take place behind the scene. XXXX XXXX against me to deprive me of my right to physically sign the four loan agreements in violation of the Electronic Signature in Global and National Commerce Act is one thing, but leading me on to believe that you had been made aware of and accepted fiduciary responsibility in the transaction that has already been reported to the Department of the Treasury Internal Revenue Service in the amount of {>= $1,000,000} is another breach of fiduciary responsibilities and a unscrupulous/perfidious breach of the trust that I had placed in XXXX XXXX that sickens me to no end. A trust he continued to nonchalantly violate even as the next time I physically interacted with the man rolled by. XXXX XXXX was exceptionally rude and condescending to me throughout the entire encounter and made several blatant lies in attempt to make me believe that Bank of America first required me to consent to electronic communications and would not be able to allow me to apply in person for a loan application without first being pre-approved online. I know full well that pursuant to the E-Sign Act that a consumer has every right to refuse to do an application electronically and that if the consumer requests to physically sign a loan application the bank is required to provide a hard copy application to the consumer so that he may fill out the application and inspect the application to his liking. This is not the first time that I have been denied my ability to enforce/enjoy my basic consumer rights by Bank of America and its agents. \n\n14. That on XX/XX/XXXX, Bank of America Fraud Department agents placed a complete account restriction against me while I was on the phone with them detailing to them the transaction in question. The agent did inform me that I needed to go into the bank the following day in order for me to verify my identity but never disclosed to me that he placed a account restriction and the purpose of me having to go into the bank was due to the account restriction. He led me to believe that the purpose of me having to go into a bank was because my identity had to be verified in order for the transaction that I have been attempting to make for the past week or so finally commence. It wasnt until I was at work attempting to make a small purchase of snack and drink that I discovered that my card had been blocked and my access to online accounting restricted that I found out that he had locked the account stating in his notes that he did not believe me to be the account holder. The subsequent call had me question the very notion as in order for me to even speak with a representative of Bank of America I need to verify every account detail and then log into the account through the mobile app and give them authorization via the app before the agents of Bank of America are even willing to speak to me and assist me in any matter that I am calling about. Having done the same thing with fraud department agent XXXX and the agent prior to him, I still find it exceptionally hard to believe that he would have a difficult time believing that I am the account holder in any reason, way, shape or form. It took me having to go into a financial center to lift the restriction and even then I was unable to process the transaction that I have been attempting to make. \n\n15. That on XX/XX/XXXX, XXXX XXXX, title unknown to me as she claimed to not have a business card available to give to me but probably Relationship Manager, being rude and extremely unprofessional and laughing at me alongside many of her cohorts listed herein, when I came into the XXXX XXXX XXXX XXXX to provide the demanded identifying document and my debit card to lift the unfair restrictions placed against me, attempted several times to get me to either leave the financial institution without the assistance I was told I should ask for or not even do the task that XXXX XXXX and XXXX XXXX assigned to her. \n\n16. That on XX/XX/XXXX and the days after, Bank of America completely restricted and completely closed my account without giving me prior notice or warning, citing that notice was given in the contract ( a unilateral contract that I do not have a copy of anyone signing and where my own signature is missing ). On that day I had made several attempts to call into Bank of America and on the first couple of attempts I discovered that when putting in account information such as the last four digits of my private Social Security Account Number or the last four digits of my debit card, I would automatically be routed to an automated voice recording informing me that the bank was closed and would not be reopen until Monday-Friday between the hours of XXXX XXXX thru XXXX XXXX Eastern Time. However, if I leave out my information and press random prompts I am able to be routed to an agent and that is how I discovered that Bank of America, without having disclosed to me the reason as to why my account is being closed or for what reason for the closure, declared that for undisclosed of risks Bank of America was enacting its rights to closed the account for any reason without having to provide notice and would mail to me the reason as well as inform me of how I will be able to obtain my money after they have conducted their investigation and have closed the account. \na. Mind you, since this account closure process commenced a literal week after I went into the XXXX XXXX XXXX XXXX and physically hand delivered Department of the Treasury Internal Revenue Service Form 56-F Notice Concerning Fiduciary Relationship of Financial Institution that has the OMB Control Number of XXXX to Assistant Vice President XXXX XXXX and had the form mailed using the delivery service provider XXXX to both the Bank of America Headquarters/CEO XXXX XXXX XXXX XXXX with the tracking number XXXX, and the Department of the Treasury Internal Revenue Service , with tracking number XXXX XXXX it is clear evidence that Bank of America and it agents , including the CEO, is in direct breach of trust, is maliciously violating/breaching its fiduciary responsibilities of me and my estate, has deliberately and perfidiously under unscrupulous means, caused the closure of my account without benefit to me the beneficiary nor benefit to my estate, causing actual damages where damages are : i. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX iv. Deprivation of Rights v. Negligence vi. Misconduct vii. Actual damages, statutory damages, and all other such relief as per statutes viii. Where actual damages include : ix. Any funds remaining in the checking account at the time of fiduciary breach ; around {$900.00} x. {$500000.00} line of credit with Bank of America xi. {>= $1,000,000} ( interest included ) in four loans, personal, auto, home, business, with Bank of America that has already been filed and accepted by the Department of the Treasury- Internal Revenue Service via online filing of 1099-A xii. Where Bank of America has wholly or in part made a decision to deny me services based on a consumer report that may or may not have been provided by Consumer Reporting Agency, which is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) and the Truth In Lending Act ( TILA ) xiii. All of these have occurred against an American National entitled to Full Faith and Credit b. Where I can legally and lawfully seek relief in equity, relief in common law, relief in maritime jurisdiction, and relief in admiralty jurisdiction via i. A Class Action under Federal Rules of Civil Procedure Rule 23 ( Jury Demand ) ii. Award compensatory damages ( jointly and severally as well as severally ) iii. Award punitive damages ( jointly and severally as well as severally ) iv. Award treble damages ( jointly and severally as well as severally ) in courts of Article 1 where common law and equity jurisdictions apply v. Award treble damages ( jointly and severally as well as severally ) in courts of Article 3 where admiralty and maritime jurisdictions apply in equity or by law vi. Pre-judgment and post-judgment interest on monetary relief vii. The costs of bringing the suit, including reasonable attorneys fees, and viii. All other relief to which Plaintiff ( jointly and/or severally ) may be entitled to by law or in equity c. Where I have recorded audio of every encounter with as many agents of Bank of America thus far, I have the receipts for proof of mailing, I have certified copies from the Library of Congress to substantiate any other claim I may make, I have certificates of authentication to prove my Nationality and Identity sworn to and subscribed by the Secretary for the Department of State for the United States of America and his Officer of Authentications 17. That Bank of America and its agents XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, including agents XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX have engaged in direct willful violations of United States Codes pursuant to the Gramm-Leach-Bliley Act ( GBLA ) ( 15 U.S.C. 6801 et seq. ) ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 26012617 ) ; the Truth-in-Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) ; the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) ; the Fair and Accurate Credit Transactions Act ( FACT Act ) ( also 15 U.S.C. 1681 et seq. ) ; the Electronic Signature in Global and National Commerce Act ( E-Sign Act ) ( 15 U.S.C. 7001 et seq. ) ; the Economic Growth, Regulatory Relief and Consumer Protection Act ( S. 2155 ) ; the Privacy Act of 1974 ( 5 U.S.C. 552a ) ; the Unfair, Deceptive, Abusive Acts or Practices Act of the Dodd-Frank Act ( UDAAP ) ( 12 U.S.C. 5531 ) ; Generally Accepted Accounting Principles ( GAAP ) ; Generally Accepted Auditing Standards ( GAAS ) ; 42 U.S.C. 1981 ; Tex. Fin. Code. Ann 156.303 ; Tex. Bus. & Com. Code Ann. 17.41 17.63, Government Accounting Standards Board ( GASP ) Regulations ; Financial Accounting Standards Board ( FASB ) Regulations 18. That Bank of America has a recorded history of practicing racially biased, racially discriminatory behavior/policies/procedures against me and my estate, culminating in a settlement that I recently received from the bank after years of battle with the bank. The settlement between me and the bank also includes another 512 injured individuals that have faced the XXXX XXXX  banking practices of Bank of America in not only the State of Texas, but throughout the entirety of the United States of America in each and every state of America. I have the two settlement agreements and on numerous occasions of speaking with Bank of Americas representative made mention that I have a settlement with Bank of America in the hopes of preventing/circumventing all such practices and behaviors that are currently taking place against me right now. \n\n19. That I have never signed nor received a copy of any signed document that I have agreed to the diminishing, removing, waiving, obstruction, deprivation, destruction, of my or my propertys rights in any way, shape or form. I have not signed away my rights and even though Bank of America may intend to fraudulently demonstrate that I have signed away my rights I would never willingly or knowingly sign away my rights. To the contrary, I always sign any document in a way that reserves my rights pursuant to Uniform Commercial Code 1-308 C.F. Texas Business and Commerce Code 1.308. It is my right and I enforce my right at every chance I get. This is to ensure that in no feasible way, it can be presumed, assumed, construed, misinterpreted, interpreted, etc., that I have will ever intentionally, unintentionally, voluntarily, involuntarily, knowingly, unknowingly, purposefully, accidentally, ever waive any right substantive or procedural in any way, shape, or form. \n\n20. That it has come to my attention that according to Title 12 of the United States Code financial institutions such as Bank of America are required to follow GAAS Regulations, FASB Regulations, GAAP Regulations, the Yellow Book, the Green Book, the Gold Book, and according to these regulations Bank of America is required to follow the guidelines and procedures found in Statement of Financing Accounting Standards ( FAS ) FAS 125 ; FAS 140 ; FAS 133 ; FAS 5 ; FAS 95 ; These established FAS guidelines would allow Bank of America to convert the 1099-A by whatever established conversion method prescribed into the currency that I have requested and have been approved for by the United States XXXX Treasury as a non-repayable loan, securitize the loan instruments so that Bank of America can follow other established procedures detailed in various Federal Reserve Bank publications detailing how to convert consumer promissory notes such as loans so the bank can net profits from at least 10-20 times the face value of the loans. However, because of the continuous discriminatory behavior that continues to persist even after settlement, the representatives of Bank of America upon my inquiry of TILA laws, have decided to deny the opportunity to even apply for a loan in violation of the E-Sign Act, and in breach of trust and in breach of fiduciary responsibilities have altogether caused further harm by closing the account and denying me asses to my own money. \n\n21. That I am aware of the fact that there are millions of other American Consumers that are able to engage in their right to report tax information on 1099-A and receive the funds/items that have been requested by the 1099-A with no issue or hinderance. Financial Institutions, Auto Dealers, Mortgage Brokers, and even Attorneys are aware of the fact and uses of the 1099-A and are allowing consumers to use their services or purchase their products with no issue. But because I have inquired of my TILA rights and have informed them of their fiduciary responsibilities Bank of America has decided with perfidy and unscrupulous indignation continued to trespass my rights and racially discriminate against me, causing the greatest harm a financial institution has ever caused me. \n\nNOTICE : It is stare decisis in such cases as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX XXXX v. United States, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX & XXXX XXXX XXXX XXXX. v. United States, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) Proof of an implied-in-fact contract comes not from an express agreement, however, but from conduct of the parties and The government enters into contracts with the public through contracting officers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX )","date_sent_to_company":"2022-06-29T04:08:34.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"75231","tags":null,"has_narrative":true,"complaint_id":"5718929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-06-29T03:38:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Having been greeted by XXXX XXXX, Assistant Vice President, she led me to the office of XXXX XXXX XXXX, Relationship Manager and <em>Business</em> <em>Owner</em> Specialist, because I wanted to open a new deposit account with the bank, despite the banks previous history of XXXX XXXX  against me."]},"sort":[6.4044237,"5718929"]},{"_index":"complaint-public-v1","_id":"16247873","_score":3.8994966,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'Victim: XXXX XXXXAddress of job: XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXPhone: XXXX  Email: XXXXXXXXTotal paid: $XXXX  XXXX XXXX XXXX XXXX check + $XXXX  XXXX  Chase bankXXXX XXXX XXXX Permit: XXXX for XXXX XXXX XXXX XXXX  in XXXX XXXX for new driveway extended and adding half circle driveway with curve blending into new patio. All plain concrete. XXXX PSI, 4 and 6approach, fiber mesh, expansion jointsXXXXSuspectsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (owner, collected deposit of $XXXX  on XXXX XXXX XXXX  listed as applicant on my XXXX XXXX XXXX permit paperwork XXXXXXXX XXXX XXXX XXXX XXXX (qualifier of record on my XXXX permit) XXXXXXXXTimeline of EventsXXXX contacted Michael De La Rosa of Decorative Concrete Driveways & Patios LLC at XXXX XXXXHe came to my property the same day, quoted $XXXX, lowered to $XXXX, then offered $XXXX. I didnt see at the time this is a tactic to offer too good of a deal to get me to sign a contract now.\\nHe wrote a $XXXX  contract requiring: 30% deposit ($3,000), 20% after permit approval/demo, 50% at concrete pour. (Photo attached)\\nAt his request, he preferred XXXX  only, I was only able to send $XXXX  via XXXX  to XXXX and $XXXX  XXXX XXXX XXXX check XXXX  payable to XXXX XXXX XXXX The check was cashed the same day. (Photo attached)XXXXXXXX assistant, XXXX XXXX, came to my house for me to sign XXXX XXXX XXXX permit paperworkXXXX  asked XXXX  for a survey drawing. The drawing he sent omitted sections we had discussed. I sent him a marked photo showing the missing areas, and he confirmed in text they would be includedXXXX checked the XXXX XXXX XXXX  portal and saw a permit application submitted for my address.\\nThat evening, XXXX  called and said he wanted to start and finish the entire project the next day XXXXXXXX a text message, he stated all work would be completed in one day, including demo, framing, and concrete pour.\\nI responded, lets wait for permit approval. He did not reply Until the bank notified him the check was filed as fraud and they clawed back the $XXXX  check only. (Exhibit E  TextsXXXX paid $XXXX  permit fee directly to the XXXX XXXX XXXX.\\nThe City denied the permit for missing zoning/survey affidavit and property owner section.\\nAt XXXX  request, I signed a survey affidavit the same day. No corrected documents were filed afterward and had no updates since. Additionally I asked her to confirm the survey drawing was updated multiple times and did not hear back regarding thisXXXX texted XXXX  for updates. On XXXX she said she was meeting with XXXX  and would update me. No updates followed.XXXX XXXX XXXX confirmed nothing new has been added to my permit. Which means XXXX  did not upload the survey affidavit she asked me to sign. I also discovered there was another document needed signed per the denial which she did not have me complete. I started researching into XXXX  more and his past companies.\\nIt should be noted XXXX, and his current XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and even past dissolved XXXX XXXX XXXX XXXX  all have a XXXX  rating of F with multiple negative reviews and complaints showing a pattern of collecting deposits/not completing work/or disappearing. All this information was unknown at the time I gave a deposit. There were no good reviews except on his social media which he posted of a sheet of paper (my belief is these could have been created by XXXX, printed and posted).\\nAdditionally on my Permit the contractor name is XXXX XXXX XXXX XXXX XXXX. Who Also has XXXX  rating of F multiple complaints. Michael lied about being licensed and insured and this  XXXX  name or company was never informed to me and I paid XXXX  and XXXX XXXX XXXX XXXX XXXX XXXXSo at this time, I have discovered multiple negative reviews specifically naming XXXX  and his company taking deposits and not completing jobs. I also discovered dissolved XXXX  in his name with same issues and even the contractor on my permit (XXXX XXXX XXXX XXXX XXXXFurther researching, I learned that contractors may use stall tactics making it seem as if they are waiting on permit, when really they arent submitting corrections, waiting on the Bank deadlines to pass before completely disappearing. So then I would miss deadlines for calling check in as fraud making it harder to get my money back.XXXXHaving seen no corrections filed since XXXX, and with deposit deadlines approaching, To protect myself, I called XXXX XXXX XXXX  explained what is happening and they assisted with reporting the $XXXX  check as fraud. They placed a hold on the funds (heard this only from XXXX) since XXXX XXXX XXXX can not tell me whats the status of another persons account. But it appears the money is on hold until they finish their investigation.XXXXXXXXConfirmed with city building dept and they stated still no resubmissions since the denial of XXXX also Text both XXXX and XXXX  for updates to see if I get a response and if so I could ask why nothing has been submitted to permit- couple hours go by nothing. Last contact with XXXX at this point was him not responding to me when i saidlets wait for permit to be approved. This is a clear violation he wanted to start job in one day without permitXXXX  called me sounding angry about the bank action. He then texted: My bank just called you reported the check as fraudulent. We are ending services today fees may apply. \\nI requested a refund. He refused, including for the XXXX XXXX. I respond in text:- Based on everything Id like full refund. You wanted to start and finish work on the day permit was submitted. You said the bank took out XXXX  from you to return to me, I still paid the additional XXXX XXXX payment which needs to be refunded. No work has been started. I spoke with XXXX XXXX XXXX building. There hasnt been any revisions uploaded made to permit after signing new survey document. It is also still missing additional documents. Reviews based on your name and businesses. Have numerous complaints of taking deposits and not doing work. Stalling and therefore making it harder for banks to retrieve money XXXX, The fact is I paid you XXXX XXXX  check + XXXX XXXX) no work was done, and the permit was denied with no resubmission. I need a full refund. If I dont receive it within 5 business days, Ill move forward with small claims, Attorney General and DBPR complaints, and other remedies. I waited days after your assistant said shed give me an update. You also didnt acknowledge after i said lets wait for permit , you clearly said in text you wanted to start work and complete in 1 day before permit was approved all based on your assistant said go ahead..which is a violation. The city also confirmed no revised paperwork has been submitted since the permit denial on XXXX Given the lack of communication and progress, I had no choice but to contact the bank to protect myself due to bank deadlines. I still expect a full refund of $XXXX. Just because the bank took $XXXX  out of your account doesnt mean I automatically get that til the investigation is complete. I also XXXX you $XXXX  which I need back. Im familiar with local and state laws and no work has been started. XXXXXXXX  responded via text:- Goodmorning $XXXX  Money was taken out of my account Ive had good and bad clients. I hire a permit assistant to deal with the permit and its not free. I can continue to work on the permit until its approved and we can touch base then. If you want the addresses I can send them over so you can see completed projects I dont take peoples money just to take it. I work very hard hands on. The whole process is work including the permit, all the run around\\nI respond via text:- Good morning, thank you for the response. Ive been scammed before by contractors who stalled until it was too late for me to get my money back, so I cannot take that risk again. If you are serious about completing this job, the only way forward is to start fresh. That means refunding my full $XXXX  deposit now ($XXXXXXXX XXXX XXXX XXXX check). The simplest way is to XXXX  me the $XXXX  directly. Once thats complete, I will notify Bank that the matter is resolved. After the permit is approved and the job is fully completed (with no issues or mid-project demands for more money), I will pay the full balance  and to show good faith, Im even willing to increase the final payment by $XXXX  (so instead of $XXXX, it would be $XXXX). I understand most contractors use deposits, but given the history of issues and complaints, the only way I can move forward is with full payment at completion. If the only way you will do the job is with a deposit, then it must be paid by credit card so both sides are protected. If these arrangements do not work for you, then I simply need my $XXXX  refunded by WednesdayXXXX XXXX XXXX XXXX XXXX  responded:- The $XXXX has been depleted already from my account and its in the air because Im guessing you dont have it either so now we gotta go through a 90 day process from the bank with your permit might be approved way before then and this money still gonna be on hold so unfortunately there is nothing to return. It has already been depleted out of my account and Im still working on our side trying to get your permit approved so how is that fair? and I am not making this up. I have the proof also there was Notary that was paid for to submit your permit. XXXX  doesnt work for free either. She gets paid as well to answer your phone calls and submit the permits so unfortunately, as of right now the money is in the air and Im waiting for your permit to get approved to get demolition started and concrete. Pour as agreed upon the only problem now is the $XXXX  in the air and your permit will be approved as soon as next week or this week. I just gotta make the revisions\\XXXX  is only concerned about the $XXXX  depleted from his account. He does not acknowledge there is still a XXXX XXXX  payment. He claims to still be working on my permit but he just needs to make revisions which he has not done since we talked about the missing sections on the survey drawing on XXXX It is now XXXX  He also doesnt acknowledge starting fresh, and either yes or no on credit card or another secure form of payment. He mentioned twice now that he hired Dori as Permit assistant (later in this report, according to Dori who contradicts herself, she claims to been hired but then also not received any of my $XXXX). \\nI respond via text:- Florida Statute 489.126 requires that a contractor who takes a deposit but does not perform actual work must return the deposit. Work means tangible labor or materials on the job, not administrative tasks like paperwork or phone calls. Since no construction has begun and the City has not even received the updated survey drawing I requested, you are legally required to fully refund my $XXXX  deposit. Please XXXX $XXXX  immediately to my cell and I will notify Bank to release the hold on the check. My deadline remains XXXX XXXX XXXX  The City denied the permit on XXXX  for a missing affidavit and another document. I signed the affidavit that same afternoon, yet nothing has been resubmitted since. The updated survey drawing I texted you about on XXXX, and which you acknowledged on XXXX  with yes, has also never been filed with the City. In your own words you said you just gotta make the revisions. If thats the case, why has nothing been resubmitted since XXXX? As of today, the City still has not received the affidavit I signed on XXXX  and has never seen the updated survey drawing you agreed to include prior to the initial permit application. \\n\\nHe did not respond furtherXXXX XXXX XXXXXXXX went in person to the XXXX XXXX XXXX  Building Dept.\\nStaff confirmed my file contained a XXXX XXXX XXXX  survey, not my property survey. I was told no valid resubmissions had been filed since the XXXX  denial.\\nI signed a form blocking XXXX from further changes. (Did not work see below)\\nI requested and obtained a printout showing the wrong survey attached to my permit. (Photos attachedXXXXOn Friday XXXX I send identical texts to both XXXX  and XXXXFriday XXXX  I textXXXX XXXX XXXX XXXX   this is XXXX  XXXX XXXXeviewed the permit paperwork you submitted to the XXXX XXXX XXXX XXXX  and the survey on file is for a different property in XXXX XXXX  not my address. That means no valid permit was ever submitted for my driveway and the documents you provided are demonstrably incorrect. I paid $XXXX  ($XXXX  check and $XXXX  XXXX  payment) on XXXX for driveway work to be performed under a proper permit. To date no work has been done, no correct paperwork has been filed, and the City record proves the submission was for the wrong property from XXXX. This is evidence of misrepresentation and contractor Fraud and I will be documenting this as a Police report to be forwarded to economic crime investigators which will involve review by the State Attorneys office and comparison with other similar cases I have already located. It should be noted I have located other cases in different counties with similar fraud. Showing all your names and incomplete permit paperwork. You cannot argue that work has been done regarding the permit since it was all wrong and incorrect. I have text proof you both XXXX  and XXXX  telling me you submitted My house survey when clearly you did not. And even the survey affidavit i completed on XXXX and still that wasnt even submitted.\\n\\nUnder Florida Statute 489.126 a contractor who takes a deposit but does not perform actual work must return the deposit. I demand a full refund of $XXXX  by XXXX  to XXXX to my account no later than XXXX XXXX XXXXXXXX  I do not receive the full refund by that date I will, without further notice, pursue all lawful remedies and complaints in the state of FL. This is your final opportunity to resolve this directly and avoid further legal action. I expect written confirmation of the refund and the XXXX of $XXXX  now and/or before the deadlineXXXX XXXX XXXX\\nAfter I texted XXXX  and XXXX  demanding a refund, a new survey was uploaded to my permit (Cannot confirm which survey since I wasnt there in person to get copy I only called and they told me at XXXX XXXX uploaded).\\XXXX texted (havent heard from him since XXXX XXXXnd it is now XXXX Im assuming because I included XXXX  and XXXX  in text): Youre gonna wait past XXXX  first so do what you need to do now! and again denied refund. He added peace sign XXXX\\nI responded to XXXX:- How do you think it is acceptable to keep any of the $XXXX  when no work has been performed and no valid permit was ever filed?As Ive already said: if you XXXX  the full $XXXX, I will notify XXXX XXXX XXXX that payment has been received and this matter will be considered resolved. That is the only way to avoid legal action.\\XXXX responded: AS I SAID THE FUNDS HAVE ALREADY BEEN DEPLETED FROM MY ACCOUNT! Bank has your money. If the wrong survey was submitted must been a mistake from all the attachments Im sure XXXX  has from all the customers we deal with. Not all the paperwork was wrong\\nI responded to XXXX XXXX even if you want to argue the $XXXX  check is tied up in the bank dispute, the $XXXX  XXXX  is not. Under Florida Statute 489.126, you must refund the full deposit when no work has been performed.Send $XXXX  by XXXX  now to (XXXX XXXX  If you do not, I will include this refusal in my DBPR complaint, police report, and civil claim. The deadline for the full $XXXX  remains XXXX XXXX XXXX has not respondedXXXX responses:\\n\\nThe next few text threads is with XXXX  from the same text I sent on XXXX addressing all three subjects.\\XXXX  tried calling me however I asked if she meant to call in text and I stated text works for now, Im busyXXXX also texted XXXX : can you explain to me what happened? On XXXX  you didnt reply after I reached out, and Ive since found out the survey filed was for a completely different property. I need to understand why nothing correct was submitted. (Last text from her was XXXX saying will get update)XXXXXXXX  responded: Im not sure what you mean by contractor fraud. There may have been a simple mistake with uploading the wrong document, but thats unrelated to the timing of the permit submittal. I submitted all required applications when they were due.Im still waiting on XXXX  to provide specific information - Ive submitted the application on our behalf and can only move forward once he communicates back. Could you please clarify what youre referring to with contractor fraud and the XXXX deposit? From my side, theres no fraudjust a wrong document upload that I already corrected.Thank you,XXXX\\nShe acknowledged a mistake was made uploading document. She states waiting on XXXX  for info (from XXXX Even though I have asked multiple times and she was meeting with him on XXXX. She appears to be trying to distance herself once I mentioned legal action. But it is clear to me she was not going to respond to my update texts from XXXX (same date XXXX  found out I reported the check).XXXX  responded: XXXX XXXX XXXXXXXX XXXX XXXX XXXX confirmed to me in person that the only survey filed was for a different property in XXXX  from XXXX. That is not a simple mistake, it means no valid permit for my property was ever in review. I paid $XXXX  for work on my address under a valid permit. That has not happened. Even the affidavit I signed on XXXX  was never submitted. This is why it rises to misrepresentation and fraud under Florida law. You told me via text that my survey was submitted when clearly it was not, so you are part of the misrepresentation whether or not XXXX  gave you the documents. You both have until XXXX XXXX XXXX, to return the $XXXX  in full via XXXX. Permit paperwork is not work  Florida Statute 489.126 requires the deposit to be refunded. If the refund is not received, I will move forward with my police report, DBPR complaint, and civil claim against everyone involvedXXXX responded: XXXX XXXX XXXX XXXX does not have any XXXX XXXX survey on record for your application. What happened was a simple oversight on the detailed plan naming  I label all my submittals Detail Plan, and one version was misplaced. That mistake has been corrected, and the proper applications are already filed with the XXXX XXXX XXXX XXXX Original submittal XXXX XXXX to cancel, I can file the withdrawal with the city right awayXXXXShe states the XXXX XXXX XXXX does not have a XXXX XXXX survey even though I have printed copies of what she submitted under my permit. She then contradicts herself saying simple oversight labeling all her submittals detail plan. She says it has been corrected. Also it is highly unlikely she labels all submittals detail plan only because any computer would display a pop up saying file already named detail plan and therefore if its in the same folder she would have to label it different if thats the case she is claiming to have multiple files all labeled exactly the same?What i beleive she means by that is she is now trying to correct it because I called the city and they stated at XXXX she uploaded a survey (cant confirm the survey address since Im not there in person). It should be noted I was there in person this day at XXXX  and she should have been denied access.. it is my belief she is trying to correct it only now because I will be taking this to court. XXXX  had no intention of looking at my permit since XXXX (day bank notified XXXX  of fraud). XXXX responded: I confirmed with the City that a survey was uploaded today at XXXX XXXX, after I texted you about the wrong paperwork. You have not responded since XXXX This confirms there was no valid permit in review before today, despite your prior texts claiming otherwise.You also stated there was no XXXX XXXX record, but I have the printed proof. You then tried to explain it away as a naming error. Uploading a new document today does not change the fact that I paid $XXXX  on XXXX and no work was performed under a valid permit. Under F.S. 489.126, the deposit must be refunded. Deadline remains XXXX XXXX XXXX Please XXXX XXXX to XXXX XXXX. Do not make further submissions on my permit. Leave it alone  I will cancel it directly with the CityXXXX  responded: I was hired only for permit submittal and have no involvement with your $XXXX  payment that is strictly between you and XXXX, and I never received any of those funds. The survey is on record, and I can show you proof of the XXXX  XXXX  permit I submitted for that survey, which was accidentally attached to your permit because I was submitting both the XXXX  and XXXX  permits at the same time. The submittal with the wrong survey name was an unintentional naming error, not an attempt to mislead you. Im not perfect nor are you so I hope you can understand how that kind of mistake can happen. I will make no further submissions -  Please address payment issues with XXXX  and do not text me again.Thank you\\XXXXShe stated she was hired (just like XXXX  did claiming XXXX  needs to get paid for permit and answering my calls). She then contradicts herself saying she never received those funds. I believe she is trying to distance herself from working in concert with XXXX  committing fraud/theft otherwise why ignore my update texts?XXXXXXXX responded: Understood, XXXX. But since you are the applicant on my permit and confirmed false filings to me by text, you are part of this matter. Get with XXXX  and resolve it. If I do not receive the XXXX  refund by XXXX XXXX you will also be included in my police report, DBPR complaint, and civil claim. This is my final message to youXXXXXXXX  texted XXXX XXXX  the qualifier listed on my permit, to confirm whether he authorized XXXX  to use his license. He replied: I am looking into it I will contact you later today. He has not responded further. XXXXCurrent Status\\nAs of XXXXNo construction work has been performed at my property.\\nThe permit remains unresolved, with the wrong survey \\XXXX  refuses to refund either the $XXXX check or the $XXXX  XXXX. Or starting fresh by refunding me and taking credit card or secure payment form. \\XXXX  admits to submitting the wrong survey but distances herself from the money even though XXXX  stated he needed to pay XXXX  and XXXX  stated she was hired.\\XXXX  has not clarified his role, despite his name being on my permitXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  check #XXXX  (fraud hold in place, outcome pending investigation)\\n$XXXX   XXXX  to XXXX (Chase)  not refunded. Filing CFPB claim.\\nTotal: $XXXXXXXX XXXX XXXX XXXX have not responded since. No work has started and no additional permit paperwork has been worked on by XXXX XXXX XXXX. 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