{"took":71,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":33,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8162397","_score":20.98266,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX they stolen {$360.00} XXXX and XXXX missing from my checking account always something on Wednesday XXXX of XXXX I call PNC customer service to dispute two transactions which is {$2.00} and {$23.00} without my knowledge they canceled my debit I went yo XXXX to purchase my groceries I can pay for it I call again about my debit canceled the agent take it personal right now I'm tired dealing with the PNC Bank I addressing that concern tothe FDIC for compensation as a victime Enough it's enough. Sincerely. XXXX XXXX XXXX","date_sent_to_company":"2024-01-12T15:19:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"341XX","tags":null,"has_narrative":true,"complaint_id":"8162397","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-01-12T14:53:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX they stolen {$360.00} XXXX and XXXX <em>missing</em> from my <em>checking</em> <em>account</em> always something on Wednesday XXXX of XXXX I call PNC customer service to dispute two transactions which is {$2.00} and {$23.00} without my knowledge they canceled my debit I went yo XXXX to purchase my groceries I can pay for it I call again about my debit canceled the agent take it <em>personal</em> right now I'm tired dealing with the PNC Bank I addressing that concern tothe <em>FDIC</em> for compensation as a victime Enough it's"],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[20.98266,"8162397"]},{"_index":"complaint-public-v1","_id":"6411644","_score":20.924202,"_source":{"product":"Debt collection","complaint_what_happened":"Missing FDIC personal checking account funds from XXXX XXXX ( from multiple XXXX XXXX XXXXXXXX accounts since XXXX ) and mine ( from separate XXXX XXXX XXXX  account ) that are FDIC insured to pay the failed bank XXXX, XXXX XXXX and nationstar for the real estate contract that pays off the mortgage on our personal residence of 14 years at XXXX XXXX XXXX XXXX XXXX NM XXXX Those funds are misplaced, embezzled or misapplied to someone else 's account or incorrectly. \n\nThe loan was not an interest only we were told neither a reverse mortgage or had any other loan than the original XXXX loan. we were told is the same loan that got transferred to XXXX XXXX XXXXXXXX and sold or pennies to the dollar to nationstar, as servicers. \nWe paid ( see attachments ) but those FDIC insured checking account funds from our personal checking accounts at XXXX XXXX  XXXX are missing between the fiduciary and XXXX XXXXXXXX XXXX and nationstar. \n\nWe request to collect on them under the FDIC insurance because the payents were for house payments and not to be stolen. There is a papertrail i am sure you can investigate. \n\nWhere it is or can you please see the FDIC claim we did on the money, that was in XXXX XXXX XXXXXXXX for XXXX XXXXXXXX XXXX mortgage through the fiduciary XXXXXXXX XXXXXXXX \nWe bought a home in XXXX XXXX for the amount listed in the HUD and the XXXX XXXX of nm purchase contract. where XXXX XXXX used their vendor XXXX XXXX to collect on a seller financing XXXX dollar per dollar contract per mls financing advertising of the XXXX XXXX XXXX XXXX XXXX The XXXX listing was cancelled because we were told \" the buyers did not qualify '' and later on, the appraisal came after closing about 30K less than the sales price/mortgage value wrapped of XXXX We already bought so it was a done deal. The roof or part of it fell and leaked we did not get the invoice of the \" XXXX XXXX XXXX XXXX and did not exist. The pool had problems with water connection and we looked and no survey was done. \nWe started paying and the payment went up and one month in XXXX went up by XXXX XXXX We never got a note or amortization table and the hud statement did not show but the sales price that we were told was the mortgage balance. \nWe made the monthly payments and we were told in XXXX that if we want to keep the house we need to deposit extra cash. We did we want to keep our home. The payments are attached here. In XXXX my mother got interest and title from the XXXX 's and myself. WE found out that the property was in foreclosure in XXXX by chance as I was looking for a case in relation to my XXXX son ( guardianship ). We were never served with the original note and to this date we do not have a copy or full history how the loan numbers kept on changing and there were always behind. I put downpayment too and two extra payments as you can see from the hud statement We never got XXXX those were going to the escrow company and those funds got lost too.","date_sent_to_company":"2023-01-27T18:46:50.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"87120","tags":"Servicemember","has_narrative":true,"complaint_id":"6411644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2023-01-08T11:08:05.000Z","state":"NM","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Missing</em> <em>FDIC</em> <em>personal</em> <em>checking</em> <em>account</em> funds from XXXX XXXX ( from multiple XXXX XXXX XXXXXXXX <em>accounts</em> since XXXX ) and mine ( from separate XXXX XXXX XXXX  <em>account</em> ) that are <em>FDIC</em> insured to pay the failed bank XXXX, XXXX XXXX and nationstar for the real estate contract that pays off the mortgage on our <em>personal</em> residence of 14 years at XXXX XXXX XXXX XXXX XXXX NM XXXX Those funds are misplaced, embezzled or misapplied to someone else 's <em>account</em> or incorrectly."]},"sort":[20.924202,"6411644"]},{"_index":"complaint-public-v1","_id":"6413642","_score":20.901196,"_source":{"product":"Debt collection","complaint_what_happened":"Missing FDIC personal checking account funds from XXXX XXXX ( from multiple bank of america accounts since XXXX ) and mine ( from separate bank of america account ) that are FDIC insured to pay the failed bank countrywidde, bankof america and XXXX for the real estate contract that pays off the mortgage on our personal residence of 14 years at XXXX XXXX XXXX XXXX XXXX NM XXXX Those funds are misplaced, embezzled or misapplied to someone else 's account or incorrectly. \n\nThe loan was not an interest only we were told neither a reverse mortgage or had any other loan than the original countrywide loan. we were told is the same loan that got transferred to bank of america and sold or pennies to the dollar to nationstar, as servicers. \nWe paid ( see attachments ) but those FDIC insured checking account funds from our personal checking accounts at bank of america are missing between the fiduciary and bank of america and nationstar. \n\nWe request to collect on them under the FDIC insurance because the payents were for house payments and not to be stolen. There is a papertrail i am sure you can investigate. \n\nWhere it is or can you please see the FDIC claim we did on the money, that was in bank of america for bank of america mortgage through the fiduciary XXXX trust. \nWe bought a home in XXXX XXXX for the amount listed in the HUD and the XXXX XXXX XXXX XXXX purchase contract. where XXXX XXXX used their vendor XXXX XXXX to collect on a seller financing wrap dollar per dollar contract per mls financing advertising of the XXXX XXXX XXXX XXXX XXXX The mls listing was cancelled because we were told \" the buyers did not qualify '' and later on, the appraisal came after closing about XXXX less than the sales price/mortgage value wrapped of XXXX We already bought so it was a done deal. The roof or part of it fell and leaked we did not get the invoice of the \" wholesale roofing ' company and did not exist. The pool had problems with water connection and we looked and no survey was done. \nWe started paying and the payment went up and one month in XXXX went up by XXXX XXXX We never got a note or amortization table and the hud statement did not show but the sales price that we were told was the mortgage balance. \nWe made the monthly payments and we were told in XXXX that if we want to keep the house we need to deposit extra cash. We did we want to keep our home. The payments are attached here. In XXXX my mother got interest and title from the XXXX 's and myself. WE found out that the property was in foreclosure in XXXX by chance as I was looking for a case in relation to my XXXX son ( guardianship ). We were never served with the original note and to this date we do not have a copy or full history how the loan numbers kept on changing and there were always behind. I put downpayment too and two extra payments as you can see from the hud statement We never got XXXX those were going to the escrow company and those funds got lost too.","date_sent_to_company":"2023-01-08T12:15:08.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"87120","tags":"Servicemember","has_narrative":true,"complaint_id":"6413642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-01-08T12:15:03.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Missing</em> <em>FDIC</em> <em>personal</em> <em>checking</em> <em>account</em> funds from XXXX XXXX ( from multiple bank of america <em>accounts</em> since XXXX ) and mine ( from separate bank of america <em>account</em> ) that are <em>FDIC</em> insured to pay the failed bank countrywidde, bankof america and XXXX for the real estate contract that pays off the mortgage on our <em>personal</em> residence of 14 years at XXXX XXXX XXXX XXXX XXXX NM XXXX Those funds are misplaced, embezzled or misapplied to someone else 's <em>account</em> or incorrectly."]},"sort":[20.901196,"6413642"]},{"_index":"complaint-public-v1","_id":"5943901","_score":19.704731,"_source":{"product":"Checking or savings account","complaint_what_happened":"In early XXXX I deposited approximately {$13000.00} into my personal checking account. This account is with Key Bank in XXXX Oregon. The last4 digits of the account are XXXX. I never touched {$10000.00} of this deposit. Approximately 1 year later I did notice that {$10000.00} was missing from the account. I went to the bank and they suggested that I open another checking account. I complied. Both accounts are still active. I was reimbursed by mail approximately {$620.00}. I returned to the bank and was told that although I hadn '' t written appropriate checks or made large ATM withdrawals I would not be reimbursed the {$10000.00}. no explanation was given. I contacted the FDIC 2 months ago and called them again today XX/XX/XXXX. They suggested the CFPB webpage to file this complaint. I write this complaint with the hope you can assist. I would like to be reimbursed for the {$10000.00}. I have been a customer of Key Bank for over 10 years. The account number for the account that was hacked ends with XXXX. The new checking account end with XXXX. Please advise. Thank you.","date_sent_to_company":"2022-09-02T20:32:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"97219","tags":"Older American","has_narrative":true,"complaint_id":"5943901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2022-09-02T20:00:35.000Z","state":"OR","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["In early XXXX I deposited approximately {$13000.00} into my <em>personal</em> <em>checking</em> <em>account</em>. This <em>account</em> is with Key Bank in XXXX Oregon. The last4 digits of the <em>account</em> are XXXX. I never touched {$10000.00} of this deposit. Approximately 1 year later I did notice that {$10000.00} was <em>missing</em> from the <em>account</em>. I went to the bank and they suggested that I open another <em>checking</em> <em>account</em>. I complied. Both <em>accounts</em> are still active. I was reimbursed by mail approximately {$620.00}."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[19.704731,"5943901"]},{"_index":"complaint-public-v1","_id":"14347859","_score":15.149827,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have email and other documents supporting every reference to a dated document in this complaint. Because they have some personal info, I didn't include them here per CFPB request. If requested, I can send any/all of them. \n\nI was a banking customer of Juno Finance, a XXXX company that used the now bankrupt XXXX XXXX XXXX as a 'middleman ' between Juno and banking partners. I understand that the CFPB has filed a statement of interest in the XXXX bankruptcy case, indicating their belief that XXXX  XXXX have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial harm I have experienced, and the inordinate amount of time consumed writing letters and finding/gathering information, as a result of the account disruptions tied to XXXX XXXX XXXX and XXXX associated partner banks and fintech platforms. \n\nSome of the wording here has been aided by a template provided by a non-profit group that has been providing advice to those of us who have had funds frozen and/or funds lost throughout this event, but I have modified much of it to better provide details of my own experience. \n\nKey dates : XX/XX/XXXX : Opened interest-bearing checking account with Juno XX/XX/XXXX : Activated Debit Card, ( \" issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 5 days later ) : email from Juno, \" Important Update to your Account '' This XX/XX/XXXX email, which reiterated the FDIC protection XXXX to $ XXXX balances, says that \" We '' ( as in Juno ) will be transitioning from checking accounts to cash management accounts, and a brokerage account at XXXX XXXX XXXXXXXX XXXX XXXX established on my behalf. Funds in my checking account would transitioned to the brokerage and then to XXXX of XXXX \" XXXX '' banks ( none of which listed was XXXX ). This transition would take several months, and account numbers, original debit card, and all functionality would be unchanged for end users ( \" seamless '' ), and we will be notified when the transition is complete. \n\nAt the end of the email, there was a sentence reading, \" Please click here to review the Notice ''. In addition to this XX/XX/XXXX email, I can provide a copy of the Notice behind that \" click here '' link, which apparently was opportunity for the customer opt-out. This document is currently at the link XXXX XXXX XXXXXXXX  and has a paragraph at the end of page XXXX stating : \" Your participation in the Program will commence only upon the Program Effective Date and any funds you deposit in your checking account prior to the Program Effective Date will not be potentially eligible for enhanced FDIC insurance above {$250000.00} coverage under the Program. '' I can not be certain that that paragraph was in that document at the time of the email. As of receiving this email, I had been a customer for 2.5 weeks and had a debit card for 5 days. I feel that by burying the access link of this 4-page document at the bottom of the XX/XX/XXXX email, telling me that my new FDIC-insured checking account was about to be managed differently to provide up to $ XXXX FDIC XXXX, but XXXX must be transferred to any number of XXXX program banks via a new XXXX XXXXXXXX account, was deceptive and irresponsible. \n\nXX/XX/XXXX : Important Update ( from Juno ) - Temporary Disruption of Services Juno says that they were contacted by XXXX  about a disruption in XXXX transfers, wire transfers, and card transactions. \n\nXX/XX/XXXX : Update on Banking and Card Services ( from Juno ) \" Currently, XXXXXXXX XXXX XXXX XXXXXXXX has frozen all card payments. '' Next paragraph has a reiteration of the FDIC protection ( with no mention of customers who deposited funds prior to the new program date not being eligible ) : \" As stated in all brokerage account agreements, customer funds in the XXXX XXXX XXXX are deposited in a network of member FDIC banks. Funds held in these banks are eligible for FDIC insurance up to {$250000.00} for each individual account. Additionally, funds held with XXXX XXXX also have XXXX insurance up to {$500000.00}, including {$250000.00} for cash, for each individual account. '' Then Juno refers us to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, regulator of XXXX, and recommended filing a complaint to XXXX XXXX XXXXXXXX, which I did, where I received a confirmation with no other Federal Reserve communication since . \n\nXX/XX/XXXX : Latest Updates on Banking and Card Services ( from Juno ) This email is the first of many emails where Juno has become XXXX 'd up ' This email contains summary info that Juno XXXX learned from XX/XX/XXXX, which includes information that was not previously communicated to us. For example : \" On XX/XX/XXXX, we were notified that XXXX XXXX, Member FDIC, halted XXXX processing for all XXXX XXXX  accounts, and that XXXX XXXX XXXX XXXXXXXX, Member FDIC, would now process XXXX transactions on behalf of XXXX XXXX. Juno 's end users hold accounts with XXXX XXXX. '' ... this left me wondering, why was XXXX Bank processing ACH transfers anyway? ... Wasn't XXXX  doing that from the beginning? And I thought the XXXX XXXX accounts were a means of transferring user funds to some combination of the XXXX \" Program Banks '', and the original intention was not to \" hold accounts with XXXX XXXX ''. So then, my funds were in XXXX  transfer brokerage limbo for 7 months, and never made it to any of the XXXX program banks? \n\nThis is the first of many Juno emails that stress that Juno does not and has not ever held customer funds, and in fact, do not even know where customer funds are/were held. But in this email, they said XXXX XXXX holds the accounts. Regarding the next emails from XXXX about its reconciliation, Juno directed them to me because \" The only information made available to us concerning end-user balances at this point has been provided by XXXX  via the trial balance report dated XX/XX/XXXX. According to this report your funds seems to be held at XXXX XXXXXXXX XXXX XXXXXXXX. '' So at times, Juno does not know where our funds are held, yet at other times, Juno says they are held by XXXX XXXX, but at other times, Juno says they are held by XXXX.. \n\n\nXX/XX/XXXX from XXXX  : Process to return XXXX  XXXX  End User Funds : An email with procedure for getting your funds back from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX from XXXX  : Return of XXXX XXXX 's End User Funds An email with my unique claimant number and explanation of the procedure to claim my funds XX/XX/XXXX My XXXX  Reconciliation : XXXX  payment = {$0.00} XXXX XXXX XXXX = {$1700.00} My actual frozen checking account balance is {$1700.00}, but this process informs me that XXXX  does not have it. XXXX had an appeal process, which I applied for and was denied. \n\nFrom XX/XX/XXXX thru XX/XX/XXXX : Juno provided updates on everything related to the issue, including XXXX bankruptcy trustee hearing dates and status reports, but have stopped all communications as of XX/XX/XXXX, even prior to the bankruptcy case conclusion. I do still have access to my Juno account online. It shows my balance. I paid taxes on the interest in my XXXX income tax return, even though account was frozen for the final 7 months of XXXX. \n\nXX/XX/XXXX, I sent an email to XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX bankruptcy, to which I received no response, of course. My most critical complaint from information derived from the status reports, was that partner banks do not appear to have been compelled to cooperate with XXXX another in this bankruptcy process, and it appears that many of them did not even contribute to the proceedings at all. Also, XXXX  information divulged to the court appears to have been simply accepted in good faith. So the final conclusion was that XXXX of millions of dollars are missing, and there is not enough money to go around to pay for the investigative accountants, much less to pay the victims back.","date_sent_to_company":"2025-06-28T09:14:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"379XX","tags":null,"has_narrative":true,"complaint_id":"14347859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CapitalJ Inc. dba Juno","date_received":"2025-06-28T09:04:38.000Z","state":"TN","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Key dates : XX/XX/XXXX : Opened interest-bearing <em>checking</em> <em>account</em> with Juno XX/XX/XXXX : Activated Debit Card, ( \" issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 5 days later ) : email from Juno, \" Important Update to your <em>Account</em> '' This XX/XX/XXXX email, which reiterated the <em>FDIC</em> protection XXXX to $ XXXX balances, says that \" We '' ( as in Juno ) will be transitioning from <em>checking</em> <em>accounts</em> to cash management <em>accounts</em>, and a brokerage <em>account</em> at XXXX XXXX XXXXXXXX XXXX XXXX established"],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.149827,"14347859"]},{"_index":"complaint-public-v1","_id":"7937783","_score":13.124978,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I been having nothing but a Horrible time with BMO Bank, They can't tell me were my XXXX went to and how did it get applied to my loan. If My loan was for 84 months and they stated that they took the XXXXWarranty ( Returned ) and applied it to my principal balance Show me were and how did it change my payment amount and why did my payment term Either became a lesser term or why did my pay amount decrease. No one at this XXXX XXXX bank can explain where and how and why question. they keep saying the same thing it was applied to your principal balance even though your payments didn't go down and your 84 month terms didn't change. We applied it but we can't tell you how it was applied XXXX missing. ( and I Want Answers ). your account or were it went but we see it Did get applied I AM SICK OF HEARING THAT EITHER SHOW ME THE MONEY OR GIVE ME THE MONEY.Also I've been waiting on a refund check from this same XXXX XXXX  They have a Bunch of incompetent employees that works For them it seems like they just hired a bunch of middle school age kids to answer the phone.who lacks Customer service skills and a bunch of other skills. ON XX/XX/2023 .they told me to call back and because they sent me out an over payment back on XX/XX/XXXX for XXXX that I have yet to receive .every time I call they Hang up the phone .This happened 5 times yesterday XXXX. They told me if I didn't receive the check by XXXX to call back to get a new check reissued .And that will take another 30 day XXXX why is it taken so long to send out a Check that has been lost over 8 weeks now Why do I need to keep waiting. If they can't get a check out for XXXX and explain to me were my check went to then how am I suppose to belive that they are telling me the truth about my XXXX Show me were my XXXX was applied and Send me my XXXX express mail since they can't get it to me by regular mail .I really hate This company and they Also keep lying saying they don't have a officer of the president were you can write a complaint on how treble there customers services is They will answer the phone and ask you your personal information. Once they get it they would disconnect the call .This has happened several times.or they will. Leave you on hold for a hour and never check back.this Bank need to be investigated. By The FDIC as well as The FTC they are stealing customers money without a clear indication on were the customers money went .if this issue isn't resolved I will be filling a law suit on this Bank They think they can stealing from the little people but what they need to understand it only take one person to open up.a can of worms to take down a corrupt corporation.","date_sent_to_company":"2023-12-02T19:41:32.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"7937783","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2023-12-02T18:13:36.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with paying off the loan"},"highlight":{"complaint_what_happened":["We applied it but we can't tell you how it was applied XXXX <em>missing</em>. ( and I Want Answers ). your <em>account</em> or were it went but we see it Did get applied I AM SICK OF HEARING THAT EITHER SHOW ME THE MONEY OR GIVE ME THE MONEY.Also I've been waiting on a refund <em>check</em> from this same XXXX XXXX  They have a Bunch of incompetent employees that works For them it seems like they just hired a bunch of middle school age kids to answer the phone.who lacks Customer service skills and a bunch of other skills."]},"sort":[13.124978,"7937783"]},{"_index":"complaint-public-v1","_id":"4848417","_score":12.714213,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Begining on XX/XX/XXXX, I had someone hack my Bank of America prepaid EDD debit card. In about a 3 day period, and once as I'm on the phone with BofA 's fraud, they stole {$8000.00} out of my online account. I changed all security and received a new card 10 days later. That was the last I heard about that case I opened. It was impossible to get anyone on the phone at that time. Continuous waiting of up to 6 hours sometimes. By XX/XX/XXXX, I assumed since I heard nothing of this that I had lost that money. In XX/XX/XXXX, EDD owed me back pay and deposited that on my card. At the same time, BofA settled my case and I was surprised with having {$18000.00} in my account. About a week later I did an online transfer of {$5000.00} into my personal checking account. Which left me with {$13000.00}. Things were fine until my account was froze for a reason I wasn't told. When talking to customer service, I was told there wasn't anything I could do but wait. I was also told that there is no supervisor to speak to when I asked for one. And was told everyone who answers the customer service phone calls and the fraud calls, that they all work from home and most were brand new and couldn't answer anything. So I waited a week and tried to access my account. I was surprised that I could! But... I had a total of three different transactions of transfers into an unknown bank from someone that was not me. All three were for {$5000.00} each. I was told my account and identity had been compromised and taken over. So every time BofA would put my stolen money on my account, the next day someone would transfer it to their account. Even after removing all emails, phone numbers, and bank account numbers that were not mine, they are still able to steal my money by going online and hacking my account. Once, as I'm waiting for a new card in the mail, it was activated by these hackers! I hadn't even received the card yet and it was activated and money transfered into someone else 's account! I've asked to have my account closed and any money left sent in check form to be told that I can't do that. Only thing I can do is have the EDD assign me a new account number. EDD will not because they say BofA must contact them about the fraud first and plus the pandemic EDD has ended. So since XX/XX/XXXX, I've had money stolen off my account 7 times. Totalling {$12000.00}. I am still, to date, XX/XX/XXXX, missing {$12000.00} and should have 6 open active cases. All I want is what is mine! I was laid off due to the pandemic. My husband is XXXX with XXXX XXXX XXXX. I still am out of work with no income coming in. Please help me if you can. Ive researched and researched who or how to reach anybody of a higher up station with this prepaid card only to find nothing! No bank name, who runs it, supervisors, management, only to find NOTHING on the BofA EDD prepaid debit card. I've even tried to contact the FDIC and a lawyer for help. They have nothing for me. FDIC can help mostly with identity theft and such. I contacted the actual customer service of Bank of America and they say they don't handle the government prepaid cards. That EDD just basically uses their logo and name and it's thru a different bank. I can't find that bank. I NEED help! This is an awful awful thing to go through. To be violated this way. I appreciate any kind of help I'm able to get. Thank you.","date_sent_to_company":"2021-10-27T08:04:22.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"95823","tags":null,"has_narrative":true,"complaint_id":"4848417","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-10-27T07:11:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["At the same time, BofA settled my case and I was surprised with having {$18000.00} in my <em>account</em>. About a week later I did an online transfer of {$5000.00} into my <em>personal</em> <em>checking</em> <em>account</em>. Which left me with {$13000.00}. Things were fine until my <em>account</em> was froze for a reason I wasn't told. When talking to customer service, I was told there wasn't anything I could do but wait. I was also told that there is no supervisor to speak to when I asked for one."],"issue":["Problem getting a card or closing an <em>account</em>"]},"sort":[12.714213,"4848417"]},{"_index":"complaint-public-v1","_id":"3570197","_score":12.529865,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I wrote a check from my XXXX XXXX for payment of taxes to the U.S. Treasury. The check was stolen out of the USPS postal box. The thief changed the name of the payee and on XX/XX/XXXX cashed the check and took the money out of my account. The same theft happened the same day in the same manner with a check written by my spouse on our personal account for payment of our property taxes. On XX/XX/XXXX, we filed a claim with the United States Postal Service, with our local police department and finally with our bank, Bank of America. As it was two separate accounts, Bank of America required that we file two separate claims ; it was the same claim filed twice. We did file both claims with Bank of America, and Bank of America provided temporary credits to both accounts. On Friday, XX/XX/XXXX, without notice to me, Bank of America withdrew from my small business account the temporary credit it had provided. On Monday, XX/XX/XXXX when I discovered the funds missing, I contacted Bank of America to find out why. Bank of America Check Fraud Unit finally told me that their branch personnel made a mistake when they filed the claim for the small business account but not a mistake when the filed the claim for the personal account on XX/XX/XXXX. As a result of the mistake made by branch personnel, my small business check fraud claim had been denied and the money was withdrawn from my account because of the conclusion reached by the Bank of America analyst based on the mistake by the Bank of America branch personnel. A supervisor at the Check Fraud Unit told me that I had to file a renewed claim to confirm their personnel made a mistake, and that they would not return my money to me until they confirmed that I had filed a new claim to establish that Bank of America made the mistake that Bank of America already admitted that bank of America made. The supervisor XXXX said that he was \" escalating '' the claim so i would get my money back in three days. That was on XX/XX/XXXX. So i did not receive the claim form from Check Fraud until XX/XX/XXXX. Though I received the claim by e-mail, I had to have the form notarized and returned by fax. Bank of America would not accept an online notarization nor would they permit me to return the form in the manner received. I called twice to ask for permission in this time of the pandemic, as I am XXXX years old and suffer from XXXX issues, but was denied each time. So on XX/XX/XXXX I ventured first to XXXX for a notary and then to a packaging company for fax transmission. I looked at my account on XX/XX/XXXX and saw no money back as represented by XXXX. I checked on XX/XX/XXXX and saw no money had been returned to my account. So I called Check Fraud to find out what was happening. The first person, XXXX, told me that the fax of XX/XX/XXXX had not yet been logged in, so the three business days ( no longer 3 days ) did not start until the fax was logged in. I asked for a supervisor and was transferred to XXXX, who told me the three business days was actually three to five business days that started after the analyst accepted by claim as true - a fallacy in itself because my claim simply supported that Bank of America made a mistake but there is a chance that Bank of America will not acknowledge that Bank of America made a mistake. So I asked for XXXX 's supervisor and was transferred to XXXX. XXXX told me that he would \" temporarily '' transfer money back into my account under a \" PC '' ( provisional credit ), but that it would be withdrawn from my account if the analyst determined my claim was not accurate. I asked for notice before the money was taken and he refused to promise pre-taking notice but said I would get a notification \" if I wanted '' of the analyst 's decision. Again, I am baffled at how Bank of America can tell me that the money was withdrawn from my account on XX/XX/XXXX based on a mistake by Bank of America personnel yet there is a likely risk that Bank of America will deny my claim caused by their mistake. It baffles me that Bank of America has a system in place that allows a temporary credit to be withdrawn without advance notice - perhaps a hold placed on the account while notice occurs would be more civilized? It baffles me that Bank of America can admit to an internal mistake yet require the depositor to bear the absence of liquidity until the depositor \" proves '' what Bank of America already knows - that its branch personnel made a mistake. Is not their admission all the proof they should require? It baffles me that at a time of a national pandemic that it does not have the flexibility to allow its customers to utilize less public options, especially vulnerable citizens. It baffles me that Bank of America wants part of ( most of? ) {$1.00} XXXX from the federal government but fails to provide its customers the option to communicate with it by e-mail. Perhaps the CFPB can ask that the executives donate 1/100 of their bonuses to allow Bank of America the operating flexibility required to modernize its communication systems. And, while Bank of America requires payment for each moment that someone has not repaid all money borrowed and fees incurred, neither Bank of America or any other oversight agency will ever pay me for the losses I incurred as a result of vendor payments I tried to make on XX/XX/XXXX and which were rejected by Bank of America without notice to me and without activating my overdraft protection because of Bank of America 's mistake. Bank of America stole my money, admitted to stealing my money, and then refused to return my money until after I put my life at risk to comply with 20th century protocols. Then, after I complied with all these draconian measures, Bank of America continued to use excuse after excuse to hold my funds just a little while longer. I'll bet Bank of America did report to its insurer, the FDIC that it gave me a provisional credit on XX/XX/XXXX for my fraud claim. I am equally certain that Bank of America did not yet report to FDIC that it recovered its money from my account on XX/XX/XXXX.","date_sent_to_company":"2020-03-17T22:13:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92835","tags":null,"has_narrative":true,"complaint_id":"3570197","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-03-17T20:19:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I wrote a <em>check</em> from my XXXX XXXX for payment of taxes to the U.S. Treasury. The <em>check</em> was stolen out of the USPS postal box. The thief changed the name of the payee and on XX/XX/XXXX cashed the <em>check</em> and took the money out of my <em>account</em>. The same theft happened the same day in the same manner with a <em>check</em> written by my spouse on our <em>personal</em> <em>account</em> for payment of our property taxes."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[12.529865,"3570197"]},{"_index":"complaint-public-v1","_id":"5761901","_score":12.4658375,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022, I received a call from XXXX XXXX and XXXX XXXX PNC, of XXXX XXXX ( XXXX ) XXXX, asking to verify transactions and personal information due to fraud alerts, at the time I was traveling and on another call so I answered and proceeding since they identified themselves as PNC. Shortly after my U.S. Treasury check from the VA was stolen after several fraudulent transactions. The hackers changed my personal information via online banking. New acct numbers were issued on the XX/XX/2022 and I was told it would around the XXXX before I could recover the other half of my check. After the old bank card was closed, the bank allowed my account to overdraft past a current XXXX balance of {$1300.00}. It is past the disputed 10 day window of the XXXX or XXXX of when I was told I was have my remaining XXXX that was on hold. \n\nMy payroll deposit was {$3200.00} on the XXXX, they were able to reverse XXXX, I only made XXXXwo of the transactions of about XXXX in total, I am yet missing the XXXX which includes my rent and other bills. I am making this complaint because I believe it to be insider fraud for the perpetrators to have had access to my bank card and pin code while it was in my possession. Even after the old accounts were closed the pending fraud charges were allowed to post. If I had overdrafted my own account I would not have been able to process {$4000.00} from a closed account with a XXXX balance once fraud was reported. The Account Takeover Team were extremely rude and non cooperative through this ordeal. \n\nThey refused to allow my calls to forward to supervisors and one female agent snapped at me that they are the supervisors so there isn't anyone they can forward me to. I went into a PNC branch in ILLINOIS today where I was informed that several other PNC customers ' accounts were also hacked around the same time and each in excess of several thousands of dollars. It is very irresponsible of PNC to not do a better job of due diligence and providing better protection of their customers. I filed a Police Report with the XXXX, IL pd regarding this issue but am at a lost for thousands and the inconvenience of not being able to pay my creditors has cost me more than what was stolen to the point I wish my treasury checks could come via mail because at least I'd have adequate protection with check in hand rather a bank I can not trust to conduct business with. The trust has been broken and I don't think it can be repaired. I hope no other consumer has to suffer such devastation that could all be avoided. To think that PNC sends alerts to your email accounts displaying your balance, deposits, etc. Even if my email was hacked they should not have been able to see banking business to tempt them into hacking the banking network. \n\nThis came after travel home to Alabama for a funeral in which I passed through Florida on the way bk, but for the week of my stay I did not use my bank card which was on me the duration of vacation. There were somewhere between 15-20 charges that were not mine. As soon as the ATO team saw my card that was in my pocket was being burned up they could've have frozen my acct plenty of time in between this. I'm holding PNC Bank responsible along with the hackers who have no moral code. \n\nIf anything I was under the assumption that FDIC provide some protections that allow for the bank to disperse refunds when a customer experience a loss to prevent their lives being put on hold along with the bank account! I would expect the U.S. govt to take this just as serious as someone reaching into my mail box to retrieve my treasury check from the IRS.","date_sent_to_company":"2022-07-12T18:45:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33073","tags":"Servicemember","has_narrative":true,"complaint_id":"5761901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2022-07-12T17:14:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["If anything I was under the assumption that <em>FDIC</em> provide some protections that allow for the bank to disperse refunds when a customer experience a loss to prevent their lives being put on hold along with the bank <em>account</em>! I would expect the U.S. govt to take this just as serious as someone reaching into my mail box to retrieve my treasury <em>check</em> from the IRS."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[12.4658375,"5761901"]},{"_index":"complaint-public-v1","_id":"6731277","_score":12.288834,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to express my deep concern about the discrimination I have experienced at the hands of Capital One Bank in response to Operation Choke Point. This initiative has had a devastating impact on my personal and professional life, and I am reaching out to you in the hope that you can take action to address this injustice. \n\nAs you may be aware, Operation Choke Point was a federal program targeting certain industries and individuals deemed \" high-risk '' for fraud and money laundering. While the program was officially terminated in XXXX, its effects are still being felt by many individuals and businesses, including myself. \n\nSpecifically, I have been unfairly targeted by Capital One Bank which has used Operation Choke Point as an excuse to discriminate against me as an individual. Despite having a solid financial history and no evidence of any illegal activity, I have been denied access to banking services and subjected to a great deal of scrutiny and suspicion. \nIn XXXX of XXXX, I opened business checking accounts and one escrow account on behalf of the company I work for, a financialtechnologycompany. As an XXXX and the XXXX of the company, one of my responsibilities is selecting partner banks to hold customer funds. On XXXX, XXXX, all of my company 's business accounts were abruptly closed, and {>= $1,000,000} went missing without warning. \nOur business banker didn't even reach out to me until XX/XX/XXXX when he texted me \" What happened with the account? '' The next day I received an email stating, \" Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital One 's account opening and ongoing due diligence. '' Furthermore, my colleague received the same email with slightly different language. The email to my colleague stated, \" Well be closing your account ending in XXXX and XXXX because Capital One has discovered adverse past or present legal action involving an individual or entity associated with the account. '' A similar action was take when the company I'm currently working for was asked to remove me as a signer for our business accounts in XXXX. Again, no explanation was given to me or my employer. \nI believe this discrimination is directly related to Operation Choke Point because in XXXX I was XXXX of XXXX XXXX XXXX XXXX XXXX licensed by the New York Department of Financial Services. During my time as this check cashing company, we were told Capital One made a business decision to exit the servicing of Check Casher clients. A lot has been written and exposed in connection to Operation Choke Point but ultimately, Capital One had major anti-money laundering deficiencies in their compliance program and decided it was easier to end its relationship with these \" high-risk '' companies rather than deal with the threats and scrutiny of the US Gov . At this same time my personal credit card and IRA were closed without warning as well. \nThat is a business decision and I can understand the risk/reward tradeoff here. What is not OK is that myself, as an individual, has been blacklisted by Capital One. I have no criminal history and no longer work for the check casher. \nThis discrimination has had a significant impact on my ability to conduct business and maintain my personal financial stability. I have been forced to seek out alternative banking options, which have been time-consuming and expensive. Moreover, the stress and anxiety caused by this discrimination have taken a toll on my mental health and overall well-being. Even worse, is the abrupt closing of our accounts has caused the board and co-CEOs of my current company to worry about me as a liability. I could lose my job because of this. \n\nI am writing to demand action from the FDIC to address this injustice. It is unacceptable that innocent individuals like myself with no history of adverse past or present legal action are targeted and discriminated against. I urge you to investigate this matter thoroughly and take steps to hold the bank accountable for its actions. \n\nI appreciate your attention and look forward to your prompt response. \n\nSincerely,","date_sent_to_company":"2023-03-22T21:18:26.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"11530","tags":null,"has_narrative":true,"complaint_id":"6731277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-22T20:59:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["In XXXX of XXXX, I opened business <em>checking</em> <em>accounts</em> and one escrow <em>account</em> on behalf of the company I work for, a financialtechnologycompany. As an XXXX and the XXXX of the company, one of my responsibilities is selecting partner banks to hold customer funds. On XXXX, XXXX, all of my company 's business <em>accounts</em> were abruptly closed, and {>= $1,000,000} went <em>missing</em> without warning."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[12.288834,"6731277"]},{"_index":"complaint-public-v1","_id":"7069261","_score":11.655121,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America giving me hard time about my trust account XXXX XXXX XXXX bond I bond government issue bonds they failed to comply with federal regulations guidelines XXXX  registration I requested documents they requested all types documents so they can close my account due to cash management account I am the stockholder revocable trust account bank failed to release my dividend growth to my account which they refuse to open my account I am the XXXX controllers of currency CFPB mortgage loan alternator regulation XXXX XXXX  XXXX  which should be on all loans application an documents contained revenue reported which they failed to do so as my job title I am required to handle all XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my jurisdiction XXXX XXXX refuse allow me uptain my job try take over government issue bonds issued to me employees title XXXX XXXX XXXX XXXX  with out verification or shares in bank of America provide by XXXX global market commercial loans funds to purchase commercial property with permission of the share owner fraudulent documents refuse file an annual report call me report lost revenue im losing money due to illegally operation business going on with these employees constantly committed fraudulent I am how can I do my report if the employees take over my assets don't report revenue in keep up with the booking of my asset they keep giving me the run around want me to proved difference documents I try run a credit check I am bank supervision federal regulations controllers of currency CFPB regulations G all my loan application must have controller num located on all banking documents instead they using they XXXX license which is illegal to operate a business an handle federal funds an another reason none employees own Any shares wasn't planned on sale no share to employees at this moment unless they promoted to president or allowed him to become my CEO until I never gave them approval to loan or approve any loans or sale any commercial Estate with out my signature company in violation XXXX registration registration act failed to comply federal government regulations I feel that bank of America been illegally changed personal information clam power of attorney with notify share holder tampering with records an documentation how my personal information got lost when my last XXXX XXXX account was approved someone change my personal information including email address that was linked to that account now doing it again not this time I requested bank of America release all documents contain account number all lease agreement property all loan application agreement contain to all account Link to my trust account I'm missing dividend growth pay no longer drowning interest just setting there an they using it for they own benefits reasons I need all account records so I can file revenue call report an return it before the deadline force me to withholding tax not reporting revenue someone trying with hold fund an give me the run around so I can get into my account someone is collecting revenue an not reporting it someone sold illegally property trough unknown Mortgage broker I HEREBY REQUEST freeze all assets no funds will not be withdraw in or out until I receive them documentation an I hereby as bank XXXX XXXX of this jurisdiction I hereby request who who ever claim be CEO an CFO over my assets an holding on to my property is terminated XXXX registration license is revoke personal who order to provide my personal information Mail social security card an identification number an IRS tax return is terminated over overpowering they employee job title no longer needed bank of America it time to change the policy an request credit report XXXX  XXXX XXXX illegally I am under safe act an paperwork reduction act my credit is in good standard I own XXXX  shares of XXXX  makerlet cap an all revenue to be treated by none stocks Holder Beneficiary shareholder revocable trust job title is tailer Collect an cash check not give demand an other in my jurisdiction take over my assets an my job title an not body file tax revenue reported sale illegally property poor management request ever one be terminated illegally operation mortgage brokers handled funds in un justice way request everyone bank account information might be funds stole due to lost revenue required ever property been lease sold an auction off with permission refuse to provide documentation by mail or email will result in civil rights lawsuits an federal charges im prosecute to the max failed to open account issue out funds with an not reporting revenue federal government bonds XXXX if these documents not providing tax fraudulent if my personal information is incorrect identity thefts reported false information on consumer reports identity thefts cause for bank FAILED FDIC insurance corporation FTC commission an security of exchange XXXX global market failed to comply results XXXX registration license revoked All loans officer mortgage loans XXXX registration is temporary termination filed to comply with federal regulations guidelines as supervisor an XXXX there is no president or CEO effective immediately 6-3-2023 an I'm temporary freezes all bank of America account untill investigation in complete quarter call report sign an Mail an return as REQUIREMENTS united State banking association bank of America is on temporary freezes an on investment investigation redeem all Lost property my my identification card an my XXXX registration number an my XXXX controllers num I'm be provided as evidence supporting documents I hereby demand my cash management account be open an my check an debt card link to my account be redeem withdrawal the interest satisfy my salary I'm the employee they or employer I issued out an sign all check to all employees nall taking over corporate filed to report quarterly report revenue failed the bank an the brand this stop today no more loans approve need all my property belong to my assets I'm handle all property loans nobody in title to approve Any loan's with my consent an my XXXX controllers num watch must be on all reports documents tampering records violation banking police  department of Treasury an exchange imposter use off account unauthorized account need my account open immediately not providing nothing else anything u need contact the department of Treasury an XXXX  registration commission an FDIC insurance corporation an FTC commission they provide you anything you need I'm the bank supervision officer this is a ordered freeze all Bank of America account untill redeem all Lost property someone half to own up to it or ever being hold liable lost revenue reimbursement","date_sent_to_company":"2023-06-03T16:33:04.000Z","issue":"Opening an account","sub_product":"CD (Certificate of Deposit)","zip_code":"354XX","tags":null,"has_narrative":true,"complaint_id":"7069261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-06-03T14:39:43.000Z","state":"AL","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":["information clam power of attorney with notify share holder tampering with records an documentation how my <em>personal</em> information got lost when my last XXXX XXXX <em>account</em> was approved someone change my <em>personal</em> information including email address that was linked to that <em>account</em> now doing it again not this time I requested bank of America release all documents contain <em>account</em> number all lease agreement property all loan application agreement contain to all <em>account</em> Link to my trust <em>account</em> I'm <em>missing</em>"],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_issue":["Unable to open an <em>account</em>"]},"sort":[11.655121,"7069261"]},{"_index":"complaint-public-v1","_id":"10766498","_score":11.546201,"_source":{"product":"Checking or savings account","complaint_what_happened":"What happened : I am filing this complaint against Juno ( CapitalJ Inc. ), XXXX XXXX, and XXXXXXXX XXXX XXXX  XXXX regarding the loss of access to my funds ( several thousands of dollars ) and their collective failure to properly handle, track, and return my deposits. \n\nTimeline of Events : XX/XX/XXXX : Opened a Online Checking Account with XXXXXXXX XXXX XXXX XXXXXXXX through Juno as per the a Direct Deposit Agreement was in my name and only supposed to accessible be me. \nXX/XX/XXXX : Juno moved my account to be a cash account managed by XXXX XXXX without my explicit consent and failed to properly inform me what would happen to my funds held at XXXXXXXX XXXX \nXXXX XXXX XXXX XXXXXX/XX/XXXX : Unaware, I continued to have regular direct deposits to sent XXXXXXXX XXXX XXXX XXXXXXXX 's routing number ( XXXX ) XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXXXX suddenly froze all transactions, including card payments, ACH transfers, and wire transfers XX/XX/XXXXXXXX XXXX XXXX XXXX Learned through court proceedings that XXXX claimed they couldn't access XXXX XXXX dashboard due to XXXX  filing for Bankruptcy. \nXX/XX/XXXX : Juno announced they were switching to a new banking partner ( XXXX ), leaving previous accounts frozen XX/XX/XXXXXXXX XXXX  : Received data breach notification from XXXXXXXX XXXX XXXX XXXX about a cybersecurity incident leaking my personal information on the dark web XX/XX/XXXXXXXX XXXX XXXX XXXX reconciliation process incorrectly reported my balance as {$0.00} and left me with my funds left missing and stolen. Upon calling the hotline they setup for the reconciliation payment, I was told by a person reading from a script that XXXX doesn't hold my money and doesn't know where it is. \n\nKey Issues : 1. My funds were marketed by Juno as FDIC-insured deposits, yet no institution is taking responsibility for their return 2. XXXXXXXX XXXX XXXX XXXXXXXX issued my account/routing numbers but now claims they don't have my funds and will not provide information to help me locate them 3. The reconciliation process has failed to properly account for direct deposits made to 4. XXXXXXXX XXXX routing number and doesnt match the XXXX ledger balance which has my correct balance. \n5. No clear explanation has been provided about where my money was transferred or who currently holds it Actions I've Taken : 1. Filed appeal through XXXX 's reconciliation website 2. Observed bankruptcy court proceedings for months. \n3. Maintained records of deposits and account statements from Juno. \n4. Attempted to work with all institutions to locate and recover my funds only to me ping ponged around back and forth between different companies pointing fingers at each other.","date_sent_to_company":"2024-11-13T01:41:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07305","tags":null,"has_narrative":true,"complaint_id":"10766498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CapitalJ Inc. dba Juno","date_received":"2024-11-13T01:02:26.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Timeline of Events : XX/XX/XXXX : Opened a Online <em>Checking</em> <em>Account</em> with XXXXXXXX XXXX XXXX XXXXXXXX through Juno as per the a Direct Deposit Agreement was in my name and only supposed to accessible be me."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[11.546201,"10766498"]},{"_index":"complaint-public-v1","_id":"7532558","_score":10.603088,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is a formal dispute letter to the Fraud Department of Huntington Bank Dear Huntington Bank Fraud Department, My name is XXXX XXXX XXXX and I am a citizen of the United States of America. I am writing this letter to inform Huntington Banks Fraud Department that I have recently been a victim of fraud perpetrated by the fraudulent trading company called XXXX XXXX using a mobile application called XXXX. Since all the transactions that I am disputing in this letter were authorized by me which I was manipulated to believe to be for trading purposes, I believe that the fraud that I was a victim of is called Authorized Push-Payment Fraud. I have also strong reasons to believe that money laundering and potentially terrorism financing are involved in the said fraud. I kindly ask for Huntington Bank Fraud Department to look into this matter. \nIn this letter, I will be providing a detailed account of how the fraud started, how I was tricked into investing a huge amount of money in the platform, and how I found out that I was being scammed. All of the pieces of evidence regarding this fraud case that I was able to gather are attached to this letter in the Appendices for your full disposal. If you need more information/documents from me, just let me know and I shall send them immediately as soon as I can. \nWhy I am contacting Huntington Bank To summarize the flow of money, I deposited XXXX money to my XXXX wallet through wire transfers from my Huntington Bank account. From XXXX, I bought cryptocurrencies and transferred them to my XXXX wallet. From there, I sent my crypto to the wallet addresses that were provided to me by the scammers, thinking that the money I was sending was going to my XXXX trading account balance. Since the trading platform is fake and its involvement with the trading market is nonexistent, this implies that my money did not arrive at XXXX trading platform. This is essentially money laundering because the purpose and destination of the money I sent were kept hidden from me. As the sender, I realize that it is part of my responsibility to only send money to a trusted recipient in order to avoid money laundering. However, even more than mine, it is the responsibility and legal obligation of Huntington Bank to make sure that the transactions happening in its bank is free of money laundering and other financial crimes as part of its compliance with United States Bank Secrecy Act sometimes referred to as anti-money laundering act or AML act. Although Huntington Bank did ask me about the purpose of my transactions, which is trading, they did not continue to ask me about the name of the trading platform that I was dealing with. If they did, they would have known that I was dealing with XXXX XXXX and, using their extensive database and researching capabilities, they would have found out that this trading company is unlicensed to operate in the United States. Right then and there, Huntington Bank could have done something to stop my transfers. Due to this fact, I believe that Huntington Bank is partly liable for my financial loss because of its failure to protect my assets from being sent to fraudsters. Hence, I fully expect Huntington Banks cooperation and assistance regarding my concern. \nScam Story and Description On the XXXX of XX/XX/2023, I was approached on XXXX by a person calling herself XXXX XXXX. We messaged a few times on the platform. Eventually, our conversation transpired to XXXX at her request. This went on for months. Ultimately, she told me that she was an Economics graduate from XXXX University in the XXXX and was very wealthy. Supposedly, she had a very connected uncle named XXXX XXXX who resides in California. She also told me that founded a company called XXXX and invested in property in XXXX and USA. She coached me all the way through this process and said she was also making millions of dollars on this trading forum which is XXXX XXXX. She asked me to download XXXX on my XXXX. I checked the reviews of the application and at the time I did not see anything bad. She then taught me in demo mode how to open a position for trading gold futures and then close at the right time. And this is how the series of deposits began. Eventually, the amount of money that I deposited to XXXX reached XXXX USD, while my trading account balance reached XXXX USD. When I requested a withdrawal, they did not allow me. They told me that I need to pay a tax payment of XXXX USD in order to withdraw all of my accounts balance on XXXX. At this point, I already suspected that they were scamming me. I did not provide them with the tax payment since I found out that only banking institutions are allowed to ask for tax payments. They eventually XXXX my account on the platform. The fact that they were able to XXXX the balance on my XXXX trading account cements the reality that the numbers on the trading platform are purely manipulated by them. \nI have attached all of the relevant documents in the Appendices. I kindly request the enforcement of the Fraud Department of Huntington Bank to look into this matter. \n\nList of Wire Transfers to XXXX Below is the list of my wire transfers from my Huntington account to the bank account to XXXX. Huntington Bank should be able to confirm that the recipient of these wire transfers is the beneficiary bank of XXXX. Proof of these wire transfers is attached in the Appendices. \n- Transaction 1 Amount : XXXX USD Date : XX/XX/2023 Description : OUTGOING FEDWIRE TRANSFER - MANUAL - Transaction 2 Amount : XXXX USD Date : XX/XX/2023 Description : XXXX ACH PAYMENT XXXX XXXX - Transaction 3 Amount : XXXX USD Date : XX/XX/2023 Description : OUTGOING FEDWIRE TRANSFER MANUAL - Transaction 4 Amount : XXXX USD Date : XX/XX/2023 Description : OUTGOING FEDWIRE TRANSFER MANUAL TOTAL : XXXX USD Huntington Banks Responsibility as My Trusted Bank and Expected Resolution Huntington Bank is a member of the Federal Deposit Insurance Corporation ( FDIC ). FDIC is the primary federal regulator of banks that are chartered by the states that do not join the Federal Reserve System. In addition, the FDIC is the backup supervisor for the remaining insured banks and savings associations. FDIC serves both as an insurance organization as well as a regulator of its member banks. The FDIC examines its member banks for compliance with consumer protection laws. As such, as an FDIC member, I would expect Huntington Bank to follow the regulations set forth by the FDIC such as BSA/AML compliance program.\n\nPart 353 Suspicious Activity Reports of the Code of Federal Regulations, which can be accessed online here : XXXX XXXX  XXXX XXXX, states that an FDIC supervised institution must file a Suspicious Activity Report when it detects a known or suspected criminal violation of federal law or a suspicious transaction related to a money laundering activity or a violation of the Bank Secrecy Act. In Part 353.3 Reports and records, suspicious circumstances were listed : 1. Insider abuse involving any amount. \n2. Transactions aggregating XXXX USD or more where a suspect can be identified. \n3. Transactions aggregating XXXX USD or more regardless of potential suspects. \n4. Transactions aggregating XXXX USD or more that involved potential money laundering or violations of the Bank Secrecy Act. The following are suspicions for money laundering : a. The transaction involves funds derived from illegal activities or is intended or conducted in order to hide or disguise funds or assets derived from illegal activities ; b. The transaction is designed to evade any regulations promulgated under the Bank Secrecy Act ; or c. The transaction has no business or apparent lawful purpose or not the sort of transaction in which the particular customer would normally be expected to engage, and the FDIC-supervised institution knows of no reasonable explanation for the transaction after examining the available facts, including the background and possible purpose of the transaction. \nI would like to emphasize that my fraud-related transactions through Huntington Bank were exhibiting multiple money laundering indicators. Although Huntington Bank did ask me for the purpose of the wire transfers before allowing them to go through, they failed to ask me about the trading platform that I was dealing with. Hence, I hold Huntington Bank partly liable for my financial losses amounting to XXXX USD. As such, I fully expect Huntington Bank to assist me in recovering the money I lost by contacting the beneficiary bank of my wire transfers and to request for wire recalls. I believe that I have provided all the necessary documents that will support my story. \nI hope Huntington Bank stays true in its commitment in fighting against financial crimes such as money laundering, terrorism financing, and financial fraud. \nI hope to receive your response as soon as possible. \n\n\nXXXX XXXX from hunting responded on Dear XXXX XXXX, This letter is in response to your email received by our XXXX inbox on XX/XX/2023, regarding your checking account ending in XXXX held with The Huntington National Bank ( XXXX ). In addition, this is a follow up to our conversation on XX/XX/2023 ; it was a pleasure speaking with you. \n\nXXXX XXXX, I understand that this has been a very difficult time for you. I am deeply disappointed to hear of the circumstances you described. In your correspondence, you advised Huntington that you have been the unfortunate victim of a scam. On or about XX/XX/2023, you authorized multiple transactions in the total amount of {$160000.00} for the purpose of sending money to someone through outgoing wire transfers as well as XXXX ACH Payments. Once received in your XXXX  XXXX XXXX, you used those funds to purchase Crypto currency. Regretfully, after the funds were sent, you identified that the transaction was not legitimate. \n\nPlease be aware that funds sent as an outgoing wire and ACH transactions are often available to the receiving account owner immediately. Huntington does not have recourse on these funds since the transaction was initiated by you and sent to the intended recipient using the information you provided. Please know that Huntington does not recommend using this service to pay for goods or services and does not have the ability to stop money from being sent once the transaction has been authorized. \n\nIf you have not done so already, we recommend that you file a police report as well as an XXXX ( XXXX XXXX XXXX XXXX ) complaint. Huntington will respond to any information requests from law enforcement authorities relative to this matter. \n\nXXXX XXXX, I want you to have the highest level of confidence and security by providing you with information on how to protect yourself against scams, for more information please visit : XXXX XXXX XXXX. In addition, information on ways to avoid fraud scams can be found by visiting XXXX, we have included some of the common tips below, for your review. \n\n\nMember FDIC. and Huntington are federally registered service marks of Huntington Bancshares Incorporated. 2023 Know who youre dealing with. In any transaction you conduct, make sure to check with your state or local consumer protection agency and the XXXX XXXX XXXX ( XXXX ) to see if the seller, charity, company, or organization is credible. Be especially wary if the entity is unfamiliar to you. Always call the number found on a websites contact information to make sure the number legitimately belongs to the entity you are dealing with. \nPay the safest way. Credit cards are the safest way to pay for online purchases because you can dispute the charges if you never get the goods or services or if the offer was misrepresented. Federal law limits your liability to {$50.00} if someone makes unauthorized charges to your account, and most credit card issuers will remove them completely if you report the problem promptly. \nGuard your personal information. Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your personal information. Dont provide your credit card or bank account number unless you are paying for something and know who you are sending payment to. Your social security number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an account asks for information that the business already has. \nStay safe online. Dont send sensitive information such as credit card numbers by email because its not secure. Look for clues about security on Web sites. At the point where you are asked to provide your financial or other sensitive information, the letters at the beginning of the address bar at the top of the screen should change from http to https or shttp. Your browser may also show that the information is being encrypted, or scrambled, so no one who might intercept it can read it. But while your information may be safe in transmission, thats no guarantee that the company will store it securely. See what Web sites say about how your information is safeguarded in storage. \nBe cautious about unsolicited emails. They are often fraudulent. If you are familiar with the company or charity that sent you the email and you dont want to receive further messages, send a reply asking to be removed from the email list. However, responding to unknown senders may simply verify that yours is a working email address and result in even more unwanted messages from strangers. The best approach may simply be to delete the email. \nResist pressure. Legitimate companies and charities will be happy to give you time to make a decision. Its probably a scam if they demand that you act immediately or wont take No for an answer. Some scammers may also demand you pay off a loan immediately or damaging consequences may occur, always take time to look into who is requesting the money before you pay up. \nDont believe promises of easy money. If someone claims that you can earn money with little or no work, get a loan or credit card even if you have bad credit, or make money on an investment with little or no risk, its probably a scam. Oftentimes, offers that seem too good to be true, actually are too good to be true. \nFully understand the offer. A legitimate seller will give you all the details about the products or services, the total price, the delivery time, the refund and cancellation policies, and the terms of any warranty. Contact the seller if any of these details are missing, if they are unable to provide the details, it may be a sign that its a scam. \n\nXXXX XXXX, I appreciate the opportunity to address your concerns. If you have any questions or additional concerns you would like to discuss, please contact me at ( XXXX ) XXXX, or toll free at ( XXXX ) XXXX, request that a Customer Solution Center professional transfer you directly to me and I will be happy to assist you.\n\nI since have reached out for clarification with no response back in over 6o days now.","date_sent_to_company":"2023-09-11T20:35:21.000Z","issue":"Fraud or scam","sub_product":"Money order, traveler's check or cashier's check","zip_code":"55449","tags":null,"has_narrative":true,"complaint_id":"7532558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2023-09-11T20:12:21.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Federal law limits your liability to {$50.00} if someone makes unauthorized charges to your <em>account</em>, and most credit card issuers will remove them completely if you report the problem promptly. \nGuard your <em>personal</em> information. Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your <em>personal</em> information."],"sub_product":["Money order, traveler's <em>check</em> or cashier's <em>check</em>"]},"sort":[10.603088,"7532558"]},{"_index":"complaint-public-v1","_id":"3948434","_score":10.571479,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is the letter I sent to CASH APP, along with about 45 e-mails trying to correct this issue. \n. \nXXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX # XXXX XXXX, XXXX  XXXX Telephone : XXXX Email : XXXX XXXX XXXX XXXX CASH APP ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To avoid legal action, the person reviewing or responding to this Complaint, it is strongly suggested, that if you do not have the authority or ability to correct this situation immediately, then take this to your superiors immediately. \nI cant point to the exact transaction in question, because this is a new account ( $ XXXX telephone ( XXXX ) XXXX ), the transaction and/or account of which Im complaining about is ( $ XXXX ( XXXX ) XXXX ) which I suspect is now closed. The facts of the transaction in question, is as follows : That on XX/XX/XXXX I transferred {$1100.00} to my CASH APP account ( $ XXXX telephone ( XXXX ) XXXX ) from my XXXX XXXX  checking account. I then attempted to send cash to two ( 2 ) friends, {$800.00} to XXXX XXXX at telephone XXXX XXXX XXXX XXXX, and {$400.00} to XXXX XXXX at telephone XXXX XXXX XXXX XXXX. The transfer to Mr. XXXX was successful, but the transfer to Ms. XXXX failed, supposedly for security reason ( s ). I was sent an E-Mail, which informed me that the money would be refunded back to my bank account in 3-5 days. This never happened. \nI have been reaching out to you, since XX/XX/XXXX, by way of over XXXX E-Mails ( Complaints ) to CASH APP Support built into the CASH APP APP. All E-Mails 40 pages are attached to this letter, and all have met with negative results ). Then out of desperation I turned to the internet, which gave me a CASH APP Customer Support telephone number. I don't believe that this number is associated with CASH APP at all, it appears to be some kind of scam, the telephone numbers are as follows XXXX, XXXX XXXX, and XXXX, these people are answering the Phone, and identifying themselves as CASH APP customer support representatives. They are rude, crude, disrespectful, and unprofessional, no one there speaks English very well, and they become frustrated quickly, and then they call you out of your name, calling me an \" XXXX XXXX  XXXX ''. Then they attempt to elicit personal information by asking you to download the apps XXXX, and XXXX XXXX XXXX XXXX where they want access to your device, when I refused, they said the only way they could help me, is if I had a friend or relative who is a verified CASH APP user, and they could deposit the missing {$400.00} in there account, Because I work in the IT field, this sounded suspicious. So, then they told me to go to any XXXX, and that they could give me my money, I refused. \nTo sum this up, I need my money, this missing money has already caused hardship, because I still payed XXXX XXXX, believing that this money would be replaced by XX/XX/XXXX, and since it wasnt, my electricity got cut off, and over {$300.00} worth of food perished. \nAgain, I need my money, and now I am expecting you, to make it available to me in my new CASH APP account $ XXXX TELEPHONE XXXX. \nShould any question arise as a result of this letter, please do not hesitate to contact me at the telephone number address provided in the Letterhead. \n\n\nRespectfully submitted, XXXX XXXX XXXX XXXX XXXX. \n\n\nATTACHMENTS : All E-Mail Treads XXXX XXXX  Statement XX/XX/XXXX XX/XX/XXXX DISTRIBUTION : CASH APP XXXX XXXX, XXXX XXXX, CA CASH APP Legal Dept., XXXX XXXX, XXXX XXXX, CA Better Business Bureau Federal Trade Commission FDIC Consumer Financial Protection Bureau XXXX XXXX DC Department of Consumer and Regulatory Affairs","date_sent_to_company":"2020-11-11T16:42:57.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"20001","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3948434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2020-11-11T16:08:15.000Z","state":"DC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I cant point to the exact transaction in question, because this is a new <em>account</em> ( $ XXXX telephone ( XXXX ) XXXX ), the transaction and/or <em>account</em> of which Im complaining about is ( $ XXXX ( XXXX ) XXXX ) which I suspect is now closed. The facts of the transaction in question, is as follows : That on XX/XX/XXXX I transferred {$1100.00} to my CASH APP <em>account</em> ( $ XXXX telephone ( XXXX ) XXXX ) from my XXXX XXXX  <em>checking</em> <em>account</em>."]},"sort":[10.571479,"3948434"]},{"_index":"complaint-public-v1","_id":"4047060","_score":10.378106,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I receive unemployment and I had no issues well the workforce section of their website had an old address from when I had previously used workintexas and lived in XXXX and the info on the workforce work in texas was from XXXX so I hadn't realized that and updated it to do my worksearches for my unemployment I've been getting since XXXX I updated my address in XXXX so unemployment side of website had my correct address but the workforce work search side of website had the old info and updating my address sent an alert to reliacard about an address change but the address didn't change for reliacard it just shows I updated it and it took them until XXXX they flagged my account and restricted it asking for verification of my identity ok I have faxed emailed used their app their website their ID upload numerous times over 20 times and they always say well give it 5 business days or 2business days ... I get different stories everytime I call which I am on hold sometimes 3 or 4 hours .the images I upload are not blurry I get the confirmation numbers and they will not lift the restriction and have placed my account in read only mode and is now inactive .I can not close account transfer in or out .I just want to clarify I am using the same device ip address app phone address that I always have and I had to have my benefits sent to me by paper check while waiting for my personal bank to have the direct deposit set up which I have now .I have also sent in to reliacard pictures of the checks and paperwork unemployment sent me selfies of me holding paperwork and I.D . and I've sent my social security card .my medical bills my marriage license my birth certificate my unemployment papers all with the same address I've had the entire time I've been using reliacard and over and over they say the same thing give it 5business days I have asked everytime to have a supervisor and they say they schedule a call back but they never do.They refuse to transfer me to the fraud dept or supervisor or give me any number to reach them their representatives on the phone have lied to me everytime .one said she had the supervisor listening but that I couldn't talk to them and then promised my restriction would be lifted the next day by XXXX the next day their was no notes saying that I even called and was still restricted .I call back and the csr says that since my account is inactive that their no time limit to how long they can hold the funds that they can keep my funds that are trapped in the account indefinitely..after researching I find that was also a lie because after so many days of being inactive I will be charged XXXX $ day or month idk but regardless it was a flat out lie because no my account can not be inactive indefinitely .Now I feel like they are attempting to make it so frustrating for me to have my funds and I wonder how many others they have done this way? Millions of dollars they could have finagled .why have they not returned the funds back to unemployment why won't they close my account why would they let their csr lie to me I know I'm not the only one they must be aware of these issues Im only missing one benefit payment from XXXX XXXX XXXX for XXXX $ but I need this money badly If my workforce and unemployment know who I am and have me verified why can they not verify me why have they had it blocked for over a month .I 've submitted complaints to fdic XXXX the workforce and now I found y'all please help me","date_sent_to_company":"2021-01-04T23:14:32.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"75165","tags":null,"has_narrative":true,"complaint_id":"4047060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2021-01-04T21:01:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using the card to withdraw money from an ATM"},"highlight":{"complaint_what_happened":["to <em>fdic</em> XXXX the workforce and now I found y'all please help me"]},"sort":[10.378106,"4047060"]},{"_index":"complaint-public-v1","_id":"19529695","_score":10.351402,"_source":{"product":"Checking or savings account","complaint_what_happened":"We have several savings XXXX  checking accounts with US Bank XXXX  have been a long-time customer. On XX/XX/year>, I went online XXXX  pay a bill and noticed that XXXX of our savings accounts had an amount of {$5.00} in it. There were XXXX external wire transfers noted that started on XX/XX/year> through XX/XX/year> that had drained {$19000.00} out of our savings account leaving a balance of {$5.00}. I've attached a document showing the dates XXXX  amounts taken out of this account. I immediately went XXXX  the nearest US Bank branch XXXX  was told they could not help me but they would freeze the account so no more money would be taken from it. I was provided the US Bank fraud number XXXX  immediately called XXXX  report the issue. After being on hold for over an hour, I was finally able XXXX  speak with someone who took all of the information XXXX  located XXXX more withdrawals in our main checking account ( XXXX XXXX  the XXXX XXXX XXXX in California XXXX  XXXX for a XXXX payment ) that totaled around {$3700.00} XXXX  the transactions for those XXXX happened on XX/XX/year>. I was told that my husband 's US Bank debit card had been compromised XXXX  they even changed his password XXXX  pin # XXXX  were able XXXX  access all on-line accounts that his name was on ( XXXX XXXX XXXX XXXX I was told they would freeze our main checking, the compromised savings account, XXXX  our son 's checking ( even though we did not see any transactions with his account ) because XXXX 's name was on all of them. We were told no additional money could be removed from those accounts but we could add money XXXX  them until we closed them out. I was told we would receive something from US Bank in the mail with their decision within XXXX  days. This all happened on XX/XX/year>. \n\nSince that time, we've been XXXX  US Bank in personal numerous times XXXX  close these accounts XXXX  open new ones, we made a police report, XXXX  we've called weekly XXXX  try XXXX  get a status update. The money taken out of our savings were external wire withdrawals XXXX  there is a \" special department '' that handles that that can not be contacted by phone or email. I called the fraud department back XXXX  can't get anyone XXXX  help us XXXX  they say they can't even access this case since a \" special department '' is handling it. On XX/XX/year> I finally spoke XXXX  a very nice person with US Bank, XXXX, who told me this department only responds via XXXX Mail XXXX  she would ask them XXXX  mail us a status update with all documentation from their investigation. To date, we have received nothing from them. The money totaling over {$20000.00} remains missing from our savings account and we don't know when and how we can get it back. US Bank is an FDIC XXXX XXXX and they've verbally confirmed which card was compromised XXXX  we still don't have our money back. The frustration is that we can't even call XXXX  speak with anyone. They don't communicate at all or provide us any update or status. We have no recourse, at least known XXXX  us, if they deny our claim. We have filed a police report ( see attached ) XXXX  don't even have anyplace XXXX  send it. I've been told the XXXX department would let \" them '' know that a police report has been made. \n\nXXXX  XXXX  make matters even more frustrating, the accounts that were allegedly closed in XXXX with a XXXX balance still have money coming out of them. We received a letter XXXX  from US Bank with a $ XXXX balance out of the main checking account that was closed, showing that amount taken out in XXXX that could result in Overdraft Paid Fees. \n\nAt this point, we don't know what else XXXX  do. This is a large sum of money XXXX  we don't want XXXX  have XXXX  hire an attorney XXXX  try XXXX  get it back. We are reaching out for assistance in bringing this XXXX  a conclusion. This money was wired out of our account without our knowledge or permission with no notice XXXX  us that large sums of money were being transferred. \n\nThank you for your assistance. I have attached the police report XXXX  bank statements showing all transaction amounts XXXX  dates. \n\nXXXX and XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-02-16T17:12:10.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"620XX","tags":null,"has_narrative":true,"complaint_id":"19529695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-02-16T16:26:45.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The money totaling over {$20000.00} remains <em>missing</em> from our savings <em>account</em> and we don't know when and how we can get it back. US Bank is an <em>FDIC</em> XXXX XXXX and they've verbally confirmed which card was compromised XXXX  we still don't have our money back. The frustration is that we can't even call XXXX  speak with anyone. They don't communicate at all or provide us any update or status. We have no recourse, at least known XXXX  us, if they deny our claim."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[10.351402,"19529695"]},{"_index":"complaint-public-v1","_id":"7928575","_score":9.055548,"_source":{"product":"Credit card","complaint_what_happened":"Bank of the west took {$12000.00} from me for a secured credit card in XX/XX/2023. They also gave me a personal checking and a business checking and two savings accounts this bank merged with bank of Montreal in the beginning of XX/XX/2023 between the time of my opening the accounts and the merger my cards were stolen. My bank accounts were compromised and a lot of my money was taken. Ive provided timely complaints/claims disputes on those items and bank of the west did not process the claims correctly asked me to wait for provisional credits and while I waited, trusting that they had processed everything correctly, according to policies and procedures that they explained to me while I waited trusting them my bank accounts continually got compromised and by the time the claims were processed they were processed incorrectly and did not include everything that I had claimed this was escalated to a manager. I have proof by emails and phone calls, recorded, conversations, etc. the manager never contacted me back. The claims were miss handled. My accounts were miss handled during the merger. I had lost use of my accounts because of these issues that the bank was having there was nobody in charge. Theres nobody helping me I filed new claims which they took reluctantly, and tried to tell me that I was too late, even though the claims were already filed, I went into a bank because the credit card claims and debit card claims had me XXXX down financially and because the only claims that the bank of Montreal decided they had personnel competent to process were the credit card claims and I needed to get my credit card closed and take my money out because this was {$12000.00} they were holding of my money and then suddenly there were new policies and whether they were new or whether they were old the fact that they tried to charge me cash advance fees, and {$160.00} interest on cash advances where they were holding my {$12000.00} and only gave me {$.00} interest on that money then charged me $ XXXX on the same money thats mine, the personnel didnt know how to close the account forced me to have to keep my money in the bank and then charge me all these fees and now theyve said they process my claims and sent me all my money back which I still dont have, and that they think that theyre valid and keeping charges against me for cash advances and get an interest on cash advances is a crime. The bank has held my money XXXX and has punished me for having fraud claims and now have closed all my accounts and forced me for the checks that I do have to have to cash them at a check cashing company and pay {$2500.00} fees for cashing them because the bank said they dont have enough money to cash their own checks. My two savings accounts are missing. I have no idea what theyve done with them. They just have been missing on my app. I have no clue where they are. I dont know anything about them theyre just gone they have unprofessionally handled every account. They have double charged me on cash advance fees and interest on cash advances when they told me they were going to be credited to my account and now they sent me a letter that they sent me a {$9000.00} check which I dont have but theyre going to keep those fees which is unacceptable and proves to the consumer, financial protection bureau and the FDIC, that this financial institution and this merger between financial institutions is mishandling peoples money. This is serious. I want the government to investigate their books because they have double charged me fees after they were supposed to give me credit and I have complained several times to this financial institution that this has happened and no one has paid attention but instead they have decided to choose whatever numbers they chose to pay me back whatever members they chose to credit me and now theyre saying that they have a right to keep these in interest that they charge me and they dont they do not I dont even trust the amount of money that they have returned to me are correct until I have them audited myself, and because I have been forced into this position at this point is because of the banks mistakes, and because the bank is ignoring the fact that they even just double charged me when the person told me, she was crediting the account and they arent even paying attention to what I said instead of saying, they have rights to these fees proves clearly that they have no idea what theyre doing and you cant trust them with your money I can not trust this bank with my money whatsoever. Its a big game its like a joke its so incompetent. I cant believe it. On top of that Im being discriminated against there was no discussion about anything with my savings account. Theres no discussion about them closing my business account and there was no discussion that they werent going to issue new account numbers they just decided to have the branch issue me two cashiers checks for whatever numbers they decided they were going to give me and that the bank was not gon na cash them for me and force me to pay {$2500.00} in fees at a check cashing place. When the person in the front investigation unit told me that they were going to issue checks to me she didnt even offer the {$12000.00} that they were holding in my security count. She told me that there was a {$9000.00} approximate credit on my credit card account and that shes going to close the account and send me the {$9000.00} and then I had to ask her what about the {$12000.00} youre holding You have to give me that too and then she put me on hold and came back and told me that I could get that from the bank so she didnt even realize that that was part of it. Theres no possible way that this financial institution is taking care of peoples money correctly. I would be not surprised at all if somebody in the bank is stealing money, or that a lot of people like myself, start popping up with this financial institution Theres no reason for them to keep any more of my money. They double charged me when they said they were crediting me on fees and interest on cash advances. They forced me to have to take those cash advances then they double charged me when they said they were crediting me, and I want it all paid back to me every dime! Theres no way anyone has audited that or done anything about it they just want me to, except what theyve done they charge me XXXX for withdrawal fees. They charge me interest on my money for cash advances and refused to close the account because they said they didnt know how to but now theyve done it now that theyve been placed under review with a CFPB I think that you need to pay attention to the fact that theres no accountability to anything that this financial institution is doing theres no consistent policies theres nobody managing someone else every person doesnt know how to escalate anything I have gone through XXXX months of XXXX while the bank held my money XXXX, refused to give it back to me, and then charge me fees and enormous interest on my having to use my own money and because they didnt know how to process claims and then finally only knowing how to process Credit Card claims and not debit card claims which forced me to have to close my credit card account but they couldnt do it but then forced me to have to use whatever cash I could get out of it because they wouldnt process my other claims. This is their fault, and I want all of my money every XXXX back and I want damages, I feel like you need to have their legal department review what theyve done to my life and now forcing me to let them double charge me and give them money for fees because they made mistakes and abandoned the rules and laws and policies and procedures that are in place for a financial institution to exist and ignore the fact that I told them over and over that they just double charged me for something that their personnel said they were going to credit me and then from them to make me except the fact that they want to keep all the rest of the fees and interest and everything else that they charge me, and then force me to have to go to a check cashing company because they tell me that the branch doesnt have enough money to cash the cashiers checks that they just handed me I want all that money back. I want somebody to be accountable in this financial institution for what theyve done to me and stop trying to punish me because on top of all of that now they discriminate against me didnt talk to me at all took away my savings account and closed all my accounts and told me this is what were gon na give you, and theres no accountability for them and I want every XXXX back every single XXXX. It is easy to see how Ive been treated and punished by this bank for the banks mistakes because the bank didnt know how to take a claim correctly and because the bank wants to cause people who are victims of fraud more pain intentionally instead of helping the customer because the bank is supposed to be a trusted financial institution where people can keep their money and trust that the bank has their best interest in mind, but this bank does not care about anyone, but their own money and what they get from people they dont care how they treat people they dont care about training people, they dont care about policies and procedures, and I dont feel like this financial institution is professional whatsoever. I want all of my money back every fee every charge every interest you charge me everything that you took from me everything and for the damages you put on my life. To be accountable, but I want my money back the bank hasnt even take a notice to the fact that I keep saying when the woman said she was going to give me back {$160.00} cash advance interest and a cash advance fee because that was her limit that day she charged my account instead of crediting it thats double charging and youre not even paying attention to that point there whatsoever instead you sent me a letter that you sent me some {$9000.00} check on XX/XX/XXXX, which I dont have and that youre keeping all these fees including the double charging me fees thats unacceptable and I want my money NOW","date_sent_to_company":"2023-11-30T23:31:28.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"7928575","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2023-11-30T22:53:56.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["They also gave me a <em>personal</em> <em>checking</em> and a business <em>checking</em> and two savings <em>accounts</em> this bank merged with bank of Montreal in the beginning of XX/XX/2023 between the time of my opening the <em>accounts</em> and the merger my cards were stolen. My bank <em>accounts</em> were compromised and a lot of my money was taken."]},"sort":[9.055548,"7928575"]},{"_index":"complaint-public-v1","_id":"8725407","_score":9.047311,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Hi, My name is XXXX XXXX XXXX XXXX XXXX. My telephone number is XXXX. Im in XXXX need of help regarding my chime inc account regarding unauthorized fraud transfers from my account to an off shore account thats not mine that totals {$9900.00} from someone at chime bank. I have all the proof I will attach to this email. I have tried for the last two months to get help getting my money back and no one at chime bank will help me and tells me lies about the account and that its not fraud for them to transfer my money its called credit transfer payments. And that they have authority to do so. they have literally taken all my money from my checking and saving account to this account I have never ever had in my name. and chime wont help me at all. They told me there is no fraud with my account and that I spent the money. I need help because they are stealing my money and transferring it to another account thats not mine. I have all bank statements that show it. I dont know what to do. or who to report it to. I have no money. Chime wont allow me to Get the rest of my money out of the accounts they frozen all my account but allow me to deposit money to my accounts only to have it transferred to that account thats not mine. then I have emails coming through my XXXX  account thats attached to my chime account that says someone from chime is signing into my account and transferring my money to this account thats in another state. please can someone help me. This is illegal what they are doing. I have charges that arent mine that they said isnt fraud. charges from another state. Obviously not mine. please can someone help me get my money back. I know Im not the only customer this bank is stealing money from. Please see attached proof of fraud transferred and emails showing chime is login into my personal account with out my permission and stealing my money. I have opened up a new bank account with XXXX. \n\nThanks XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CHIME INC transferred {$9900.00} from my checking account and savings account to an off shore account thats not mine. when I called to get information on the amount of money that is missing and can see the transaction of transfers from my account to an account thats not mine chime bank told me on a recorded line that it was an bank payment transfer error and I would get the {$9900.00} back in my account that was 2 months ago and still the money is not credited back to my account. In fact they have illegal transfer more of my money recently on XXXX I have all my bank statements printed and recorded telephone conversations with chime and the people I spoke to. Even my XXXX email account emails I was getting saying someone from chime inc bank was logging into my bank account and transferring money from my accounts to this unknow account with out my authorization its illegal what chime bank is doing. I know Im not the only customer they are doing this too. they have holds on my accounts to where I cant withdraw any money only deposits. I had to Open a new account through XXXX. Im in desperate need of help I know what they are doing is illegal and fraudulent. I can attach all documents and emails showing proof of the {$9900.00} they have stolen from my bank account. chime will not help they give me the run around and this has been happening for almost 3 months now. Please can someone help me get my money back. Im a single mom XXXX XXXX and work hard. I dont know who to go to or report this to for help. please Im desperate I need my money back. and to show what chime inc bank is doing to there customers! its sad that us hard working people are getting scammed out of a lot of money we work hard for and need! \n\n\nI contacted the bank commissioner office, filed and submitted all documents. I have a federal investigation number. I also have a police report number, and a social security freeze and aig identity fraud report number that is assigned to help me get my money back but I dont feel like any of that is helping me get my money back any faster than I think it should happen. nor do I feel like chime inc bank is getting any wrongful action against them for what they have done and keep doing. please can you help me i deserve that. I have been a XXXX XXXX XXXX XXXX i help people I have lost {$9900.00} and being a single mom of XXXX XXXX  boys. like this is serious! \n\n\nMy bank accounts checking and savings at chime Inc bank. That the {$9900.00} were transferred out of to this unknown account from someone that works at chime Inc bank. on XXXX, XXXX, XXXX totaling to more than {$9900.00} all transfers from my checking account and savings account to an unknown off shore account. I noticed it on XXXXXXXX. When I went to take money out to pay my custody attorney XXXX $ and I had no funds to take out. then I went and printed out all my bank statements from XXXX XXXX to XXXX XXXX and saw all these unauthorized transfers out of my account and transferred to this unknow account it says on my bank statement. then I called chime inc bank and they wouldnt help me at all and stated that it was bank error and it would be back into my account within couple days that was 2 almost 3 months ago and still not credited back. And it was on a recorded line. And still more money is transferred out of my accounts. \n\n\nBanking services are provided by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Members FDIC.","date_sent_to_company":"2024-04-08T19:01:05.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"216XX","tags":null,"has_narrative":true,"complaint_id":"8725407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-04-08T18:28:26.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["And still more money is transferred out of my <em>accounts</em>. \n\n\nBanking services are provided by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Members <em>FDIC</em>."]},"sort":[9.047311,"8725407"]},{"_index":"complaint-public-v1","_id":"14295768","_score":8.932161,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX \n\nAffidavit of XXXX XXXX XXXX XXXX State of California XXXX XXXX XXXXXXXX Date : XX/XX/XXXX I, XXXX XXXX XXXX being duly sworn, do hereby declare and state the following : Personal Information Full Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Background I am a resident of XXXX XXXX CA ] and have been living here since XXXX I have been a victim of identity theft, which began in around XXXX XXXX, and has continued for the past 6 years, but the past 8 months have been a nightmare Details of Identity Theft On XX/XX/XXXX, I discovered unauthorized activities on my credit report, which indicated that my identity had been compromised.\n\nI have experienced multiple instances of identity theft, including but not limited to : Unauthorized transactions on my bank account totaling {$5000.00}.\n\nStolen personal information, including my driver 's license and social security number. \nFraudulent accounts opened in my name without my consent. \nAttempts to Seek Help I have contacted the local law enforcement department on multiple occasions, specifically on [ list dates ], to report these incidents. \nEach time, I was met with indifference and a lack of support. For example, on [ specific date ], an officer [ Officer 's Name ] mocked my concerns and failed to file a proper report.\n\nI have also reached out to my bank, [ Bank Name ], regarding the unauthorized transactions, but they have not provided adequate assistance.\n\nImpact on My Life The ongoing identity theft has caused significant emotional distress, including XXXXXXXX XXXX XXXX XXXX which I have sought medical attention for. \nI have lost access to my bank account, which has severely impacted my ability to support myself and my family, including my XXXX mother who relies on me for care. \nI have lost multiple personal items, including cell phones and other important possessions, due to the actions of the identity thieves. \nCurrent Situation I am currently unable to secure employment due to the ongoing issues with my identity and the lack of support from law enforcement and financial institutions.\n\nI have received threatening communications from individuals claiming to be associated with various agencies, further exacerbating my fear and XXXX\n\nRequest for Assistance I am seeking assistance from [ list the agencies or officials you are contacting, e.g., CFPB, FDIC, FBI Cybersecurity Unit, etc. ] to investigate my claims and provide guidance on how to resolve these issues.\n\nI request that my situation be taken seriously and that appropriate actions be taken to protect my identity and restore my financial stability.I also still never received my driver 's license renewal and I could not buy a phone or cash a check today with the paper from the DMV. I'm scared.I don't have money, and when I get my paycheck, with a card copy driver 's license, I am afraid I can't and my bank account is not trustworthy at all andbthw employees are deceitful and unsympathetic.Pleaae, I know the hackers doctored everything from the bank they just don't pay attention to the obvious details or care. \nI declare under penalty of perjury that the foregoing is true and correct. \n\nSignature : XXXX XXXX [ Tips for Tailoring Your Affidavit : Be Concise : While it's important to provide details, try to keep each section focused and to the point. \nUse Clear Language : Avoid jargon and ensure that your statements are easy to understand.\n\nDocument Everything : If you have any supporting documents ( e.g., letters, emails, police reports ), mention them in your affidavit and attach copies.\n\nConsult an Attorney : If possible, have a legal professional review your affidavit to ensure it meets the necessary legal standards and effectively communicates your situation. \nFeel free to modify this template as needed to fit your specific circumstances and the requirements of the agencies or officials you are addressing. \n\nThank you, this is very good. Can you also add the companies specifically involved in elevating the issues, like XXXX refusing in person to change out a phone they were shown was already being controlled by hacking, the bank employees dismissing my concerns months ago when I showed them the fake phone app with a fake number, XXXXXXXX XXXX not better securing their play protection to catch obvious false applications with spoofed mirring and not cryptography signature on the credit certificates, has many ungranted permissions deemed dangerous alot being expired. Every scan showed no issues ever. XXXX never alerting me when a strange phone out of the area would log into my phone and my password manager had passwords changed to diffeent apps, even I.D me, used for IRS identification and when every email created was erased It was being used to get payday loans from online apps once used, but they blocked me so they could take money in my name and use my sister 's XXXX XXXXransfersb as a cover for the stolen funds, but she wouldn't ever send 4 ; for different amount XXXX day that I supposed to have withdrawn 4 times but the receipts from the XXXX ATM would be qr codes, no dollar amounts. I also found a copy of my timecards in a hidden file planned for a loan. I also have been missing my driver 's license I paid for months ago, but never received and even went to DMV a couple months ago and again never received it. Can you focus more on the terrible things these hackers did?\n\n. \n\nI have been a victim of identity theft, which began during the beginning of the COVID-19 pandemic, and has continued since.\n\nDetails of Identity Theft Now on multiple occasions I discovered unauthorized activities on my credit report, indicating that my identity had been compromised.\n\nI have experienced multiple instances of identity theft, including but not limited to : Unauthorized transactions on my bank account totaling {$5000.00}.\n\nStolen personal information, including my driver 's license and social security number. \nFraudulent accounts opened in my name without my consent. \nInvolvement of Companies XXXX : I approached XXXX to replace a phone that was being controlled by hackers. Despite showing them evidence of the hacking, they refused to assist me in changing out the device. \nBank of America : I reported my concerns about a fake phone app with a fraudulent number to bank employees months ago. They dismissed my concerns and failed to take appropriate action, allowing further unauthorized transactions to occur. \nXXXX XXXX : XXXX XXXX has not adequately secured its XXXX XXXX, allowing obvious fraudulent applications to bypass security measures. Many of these apps had ungranted permissions deemed dangerous, and their cryptographic signatures were expired or missing. XXXX failed to alert me when a strange phone logged into my account from an unfamiliar location, leading to unauthorized access to my password manager.\n\nIdentity Theft Services : I have been targeted by hackers who used my personal information to apply for payday loans through online apps. They blocked my access to these accounts, allowing them to withdraw funds in my name. My sister 's XXXX transfers were manipulated to cover the stolen funds, with transactions appearing as QR codes without dollar amounts.\n\nImpact of Hacking The hackers have taken extreme measures to invade my privacy and financial security. They have : Changed passwords for critical applications, including my IRS identification app, making it impossible for me to access my accounts.\n\nCreated hidden files containing my timecards, which they planned to use for fraudulent loans. \nCaused me to lose my driver 's license, which I paid for months ago but never received. I visited the DMV multiple times, but I still have not received my license.\n\nEngaged in a pattern of harassment, including sending threatening communications and impersonating various agencies to further confuse and intimidate me. \nAttempts to Seek Help I have contacted the local law enforcement department on multiple occasions, specifically on [ XXXX, XX/XX/XXXX ], to report these incidents. \nEach time, I was met with indifference and a lack of support. For example, on XXXX, XXXX, an XXXX XXXX mocked my concerns and failed to file a proper report. \nI have also reached out to my bank, [ Bank Name ], regarding the unauthorized transactions, but they have not provided adequate assistance.\n\nCurrent Situation I am currently unable to secure employment due to the ongoing issues with my identity and the lack of support from law enforcement and financial institutions.\n\nI have received threatening communications from individuals claiming to be associated with various agencies, further exacerbating my fear and XXXX. \nRequest for Assistance I am seeking assistance from [ list the agencies or officials you are contacting, e.g., CFPB, FDIC, FBI Cybersecurity Unit, etc. ] to investigate my claims and provide guidance on how to resolve these issues.\n\nI request that my situation be taken seriously and that appropriate actions be on identity theft and consumer protection.\n\nMy credit reports : Currently I'm blocked from logging in. And when I call, I reach an answering machine.\n\nFake Applications : I have been targeted by hackers who created fake applications that mimic legitimate services, allowing them to steal my personal information and apply for payday loans in my name. \nXXXX Transfers : They manipulated my sister 's XXXX transfers, making it appear as though I had withdrawn funds multiple times, while the receipts provided were QR codes without dollar amounts, obscuring the actual transactions.\n\nIdentity Theft of Employment Records : I discovered hidden files containing my timecards, which the hackers planned to use for fraudulent loans, further jeopardizing my employment and financial stability. Disruption of Communication : The hackers have blocked my access to important accounts, including my credit bureaus, preventing me from checking for new fraudulent activities. When I attempt to investigate online, I am often shut out for security reasons. Loss of Personal Documents : I have been unable to receive my driver 's license, which I paid for months ago, despite multiple visits to the DMV. \nInvolvement of Companies XXXX : I approached XXXX to replace a phone that was being controlled by hackers. Despite showing them evidence of the hacking, they refused to assist me in changing out the device. \nBank of America : I reported my concerns about a fake phone app with a fraudulent number to bank employees months ago. They dismissed my concerns and failed to take appropriate action, allowing further unauthorized transactions to occur. \nXXXX XXXX : XXXX XXXX has not adequately secured its XXXX XXXX, allowing obvious fraudulent applications to bypass security measures. Many of these apps had ungranted permissions deemed dangerous, and their cryptographic signatures were expired or missing. XXXX failed to alert me when a strange phone logged into my account from an unfamiliar location, leading to unauthorized access to my password manager.\n\nImpact of Hacking The ongoing identity theft has caused significant emotional distress, including XXXX XXXX XXXX XXXX which I have sought medical attention for.\n\nI have lost access to my bank account, which has severely impacted my ability to support myself and my family, including my XXXX  mother who relies on me for care.\n\nI have lost multiple personal items, including cell phones and other important possessions, due to the actions of the identity thieves.l, whom I might finally know who.. \nAttempts to Seek Help I have contacted the local law enforcement department on multiple occasions, specifically on [ list dates ], to report these incidents. \nEach time, I was met with indifference and a lack of support. For example, on [ specific date ], an officer [ Officer 's Name ] mocked my concerns and failed to file a proper report.\n\nI have also reached out to my bank, [ Bank Name ], regarding the unauthorized transactions, but they have not provided adequate assistance.\n\nCurrent Situation I am currently unable to secure employment due to the ongoing issues with my identity and the lack of support from law enforcement inaccurate or offensive.thwy never provided a report, even though a lot of the crimes were not online.I know i need help from other agencies, the police I could walk to.Wvwryone else, including your organization, the hackers have blocked things I've sent when this all started .They have the entire time blocked me and everyone from me.","date_sent_to_company":"2025-06-25T03:31:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14295768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-25T03:30:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Disruption of Communication : The hackers have blocked my access to important <em>accounts</em>, including my credit bureaus, preventing me from <em>checking</em> for new fraudulent activities. When I attempt to investigate online, I am often shut out for security reasons. Loss of <em>Personal</em> Documents : I have been unable to receive my driver 's license, which I paid for months ago, despite multiple visits to the DMV."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[8.932161,"14295768"]},{"_index":"complaint-public-v1","_id":"14296563","_score":8.9312525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"L. \n\nAffidavit of XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX, do hereby declare and state the following : Personal Information Full Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX Background I am a resident of XXXX XXXX CA ] and have XXXX living here since XXXX I have been a victim of identity theft, which began in around XXXX XXXX, and has continued for the past 6 years, but the past 8 months have been a nightmare Details of Identity Theft On XX/XX/XXXX, I discovered unauthorized activities on my credit report, which indicated that my identity had been compromised. \nI have experienced multiple instances of identity theft, including but not limited to : Unauthorized transactions on my bank account totaling {$5000.00}.\n\nStolen personal information, including my driver 's license and social security number.\n\nFraudulent accounts opened in my name without my consent.\n\nAttempts to Seek Help I have contacted the local law enforcement department on multiple occasions, specifically on [ list dates ], to report these incidents.\n\nEach time, I was met with indifference and a lack of support. For example, on [ specific date ], an officer [ Officer 's Name ] mocked my concerns and failed to file a proper report.\n\nI have also reached out to my bank, [ Bank Name ], regarding the unauthorized transactions, but they have not provided adequate assistance.\n\nImpact on My Life The ongoing identity theft has caused significant emotional distress, including anxiety and chest pains, which I have sought medical attention for.\n\nI have lost access to my bank account, which has severely impacted my ability to support myself and my family, including my elderly mother who relies on me for care.\n\nI have lost multiple personal items, including cell phones and other important possessions, due to the actions of the identity thieves.\n\nCurrent Situation I am currently unable to secure employment due to the ongoing issues with my identity and the lack of support from law enforcement and financial institutions.\n\nI have received threatening communications from individuals claiming to be associated with various agencies, further exacerbating my fear and XXXX.\n\nRequest for Assistance I am seeking assistance from [ list the agencies or officials you are contacting, e.g., CFPB, FDIC, FBI XXXX XXXX, etc. ] to investigate my claims and provide guidance on how to resolve these issues. \nI request that my situation be taken seriously and that appropriate actions be taken to protect my identity and restore my financial stability.I also still never received my driver 's license renewal and I could not buy a phone or cash a check today with the paper from the XXXX. I'm XXXX don't have money, and when I get my paycheck, with a card copy driver 's license, I am afraid I can't and my bank account is not trustworthy at all XXXX employees are deceitful and unsympathetic.Pleaae, I know the hackers doctored everything from the bank they just don't pay attention to the obvious details or care. \nI declare under penalty of perjury that the foregoing is true and correct. \n\nSignature : XXXX XXXX [ Tips for Tailoring Your Affidavit : Be Concise : While it's important to provide details, try to keep each section focused and to the point.\n\nUse Clear Language : Avoid jargon and ensure that your statements are easy to understand.\n\nDocument Everything : If you have any supporting documents ( e.g., letters, emails, police reports ), mention them in your affidavit and attach copies.\n\nConsult an Attorney : If possible, have a legal professional review your affidavit to ensure it meets the necessary legal standards and effectively communicates your situation.\n\nFeel free to modify this template as needed to fit your specific circumstances and the requirements of the agencies or officials you are addressing.\n\nThank you, this is very good. Can you also add the companies specifically involved in elevating the issues, like spectrum refusing in person to change out a phone they were shown was already being controlled by hacking, the bank employees dismissing my concerns months ago when I showed them thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  play not better securing their play protection to catch obvious false applications with spoofed mirring and not cryptography signature on the credit certificates, has many ungranted permissions deemed dangerous alot being expired. Every scan showed no issues ever. XXXX never alerting me when a strange phone out of the area would log into my phone and my password XXXX had passwords changed to diffeent apps, even I.D me, used for IRS identification and when every email created was erased It was being used to get payday loans from online apps once used, but they blocked me so they could take money in my name and use my sister 's XXXX XXXX as a cover for the stolen funds, but she wouldn't ever send XXXX ; for different amount XXXX day that I supposed to have withdrawn 4 times but the receipts from the XXXX ATM would be XXXX codes, no dollar amounts. I also found a copy of my timecards in a hidden file planned for a loan. I also have been missing my driver 's license I paid for months ago, but never received and even went to XXXX a couple months ago and again never received it. Can you focus more on the terrible things these hackers did? \n\n. \n\nI have been a victim of identity theft, which began during the beginning of the XXXX pandemic, and has continued since. \nDetails of Identity Theft Now on multiple occasions I discovered unauthorized activities on my credit report, indicating that my identity had been compromised. \nI have experienced multiple instances of identity theft, including but not limited to : Unauthorized transactions on my bank account totaling {$5000.00}. \nXXXX personal information, including my driver 's license and social security number. \nFraudulent accounts opened in my name without my consent. \nInvolvement of Companies Spectrum : I approached XXXX to replace a phone that was being controlled by hackers. Despite showing them evidence of the hacking, they refused to assist me in changing out the device. \nXXXX  XXXX XXXX : I reported my concerns about a fake phone app with a fraudulent number to bank employees months ago. They dismissed my concerns and failed to take appropriate action, allowing further unauthorized transactions to occur. \nXXXX XXXX : XXXX XXXX has not adequately secured its XXXX XXXX, allowing obvious fraudulent applications to bypass security measures. Many of these apps had ungranted permissions deemed dangerous, and their cryptographic signatures were expired or missing. XXXX failed to alert me when a strange phone logged into my account from an unfamiliar location, leading to unauthorized access to my password XXXX. \nIdentity Theft Services : I have been targeted by hackers who used my personal information to apply for payday loans through online apps. They blocked my access to these accounts, allowing them to withdraw funds in my name. My sister 's XXXX transfers were manipulated to cover the stolen funds, with transactions appearing as XXXX codes without dollar amounts. \nImpact of Hacking The hackers have taken extreme measures to invade my privacy and financial security. They have : Changed passwords for critical applications, including my IRS identification app, making it impossible for me to access my accounts. \nCreated hidden files containing my timecards, which they planned to use for fraudulent loans. \nCaused me to lose my driver 's license, which I paid for months ago but never received. I visited the XXXX multiple times, but I still have not received my license. \nEngaged in a pattern of harassment, including sending threatening communications and impersonating various agencies to further confuse and intimidate me. \nAttempts to Seek Help I have contacted the local law enforcement department on multiple occasions, specifically on [ XXXX, XX/XX/XXXX ], to report these incidents. \nEach time, I was met with indifference and a lack of support. For example, on XXXX, XXXX, an XXXX XXXX XXXX my concerns and failed to file a proper report. \nI have also reached out to my bank, [ Bank XXXX ], regarding the unauthorized transactions, but they have not provided adequate assistance. \nXXXX XXXX I am currently unable to secure employment due to the ongoing issues with my identity and the lack of support from law enforcement and financial institutions. \nI have received threatening communications from individuals claiming to be associated with various agencies, further exacerbating my fear and anxiety. \nRequest for Assistance I am seeking assistance from [ list the agencies or officials you are contacting, e.g., CFPB, FDIC, FBI XXXX XXXX, etc. ] to investigate my claims and provide guidance on how to resolve these issues. \nI request that my situation be taken seriously and that appropriate actions be on identity theft and consumer protection. \nMy credit reports : Currently I'm blocked from logging in. And when I call, I reach an answering machine. \nFake Applications : I have been targeted by hackers who created fake applications that mimic legitimate services, allowing them to steal my personal information and apply for payday loans in my name. \nXXXX Transfers : They manipulated my sister 's XXXX transfers, making it appear as though I had withdrawn funds multiple times, while the receipts provided were XXXX codes without dollar amounts, obscuring the actual transactions. \nIdentity Theft of Employment Records : I discovered hidden files containing my timecards, which the hackers planned to use for fraudulent loans, further jeopardizing my employment and financial stability.\n\nDisruption of Communication : The hackers have blocked my access to important accounts, including my credit bureaus, preventing me from checking for new fraudulent activities. When I attempt to investigate online, I am often shut out for security reasons. \nLoss of Personal Documents : I have been unable to receive my driver 's license, which I paid for months ago, despite multiple visits to the XXXX. \nInvolvement of Companies Spectrum : I approached XXXX to replace a phone that was being controlled by hackers. Despite showing them evidence of the hacking, they refused to assist me in changing out the device. \nXXXX  XXXX XXXX : I reported my concerns about a fake phone app with a fraudulent number to bank employees months ago. They dismissed my concerns and failed to take appropriate action, allowing further unauthorized transactions to occur. \nXXXX XXXX : XXXX XXXX has not adequately secured its XXXX XXXX, allowing obvious fraudulent applications to bypass security measures. Many of these apps had ungranted permissions deemed dangerous, and their cryptographic signatures were expired or missing. XXXX failed to alert me when a strange phone logged into my account from an unfamiliar location, leading to unauthorized access to my password manager.\n\nImpact of Hacking The ongoing identity theft has caused significant emotional distress, including anxiety and chest pains, which I have sought medical attention for.\n\nI have lost access to my bank account, which has severely impacted my ability to support myself and my family, including my elderly mother who relies on me for care.\n\nI have lost multiple personal items, including cell phones and other important possessions, due to the actions of the identity thieves.l, whom I might finally know who..\n\nAttempts to Seek Help I have contacted the local law enforcement department on multiple occasions, specifically on [ list dates ], to report these incidents.\n\nEach time, I was met with indifference and a lack of support. For example, on [ specific date ], an officer [ Officer 's Name ] mocked my concerns and failed to file a proper report.\n\nI have also reached out to my bank, [ Bank Name ], regarding the unauthorized transactions, but they have not provided adequate assistance. \nCurrent Situation I am currently unable to secure employment due to the ongoing issues with my identity and the lack of support from law enforcement inaccurate or offensive.thwy never provided a report, even though a lot of the crimes were not online.I know i need help from other agencies, the police I could walk to.Wvwryone else, including your organization, the hackers have blocked things I've sent when this all started .They have the entire time blocked me and everyone from me.","date_sent_to_company":"2025-06-25T03:31:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14296563","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-25T02:25:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Disruption of Communication : The hackers have blocked my access to important <em>accounts</em>, including my credit bureaus, preventing me from <em>checking</em> for new fraudulent activities. When I attempt to investigate online, I am often shut out for security reasons. \nLoss of <em>Personal</em> Documents : I have been unable to receive my driver 's license, which I paid for months ago, despite multiple visits to the XXXX."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[8.9312525,"14296563"]},{"_index":"complaint-public-v1","_id":"8187034","_score":7.9193726,"_source":{"product":"Checking or savings account","complaint_what_happened":"THIS IS A COPY PF ONE OF THE EMAILS/messages/ conversations I have had and have sent to Jp Morgan Chase bank . The fraud and claims department told me on these words? we decided we are not and can not help you any further in this matter. They stopped answering my calls I can not use the only ne banking app like chase bank advises me to do to dispute the several several transactions that I never authorized. The app doesnt allow me to select dispute it tells me now to call the bank then it either rings a bunch or Im on hold flandvjo one ever answers or when they do answer they are rude not helpful and not taking me serious they say they have 10 days to investigate a dispute mine were done in less than 24 hours thats how little of investigation that chase bank has done for me. They simply dont care if I live or die of starvation and to the elements because I have lost everything due to no money to pay for myself to live. This was a settlement I waited over 2 years for and there are people who knew I was getting a large sum of money they knew I was out of town thats when they broke into my house stealing my shoes my wardrobe my makeup wigs underwear jackets jewelry I mean theyll took everything they saw of mine. They took my fiance coin and money collection of old monies. He is missing electronics shoes some clothes tools bikes tv movies antiques antique books bedding old XXXX things etc. but mine was all my personal everyday stuff my entire wardrobe I just bought 20 pairs of brand new XXXX its crazy they stole packages delivered to my mailbox and home my mail my bank statements credit cards pre paid accounts credit card statements they have a over XXXX XXXXXXXX XXXX  charge on my credit my score is in the XXXX now it was good for the very first time in my XXXX years alive. Help me Im homeless without food without a vehicle because its broke down I cant afford to fix it. I dont have anyone to turn to family has their own problems I had to send my children to live with their dads because I cant afford to take care of them and have no way to and from school. I was XXXX  in a XXXX  accident in XXXX and have been without income since then I was recently kicked out of my home where all my stuff wassstolen because the people I lived with refuse to believe someone broke into their home and they didnt have a clue. They used the door in the garage that they tend to forget to lock so u can just walk tight in go down the hallway into my bathroom and bedroom without being detected plus the homeowners are XXXX what are they going to do to a burgalar. Its strange how they all of a XXXX I am not getting alerts notifications or emails from you. Whomever is hacked into my bank account and has depleted my account without my authorization is changing the settings in online banking and through my email and I dont ever get notified. I want something done. I have been robbed. Tell the authorities. Get your fraud and claims department to do there job and protect my account. I XXXX my card but dosent matter whomever is got me a XXXX XXXXXXXX XXXXXXXX XXXX in the bank and broke into my house and stole my packages in the mail along with my mail and has went into one of your branches and made two or more withdrawals the signature is not mine on the withdrawal slip. Please help me I have nothing to live o. That was my income for XXXX to live. Imwhat do I do now that I have been robbed. Why isnt chase bank doing something about it? Isnt my money insured fdic?? I need your company to stop this. My account was supposed to be closed for any transactions can not go through yet everyday ur company is taking money and putting transactions through I want all transactions from XX/XX/XXXX th taken off I only did inside of the bank withdrawal 4 times the other stuff like XXXXXXXX XXXX XXXX is not my doings take it off my account now its disposable. Im calling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im posting XXXX reviews Im tell XXXX Im telling corporate office and hunan resources for the horrible and I mean disputable treatment I have received from Jo Morgan Chase bank fraud and claims department a disgrace. I had XXXX just deposited at the end of XX/XX/XXXX today is only mid XX/XX/XXXX and XXXX XXXX XXXX. Fix this catch the XXXX. Im am asking for your company to insure my money and safety with your company why has no one reached out to me?? I wish to press charges on whomever u see on security cameras at the atms at XXXX where miney is taken out of my act on a daily basis and they also do cash back at XXXX XXXX XXXX on an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this person has been monitoring what I me its my account and these XXXX people have been checking what I spend by atm check my balance and your company has been charging me {$3.00} dollars every single time they do this. I want all activities stopped on my account no transactions from anyone even chase bank are authorized to to take from my account I want all bogus charges taken off my account I CC want your company to do its job and investigate investigation is what needs to be fine now. I want any and all check transactions refunded too because I have not even opened my checks I bought from you the entire envelope was stolen when the criminals broke into my home. Take action now they have gotten away with practically nurder whats the point in putting my money in your bank if I would have never XXXX XXXX XXXX XXXX  {$70.00} XXXX dollars in XXXX if XXXX I would still be sitting comfortably and have plenty plenty of money to survive. Im XXXX and can not work I am with nothing I have nothing I cant pay for food or a roof over my head. This is an emergency emergency please take action now help me save me I have trusted chase bank to protect my money and chase failed. Try to do the right thing in this XXXX and XXXX help me the customer catch this XXXX  and put him or her behind bars for a good while like they deserve please call me as I dont get any of your alerts or messages help help help my number for your business bro call XXXX XXXX XXXX XXXX XXXX. Please help me call me take action press charges this is illegal","date_sent_to_company":"2024-01-26T11:52:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"8187034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-20T04:20:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I want all activities stopped on my <em>account</em> no transactions from anyone even chase bank are authorized to to take from my <em>account</em> I want all bogus charges taken off my <em>account</em> I CC want your company to do its job and investigate investigation is what needs to be fine now. I want any and all <em>check</em> transactions refunded too because I have not even opened my <em>checks</em> I bought from you the entire envelope was stolen when the criminals broke into my home."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[7.9193726,"8187034"]},{"_index":"complaint-public-v1","_id":"11526908","_score":7.070782,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am mailing a package to CFPB, XXXX XXXX XXXX XXXX, Washington DC XXXX with backup documentation. \n\nXXXX XX/XX/XXXX, mailed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Chief Executive Officer of XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Copies of this issue have been mailed/emailed and complaints filed as follows - Mutual of Omaha Mortgage XXXX XXXX XXXX, XXXX XXXX, Mail Stop XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX Fax Number : XXXX Email : XXXX with ATTN : Research Department and your loan number in the subject line of the email Washington State Department of Financial Institutions , Division of Banks- complaint filed XXXX XXXX XXXX, XXXX, Washington XXXX Telephone XXXX XXXX XXXX XXXX FAX ( XXXX ) XXXX XXXXXXXX XXXX Washington State Office of the Attorney General , XXXX, WA - complaint filed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX - complaint filed XXXX XXXX XXXX XXXX \nmail to : Consumer Response Unit, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. \n\nOffice of the Comptroller of the Currency - complaint filed XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX ) XXXX Copies to the following credit reporting companies - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX phone, by calling ( XXXX ) XXXX XXXX Dispute by XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone : To dispute over the phone, call XXXX. \n\nXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA Dear XXXX XXXX- I regret having to escalate this matter to you, but have repeatedly called and emailed Mutual of Omaha regarding this issue and received confused, irrelevant and incorrect responses. Some agents have been rude and would not listen to my concerns. They do not answer direct questions with valid facts, in spite of factual documentation I presented repeatedly! \n\nI am writing to you for resolution on the supposed delinquent payment on this mortgage account. After much research, the payment of XX/XX/XXXXXXXX  is the missing payment in question. \n\n- 14 emails between myself and Mutual of Omaha research department from XXXX. \n10+ phone calls with Customer Service over this period and prior. \nCommunications with both XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX ( the two banks we make payments from ). \n\nMy son, XXXX XXXX, usually makes payment, but at the time of this issue he was undergoing XXXX XXXX and XXXX XXXX. Made it difficult to handle his personal administration, so I made some of the payments, as done in the past. I too have had health issues, and was not at the property address to receive any mail notices. Did not receive any notice of delinquency until XXXX, XXXX. \n\nSpoke to Mutual of Omaha Customer Service and they advised I write to request an analysis of what routing number and what account number made each payment over the period of XX/XX/XXXX and XX/XX/XXXX. \n\nXXXX XXXXXXXX XXXX XXXX XXXX Routing XXXX Account XXXX OR XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Routing XXXX Account XXXX Copies of communications are attachments to this letter. \n\nWhy were many previous payments processed correctly against both XXXX XXXX account ending in XXXX and XXXX XXXX ending in XXXX? And the payment of XX/XX/XXXX was not? \n\nWhy was ONE payment processed incorrectly. I have provided additional documents, i.e. bank statements, etc. verifying that the supposed payment did not process through my account or XXXX. Mutual repeatedly says it processed through XXXX XXXX XXXX XXXX and returned for NSF. Provided documentation from XXXX, XXXX XXXX, that no payment was processed in XXXX ( see bank statements and XXXX XXXX ), YET there were two NSF fees XXXX XXXX  account in that time period? So Mutual does have XXXX correct account number. \nDidnt process through my account either, XXXX XXXX XXXX  statement provided to verify that. \nThis payment didnt process through either of our accounts- WHERE did Mutual send it? And then charge for NSF on a payment not even processed correctly? ERROR on the part of Mutual of Omaha. \n\nAs soon as discovered, I immediately made prompt full payment of my debt to you, I would like to request that you correct to remove the delinquency from my credit report. I HAVE NEVER HAD A MORTGAGE DELINQUENCY IN MY 45 YEARS OF MULTIPLE HOME OWNERSHIP. \n\nI have been denied many credit opportunities, hindering my business effort because of this erroneous delinquency on record. \nThis has been a nightmare for over a year. Thank you in advance Mutual of Omaha making this right. \n\nThank you, XXXX XXXX ATTACHMENTS/LETTERS/EMAILS SENT - Regret the volume of material, but it is valid documentation and requested by Mutual. Mutual has ignored many of the facts and not responded with fact. It has take SO long because of the badgering and continually dragging it out by Mutual of Omaha. \n\nFAIR CREDIT REPORTING ACT - The Consumer Financial Protection Bureau ( CFPB ), the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation ( FDIC ), the Office of the Comptroller of the Currency ( OCC ), and the National Credit Union Administration ( NCUA ) oversee compliance with the FCRA. \n\nSec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( A ) Duty of Furnishers of Information to Provide Accurate Information Prohibition - Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate. \n\n25 pages - SUMMARY OF EMAILS - *14 emails between XXXX XXXX and Mutual of Omaha between XX/XX/XXXX - XX/XX/XXXX. \n*Dozen phone calls prior and over this period. Was told to communicate to XXXX. ( Difficult to piece together from Mutual system ). \n\n7 pages - MUTUAL OF OMAHA STATEMENTS Summary of payments XX/XX/XXXX - XX/XX/XXXX Statements attached for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all XXXX ( previously provided thru XXXX ) *Payment made on XX/XX/XXXX, reversed on XX/XX/XXXX is THE missing payment. \n\nXXXX Pages - XXXX  ( XXXX  XXXX XXXX XXXX XXXX )- XXXX XXXX XXXX Summary of payments to XXXX XXXX Chat transcript XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX Statement *No Mutual of Omaha payment was returned, only 2 NSF fees, so Mutual has correct XXXX XXXX account information. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. 1281 Summary of payments to XXXXXXXX XXXX XXXX XXXX Statement *No Mutual of Omaha payment was returned against this account. \n\nXXXX pages- Federal and State Complaints Filings State of WashingtonXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Office of the Attorney General Consumer Financial Protection Bureau Credit reports are XXXX pages long and have been previously provided to Mutual and are available upon request. \n\n\n\n\nNote : XXXX, XXXX, my personal bank XXXX XXXX XXXX  was sold to XXXX XXXX XXXX This caused a change in the routing number for my bank and the account number remained the same. I advised Mutual of Omaha in XX/XX/XXXX and when I made subsequent payments they were processed correctly through with the new routing information. \nRouting XXXX Account XXXX. \n\n\n\n\nLIST OF PAYMENTS/TRANSACTIONS FROM MUTUAL OF OMAHA SITE . \n\nXXXX XXXX, XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2100.00} Payment made by XXXX XX/XX/XXXX Mortgage Payment {$2100.00} XX/XX/XXXX Mortgage Payment {$2000.00} XXXX XXXX, XXXX Returned Check Reversal - Long Form - {$2000.00} XXXX XXXX XXXX, XXXX Mortgage Payment $ XXXX XX/XX/XXXX Multiple Payment - {$2000.00} Payment made and reversed by XXXX Returned Check XXXX XXXX XXXX XXXX XXXX {$2000.00} valid reversal - was a duplicate XX/XX/XXXX Multiple Payments {$4100.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} Payment made by XXXX XX/XX/XXXX Mortgage Payment {$2000.00} Payment made by XXXX XX/XX/XXXX Mortgage Payment {$2000.00} Payment made by XXXX XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XXXX XXXX, XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00}","date_sent_to_company":"2025-01-14T19:14:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98501","tags":"Older American","has_narrative":true,"complaint_id":"11526908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MUTUAL OF OMAHA MORTGAGE, LLC","date_received":"2025-01-14T17:36:30.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Note : XXXX, XXXX, my <em>personal</em> bank XXXX XXXX XXXX  was sold to XXXX XXXX XXXX This caused a change in the routing number for my bank and the <em>account</em> number remained the same. I advised Mutual of Omaha in XX/XX/XXXX and when I made subsequent payments they were processed correctly through with the new routing information. \nRouting XXXX <em>Account</em> XXXX. \n\n\n\n\nLIST OF PAYMENTS/TRANSACTIONS FROM MUTUAL OF OMAHA SITE ."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"sub_issue":["Problem with <em>personal</em> statement of dispute"]},"sort":[7.070782,"11526908"]},{"_index":"complaint-public-v1","_id":"2585414","_score":6.9186563,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IA XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] EIN XXXX ( XXXX ) XXXX Account # XXXX Alleged Balance $ {$460000.00} up to {$500000.00} NOTICE : Filing on behalf of XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX, XXXX illegally used my identity to create a Mortgage and said Instrument. The banks have hindered me from renting selling my property and have disrupted my quality of life for the past 7-10 years. The substantiated evidence and facts therein has been given to XXXX aka the alleged owner and investor of said loan on multiple occasions. XXXX stated to me for years that they are the owner of such a loan. I did not give none of the banks involved permission to use my Social Security nor my identity to obtain such a loan. I do not have a credit history with XXXX XXXX XXXX XXXX nor with XXXX XXXX as well mention. I have communicated with multiple agencies to investigate this alleged mortgage and find that they credit agencies have removed this alleged loan from my history in full. Several Years ago I and my husband have filled this same complaint with the CFPB and no results so far this is why I and my husband are requesting that this be placed in the hands of the XXXX Attorney General for legal due process. A Securitization and XXXX XXXX XXXX has been produced within the past two years and has shown multiple issues therein. XX/XX/XXXX XXXX XXXX XXXX employee XXXX XXXX XXXX placed a Corporate Mortgage lien on my property which is 10 years later that the alleged acquisition they the banks alleged to have taken place on XX/XX/XXXX another date given by banks is XX/XX/XXXX and again XX/XX/XXXX. XX/XX/XXXX I and my husband filed a lawsuit against THE CEO CHAIRMAN XXXX XXXX and it was later dismissed XX/XX/XXXX for lack of personal jurisdiction therefore without the Bank providing any proof or legal connection to my property I and my husband are preparing to file within the proper jurisdiction against said person in the near future if this is not resolved within the next 15- 30 days. XXXX LATEST RESPONSES As of XX/XX/XXXX, XXXX XXXX mailed a letter requesting permission to release private information they should not be privy too nor where given permission to have to release this information to third party agencies. How can we allow this bank XXXX XXXX to release such personal and private information that was never given to them by XXXX XXXX XXXX and husband XXXX XXXX XXXX. RESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap. Release Mortgage Lien on my private and personal name and property with the next 30 days. A lawsuit Claim shall be filed thereafter this dispute has not been satisfied in the eyes of private citizens XXXX XXXX XXXX and husband XXXX XXXX XXXX. Transfer Documents and claim complaint to US DOJ for permission to file federal law suit. request from the FDIC for insured banking instrument information concerning loan. IDENTITY THEFT Due to the fact that identity theft is tied to payoff and investments made on the behalf of my husband XXXX XXXX XXXX with XXXX XXXX XXXX the complaint shall be in four parts with each position of each bank involved with full reports therein. That of 1. XXXX XXXX XXXX XXXX, XXXX aka XXXX XXXX XXXX now acquired allegedly by XXXX XXXX in XX/XX/XXXX, 3. XXXX XXXX XXXX, d.b.a XXXX XXXX XXXX, now acquired allegedly by XXXX XXXX XXXX as of XX/XX/XXXX - XX/XX/XXXX, 4. XXXX XXXX XXXX XXXX allegedly acquired by XXXX XXXX XX/XX/XXXX, for the missing CUSIP and Investments by said investor XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HISTORY OF DISPUTE WITH BANKS On XX/XX/XXXX I purchased may home located at XXXX XXXX XXXX XXXX XXXX CA XXXX jam the original owner and the first owner of my home and private property. On XX/XX/XXXX my home was paid in full Cc letter from XXXX XXXX payoff dept. This loan was not reassigned not was there a new servicer nor any other banking details just PAID IN FULL PAID OFF. This came about when my husband had secured a XXXX dollar investment deal with XXXX XXXX XXXX. The amount owed to him as of XX/XX/XXXX-XX/XX/XXXX was {>= $1,000,000} USDA for this was an investment BOND for {>= $1,000,000} that was for his clothing company XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX attempted to trick us into a refinance for {$510000.00} once the good faith estimate was done the deal began to change to a basic refinance to a arm balloon deal and the offer for {$510000.00} was changed to {$460000.00} by XXXX XXXX XXXX. Thereafter we decided not to do a refinance and just keep the loan we had with XXXX XXXX TX. So on XX/XX/XXXX I and my husband signed the right to cancel document only and placed a copy in the mail as well faxed and delivered a copy of the RTC or rescission documents stating that we had 72 hours to cancel and we did within 24 hours. XXXX XXXX of XXXX XXXX XXXX d.b.a XXXX XXXX XXXX sent confirmation letter that the right to cancel was excepted on XX/XX/XXXX, as well that there was not hard hits on our credit reports. For at the time i and my husband was very concerned because we where rebuilding our credit scores which fell below XXXX ratings. We received the letter on thereafter XX/XX/XXXX with this date and it was mailed USPS metered mail with tracking and we kept both the letter and the envelope. I continued paying XXXX XXXX until XX/XX/XXXX received the payoff notice paid in full. As of XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX began calling and harassing my family friends in other states and as well my neighbors stating that we did n't pay our bills and a list of other lies which did and was embarrassing at the time. XXXX claimed that they where the owner of the note or mortgage rather they never placed a mortgage assignment on the property, nor was there any written notice that they acquired servicing rights or note! they also claimed that they the investor was XXXX located in North Carolina but we spoke with and received a letter via email that this was a fraud discovered by the FTC in XX/XX/XXXX/XX/XX/XXXX. They later then changed the alleged Investor information to a XXXX XX/XX/XXXX. XXXX [ XXXX ] XXXX also began stating that they owned the mortgage note and stated on XXXX occasions that they acquired it from XXXX as of XX/XX/XXXX. The first time they stated this they claimed they acquired it XX/XX/XXXX. Then another statement or letter claimed they XXXX acquired the note on XX/XX/XXXX and another claim for acquisition by XXXX was for XX/XX/XXXX sent to me on XX/XX/XXXX. Three different dates which are false. We my husband and i noticed that there where some fraudulent issues being reported, XXXX claimed that i was paying them through XXXX mortgage as of XXXX. This is impossible because I was sending my payments to XXXX mortgage Co located in Texas. No relations to XXXX until XXXX was acquired as of XX/XX/XXXX by XXXX. My husband received notice that a lien was placed upon his name and the house that was not in his name but my name as of XX/XX/XXXX for a XXXX credit card whom XXXX removed the lien XX/XX/XXXX. Very strange. XX/XX/XXXX XXXX XXXX XXXX former employee of XXXX XXXX XXXX XXXX and now currently employed by XXXX place a Mortgage Assignment on my property without notice as well on XX/XX/XXXX I was at the local XXXX XXXX County Registrar office to record a document but never saw the Mortgage Assignment as I learned that upon doing a securitization analysis and a XXXX XXXX. There are also over XXXX banks breaking chain of title and more please see the XXXX XXXX and the securitization analysis. XX/XX/XXXX myself and my husband filed a claim against XXXX XXXX XXXX '' CEO and Chair of XXXX for fraud forgery identity theft and included was the missing USDA Bond for XXXX XXXX XXXX in the amount of $ XXXX XXXX XXXX XXXX USDA. The case was later dismissed for lack of personal jurisdiction. All this information concerning my home i.e. mortgage assignment is false we are requesting permission to file a law suite against XXXX XXXX and other banks involved. Please provide us such passage to do so. For they are claiming that we owe them XXXX {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. XXXX XXXX XXXX XXXX  XXXX and such the like of a mortgage company has yet to provide any proof of this alleged mortgage assignment nor of any real living agreement or transfer of funds for said loan. No invoice or bank check for proof of funding just a forged note. STEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by XXXX XXXX XXXX and husband XXXX XXXX XXXX with payoff and discharged options. This information was sent to the CEO Chairman/ CFO and their payoff departments as well their legal representative XXXX XXXX whom writes a blog for the CFPB. Rather ignored by all parties [ the banks ] involved. Attached are all documents provided by the XXXX or XXXX XXXX XXXX and husband XXXX XXXX XXXX as discharged charge off and payoff information that is deemed legal, without recourse.","date_sent_to_company":"2017-07-26T06:55:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2585414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-26T02:55:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["How can we allow this bank XXXX XXXX to release such <em>personal</em> and private information that was never given to them by XXXX XXXX XXXX and husband XXXX XXXX XXXX. RESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and <em>personal</em> identity asap. Release Mortgage Lien on my private and <em>personal</em> name and property with the next 30 days."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[6.9186563,"2585414"]},{"_index":"complaint-public-v1","_id":"2585408","_score":6.9186563,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau Consumer Financial Protection Bureau   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  .\n XXXX , IA  XXXX   XXXX , D.C.  XXXX    XXXX     XXXX  Consumer Financial Protection Bureau Chase   XXXX   XXXX   XXXX   XXXX  . c/o   XXXX   XXXX     XXXX   XXXX  , D.C.  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   NY [   XXXX   ] JPMorgan Chase Bank NA 1 Chase Manhattan   XXXX   XXXX   XXXX     XXXX   XXXX   NY [  XXXX  ] EIN  XXXX  (  XXXX  )   XXXX   Account #  XXXX / XXXX  Alleged Balance $ {$460000.00} up to {$500000.00} NOTICE : Filing on behalf of   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , WaMu, JPMC illegally used my identity to create a Mortgage and said Instrument.\nThe banks have hindered me from renting selling my property and have disrupted my quality of life for the past 7-10 years.\nThe substantiated evidence and facts therein has been given to Chase aka the alleged owner and investor of said loan on multiple occasions. Chase stated to me for years that they are the owner of such a loan. I did not give none of the banks involved permission to use my Social Security nor my identity to obtain such a loan.\nI do not have a credit history with   XXXX   XXXX   XXXX  WaMu  nor with JPMorgan Chase as well mention.\nI have communicated with multiple agencies to investigate this alleged mortgage and find that they credit agencies have removed this alleged loan from my history in full.\nSeveral Years ago I and my husband have filled this same complaint with the CFPB and no results so far this is why I and my husband are requesting that this be placed in the hands of the US Attorney General for legal due process.\nA Securitization and Bloom Berg Report has been produced within the past two years and has shown multiple issues therein.\n XX/XX/XXXX  JPMorgan Chase Bank employee   XXXX   XXXX   XXXX   placed a Corporate Mortgage lien on my property which is 10 years later that the alleged acquisition they the banks alleged to have taken place on  XX/XX/XXXX  another date given by banks is  XX/XX/XXXX  and again  XX/XX/XXXX .\n XX/XX/XXXX  I and my husband filed a lawsuit against THE CEO   XXXX   XXXX   XXXX   and it was later dismissed  XX/XX/XXXX  for lack of personal jurisdiction therefore without the Bank providing any proof or legal connection to my property I and my husband are preparing to file within the proper jurisdiction against said person in the near future if this is not resolved within the next 15- 30 days.\nCHASE LATEST RESPONSES As of XX/XX/XXXX , JPMorgan Chase mailed a letter requesting permission to release private information they should not be privy too nor where given permission to have to release this information to third party agencies. How can we allow this bank JPMorgan Chase to release such personal and private information that was never given to them by   XXXX   XXXX   XXXX   and husband   XXXX   XXXX   XXXX  .\nRESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap.\nRelease Mortgage Lien on my private and personal name and property with the next 30 days.\nA lawsuit Claim shall be filed thereafter this dispute has not been satisfied in the eyes of private citizens   XXXX   XXXX   XXXX   and husband   XXXX   XXXX   XXXX  .\nTransfer Documents and claim complaint to US DOJ for permission to file federal law suit.\nrequest from the FDIC for insured banking instrument information concerning loan.\nIDENTITY THEFT Due to the fact that identity theft is tied to payoff and investments made on the behalf of my husband   XXXX   XXXX   XXXX    with Bear Stearns Co the complaint shall be in four parts with each position of each bank involved with full reports therein. That of 1. JPMorgan Chase Bank NA, 2.WaMu aka Washington Mutual Bank now acquired allegedly by JPMorgan Chase in  XX/XX/XXXX , 3.   XXXX   XXXX   XXXX  , d.b.a   XXXX   XXXX   XXXX  , now acquired allegedly by JPMorgan Chase Bank as of  XX/XX/XXXX  -  XX/XX/XXXX , 4.  XX/XX/XXXX allegedly acquired by JPMorgan Chase Bank  XX/XX/XXXX , for the missing CUSIP and Investments by said investor   XXXX   XXXX   XXXX   for   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .\nHISTORY OF DISPUTE WITH BANKS On  XX/XX/XXXX  I purchased may home located at   XXXX   XXXX   XXXX     XXXX   XXXX   CA  XXXX . jam the original owner and the first owner of my home and private property.\nOn  XX/XX/XXXX  my home was paid in full Cc letter from  EMC mortgage pay off dept. This loan was not reassigned not was there a new servicer nor any other banking details just PAID IN FULL PAID OFF. This came about when my husband had secured a multimillion dollar investment deal with   XXXX   XXXX   XXXX   The amount owed to him as of  XX/XX/XXXX  was {>= $1,000,000} USDA for this was an investment BOND for {>= $1,000,000} that was for his clothing company   XXXX   XXXX   XXXX  .\n XX/XX/XXXX    XXXX   XXXX   attempted to trick us into a refinance for {$510000.00} once the good faith estimate was done the deal began to change to a basic refinance to a arm balloon deal and the offer for {$510000.00} was changed to {$460000.00} by   XXXX   XXXX   XXXX  .\nThereafter we decided not to do a refinance and just keep the loan we had  with EMC Mortgage T X. So on XX/XX/XXXX  I and my husband signed the right to cancel document only and placed a copy in the mail as well faxed and delivered a copy of the RTC or rescission documents stating that we had 72 hours to cancel and we did within 24 hours.\n  XXXX   XXXX   of   XXXX   XXXX   XXXX   d.b.a   XXXX   XXXX   XXXX   sent confirmation letter that the right to cancel was excepted on  XX/XX/XXXX , as well that there was not hard hits on our credit reports. For at the time i and my husband was very concerned because we where rebuilding our credit scores which fell below   XXXX    ratings. We received the letter on thereafter  XX/XX/XXXX  with this date and it was mailed USPS metered mail with tracking and we kept both the letter and the envelope.\nI continued paying EMC mortgage until  XX/XX/XXXX  received the payoff notice paid in full. As of  XXXX   XX/XX/XXXX  to XX/XX/XXXX WaMu began calling and harassing my family friends in other states and as well my neighbors stating that we did n't pay our bills and a list of other lies which did and was embarrassing at the time. WaMu claimed that they where the owner of the note or mortgage rather they never placed a mortgage assignment on the property, nor was there any written notice that they acquired servicing rights or note! they also claimed that they the investor was WMMCO located in North Carolina but we spoke with and received a letter via email that this was a fraud discovered by the FTC in  XX/XX/XXXX / XX/XX/XXXX . They later then changed the alleged Investor information to a WMBAS  XX/XX/XXXX .\nJPMC [ JpMorgan ] Chase also began stating that they owned the mortgage note and stated on three occasions that they acquired it from WaMu as of  XX/XX/XXXX . The first time they stated this they claimed they acquired it  XX/XX/XXXX  Then another statement or letter claimed they JPMC acquired the note on XX/XX/XXXX  and another claim for acquisition by JPMC was for  XX/XX/XXXX  sent to me on  XX/XX/XXXX . Three different dates which are false.\nWe my husband and i noticed that there where some fraudulent issues being reported, JPMC claimed that i was paying them through EMC mortgage as of  XX/XX/XXXX . This is impossible because I was sending my payments to EMC mortgage Co located in Texas. No relations to JPMC until EMC was acquired as of  XX/XX/XXXX  by JPMC.\nMy husband received notice that a lien was placed upon his name and the house that was not in his name but my name as of  XX/XX/XXXX  for a JPMC credit card whom JPMC removed the lien XX/XX/XXXX . Very strange.\n XX/XX/XXXX    XXXX   XXXX   XXXX   former employee of   XXXX   XXXX   XXXX    WaMu and now currently employed by JPMC place a Mortgage Assignment on my property without notice as well on XX/XX/XXXX  I was at the local  XX/XX/XXXX  County Registrar office to record a document but never saw the Mortgage Assignment as I learned that upon doing a securitization analysis and a   XXXX    report. There are also over 10 banks breaking chain of title and more please see the   XXXX   report and the securitization analysis.\n XX/XX/XXXX  myself and my husband filed a claim against   XXXX   XXXX   XXXX   '' CEO and Chair of JPMC for fraud forgery identity theft and included was the missing USDA Bond fo  XXXX   XXXX   XXXX   XXXX   in the amount of $   XXXX   XXXX   XXXX   XXXX   USDA.\nThe case was later dismissed for lack of personal jurisdiction.\nAll this information concerning my home i.e. mortgage assignment is false we are requesting permission to file a law suite against JPMC WaMu and other banks involved. Please provide us such passage to do so. For they are claiming that we owe them JPMC {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. JPMorgan Chase Co Bank NA and such the like of a mortgage company has yet to provide any proof of this alleged mortgage assignment nor of any real living agreement or transfer of funds for said loan. No invoice or bank check for proof of funding just a forged note.\nSTEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by   XXXX   XXXX   XXXX   and husband   XXXX   XXXX   XXXX   with payoff and discharged options. This information was sent to the CEO Chairman/ CFO and their payoff departments as well their legal representative   XXXX   XXXX   whom writes a blog for the CFPB. Rather ignored by all parties [ the banks ] involved. Attached are all documents provided by the   XXXX    or   XXXX   XXXX   XXXX   and husband   XXXX   XXXX   XXXX   as discharged charge off and payoff information that is deemed legal, without recourse.","date_sent_to_company":"2017-07-26T06:55:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2585408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-07-26T02:22:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["How can we allow this bank JPMorgan Chase to release such <em>personal</em> and private information that was never given to them by   XXXX   XXXX   XXXX   and husband   XXXX   XXXX   XXXX  .\nRESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and <em>personal</em> identity asap.\nRelease Mortgage Lien on my private and <em>personal</em> name and property with the next 30 days."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[6.9186563,"2585408"]},{"_index":"complaint-public-v1","_id":"2585412","_score":6.918361,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IA XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] EIN XXXX ( XXXX ) XXXX Account # XXXX Alleged Balance $ {$460000.00} up to {$500000.00} NOTICE : Filing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX illegally used my identity to create a Mortgage and said Instrument. The banks have hindered me from renting selling my property and have disrupted my quality of life for the past 7-10 years. The substantiated evidence and facts therein has been given to XXXX aka the alleged owner and investor of said loan on multiple occasions. XXXX stated to me for years that they are the owner of such a loan. I did not give none of the banks involved permission to use my Social Security nor my identity to obtain such a loan. I do not have a credit history with XXXX Mortgage XXXX XXXX nor with XXXX XXXX as well mention. I have communicated with multiple agencies to investigate this alleged mortgage and find that they credit agencies have removed this alleged loan from my history in full. Several Years ago I and my husband have filled this same complaint with the CFPB and no results so far this is why I and my husband are requesting that this be placed in the hands of the US Attorney General for legal due process. A Securitization and XXXX XXXX XXXX has been produced within the past two years and has shown multiple issues therein. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed a Corporate Mortgage lien on my property which is 10 years later that the alleged acquisition they the banks alleged to have taken place on XX/XX/XXXX another date given by banks is XX/XX/XXXX and again XX/XX/XXXX. XX/XX/XXXX I and my husband filed a lawsuit against THE CEO CHAIRMAN XXXX XXXX and it was later dismissed XX/XX/XXXX for lack of personal jurisdiction therefore without the Bank providing any proof or legal connection to my property I and my husband are preparing to file within the proper jurisdiction against said person in the near future if this is not resolved within the next 15- 30 days. XXXX LATEST RESPONSES As of XX/XX/XXXX, XXXX XXXX mailed a letter requesting permission to release private information they should not be privy too nor where given permission to have to release this information to third party agencies. How can we allow this bank XXXX XXXX to release such personal and private information that was never given to them by XXXX XXXX XXXX and husband XXXX XXXX XXXX. RESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap. Release Mortgage Lien on my private and personal name and property with the next 30 days. A lawsuit Claim shall be filed thereafter this dispute has not been satisfied in the eyes of private citizens XXXX XXXX XXXX and husband XXXX XXXX XXXX. Transfer Documents and claim complaint to US DOJ for permission to file federal law suit. request from the FDIC for insured banking instrument information concerning loan. IDENTITY THEFT Due to the fact that identity theft is tied to payoff and investments made on the behalf of my husband XXXX XXXX XXXX with XXXX XXXX XXXX the complaint shall be in four parts with each position of each bank involved with full reports therein. That of 1. XXXX XXXX XXXX XXXX, XXXX aka XXXX XXXX XXXX now acquired allegedly by XXXX XXXX in XX/XX/XXXX, 3.  XXXX XXXX XXXX, d.b.a XXXX XXXX XXXX, now acquired allegedly by XXXX XXXX XXXX as of XX/XX/XXXX - XX/XX/XXXX, 4. XXXX XXXX XXXX XXXX allegedly acquired by XXXX XXXX XX/XX/XXXX, for the missing CUSIP and Investments by said investor XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HISTORY OF DISPUTE WITH BANKS On XX/XX/XXXX I purchased may home located at XXXX XXXX XXXX XXXX XXXX CA XXXX jam the original owner and the first owner of my home and private property. On XX/XX/XXXX my home was paid in full Cc letter from XXXX XXXX payoff dept. This loan was not reassigned not was there a new servicer nor any other banking details just PAID IN FULL PAID OFF. This came about when my husband had secured a XXXX dollar investment deal with XXXX XXXX XXXX. The amount owed to him as of XX/XX/XXXX-XX/XX/XXXX was {>= $1,000,000} USDA for this was an investment BOND for {>= $1,000,000} that was for his clothing company XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX attempted to trick us into a refinance for {$510000.00} once the good faith estimate was done the deal began to change to a basic refinance to a arm balloon deal and the offer for {$510000.00} was changed to {$460000.00} by XXXX XXXX XXXX. Thereafter we decided not to do a refinance and just keep the loan we had with XXXX Mortgage TX. So on XX/XX/XXXX I and my husband signed the right to cancel document only and placed a copy in the mail as well faxed and delivered a copy of the RTC or rescission documents stating that we had 72 hours to cancel and we did within 24 hours. XXXX XXXX of XXXX XXXX XXXX d.b.a XXXX XXXX XXXX sent confirmation letter that the right to cancel was excepted on XX/XX/XXXX, as well that there was not hard hits on our credit reports. For at the time i and my husband was very concerned because we where rebuilding our credit scores which fell below XXXX ratings. We received the letter on thereafter XX/XX/XXXX with this date and it was mailed USPS metered mail with tracking and we kept both the letter and the envelope. I continued paying XXXX XXXX until XX/XX/XXXX received the payoff notice paid in full. As of XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX began calling and harassing my family friends in other states and as well my neighbors stating that we did n't pay our bills and a list of other lies which did and was embarrassing at the time. XXXX claimed that they where the owner of the note or mortgage rather they never placed a mortgage assignment on the property, nor was there any written notice that they acquired servicing rights or note! they also claimed that they the investor was XXXX located in North Carolina but we spoke with and received a letter via email that this was a fraud discovered by the FTC in XX/XX/XXXX/XX/XX/XXXX. They later then changed the alleged Investor information to a XXXX XX/XX/XXXX. XXXX [ XXXX ] XXXX also began stating that they owned the mortgage note and stated on three occasions that they acquired it from XXXX as of XX/XX/XXXX. The first time they stated this they claimed they acquired it XX/XX/XXXX. Then another statement or letter claimed they XXXX acquired the note on XX/XX/XXXX and another claim for acquisition by XXXX was for XX/XX/XXXX sent to me on XX/XX/XXXX. Three different dates which are false. We my husband and i noticed that there where some fraudulent issues being reported, XXXX claimed that i was paying them through XXXX XXXX as of XX/XX/XXXX. This is impossible because I was sending my payments to XXXX XXXX XXXX located in Texas. No relations to XXXX until XXXX was acquired as of XX/XX/XXXX by XXXX. My husband received notice that a lien was placed upon his name and the house that was not in his name but my name as of XX/XX/XXXX for a XXXX credit card whom XXXX removed the lien XX/XX/XXXX. Very strange. XX/XX/XXXX XXXX XXXX XXXX former employee of XXXX XXXX XXXX XXXX and now currently employed by XXXX place a Mortgage Assignment on my property without notice as well on XX/XX/XXXX I was at the local XXXX XXXX County Registrar office to record a document but never saw the Mortgage Assignment as I learned that upon doing a securitization analysis and a XXXX XXXX. There are also over XXXX banks breaking chain of title and more please see the XXXX XXXX and the securitization analysis. XX/XX/XXXX myself and my husband filed a claim against XXXX XXXX XXXX '' CEO and Chair of XX/XX/XXXX for fraud forgery identity theft and included was the missing USDA Bond for XXXX XXXX XXXX in the amount of $ XXXX XXXX XXXX XXXX USDA. The case was later dismissed for lack of personal jurisdiction. All this information concerning my home i.e. mortgage assignment is false we are requesting permission to file a law suite against XXXX XXXX and other banks involved. Please provide us such passage to do so. For they are claiming that we owe them XXXX {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. XXXX XXXX XX/XX/XXXX XXXX and such the like of a mortgage company has yet to provide any proof of this alleged mortgage assignment nor of any real living agreement or transfer of funds for said loan. No invoice or bank check for proof of funding just a forged note. STEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by XXXX XXXX XXXX and husband XXXX XXXX XXXX with payoff and discharged options. This information was sent to the CEO Chairman/ CFO and their payoff departments as well their legal representative XXXX XXXX whom writes a blog for the CFPB. Rather ignored by all parties [ the banks ] involved. Attached are all documents provided by the Halls or XXXX XXXX XXXX and husband XXXX XXXX XXXX as discharged charge off and payoff information that is deemed legal, without recourse.","date_sent_to_company":"2017-07-26T06:55:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2585412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-26T02:55:44.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["How can we allow this bank XXXX XXXX to release such <em>personal</em> and private information that was never given to them by XXXX XXXX XXXX and husband XXXX XXXX XXXX. RESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and <em>personal</em> identity asap. Release Mortgage Lien on my private and <em>personal</em> name and property with the next 30 days."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[6.918361,"2585412"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":33,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":33}]}},"product":{"doc_count":33,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":9},{"key":"CD (Certificate of Deposit)","doc_count":1},{"key":"Other banking product or service","doc_count":1},{"key":"Savings account","doc_count":1}]}},{"key":"Credit reporting or other personal consumer 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