{"took":477,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":21,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6411644","_score":25.950819,"_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> <em>funds</em> from <em>XXXX</em> <em>XXXX</em> ( from multiple <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>accounts</em> since <em>XXXX</em> ) and mine ( from separate <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>account</em> ) that are <em>FDIC</em> insured to pay the failed bank <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and nationstar for the real estate contract that pays off the mortgage on our <em>personal</em> residence of 14 years at <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> NM <em>XXXX</em> Those <em>funds</em> are misplaced, embezzled or misapplied to someone else 's <em>account</em> or incorrectly."]},"sort":[25.950819,"6411644"]},{"_index":"complaint-public-v1","_id":"6413642","_score":25.924507,"_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> <em>funds</em> from <em>XXXX</em> <em>XXXX</em> ( from multiple bank of america <em>accounts</em> since <em>XXXX</em> ) 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 <em>XXXX</em> for the real estate contract that pays off the mortgage on our <em>personal</em> residence of 14 years at <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> NM <em>XXXX</em> Those <em>funds</em> are misplaced, embezzled or misapplied to someone else 's <em>account</em> or incorrectly."]},"sort":[25.924507,"6413642"]},{"_index":"complaint-public-v1","_id":"14347859","_score":21.104618,"_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/<em>XXXX</em> : Opened interest-bearing <em>checking</em> <em>account</em> with Juno XX/XX/<em>XXXX</em> : Activated Debit Card, ( \" issued by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> ( 5 days later ) : email from Juno, \" Important Update to your <em>Account</em> '' This XX/XX/<em>XXXX</em> email, which reiterated the <em>FDIC</em> protection <em>XXXX</em> to $ <em>XXXX</em> 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 <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> 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":[21.104618,"14347859"]},{"_index":"complaint-public-v1","_id":"10766498","_score":17.295443,"_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":["XX/XX/<em>XXXX</em> : Juno announced they were switching to a new banking partner ( <em>XXXX</em> ), leaving previous <em>accounts</em> frozen XX/XX/XXXXXXXX <em>XXXX</em>  : Received data breach notification from XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> about a cybersecurity incident leaking my <em>personal</em> information on the dark web XX/XX/XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> reconciliation process incorrectly reported my balance as {$0.00} and left me with my <em>funds</em> left <em>missing</em> and stolen."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[17.295443,"10766498"]},{"_index":"complaint-public-v1","_id":"7069261","_score":16.054918,"_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":["to open <em>account</em> issue out <em>funds</em> with an not reporting revenue federal government bonds <em>XXXX</em> if these documents not providing tax fraudulent if my <em>personal</em> information is incorrect identity thefts reported false information on consumer reports identity thefts cause for bank FAILED <em>FDIC</em> insurance corporation FTC commission an security of exchange <em>XXXX</em> global market failed to comply results <em>XXXX</em> registration license revoked All loans officer mortgage loans <em>XXXX</em> registration is temporary termination"],"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":[16.054918,"7069261"]},{"_index":"complaint-public-v1","_id":"3570197","_score":15.349195,"_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 Friday, XX/XX/<em>XXXX</em>, without notice to me, Bank of America withdrew from my small business <em>account</em> the temporary credit it had provided. On Monday, XX/XX/<em>XXXX</em> when I discovered the <em>funds</em> <em>missing</em>, I contacted Bank of America to find out why. Bank of America <em>Check</em> Fraud Unit finally told me that their branch personnel made a mistake when they filed the claim for the small business <em>account</em> but not a mistake when the filed the claim for the <em>personal</em> <em>account</em> on XX/XX/<em>XXXX</em>."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"]},"sort":[15.349195,"3570197"]},{"_index":"complaint-public-v1","_id":"4047060","_score":14.937419,"_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> <em>XXXX</em> the workforce and now I found y'all please help me"]},"sort":[14.937419,"4047060"]},{"_index":"complaint-public-v1","_id":"6731277","_score":14.614887,"_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 <em>XXXX</em> of <em>XXXX</em>, 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 <em>XXXX</em> and the <em>XXXX</em> of the company, one of my responsibilities is selecting partner banks to hold customer <em>funds</em>. On <em>XXXX</em>, <em>XXXX</em>, 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":[14.614887,"6731277"]},{"_index":"complaint-public-v1","_id":"7532558","_score":13.912448,"_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":[13.912448,"7532558"]},{"_index":"complaint-public-v1","_id":"14296563","_score":11.744059,"_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":["<em>XXXX</em> failed to alert me when a strange phone logged into my <em>account</em> from an unfamiliar location, leading to unauthorized access to my password <em>XXXX</em>. \nIdentity Theft Services : I have been targeted by hackers who used my <em>personal</em> information to apply for payday loans through online apps. They blocked my access to these <em>accounts</em>, allowing them to withdraw <em>funds</em> in my name."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[11.744059,"14296563"]},{"_index":"complaint-public-v1","_id":"14295768","_score":11.734075,"_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":["Identity Theft Services : I have been targeted by hackers who used my <em>personal</em> information to apply for payday loans through online apps. They blocked my access to these <em>accounts</em>, allowing them to withdraw <em>funds</em> in my name. My sister 's <em>XXXX</em> transfers were manipulated to cover the stolen <em>funds</em>, 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."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[11.734075,"14295768"]},{"_index":"complaint-public-v1","_id":"8725407","_score":11.03247,"_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 <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX, Members <em>FDIC</em>."]},"sort":[11.03247,"8725407"]},{"_index":"complaint-public-v1","_id":"2585409","_score":8.567409,"_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 Washington, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX First XXXX XXXX. XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XXXX New York NY XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Floor New York NY XXXX XXXX XXXX XXXX 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 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 XXXX and XXXX XXXX Report has been produced within the past two years and has shown multiple issues therein. XXXX XXXX, XXXX XXXX XXXX Bank 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 XXXX XXXX, XXXX another date given by banks is XXXX XXXX and again XXXX XXXX. XXXX XXXX, XXXX I and my husband filed a lawsuit against THE XXXX XXXX XXXX XXXX and it was later dismissed XXXX XXXX, 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 XXXX 30 days. XXXX LATEST RESPONSES As of XXXX 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 XXXX XXXX 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 XXXX XXXX XXXX XXXX. XXXX XXXX Mortgage XXXX and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap. XXXX Mortgage XXXX 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 XXXX 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 Co the complaint shall be in XXXX parts with each position of each bank involved with full reports therein. That of XXXX. XXXX XXXX Bank XXXX, XXXX aka XXXX XXXX Bank now XXXX allegedly by XXXX XXXX XXXX XXXX, XXXX. XXXX Mortgage XXXX, XXXX XXXX XXXX Funding, now acquired allegedly by XXXX XXXX Bank as of XXXX - XXXX, XXXX. XXXX XXXX XXXX XXXX allegedly acquired by XXXX XXXX Bank 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 XXXX XXXX, XXXX I purchased XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CA XXXX jam the original owner and the first owner of my home and private property. On XXXX XXXX, XXXX my home was paid in full Cc letter from XXXX mortgage 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 multimillion dollar investment deal with XXXX XXXX Co. The amount owed to him as of XXXX XXXX, 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. XXXX XXXX XXXX Mortgage 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 Mortgage XXXX. Thereafter we decided not to do a refinance and just keep the loan we had with XXXX Mortgage TX. So on XXXX XXXX, XXXX XXXX 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 XXXX or rescission documents stating that we had XXXX hours to cancel and we did within XXXX hours. XXXX XXXX of XXXX Mortgage XXXX XXXX XXXX XXXX Funding sent confirmation letter that the right to cancel was excepted on XXXX XXXX, 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 550 ratings. We received the letter on thereafter XXXX XXXX, XXXX with this date and it was mailed XXXX metered mail with tracking and we kept both the letter and the envelope. I continued paying XXXX mortgage until XXXX XXXX, XXXX received the payoff notice paid in full. As of XXXX XXXX XXXX to XXXX 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 XXXX. They later then changed the alleged Investor information to a XXXX XXXX. XXXX 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 XXXX. The first time they stated this they claimed they acquired it XXXX XXXX. Then another statement or letter claimed they XXXX acquired the note on XXXX XXXX and another claim for acquisition by XXXX was for XXXX XXXX sent to me on XXXX XXXX. XXXX 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 JPMC until XXXX was acquired as of 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 XXXX for a XXXX credit card whom XXXX removed the lien XXXX XXXX. Very strange. XXXX XXXX, XXXX XXXX XXXX XXXX former employee of XXXX Mortgage XXXX XXXX and now currently employed by XXXX place a Mortgage Assignment on my property without notice as well on XXXX XXXX, 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 report. There are also over 10 banks breaking chain of title and more please see the XXXX report and the securitization analysis. XXXX XXXX myself and my husband filed a claim against XXXX XXXX XXXX '' XXXX and Chair of JPMC 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 XXXX XXXX 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 Co Bank 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 XXXX XXXX XXXX XXXX with payoff and discharged options. This information was sent to the XXXX XXXX XXXX and their payoff departments as well their legal representative XXXX XXXX XXXX writes a blog for the CFPB. Rather ignored by all parties [ the banks XXXX involved. Attached are all documents provided by the Halls or XXXX XXXX XXXX and XXXX 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":"2585409","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions 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":["<em>XXXX</em> <em>XXXX</em> Co Bank <em>XXXX</em> 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 <em>funds</em> for said loan. No invoice or bank <em>check</em> for proof of funding just a forged note. STEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> with payoff and discharged options."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[8.567409,"2585409"]},{"_index":"complaint-public-v1","_id":"2585412","_score":8.566303,"_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":["For they are claiming that we owe them <em>XXXX</em> {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> <em>XXXX</em> 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 <em>funds</em> for said loan. No invoice or bank <em>check</em> for proof of funding just a forged note."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[8.566303,"2585412"]},{"_index":"complaint-public-v1","_id":"2585414","_score":8.563363,"_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":["For they are claiming that we owe them <em>XXXX</em> {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> 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 <em>funds</em> for said loan. No invoice or bank <em>check</em> for proof of funding just a forged note."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[8.563363,"2585414"]},{"_index":"complaint-public-v1","_id":"2585408","_score":8.553624,"_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":["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 <em>funds</em> for said loan. No invoice or bank <em>check</em> for proof of funding just a forged note.\nSTEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by   <em>XXXX</em>   <em>XXXX</em>   <em>XXXX</em>   and husband   <em>XXXX</em>   <em>XXXX</em>   <em>XXXX</em>   with payoff and discharged options."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[8.553624,"2585408"]},{"_index":"complaint-public-v1","_id":"6804835","_score":8.334761,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, an alleged mortgage loan contract # : XXXX was closed by alleged lender or representative of, XXXXXXXX XXXX. \n\nXXXX and WF are alleged debt collectors, as defined by 12 CFR Part 1006 ( Regulation F ) 1006.2 ( i ) ( 1 ). \n\nWF and XXXX are dishonorable parties to the alleged mortgage contract, by failing to adhere to all applicable laws and the terms of the alleged mortgage contract, as outlined herein. \n\nI have no record or memory of authorizing the use or storage of my social security number from the Social Security Administration, on Form XXXX XXXX No. XXXX. ( See Exhibit 0 ) Unauthorized access and/or storage of my social security number as of the date of execution ( XX/XX/XXXX ) of this alleged mortgage contract is a continued violation my right to privacy and also a violation of 5 U.S.C. 552a ( i ) ( XXXX ). \n\nI received a communication dated XX/XX/XXXX from Wells Fargo Home Mortgage, introducing a notice of transfer of servicing to Wells Fargo Home Mortgage, a division of Wells Fargo Bank , N.A . under a new mortgage loan # : XXXX. Page 5 requires that the insurance policy acquired for the Property, listing WF as the lender, when in fact, a material misrepresentation in violation of 18 U.S. Code 1014 ; 18 U.S. Code 1005 ; 18 U.S. Code 1007 ; 18 U.S. Code 657 ; 18 U.S. Code 656, as follows : The Lenders name, address must appear on the policy exactly as the clause shown below : Wells Fargo Bank , XXXX  . # XXXX Loan # XXXX Its Successors and/or Assigns XXXX XXXX XXXX XXXX, SC XXXX ( See Exhibit A ) On XX/XX/XXXX, after finally having the time to read through the entire mortgage loan package copy I received at closing, I realize there were several things that were in violation with current laws and the loan agreement I signed. I immediately sent a communication to WF, ( See exhibit B ) requesting that a missing payment of {$160000.00} outlined in a document entitled AMOUNT FINANCED ITEMIZED, be made immediately by bank check or wire transfer to my account in accordance with the mortgage loan contract. The communication was confirmed to be picked up and received by WF on XX/XX/XXXX. \n\nBy WFs own written admission on a communication dated XX/XX/XXXX, The {$160000.00}, was not paid to you and instead is a required disclosure of the loan amount available to the borrower after the {$2500.00}, up front finance charges were paid. We apologize for any confusion that may have been caused by this matter. ( See exhibit C ). \n\nAs of XX/XX/XXXX, the amount of {$160000.00} in addition to interest of 4 % per year ( {$32000.00} ) for a total of {$190000.00} is still outstanding and remains unpaid, if this mortgage contract was in fact valid and lawful. \n\nAccording to the website information at : XXXX XXXX XXXXXXXX, the company posted this information for public view, XXXX XXXX  XXXX XXXX XXXX and operates the XXXX XXXX XXXX XXXX national electronic registry system that tracks the changes in servicing rights and beneficial ownership interests in mortgage loans that are registered on the XXXX. ( See Exhibit L ). \nIn accordance to the records publicly available in the MERS database, the Mortgage Identification Number ( MIN Number ), associated with this alleged mortgage has a status of Inactive. Therefore, there is no valid loan and/or note being serviced by WF via MERS Servicer ID Website : XXXX XXXX XXXX from MIN Number : XXXX obtained from the closing documents. ( See Exhibit D ). \n\nA search within the Georgia XXXX Indexing System, Certified Search Report, there are no current mortgage liens by neither MERS nor WF nor XXXX Mortgage. \n\nThe herein mentioned alleged mortgage loan ( s ) are in violation of 7 U.S. Code 1922, for I am neither a farmer nor rancher. \nThe alleged mortgage loan documents shows no Execution of the loan between the alleged borrower and the lender since only the borrowers signature is present on the documents for this alleged mortgage and/or note, in violation of 12 CFR 618.8325 ( a ) ( 2 ). \nThere was no valid loan executed and in effect, since affiant is not a farmer, rancher, or producer, or harvester in violation of 12 CFR 618.8325 ( a ) ( 3 ). \nThere was no valid loan executed and in effect, since no qualified lender lent or agrees to lend funds to the borrower, making this book entry loan a violation of 12 CFR 618.8325 ( a ) ( 4 ).\n\nThe alleged loan documents, on the page entitled Note, number one ( 1 ) claims Borrowers Promise to Pay and further claims In return for a loan that I have received, I promise to pay U.S. {$160000.00} ( this amount is called Principal ), plus interest, to the order of the Lender. The alleged XXXX is named as XXXX XXXX XXXX XXXX XXXX. However, the XXXX failed to provide this Loan or Funds to the XXXX as of the date of this affidavit, more than five years later. ( See exhibit E ). \nThe alleged loan documents outlines the term Loan, but fails to define an actual Loan as used in ordinary business or banking transaction showing funds paid to the seller, borrower or any other party for this alleged mortgage and/or note. ( See exhibit XXXX ).\n\nA copy of the documents provided at the alleged closing, titled CORRECTION OF ERRORS IN TITLE AND/OR CLOSING DOCUMENTS, the document claims the alleged loan is secured by the following Property : XXXX XXXX XXXX, XXXX, GA XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AL, and further claims Loan will be secured by first lien deed of trust on the Property, however this alleged location does not exist and therefore all liens and encumbrances in effect by this alleged mortgage loan contract, in violation of GA XXXX XXXX ( XXXX ) ( See exhibit F ). \nI never received loan proceeds from XXXX nor WF. \nI never received an official IRS form 1098 from WF nor XXXX. \nI owe nothing to WF nor XXXX since I never receive any loan proceeds. \nI never Authorized nor Executed a CORPORATE ASSIGNMENT OF SECURITY DEED. ( See exhibit G ). \nThe CORPORATE ASSIGNMENT OF SECURITY DEED filed within the XXXX XXXX XXXX XXXX records is in violation GA XXXX XXXX ( XXXX ) prohibiting an officer of a bank to sign as official witness to the execution by any party of any written instrument executed by the WF. ( See Exhibit G and Exhibit K ). \nThe CORPORATE ASSIGNMENT OF SECURITY DEED filed within the XXXX county superior court records failed to include the required affidavit, in violation of GA Code 18-2-46 ( 2021 ) and GA Code 44-14-33 ( XXXX ). \nThe CORPORATE ASSIGNMENT OF SECURITY DEED filed within the XXXX XXXX XXXX XXXX records is in violation of Georgia law prohibiting a notary public to sign as a witness to a document and does not include a notary stamp or seal. ( See exhibit K ) See XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX. ( XXXX. XXXX XXXX XXXX XXXX, XXXX ). \nI never received a copy of the appraisal used to originate this alleged mortgage loan, in violation of 12 CFR Part 1002.14 ( a ) ( 1 ). ( See exhibit H ) The tax reporting information lists a non-existing legal description of the property, in violation of 26 U.S. Code 7201 ; 18 U.S. Code 1014 ; 18 U.S. Code 1005 ; 18 U.S. Code 1007 ; 18 U.S. Code 657 ; 18 U.S. Code 656. ( See exhibit I ) I specifically declined to self-identify and report personal information, yet this information was disclosed in violation of my right to privacy and 5 U.S.C. 552a ( i ) ( 1, 2, 3 ) and 15 U.S. Code 6823. ( See exhibit J ) The alleged mortgage loan contract is in violation of 12 CFR 32.7 ( a ) ( 1 ) by having no first-lien security interest recorded in the public records of the local county. \nWF nor XXXX did NOT extend a loan to me under the XXXX percent appraised value rule and liable for violations of 12 CFR 1209.7. \nEach and every month, since XX/XX/XXXX, Wells Fargo ( including Wells Fargo Home Mortgage, Wells Fargo & Company, and Wells Fargo Bank , N.A . Member FDIC ), has demanded payment and have withdrawn funds from my account ( s ) in connection with an alleged mortgage loan. However, the law, 15 USC 78m ( q ) ( 1 ) ( C ), defines the meaning of the term payment as : ( C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; You never disclosed that my application nor monies deducted from my account was to further the commercial development of oil, natural gas, or minerals. So I need to know exactly, why have you been taking funds/money from my account every month since XX/XX/XXXX? \nNeither Wells Fargo nor XXXX Mortgage sent me the required notices required by 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.","date_sent_to_company":"2023-04-06T16:24:35.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"30047","tags":null,"has_narrative":true,"complaint_id":"6804835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-04-06T16:10:34.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I immediately sent a communication to WF, ( See exhibit B ) requesting that a <em>missing</em> payment of {$160000.00} outlined in a document entitled AMOUNT FINANCED ITEMIZED, be made immediately by bank <em>check</em> or wire transfer to my <em>account</em> in accordance with the mortgage loan contract. The communication was confirmed to be picked up and received by WF on XX/XX/<em>XXXX</em>."]},"sort":[8.334761,"6804835"]},{"_index":"complaint-public-v1","_id":"18398627","_score":7.198327,"_source":{"product":"Credit card","complaint_what_happened":"Wells Fargo exhibits consistent and deliberate dishonest and fraudulent behavior, including disingenuousness, negligence, deception, and unethical business practices. Leveraging its apparent power advantage, such as access to a team of high-powered, costly attorneys and resources, the bank has prolonged this case for a year, yet has failed to provide any evidence to clear itself of the alleged crimes. \n\nXXXX XXXX XXXX XXXX and his team of high-powered attorneys, like his predecessor, demonstrate a blatant disregard for the law. They appear to believe they can bypass legal requirements by relying solely on words, without supporting legal documents, to dismiss allegations of fraudulent, deceptive, and wrongful practices by the Wells Fargo executive team and employees.\n\nWithout legal help and limited resources, I have spent years meticulously gathering and presenting significant evidence of Wells Fargos misconduct, wrongdoing, and criminal behavior. If Wells Fargo had not fraudulently issued that credit card, falsely reported my creditdamaging my lifeand breached our loan agreements, imposing close to {$200000.00} in penalties, I wouldnt be facing this devastating, life-altering crisis. \n\nWells Fargo has failed to provide evidence regarding the credit card : The application for the XXXX XXXX XXXX XXXX XXXX of credit limit increase from {$5000.00} to {$50000.00}. \nXXXX XXXX confirmation letter for the credit increase to {$50000.00}. \nEvidence of running XXXX hard credit reports, indicated by Wells Fargo, XXXX for the {$5000.00} limit and another for the {$50000.00} limit. \nExplanation as to why the personal card was sent to my business address? \n\nAccording to Wells Fargos analysis, its employees applied for roughly XXXX credit card accounts on behalf of consumers without authorization. Wells Fargo executives tend to quickly blame employees when directed to use deceptive practices to boost sales. \n\nThe law states that individuals at the bank who were involved in or directed the fraud, including senior employees and executives, XXXX face criminal charges, including potential imprisonment and significant personal fines. \n\nWells Fargo has further worsened its situation by persistently engaging in deceptive and willful misconduct, including lying about the application of the loan prepayment penalty and repricing charges. \n\nWells Fargo claimed it used repricing for the loan refinance, even though the loan document clearly states that a prepayment penalty was charged to us. Additionally, Wells Fargo said it assessed a prepayment penalty on the loan payoff, even though the loan document explicitly states that a repricing penalty was applied. Wells Fargo acknowledged our initial and ongoing agreement to waive any prepayment penalty under Same Lender Loyalty ( the same deal we had for the refinance ). \n\nHowever, Wells Fargo deceptively revised the loan payoff document by rebranding the prepayment penalty as a Repricing fee and intentionally concealed the true nature of the prepayment penalty. This misleading and deceptive statement was used to impose an early payoff penalty of {$54000.00}, which is illegal under consumer protection laws such as the Dodd-Frank Act, enforced by the Consumer Financial Protection Bureau XXXX CFPB ). \n\nAccording to XXXX, XXXX '' is a term used in the context of loan agreements and generally used for refinance and refers to adjusting the interest rate, not a penalty itself. The fee for paying off a loan early is called a prepayment penalty or an early payoff penalty. \n\nIn addition, there was no mention of repricing when we signed the loan or at payoff. Repricing was introduced as a new term without prior disclosure. \n\nTruth in Lending Act ( TILA ) / Regulation Z : This federal law requires lenders to provide clear and standardized disclosures of all credit terms and costs ( including the Annual Percentage Rate, finance charges, and payment schedule ) before the loan is finalized ( consummation ). The goal is to allow you to compare loan offers and avoid misleading practices. \nClosing Disclosure : For mortgages, you must receive a Closing Disclosure at least XXXX business days before closing. This document finalizes the terms. If terms change after this, a new disclosure and potentially a new waiting period are required. \nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Introducing surprise fees or terms at the last minute could also be considered a deceptive practice, which is prohibited under consumer financial protection laws enforced by the Consumer Financial Protection Bureau ( CFPB ).\n\nContract Law : A loan agreement is a binding contract. Generally, one party can not unilaterally change the agreed-upon terms unless the original contract explicitly allows for the specific change ( e.g., a variable interest rate clause that outlines how the rate can change ).\n\nThe law states that when a bank lies or engages in deceptive practices, it will face severe consequences, including substantial fines, restitution orders to repay affected customers, reputational damage, operational restrictions, and potential criminal charges for individuals involved. These actions are categorized as Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and are illegal under federal and state laws, most notably the Dodd-Frank Act and the Federal Trade Commission ( FTC ) Act. \n\nDuring a discussion with XXXX XXXX from Wells Fargos XXXX XXXX ( XXXX ), I discovered that the Wells Fargo CEO has been directly involved in my complaints and in the decision-making process. In their latest response letter, XXXX stated that, after further review, they found no errors or misconduct in Wells Fargos practices and therefore decided not to pay the {$30.00} XXXX in compensation. Instead, they offered a {$270.00} customer appreciation check for the inconvenience caused. \n\nWells Farog has a long history of deception and wrongful business practices and systemic issues and consumer harm in creating fake records, forged signatures on account-opening documents and credit card applications to make them appear legitimate, constitutes identity-related fraud in addition to identity fraud, false credit reporting and derogatory reporting, false statements, misrepresentation of facts, deceptive practices, and falsification of information to gain customers business as part of a widespread scheme to meet aggressive sales goals.\n\nI have a compelling case against Wells Fargo, backed by numerous facts indicating violations of both state and federal laws stemming from its actions, including recent false statements about conducting two hard credit inquiries and misrepresentations in the loan documents regarding prepayment and repricing.\n\nWells Fargo has a duty to prevent economic and emotional harm to its customers. Wells Fargos intentional wrongful actsfraud, perjury, negligence, and wrongful credit reportinghave caused me years of financial, emotional, and mental suffering.\n\nWells Fargo did not exercise reasonable care to prevent the financial and credit damages I experienced. No amount of money can fully compensate for the Emotional Distress and Anguish, pain, and suffering caused by Wells Fargos actions from XXXX to XXXX. I lost the most productive years of my professional and personal life and suffered greatly. \n\nThe consequences of Wells Fargos actions include civil lawsuits and punitive damages, supported by evidence of forgery, identity theft, fraud, violations of the Fair Credit Reporting Act ( FCRA ), negligence, deceptive practices, defamation, and related offenses. Punitive damages are justified to punish Wells Fargo and prevent similar conduct in the future. This case calls for damages of {$30.00} XXXX, including {$5.00} XXXX designated for the CFPB. These funds will be used to monitor Wells Fargos operations, halt its deceptive and fraudulent practices, and prevent future issues.\n\nUltimately, justice must be served for those who suffered, and Wells Fargo must be held accountable. I request that the CFPB take enforcement action against Wells Fargo for its pattern of fraud, misrepresentation, and false statements, and for violations of the Fair Credit Reporting Act, regulatory requirements, banking laws, consumer protection statutes, and credit reporting regulations.\n\nIn addition to filing complaints with the FDIC, the State Regulator, the Attorney General, the Office of the Comptroller of the Currency ( OCC ), and the FTC, and the Wells Fargo Board of Directors.\n\nAnalysis and interpretation of key phrases in Wells Fargo 's Final Response WF : We take allegations of employee misconduct seriously and referred this matter for review. Due to privacy, personnel outcomes remain internal. \n\nEnclosed are statements from XX/XX/XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, XXXX XXXX, XXXX. If you believe transactions were unauthorized, contact Credit Card Fraud Claims at XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ). We can not provide additional documentation on the credit limit increase due to retention limits, but confirm the request was approved on XX/XX/XXXX. \n\nCredit applications and limit increases involve a hard inquiry, standard industry practice, which XXXX temporarily affect your credit score. A limit increase updates your existing account, not creating a new one ; each account appears individually on your credit report. \n\nAn identity theft claim was investigated, and per our letter dated XX/XX/XXXX, we found no fraud or unauthorized transactions. \n\nEvidence shows you activated the card, made payments, or benefited from the account. Any temporary credit will be reversed. \n\nImplication : This is a crucial admission. Wells Fargo asserts a fact ( the approval date ) but can not produce the evidence ( the signed request or the hard inquiry report ). Federal banking regulations and the FCBA generally require institutions to retain records relating to account openings and disputes for a minimum of XXXX years, and often longer in cases of alleged fraud. An attorney can argue that their inability to produce this evidence means they can not prove you authorized the change. \n\nWF : Evidence shows you activated the card, made payments, or benefited from the account. '' Implication : They are leveraging the fact that the unauthorized employee used my business accounts to make payments, misrepresenting this as my authorization or activation. This clearly shows the payments were disguised and made without my knowledge or consent.\n\nWF : An identity theft claim was investigated, and per our letter dated XX/XX/XXXX, we found no fraud or unauthorized transactions. '' Implication : This is their final, formal denial of my claim. It solidifies their position and opens the door to file a lawsuit after exhausting all mandatory dispute-resolution channels.\n\nThese statements provide further insight into Wells Fargo 's defensive stance and highlight key areas your attorney will focus on : WF : Our review confirms the application address was your employer 's at the time. '' This confirms negligence in verifying the nature of the address. A personal credit card should typically not be mailed to a business address without specific, verified instructions. This indicates a failure of the bank 's procedure for verifying the application details and the recipient 's authority. \n\nWF : A {$270.00} customer appreciation check was issued and cashed in XX/XX/XXXX. '' Implication : This constitutes XXXX XXXX unethical business practice and a trap tactic, arguing that by cashing this check ( entirely unrelated, and it was for customer appreciation and convenience ), I somehow accepted a resolution or benefit that compromises my ability to sue for the larger issue. Wells Fargo needs to clarify the nature of the check directly. \n\nWF : Under the Fair Credit Reporting Act, we report accurate account history. '' Implication : This is the core of the legal battle. I maintain that the history is not accurate because the entire account was fraudulent from inception. Their statement that the account is \" suppressed from monthly reporting due to first delinquency on XX/XX/XXXX, '' is standard procedure, but doesn't validate the underlying debt. Wells Fargos prior admission ( correcting my credit report after the CFPB complaint ) as evidence that their reporting was, in fact, inaccurate.\n\nWF : Our review confirms the application address was your employer 's at the time. Regarding collection calls, they are courtesy, not guaranteed. Account status can be reviewed via mailed statements or online. We honored your cease-and-desist request ; legally required communications will continue. A {$270.00} customer appreciation check was issued and cashed in XX/XX/XXXX. We regret any inconvenience. Under the Fair Credit Reporting Act, we report accurate account history. Your account is suppressed from monthly reporting due to first delinquency on XX/XX/XXXX. For credit report questions, contact the agencies directly. You are entitled to XXXX free report annually. \n\nImplication : Wells Fargo asserts it has XXXX separate credit reports, but where are theyone for the {$5000.00} limit and another for the {$50000.00} limit? Recent evidence demonstrates that Wells Fargo lied and misrepresented that it ran XXXX hard credit inquiries on me in XX/XX/XXXX. \n\nMoreover, there was no application for the XXXX XXXX XXXX credit card, yet the signature on the application they provided was clearly forged. Initially, Wells Fargo stated that a signature was required in-branch to open the account, but later reversed course, asserting that no signature was required. \n\nWells Fargo has a six-month rule : a customer can not get approved for a new Wells Fargo credit card if they have opened one with Wells Fargo within the last six months.\n\nWF : Their business real estate loan originated on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnterest. The rate adjustment in XXXX, reduced to XXXX XXXX with a repricing fee of {$110000.00}, which was paid. \nThis is incorrect ; we were charged a prepayment penalty on the refinance. \n\nThe payoff request in XXXX, a payoff demand included a prepayment penalty of {$54000.00} due to market conditions. No errors were found ; all actions aligned with the loan terms. Compensation is declined. \n\nImplication : This is false ; we were charged a repricing fee of {$54000.00} for the loan payoff, not for the refinance. The settlement agreement for the loan payoff included a prepayment penalty. Realizing we had a deal, like the one for the original loan/refinancing, with the difference that the person who sold us a bill of goods was still an employee of Wells Fargo , we brought this to her attention. Wells Fargo engaged in deceptive tactics, created a new payoff form that changed the term from 'prepayment ' to 'repricing, ' and imposed a penalty of {$54000.00}.\n\nWF : \" A {$270.00} customer appreciation check was issued and cashed in XX/XX/XXXX. '' Implication : This is WFs trap tactic, claiming that cashing this unrelated check ( for a different matter ) somehow indicates I accepted a resolution or benefit that could jeopardize my ability to pursue the larger claim. The check was offered by an employee of Wells Fargos escalation department as compensation for the inconvenience and as a gesture of appreciation for the customer.\n\nWF : \" Under the Fair Credit Reporting Act, we report accurate account history. '' Implication : This is the core of the legal battle. I maintain that the history is not accurate because the entire account was fraudulent from inception. Their statement that the account is \" suppressed from monthly reporting due to first delinquency on XX/XX/XXXX, '' is standard procedure, but doesn't validate the underlying debt. Using Wells Fargos prior admission ( correcting my credit report after the CFPB complaint and finding discrepancies in Wells Fargo 's credit reporting ) as evidence that their reporting was, in fact, inaccurate.\n\nWF : Our review confirms the application address was your employer 's at the time. Regarding collection calls, they are courtesy, not guaranteed. Account status can be reviewed via mailed statements or online. We honored your cease-and-desist request ; legally required communications will continue. A {$270.00} customer appreciation check was issued and cashed in XX/XX/XXXX. We regret any inconvenience. Under the Fair Credit Reporting Act, we report accurate account history. Your account is suppressed from monthly reporting due to first delinquency on XX/XX/XXXX. For credit report questions, contact the agencies directly. You are entitled to XXXX free report annually. \n\nTheir business real estate loan originated on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnterest. The rate adjustment in XXXX, reduced to XXXX XXXX  with a repricing fee of {$110000.00}, which was paid. \n\nImplication : This statement is false ; Wells Fargo breached our agreement and charged a prepayment penalty of {$110000.00} on the refinance, not on repricing.\n\nWF : The payoff request in XXXX, a payoff demand included a prepayment penalty of {$54000.00} due to market conditions. No errors were found ; all actions aligned with the loan terms. Compensation is declined. \n\nImplication : This is incorrect ; the first settlement agreement for the loan payoff included a prepayment penalty. The new loan payoff rebranded the prepayment penalty as a repricing fee to conceal its true purpose, resulting in another significant loss. \nWells Fargo used deception to induce us to enter into a financial transaction and breached our agreements. Wells Fargo was fully aware of applicable lending laws and deliberately misrepresented information and instructed notes regarding the waiver of the prepayment penalty on the refinance and payoff, on which we relied in doing business with Wells Fargo. \n\nWells Fargo responded in a letter, For clarity and consistency, our policy is based on written documentation and verbal agreements are not legally binding. \n\nWells Fargo relied on its extensive knowledge of lending laws, gave false information, and misled us into doing business with it. We were assured by the loan agent that we would not be charged a penalty for refinancing with Wells Fargo or for early payment, as documented in the loan agreement, pursuant to the loan agents instructions. Wells Fargo breached our contract agreement and imposed a prepayment penalty for the refinance. \n\nDate of XXXX : XXXX : Account opened fraudulently with a forged signature, negligence in account management, and erroneous credit reporting. \n\nTimeline of Events of Wells Fargos Negligence Causing Irreversible Harm Approximate Date Event Description XXXX Wells Fargo issues a personal credit card for American Express Propel in my name with an initial {$5000.00} credit limit via a forged signature. \nAccording to Wells Fargo, the account was opened on XX/XX/XXXX, following a credit card application submitted on XX/XX/XXXX, for which information was provided at a branch, and my signature was obtained. \nXXXX Wells Fargo sends the personal credit card to my business address, in the hands of an unauthorized employee with access to mail and business accounts. \nXXXX The employee uses the credit card and disguises payments made from my business accounts under business expenses. \nXXXX ( Date of Discovery ) Employee leaves employment. I take over accounts payable and discover a {$55000.00} balance on an unknown credit card. \nXXXX I immediately contact Wells Fargo to report the account as fraudulent. \nXXXX Wells Fargo finds \" no fraud, '' citing that the account was actively used and paid from my accounts for XXXX years. \nXXXX I refuse to pay the fraudulent balance. WF charges off the account and reports non-payment to credit bureaus. I requested that WF to remove the negative credit reporting. WF responded as below : XXXX My XXXX XXXX drops from XXXX to XXXX. \nXXXX XXXX XXXX XXXX remains suppressed due to derogatory marks ( approx. XXXX years ). \nXX/XX/XXXX I contacted WF debt collection and provided my SS # and my name to locate the account on my credit report. The agent was not able to locate the account on my credit report. \nXXXX I file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and request all documentation from WF. I found discrepancies in Wells Fargos credit reporting. WF realizes its mistake, immediately reverses its credit reporting. Approximately XXXX derogatory marks are cleared. My XXXX XXXX rises to XXXX and week later to XXXX. \nLate XXXX After months of review and providing my evidence of fraud, Wells Fargo issues a final statement asserting they found \" no wrongdoing. '' XXXX. List of Evidence and Discrepancies I possess documented evidence illustrating Wells Fargos multiple inconsistencies across its narratives and credit reporting practices.\n\n.\n\nEvidence/Discrepancy Description and Status of WF Response Forged Signature I insisted the signature on the application provided by WF was not mine. WF claimed it was signed in a branch, then later claimed no signature was required.\n\nGeneric Application Wells Fargo provided a generic application form with the alleged forged signature, which lacked specific details ( e.g., name of credit card, purpose, initial credit limit ). \nCredit Limit Discrepancy The XXXX Welcome Letter indicated a {$5000.00} limit. Wells Fargo claims I requested an immediate increase to {$50000.00} the next day, claiming it ran XXXX hard credit inquiry, but can not produce any supporting documentation. No letter from XXXX XXXX XXXX to confirm the increase from {$5000.00} to {$50000.00}. \nMissing Documentation Wells Fargo could not produce evidence of the requested credit limit increase, the XXXX XXXX reports/inquiries, approval letter for the increase from XXXX XXXX XXXX XXXX proof of the \" in-branch '' signing process. \nWF Internal Policy Violations Issuing another credit card with such limit, contradicts with Wells Fargos internal policy, where customers can not get a new card within XXXX months of a prior XXXX, and legitimate limit increases require application/re-application procedures Credit Limit Contradiction with Wells Fargos Policy WF claims an immediate verbal increase to $ XXXX was permitted which contradicts with the company policy. i.e, XXXX of my personal credit cards had a limit of $ XXXX, I asked Wells Fargo agent to reduce the limit from XXXX to XXXX. The same week, I changed my mind, and I told them to keep the limit at XXXX. I was told I could increase the limit verbally, and I needed to reapply for the credit increase. \nProof of Payments from Business Account and Not the Personal Account The business records showing payments were made from my business accounts by the unauthorized employee in possession of the XXXX XXXX XXXX card, under general credit card charges and payments which can be cross-referenced with the credit card statements. \nCFPB Correspondence Complete history of my complaint with the CFPB portal, including all responses from Wells Fargo and the final determination of \" no wrongdoing '' despite the mountain of evidence against. \nXXXX XXXX XXXX derogatory reports over 7 years. \nProved discrepancies in Wells Fargo reporting, which had to make correction to my credit report. My score changed in XXXX from XXXX to XXXX. \nWells Fargo found guilty of wrong credit reporting Wells Fargo 's correction of my credit report following my CFPB complaint further confirms that Wells Fargo made a credit reporting error, and Wells Fargo continues to deny any wrongdoing. \nMy Existing Accounts I had no need for a {$50.00} XXXX XXXX XXXX card, I already held several personal and business with WF issued XXXX months prior, in addition to having other credit cards from other financial institutions, such as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, demonstrating no need for a new XXXX Propel card. \nThis contradicts their standard policy where customers can not get a new card within XXXX months of a prior XXXX, Timeline of Events of WFs Negligence Causing Irreversible Harm. \n\nApproximate Date Event Description XXXX Wells Fargo XXXX an XXXX XXXX XXXX credit card account in my name with a initial {$5000.00} credit limit via a forged signature. \nXXXX WF issues the personal credit card to my place of business address, where an unauthorized employee had access to mail and business accounts. \nXXXX The unauthorized employee uses the credit card and disguises payments made from my business accounts. \nXXXX ( Date of Discovery ) Employee leaves employment. I take over accounts payable and discover a {$50000.00} balance on an unknown credit card. \nXXXX I immediately contact Wells Fargo to report the account as fraudulent. \nXXXX Wells Fargo finds \" no fraud, '' citing that the account was actively used and paid from my accounts for XXXX years. \nXXXX I refuse to pay the fraudulent balance. WF charges off the account and reports non-payment to credit bureaus. I requested that WF to remove the negative credit reporting. WF responded as below : XXXX My XXXX XXXX drops from XXXX to XXXX. \nXXXX XXXX XXXX XXXX remains suppressed due to derogatory marks ( approx. XXXX years ). \nXX/XX/XXXX I contacted WF debt collection and provided my SS # and my name to locate the account or my credit report. The agent was not able to locate the account on my credit report. WF sent a response they show no record of me contacting Wells Fargo agent for inquiry. Soon After I file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and request all documentation from WF. \nXXXX I found discrepancies in Wells Fargos credit reporting. WF realizes its mistake, immediately reverses its credit reporting. Approximately XXXX derogatory marks are cleared. My XXXX XXXX rises to XXXX and week later to XXXX. \nLate XXXX After months of review and providing my evidence of fraud, Wells Fargo issues a final statement asserting they found \" no wrongdoing. ''","date_sent_to_company":"2026-01-01T00:58:06.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"91101","tags":"Older American","has_narrative":true,"complaint_id":"18398627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-01T00:47:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["<em>Missing</em> Documentation Wells Fargo could not produce evidence of the requested credit limit increase, the <em>XXXX</em> <em>XXXX</em> reports/inquiries, approval letter for the increase from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> proof of the \" in-branch '' signing process."]},"sort":[7.198327,"18398627"]},{"_index":"complaint-public-v1","_id":"10541069","_score":6.45769,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX, XXXXUpdated Information XXXXXXXX XXXX XXXX XXXX Director Federal Bureau of Investigation ( FBI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director Bureau of Consumer Protection Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acting Director U.S. Secret Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Homeland Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Foreign Corrupt Practices Act ( FCPA ) Unit U.S. Department of Justice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-Negotiable Notice of Rescission of Permission to Share Private Information Breach of Fiduciary Duties, Claims of Cestui Que Trust Fraud, Aggravated Identity Theft, Unauthorized Use of Assets , Breach of Fiduciary Duty, and Other Federal Violations of Embezzlement, Money Laundering, XXXX XXXX, Extortion, XXXX Slavery, CRIMINAL Prosecution Notice to Principal is Notice to Agent ; Notice to Agent is Notice to Principal. \n\" Fraud vitiates the most solemn Contracts, documents, and even judgments. '' This quote from U.S. vs. XXXX, 98 US 61, at pg. 65 confirms that fraud nullifies any agreement, document, or even judgment that is based on fraudulent activities. As such, any contractual agreement I may have signed is rendered void due to the fraudulent actions of the involved parties. \nI, XXXX XXXX XXXX, the living woman, XXXX XXXX , and sole beneficiary of the Estate of XXXX XXXX XXXX , hereby issue this NON-NEGOTIABLE NOTICE OF RESCISSION OF PERMISSION to share, disclose, transfer, or distribute my private, personal, or estate information in any form, electronic or otherwise, by any entity, corporation, government agency, individual, or other legal body. This rescission applies to any and all permissions or consent that may have been previously assumed, granted, or implied. \nThis is a formal, non-negotiable notice of rescission of any and all permissions, explicit or implied, to share, distribute, disclose, or otherwise use my private information for any purposes, effective immediately. This includes unauthorized sharing of personal data such as Social Security numbers, tax identification numbers, financial details, and other personally identifiable information ( PII ). \nXXXXnauthorized Administration of Estate and Revocation of IRS Form 2848 Power of Attorney I, XXXX XXXX XXXX, XXXX of the Estate of XXXX XXXX XXXX , hereby notify you of the unauthorized administration of the estate and the immediate revocation of any Power of Attorney ( IRS Form 2848 ) previously granted. Any criminal misuse of my estate or identity by trustees or financial institutions will result in legal action and criminal prosecution. \nRevocation of IRS Form 56 and 56-F I hereby REVOKE any and all IRS Form 56 ( Notice Concerning Fiduciary Relationship ), and IRS Form 56-F filed on my behalf regarding any fiduciary relationship that may have been established without my consent or knowledge. This revocation is immediate, and I demand that the IRS recognize that no individual, agency, or entity has the authority to act in a fiduciary capacity for my estate or private trust without my explicit, written, and signed consent. \nAll previous appointments of fiduciaries are null and void as of this notice, and any actions taken based on such authority will be deemed fraudulent and subject to criminal prosecution. \nUnauthorized Use of Financial Information and Breach of Fiduciary Duty The named Corporations have been unlawfully requiring Federal Reserve notes as payment when, in fact, the application with financial information ( social security number ) attached serves as an asset that satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ). Additionally, this is considered self-liquidating paper under 17 CFR 260.11b-6, and its unauthorized use constitutes a breach of fiduciary duty under U.C.C. 3-307. \nI have received no benefit as the beneficiary of the Cesti Que Trust Account for XXXX XXXX XXXX from any unauthorized use of my financial information and assets. Therefore, this serves as formal notice that if the aforementioned financial assets are not returned to the creditor/bailor/beneficiary via mail or accepted for their intended purpose within three ( 3 ) business days of the recipient receiving this notice, a complaint with the Securities and Exchange Commission ( SEC ) pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. \nMoreover, an IRS complaint will be submitted for abusive tax schemes, Corporate Corruption involving the SEC-filed trust arrangement, supported by the following legal provisions under 18 U.S. Code : Application of 12 CFR 1026.13, Extension of Credit, and Definition of Account Since the inception of the account, which is defined under 12 CFR 1002.2, it is recognized as an extension of credit, with the term account specifically referring to open-ended credit. The nature of open-end credit is governed by Truth in Lending regulations ( 12 CFR 1026.2 ), which apply in this case. \nThe unauthorized administration of this open-end credit account, along with the failure to properly apply credits in my favor, supports my claims of fraud and improper handling of credit and personal information, thus furthering my rescission of permission for any entity to continue using or sharing this information. \nViolation of Anti-Discrimination Regulations In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating on the basis of race, color, national origin, XXXX, age, or disability. \nDiscriminatory practices have occurred ; I have submitted a formal complaint to the U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, per the following details : Mail : U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, XXXX XXXX XXXX. XXXX, XXXX, D.C. 2XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX Cestui Que Trust Fraud and Account Number Disclosure This also serves as a notification of Cestui Que Trust fraud related to the following accounts and exemption identifiers : Exemption ID Number : XXXX UCC Contract Account Number : XXXX Value : {>= $1,000,000} Any further unauthorized activity related to these accounts will be subject to immediate legal action and prosecution for fraud and breach of fiduciary duties. \nRequest for Accounting Ledger and Disclosure Pursuant to Uniform Commercial Code ( UCC ) 9-210, I hereby make a formal demand for the full accounting ledger of all transactions, credits, debits, securities, and collateral associated with all accounts under my name, estate, and private trust. This includes, but is not limited to : Checking and savings accounts Loan accounts Corporate accounts Insurance policies and claims Trust accounts I expect this information to be delivered to me in writing via certified mail within three ( 3 ) business days of receipt of this notice. \nThis notice is issued under the following grounds of violation and legal claims : Cestui Que Trust Fraud Aggravated Identity Theft Forgery of Signature on Contracts False Credit Reporting Discrimination as a Native American Non-U.S. Citizen, American National Fraudulent Reporting of Accounts and Transactions Embezzlement of Corporate Accounts Securities Fraud Insurance Fraud Mail Fraud and Wire Fraud Accounting Fraud Social Security Fraud Tax Evasion and False Exemptions or Deductions XXXX XXXX Grand Theft Larceny Collusion with the Federal Reserve Bank ( FRB ) Violations of FDIC, FCRA, FDCPA Breach of Fiduciary Duties and Criminal Conversion of Accounts held in Private Trust Civil Rights Violations Foreign Corrupt Practices Act of 1977, as amended ( 15 U.S.C. 78dd-1, et seq. ) Additionally, this rescission notice extends to fraud and copyright infringement in connection with the use or falsification of the following personal, corporate, and trust-related instruments : SSA-89 Form Securities related to the XXXX XXXX XXXX Estate Treasury Direct Account XXXX XXXX Applicable Federal Statutes and Legal Violations : 1. 15 U.S. Code 1692 - Fair Debt Collection Practices Act ( FDCPA ) Governs debt collectors ' practices, prohibiting abusive, deceptive, or unfair actions when collecting debts. \n2. 15 U.S. Code 1693 - Electronic Fund Transfer Act ( EFTA ) Protects consumers from unauthorized electronic transactions and provides error resolution processes. \n3. 18 U.S. Code 4 - Misprision of Felony Requires individuals aware of a felony to report it ; failure to do so can lead to prosecution. \n4. 18 U.S. Code 1589 - Forced Labor Prohibits coercing someone into providing labor through threats, violence, or manipulation. \n5. 18 U.S. Code 876 - Mailing Threatening Communications Criminalizes sending threats or extortion attempts through the mail. \n6. 18 U.S. Code 1341- Mail Fraud Criminalizes the use of the postal service in schemes to defraud individuals or entities of money or property. \n7. 18 U.S. Code 1343- Wire Fraud Similar to mail fraud, but applies to schemes using electronic communications ( e.g., phones, email, internet ). \n8. 18 U.S. Code 1346- Scheme or Artifice to Defraud Defines fraudulent schemes, particularly in cases where public officials or corporate executives deprive others of honest services. \n9. 18 U.S. Code 1593A - Benefitting Financially from Peonage, Slavery, and Trafficking in Persons Punishes those who knowingly benefit financially from XXXX XXXX XXXX, or forced labor. \n10. 31 U.S. Code 3729 ( a ) ( 1 ) - False Claims Act ( FCA ) Makes it illegal to knowingly submit false or fraudulent claims to the government for payment. \n11. U.C.C. 3-603 - Tender of Payment Obligates a creditor to accept tender of payment for a negotiable instrument, thereby discharging the debt. \n12. U.C.C. 3-604 - Discharge by Cancellation or Renunciation Allows for a debt obligation to be discharged when the creditor cancels or renounces their right to collect the debt. \n13. U.C.C. 3-605 - Discharge of Secondary Obligors Governs the discharge of secondary obligors ( e.g., co-signers ) when specific actions are taken by the creditor. \n14. FDIC 6000, Title VI 908 - Error Resolution ( Treble Damages ) Provides procedures for resolving errors in bank accounts and transactions, including the possibility of tripling damages ( treble damages ) in cases of violations. \nFederal Credit Reporting Violations - FCRA The Fair Credit Reporting Act ( FCRA ) governs the activities of credit reporting agencies like XXXX, XXXX, and XXXX. Violations may include failure to ensure accuracy or unauthorized sharing of credit information. \n15. 15 U.S.C. 1681n - Willful Noncompliance with FCRA 1. This statute imposes liability for willful violations of the FCRA, including failure to correct inaccurate credit information or unauthorized dissemination of credit reports. \n16. 15 U.S.C. 1681o - Negligent Noncompliance with FCRA 1. This addresses negligent failure to comply with the FCRA, such as failure to maintain accurate records or provide adequate dispute resolution. \n17. 15 U.S.C. 1681q - Obtaining Information Under False Pretenses 1. This criminalizes the unauthorized or fraudulent acquisition of credit report information. \nFederal Criminal Codes Related to Trust and Estate Fraud 1. 18 U.S.C. 1341 - Mail Fraud o This statute criminalizes the use of the postal service to carry out fraudulent schemes. If any fraud involving the Cestui Que Trust was conducted using the mail system, it would fall under this statute. \n2. 18 U.S.C. 1343 - Wire Fraud o Wire fraud occurs when electronic communication ( email, phone, internet ) is used as part of a scheme to defraud. This could apply if fraudulent administration or embezzlement of trust assets occurred via electronic means. \n3. 18 U.S.C. 371 - Conspiracy to Commit Fraud o This statute can be used if multiple parties, including corporate executives, conspired to commit fraud related to the administration of the Cestui Que Trust. \n4. 18 U.S.C. 656 - Embezzlement by Bank Officers or Employees o This law addresses embezzlement by officers or employees of financial institutions. It may be applicable if USAA or another financial institution was involved in unauthorized activities related to trust funds. \n5. 18 U.S.C. 664 - Embezzlement from Employee Benefit Plan o This statute covers embezzlement from employee benefit plans, but may also extend to trust funds depending on how they are managed. \n6. 18 U.S.C. 1344 - Bank Fraud o Bank fraud involves schemes to defraud a financial institution, which could include improper handling of trust accounts or assets. \n7. 18 U.S.C. 1956 - Money Laundering o Money laundering applies if fraudulent trust funds were funneled through various financial institutions to conceal their origin. \nThis document serves as a final and irrevocable statement that all aforementioned parties must cease and desist from any further unlawful use, sharing, or handling of my private information and assets. Any entity, government agency, or person found in violation will be subject to prosecution for damages and breaches under applicable local, national, and international law. \nThis notice applies to USAA, XXXX of XXXX, XXXX, XXXX, and XXXX executives for unauthorized administration, fiduciary breaches, and embezzlement. The beneficiary seeks criminal prosecution and assistance from the U.S. Secret Service and Homeland Security due to extortion, XXXX XXXX, forced labor against the will of the beneficiary, and FCRA violations. Additionally, USAA has failed to honor its oath and fiduciary duties, resulting in false claims, embezzlement, and money laundering. XXXX, XXXX, and XXXX are accused of receiving kickbacks and engaging in discrimination against a non-U.S. citizen American national. \nThere are also missing payments regarding consumer loan # XXXX after communication with USAA charge-off employee # XXXX. \nBroker-dealer fraud refers to misconduct by brokers or financial advisers that results in harm to their clients, often through unethical, deceptive, or illegal activities. This type of fraud can involve violations of federal securities laws and regulations, and it typically occurs in situations where brokers are responsible for managing or advising on investments. \nTypes of Broker-Dealer Fraud 1. Unauthorized Trading : o Executing trades without the clients authorization or knowledge. \n2. Churning : o Excessive trading in a clients account to generate commissions for the broker. \n3. Misrepresentation or Omission : o Providing false or misleading information about securities or failing to disclose important information, such as the risks associated with an investment. \n4. XXXX Schemes : o Promising high returns on investments while using new investors money to pay returns to earlier investors. \nXXXX. Failure to Execute Client Instructions : o Refusing or failing to execute a trade as directed by a client, especially if it benefits the broker at the client 's expense. \nXXXX. Unsuitable Investments : o Recommending investments that are not suitable for the client 's financial situation, goals, or risk tolerance. \nXXXX. Overcharging or Hidden Fees : o Charging excessive fees or not disclosing the full costs of trading or managing investments. \n\nFederal Laws and Regulations Governing Broker-Dealer Conduct Broker-dealers are primarily regulated by the Securities and Exchange Commission ( SEC ) and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) . The following federal laws and rules are relevant in cases of broker-dealer fraud : 1. Securities Exchange Act of 1934 ( 15 U.S.C. 78j ) : o Section 10 ( b ) and Rule 10b-5 under the Securities Exchange Act of 1934 prohibit fraudulent and manipulative practices in connection with the purchase or sale of securities. \no Rule 10b-5 is particularly broad and prohibits any act or omission resulting in fraud or deceit in connection with securities transactions. \n2. Investment Advisers Act of 1940 ( 15 U.S.C. 80b-6 ) : o Section 206 of the Investment Advisers Act prohibits fraud by investment advisers, which can include brokers who offer advisory services. This statute also prohibits misleading clients, engaging in manipulative trading, or failing to disclose conflicts of interest. \n3. XXXX Rules : o XXXX XXXXule 2010 : Brokers must observe high standards of commercial honor and just and equitable principles of trade. \no XXXX Rule 2111 : Suitability Rule requires that brokers ensure that their investment recommendations are suitable based on the customers financial profile and objectives. \no XXXX Rule 4512 : Requires accurate and updated information about clients financial situations to determine suitable investments. \n4. 18 U.S.C. 1348 - Securities and Commodities Fraud : o This statute criminalizes fraud in the securities and commodities markets and can apply to broker-dealers who engage in deceptive practices to defraud investors. \n5. 18 U.S.C. 1341 - Mail Fraud and 18 U.S.C. 1343 - Wire Fraud : o If a broker-dealer uses mail, electronic communications, or phone systems to carry out fraudulent schemes, they can be charged with mail or wire fraud. \n6. Racketeer Influenced and Corrupt Organizations Act ( RICO ) - 18 U.S.C. 1961-1968 : o Broker-dealer fraud that is part of a larger pattern of criminal activity ( such as ongoing XXXX schemes or repeated fraudulent acts ) may be prosecuted under RICO. \n\nUSAA Federal Savings Bank has faced significant penalties due to violations of anti-money laundering ( XXXX ) regulations under the Bank Secrecy Act ( BSA ). In XX/XX/XXXX, XXXX imposed a {$140.00} XXXX civil money penalty on USAA for failing to maintain an effective XXXX program between XX/XX/XXXX and XX/XX/XXXX. This included the banks failure to report thousands of suspicious transactions, some of which were linked to potential criminal activity in customers ' personal accounts. Of the {$140.00} XXXX penalty, {$80.00} XXXX was imposed by XXXX, while {$60.00} XXXX came from the Office of the Comptroller of the Currency ( OCC ), which had identified similar compliance failures. The OCC had previously fined USAA {$85.00} XXXX in XXXX for deficiencies in its risk management framework, particularly regarding compliance with laws designed to protect military service membersThe recent regulatory actions underscore ongoing concerns about USAA 's internal controls and compliance with federal regulations aimed at preventing financial crimes. \nConclusion and Demand for Immediate Action This notice serves as a final and irrevocable statement. If the referenced financial assets are not returned or accepted for their intended use within three ( 3 ) business days, complaints will be filed with the SEC, IRS, and Department of Justice, as outlined above. \nYou are hereby directed to cease and desist any further unlawful handling of my private information, estate, or financial instruments. Any breach of this notice will result in further legal action for fraud, breach of fiduciary duties, and violations of federal law. \nFraud nullifies contracts : As affirmed by U.S. vs. XXXX, 98 US 61, pg. 65, fraud vitiates the most solemn contracts, documents, and even judgments. Any contractual obligation involving fraud is hereby null and void. \nSigned, XXXX XXXX XXXX Executrix/Sole Beneficiary UCC 1-308 Without Prejudice/Without XXXX Living Woman ; XXXX XXXX ; XXXX XXXX Principal Secured Party Master Account Holder Power of Attorney-in-Fact Certified Document : XXXX XXXX XXXX Estate EIN # : XXXXEstate EIN # : XXXX XXXX XXXX INDIVIDUAL PRIVATE BANKER CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXXDOMESTIC FOREIGN GRANTOR TRUST ( PRIVATE ) , AND 98-FOREIGN TRUST ( PRIVATE ) TIN # : XXXX XXXX # : XXXX TREASURY DIRECT ACCT : XXXX","date_sent_to_company":"2024-10-22T16:28:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"10541069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-10-22T16:07:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This includes, but is not limited to : <em>Checking</em> and savings <em>accounts</em> Loan <em>accounts</em> Corporate <em>accounts</em> Insurance policies and claims Trust <em>accounts</em> I expect this information to be delivered to me in writing via certified mail within three ( 3 ) business days of receipt of this notice."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[6.45769,"10541069"]},{"_index":"complaint-public-v1","_id":"3357398","_score":6.436141,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, After marrying United States XXXX XXXX   XXXX XXXX in XX/XX/XXXX, my husband and I naturally choose to open a joint checking account in XX/XX/XXXX with his already existing USAA account. We made the call together and answered all of the questions that were probed. My husband is the primary account contributor and account holder as I have a different bank. All was well until I received a call from USAA on XX/XX/XXXX during my lunch break at work. I thought this call was in regards to a flood claim that was denied, but the representative stated I had some missing information from my membership profile. I thought the call was very odd as they were requesting some personal financial information ( estimated net worth, annual income, etc. ) that was required by the Patriot Act that I answer. I was worried it was a scam so I decided it would be best to call them myself the next day. I first looked specifically at the Patriot Act ( 2001 ),  Bank Secrecy Act ( BSA ), and Gramm-Leach- Bliley Act ( GLBA 1999 ). I learned two were designed after XX/XX/XXXX to help detect terrorism, money laundering, and illegal activities and the other to protect financial privacy. Turns out all that is required under Section 326 : Verification of Identification of the Patriot Act is : Name, Date of Birth, Social Security Number, ( to confirm they are a US citizen ), Address, and comparison with government lists of known/suspected XXXX activity ( usually referred to as banking systems ). This is in addition to record keeping as a requirement of the Treasury. All of which are used to verify the identity of the personwhich is understandable and I agree necessary. Yet, nowhere does any federal regulation however require financial information, despite USAAs claims. All of the following summaries below were direct recorded conversations, and I am willing to share them if needed. I am hoping to get confirmation that this information is required by federal law, and if it is not, I would like to take legal action against USAA as I believe it is a violation of my financial protection rights. What follows is quite extensive, but felt it imperative I be comprehensive. \nOn XX/XX/XXXX I called USAA myself to confirm their claim. The agent demanded the information was required by federal law by the Patriot Act and Bank Secrecy Act and that I was required to answer the personal finance questions. I was informed if I did not answer the questions the account would be closed or our assets frozen. I was confused why the needed information was not gathered when we opened the account and was uncomfortable about the questions as it didnt seem it was a federal regulation, so I requested to speak to a manager. The following conversation was with XXXX, of the executive resolutions team, as the senior advisor at USAA : I enquired, did I sign your privacy notice? After we determined it is never actually signed, in regards to my privacy, she checked and confirmed my privacy preference is share. I asked, What changed where you are now required to get my information since you didnt get it before as it is required by federal law? Or is it not required and this is just something that USAA is doing? She replied, No this is something that is required for secondary account holders by the federal law. So I inquired, When we opened the account you claim we used the primarys ( my husbands ) information and that has been sufficient for the last year. This isnt my primary account I have a different bank. So why all of the sudden now are you threatening to inactivate our account if I dont give you this information? If it wasnt required before what makes it required now? The only answer Ive gotten is that it is federal law ; so either you werent compliant with federal law and are now being required to get the information, or it is for your own interest. I would like to know what those interests are, what you are going to do with this information, if you are going to be sharing any of this information, or using it for rates or other data then I am required to view the privacy notice for you to do that. So I am confused. As I was not the primary account holder, I was told I was not allowed to get access to the information we provided when the account was opened. I would have to wait for my husband to be present. \nIn the meantime, I reached out to my personal bank on XX/XX/XXXX. They advised me NOT to share this information as it is not a federal law and could be shared. I decided to take another step further and speak to XXXX XXXX on XX/XX/XXXX, another Federal Bank to see if this information was indeed required by all other banks as USAA claimed. I spoke to manager XXXX and the conversation went as follows : I wondered what questions she would be asking us or what information would they need to open a joint account and she stated, IDs, maiden name, SSN, DOB. While they may have different policies, as for it being a law, all banks would be following it, as far as I know it is not considered a law. Even if there are financial questions that we may ask you for loans, credit card, or investment accounts, they are up to you if you want to answer. This confirmed my research that it was not a federal requirement. \nLater the same day of XX/XX/XXXX, when my husband was home, we spent two hours on the phone to try and get some answers. First, was with USAA agent XXXX. In summary we challenged why this information wasnt provided when the account was opened, this was due to periodic reviews of accounts, the accounts who have not answered these questions are being notified they do need to answer the questions. We had wanted to view the paperwork when the account was opened, but she did not have the information because, we do not have that information to see. It is at the back office where they opened the account. We insisted to be transferred to them stating she would be right back with us. We waited on hold for over 45 minutes, with no answer and never spoke to her again. \nOn our next attempt we decided to call as if we were opening an account to see how that department would answer our questions. After talking to USAA representative XXXX, we were told I should be able to access any information even though I am not the primary contrary to what I have been told prior. XXXX stated we have to ask financial information as all banks do. After waiting on hold for another 10 minutes for him to review the notes, and the nature of our call he stated again, I do not have access to see the information or the answers that were provided when you opened the account. I work in XXXX and XXXX in XXXX XXXX XXXX. He did confirm that he was asking those same questions when accounts were being opened now : annual income, estimate net worth, occupation, etc.. He stated there are other regulations that require income information under customer due diligence under regulation D and various banking regulations. He was not able to send me information about due diligence so we were conferenced in to Senior with Executive resolutions XXXX ( CEO member relations? ) : XXXX tried to assist us in trying to figure out what information we provided when opening the account. She stated, let me explain to you whats going on. You would not have gotten this information when you opened your account. There was an enhancement to the Patriot Act last year [ XXXX ]. So, this year, all the banks have to comply with the enhancement of the Patriot Act. So those questions like your employment, your income, things like that. So those are a federal regulation now that banks are required to collect this information as part of the customer due diligence information to better get to know your customers ( KYC ) due to all of the terrorism, and things like that going on. We stated we thought we answered our annual income and other questions when we opened the account. She stated each person on the account needed to provide separate information even though we were married. XXXX directed me to the FDIC.gov website to search Customer Due Diligence ( CDD ) which I did. I told XXXX that my personal bank advised I do not give this information as they were not required to and she stated, well they will be. This is a federal regulation that went into effect. XXXX confirmed we started asking these questions this year, but the law went into effect last year so the banks now have to go in and get this information from account holders. I told her all that I could find in regards to the laws were name, date of birth, SSN, and she articulated, It will state other information on that website regarding the customer due diligence where you can ask certain information. On the website I saw nothing even closely related to financial information being required on the CDD update. We repeated to request to see what information was given upon opening of our joint checking account before we add to anything, in hopes to make any information accurate and true. XXXX then stopped answering our questions, and transferred us again to the back office that never answered the phone while hanging up. We waited on hold for 15 minutes to no avail. \nThe final call, was still on XX/XX/XXXX, was the checking department where we spoke to representative XXXX. Irritated she also couldnt access the information we provided when we opened our account so we could verify what information we already provided. I educated her this information was required by the Patriot Act to be kept and maintained for 5 years. We were then compelled to be transferred to specialist XXXX for the next hour about the KYC and CCD questions. We exasperated explaining we were trying first to confirm what information they already had before adding more to it, then trying to better understand their requirement as it was not a federal law to provide financial information under the BSA, Patriot Act, or Due Diligence update. The conversation with XXXX on XX/XX/XXXX went as follows as is quite lengthy : I dictated Are you filing a SAR? I am not comfortable sharing the information as it increases my risk of identity theft, a data breach, you can share the information with credit bureaus, internal marketing, external marketing, joint marketing, and affiliates. I have not been told how this information will be protected, or how it is shared, or how you secure the information. I have been told I can not opt out, and it is a violation of the Gramm Leach Bliley Act of 1999 [ nor had I seen a privacy notice for XXXX ]. Until those questions are answered for me this is not allowed. She rudely exclaimed, So I will first say the majority of what you say is incorrect. It is absolutely required under the BSA and under the Patriot Act. Any large bank by FDIC regulation is required to abide by these laws. I agreed these are federal laws, but that financial questions are not apart of those laws. She stated, Yes they are Maam. I quoted section 326 of the Patriot Act, and she ignored it. She was able to confirm in the notations that they had my employment information, physical address, your social security number, date of birth, citizenship, and your full name. That is what we have on file. I stated that my annual income is not a requirement of a federal law as they are already able to verify my identity by the Patriot Act. She stated, yes, it is a requirement and I will agree to disagree. I requested to speak to legal to learn how they will protect and share and secure the information and opt me out of sharing. Id like them to show me the privacy notice from this year or you are not getting the information. I would like to speak to legal to hear on the record what they will do with the information to protect and secure it and opt me out of sharing or I am not going to answer. She replied, okay then your account will be closed. Our legal department does not reach out to customers regarding this matter because it is a standard matter and you absolutely are required. I stated, no other banks Ive spoken with are requiring this information and that is not true. She stated, that is it true and I dont need to speak to your banks as that would be a waste of my time. This conversation is not productive and you have received the same information from five different people. After threatening to end the call, she exclaimed, you have your opinion and it is not factual. I apologize if you disagree but that is not going to change the federal regulations. \nInstead of her ending the call, I stated there was something else she could help with in regards to why if this requirement came out in XX/XX/XXXX, why we werent asked upon opening the account in XX/XX/XXXX. She held there was an internal audit around the time we opened our account and found there was information that they did not have on file as I have already told you. It did not go out in mass issue to members as it would have overwhelmed their system and call volumes. It has just taken this long to get to my name. They have to go through all of their records from the XXXX, XXXX, and XXXX and so yes we have had to do that in groups. We had her confirm once my husband was on the phone that he had already answered the questions they have everything that they need on file for him but was not able to determine when or how he answered the questions. \nMy husband calmly stipulated are the questions different for my personal account because I thought when we opened our joint account, we did it at our combined income levels not separate. She simply said yes, so we reiterated, if they have the combined income of mine and hers together as one number, we needed access to it so we could separate it properly, instead of adding more to it which would change our risk factor. She detailed we can not have a joint answer for two people. However, she was not able to confirm what our annual income was for the account. I do not see it in front of me it is in the back-office records. I was troubled saying, if I gave you my annual income now, it could be potentially adding it to the joint income they may already have which wouldnt be accurate for the federal government She informed us, Their records department is a non-member contact, which is why you never got a response from them as they do not accept phone calls, they are a back office department. We tried to explain we had already been transferred to them twice today and she declared she didnt know how and she couldnt speak to what has happened on previous calls. We stated again we needed to either give us the information that is on our records right now, or we have to update them both together. XXXX described, what I update will just go through the system to records and add to it. There is no way to remove it even if he were to call and change it. No so these are general questions. All these are for it to be sure we can do mitigate risk and be sure that we can do risk monitoring for our members activity. Thats all it is for. So, we corroborated if we gave you the wrong information and were put into a different risk bracket that was going to be a problem. XXXX held, So no, you are misunderstanding what I am saying sir. We do not put you into brackets based on risk factors or anything like that. All it is, is to know if a member makes XXXX-XXXX and a wire comes in for a XXXX dollars that looks strange. That is all it is for. Just so we can have a gauge. Kind of a point a perception to go off of, a point of reference that is literally all it is. We stated in order to do that accurately, we would need to update our information together to separate it. She alleged, we do not have a way to update it, and my husband verbalized, then that is a problem for you not for me. She threatened, not necessarily because if you refuse to provide this information your account will be closed. I can not change an existing number ; I can input new data into the records system that is a form on your profile that is personally attached to you. It then gets sent to our back office for them to file. I can not change his because there is no place to input it. \nAs we expressed concern our direct deposits would be leaked into the account the following week she voiced, I could not find exactly a turn around time for when we needed to move our money out before the account closes. What I would have to do would be to put in a work order to the back office stating that you are refusing to answer the questions. Then at that time they review the account for closure. They would send out an official check with the remaining funds. The team that handles this, [ the MOET team ], it is not records. All direct deposits would be rejected go back to the sender, or if it is within a day or two it could force reopen it if it had not closed completely but usually goes back to the sender. Due to the inconvenience, my husband verified there was no way we could opt out of this, and she expressed, no sir it is a federal regulation. I struggled to get her to conference us into the MOET team who was handling this situation as seniors in the bank, however after being on hold for 20 minutes, she was not able to contact them. XXXX exclaimed she could no longer spent any more time with us to be available for other customers. She confirmed they were very backed up due to all of this going on and it is not a large department. I was frustrated that we would not be able to contact them ourselves and therefore our account would be closed. She confirmed there is no way to contact them by email, by direct number, or any other format by her understanding. This is because they do not use email for secured information. \nConsequently, on Saturday XX/XX/XXXX I realized the need to escalate the complaint so I could have someone call us back since the MOET team was not easily available before the account would be closed. A representative, XXXX, with the Executive Resolutions team, helped me to file a complaint and I was told I would be getting a call back from the CEOs office. She once more confirmed the information is used for banking regulations under the Patriot Act and passed in XXXX after XX/XX/XXXX. When it comes to the Patriot Act it advises us as a financial institution just making sure we are doing our customer due diligence we have to know who our customers are. That is ensuring that we know the individual that is with us here at USAA and what they are using the front for. If someone is using the account as money laundering or transferring money to foreign countries. So that we are not letting people move money around that shouldnt be moving money around. If we do not know our customers enough, you can be asked again and re-verify the information periodically to verify it is still accurate and on file. I reaffirmed in regards to due diligence we didnt have any foreign accounts, and my personal account was not at this bank, and my husband is the primary account holder for the joint checking account which they have his information. I confirmed no other federal banks are requiring these questions. I quoted the GLBA and that our last privacy notice was in XXXX and that was a concern and we are not being given the option to opt out. I tried to express my concerns of using the federal government phrase when it is not a federal requirement, and that it was a serious compliant. She agreed that I should speak to the MOET team. I articulated again they do not answer the phone and she agreed it is a busy department and that you have to wait as they are working overtime. Therefore, I was concerned it wouldnt be resolved in a timely fashion. In my attempt to reach the quality department no one answered again. I was confirmed the CEOs office would contact me within one business day after confirming my phone number on Saturday. \nTwo businesses days later on Tuesday XX/XX/XXXX, I conversed with XXXX from the CEOs office. I gave her a summary of my complaints that our documentation when the account was opened can not be verified, changed, or updated, thus denying us to potentially separate our incomes into two separate numbers. I explained the MOET team could not be reached. I also expressed concern about their requirement to answer the income questions as they are not a federal law for income information as I do not have a loan with them and am not a primary account holder. I told her I didnt appreciate being treated like trash, and be threatened to close my account stating it is a federal law when it is not. Intimidating people to answer questions when the federal government does not require income information and canceling accounts is a huge problem. XXXX stated she was trying to figure out when the account would be closed, but is still waiting from a response from the MOET team. She claimed, It is our current policy and our hands are being tied due to federal guidelines that are forcing us to change and ask these specific questions. I also know that if these questions are not being answered the account will more than likely be closed. They can inactivate the account and in other instances it will be closed. In order to get us into compliance we are being instructed we have to ask this. I requested, to see something official in a document file. I requested to see the policy by email or by mail. I stated that I would like to see that where it specifically asks for income information. She stated, she does not see them written down specifically to ask income questions. I inquired, then how do you know that as a fact? She admitted, I am still waiting for answers. As far as closing accounts we are covered by our depository agreement to do that. That has nothing to do with KYC and that they are closing accounts and inactivating them if the KYC isnt answered. She summarized my concerns and stated she would get back to me with hopefully answering all of my questions. \nOn Thursday XX/XX/XXXX I got another call from a different USAA representative trying to get me to answer the questions again. They stated they will call again in five business days, and then proceed to close the account if I do not answer the questions. She was unaware of the investigation in XXXX office. Later in the evening on XX/XX/XXXX, I spoke to XXXX for the second time. She stated they still will not tell me what the answers were upon opening our joint checking account. They will not update his information unless there was a new product that was applied for and that they will remain there unless a new product is applied for. I postulated, why can they not answer what they are? Do they not have the questions or the answers when the account was opened? Why cant they tell you? It concerns me they do not have them, which is a federal regulation of the Patriot Act they keep them on file. You said the information is under his [ husbands ] primary account. It is unacceptable they cant prove or say what our income is, but that they have it on file, how do they know what they have? It is my legal right to know what I answered, and you are telling me no that I cant have the information. She confirmed that my husband was asked CDD questions this XX/XX/XXXX through the USAA app detour. However, she does not have access to the questions and has been having computer problems all day and her co-worker never supplied them as requested. In regards to what document stated they need to ask income information, she specified it was under the CDD guidelines from the XX/XX/XXXX amendment in the four specific guidelines. She stated she could not distribute the internal document that requires it but did pass legal review and compliance. That is what they are using to fulfill the requirements of the four CDD guidelines. The privacy notice she stated was listed on the USAA website and was revised in XXXX and it has not changed since then, but it is delivered annually and it does state they collect income information. My guess is that is still the current privacy promise and it has not been updated since then but I will verify that. If the privacy promise hasnt changed the revision date it would be the last time that it was revised and therefore is the same. I questioned why the year wouldnt be changed for the new year ( XXXX ), and she stated it didnt need to. I was concerned by this because they are now collecting new income information but it didnt require any changes. \nXXXX verified that we did not answer the questions when the account was opened. I questioned this fact as she does not have access to those and has no idea what was actually requested or answered. This was because she was still trying to get that information from the MOET time. She admitted she does not know. I repeated until we know for sure, I do not want to add to a joint income balance, we can not proceed. If they are refusing to give it to her then thats a problem. In regards to the CDD questions, we determined they make up their own policy which I am not allowed to see stating that it requires income information. I recapped it applies to a USAA policy and is NOT A FEDERAL REQUIREMENT OR LAW. \nXXXX reasoned, when a regulator comes to look at us and asks how are you complying with the CDD guidelines that were outlined, we present them with the CDD questionnaire, period. That is how it relates to the CDD guidelines. It is our internal process and policy due to the government requirement. I argued, the government does not require everyone to answer income information. That is not true. Your institution is requiring that by yourselves. It is not a federal guideline to obtain income information for a joint checking account. Or for any account. Your bank is determining that and doing it all by themselves. Which, granted, you are compliant because you are getting name, DOB, and SSN which is all that is required. You are just going above and beyond thatwhich is fine if you want to. However, stating it is a FEDREAL LAW for me to give it to you is not the case. It is not a federal law for me to provide you my income information. There are laws that protect my financial privacy and I do not have to give it to you, which is why you can close my account and I can go somewhere else. If it was a federal requirement, I would be required at every other bank, which I am not. I spoke to six of the top bank executives in this country that are bigger than you and it is not a federal regulation. So, by you threating people and telling them that it isis a problem because it is not. Even when they called today, they said the same thing. USAA is requiring it, but it is not a federal law. She alleged, so that we comply. I repeated, it is required that you comply by confirming my identity with name, DOB, SSN, and address, running it through your banking system, and with my occupation. That is more than enough to verify someones identity which is all that the CDD requires. Your bank is going outside of that and getting income information. This is fine like I said, but it is not a federal requirement for me to specifically give you my income ; it is not. She finally admits, no it is a requirement of USAA in order for us to meet the guidelines. I again, it is not a federal requirement, it is USAAs requirement. I told her I had a screen shot on my phone it was a federal regulation, it is not. Do you understand? It is a problem. It is your regulation and thats it. It is just yours. She says, so we are in compliance with the federal regulation and the CDD requirements. I strained to clarify, we have been in compliance with you since we opened our account. Stating that if we dont answer the questions, we are not is a lie. And threatening to close my account with you is also a problem because you are stating it is a federal regulation when it is your regulation. Those are two very different things. You are still in compliance even if you were to take the income information out. She says, well not when our policy states that we have to obtain that information, we are not in compliance. I enlightened, even the OCC that regulates you doesnt require that. I could understand that you could close our account because we didnt meet your policy guidelines, thats fine. But telling me specifically it is because it is a federal requirement is not the case. It is not complaint with your policy and your policy alone. \nWe tried to go over it again. I replicated, It isnt because I am not being federally compliant with the law like you are claiming, it is that it is compliant with USAA policy, not the federal government. By you telling me it is a violation of the Patriot Act is not the case. By you telling me it is a violation of the BSA is not the case. By you telling me it is a violation of the XX/XX/XXXX CDD is not the case. Because those are federal laws. There is nothing in any of those laws that specifically require income. It does not exist. That is USAAs policy not the federal government. So by all of these conversations I have on recordings of you telling me that, all the screenshots, and documents, is a big problem. When asking about reaching out to legal she assures me, So legal has already went over our questions I was flustered, okay, are they aware that youre telling people it is a federal regulation for me to answer my income questions? If they were, they would be fixing it immediately as it is a USAA policy. I dont understand why you cant just say it is a USAA policy? Why are you throwing words around and trying to include the federal government when it is none of their business to ask me those questions. Are they aware you are asking them? Because the OCC was concerned [ I spoke to them on XX/XX/XXXX ]. Are they aware of that? That you are telling customers it is a federal requirement by the Patriot Act? No other big banks ask those questions, just you, because it is your own policy. She stated, I am understanding. \nFor additional confirmation, I called XXXX XXXX XXXX on XX/XX/XXXX as they are the second largest bank in the United States with assets worth {$2200.00} XXXX dollars in XXXX so figured it would be a worthy source. I spoke to XXXX, she stated to open a joint checking account they would need, license, 2 forms of id ( government and personal ), type of account, SSN, address. I have worked for the bank for 38 years and we have never requested income information. We do not ask net worth or income as it is not a government regulation. I can assure you if it was XXXX XXXX XXXX would be doing it. This was encouraging that asking personal financial information was indeed NOT a federal regulation. This was further established with two other local banks in my area to provide some additional ease. \nOn XX/XX/XXXX I spoke to XXXX of MI, OCC, and confirmed with CFPB, and MI Attorney General there is no requirement for financial information and each suggested I file complaints. I followed up with XXXX on XX/XX/XXXX and XXXX. She confirmed we have private settings, our account won't be closed until XXXX, but was unable to find any information from when the account was opened. She stated there were no issues with their privacy notice or way they are doing things and was approved by legal and compliance. I request help. I feel what USAA is doing is a violation of Section 326 of the Patriot Act, Record Keeping, and the GLBA. I am not comfortable with how they have conducted this process, and feel as though they are intimidating people to sacrifice their private financial information by manufacturing it is a federal law. To my knowledge we do not meet any of the BSA requirements that would make us candidates for filing a SAR. In recent legal cases vs.USAA in XX/XX/XXXX I want to make sure this is allowed and is not similar violation","date_sent_to_company":"2019-08-28T04:55:29.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"48125","tags":"Servicemember","has_narrative":true,"complaint_id":"3357398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-08-28T04:31:00.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I spoke to <em>XXXX</em>, she stated to open a joint <em>checking</em> <em>account</em> they would need, license, 2 forms of id ( government and <em>personal</em> ), type of <em>account</em>, SSN, address. I have worked for the bank for 38 years and we have never requested income information. We do not ask net worth or income as it is not a government regulation. I can assure you if it was <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> would be doing it. This was encouraging that asking <em>personal</em> financial information was indeed NOT a federal regulation."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[6.436141,"3357398"]},{"_index":"complaint-public-v1","_id":"15473824","_score":6.369329,"_source":{"product":"Checking or savings account","complaint_what_happened":"b'I was born XXXX XXXX XXXX and was given in excess of $XXXX XXXX. Whenever I was born and it was deposited into XXXX XXXX Bank and it was there until XXXX XXXX of XXXX  when XXXX  XXXX  bank was acquired by Old National Bancorp my name was changed on it in lieu of Art for MY Relatives name and her name is XXXX  XXXX  XXXX  XXXX  and its now held at Old  national but we were both under age and they were changing the name so I couldnt get control of it so they could control the girl and keep it as the adults that raised me. It was my stepfather XXXX  XXXX  Who stole it with XXXX  XXXX. Be so worked at XXXX  XXXX  bank, which used to be audited by XXXX, XXXX  XXXX  Office and now they no longer have any job to do, but they just go into work and sit there and its not their fault because they changed the name of XXXX  XXXX  bank, where the money was held for XXXX  XXXX  XXXX  myself to XXXX XXXX  band Corp. and they I dont know if they erased or got rid of all the records, but they moved the money to Old national and then Old national started acquiring a bunch of banks up until like XXXX  that I can see online and they also moved a bunch of money to XXXX  XXXX, which is where I live now I live in XXXX  XXXX  And they did a bunch of construction projects a bunch of buildings a bunch of houses a bunch of car lots everything they purchased so the money has to be pretty great and its all missing and they stole it from me whenever I was a kid and it was given to me whenever I was born of course I dont have all the information about it, but I have enough with those names of those banks and those two people Because XXXX  XXXX  worked at the bank for a long time. She was the manager at XXXX  XXXX  Bank and XXXX  XXXX  Bancorp all of my childhood so she has to know something about it. Shes since retired from XXXX XXXX  Bancorp. Theres another girl named XXXX  XXXX  that used to work there. She should know something about it. I dont have all their contact info, but I know them by first and last name because its a small town I believe the money was given to me from XXXX  bank or bank XXXX  or XXXX  XXXX  corporation which holds funds under custody but in XXXX  they merged with XXXX  and XXXX  I started using the funds under custody is what I believe and they started doing so with people in the fed either the Federal Reserve or the FBI or whatever but theyre using a routing number thats assigned to me as my birthdate is XXXX and the routing number is XXXX  and my Grandpas business is showed XXXX  and is the last four digits of the phone number is XXXX  so I have unique identifiers that match it up with me I have The bank identifier of BANK XXXX XXXX. XXXX  is one and the theres a bank down here in XXXX  that they set up called XXXX  Bank and its bank identifier XXXX  and the people working there all look like the family of the XXXX  people they they stalk me they read my thoughts they access all my accounts they go on my passwords They steal my devices and use them as me. They own car dealerships and give cars away for free, but they charge me extra they charge me they tamper with my transmission in my car. I had to get my transmission replaced in my car recently and they do a whole bunch of crime that falls under the financial bureaus regulation and I need your help because I dont need the fund seized by the government. I need them given back to me because they have me stuck in my home all day unable to get a job they get me unlawful arrest arrested for houses that I own and they put fictitious names on people and they build cases against me in XXXX  courts with with people named XXXX  and XXXX  and they dont even check those people for valid names XXXX XXXX XXXX is a valid name. Its on a passport and drivers license a birth certificate and a Social Security card. Its the only name Ive ever used. Its only name Ive ever had and I do not know how to do fraud or con people I am not into it. I just have had it done to me so much that I cant stand it anymore and I get stalked and tortured daily hourly every minute of every day XXXX XXXX XXXX XXXX XXXX XXXX XXXX pressure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They stole all the money and work with locals down here that speak XXXX  and keep the money hidden away from me and all the XXXX-speaking people pretend that they dont know whats going on and its all just bullshit. It needs to be stopped, I need to be returned my money. The FDIC only saying they protect you for $XXXX is XXXX  because I was a kid and I had that much in the bank and I signed up for a bank account at XXXX  XXXX  bank a personal account that wasnt in a trust or a or an account or a custodian account or whatever the money they got stolen was in and they got my social from an internal bank worker named XXXX. I signed up for an account in XXXX  or XXXX  XXXX XXXX when I got my first job at XXXXXXXX XXXX XXXX, I can verify all this information. I need the financial bureau to reach out to me after they have found the route of the money where it came from why I have it why its missing why my father said he was my dad, but hes not even my dad. He was my stepdad. He has no biological relation to me and in XXXX XXXX, the XXXX  exactly he faked his death in his estranged moving around XXXX  XXXX  XXXX  making sure my life is a living hell and before he died, he told me he was about to die, but he was in good health but he told me as soon as he dies make sure I move back to XXXX  with my mom and whenever I ask my mom after he passed or supposedly passed shes like no she argued me a little. Shes like I dont need you here. Its fine. Everythings fine so I come back to XXXX  and now XXXX years later I see him running on the street. I see him driving by me whenever Im sitting in a parking spot. I hear him living at XXXX XXXX, and in the XXXX XXXX residence he lives on one of the islands in ZIP Code XXXX  but hes an estranged Parent that stole the family money from me. It was in my name didnt give us any put some in XXXX XXXX XXXX XXXX name using XXXX XXXX  who is XXXX  godmother and lives in XXXX  still with her but XXXX  worked at XXXX  XXXX  Bank and As as it switched to XXXX  XXXX  Bancorp. XXXX  worked there the whole time as the HR person doing all the hiring all the firing all the employee relations work while still having access to the banking system and everyone in it and all their information their private information and thats not supposed to be pulled up by anyone but the tellers whenever the bank customer is there trying to do so cause theyre not allowed to look at the accounts just when they have free time, but XXXX  has made a career out of doing it and her sister XXXX XXXX both had the maiden name. XXXX  worked at Old National Bank where they transferred the money to in another persons name and now I get stalked I have my mind being red I get XXXX  I get XXXX  and I get no response or no help from anyone. I cant even get employed because I dont get a response from anyone everyone down here pretends they dont hear it because they speak XXXX. Theyre all just worthless freeloaders so I have to have money otherwise they wouldnt have put this device in my back at XXXX  Hospital that vibrates and its in my spine and its able to read my mind and send the signal out so everyone can read it including the comptroller XXXX XXXX XXXX and everyone else that hears this needs to stop worrying about what or who I like and trying to beat or challenge me to see if I can do it on my own because its one against at least XXXX  people that XXXX XXXX has hired and XXXX XXXX his mom is the one that gave him the idea after my mom wasnt pretty enough for him or good enough for him after he was rich, but he wasnt rich. He was XXXX XXXX money, my money and he stole kids money and took it away from the family because he couldnt bear getting a divorce because of his stupid families, religious beliefs that they didnt do anything but wait it out fake a death XXXX XXXX XXXX now just one year ago, they XXXX  her with XXXX  and XXXX, and they take everything to the grave they say, but they they are the most scared people and only of shame in their small town of less than XXXX  people and I think the money is greater than $XXXX XXXX that I was given and XXXX  thought that that wouldnt give enough people in a town of XXXX  people enough if you gave everyone some because he didnt want to give everyone some because he doesnt like everyone, but you dont have to, but you could and you would never run out of money thats a lot of money and XXXX  is down here in XXXX  as a dead person running circles around me with fraternity brothers that I have and everyone else that I ever met from XXXX  he had pre-meditated taught them how to steal from me showed them how to code it in contracts service buildings with extra charges that go towards their bank accounts and not towards the escrow that its supposed to go to for everyones apartment in a condominium it just works as a savings account so you always have money for your house. Otherwise your house is worth no money so you have to constantly put service money into it and it doesnt cost for service or any service company that manages a building when they dont manage it. Theyre there to service us at a high-end building. They are not here to manage us and say what were doing wrong and they are doing that and its first service residential that stole so much money with the kids from XXXX  like XXXX XXXX XXXX XXXX and many of their friends, but those two for sure in XXXX  and they grew up as neighbors and XXXX  XXXX. So theres money missing the government the bureau whatever you are cannot just ignore this and not return it all to me. I was a child and prayed on by a XXXX XXXX  and XXXX  XXXX  and his mom was a XXXX XXXX to me as well. Whenever I was seven and below in age they put two things in my ankles to always track my thoughts and XXXX XXXX and XXXX XXXX  and XXXX XXXX  heard every thought everything every word that I ever said as they all had the devices put in because I had so much money they were able to find that technology back in XXXX. They started a bank down here called XXXX bank in XXXX  and it has a lot of money in it and no one knows who regulates it or who owns it because they put it in there after they created it and theres no trail of who it came from because they didnt have the proper regulatory bodies in place to actually open a bank. They just got away with it because of all the hustle and muscle down here and it being hard to tell whether one is real or not there must be a list like you guys have of each and every bank not just the main branch and the main state because these multi state banks break off and steal money from me and spread it all out and thin it out because its the money so great they do it through XXXX. They do it through sports cars. They do it through businesses that I am invested in and all my funds I believe are under the custody of XXXX XXXX XXXX with the routing number XXXX and again XXXX is my birthday XXXX XXXX XXXX look them up on XXXX  and see how many legitimate business sites that post peoples contact info have them. Its all legitimate every single one of the search results that come up under show XXXX  XXXX XXXX are from XXXX  XXXX  everywhere but they all say the same thing the right thing they all have good reviews. Theres no bad news article about them. Theres no bad reviews. Theres no one saying anything bad about them because thats my family and were good people and we do the right thing and you consumer financial bureau finally needs to do the right thing cause I know you hear this too so get this message away from just one person reading it, and make sure every single person at the bureau of the consumer finance reads it every single person make sure XXXX XXXX, the controller of currency reads it. His last name is spelled XXXX because Im getting screwed Im being forced into thought which is laboring and torture that word comes up in court and Ive mentioned it to you and I told you it was happening to me. Thats not gonna look good on anyone in the bureau of consumer finance because this is the only place where you can submit a complaint, but its not a complaint. Its more than that. Its my whole life is in danger because of the money that I was born with and the idiots that stole it cause theyre dumb hillbillies so you gotta be able to stop them with my help I know who all of them are. I know they will all have to rat because they cant lie in court thats perjury and the courts will catch them every time because thats why they do cross-examination and so much discovery so the people cant lie, but I need help getting them to court by you guys tracing it all back to XXXX  XXXX  bank and where it came from before I was born or when I was born, what deposited that who deposited that and where did they come from the deposit into XXXX XXXX bank for XXXX XXXX XXXX  born XXXX XXXX XXXX this is a nonnegotiable. This is not a threat. This is a serious serious serious matter and everyone that reads these needs to read this one so make sure you do a last email and send this message to everyone at the bureau where you work send it to XXXX XXXX XXXX who is a associate deputy at the FBI .  I dont want to get the government to seize the assets and then me have to work my ass off to get them back. Thats not fair. I was a child and I was prayed on by XXXX XXXX everyone that is listed above. Does sick XXXX  online to children so look that up to every name that I said does it they do bad things because they got money and thats what they wanna do with it because theyre such poor people whenever they got rich they just wanted to XXXX  peoples life and Im sorry for using Derogatory language, but its important to get the point across this needs to be given to XXXX XXXX  as well thats XXXX  with a K who is the director of the FBI because he too needs to read it all the XXXX  that you hear going on. I know you hear it. You all do it gets annoying but think of me Im being tortured and made to think so I can think of who stole my money and why is this happening to me and the only reason is is because the money is that great that the person who did it for me isnt gonna stop it until you guys actually help me and do it my way where I dont have to get some of it back. I get all of it back in the government print it Because it would have to print it because the FDIC is XXXX  and you know that I couldnt have protected it whenever my dad is telling me hes my father, but hes not even my stepdad. Hes not even my father. Hes just the one that married my mother, but had to have her sleep with another man to create a boy For XXXX  because XXXX  was the owner of the bank. XXXX  was the one that was given the money, it was to XXXX  son XXXX  firstborn, son, and it didnt matter who it was from it matters that I was a full wit, full, grown congruent man, all around feet, hands, head health and heart, and that I did not start to do this to myself. Someone helped me at XXXX  Hospital who has control of this so its not the FBI but the control of the two in the ankle the Fbi let get stolen by a guy named XXXX  and his boyfriend who used to work for XXXX  in the Fbi. I believe his name is XXXX  or XXXX. I dont know what his name is but they have XXXX  XXXX  of XXXX XXXX of data in their house near XXXX  XXXX  university here in XXXX  and this is why it also needs to be given to the FBI to those two people because I can relate to them and I know theyre not so evil to be able to get that position away from people like XXXX XXXX with a XXXX  and XXXX XXXX, who are both people from my past but its not them thats it Fbi its just their names they were using and it was fraud and thats why they got kicked out of the FBI not for doing stupid XXXX  that the government makes up Im done with that, but Im not done with this case, and you must do this the first person who reads this blasted to everyone, but make sure you get it all the way up to chain to the director of the FBI and the associate deputy XXXX XXXX XXXX  also pass it along to Donald Trump so he can help out. You have to have some sort of contact or someone there at the consumer financial bureau has to have someone in the Pentagon or somewhere that has oversight on them because the executive branch is part of the oversight committee of banks, the office of comptroller of the currency Falls under that because the executive branch has to be a watchdog otherwise this will happen and no one will know how to police it because it doesnt need to be policed around me. They need to find the people that I listed and arrest them and make them come to me as detained individuals and tell me where they put the money when they stole it how many different places it is how much it was to begin with how much they gave away they need to tell full disclosure of everything And the FBI can make that happen. They just need this letter from a consumer finance bureau because you guys are the ones that accept the complaints about banks, and they stole it from a bank and got away with it and acquired a bunch of banks in XXXX XXXX XXXX  and other XXXX XXXX  places Where XXXX  and XXXX  and XXXX  all frequent or theyre from and theyre all on dates of their kids birthdays so they gave all my money away to all their kids and all their kids do is live in XXXX  in a town of XXXX  people and they all live around each other and dont spend any of the money Because they want to save it for their kids or whatever but theyre stupid with it. Theyre done with money they do not know how to spend it. They do not know how to have it. They do not know whos it is because they think its theirs, but it is mine XXXXXXXX XXXX XXXX XXXX  is my birth mother if the money was given to me and XXXX  and XXXX  Bank built in XXXX then how did XXXX XXXX name or XXXX XXXX how did her name end up on the money at old national and everywhere else, including down here in XXXX  if she wasnt born until XXXX  in XXXX  but I was born XXXX months before her and it had to be under some custodian or under the custody of the bank so the bank had to break a big law put a new shell up over it and hide out however they did because you cannot move that amount of money even if its XXXX  to XXXX thats too much money to let go out of someones name so it had to be someone working at the bank and it had to be XXXX  or XXXX and they both worked at the bank my whole life Im XXXX  now theyre both retired XXXX  bank changed his name to XXXX  BANK XXXX  and said they were in foreign countries and theyre not so checks and balances must be done in each branch of the government. Thats what we learn in history classes in social studies and everywhere without going to college everyone knows that so you reading this you know that you remember checks and balances and things like that certain terms and and clauses in everything that they beaten our head in elementary middle and high school, so that we would all know the law and the repercussions of it and wouldnt be doing things like major theft and fraud because they dont teach you how to do those things nor do they dwell on them they just tell you how much punishment it is just for $XXXX or more and 3XXXX XXXX is at least XXXX XXXXears in XXXX  from what I remember maybe its XXXX XXXX XXXX XXXX, but it needs to be a set rate, but I I need this message to resonate with people. Im doing it on talk to text so some of it may be misspelled. Some of the words may be out of order because they hacked my phone and they can change my words they can change the spelling of their names. They can add punctuation where it doesnt belong because Im doing run-on sentences to tell you everything it works better that way whenever its typing because when you go in rhythm that it cant mess it up but when you slow down and talk or you pause to punctuate it doesnt do it right so whenever you talk to text, make sure you do it quick and you know what youre gonna say cause thats what Im trying to show you in this last paragraph that you understand it now all they did was steal money from a baby. Im not a baby anymore, but I was a baby and a child up till XXXX. I was only XXXX  but I got my first job then and I gave my social out to XXXX XXXX bank and they were able to use it and change it to someone elses. And thats it make sure this gets up to the executive branch of government, which is the office of the president. He lives down here we have the same area code XXXX  phone numbers which is XXXX He needs to see this and read it himself just so he has a personal touch whenever he reaches out to me because he does reach out, but he needs to know its OK to reach out and talk to me cause Im a real person and talking to a real person get you a lot more excited than talking to people in the government and I hope he reads this because I could talk circles around you if I wanted to, but I would just shut up and listen as well but I know everything that theyve done to you and to me is just to ruin actual peoples lives that have real money because they want to take over the world they think this is war they play board games. They think theyre good at them. They dont know how to play chess though, and a monarch or a family has to be all the pieces, including the ponds because otherwise youd be at odds, the queen and the king are not married. Its the queen that is the daughter or the sister or the mother of the king until the next in line is there based on lineage and thats how they had to read them and do so with the machine that everyone has heard about, but needs to be in my control because Im the one with the most money not those on the XXXX  list they all lie about who they are and where they went where theyre from and Trump puts his name on buildings goes into gambling or gaming in XXXX  XXXX  or wherever he went and it failed so he stopped doing the gaming and still puts hotels and skyscrapers up with his name on him so that means hes building them. That means youre building Donald and I hope to XXXX  that you get this from the CFPB because he is the president and this is that urgent of a matter. Its the greatest amount of theft thats ever happened in history. Its the biggest crime ring in history and it will create a landmark case, but I need all those big names that I mentioned, which is about five of them to all collaborate with me not XXXX  Im easy to get along with. And so smart from being XXXX  that theres no way that you would talk down or in any way rude to me because Im a very nice person and I always do the right thing so learn from that and do the right thing with everything you do in life, but start with this and those who help deserve positions deserve power deserve rewards, but not to hurt people or cause harm just cause I get rich. I wanna say that all these people dont deserve to live is not true I want everyone to live and I want everyone to be happy and I want you guys to want that too. Dont be mad at people or or chase people into criminality or or abuse people because you have money and they dont help people out make the world a better place not not evolve. Were here to evolve and its its never been said like this cause no one ever taught us this in school but if you want a happier life, then stop talking about XXXX  and XXXX  because that was back then before all of money and monetary value was created, but it doesnt have an oversight committee because they felt that the government would have too much power is XXXX  because everything that you guys do is under a microscope, and you guys all have checks and balances from the legislative to the executive to the judicial branch and theres no way for you to get out of power or or steal all the money without it being known that you may be able to try to get away with it, but it would be stupid because youre already there at that level and it makes a good salary so do something for me once I dont get paid anything and Im getting tortured and its lasted over XXXX  years now, so please help me and please blast this message to everyone everywhere in your workplace and find the highest person in the CFPB and make sure he gets this to XXXX XXXX XXXX XXXX, Donald Trump and XXXX XXXX  and keep away from the governors of XXXX  and XXXX because theyre both involved in the corruption and it needs to be known because Donald Trump gets by them too because they started their businesses or they got to where they are with my money and they are both locals from XXXX, XXXX, which is just a town right next to mine that has XXXX  in it and grocery stores but theyre not smarter just because they have that we just drive to them to get that because I built it all, but I dont get any returns on it because everyone knew XXXX  stole it so they blackmail each other and keep whatever they make themselves and and theyre always giving it out because the money is so great so please make my day please make my day so bright come Monday that I get those people to come to me to take me to XXXX  to take me to old national to take me to the treasury to take me to a federal reserve bank to get my funds returned to me because thats what a federal reserve bank is For if someones money goes missing the feds can reprint it specially if I was a kid and had nothing to do with it going missing because theres no way I signed off on it and knew what I was doing if I did because I didnt know about money or how it worked until accounting at XXXX  university where I graduated from in XXXX  so Godspeed and please do what I ask cause its not that hard for you to all evaluate this and go to all your resources because one of you may not have the same resources as the other and get all the information and find out the banks where my money is, I think its also in XXXX  bank. I mentioned XXXX  Bank and XXXX  Bank XXXX  Bank XXXX XXXX XXXX XXXX Bank Bank XXXX XXXX XXXX  Bank, XXXX XXXX Bancorp Old National Bancorp XXXX XXXX bank and if I can think of any more, Ill have them written down for when I finally meet someone high enough up to help me take this down which is a crime ring full of idiots and I know Im all by name and have their phone numbers because its everyone I ever met my dad paid for them to turn on me and they did so the FBI should be salivating. Should they actually receive this message because Im asking you to so you cant keep it away from them because of privacy laws its the freedom of information act that means if you cant do something about it then you have the freedom if its written to give it to those who its written to, including the president of the United States of America, Donald Trump because he has the power to get it stopped because FOIA or the freedom of information act is not so people know whos rich its so people know whos rich and their money cant go missing so they must have a trail of it everywhere and it must be available to those who dont work at banks or who cant get jobs at banks because they have too much money and everyone knows it and they keep me away from all the information that I need but its an act enacted by the government so that freedom and information accordingly are equally given to anyone that requested because the banks cant be trusted with people working in them, so the people must be able to see who has money and other rich people would like that too, because it would attract people to them that are beneficial to their life and who help keep their money safe or help them make more money and have a happier life because its not the bank hoarding it and stealing it not being regulated and thats whats going on. Theres no regulation theres no oversight and thats because the executive branch controls it so the judicial branch cant unless I take them to court but the executive branch is more powerful is smarter and paid higher and they get lifetime benefits. They keep them safe regardless of what they have to do to make sure something goes through. They dont have to hide out or keep a low profile. Theyre protected by themselves too cause theyre smart enough to get that high then theyre smart enough to live any life but make sure that you all wanna be happy because if I get access to my money and it is that great and I know it is then a lot more people will be happy so do your best and get this to everyone that I request requested mentioned or said and anyone else who you think would help in my situation because I forgot to mention people that you know maybe in your workplace that need to see this thatll get it done because thats a team and thats my team and if you do that for me and with me then that deserves rewards that deserves promotions that deserves merit that deserves respect and that will all be given to those who help Im not a stupid person Im a grown man and through torture and invasion of my privacy, which is all this is Ive learned how to do the right thing no matter what and be a nice guy no matter what because it ruins my day if Im pissed off or being stocked too hard so I still have to do the right thing and remain happy and thats what I want to promote to each and every one of you because its important makes your day go by better. Make your life more full and makes everything else easy because theres a big case and a big obstacle that we must overcome to get genetics back on track as well and Ill save that for the conversation with those that choose to abide or collaborate or team up with me because we all want to feel wholesome.  And we all wanna be liked we all wanna be admired. We all wanna be brave we all wanna be in love with life in love with someone and thats XXXX  thats society thats evolved get back to the basics of what makes you happy and it starts with stopping those that are incapable of being happy because theyre wrong decisions and their disorder that theyve had in their life for far too long now Because theyre not lost causes. Theyre just not important so we need to put them out of order because theyre disordered anyway and its not that hard so come with me. Lets do this and never look back copy and paste and send to everyone. You know everyone you know could help every manager every supervisor every regional every district every office every headquarters every FBI every President, which is one the whole executive office could read this and already know what Im talking about because Privacy doesnt exist with me because they put this device in me that everyone hears this and stays quiet during because Im not thinking and its only loud when Im thinking and sitting in my room alone and when Im talking to text everythings quiet because everyones listening so everyone knows everything that I do everything that I say and thats not the part Im upset about im upset about the ones that are torturing me by talking over me and saying nonsense and those are the ones Ive listed above that are criminals so dont worry about yourself or others knowing or hearing its obvious you can but make sure this gets in the right hands and be a hero Be the woman be the man whoever you are. Make sure you stand with me at my side and get and deserve whatever you want in life by being a good person a go-getter thank you for your time. Please help get this message along. Its very very important.'","date_sent_to_company":"2025-09-29T19:53:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33130","tags":null,"has_narrative":true,"complaint_id":"15473824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OLD NATIONAL BANCORP","date_received":"2025-08-24T06:47:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["The <em>FDIC</em> only saying they protect you for $<em>XXXX</em> is <em>XXXX</em>  because I was a kid and I had that much in the bank and I signed up for a bank <em>account</em> at <em>XXXX</em>  <em>XXXX</em>  bank a <em>personal</em> <em>account</em> that wasnt in a trust or a or an <em>account</em> or a custodian <em>account</em> or whatever the money they got stolen was in and they got my social from an internal bank worker named <em>XXXX</em>. I signed up for an <em>account</em> in <em>XXXX</em>  or <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> when I got my first job at XXXXXXXX <em>XXXX</em> <em>XXXX</em>, I can verify all this information."],"product":["<em>Checking</em> or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["<em>Checking</em> <em>account</em>"],"sub_issue":["<em>Funds</em> not handled or disbursed as instructed"]},"sort":[6.369329,"15473824"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":21,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":21}]}},"product":{"doc_count":21,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":5},{"key":"CD (Certificate of Deposit)","doc_count":1},{"key":"Other 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