{"took":120,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":28,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4996938","_score":12.375128,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 I was trying to pay my XXXX XXXX bill on my online app.I received an error message to call customer services The first representative that I spoke with was XXXX I gave her my information and she stated to me that my account was closed due to fraudulent activity.I said since when? XXXX stated it was done on XX/XX/XXXX XXXX replied Today is XXXX XXXX, XXXX stated that a letter was mailed out to me on XXXX XXXX In which I explain to her I never received it but why didnt think of any bank call me immediately once they was notified about any fraudulent activity on my account. I am your Consumer and your customer, at this moment I feel as though my privacy had been breached. I stated to XXXX I have two other accounts with synchrony bank, where they affect it? XXXX stated to me no they werent. So at this time I am perturbation. XXXX stated they probably havent received the update paperwork? I said that doesnt make any sense you have documentation that it was fraudulent activity on my account you should close all of my accounts, but my other two accounts are open and active? I thought all of my accounts were under the same entity.Im calling in to make a payment in which I do every month.And I never will if I wouldve called if my account wasnt close through the web portal. But synchrony bank knew about this matter for six days and never reached out to me So at this point Synchrony bank is actually committing Fraud at this moment!!! By Excepting information in regards to me and my personal account information with synchrony bank.I asked XXXX well the documentation that you Currently have, is my wet signature on a document? XXXX stated to me I Can not disclose any information about this issue you need to call the credit Bureau.And thats what I did I called XXXX XXXX XXXX and XXXX and they all stated that they dont have any fraud alert or any reports about any fraudulent activity. I called synchrony bank back. I was transferred back to the Fraud department representative by the name XXXX, soon as he came on the phone he basically repeated everything that XXXX the previous representative said, so I explain to him when I got off the phone with XXXX. I called XXXX XXXX XXXX XXXX in which all of them stated there was no fraud alerts or any fraudulent activity that has been done on your accounts. So I stated to XXXX I didnt call My car in as lost or stolen so how is someone else able to call them or send any documentation to your department and have my account close? And why didnt Synchrony Bank , reach out to me concerning this matter Immediately, I Said XXXX XXXX me oh that was a letter sent out to you you should be receiving it soon as this so I am your Consumer your customer and Account holder. But have to wait for a letter? but something That happened 6 days ago. But some I know person can send over documentation About me and my personal information and have my account close so thats a form of identity theft!! XXXX stated it was XXXX XXXX who sent over documentation that my account was fraudulent and had fraudulent activity detected on there. I said well I just spoke to them and they stated they dont have any fraudulent Activity or any fraud alerts in reference to this account I even went on some out websites for all the credit bureaus and I didnt see any alerts either, So at this point my stress Beyond controllable, My anxiety was elevated cause Im so concerned about my credit report being affected by this damaging allegations And as you can see I have exceptional credit history for all of my accounts throughout the years.So XXXX apologize , stated your right maybe we need to review our policy and procedures on how we conduct Matters like this moving forward. Then he stated XXXX XXXX your account is completely closed and I asked Why arent all of my accounts showing the same status, Im still the same person on all of my accounts But only one is reported for fraud? that didnt t seems suspicious? The only XXXX XXXX was the one that sent all the documentation without my wet signature on there so how is that validated Synchrony bank did not call me to ask me any questions about this matter? So how was it for Verifiable, factual information? So XXXX Stated there was nothing he can do, my account is completely close and under investigation and once I receive the documentation by mail I have a certain timeframe to send it back so my old Credit card can be reinstated.I told XXXX XXXX worry about reinstating my car because I Dont want to be a part of a financial institution that do not value, respect, protect their consumers. I feel so embarrassed I feel so upset I feel totally depressed They put me in a XXXX XXXX, because I worked really hard to keep my credit and all of my accounts in good standings. Im definitely expecting to hear from the CEO of Synchrony bank XXXX XXXXAnd also Im seeking some form of compensation for the pain disrespect and suffering that I endured dealing with the situation. respectfully","date_sent_to_company":"2021-12-11T07:43:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21239","tags":null,"has_narrative":true,"complaint_id":"4996938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-12-11T05:19:43.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["But synchrony bank knew <em>about</em> this matter for six days and never reached out to me So at this <em>point</em> Synchrony bank is actually committing Fraud at this moment!!! By Excepting information in regards to me and my <em>personal</em> account information with synchrony bank.I asked XXXX well the documentation that you Currently have, is my wet signature on a document?"],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.375128,"4996938"]},{"_index":"complaint-public-v1","_id":"8298239","_score":11.043313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # 's XXXX and XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. \nAdditionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( EXPERIAN, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX  XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. \nI never received a 1099-C from XXXX XXXX XXXX for the cancelled debt 's of { { { {$1400.00} } & {$2400.00} } } in order to file as ordinary income. Where is my 1099-C? XXXX XXXX. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! XXXX XXXX. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX. terms and conditions they agreed not to share my information with non affiliates. EXPERIAN, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX, XXXX, AND XXXX XXXX XXXX are not affiliates of XXXX XXXX. nor are they \" bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. \nAccording to the FCRA, I XXXX XXXX XXXX have a right to privacy Per the Privacy Act of 1974 as a Federally Protected Consumer. l am currently choosing to withdraw any and all authorization. As the Consumer, I may have provided you with authorization in various forms, including written, unwritten, verbal, and non-verbal as stated in 15 USC 6802.\n\nI am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \nPER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; and ( ill ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : 15 USC 6802 Opt Out ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer. in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( HAS NOT BEEN DONE ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ( HAS NOT BEEN DONE OR GIVEN THE OPPORTUNITY ) THIS UNLAWFUL BEHAVIOR HAS CAUSED SOME PAIN IN SUFFERING WHILE RUNNING MY BUSINESS AND THIS NEEDS TO STOP IMMEDIATELY. \n\nXXXX XXXX XXXX","date_sent_to_company":"2024-02-08T06:03:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"8298239","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-08T06:03:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["PER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic <em>personal</em> information <em>about</em> your <em>consumer</em> to a nonaffiliated third party ; ( ii ) That the <em>consumer</em> has the right to opt out of that disclosure ; and ( ill ) A reasonable means by which the <em>consumer</em> may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic <em>personal</em> information to a nonaffiliated third party if you : 15 USC 6802 Opt Out ( 1 ) IN GENERAL A financial institution may not disclose nonpublic"],"product":["Credit reporting or <em>other</em> <em>personal</em> <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.043313,"8298239"]},{"_index":"complaint-public-v1","_id":"8298242","_score":11.036503,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # 's XXXX and XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. \nAdditionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX. XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, TRANSUNION, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX  ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. \nI never received a 1099-C from XXXX XXXX XXXX for the cancelled debt 's of { { { {$1400.00} } & {$2400.00} } } in order to file as ordinary income. Where is my 1099-C? XXXX XXXX. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! XXXX XXXX. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX. terms and conditions they agreed not to share my information with non affiliates. XXXX, TRANSUNION, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX XXXX XXXX are not affiliates of XXXX XXXX. nor are they \" bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. \nAccording to the FCRA, I XXXX XXXX XXXX have a right to privacy Per the Privacy Act of 1974 as a Federally Protected Consumer. l am currently choosing to withdraw any and all authorization. As the Consumer, I may have provided you with authorization in various forms, including written, unwritten, verbal, and non-verbal as stated in 15 USC 6802.\n\nI am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \nPER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; and ( ill ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : 15 USC 6802 Opt Out ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer. in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( HAS NOT BEEN DONE ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ( HAS NOT BEEN DONE OR GIVEN THE OPPORTUNITY ) THIS UNLAWFUL BEHAVIOR HAS CAUSED SOME PAIN IN SUFFERING WHILE RUNNING MY BUSINESS AND THIS NEEDS TO STOP IMMEDIATELY. \n\nXXXX XXXX XXXX","date_sent_to_company":"2024-02-08T06:03:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"8298242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-08T06:03:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["PER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic <em>personal</em> information <em>about</em> your <em>consumer</em> to a nonaffiliated third party ; ( ii ) That the <em>consumer</em> has the right to opt out of that disclosure ; and ( ill ) A reasonable means by which the <em>consumer</em> may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic <em>personal</em> information to a nonaffiliated third party if you : 15 USC 6802 Opt Out ( 1 ) IN GENERAL A financial institution may not disclose nonpublic"],"product":["Credit reporting or <em>other</em> <em>personal</em> <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.036503,"8298242"]},{"_index":"complaint-public-v1","_id":"8298766","_score":11.0301285,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"AMERICAN EXPRESS, is in violation of multiple laws set forth by Congress in regards to the following account # 's XXXX and XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AMERICAN EXPRESS. ) making the report. \nAdditionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( AMERICAN EXPRESS. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, AND XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. AMERICAN EXPRESS., can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. \nI never received a 1099-C from AMERICAN EXPRESS . for the cancelled debt 's of { { { {$1400.00} } & {$2400.00} } } in order to file as ordinary income. Where is my 1099-C? AMERICAN EXPRESS. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! AMERICAN EXPRESS. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In AMERICAN EXPRESS. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, AND XXXX XXXX XXXX are not affiliates of AMERICAN EXPRESS. nor are they \" bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. \nAccording to the FCRA, I XXXX XXXX XXXX have a right to privacy Per the Privacy Act of 1974 as a Federally Protected Consumer. l am currently choosing to withdraw any and all authorization. As the Consumer, I may have provided you with authorization in various forms, including written, unwritten, verbal, and non-verbal as stated in 15 USC 6802.\n\nI am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 )\n( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.\n\nPER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; and ( ill ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : 15 USC 6802 Opt Out ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer. in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( HAS NOT BEEN DONE ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ( HAS NOT BEEN DONE OR GIVEN THE OPPORTUNITY ) THIS UNLAWFUL BEHAVIOR HAS CAUSED SOME PAIN IN SUFFERING WHILE RUNNING MY BUSINESS AND THIS NEEDS TO STOP IMMEDIATELY. \n\nXXXX XXXX XXXX","date_sent_to_company":"2024-02-08T06:03:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"8298766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-02-08T05:10:27.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["PER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic <em>personal</em> information <em>about</em> your <em>consumer</em> to a nonaffiliated third party ; ( ii ) That the <em>consumer</em> has the right to opt out of that disclosure ; and ( ill ) A reasonable means by which the <em>consumer</em> may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic <em>personal</em> information to a nonaffiliated third party if you : 15 USC 6802 Opt Out ( 1 ) IN GENERAL A financial institution may not disclose nonpublic"],"product":["Credit reporting or <em>other</em> <em>personal</em> <em>consumer</em> reports"]},"sort":[11.0301285,"8298766"]},{"_index":"complaint-public-v1","_id":"8298241","_score":11.023753,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # 's XXXX and XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. \nAdditionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX  ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, EQUIFAX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. \nI never received a 1099-C from XXXX XXXX XXXX for the cancelled debt 's of { { { {$1400.00} } & {$2400.00} } } in order to file as ordinary income. Where is my 1099-C? XXXX XXXX. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! XXXX XXXX. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, EQUIFAX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  are not affiliates of XXXX XXXX. nor are they \" bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. \nAccording to the FCRA, I XXXX XXXX XXXX have a right to privacy Per the Privacy Act of 1974 as a Federally Protected Consumer. l am currently choosing to withdraw any and all authorization. As the Consumer, I may have provided you with authorization in various forms, including written, unwritten, verbal, and non-verbal as stated in 15 USC 6802.\n\nI am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \nPER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; and ( ill ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : 15 USC 6802 Opt Out ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer. in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( HAS NOT BEEN DONE ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ( HAS NOT BEEN DONE OR GIVEN THE OPPORTUNITY ) THIS UNLAWFUL BEHAVIOR HAS CAUSED SOME PAIN IN SUFFERING WHILE RUNNING MY BUSINESS AND THIS NEEDS TO STOP IMMEDIATELY. \n\nXXXX XXXX XXXX","date_sent_to_company":"2024-02-08T06:03:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"8298241","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-08T06:03:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["PER 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic <em>personal</em> information <em>about</em> your <em>consumer</em> to a nonaffiliated third party ; ( ii ) That the <em>consumer</em> has the right to opt out of that disclosure ; and ( ill ) A reasonable means by which the <em>consumer</em> may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic <em>personal</em> information to a nonaffiliated third party if you : 15 USC 6802 Opt Out ( 1 ) IN GENERAL A financial institution may not disclose nonpublic"],"product":["Credit reporting or <em>other</em> <em>personal</em> <em>consumer</em> reports"]},"sort":[11.023753,"8298241"]},{"_index":"complaint-public-v1","_id":"17503550","_score":10.810612,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I receive a letter from cash app legal response team yesterday XX/XX/XXXX which included a threat that if I continue to send complaints to the cfpb i would be sue for breach of contract i will attached a.copy of the letter for review. I had a dispute with cash app back in XXXX of XXXX I filed a dispute which was in the amount XXXX so we are not talking pennies here. It took cash app over a year to pay the dispute probably only receive the money because cash app was ordered to redress back in XXXX by the cfpb who founded cash app to have several violations concerning the consumer protection laws such as security measures in place to prevent fraud as cash app was allowing peolple to add debit cards to their accounts not in their name more promoting fraud. I received the dispute money back but it was to late I lost my home, truck, personal items and staying a hotel for 7 days until I could find a place to live for me and my family. I have asked cash app to pay for those damages that occur in the last year as it was there wrongdoing that got me where me and ky family are at right now which we still dont have a vechile I have to bum rides everywhere from friends or neighbors my child has missed out so much and.been though so much that is not even funny and for a business to think it is ok to have a child suffer so much is beyond me Im a big girl he is a child. I will probably suffer for the rest of my life for what cash app did to me but my son doesnt deserve that I have written several reviews on XXXX  in which cash app comments please reach out to us in the app so we can give your situation the attention it deserves I do reach out and no will.help me I found this comments to be misleading and cash app is only commenting on them to make themselves look good because I have 17 reviews and Im a verified user.on trustpilot on cash app and i havent receive the help I need it instead I got a threat from cash app yesterday in a.letter that was emailed.to me. I think cash app behavior is absurd knowing you just got in trouble from the cfpb back in XXXX of this year and 10 months later you illegally threaten me like i said for months cash app got a slap on the wrist nothing has changed with cash app is the same old cash app as they were heartless and careless to their own customers. profiting billions and still treating the consumers like XXXX. Cash app can donate to the XXXX XXXX and clear debit in GA for XXXX  but when it comes for their own customers they just dont care it is all about the image at cash app. If a federal agency found you gulity so will a jury and judge i was told by a cash app customer service rep I dont have an abritration agreement because only yhe investing accounts at cash app has an abritration agreement just another way to try and intimidate to.me.from not going further with my dispute. The cfpb needs to stay on top of cash app because if I got threaten so did others and just after they were founded in several violations of the consumer protection laws nothing will stop cash app but revoke business license at this point. My family and I deserve to get back what we had and then some for all the suffering we have endure from cash app. I really dont know how cash app employees sleeps at night knowing they have cause people so much pain and suffering","date_sent_to_company":"2025-11-26T05:11:49.000Z","issue":"Confusing or missing disclosures","sub_product":"Mobile or digital wallet","zip_code":"239XX","tags":null,"has_narrative":true,"complaint_id":"17503550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-26T04:28:34.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The cfpb needs to stay on top of cash app because if I got threaten so did <em>others</em> and just after they were founded in several violations of the <em>consumer</em> protection laws nothing will stop cash app but revoke business license at this <em>point</em>. My family and I deserve to get back what we had and then some for all the suffering we have endure from cash app. I really dont know how cash app employees sleeps at night knowing they have cause people so much <em>pain</em> and suffering"]},"sort":[10.810612,"17503550"]},{"_index":"complaint-public-v1","_id":"7832721","_score":10.038077,"_source":{"product":"Mortgage","complaint_what_happened":"I've been in loss mitigation for this loan for some time. Due to a problem with IRS, I did not have the documents needed to complete the application and remained in touch with the loss mitigation team. During a recent disaster declaration on our island, XXXX XXXX  cancelled my loss mitigation process and put the loan into forclosure. \nI worked with HUD and a HUD housing counselor who got onto a conference call with the mortgagor. This was very helpful as the mortgagor has been difficult to deal with and has made statements that I know to be untrue. \nThis call was on or are XX/XX/XXXX of XXXX. There was a list of 5 documents that although each has been provided, the representative we worked with claims not to have ever received. \nThe five documents include page one and 2 of the application, a hardship letter, a letter explaining my income, one of the following 2 most recent bank statements showing self employment deposits amounts ( this is what I included ), quarterly profit/loss statement, most recent complete and signed business tax return or the same personal tax return ( this was previously provided as well as as completing and signing the form for a transcript of tax returns-personal and business tax return is the same as I file as a single member llc ). \nAll of these documents were again uploaded to the portal on or around the XXXX of XXXX. I did not \" double '' my submission that time by also emailing the documents although that became my standard practice following this communication. \nI separately sent an email requesting the pay off and recent statement be sent to me, this was printed signed and emailed as requested. \nThe payoff statement has not been received and the request ( wet signed and dated ) was again sent on XX/XX/XXXX via email and postal mail. \nXXXX XXXX continued to claim that did not have the documents in their possession. \nAgain, a call with the HUD Housing Counselor was made with the loss mitigation department. They again claimed not to have the documents. We questioned this specifically but the rep could not confirm what was uploaded or emailed. She could not follow up on previous document submissions, could only read the screen that said they weren't there. \nOn XXXX, the same documents were emailed to the loss mitigation department as instructed as well as uploading to the portal. My HUD counselor recommended reaching out to Consumer Finance Protection division as you are the correct entity to complain to-she seemed to agree that we were getting the run around. \nOn XXXX I sent a hard ship letter that was requested during the hud counselor call, it was not sent on the XXXX as it had not been created yet. This letter is the same exact information that is asked of me every single time I call in, it relates to the events and circumstances that led to the hardship. I personally feel that this practice of forcing those of us in uncertain times to revisit the pain and loss that we suffered in order to speak with the mortgage company cruel and unusual punishment. Nevertheless, the letter was written, ink signed, and dated. \nOn XXXX first, I received a call which I thought was in reference to my message following up on the pay off statement. The representative from the loss mitigation department had no information about that. I was not surprised to find they were again citing \" missing '' documents. \nNow they state that if the documents I sent were the \" two most recent bank statements with self employment income '' that I should write a letter, print it, and ink sign it, scan it back in and send to them to certify that the documents I sent were in fact the \" two most recent bank statements with self employment income ''.\n\nThe tax returns submitted and the signed release for transcript submitted months ago so they could request copies from the IRS did not seem to qualify although the requirement was for EITHER two most recent... or the complete signed and dated business/personal tax return of which they had ALL.\n\nIn other words, they are requesting additional documents of me. 2 bank statements OR 2 tax returns is the requirement-not 2 bank statements, 2 tax returns and a letter explaining why these are the documents.\n\nTo date, I am going to lose my home to forclosure because the company will neither work with me in good faith towards a loan modification nor provide the pay off so that another mortgager can take over the loan.\n\nAt this point, I can't reduce the mortgage because of the cat and mouse games with the required documents. I have another lender but can not pay it off without a pay off number.","date_sent_to_company":"2023-11-10T21:04:56.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"7832721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dovenmuehle Mortgage, Inc.","date_received":"2023-11-10T20:42:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["I personally feel that this practice of forcing those of us in uncertain times to revisit the <em>pain</em> and loss that we suffered in order to speak with the mortgage company cruel and unusual punishment. Nevertheless, the letter was written, ink signed, and dated. \nOn XXXX first, I received a call which I thought was in reference to my message following up on the pay off statement. The representative from the loss mitigation department had no information <em>about</em> that."]},"sort":[10.038077,"7832721"]},{"_index":"complaint-public-v1","_id":"10368953","_score":9.473505,"_source":{"product":"Debt collection","complaint_what_happened":"CONSIDER THIS A FORMAL COMPLAINT REGARDING THE UNAUTHORIZED SALE OF MY INFORMATION TO A THIRD PARTY BY SALLIE MAE WHICH DIRECTLY CONTRAVENES 15 USC 1666b. \n\nI am so XXXX off that I have to sit here and take time out of my day to write this complaint. I learned that Sallie Mae has given not only my personal information as well as financial information to a third party. XXXX, XXXX & XXXX continuously calls my phone, my fathers phone and his ex wife. This is absolutely ridiculous over a something that I do not owe. I am so tired of the harassment, anxiety, panic, mental anguish, and trauma to my family dynamic that this has caused. This debt has been discharged and all documents pertaining to the discharge have been requested from the original creditor they claim to be Sallie Mae. \n\nI have not had an account with Sallie Mae since XXXX and Sallie Mae along with their debt collectors continue to harass me and my loved ones. Sallie mae was given a revocation of power of attorney both verbally and in writing certified mail. Verbal revocation was given on XX/XX/XXXX as well as written notice to follow up on XXXX XXXX where they claimed there was no power of attorney on file playing stupid like they dont understand what the XXXX revocation of power of attorney means. Please see attached letter. They then proceeded to share my information with a third party who clearly doesnt understand that I know my rights and they have no business contacting me. Who gave you permission or consent to take my name and commit securities fraud along with your trash partner Sallie Mae? Where Is the proof of assignment because I did not contract with XXXX XXXX XXXX I or their kangaroo court partners XXXX, XXXX XXXX XXXX. After reading the XXXX, XXXX, and prospectus they are furnishing these applications as receivables and NOT fully disclosing that I am an investor in their company. Who gave you all consent to sell my information on the stock market and to your investors for profit? Where is my portion of the money? You all blatantly state that you are moving forward with providing great loan options to students. Only to turn around and extort them not only be selling contracts for stock market options buyers, share holders and who knows what else. I WANT THIS XXXX SHUT DOWN!!!! When was I told that I would be doing business with XXXX bank and many others?? NEVER! CUT THE GAMES Where is the contract with my wet ink signature that I requested from both parties? They keep playing XXXX and sending computer generated applications with an online signature that I do not remember signing. Where is the original application? If Sallie Mae was the servicer who is the bank that they sold the security to that they did not give full disclosure of? They have completely violated me and my trust 15USC1666b. I am completely worried and anxious about the privacy and compliance from Sallie mae. This has not only breached trust as well as FEDERAL LAW. I would also like to point out 31 USC 3718 as well as18 USC 8. Who the XXXX is obligated to pay because it XXXX sure isnt me! Which is why as mentioned in Sallie Maes validation paper work This is furnished by an open ended credit plan. Well from my understanding as used in 1666f payment by use of check, draft or negotiable which results from debiting of an open ended credit plan or a credit card holders account shall not be considered payment. This was a debit. So where the XXXX does it say pay? \n\nThey are operating as if they are not already under fire due to their extortionate, predatory and defamatory tactics proven in recent court proceedings. \n- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have also requested pertinent information from the clowns XXXX XXXX XXXX XXXX XXXX XXXX XXXX their partners and they could give me nothing but the same trash packet that Sallie mae gave. Sallie Mae kept calling and I am not sure why. What do we have to talk about? Either you can provide the information or you can't. Where is the information in writing like I requested? \n\nCould you provide me with form SSA89 that confirms you verified the social with the SSA to open an account I needed for personal family household usage?\n\nCould you provide all GLBA disclosures?\n\nCould you provide 1099c if applicable or any other tax forms filed in connection with this account? \nCould you provide the itemization date? \nCould you provide the Proof Required disclosures that were sent? \nCould you provide All account notation and call logs? \nCould you provide copies of documentation sent to the consumer and all reg F applicable disclosures?\n\nCould you provide the date of first delinquency?\n\nCould you provide what executive level officer or board member who retained you? \n\nCause who retained you? I XXXX sure did not and do not with to contract with any of you. Who gave you consent to open new accounts in my name? Where is the XXXX at because I XXXX sure did not sign or authorize for you to use any of my social information. So did you even verify who I was or you slapped my name on something knowing XXXX well I do not owe you or anyone else? Do I need to contact the Comp controller? Because you are completely committing fraud and need to not only stop harassing, calling and sending my elderly father into a frenzy. You have completely torn apart his marriage with your lies and extortionate tactics and I WILL be seeking remedy under 18usc41 and 15USC1611 if this XXXX is not fixed. I am so tired of you all ruining families and feeling like you are above the law. It is time out for the mental games and tyranny placed on the people. There has been no lawful consideration made by any of these companies. Please see Anheuser-Busch Brewing Ass'n v. Mason. Even if I did wish to contract debt collectors are not holders in due course. 1. You stated you bought it by default. Was this not properly filed as income under the US tax codes by your friends Sallie mae? Where are the 1099s to prove it was? 2. Installment sale contracts are not negotiable instruments. So again who owes you? I believe you all need to take this matter up with the bank because this is not a matter between you and I the consumer who would have only used these services for PERSONAL, FAMILY OR HOUSEHOLD USE. IN ARTICLE XXXX IT STATES THAT IS AN ASSIGNEE WHICH WE KNOW YOU TRULY ARE NOT RECEIVES AN INSTRUMENT AFTER DEFULT IT IS NOT IN GOOD FAITH. HMMMM SEEMS LIKE WE HAVE AN ISSUE HERE HUH? \n\nI AM DEMANDING REMEDY AND ONE THAT WILL ALLOW MY FAMILY AND I TO REST AND NOT BE SUSCEPTIBLE TO THE PAIN AND SUFFERING AS WELL AS EXTORTION THAT ALL THREE COMPANIES HAVE PLACED UPON US TO THE POINT THAT MY FATHER HAS LOST HIS MARRIAGE. ENOUGH IS ENOUGH. If this matter is not quickly resolved I will not only have all accounts audited by multiple sources but I will move along to the FTC, SEC and Comp troller. \n\nCFPB please investigate this matter thoroughly as it is ruining my life and mental health.","date_sent_to_company":"2024-10-08T00:51:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"46037","tags":null,"has_narrative":true,"complaint_id":"10368953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2024-10-08T00:51:57.000Z","state":"IN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["What do we have to talk <em>about</em>? Either you can provide the information or you can't. Where is the information in writing like I requested? \n\nCould you provide me with form SSA89 that confirms you verified the social with the SSA to open an account I needed for <em>personal</em> family household usage?\n\nCould you provide all GLBA disclosures?\n\nCould you provide 1099c if applicable or any <em>other</em> tax forms filed in connection with this account? \nCould you provide the itemization date?"]},"sort":[9.473505,"10368953"]},{"_index":"complaint-public-v1","_id":"10369313","_score":9.462496,"_source":{"product":"Debt collection","complaint_what_happened":"CONSIDER THIS A FORMAL COMPLAINT REGARDING THE UNAUTHORIZED SALE OF MY INFORMATION TO A THIRD PARTY BY XXXX XXXX WHICH DIRECTLY CONTRAVENES 15 USC 1666b. \n\nI am XXXX XXXX off that I have to sit here and take time out of my day to write this complaint. I learned that XXXX XXXX has given not only my personal information as well as financial information to a third party. XXXXXXXX XXXX XXXX XXXX continuously calls my phone, my fathers phone and his ex wife. This is absolutely ridiculous over a something that I do not owe. I am so tired of the harassmentXXXX XXXX panic, mental anguish, and trauma to my family dynamic that this has caused. This debt has been discharged and all documents pertaining to the discharge have been requested from the original creditor they claim to be XXXX XXXX. \n\nI have not had an account with XXXX XXXX since XXXX and XXXX XXXX along with their debt collectors continue to harass me and my loved ones. XXXX XXXX was given a revocation of power of attorney both verbally and in writing certified mail. Verbal revocation was given on XX/XX/XXXX as well as written notice to follow up on XXXX XXXX where they claimed there was no power of attorney on file playing XXXX  like they dont understand XXXX XXXX XXXX  revocation of power of attorney means. Please see attached letter. They then proceeded to share my information with a third party who clearly doesnt understand that I know my rights and they have no business contacting me. Who gave you permission or consent to take my name and commit securities fraud along with your trash partner XXXX XXXX? Where Is the proof of assignment because I did not contract with Southwood Financial trust I or their XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reading the XXXX, XXXX, and prospectus they are furnishing these applications as receivables and NOT fully disclosing that I am an XXXX  in their company. Who gave you all consent to sell my information on the stock market and to your investors for profit? Where is my portion of the money? You all blatantly state that you are moving forward with providing great loan options to XXXX Only to turn around and extort them not only be selling contracts for stock market options buyers, share holders and who knows what else. I WANT THIS XXXX XXXX XXXX When was I told that I would be doing business with XXXXXXXX XXXX and many others?? NEVER! CUT THE GAMES Where is the contract with my wet ink signature that I requested from both parties? They keep playing XXXX and sending computer generated applications with an online signature that I do not remember signing. Where is the original application? If XXXX XXXX was the servicer who is the bank that they sold the security to that they did not give full disclosure of? They have completely violated me and my trust 15USC1666b. I am completely worried and anxious about the privacy and compliance from XXXX XXXX. This has not only breached trust as well as FEDERAL LAW. I would also like to point out 31 USC 3718 as well as18 USC 8. XXXX XXXX XXXX  is obligated to pay because it XXXXXXXX XXXX isnt me! Which is why as mentioned in XXXX XXXX validation paper work This is furnished by an open ended credit plan. Well from my understanding as used in 1666f payment by use of check, draft or negotiable which results from debiting of an open ended credit plan or a credit card holders account shall not be considered payment. This was a debit. So where XXXX XXXXXXXX does it say pay? \n\nThey are operating as if they are not already under fire due to their extortionate, predatory and defamatory tactics proven in recent court proceedings. \n- https : //www.consumerfinance.gov/XXXX XXXX XXXX XXXX XXXXXXXX I have also requested pertinent information from the XXXX Southwood Financial Trust TWICE as well as their partners and they could give me nothing but the same trash packet that XXXX XXXX gave. XXXX XXXX kept calling and I am not sure why. What do we have to talk about? Either you can provide the information or you can't. Where is the information in writing like I requested? \n\nCould you provide me with form SSA89 that confirms you verified the social with the SSA to open an account I needed for personal family household usage? \nCould you provide all GLBA disclosures? \nCould you provide 1099c if applicable or any other tax forms filed in connection with this account?\n\nCould you provide the itemization date?\n\nCould you provide the Proof Required disclosures that were sent?\n\nCould you provide All account notation and call logs?\n\nCould you provide copies of documentation sent to the consumer and all reg F applicable disclosures?\n\nCould you provide the date of first delinquency? \nCould you provide what executive level officer or board member who retained you? \n\nCause who retained you? I XXXXXXXX XXXX did not and do not with to contract with any of you. Who gave you consent to open new accounts in my name? Where is the SSA89 at because I XXXXXXXX XXXX did not sign or authorize for you to use any of my social information. So did you even verify who I was or you XXXX my name on something knowing XXXX well I do not owe you or anyone else? Do I need to contact the Comp controller? Because you are completely committing fraud and need to not only stop harassing, calling and sending my XXXX  father into a frenzy. You have completely torn apart his marriage with your lies and extortionate tactics and I WILL be seeking remedy under 18usc41 and 15USC1611 if this XXXX is not fixed. I am so tired of you all ruining families and feeling like you are above the law. It is time out for the mental games and tyranny placed on the people. There has been no lawful consideration made by any of these companies. Please see XXXX XXXX XXXX XXXX XXXX. Even if I did wish to contract debt collectors are not holders in due course. 1. You stated you bought it by default. Was this not properly filed as income under the US tax codes by your friends XXXX XXXX Where are the 1099s to prove it was? 2. Installment sale contracts are not negotiable instruments. So again who owes you? I believe you all need to take this matter up with the bank because this is not a matter between you and I the consumer who would have only used these services for PERSONAL, FAMILY OR HOUSEHOLD USE. IN ARTICLE 3 IT STATES THAT IS AN ASSIGNEE WHICH WE KNOW YOU TRULY ARE NOT RECEIVES AN INSTRUMENT AFTER DEFULT IT IS NOT IN GOOD FAITH. HMMMM SEEMS LIKE WE HAVE AN ISSUE HERE HUH? \n\nI AM DEMANDING REMEDY AND ONE THAT WILL ALLOW MY FAMILY AND I TO REST AND NOT BE SUSCEPTIBLE TO THE PAIN AND SUFFERING AS WELL AS EXTORTION THAT ALL THREE COMPANIES HAVE PLACED UPON US TO THE POINT THAT MY FATHER HAS LOST HIS MARRIAGE. ENOUGH IS ENOUGH. If this matter is not quickly resolved I will not only have all accounts audited by multiple sources but I will move along to the FTC, SEC and Comp troller. \n\nCFPB please investigate this matter thoroughly as it is ruining my life and mental health.","date_sent_to_company":"2024-10-08T00:51:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"46037","tags":null,"has_narrative":true,"complaint_id":"10369313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwood Financial, LLC.","date_received":"2024-10-08T00:40:00.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["What do we have to talk <em>about</em>? Either you can provide the information or you can't. Where is the information in writing like I requested? \n\nCould you provide me with form SSA89 that confirms you verified the social with the SSA to open an account I needed for <em>personal</em> family household usage? \nCould you provide all GLBA disclosures? \nCould you provide 1099c if applicable or any <em>other</em> tax forms filed in connection with this account?\n\nCould you provide the itemization date?"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[9.462496,"10369313"]},{"_index":"complaint-public-v1","_id":"5269225","_score":9.297697,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have 1 collection account on Equifax for a medical bill for an ambulance ride after a car accident in XXXX XXXX. It's for {$290.00}. Equifax is the only credit bureau who refuses to fix this error on my report. I've been on XXXX since birth. I've had medicaid and medicare my entire life. They pay % XXXX of my hospital bills and Dr bills and % XXXX of my perscriptions. I have had a {$0.00} copay my entire life. I've been in an ambulance more than once in my life, every other ambulance bill has been paid for in full by my insurance. I have submitted dispute after dispute to Equifax to fix this situation on my credit report with no success. XXXX does not show this account as a collection on my report. I have zero accounts in collections with XXXX. I also have zero accounts in collections XXXX. Equifax is the only credit bureau that refuses to remove this incorrect collection account off my report. Is the one thing that I believe has been holding me back from being able to access any sort of relief loans or any line of credit going all the way back for the past 7 years. I have had zero credit cards and zero loan offers for years and years in a row now and when I try to apply Time After Time again the fact that I have had no credit cards or loans on my credit history ends up being a negative and ends up being one of the reasons why I continuously and being denied every single application again and again. The only thing that is showing on any of my accounts is this one collection account and it is only on Equifax. Every other category on all three credit bureau credit reports has had a big fat zero listed for years and years in a row because I can't seem to qualify for anything even when I was making more money than I am now I never qualified for anything and I believe it's because of this incorrect collection account information for this one medical bill that only Equifax can't seem to figure out and fix. I have been in need of relief assistance due to income loss because of XXXX for the past 2 years. My XXXX assistance had been cut off due to the normal XXXX reinstatement process that happens every so many years. I had the Social Security office help with my reinstatement application over the phone by a phone call appointment in XXXX of XXXX and I have been under claim status since then. They are backlogged they told me because of XXXX and that is why I haven't received my payments for over half a year now! It would have been really really nice if Equifax would have gotten this error fixed a long long time ago so that I would be able to qualify for some sort of relief assistance. I live on my own and it has been very hard for me. I believe that Equifax has not done everything they can for me like they should be doing. I have submitted a dispute just about every 3 months straight for the past two plus years going back for how many years now in a row. And nothing ever has been taken care of. Sometimes I haven't even been able to access my dispute results even though it says completed and that I have a confirmation dispute number and everything when I click on dispute results for certain past disputes for this collection account the link doesn't even work and I have never been able to see the results for a few of the times I have disputed this same collection account! Every other time the result comes back that my dispute has been denied and they continue to list this medical bill under collections in my name. Even though I have made it known to them multiple times that they are the only credit bureau who lists this collection account on my credit report, and even though it's listed as a medical bill from XXXX and I have continuously put in my dispute that I had medical insurance coverage at this time and it should have been billed properly and that this billing error was not my fault, Equifax continues to list this collections in my name. A few years ago I even called Medicare and spoke with a woman who told me to put a statement on my credit report listing that I dispute this information as inaccurate and that it was a medical bill that needed to have a billing error fixed. She actually told me how to word it and everything so that it would most accurately describe my situation and so that it would be worded the most proper way on my report under my comments section for this specific collection account. She told me how to go about reporting it to try to take care of it but it never worked out for me and I have been trying to deal with it ever since. It is very very frustrating and it is not fair that it is on one credit report but not the others but yet it's still holds me back from being able to do anything. I can't even rebuild my credit which remains extremely low no matter what I do despite of the fact that I have zero listed under every other category on all three reports and zero listed under all categories under XXXX and XXXX. Equifax has been unfairly holding me back and refusing to fix this issue. They have been holding me back from being able to receive any XXXX relief assistance by negatively impacting credit card and loan applications so that I received denials on everything year after year after year. They also incorrectly list my current address as a former address and my former address as my current address and when I try to dispute this information to update my correct address it's not even one of the options under this type of dispute. But it says in their information on the Equifax site that incorrect addresses past or current can and should be disputed in order to be fixed. Well then why is it not an option for me to say that they have my current address listed as my former address and my former address incorrectly listed as my current address? The only options they actually do have don't fit my situation. They have the option to dispute it if it is an address that belongs to someone else, or if I never lived there in the first place, they have a few other options but nothing accurately describes the fact that they have my former and my current addresses switched around but that they both are addresses that have been in my name and are in my name currently! It is very very frustrating to get the run around over and over and over again and to get nowhere with something that is extremely obvious and extremely unfair. Equifax has unfairly been holding me back from accessing any sort of credit or loan assistance relief when I need it the most! I do not understand why they are the only credit bureau who refuses to correct the inaccurate information on my report. I just don't know what else to do. This is extremely overwhelming and exhausting. I need help trying to get my credit information updated and accurately reported. I want this fixed and I want it to be over and done with. It has taken up too much of my time and has been extremely exhausting. This inaccuracy has caused excess financial stress and has caused my mental health to suffer drastically because of additional unnecessary anxieties and added stressors which has increased my mental health chemical imbalances directly causing my physical health to suffer due to increased activity with muscle spasms and uncontrollable muscle movements causing an extreme amount of unnecessary increase in my pain and my nerve activity flaring up my XXXX and my other chemical imbalance issues. This has caused me to increase my XXXX XXXXisits to help cope as well as adding new doctors and twice weekly XXXX XXXX  appointments to help with the increase in my physical health and the level of pain that has been increased because of all of the financial stressors and roadblocks that have been caused because Equifax has refused to correct these inaccuracies which has resulted in preventing qualification for me to access every single loan assistance or credit card application that I've attempted to apply for to try to get some sort of financial relief because of XXXX XXXX and my current financial situation. I am extremely frustrated at this point and I am not sure what else to do. I need help figuring this out. I'm at my XXXX 's end with this and I've about lost all hope to ever getting my credit report with Equifax updated to include all accurate information on my behalf. This is extremely unfair of Equifax to continue to put me in this predicament. Especially when they're the only credit bureau that lists this incorrect information in the first place! Someone please help me since I can't seem to get anyone at Equifax to do anything about this for me on my own! I have a current dispute in progress for this incorrect collections account but I do not believe I am going to get any different result than I have every other single dispute I have submitted about this very same incorrect collections account. I just don't understand. I'm about fed up with Equifax and their unfair treatment of my credit information. Their refusal to accurately update my information goes against what they claim they do as a company for us as consumers. I don't understand how any of this is legal for them to keep this up for this many years in a row. They should be held accountable for this and made to correct my credit report. They should not be allowed to unfairly hold me back from accessing every single type of credit and loan that could be useful in offering me any sort of financial relief. It seems like instead of working for me they have been working against me this entire time. I'm extremely upset about this unfair treatment and I want something done about it!!! I need help figuring this out since I seem to have failed for the past how many years trying to figure out how to get this resolved on my own. I just don't know what to do. Nothing I have done seems to produce any sort of results leading to correcting and accurately updating my information on my credit report with Equifax. It is totally unfair that they are the only credit bureau that refuses to resolve this inaccuracy. It should be illegal for them to do this to me and hold me back from accessing and qualifying from everything just because they simply refuse to remove this incorrect negative information on my credit report! This has been extremely unfair to me and I'm exhausted and overwhelmed over the increase in financial stress this has caused me. I'm very angry about this unfair treatment I've been receiving from Equifax this entire time. This has been extremely stressful. I'm very upset about it. I want this resolved now! What can I do to make that happen? I want my credit report fixed to show all accurate and updated information for all of my personal info and every single one of my accounts. I want this taken care of! And I want this unfair treatment stopped.","date_sent_to_company":"2022-02-28T17:25:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28025","tags":null,"has_narrative":true,"complaint_id":"5269225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-28T15:30:31.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I'm very angry <em>about</em> this unfair treatment I've been receiving from Equifax this entire time. This has been extremely stressful. I'm very upset <em>about</em> it. I want this resolved now! What can I do to make that happen? I want my credit report fixed to show all accurate and updated information for all of my <em>personal</em> info and every single one of my accounts. I want this taken care of! And I want this unfair treatment stopped."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> reports"]},"sort":[9.297697,"5269225"]},{"_index":"complaint-public-v1","_id":"5269417","_score":9.285916,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have XXXX collection account on Equifax for a medical bill for an ambulance ride after a car accident in XXXX XXXX. It's for {$290.00}. Equifax is the only credit bureau who refuses to fix this error on my report. I've been on XXXX since birth. I've had XXXX  and XXXX my entire life. They pay % XXXX of my hospital bills and Dr bills and % 100 of my perscriptions. I have had a {$0.00} copay my entire life. I've been in an ambulance more than once in my life, every other ambulance bill has been paid for in full by my insurance. I have submitted dispute after dispute to Equifax to fix this situation on my credit report with no success. XXXX does not show this account as a collection on my report. I have zero accounts in collections with XXXX. I also have zero accounts in collections XXXX. Equifax is the only credit bureau that refuses to remove this incorrect collection account off my report. Is the one thing that I believe has been holding me back from being able to access any sort of relief loans or any line of credit going all the way back for the past 7 years. I have had zero credit cards and zero loan offers for years and years in a row now and when I try to apply Time After Time again the fact that I have had no credit cards or loans on my credit history ends up being a negative and ends up being one of the reasons why I continuously and being denied every single application again and again. The only thing that is showing on any of my accounts is this one collection account and it is only on Equifax. Every other category on all three credit bureau credit reports has had a big fat zero listed for years and years in a row because I can't seem to qualify for anything even when I was making more money than I am now I never qualified for anything and I believe it's because of this incorrect collection account information for this one medical bill that only Equifax can't seem to figure out and fix. I have been in need of relief assistance due to income loss because of covid-19 for the past 2 years. My XXXX assistance had been cut off due to the normal XXXX reinstatement process that happens every so many years. I had the Social Security office help with my reinstatement application over the phone by a phone call appointment in XXXX of XXXX and I have been under claim status since then. They are backlogged they told me because of covid-19 and that is why I haven't received my payments for over half a year now! It would have been really really nice if Equifax would have gotten this error fixed a long long time ago so that I would be able to qualify for some sort of relief assistance. I live on my own and it has been very hard for me. I believe that Equifax has not done everything they can for me like they should be doing. I have submitted a dispute just about every XXXX  months straight for the past two plus years going back for how many years now in a row. And nothing ever has been taken care of. Sometimes I haven't even been able to access my dispute results even though it says completed and that I have a confirmation dispute number and everything when I click on dispute results for certain past disputes for this collection account the link doesn't even work and I have never been able to see the results for a few of the times I have disputed this same collection account! Every other time the result comes back that my dispute has been denied and they continue to list this medical bill under collections in my name. Even though I have made it known to them multiple times that they are the only credit bureau who lists this collection account on my credit report, and even though it's listed as a medical bill from XXXX and I have continuously put in my dispute that I had medical insurance coverage at this time and it should have been billed properly and that this billing error was not my fault, Equifax continues to list this collections in my name. A few years ago I even called XXXX and spoke with a woman who told me to put a statement on my credit report listing that I dispute this information as inaccurate and that it was a medical bill that needed to have a billing error fixed. She actually told me how to word it and everything so that it would most accurately describe my situation and so that it would be worded the most proper way on my report under my comments section for this specific collection account. She told me how to go about reporting it to try to take care of it but it never worked out for me and I have been trying to deal with it ever since. It is very very frustrating and it is not fair that it is on one credit report but not the others but yet it's still holds me back from being able to do anything. I can't even rebuild my credit which remains extremely low no matter what I do despite of the fact that I have zero listed under every other category on all three reports and zero listed under all categories under XXXX and XXXX. Equifax has been unfairly holding me back and refusing to fix this issue. They have been holding me back from being able to receive any covid-19 relief assistance by negatively impacting credit card and loan applications so that I received denials on everything year after year after year. They also incorrectly list my current address as a former address and my former address as my current address and when I try to dispute this information to update my correct address it's not even one of the options under this type of dispute. But it says in their information on the Equifax site that incorrect addresses past or current can and should be disputed in order to be fixed. Well then why is it not an option for me to say that they have my current address listed as my former address and my former address incorrectly listed as my current address? The only options they actually do have don't fit my situation. They have the option to dispute it if it is an address that belongs to someone else, or if I never lived there in the first place, they have a few other options but nothing accurately describes the fact that they have my former and my current addresses switched around but that they both are addresses that have been in my name and are in my name currently! It is very very frustrating to get the run around over and over and over again and to get nowhere with something that is extremely obvious and extremely unfair. Equifax has unfairly been holding me back from accessing any sort of credit or loan assistance relief when I need it the most! I do not understand why they are the only credit bureau who refuses to correct the inaccurate information on my report. I just don't know what else to do. This is extremely overwhelming and exhausting. I need help trying to get my credit information updated and accurately reported. I want this fixed and I want it to be over and done with. It has taken up too much of my time and has been extremely exhausting. This inaccuracy has caused excess financial stress and has caused my mental health to suffer drastically because of additional unnecessary anxieties and added stressors which has increased my mental health chemical imbalances directly causing my physical health to suffer due to increased activity with muscle spasms and uncontrollable muscle movements causing an extreme amount of unnecessary increase in my pain and my nerve activity flaring up my XXXX and my other chemical imbalance issues. This has caused me to increase my XXXX  visits to help cope as well as adding new doctors and twice weekly physical therapy appointments to help with the increase in my physical health and the level of pain that has been increased because of all of the financial stressors and roadblocks that have been caused because Equifax has refused to correct these inaccuracies which has resulted in preventing qualification for me to access every single loan assistance or credit card application that I've attempted to apply for to try to get some sort of financial relief because of covid 19 and my current financial situation. I am extremely frustrated at this point and I am not sure what else to do. I need help figuring this out. I'm at my Witt 's end with this and I've about lost all hope to ever getting my credit report with Equifax updated to include all accurate information on my behalf. This is extremely unfair of Equifax to continue to put me in this predicament. Especially when they're the only credit bureau that lists this incorrect information in the first place! Someone please help me since I can't seem to get anyone at Equifax to do anything about this for me on my own! I have a current dispute in progress for this incorrect collections account but I do not believe I am going to get any different result than I have every other single dispute I have submitted about this very same incorrect collections account. I just don't understand. I'm about fed up with Equifax and their unfair treatment of my credit information. Their refusal to accurately update my information goes against what they claim they do as a company for us as consumers. I don't understand how any of this is legal for them to keep this up for this many years in a row. They should be held accountable for this and made to correct my credit report. They should not be allowed to unfairly hold me back from accessing every single type of credit and loan that could be useful in offering me any sort of financial relief. It seems like instead of working for me they have been working against me this entire time. I'm extremely upset about this unfair treatment and I want something done about it!!! I need help figuring this out since I seem to have failed for the past how many years trying to figure out how to get this resolved on my own. I just don't know what to do. Nothing I have done seems to produce any sort of results leading to correcting and accurately updating my information on my credit report with Equifax. It is totally unfair that they are the only credit bureau that refuses to resolve this inaccuracy. It should be illegal for them to do this to me and hold me back from accessing and qualifying from everything just because they simply refuse to remove this incorrect negative information on my credit report! This has been extremely unfair to me and I'm exhausted and overwhelmed over the increase in financial stress this has caused me. I'm very angry about this unfair treatment I've been receiving from Equifax this entire time. This has been extremely stressful. I'm very upset about it. I want this resolved now! What can I do to make that happen? I want my credit report fixed to show all accurate and updated information for all of my personal info and every single one of my accounts. I want this taken care of! And I want this unfair treatment stopped.","date_sent_to_company":"2022-02-28T17:26:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28025","tags":null,"has_narrative":true,"complaint_id":"5269417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-28T17:26:13.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I'm very angry <em>about</em> this unfair treatment I've been receiving from Equifax this entire time. This has been extremely stressful. I'm very upset <em>about</em> it. I want this resolved now! What can I do to make that happen? I want my credit report fixed to show all accurate and updated information for all of my <em>personal</em> info and every single one of my accounts. I want this taken care of! And I want this unfair treatment stopped."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> reports"]},"sort":[9.285916,"5269417"]},{"_index":"complaint-public-v1","_id":"3377580","_score":8.64637,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Amounts of USD {$210.00} on XX/XX/XXXX and amount of USD {$280.00} on XX/XX/XXXX were wrongfully charged to my account. \n\nI filed the first fraud complaint to Bank of America ( BoA ) in XX/XX/XXXX and again repeatedly almost every month since XX/XX/XXXX through XX/XX/XXXX. \n\nI spoke with the BoA fraud department and credit card department at least once per month since XX/XX/XXXX to try and urge the bank to conduct a proper and thorough investigation. They promised me several times that they would contact the store where the card was used to make the fraudulent transactions ( the only information BoA gave to me was that the card was used in person to buy furniture from a chain department store specifically located in XXXX on a date that I was not even in that city, at a store that I had never heard of and had never stepped foot into, certainly I had never bought furniture as a I was a tourist! ). Bank of America closed my fraud case on three occasions stating that they had no proof that I had not made those payments, but without providing me any proof from their supposed 'investigation ' findings ( despite their promise to do so ). Had BoA actually taken steps to conduct a thorough investigation, they could have easily requested the security tapes from the department store which would have shown who made these payments ( since BoA did have information, they told me, that the charges were made using my card and in person at the store ). Clearly BoA did not conduct any significant investigation, else they would have information to share with me about the fraudulent activity, and they would have found evidence that could have protected me, proven that it was not me, and helped ensure my trust in the bank which I have been a loyal customer of for more than 15 years! \n\nAlso, my card was blocked by BoA and only after several months I reported the fraudulent activity many times, did I receive a replacement card in the mail, still it has not been secure for me to use my credit card, especially since BoA did not conduct a thorough investigation and did not provide me with any information about what happened nor information about how I could set up more security to protect me from any potential future fraud on my card ; and thus I have had to suffer from not having the option to use my card -very important for my security in making payments while travelling ( ATM withdraws are very dangerous in XXXX due to the high rate of ATM scams and robberies ), which is difficult as I am a tourist traveling in XXXX XXXX all these months. I asked BoA to put some extra layers of security on my credit card so that we could try and prevent future fraudulent activity but they said to me that there were no options to do so, not even placing a pin number on the card! \n\nI conducted my own research and found several potential reasons for this fraudulent activity on my credit card : ( 1 ) perhaps my card was cloned by someone unknown when I had used it at a restaurant or store to make an authentic purchase previous to the date of the fraud activity ( I hear that this has happened in XXXX ) ; ( 2 ) I had requested BoA to send me new credit and debit cards in the mail last fall previous to the incident because my cards ' chips were scratched and not able to be read in swiping for payment in card readers -BoA was supposed to send me a replacement card and I hadn't received it, so I called to complain last fall and I think what they did was maybe send another card after my complaint but in the meantime maybe the first replacement card they sent was not cancelled by BoA and then maybe arrived to some location in XXXX without my knowing. I had asked BoA to cancel their first replacement card sent, and to send me a new one with new security details ( with a new credit card number ) so that it was not a 'replacement card ' / 'copy ' but rather a new card with a new number, but I think BoA failed to make this security assurance and perhaps two cards arrived in the mail to XXXX with one being stolen by some other person.. ; ( 3 ) perhaps this was part of a larger BoA scam from within the company. Regarding this last point, I am not accusing BoA of frauding my account, but it does not rule out the possibility of this happening. I looked at the consumer complaint database on the CFPB website, using the filtration system, I searched for complaints against BoA for credit card fraud / wrongful charges on customers ' credit cards, and found about 200 of 1,384,105 reported complaints similar to mine. This said I would want CFPB to conduct an investigation to find out why so many customers of one of America 's largest and important banks all experienced the same thing? \n\nOn top of all of this, BoA made me feel like a criminal as they accused me of making the fraudulent payments when I called them on the phone on several occasions. \n\nI had to undergo extreme financial stress as I didnt have access to using my card all those months, I underwent emotional, psychological trauma and in consequence personal problems in my relationships and this also affected my ability to work. I also underwent financial and time loss as I had to call BoA and wait for hours on the phone, I was consistently disconnected and had to call again and again waiting for 40 minutes each time to reach a representative, then disconnected when transferring me to different departments.. It was a living nightmare of 8 months that I experienced because of BoA 's negligence, accusatory behavior, failure to be organized and take seriously a fraudulent case against one of its loyal customers, failure to help a customer set up security and prevent fraud. \n\nAll this while I have been in a serious semi / permanent health condition suffering serious injury to my XXXX and I told BoA on the phone each time every month that I had to wait and struggle with them, that all this stress was causing my physical condition to worsen, but they did not give me any care for my XXXX by speeding up the process or taking extra care to reduce my pain and stress. I have suffered further from my injury because of the disrespect of BoA towards me in failing to put care into my case. \n\nI first filed a complaint against BoA with CFPB in XX/XX/2019 and BoA responded to CFPB 's letter to BoA regarding my case with refunding me the money. However, this is only half justice, I suffered so much for 8 months because of BoA incompetencies and maybe corruption against its customers. I am writing to CFPB asking for help with the following : 1. please write to / contact BoA to give them the chance to do right on their wrong towards me in not providing me with information from their investigation findings that shows evidence on what exactly happened with the fraud case on my card. I was promised by BoA that they would do this and inform me of findings, but they never did so and never communicated any findings to me. They simply accused me of making those payments without any proof either way..\n\n2. I want to file a suit against BoA and know that CFPB does not provide legal advice in any way, however, I would ask CFPB if it could provide any further information about those 200 cases of consumer complaints against BoA, all of which were for wrongful charges on their cards, just like mine. I would want to know when exactly those other credit card fraud cases happened ( were they during similar times as mine -I put in a filter on timing ranging dates similar to those I experienced fraud ) ; I would also want to know more about those cases, whether they received refunds, whether the banks gave reason and proof /evidence from their investigations.. If there is just cause, I would want to file a class action suit against BoA.\n\nThank you and I appreciate your further help in ( 1 ) trying to get BoA to provide details about what happened in my fraud case, and ( 2 ) help provide me any information about the other cases of reported credit card fraud / wrongful charges on BoA customers as filed on your customer complaint database.. \n\nI hope you received this mail and would be happy to speak with you soon. Feel free to reach out to me at your soonest availability. \n\nI have all evidential documents and can provide you with anything you want upon your request. \n\nRegards XXXX XXXX XXXX XXXX currently in XXXX, number : XXXX NOTE : you are welcome to publish my description above but please do NOT publish my personal information or contact details. Thank you!","date_sent_to_company":"2019-09-17T17:59:35.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"052XX","tags":null,"has_narrative":true,"complaint_id":"3377580","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-09-17T17:01:48.000Z","state":"VT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Regarding this last <em>point</em>, I am not accusing BoA of frauding my account, but it does not rule out the possibility of this happening. I looked at the <em>consumer</em> complaint database on the CFPB website, using the filtration system, I searched for complaints against BoA for credit card fraud / wrongful charges on customers ' credit cards, and found <em>about</em> 200 of 1,384,105 reported complaints similar to mine."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[8.64637,"3377580"]},{"_index":"complaint-public-v1","_id":"2652684","_score":8.50751,"_source":{"product":"Mortgage","complaint_what_happened":"To whom it may concern, Please accept this correspondence concerning my recent experience with XXXX XXXX ( XXXX # XXXX ) representing Land Home Financial Services as a local Area Manager in XXXX, FL. I am requesting a serious investigation to be done on this transaction that essentially left me and my minor child without a roof over our head ( homeless ) while violating Florida Statutes Chapter # 501 - Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) sections .201-.213 and 95.11 ( 3 ) ( K ), Florida Statutes . Attached hereto you will find supporting documentation in form of emails ( additional text messages and emails available ) that prove that the above mentioned Land Home Financial Services ( LHFS ) representative has engaged in bait and switch, deceptive trade practices and breach of contract during this transaction that resulted in me losing my rental apartment that I was occupying and becoming homeless. I was lead to believe all along during this process that this loan will close. Also, enclosed you will find the receipts for the financial loss that I suffered due to this failed transaction. I would like to give you a description of how this transaction transpired and I am open to be contacted if any additional information or documentation is required for a full investigation to be launched. Please accept my apologies in advance for the lengthy explanation. \nBack in XX/XX/XXXX of this year I started looking on-line at different Real Estate properties. I was intending to buy a home for myself and my daughter in the near future. I came across a property on XXXX and entered my personal information which subsequently resulted in a call from a XXXX representative to further discuss my interests on that particular property. I advised the representative that I was not working with a Mortgage Broker or a Realtor at that time and she recommended XXXX XXXX with LHFS as one of their preferred lenders in the area. She stated that they have a very tight and in depth criteria when selecting a preferred broker since they recommend them to consumers. That put me at ease as I believed that I could trust their recommendation. I agreed to XXXX passing on my contact information to XXXX and shortly thereafter I received a call from him and our communication on obtaining a loan with LHFS started. On our 1st conversation we went over general and basic information needed such as income, debt, social security number, date of birth etc. and I was told that after my credit was pulled I will be in contact with him again to discuss the maximum amount on the loan approval, and some additional info if needed. Also, at that time I was told that LHFS actually offers a Government Grant Sapphire Grant that is not available to all lenders out on the market and his office is actually issuing that directly to me since I qualified for it based on my income and property value that I was looking for. I was pleasantly surprised by that because I was looking into an FHA mortgage loan and the 3 % -5 % Grant would help with down payment and closing costs. He also recommended to me a Realtor that he claimed to know for a long time and had been doing business with, XXXX XXXX. So far everything looked perfect and I was thrilled over the down payment assistance XXXX XXXX! Shortly thereafter I was copied in an email from XXXX that was addressed to XXXX and contained XXXX Pre-Approval Letters, XXXX for {$150000.00} and XXXX for {$200000.00} which explained the following : my initial pre-approval was XXXX and to go up to XXXX I was contingent to providing him with a document that the second vehicle that was showing on my credit report was not my vehicle and that I was not making the payments on it. At that point I provided XXXX with the second vehicle Sales Contract and he advised that we could start looking for properties up to XXXX or even a bit higher since we might be able to negotiate the sales price. In regards to my credit score, he advised that I was at XXXX and I needed to be at minimum XXXX or above by the time we find a property but that he was not concerned about me bringing my score up quickly because I only had XXXX credit cards that had a tad bit of higher than usual balance and I was planning to pay them off or down anyways. \nI found a suitable property located at XXXX XXXX XXXX XXXX XXXX FL, XXXX. Towards the end of XX/XX/XXXX I came across this townhouse and in working with XXXX ( Realtor ) we had a signed contract by end of the month. When the offer was placed on the property, XXXX was advised on the sales price, address and some additional info he requested about the property. At that time I was told that I NO LONGER qualify for the Sapphire Grant because this property is coming up over the maximum DTI for the grant. The asking price was {$180000.00} and we ended up in a contract for {$180000.00}. Quick reminder, I had a Pre-Approval Letter of XXXX for a property purchase. I was not told at any point in time fromXX/XX/XXXX till this property was under contract that a lot of other factors come into play that could throw your DTI off, like property taxes, HOA, Insurance etc. since they are all calculated into the monthly housing expenses. It was never mentioned that I should only look for properties up to X amount, add on the rest of the expenses, and then look at the DTI before choosing a property. As you can imagine, disappointment is an understatement at that point but I had no choice because I was already in a signed contract so I had to come up with the 3 % down payment. I was told that the rest of the closing costs will be wrapped into the loan. Bait and Switch is absolutely what this grant was to me at that point. The process to qualify for it was not properly explained and in contrary the XXXX Pre-Approval Letter does not specify anything else other then the fact that I can purchase a property for up to XXXX in value. Quite frankly, there was absolutely nothing special about me doing business with XXXX or LHFS other than this Grant that was promised to me at the beginning of our conversations since anyone within the mortgage industry can obtain an FHA loan. \nAfter the loan was submitted to the underwriting department I was contacted by XXXX and I was told that the second car loan, the one that I am not paying for and the one that I send him the Sales Contract on, will need to be refinanced out of my name. The reason for that is because it is still considered my debt since the payments on the car were not made by the new owner for at least 12 months. Quick reminder, the Sales Contract was given to XXXX in the beginning of our dealings inXX/XX/XXXX. The date on when the car was sold is recorded in the contract plus proof of payments was also given to him as well. Left with no other choice but to try to refinance the car, I tried every avenue possible to have that done and it just didnt work out. My credit cards were not an issue anymore because by then my credit cards balances were paid down and my credit score was into low XXXX. The problem was that the person that purchased the vehicle was not able to have it refinanced due to some credit issues on her end. XXXX was advised of the situation and kept informed along the way. He was also informed that I had to give my landlord 30 day notice for moving out and I knew that the rental apartment I was living it would rent quickly because of the price and location. I had multiple conversations with XXXX over this issue and even after all that, at no point in time did he advise me that this loan would not close, so the 30 day notice was given. He continued to push this through and continued to tell me, my realtor and the sellers realtor that this will be a closed deal at some point. \nWe ended up extending the contract because we could not close in time due to the fact that the second vehicle was not able to get refinanced. If XXXX would have been a knowledgeable broker he would have known from day one that 12 months of car payments is a requirement for that second vehicle not to be considered my debt. Three other lenders that I had spoken to afterwards, not including XXXX XXXX, who herself is a Branch Manager at a different LHFS location in the state of FL knew of that requirement. At that point, he advised that another option to have this loan done would be add a co-signer to the loan and I told him that the only person that I could use could be my mother. \nI told him that my mother has gotten her XXXX XXXX XXXX XXXX in XX/XX/XXXX. Also, that she was in XXXX ( my home country ) from XX/XX/XXXX until XX/XX/XXXX therefore she only has documented income in the form of a paycheck sinceXX/XX/XXXX to which XXXX responded that that will not be an issue. The issue that we were having with my mother was that she had no credit whatsoever here in the XXXX, and for that I had to add her to my credit cards as an authorized signer which I did. It took a few weeks for that to start reflecting with the credit reporting agencies but once she showed a credit score he added her to the loan, changed the FHA to a Conventional loan and we were back on track to close on this townhouse. \nThe contract got extended once again and we were working on the last conditions that came back from the underwriting department which I was told were minor and the majority were for them to meet. We were one week out from closing and XXXX left for a XXXX week vacation to XXXX leaving XXXX XXXX in charge to close my loan, along with a couple of other people in his own office. Not until XXXX got involved and spoke to the underwriting department, after all the remaining items were submitted, that I was told that this loan it will not close or better yet it shouldnt have been a loan from the beginning. Why? Because 1. I should have never been given a Pre-Approval letter for a loan considering that the second car that was under my name but for which the actual owner was making payments were not done for at least 12 months. 2. My mother would need to have 2 years of W2, 1099 or equivalent within XXXX in order for her to be added to a loan as a co-signer. \nUnfortunately, by that time I had already had to vacate the rental unit as of XX/XX/XXXX since a new tenant was coming in inXX/XX/XXXX. The seller agreed to allow me to move my 2 bedroom 2 bathroom apartment furniture and belongings into the townhouses garage because we were to close on the loan within the next few days. That was very kind of him to allow me to do that vs. moving all my stuff into a storage unit and then into the house once the loan closed. However, the scenario was not ideal because I had to throw out everything that I had in the fridge and freezer and some other food due to the fact that I was only allowed to use the garage, and I was concerned for rodents etc. \nTwo days because the closing date I was told by XXXX that this loan will not close. To make matters even worse, I was homeless with no roof over my head or my daughters which I am primary custodian for. The seller agreed to allow me to move my stuff out of the garage and into a storage unit on a Saturday so that I did not have to use another day of vacation from work. \nWe canceled the purchase contract and the seller agreed to return my escrow deposit simply because they realized that it was nothing that I had done to prevent this loan from closing, but it was actually XXXX incompetence and lies. So here I was 6 months later, working with a professional mortgage broker that has been in business for XXXX years with no place to call home, a minor child with me, all my personal and furniture in a storage unit, and living at the mercy of my friends in their house till I found another rental apartment. \nDuring this ordeal I did not receive XXXX email from XXXX while he was in XXXX, although he was very well aware that this deal fell through because he was copied in all email communications with XXXX. I reached out to LHFS corporate office in CA and I requested that an executive reach out to me, and later on I received a call from XXXX XXXX who advised that he is the VP of National Sales, and he will me handling this matter because he is part owner of the company and his interest to have it resolved. \nI provided XXXX with all the information for this transaction, and I expressed to him that I am out of pocket, at that time of probably XXXX plus, and at minimum I am looking into being compensated for that. He agreed that he will be looking into this matter further, he would discuss it with XXXX and, I agreed to forward him the invoices once I moved into a new rental apartment since I was still living with friends at that time. \nOn XX/XX/XXXX I received a phone call from XXXX and he advised that he is back in town and he is deeply sorry for what happened and for the situation, and stressed that he was sorry for what he put me and my daughter through. He also said that he has no control over what LHFS will be reimbursing me for, but for whatever money they will not, he will do it out of his personal money to make me whole. I told him, just like I told XXXX, that I will put all the invoices together and I will be forwarding that to them once I know for sure the move in situation. \nI was lucky enough to find an apartment in the same community that I lived in before, and at the same rental price, but I had to wait for the unit to be ready. OnXX/XX/XXXX I was finally able to move in after having no place to call home for XXXX days. \nAs soon as I was able to put all the invoices together I emailed XXXX and XXXX and I requested for the reimbursement check to be sent to me. I received one communication email after that from XXXX asking for us to find a time to speak to which I responded that he can reach me on my cell phone at any time. Not a word from anyone else after that! \nAs we stand right now, I am out of pocket {$2200.00} because of a FL licensed mortgage broker that has against the law used unfair and deceptive trade practices by lying to me all along and making me believe something that was completely false and misleading, lured me into doing business with his company by promising a grant that was never given to me. That is bait and switch. He also breached a verbal contract when he stated that he will repay me the financial loss that I suffered but never gave me my money back. This is without taking into account the stress, the time lost and the pain and suffering that I went through yet it appears that LHFS and XXXX believe to have absolutely no obligation towards me as a consumer. I am asking that you step in and hold LHFS and XXXX fully responsible and accountable for their actions and facilitate that I recover my financial loss at minimum. \n\nRespectfully, XXXX XXXX XXXXXXXXXXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2017-08-28T20:37:06.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"33417","tags":null,"has_narrative":true,"complaint_id":"2652684","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"LAND HOME FINANCIAL SERVICES","date_received":"2017-08-28T20:28:25.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The process to qualify for it was not properly explained and in contrary the XXXX Pre-Approval Letter does not specify anything else <em>other</em> then the fact that I can purchase a property for up to XXXX in value. Quite frankly, there was absolutely nothing special <em>about</em> me doing business with XXXX or LHFS <em>other</em> than this Grant that was promised to me at the beginning of our conversations since anyone within the mortgage industry can obtain an FHA loan."]},"sort":[8.50751,"2652684"]},{"_index":"complaint-public-v1","_id":"4447343","_score":7.6585436,"_source":{"product":"Mortgage","complaint_what_happened":"First of all, I am a 36  year veteran of the United States XXXX attempting to construct our retirement home. \n\nWe were referred to the loanDepot Mortgage Corporation seeking a 30 year VA Construction loan in XX/XX/XXXX. We spoke with the local loanDepot 's Loan Consultant ( Mr. XXXX XXXX NMLS # XXXX ) who assured us they offered a loan service and product that would cost us XXXX down payment and zero interest payments during construction period for a 30 year VA construction at 100 % financing. The mortgage would be at a fixed interest rate of 3.5 % with an underwriting and processing fee of {$890.00} that he estimated he could close within 45-60 days. \n\nGiven this, we agreed to use their services and applied for the VA construction loan with loanDepot on XXXX XX/XX/XXXX. We were asked to provide copies of the land contract on XXXX XX/XX/XXXX with a tentative closing date of XXXX XX/XX/XXXX. We were aslo asked to provide a detailed breakdown of the cost of construction from the builder, which we promptly provided on XXXX XX/XX/XXXX. As of XXXX XX/XX/XXXX, we had not yet received a mortgage approval or any loan estimates and disclosures from loanDepot. We felt this was unusual, and kept inquiring about the loan approval status update. Finally, on XXXX XX/XX/XXXX, Mr. XXXX emailed me to indicate that due to the COVID 19 pandemic and its impact on the economy, XXXX XXXX XXXX XXXX XXXX XXXX  and other lending institutions associated with them had suspended all VA construction applications and submissions at that time. At the time he indicated the lenders anticipated the suspension lasting approximately three to four weeks ( See Attached email dated XXXX XX/XX/XXXX ). At this point, we had to withdraw from the existing land contract, stop the title research, which they ordered, and notify the builder that everything was on hold pending loanDepot notification that the VA construction lending had resumed. Keeping in mind, we had yet to received a loan estimate or any disclosures on the projected loan to date. We were on hold until XXXX XX/XX/XXXX, when loanDepot contacted me to indicate that XXXX  had picked back up VA CP lending programs. After loosing the previous land contract, it took us until XXXX XX/XX/XXXX to find another lot, and we signed the contract on XXXX XX/XX/XXXX, which we uploaded a copy to loanDepot. Per coordination with loanDepot, we scheduled a closing date for XXXX XX/XX/XXXX, loanDepot had my attorney start the title research again, and they requested an updated detailed builder 's breakdown to construct of home. On XXXX XX/XX/XXXX, we finally received our first loan estimate and disclosure for loan # XXXX thanking me for the application and looking forward to working with me. The loanDepot consultant then requested a list of needed documents, which I promptly upload to the loanDepot mortgage site on XXXX XX/XX/XXXX with a follow up email to the loan consultant. We then went from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX before we got a response to numerous email follow up on the status of the VA construction loan from loanDepot ; realizing we had a closing, which they agreed on, scheduled for XXXX XX/XX/XXXX. This was really poor customer service to say the least. \nDuring this period, we received a loan estimate from loanDepot on XXXX XX/XX/XXXX and again on XXXX XX/XX/XXXX ( See Attached ). Given the fact that we were still working this VA construction loan since XXXX XX/XX/XXXX with the same attorney and builder, but were sent this very large and cumbersome XXXX builder registration packet to set the builder up as an approved VA builder, which I later found out that he had already been verified and had a VA builder number. We had an entire year to get this requirement accomplished, but they procrastinated until late in the mortgage process to request it.. This is yet another case of loanDepot 's representatives being unqualified and untrained in the timely brokerage of a VA construction loan. Not to mention, their failure to be responsive and provide timely updates on the loan processing. Needless to say, we did not meet the closing date of XXXX XX/XX/XXXX, which caused the seller to almost withdraw from the contract of the land sale. We asked him to please work with us until we could close the loan. We asked for an extension until XXXX XX/XX/XXXX, which was coordinated with the loanDepot representatives who indicated they could get it done by this time. On XXXX XX/XX/XXXX I had been unable to reach the loanDepot consultant for several days, so I wrote an email to the corporate office in hopes to get someone responsible and competent enough in the VA construction loan process to assist us with getting the loan to the closing table ( See Attached email dated XXXX XX/XX/XXXX ). At this point I had lost all trust and confidence in the loanDepot 's loan consultant to assist us with our loan. On XXXX XX/XX/XXXX, Mr. XXXX XXXX ( NMLS # XXXX ), loanDepot 's local Branch Manager and supervision of Mr. XXXX, took over the loan consulting in effort to expedite getting the loan to closing. He immediately began to work directly with me and my builder to get him registered as a VA builder for XXXX which remember, he is already registered as a VA builder with a number and builds many home for VA mortgages. loanDepot representatives also asked my builder to pay {$4000.00} to {$5000.00} for a builder 's permit prior to loan approval and closing. It was also brought to my attention they asked the builder to add {$17000.00} in the builder 's contract costs that we signed on XXXX XX/XX/XXXX without my knowledge and approval, which the builder promptly denied their request. \n\nOn XXXX XX/XX/XXXX after the builder had been registered as a VA again, loanDepot finally uploaded my 1003 mortgage loan application into the XXXX  MyLoanCenter for further processing and underwriting after 13 months and 6 days. At the same time, the seller is loosing his patience and considering walking away from the land contract that is two weeks past the extended closing date of XXXX XX/XX/XXXX. This was personally embarrassing, humiliating and questioned our word and credibility in a community in which we intend to reside. \n\nThis is where this complaint is really substantiated through loanDepot 's representatives actions, inactions, omissions, misrepresentation, misleading, deceptive lending actions and practices, failure to properly disclose critical loan costs to us, providing false and inaccurate information regarding the loan VA construction costs to us, and finally admitting that they did not understand or was knowledgeable of this loan product. Furthermore, they indicated this was the very first loan of this type that they tried to process, and they were simply not qualified to adequately process it. In fact, the loanDepot 's Branch Manager ( XXXX XXXX ) told me that if he had been involved from the beginning a year ago, he would have not accepted the loan for processing. \n\nOn XXXX XX/XX/XXXX, once the loan was uploaded to XXXX they produced a new online loan estimate and disclosures that vastly differed from any of the original loanDepot estimates ( XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX See Attached ). \n\nOne of the disclosures from XXXX  on XXXX XX/XX/XXXX was a Mortgage Broker Fee Agreement for us to agree to compensate loanDepot {$10000.00}, which the loanDepot Branch Manager, MrXXXX XXXX, acknowledged that it would be paid by us the borrowers. This was the first time we ever heard about this so called brokerage fee. \n\nI printed a copy of it in order to discuss it with loanDepot 's representatives ( See Attached ). After inquiring about this agreement, I went back to the XXXX  website to review it again, and interestingly this document was removed from the disclosures on the site. I felt that this was also very questionable, since it was the only document that was removed after I inquired about it. \n\nIn our opinion, this mortgage loan company did not earn XXXX XXXXr of compensation, given their lack of qualifications and misrepresentation, not to mention the pain, aggravation, emotional distress, and personal embarrassment they have caused to our credibility. They should be compensating us for the harm they have caused us throughout this process. \n\nThe major differences in the XXXX estimate was a XXXX XXXX {$17.00}, XXXX ) of the loan amount in points in addition to the {$890.00} from loanDepot. The original locked fixed rate of 3.5 % loanDepot promised with XXXX down was simply not true, and they would not honor it. This is a deceptive lending practice, and it should be illegal. \n\nAdditionally, because this was a jumbo VA construction loan ( {$680000.00} ), which it was from the beginning a year ago, XXXX now wanted 25 % on every dollar above the VA lending limit of {$540.00}, XXXX, which {$33000.00} above the other closing costs and above fees ( See Attached Estimate ). \n\nOur costs to close the loan went from the loanDepot estimate on XXXX XXXX XXXX {$60000.00} to the XXXX loan estimate to close on XXXX XX/XX/XXXX of {$25000.00}. \n\nOn XXXX XX/XX/XXXX, we received another XXXX loan estimate that increased our estimated closing costs from an estimated {$25000.00} to {$59000.00} on the same 30 year VA construction loan. This loan was originally offered to us by loanDepot representatives at XXXX down, at 3.5 % locked fixed rate, zero payments during the XXXX year construction period, and a one time closed mortgage. \n\nThis should be illegal, unethical, deceptive, and misleading lending practices and actions on the part of loanDepot. \n\nOn XXXX XX/XX/XXXX, I finally got an XXXX  building cost calculation from Mr. XXXX of loanDepot ( See attached ). Even on this document, he had to call XXXX to get clarification before he could explain it to me, and had to hand write in some of the calculations and additional costs that we were being informed of for the very first time during this 14 months processing time. \n\nBecause of loanDept 's unqualified representatives ; this lengthy, cumbersome, uncoordinated, deceptive, and misleading process, the cost to build our home increased from {$480000.00} on XXXX XX/XX/XXXX to {$570000.00} on XXXX XX/XX/XXXX had it closed as it was originally estimated in 45-60 days.\n\nIn fact, the loanDepot loan consultant falsely told us the lending companies suspended the VA CP lending program during the COVID 19 pandemic, but his manager later corrected that information by informing me the the VA appraisers were experiencing difficulties coordinating and conducting appraisals for draws. We required a VA appraisal for land and a construction plan, which had limited to no exposure to COVID 19. This was yet again a false and misleading statement coupled with misrepresentation of the actual facts of the matter. \n\nIn closing this complaint statement, on XXXX XX/XX/XXXX given the recent and significant financial adjustments made to our original loanDepot estimate and disclosure to the XXXX estimates and disclosures, we were left with no viable option but to withdraw our loan application. If we were provided this information by loanDepot 's representatives last year when we contacted them, we would not be in this predicament at this time. \n\nWe now may loose the land contract again that has expired, and are having to start this process over again after wasting 14 months of our time and life dealing with a company that should be band from offering this loan product to future consumers. \n\nMoreover, they should be held liable to compensate us the harm they have caused our family during this time ; to include restitution for the pain, emotional distress, mental anguish, personal embarrassment and adverse impact on our word and credibility with the seller, our attorney, the builder and the community we will be residing. \n\nThanking you in advance for your assistance in helping us address this grave injustice to us as a veteran family trying to build our retirement home. \n\nBest Regards, XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-06-17T20:55:31.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"29063","tags":"Servicemember","has_narrative":true,"complaint_id":"4447343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LD Holdings Group, LLC","date_received":"2021-06-09T12:28:09.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In our opinion, this mortgage loan company did not earn XXXX XXXXr of compensation, given their lack of qualifications and misrepresentation, not to mention the <em>pain</em>, aggravation, emotional distress, and <em>personal</em> embarrassment they have caused to our credibility. They should be compensating us for the harm they have caused us throughout this process."]},"sort":[7.6585436,"4447343"]},{"_index":"complaint-public-v1","_id":"5060440","_score":7.6218395,"_source":{"product":"Debt collection","complaint_what_happened":"Violation of my cease and desist. \n\nToday is XX/XX/XXXX. I am writing this without the assistance of any person. On XX/XX/XXXX, I submitted a complaint concerning SANTANDER CONSUMER USA ( SCUSA ). I have provided physical proof of how they have VIOLATED my RIGHTS as a consumer under the Fair Debt Collection Practices Act. 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). See CFPB complaint XXXX. Part of my remedy and claim was that SCUSA ceases and desist any further communication with me through any and all mediums. 15 USC 1692a ( 2 ). Communication includes consumer reporting agencies that I have no contract. Consumer Reporting Agencies include XXXX, XXXX, and XXXX. I am a federally protected consumer who asserted my rights under Federal Laws written by the trustees of the United States ( Congress ). \n\nI get email notifications from the USPS. On XX/XX/XXXX at XXXXXXXX XXXX, I became anxious when I saw a communication from a debt collector, SCUSA. During my 1hr commute to work, I could not get out of my mind what SCUSA or its representatives had to say to me. I got home around XXXX XXXX and finally got to check the mail, and by XXXXXXXX XXXX, I decided to call the number in the communication. I called XXXX as prescribed in the commutation, which reads, \" For any questions, or to request to remove the Cease and Desist from the account, please contact us directly at ( XXXX ) XXXX. See proof attached and labeled as, XX/XX/XXXX - SCUSA Proves Violation of XXXX XXXX XXXX. The automated system did not recognize the account number for the alleged obligation. Even after four attempts, the system said, \" I'm sorry that is still not a valid response ; this communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. Please hold while I transfer your call to a customer service agent. '' On XX/XX/XXXX, EMPLOYEE ID : XXXX- XXXX said she couldn't find me in the system because her computer froze. She found me after another attempt. She said, \" I'm going to send you over to the \" SPECIALIZED DEPARTMENT '' that would be able to assist you since I'm from customer service... I'm not able to pull up the account ; they would be able to pull up the account. '' I doubt this department 's mission is to make the consumer feel special. \n\nOn XX/XX/XXXX at about XXXXXXXX XXXX, EMPLOYEE ID : XXXX - XXXX stated that she couldn't find me in the system and had to refer me to another department. EMPLOYEE ID XXXX - XXXX from the \" SPECIALIZED, PLATINUM SERVICES, CEASE AND DESIST DEPARTMENT '' stated I do not have an account after I provided her the account number ending in XXXX. \n\nSCUSA has furnished statements and other communications to coerce me into believing I am participating in repaying an alleged obligation that is not mine. 15 U.S. Code 1692j - Furnishing certain deceptive forms. See attachments from complaint ID XXXX and attachments in this complaint labeled as XX/XX/XXXX - SCUSA Proves Violation of XXXX & XXXX. \n\nI went back to review 15 USC 1692c ( c ), ( 1 ), ( 2 ), ( 3 ). Below is the only means of communication a debt collector is supposed to have with me, as prescribed by the United States Trustee, Congress. \n\n15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. \nIf such notice from the consumer is made by mail, notification shall be complete upon receipt. \n\nBased on the dates on the face of the envelope, the communication is willful and knowing at this point. The date on the envelope reads XX/XX/XXXX FIRST CLASS MAIL. The communication within is dated XX/XX/XXXX and makes me feel oppressed. 15 U.S. Code 1692d ( 2 ). Emotional pain caused me anxiety even while writing this complaint, knowing that Federal Law is being overlooked and I am being deceived into paying on an alleged obligation. 15 U.S. Code 1692j. SCUSA sent another envelope on XX/XX/XXXX FIRST CLASS MAIL, but still, the communication inside was dated XX/XX/XXXX. So this leads me to believe the later dated communication was delayed on purpose as to try claim I have defaulted on an alleged obligation. I have still not received the accounting or balance sheet to prove I have a responsibility and that purchase money was loaned. \n\nThese letters violate everything that a cease and desist under 15 USC 1692c ( c ) prescribes.\n\nSCUSA has caused me to have headaches and stomach aches just from that thought of the illegal action of repossession by this debt collector. The communications that came after the cease and desist reads in bold type font, \" ... Santander Consumer USA Inc. will no longer be able to provide verbal notification prior to any repossession actions. '' SCUSA said, \" Remember, you are still OBLIGATED to make your contractual payments on the account. '' I called ( XXXX ) XXXX, and no account could be found using the account number SCUSA provided. I called again at XXXXXXXX XXXX on XX/XX/XXXX to confirm. \n\nTo repossess, you would first have to possess something. SANTANDER CONSUMER USA is listed as a lienholder, and I am listed as an Owner. I can not take the threat of repossession lightly for a vehicle I used for personal purposes to be taken from me. They are leaving me without a means of travel to work and the ability to pay my actual obligations, not alleged ones from a debt collector called SCUSA, with the threat of reposession. \n\nSee attached violations of the Fair Debt Collection Practices Act and the Cease and Desist SANTANDER CONSUMER USA received on XX/XX/XXXX by XXXX XXXX. Congress wrote into Federal Law, \" If such notice ( Cease and Desist ) from the consumer is made by mail, notification shall be complete upon receipt. '' 15 USC 1692c ( c ). \n\nSANTANDER CONSUMER USA has responded to me directly. It has willingly chosen to avoid a response through the Consumer Financial Protection Bureau. 15 U.S. Code 1692a ( 1 ). SCUSA received my Cease and Desist Request on XX/XX/XXXX. See proof attached as XXXX - SCUSA XXXX & XXXX. On XX/XX/XXXX SCUSA knowingly and willfully decided to communicate ( 15 U.S. Code 1692a ( 2 ) ) with me indirectly through a consumer reporting agency. 15 U.S. Code 1611 ( 3 ) - Criminal liability for the willful and knowing violation. One day after receiving my cease and desist XX/XX/XXXX.","date_sent_to_company":"2022-01-01T20:56:51.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"5060440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2022-01-01T20:29:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["I'm not able to pull up the account ; they would be able to pull up the account. '' I doubt this department 's mission is to make the <em>consumer</em> feel special. \n\nOn XX/XX/XXXX at <em>about</em> XXXXXXXX XXXX, EMPLOYEE ID : XXXX - XXXX stated that she couldn't find me in the system and had to refer me to another department."],"company":["Santander <em>Consumer</em> USA Holdings Inc."],"sub_issue":["Used obscene, profane, or <em>other</em> abusive language"]},"sort":[7.6218395,"5060440"]},{"_index":"complaint-public-v1","_id":"2781539","_score":7.398321,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Hi, I will make it very short, and that's an attorney this will be my final and first attempt to make things right and corrected should things sale and not be corrected I will have no other choice but take full legal action in federal court because I can not tolerate being the victim of the financial shenanigans. \n\nOn XX/XX/XXXX I gave a check to somebody for {$3400.00} and Santander which I had a {$25000.00} line of credit with since XXXX paid the check twice. In other words the recipient deposited a check once and my line of credit from Santander paid it twice. \n\nAs soon as I realize that I called in several times and I was promised everything will be taken care of. Of course so I would have the time and energy I will go into detail and mentioned every single phone call how I was placed on hold for hours and transfer to a million departments and was promised call backs which never happens and I have all that recorded however, I do not know if I can use those recordings therefore I am not using it and I will just have to put down my complaint the way I can best put it down in the most simplest plain English. \n\nSo after I called in hundreds of times and I was promised it will take care of I was happy and I figured it's being taken care of. Then I went and XXXX continue using my line of credit and I even did a transaction on XX/XX/XXXX for {$11000.00} and it went through, I'll tell you before why I'm mentioning this transaction. Then on XXXX to I went to banking center with a check and I want to make it clear all my payments from the day I open my account was made in a banking center with a check and that is every single payments again every single payments. And I made a payment for {$23000.00} and the little bit more than that have to don't remember the exact amount what I do remember is that my payment amount was more than my total balance it came out that I overpaid by {$20.00}. \n\nDuring all these years when I have my line of credit and I paid it off in full in a branch I never even knew there's an option nor was I ever ask what I want it was very simple, I went to the teller and I made a payment and it was paid in full and then when I use my line of credit again I paid it again in full. \n\nIt comes out to be based on the payments I made when I paid it off in full on XX/XX/XXXX that there actually is an option when you make a payment to ask the teller to apply it towards interest only or towards principal only. I never knew about that nor did not even inquire about it I just went in I asked what my full balance is and because my check was already written before and it was an overpayment I told them to just leave it as a credit on my account. \n\nAfter that I got in the mail every month or statement and my statement said that I have a {$25000.00} line of credit and I have an available credit of {$25000.00} and I have copies of all my statement so I can show it and it's very well understood I understand that I might be wrong, and I do understand that sometimes I will use all their jargons from their terms and conditions to prove me wrong however I believe that's why the Consumer Financial Protection Bureau was established.. However, when I saw that I have a lot of credit of {$25000.00} and I have available {$25000.00} and I knew clearly I have an overpayment and I had that in mind that if I ever use and when I use my line of credit again I will have a credit balance of {$20.00}. \n\nAfter as I mentioned before hundreds of phone calls and the problem with my duplicate check was not resolved, I had a lot of unfortunate life events that came up for one my XXXX XXXX XXXX and then I had a lot of other incidents that came up and I was not capable and able to be calling sometime there everyday begging them for something which they clearly proved they are unable to help me with it because if I am promised to call back I read a hundred times and they never called me back what else is there that can be done? \n\nHowever, on XX/XX/XXXX which was a few days after I wrote out a check to company for {$21000.00} I was notified by the Company that the check was returned, and they gave me a copy from their bank which indicated account Frozen. \n\nI do have to admit I am XXXX and for 13 years I am currently on 5 XXXX XXXX  and I am also on medication for XXXX I am on XXXX for XXXX I have been through XXXX for XXXX XXXX two times in the past year. Because I am XXXXr and I have terrible XXXX XXXX I am not XXXX meaning I will not be calling it back every 5 minutes like other people do until they get what they want and quite frankly if I would and if I will call every 5 minutes sometime there they will give in. However it comes to a point when my tolerance reaches about everything and I literally can not longer tolerate it anymore. \n\nWhen I was informed that a {$21000.00} check was returned from the company I gave the check to and the reason it was returned was because my account was frozen I was literally hurt and betrayed because Santander has never ever ever notified me that there's something with my account meaning that they've Frozen or anything. I would like to make it clear Santander has never ever notified me that there is an issue with my account nor did they notify me that my account is frozen nor did they notify me that it's blocked nor did they notify me of any issue. In fact I have a secret from you on the recorded phone calls which I called in on XX/XX/XXXX and I was asking XXXX phone call why it is that it's already 5 days that I am being promised everyday a call back and nobody is calling me? The representative put me on hold for an hour as usual then she came back on the phone and she told me that the department that can help me is currently closed. I asked the representative would you kindly tell me when this happened that my account got frozen and blocked? She responded one minute and then she came back to me and she told me XX/XX/XXXX. I did not say anything I hung up and I was literally in pain I can not begin to describe the pain you have from being lied to and your face and being betrayed to being taking advantage of the financial Shenanigans and to be taken advantage of these Financial corporations that have luded the corporate Treasury I created the United States to be in enormous amount of debt which can never be repaid. And the reason I was hurt is because as I mentioned before XX/XX/XXXX I did a transaction for {$11000.00} and it went through and the representative a minute ago on the phone told me that my account got closing XX/XX/XXXX. \n\nI will make a detailed list of all the problems with my account and I will leave it up as my final attempt for some time there to make it good show they fail to make it good I will go to small claims court and I will sue them for every single thing they did to me and I will end up firing my attorney XXXX XXXX XXXX from XXXX New York which of the criminal defense attorney was a track record of 38 years of not losing the taste kindly you look up my name the New York court records and you will see I have never lost a single case. \n\n1. Santander did not honor my {$21000.00} check which has caused me Financial damage and I have now this company running after me for bouncing a check on them which they are accusing me of the crime plus damages and they are giving me another 5 days to make good on it. And Santander failed or should you want to call it did not and still did not call me or notify me not in any form of communication that something is wrong with my account and my account is perhaps or indeed closed or frozen or blocked or whatever it is that it is which I at the moment do not even know. Simply because there is no one in Santander that will have the audacity to return my phone call and I can see why because they have nothing to lose but not with me. \n\n2. Santander charge me on my statement of XXXX and XXXX is {$50.00} annual see which is fraud they simply did it in order to make or gain an additional {$50.00} on speculation that I will not realize it and I have no doubt that did it hundreds or even thousands I'm all their consumers because this is what the financial industry is good at. No further explanation is needed as you can see everyday and alert from the Consumer Financial Protection Bureau that another financial institution was find with millions and millions of dollars. \n\nFurthermore, and this is my third complaint. When I signed up in the branch from a long line of credit I also have a personal account and they told me if I said off that my payment should be automatically deducted from my personal account my rate which is my interest rate will be lowered and I agree to that. However Santander 2 years ago without telling me without notifying me without any form of communication told me that there's anything wrong with my account. \nIt was on a nice sunny day that I have realized my debit card is not working, I called and sometimes they're asking why and they have told me my account is frozen I have asked them why and they told me they have to transfer me and they have to call me back and I have to go back and after I realized that the Financial games off calling back a million times and being promised to call back is beginning I immediately decided I will not eat myself off and go through aggravation I will leave whatever money I have left in the account which is {$99.00} and I will allow it to be Frozen and I immediately went to a different financial institution and opened an account and I'm very happy with them and so far no complaints and I decided to leave my Santander personal account Frozen and let them steal my hard-earned money which is still in bad Frozen account. \nAs a consequence of Santander freezing my personal account by themselves again I did not freeze it today did the consequence was that every month from that date I was charged on my statement of {$35.00} fee which on the state and said return payments although I never ever missed a payment how much every month I went into a financial institution with a check and I paid my balance and with all that said they still had the audacity to the flawed me the {$35.00} fee and I was not able to call or complain about it because I knew I will waste my time and breath and it's not in the best interest of my health to call and get aggravated when I have realized who I am dealing with. \n\n4. I was promised a better interest rate when I agreed that they will deduct my payments for my personal account, however after they froze my account which day did on purpose in order for the payments and not to go through of course my interest rate went up and I paid over {$2000.00} in interest in XXXX, and I believe I paid almost the same amount of interest in XXXX. This is by all means fraud stealing deceiving and taking advantage of the Innocents consumer which they knew I have no words no say no one to talk to and I do not have the money to hire a criminal attorney which although now I do have the money to do it due to people that I have involved and they feel bad for me, and there is a group of advocates in my community which lay out money for people enabling them to hire the best attorneys which with no doubt not only when every case but walk out with huge checks which is then deducted from the retainer and that is exactly what I will do should this complain not be resolved in the best way possible in fact better than I can imagine. So this step number for is my complaint about my interest rates with Spike because they without telling me without notifying me to sign it to close my personal account or to be exact to freeze it and the new very well what they doing. \n\n5. I called again and again and of course I have no doubt I can bet trillion dollars sometimes you will never admit it however I have a XXXX XXXX XXXX and I do not know why but the phone came by the default with a feature which records every single phone call. I have tried several times to disable it because it consumes a lot of memory and my phone slows down. I do not know if I can use these recorded phone calls should the law enforcement agencies allow me I will definitely use it to prove that I called Santander everyday I did not miss one day besides the weekend. I called every day informed them that they need to make Goods on my situation. \nI don't know how but somehow, I was lucky and representative told me that there's an issue with my account that I have a balance of {$63.00}, I instantly said how the possible I gave them the exact date which I don't have with me it was on my statement that I paid off my account not just in a full but and overpayment of {$20.00}. \nThe representative explained me that when I made the payment at the teller the teller applyed the payment only towards the balance and not towards the interest. Which is what I mentioned before I never even knew there is such a thing and when I look at my statements I actually see what the representative meant because it says applied to balance and this is another savior from the bank side because I never knew and I was never notified all these years when I went to the tailor to make a payment that there is indeed a choice. Every time and again I'm repeating every time I made a payment it was a full payment which went towards the interest and it went towards everything. Another reason why it did not appear to me that I have any balance even the so-called interest is because I received statements every month and I have a copy of them and every statement I received after XX/XX/XXXX when I paid in full my state and stated that I have a credit limit of {$25000.00} and a have a full available credit to use of {$25000.00} and common sense says that when you have your full of available credit available it is because you do not have a balance. \n\nWhen the representative told me that there is a problem they see I do have a balance on my account of course my first question and concern and complaint was how is that possible? The representative am I am listening to the recorded phone call which again I do not know how to turn that feature off which is why I am not using it I am just listening to it to remember and remind myselfrepresentative came back to me after placing me on hold and told me I myself do not understand it does not make sense to me either because I do see that you have your full available credit and it shows up on my screen that you do not have any balance. \n\nBesides all this I constantly logged into my mobile app to check if there is any activity or any XXXX over and where did not use it because I always wanted to make sure everything is okay with my financials. And it's always showed up that I have a zero balance and I have a full {$25000.00} available credit. \n\nOn XX/XX/XXXX I called in again complaining that I did not yet received a call back in regards to my check which Santander paid on XX/XX/XXXX twice and I did not receive a call back with the reason why my account is frozen and the steps that I need to take on my behalf in order the have the freeze removed. I was then told again that they see on the notes on my account that there is a special department and they dedicated representative handling this case and I should expect a call back very soon by latest tomorrow. \n\nOn XX/XX/XXXX I decided instead of calling back it is definitely that the problem is resolved and I logged into my mobile app and interesting I saw the following. It's stated I have a lot of credits all {$25000.00}, my available credit is XXXX, and then it said last payment made was XX/XX/XXXX in the amount of {$100.00}. \n\nI immediately called in asking what is going on, and I was told by a representative precisely what I anticipated since that was my usual response that they do not have access to my account and they need to transfer me to a different department and they do not know which department and they have to put me on hold and have to see what to do about it and then somebody has to reach out to me. And I decided this time I will not let myself and I was asking and asking until I was placed on hold and she came back from the phone telling me that sometimes I decided that because I did not go into a branch which I was never told I need to go in fact every time I made a payment that went into a branch which this is something completely insane they decided to close my account and {$100.00} is basically a write off which sometimes there is taking because I did not pay it.","date_sent_to_company":"2018-02-04T21:17:23.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Personal line of credit","zip_code":"07087","tags":null,"has_narrative":true,"complaint_id":"2781539","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER BANK, NATIONAL ASSOCIATION","date_received":"2018-01-14T22:25:13.000Z","state":"NJ","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":["Because I am XXXXr and I have terrible XXXX XXXX I am not XXXX meaning I will not be calling it back every 5 minutes like <em>other</em> people do until they get what they want and quite frankly if I would and if I will call every 5 minutes sometime there they will give in. However it comes to a <em>point</em> when my tolerance reaches <em>about</em> everything and I literally can not longer tolerate it anymore."],"product":["Payday loan, title loan, or <em>personal</em> loan"],"sub_product":["<em>Personal</em> line of credit"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[7.398321,"2781539"]},{"_index":"complaint-public-v1","_id":"7928575","_score":7.242016,"_source":{"product":"Credit card","complaint_what_happened":"Bank of the west took {$12000.00} from me for a secured credit card in XX/XX/2023. They also gave me a personal checking and a business checking and two savings accounts this bank merged with bank of Montreal in the beginning of XX/XX/2023 between the time of my opening the accounts and the merger my cards were stolen. My bank accounts were compromised and a lot of my money was taken. Ive provided timely complaints/claims disputes on those items and bank of the west did not process the claims correctly asked me to wait for provisional credits and while I waited, trusting that they had processed everything correctly, according to policies and procedures that they explained to me while I waited trusting them my bank accounts continually got compromised and by the time the claims were processed they were processed incorrectly and did not include everything that I had claimed this was escalated to a manager. I have proof by emails and phone calls, recorded, conversations, etc. the manager never contacted me back. The claims were miss handled. My accounts were miss handled during the merger. I had lost use of my accounts because of these issues that the bank was having there was nobody in charge. Theres nobody helping me I filed new claims which they took reluctantly, and tried to tell me that I was too late, even though the claims were already filed, I went into a bank because the credit card claims and debit card claims had me XXXX down financially and because the only claims that the bank of Montreal decided they had personnel competent to process were the credit card claims and I needed to get my credit card closed and take my money out because this was {$12000.00} they were holding of my money and then suddenly there were new policies and whether they were new or whether they were old the fact that they tried to charge me cash advance fees, and {$160.00} interest on cash advances where they were holding my {$12000.00} and only gave me {$.00} interest on that money then charged me $ XXXX on the same money thats mine, the personnel didnt know how to close the account forced me to have to keep my money in the bank and then charge me all these fees and now theyve said they process my claims and sent me all my money back which I still dont have, and that they think that theyre valid and keeping charges against me for cash advances and get an interest on cash advances is a crime. The bank has held my money XXXX and has punished me for having fraud claims and now have closed all my accounts and forced me for the checks that I do have to have to cash them at a check cashing company and pay {$2500.00} fees for cashing them because the bank said they dont have enough money to cash their own checks. My two savings accounts are missing. I have no idea what theyve done with them. They just have been missing on my app. I have no clue where they are. I dont know anything about them theyre just gone they have unprofessionally handled every account. They have double charged me on cash advance fees and interest on cash advances when they told me they were going to be credited to my account and now they sent me a letter that they sent me a {$9000.00} check which I dont have but theyre going to keep those fees which is unacceptable and proves to the consumer, financial protection bureau and the FDIC, that this financial institution and this merger between financial institutions is mishandling peoples money. This is serious. I want the government to investigate their books because they have double charged me fees after they were supposed to give me credit and I have complained several times to this financial institution that this has happened and no one has paid attention but instead they have decided to choose whatever numbers they chose to pay me back whatever members they chose to credit me and now theyre saying that they have a right to keep these in interest that they charge me and they dont they do not I dont even trust the amount of money that they have returned to me are correct until I have them audited myself, and because I have been forced into this position at this point is because of the banks mistakes, and because the bank is ignoring the fact that they even just double charged me when the person told me, she was crediting the account and they arent even paying attention to what I said instead of saying, they have rights to these fees proves clearly that they have no idea what theyre doing and you cant trust them with your money I can not trust this bank with my money whatsoever. Its a big game its like a joke its so incompetent. I cant believe it. On top of that Im being discriminated against there was no discussion about anything with my savings account. Theres no discussion about them closing my business account and there was no discussion that they werent going to issue new account numbers they just decided to have the branch issue me two cashiers checks for whatever numbers they decided they were going to give me and that the bank was not gon na cash them for me and force me to pay {$2500.00} in fees at a check cashing place. When the person in the front investigation unit told me that they were going to issue checks to me she didnt even offer the {$12000.00} that they were holding in my security count. She told me that there was a {$9000.00} approximate credit on my credit card account and that shes going to close the account and send me the {$9000.00} and then I had to ask her what about the {$12000.00} youre holding You have to give me that too and then she put me on hold and came back and told me that I could get that from the bank so she didnt even realize that that was part of it. Theres no possible way that this financial institution is taking care of peoples money correctly. I would be not surprised at all if somebody in the bank is stealing money, or that a lot of people like myself, start popping up with this financial institution Theres no reason for them to keep any more of my money. They double charged me when they said they were crediting me on fees and interest on cash advances. They forced me to have to take those cash advances then they double charged me when they said they were crediting me, and I want it all paid back to me every dime! Theres no way anyone has audited that or done anything about it they just want me to, except what theyve done they charge me XXXX for withdrawal fees. They charge me interest on my money for cash advances and refused to close the account because they said they didnt know how to but now theyve done it now that theyve been placed under review with a CFPB I think that you need to pay attention to the fact that theres no accountability to anything that this financial institution is doing theres no consistent policies theres nobody managing someone else every person doesnt know how to escalate anything I have gone through XXXX months of XXXX while the bank held my money XXXX, refused to give it back to me, and then charge me fees and enormous interest on my having to use my own money and because they didnt know how to process claims and then finally only knowing how to process Credit Card claims and not debit card claims which forced me to have to close my credit card account but they couldnt do it but then forced me to have to use whatever cash I could get out of it because they wouldnt process my other claims. This is their fault, and I want all of my money every XXXX back and I want damages, I feel like you need to have their legal department review what theyve done to my life and now forcing me to let them double charge me and give them money for fees because they made mistakes and abandoned the rules and laws and policies and procedures that are in place for a financial institution to exist and ignore the fact that I told them over and over that they just double charged me for something that their personnel said they were going to credit me and then from them to make me except the fact that they want to keep all the rest of the fees and interest and everything else that they charge me, and then force me to have to go to a check cashing company because they tell me that the branch doesnt have enough money to cash the cashiers checks that they just handed me I want all that money back. I want somebody to be accountable in this financial institution for what theyve done to me and stop trying to punish me because on top of all of that now they discriminate against me didnt talk to me at all took away my savings account and closed all my accounts and told me this is what were gon na give you, and theres no accountability for them and I want every XXXX back every single XXXX. It is easy to see how Ive been treated and punished by this bank for the banks mistakes because the bank didnt know how to take a claim correctly and because the bank wants to cause people who are victims of fraud more pain intentionally instead of helping the customer because the bank is supposed to be a trusted financial institution where people can keep their money and trust that the bank has their best interest in mind, but this bank does not care about anyone, but their own money and what they get from people they dont care how they treat people they dont care about training people, they dont care about policies and procedures, and I dont feel like this financial institution is professional whatsoever. I want all of my money back every fee every charge every interest you charge me everything that you took from me everything and for the damages you put on my life. To be accountable, but I want my money back the bank hasnt even take a notice to the fact that I keep saying when the woman said she was going to give me back {$160.00} cash advance interest and a cash advance fee because that was her limit that day she charged my account instead of crediting it thats double charging and youre not even paying attention to that point there whatsoever instead you sent me a letter that you sent me some {$9000.00} check on XX/XX/XXXX, which I dont have and that youre keeping all these fees including the double charging me fees thats unacceptable and I want my money NOW","date_sent_to_company":"2023-11-30T23:31:28.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"7928575","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2023-11-30T22:53:56.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["get from people they dont care how they treat people they dont care <em>about</em> training people, they dont care <em>about</em> policies and procedures, and I dont feel like this financial institution is professional whatsoever."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[7.242016,"7928575"]},{"_index":"complaint-public-v1","_id":"3821133","_score":7.0718026,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of Experian, XXXX, XXXX, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss. \n\nAs a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.\n\nAt all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).\n\nAt all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ).\n\nAt all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).\n\nPursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file. \nXXXX XXXX outgoing communication requesting debt validation, of a reported error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.\n\n3 ) In all past reports submitted to the Credit Reporting Agencies, via consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported. \n\n\nFirstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of XXXX, XXXX, and Experian, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give XXXX, Experian, or XXXX or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020. \nFor Experian to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new. \n\nThis complaint asserts, XXXX, Experian, or XXXX is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to XXXX, Experian, or XXXX ( hereafter the Credit Reporting Agencies ) faulty procedures, the credit worthiness is impacted.\n\nA very good parallel case of Credit Reporting Agencies faulty procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, Experian, XXXX and XXXX has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to XXXX, XXXX, and Experian, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties. \n\nI hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging \" Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate. \n\nMoreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19. \n\nThe fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices.\n\nThe Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws. \n\nWhen I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes. \n\nI hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report. \n\n1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt. \n\n2 ) XXXX XXXX 3 ) XXXX.","date_sent_to_company":"2020-08-29T07:17:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"3821133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-29T06:55:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["At all times hereto, The Credit Reporting Agencies is a person associate employed by the <em>consumer</em> reporting agencies, and <em>consumer</em> reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).\n\nAt all times pertinent hereto, I am a <em>consumer</em> as that term is defined by 15 U.S.C. 1681a ( c ).\n\nAt all times pertinent hereto, the below-mentioned credit were <em>consumer</em> reports as that term is defined by 15 U.S.C. 1681a ( d )."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[7.0718026,"3821133"]},{"_index":"complaint-public-v1","_id":"3821140","_score":7.0584106,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of XXXX, Equifax, XXXX, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss. \n\nAs a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.\n\nAt all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).\n\nAt all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ). \nAt all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).\n\nPursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file.\n\n2 ) outgoing communication requesting debt validation, of a reported  error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.\n\n3 ) In all past reports submitted to the Credit Reporting Agencies, via consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported. \n\n\nFirstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of Equifax, XXXX, and XXXX, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give Equifax, XXXX, or XXXX or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020. \nFor XXXX to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new.\n\nThis complaint asserts, Equifax, XXXX, or XXXX is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and  false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to Equifax, XXXX, or XXXX ( hereafter the Credit Reporting Agencies ) faulty  procedures, the credit worthiness is impacted.\n\nA very good parallel case of Credit Reporting Agencies faulty procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, XXXX, Equifax and XXXX has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to Equifax, XXXX, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties. \n\nI hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging \" Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate. \n\nMoreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19. \n\nThe fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices. \n\nThe Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws. \n\nWhen I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes. \n\nI hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report. \n\n1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt. \n\n2 ) XXXX XXXX 3 ) XXXX.","date_sent_to_company":"2020-08-29T07:17:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"3821140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-29T07:17:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["At all times hereto, The Credit Reporting Agencies is a person associate employed by the <em>consumer</em> reporting agencies, and <em>consumer</em> reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).\n\nAt all times pertinent hereto, I am a <em>consumer</em> as that term is defined by 15 U.S.C. 1681a ( c ). \nAt all times pertinent hereto, the below-mentioned credit were <em>consumer</em> reports as that term is defined by 15 U.S.C. 1681a ( d )."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> reports"]},"sort":[7.0584106,"3821140"]},{"_index":"complaint-public-v1","_id":"3821217","_score":7.049865,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of XXXX, XXXX, TransUnion, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss. \n\nAs a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.\n\nAt all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ). \nAt all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ).\n\nAt all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).\n\nPursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file.\n\n2 ) outgoing communication requesting debt validation, of a reported  error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.\n\n3 ) In all past reports submitted to the Credit Reporting Agencies, via  consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported. \n\n\nFirstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of XXXX, TransUnion, and XXXX, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give XXXX, XXXX, or TransUnion or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020. \nFor XXXX to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new. \n\nThis complaint asserts, XXXX, XXXX, or TransUnion is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to XXXX, XXXX, or TransUnion ( hereafter the Credit Reporting Agencies ) faulty procedures, the credit worthiness is impacted.\n\nA very good parallel case of Credit Reporting Agencies faulty  procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, XXXX, XXXX and TransUnion has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to XXXX, TransUnion, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties.\n\nI hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging \" Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate. \n\nMoreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19.\n\nThe fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices.\n\nThe Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws. \n\nWhen I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes. \n\nI hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report. \n\n1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt. \n\n2 ) XXXX XXXX 3 ) XXXX.","date_sent_to_company":"2020-08-29T07:17:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"3821217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-29T07:17:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["At all times hereto, The Credit Reporting Agencies is a person associate employed by the <em>consumer</em> reporting agencies, and <em>consumer</em> reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ). \nAt all times pertinent hereto, I am a <em>consumer</em> as that term is defined by 15 U.S.C. 1681a ( c ).\n\nAt all times pertinent hereto, the below-mentioned credit were <em>consumer</em> reports as that term is defined by 15 U.S.C. 1681a ( d )."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[7.049865,"3821217"]},{"_index":"complaint-public-v1","_id":"6714200","_score":7.029102,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XX/XX/XXXX Select Portfolio Servicing ( SPS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Loan # XXXX Atte : Customer Representative Dear Customer Representative , As per our conversation of last XXXX  XXXX XXXX, XXXX, XXXXnclosed latest appraisal of the property encumbered by the lien you service. The appraisal complies with the requisites of the Puerto Rico Board of Appraisal as with your requirement that it include comparable of similar sales in the property area This appraisal was made and paid by me in accordance to your instructions as the proper means to dispute the BPO utilized by your company to set the possible purchase price of a short sale subject to said encumbrance.\n\n-2- THE BPO VS THE APPRAISAL As you well know, the BPO or the broker price opinion is an estimated value and as such it is used to obtain an assessment of the property. BPOs are mainly done by agent or brokers. Appraisals on the other hand are made by trained experts and therefore its accuracy is much higher since certain benchmarks, such as taking in consideration comparable sales in similar properties. Educational guidelines must be met. Appraisers in the XXXX of Puerto Rico are duly licensed by the Department of State of said jurisdiction. \n\nTHE APPRAISAL The XXXX in this matter was {$250000.00}. The appraisal done valued the property at {$210000.00} ; a difference of {$40000.00}. The appraisal is enclosed. \n\nREPAIRS The property has been vacant for the last five years. Notwithstanding the appraisal price, it needs urgent repairs to maintain its habitability. The roof must be refitted as some lenders have indicate as a condition to proceed with any loan petition.\n\nWindows and bathrooms must be fixed as well as numerous other cracks throughout the property. Puerto Rico as a tropical island is subject to wetter conditions including hurricanes ( XXXX was the last XXXX last year ). As a result, the property needs constant maintenance. The last person who made an offer for the property ( offer which lacks a response from SPS ), stated that the property according to her contractor needed repairs ascending to {$48000.00}. I enclosed copy of said estimate and Therefore, I surmise that the costs of the repairs which is potential buyer must assume is another item you should consider when determining what will the short sale price would potentially be.\n\n-3- SETTING OF A PURCHASE PRICE Throughout this process SPS has never been specific what the price of the property should be. This has resulted in numerous filings of documents, especially of HUD1 document every time an offer has been made. This has resulted in an onerous process since my real estate agent as well as I must incur in expenses in professional hours and advice on how these documents must be filed. A laconic request for a counteroffer and later a possible refusal has converted this process mor akin to an auction than to a sale. We need your help in setting a minimum price that you could readily analyze. We need SPS to bet explicit and concise. \n\nBACKGROUND OF THIS MATTER On XX/XX/XXXX nd XXXX I wrote and sent a letter to you concerning the background of this transaction. For purposes of brevity and not to repeat myself I refer and quote the same, to wit : XX/XX/XXXX Re : Select Portfolio Servicing, Inc ( SPS ) Principal Loan # XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Loan # XXXX Dear Customer representatives, During the past year I have tried in numerous occasions to reach an agreement concerning the execution of a deed in lieu of the property located XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Puerto Rico . \n\nXXXX Although I had an approval from SPS to execute said deed, which was notified on XXXX, XXXX, the same was rescinded in XXXX of the same year due to the fact that an junior lien appeared from the Registry of Property in Puerto Rico which impeded the transaction to borne to fruition. \nSPS has notified to me via telephone that I have till XX/XX/XXXX to pay the property or face foreclosure proceedings. \nNotwithstanding the special circumstances of this case. I still have not received. \n\n-2- an answer to my inquiries. Therefore, please note the following : to wit, XXXX was the previous owner of the principal lien. \nXXXX once that it examined and had the pertinent documents and ascertained the death of the co-owner, approved an initial deed of lieu. \n\nXXXX appraised the property. \nXXXX on or about XX/XX/XXXX, made a final inspection of the property in order to ascertain that it was in good condition for the execution of the deed On or about XX/XX/XXXX the principal loan was sold and/or transferred to SPS. \nThe whole process of sending documents such as death certificates and the like had to be sent again to SPS. \n\n-5- SPS XXXX in XX/XX/XXXX a deed in lieu of the property subject that the title was able to be transferred. \nSPS repeatedly asked for the probate court documents concerning the decedent co-owner although it was stated to them that in Puerto Rico there is no such -3- court, and that inheritance laws and immovable property law is different from other states. Decedents death certificate was also sent to them at least 3 times. \n\nSPS indicated in XX/XX/XXXX that the deed in lieu could not be executed because there was a junior lien on the property.\n\nI called and notified XXXX of this notification and told them that I have received assurances from them, at the commencement of this issue, that both liens would be part of the deed of lieu. \n\nIn XX/XX/XXXX, I sent a letter to SPS authorizing SPS to contact SPS regarding the XXXX XXXX as I was in the impression that since XXXX had transferred the principal loan they were cognizant that there was a junior lien with the same institution. \nIt has been my impression thru my conversation with XXXX representatives that they are amenable to reach a mutually satisfactory agreement to lessen their lost. \n\nAll court proceedings regarding the decedent co-owner heirs have been made and the document will be presented in the Registry once a deed in lieu has been approved.\n\n-4 SPS has been made cognizant on numerous occasions that the heir of the decedent is a XXXX  of whom I have custody. Therefore, in this XXXX instance, to execute a deed in lieu an approval must be sought in the Superior Court of Puerto Rico authorizing this transaction. \n\nMy attorneys are awaiting my instructions to proceed with the court approval. Nevertheless, if SPS approves the deed in lieu we must know who represents its interests in Puerto Rico since the Court must ascertain that this a true offer. Court proceedings, due to the pandemic are mostly done thru teleconference. \nHome association fees will be paid in full in the event the deed in lieu is approved. \nAs you can see, this process has been riddled with confusion and I must add a certain disdain for its denouement. My real estate broker even had on TWO occasions people interested in buying the property for the appraised price, but no attention was paid to them.\n\nThe problems which have arisen are from my point of view a solvabl\ne. This case does not need to take more of everybodys time and effort.\n\n-5- Please review the same and notify me of your decision which will dictate the future steps that I need to take to protect my wards interests as well as my personal ones. \nSincerely, XXXX XXXX XXXX XXXX Three years have passed, and this case still has not been resolved.\n\n-7- THE LEGAL ACTION Notwithstanding all my efforts trying to resolve this matter, on XX/XX/XXXX XXXX, XXXX, according to the electronic case docket of the Judicial Branch of Puerto Rico , SPS initiated legal proceeding against me and my ward in the courts of the XXXX of Puerto Rico .\n\nI have had to bring to your attention earlier in the process that your legal action while at the same time negotiating with me first for a deed a-in-lieu and later for a short sale transaction while at the same time pursuing a foreclosure proceedings is not permitted by law. \nNow, once again, from the electronic docket of the case it seems that you have reinitiated the foreclosure proceedings without even having a notification from our latest offer nor waiting for the date that you requested documents and without waiting, as accorded by our call of last XX/XX/XXXX for the appraisal herein included. \nOnce again, I believe that the time is not ripe for such action, and it is to my detriment that you follow such course. \n\nPERSONAL CONSEQUENCES AND RESTATEMENT OF REQUEST The time and effort to this issue has been time consuming and costly to me especially since I only have a pension benefit and a low social security benefit. \nI have been unable to concentrate more efforts on my daughter so that she can have a fulfilling life and not be a burden to the coffers of the state of Ohio. Three years have passed, and this keeps dragging on. Also, this has not permitted me to have any closure since my partners death concerning the home we live and cherish since we live there there for more than 30 years. I have even had to seek XXXX XXXX to deal with the anguish and pain this issue brings me as the latest -8- customer representative who tended to me can attest. I am tired of writing letters and never-ending platitudes. \n\nNevertheless, I strongly dispute your XXXX, request that the selling price of the property be no higher than {$210000.00}, take notice that numerous repairs must be done and do your upmost to end this never-ending process. \n\nSincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nSPS Ombudsman Office Consumer Financial Protection Bureau Enclosures","date_sent_to_company":"2023-03-19T01:10:49.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"43220","tags":"Older American","has_narrative":true,"complaint_id":"6714200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2023-03-19T00:57:28.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nSPS Ombudsman Office <em>Consumer</em> Financial Protection Bureau Enclosures"]},"sort":[7.029102,"6714200"]},{"_index":"complaint-public-v1","_id":"13100288","_score":6.870555,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"TD BANK APPEARS TO BE IN VIOLATION OF THEIR U.S. DEPARTMENT OF JUSTICE COURT ORDERED CRIMINAL SENTENCING AGREEMENT? A TD BANK MUST READ!\n\nThis report and its attachments will detail how I have experienced first-hand that TD Bank is using a/or the like rinse and repeat cycle of illegality ( employee and/or bad actor customers fraud / scammers ) at a cost to me of theft from TD Bank in the amount of {$84000.00} ( wired from XXXX XXXX of {$21000.00} to TD Bank on XXXX XXXX, XXXX and a wire of {$62000.00} to TD Bank on XX/XX/XXXX XXXX. During my research I have uncovered evidence that strongly supports that TD Bank and its bank employees is, has and continues to allow criminals to operate within TD Bank to include what appears to be bank employees continuing to help open up accounts for malicious bad actor criminals even after TD Bank plead guilty in XXXX, and now is a convicted criminal. \n\nFurthermore, I am stunned to learn many times the banks position of court convictions and fines are coined as \" just the cost of doing business '', all of which in my case has resulted in a financial harm and emotional distress to an innocent customer who trusted the banks word that the banks services are safe and secure would be an understatement. \n\nUntil these bankers GO TO PRISON this will continue so all that read this need to help get the word out and demand justice does not stop at fines but also must include PRISON time for the convicted criminal bankers as fines obviously are not deterring the Bankers to engage in crimes. \n\nTD Banks XXXX multi-billion dollar conviction sentencing agreement/s mandates that TD Bank XXXX XXXX XXXX to commit NO FURTHER CRIMES ; ''. TD Bank should look into what that means to violate a sentencing agreement ( see link below regarding your criminal conviction ). \n\nIt would be wise to pass this complaint on to anyone in TD Bank who is responsible for compliance with the criminal case identified below and take the facts herein to return/ reimburse me in full the money stolen by you, your employees and/or your customers. \n\nI am sickened to have learned only after the fact of theft of {$84000.00} that TD Bank is a convicted criminal bank with convicted criminal employees who conspired and schemed crimes with criminals internationally for a decade and I have experienced first-hand it appears that the bank continues to allow/ support criminals in their bank to XXXX/ steal / commit fraud and scams against other innocent banking customer ( see the attached \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). \n\nKey takeaways if TD Bank fails to make me whole / return / reimburse the money stolen in the amount of {$84000.00} to me : First, understand, I am not going away until I am made whole! \n\nI will be forced to reach out to ALL authorities and attorneys involved with TD Banks criminal conviction case for help and have them look into if TD Bank is in violation of their sentencing agreement. \n\nI will seek to have the prosecution team and/or other authorities to classify these crimes as but not limited to \" Conduct beyond the offense of conviction : Actions that are part of a larger scheme or plan, even if they don't directly relate to the offense for which the defendant was convicted '' or the like or bring a new case for violation of the original case or new violations of law/s and add me to the victims and remedies list to be awarded damages, fines, fees, interest, pain and suffering and other such remedy/ies the court deems appropriate. \n\nCFPB Director XXXX XXXX sums it all up : This is about financial institutions fulfilling their basic obligations to protect customers money and help fraud victims recover their losses. \n\nU.S. House and Senate clarified that the banks are to share the liability : The U.S. Protecting Consumers from Payment Scams Act ( H.R. 9303 pdf file attached ) introduced several significant amendments to the Electronic Fund Transfer Act ( EFTA ) aimed at enhancing consumer protections and ensuring greater accountability among financial institutions to include a shared liability provision wherein the financial institution holding the consumers account and the institution receiving the fraudulent transfer with discretion to include other firms that materially help facilitate the payments to share responsibility for reimbursing the consumer to encourage all parties involved to adopt more robust fraud prevention measures. \n\nNote : See also the attached file titled \" XXXX XXXX XXXX XXXX '' ( fraud Insights report ). \n\nTD BANK has the full capability to simply follow the money trail to the next account and the next etc. to reimburse the bank 's fraud victims : Due to but not limited to TD Bank and bank employees guilty criminal convictions the bank knows first-hand they must follow the money trail to claw it back.\n\nOf Importance is that TD Bank was an active participant in the crimes and understand because of the practice where the criminal bankers/ the malicious bad actor bank customer will open an account to be used to receive money only to soon after move the majority of the ill-gotten funds out of the account to another account for obvious reasons ( i.e. bank freezing account or hold harmless recall / claw back ). This means the bank/s MUST but not limited to follow the money trail to make a victim whole. In the alternative TD bank has the option to simply reimburse me in full out of bank funds! Either way, if I am not made whole I will seek restitution through but not limited to authorities and/or the sentencing court / U.S. DOJ to include fines, penalties and other damages.\n\nTD Banks XX/XX/XXXX Shareholder meeting just publicly admitted the convicted bank criminals caused extraordinary pain, the darkest day for the bank and that they encourage accountability and to be more curious about all these issues. Can you imagine the shareholders ' response and the U.S. Governments to learn yet again crimes are being committed within the bank and possibly another case is brought against the bank or sentencing violations are uncovered? \n\nEmploying options to reimburse me identified herein or by any and all means at the banks disposal in the end is the least costly option for TD Bank as it saves the bank/s time and money as court/s, government agencies or the court of public opinion via media exposure will certainly cost the bank far more than just money as the time and attention this matter will require so many of your banks employees to answer but not limited to the courts, the agency/ies overseeing the bank is in compliance of their criminal sentencing agreements or to bring new charges, fines and cost to make victims whole to include going to the media, U.S. Senate / Congress and several additional agencies listed herein / within the court case TD Bank plead guilty to. Not to mention any employees that are found to be helping these criminals may be charged and maybe even a PRISON sentence!\n\nObviously the media will be all over this story ( to include XXXX and others who reported on the cases against XXXX XXXX and TD Bank in the past )! \n\nFurthermore, should TD Bank fail to make me whole read below of additional steps I will perform to protect my family from the harm TD Bank has caused me and/or the harm the banks customers have threaten me with by offering the details of the entirety of the my complaints/ reports which will also include the banks responses- all points to TD Bank continuing to support bad actors ( who are your bank customers ) and their international ecosystem team of bad actors will learn first-hand how TD Bank has been publicly noted as the bank of choice for criminal actors with bank employees who work with and support the criminal customers.\n\nThe nearly one million banking victims including myself are not the ones who : 1 ) pretended to vet the bad actors opening bank accounts 2 ) failed to keep criminal employees out of the banks employ 3 ) failed to implement sufficient anti-fraud measures 4 ) failed to \" Know Your Clients '' 5 ) used limited and ineffective authentication / verification requirements any or all of which resulted in the banks opening their doors and letting the criminals into the banks. But for the bank 's negligence nearly one million honest customers including myself could never have become victims of induced fraud or authorized fraud.\n\nNothing can come from fraud or theft but fraud or theft so wherever the money was moved from and then too is part of the crime money mule ecosystem and the account holder/s of the next account is part of the criminal ecosystem. \n\nXXXX XXXX just reported TD Bank will continue to be required to retain an independent monitor as part of the XXXX XXXX dollar settlement due to the bank 's failure to prevent money laundering plea ( the bank also conspired as a criminal in the crimes ) as stated by the U.S. DOJ. \n\nI am HORRIFIED to have learned after the fact that TD Bank has a CRIMINAL RECORD and by their own pleading of GUILTY has a reputation of lacking security policies allowing criminals into their bank/s as well as bank employees on the take working as criminals and supporting the criminal customers wherein the bank became a criminal themselves as evidenced in the court case TD Bank plead guilty to in late XXXX, labeled as a historic crime spanning nearly a decade. The bank is to pay nearly XXXX XXXX dollars in fines/ penalties : XXXX XXXX XXXXXXXX In the words of TD Bank 's own employees : the banks XXXX failures made it convenient for criminals.\n\nWithin the case it is basically said the banks are to be the first line of defense against crimes not to be a criminal themselves, and By making its services convenient for criminals, TD Bank became one, said Attorney General XXXX XXXX XXXX. Today, TD Bank also became the largest bank in U.S. history to plead guilty to Bank Secrecy Act program failures, and the first US bank in history to plead guilty to conspiracy to commit money laundering.TD Bank chose profits over compliance with the law And, these failures made the bank an easy target for the bad guys. These failures also allowed corrupt bank employees to facilitate a criminal And, The bank was aware of these risks and failed to take steps to protect against them, including for two networks prosecuted in New Jersey and elsewhere And, TD Bank became the bank of choice for multiple money laundering organizations and criminal actors and processed hundreds of millions of dollars in money laundering transactions. \n\nAnd, Let me be clear : our investigation continues, and no individual involved in TD Banks illegal conduct is off limits. \n\nTD Bank 's involvement in this historic money laundering scandal included several bank employees supporting the international crimes and schemes. It was found that their lack of security policies contributed to a climate as a bank of choice for but not limited to corrupt employees, criminals/ bad actors / money mules/ fraud / induced fraud / authorized fraud crimes. \n\nToday it seems TD Bank is and continues to be a known safe haven for money mules and criminals alike of which I am now another victim of TD Banks failure to be a secure bank and instead is a known bank of and for bad actors/ criminals with corrupt criminal bank employees who work with and support bad actor criminal customers. \n\nDuring my investigation into the theft of {$84000.00} by TD Banks criminal employees and/or customers I have found what appears to show that TD Bank continues to have a problem with criminals operating in their bank and/or corrupt employees helping the money mule criminals open accounts. The criminal case TD Bank plead guilty to exposes the bank has operated with criminals in a similar way, in summary : The Charges : TD Bank 's U.S. unit faced charges for failing to maintain proper anti-money laundering ( AML ) controls for nearly a decade, from XXXX to XXXX. \n\nThe Failure : Prosecuto\n\nrs stated that the bank 's \" long-term, pervasive, and systemic deficiencies '' in its AML policies allowed criminals to launder money through its branches. Examples of The Money Laundering : - One money laundering network, with the help of bribed employees, processed mo\nre than {$470.00} XXXX  through the bank through large cash deposits into nominee accounts. \n\n- Another scheme involved five bank employees who helped facilitate the transfer of {$39.00} XXXX in illicit funds to XXXX. \n\n- A third scheme involved a money laundering network with accounts for at least XXXX XXXX  companies that moved more than {$100.00} XXXX in illicit funds. \n\nTD Bank 's criminal acts and criminal employees does not stop there as recently yet another TD Bank employee, a XXXX XXXX who worked in TD Bank 's anti-money-laundering department has pleaded guilty to a felony in connection with a check-fraud scheme and took possession of customers ' personally identifiable information. \n\nXXXX XXXX Attorney XXXX XXXX stated \" This defendant brazenly exploited her position for her own personal profit, '' and he said \" We take all fraud in the banking and financial services industry extremely seriously, no matter what form it takes. \". This case against XXXX grew out of a probe focused on check fraud. \n\nI would like to ask why and how is it not required by law, policy or otherwise requiring banks to inform and warn customers of danger when a sending or receiving bank sends a wire / EFT 's / ACH money to any bank / institution that has a criminal record, criminal employees and/or a conviction of like kind instead of as it is now the bank/s carry on declaring to customers they are safe and secure?\n\nCase in point : My bank, XXXX XXXX, should have warned me prior to or at the time of any dealings with TD Bank and or any attempts to send money by any means to TD Bank should have included a full disclosure notice and warning of but not limited to the subjects and issues within this report or by any other appropriate method/s. \n\nFurthermore, XXXX XXXX 's failure to do so caused me to a financial injury in the amount of {$84000.00} as well as threats of being harmed by a convicted criminal, TD Bank and its criminal bank employees and customer/s which has caused financial and emotional distress to me and my family that will last us a lifetime.","date_sent_to_company":"2025-04-21T23:38:22.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"23456","tags":null,"has_narrative":true,"complaint_id":"13100288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-04-21T22:15:13.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["DOJ to include fines, penalties and <em>other</em> damages.\n\nTD Banks XX/XX/XXXX Shareholder meeting just publicly admitted the convicted bank criminals caused extraordinary <em>pain</em>, the darkest day for the bank and that they encourage accountability and to be more curious <em>about</em> all these issues. Can you imagine the shareholders ' response and the U.S."]},"sort":[6.870555,"13100288"]},{"_index":"complaint-public-v1","_id":"3130534","_score":5.6379604,"_source":{"product":"Checking or savings account","complaint_what_happened":"I would like for the CFPB to reopen & review all the facts and evidence in my Debit Card Dispute # XXXX from XX/XX/XXXX on file with my bank, Ally Bank. The disputes are for about 50-60 seperate online transactions totaling about {$4500.00} from XXXX XXXX / XXXX Ally Bank says that i missed the deadline by a few weeks to file these disputes to be totally covered for all of the charges totaling about {$4500.00}. I was lucky to even piece together this fraud at all.\n\nAfter 90 days of waiting XXXX only refunded me via that dispute {$200.00} from the total {$4500.00} due. XXXX was not willing to cooperate.\n\nDue to the overwhelming evidence of fraud, that timeline should be waived, I should be 100 % protected as a consumer and a Government Agency needs to step in and have the computer system just refund me my money automatically.\n\nThe CFPB needs to approve my complete chargeback and have the dispute team at Ally Bank & XXXX , Inc reverse all of the charges and refund me my {$4500.00}.\n\nAlly Bank says that its limited as to what it can do but I need the CFPB to step in here and resolve my case.\n\nXXXX should not even be allowed to have a credit card machine or bank account.\n\nI have reported this to over 15 Government Agencys Including : The XXXX XXXX XXXX : Case XXXX  The Federal Trade Commission : Case # XXXX   The California Dept of Insurance : Case # XXXX  The Florida Dept of Financial Services : Case # : SR # :XXXX Dispute with My Bank : Ally Bank , Dispute # XXXX  Also see my previous complaint to the CFPB regarding XXXX XXXX XXXX / XXXX   / XXXX XXXX XXXX XXXX which the CFPB said on XX/XX/XXXX that it has been forwarded to the FTC . * Complaint number : XXXX * Date submitted to CFPB : XX/XX/XXXX In my case with XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX my evidence & findings will show that Renters are provided with vehicles with serious defects, are not warned of potentially dangerous conditions that may exist or develop and are deprived of valuable information as to the true condition of their rental vehicles along with deceptive practices and unfair charges.\n\nXXXX XXXX / XXXX / XXXX XXXX XXXX XXXX used deception, deceptive & unfair practices, fraud, false pretense, false promise, misrepresentation & concealment as well as suppression & omission of material facts.\n\nXXXX XXXX, XXXX rented me 3 junk title, salvage, rebuilt title cars for 90 days at {$50.00} per day with full price insurance for cars that should not even be on the road as if they were new/undamaged at full price / top dollar prices. Their website says no junk title, salvage, rebuilt title cars allowed. When I brought it to their attention with proof they said I'm lying. They gave me the run around & now they even blocked my phone number from being able to call their XXXX Customer Service #. These guys did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform, they never disclosed anything to me and when confronted with this they lie and deny it all and then when I sent them the proof they totally ignore me & block my phone number. I have proof of all conversations & of all the evidence.\n\nThe full coverage they charged me for was with XXXX XXXX XXXX XXXX XXXX/ Policy # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX  XXXX XXXX Also, I have reported these guys to every agency that exists. I need help to get my money back.\n\nMy bank via dispute was unable to get me my {$4500.00} back because i missed the deadline to file a dispute by a few weeks.\n\nAfter months of giving me the run around XXXX finally wanted to arbitrate with their company XXXX / Dispute # XXXX / Arbitrator : XXXX XXXX XXXX, License # 193606, State Of California Bar I sent XXXX over 50 pages of evidence and proof that the damages I recieved were financial. After 2 weeks of wasting my time the arbitrator said that I lost the case and I dont even deserve 1 penny.\n\nNow XXXX is not honoring my request to have my decision appealed.\n\nI wrote this to XXXX  & to XXXX : It seems only right that I deserve an appeal and or an award of some sort When you step back and see the bigger picture of what is going on internally with XXXX here you start to notice a pattern.\n\nThe pattern is that XXXX is renting rebuilt, salvage, junk title cars with no disclosure on purpose to consumers as if they were undamaged at the highest possible price that you can rent a real undamaged car for per day at about {$40.00}. Plus they add {$13.00} per day of full coverage insurance for a junk car that is not even really insurable with full coverage. Their computer system must know these cars are junk but they turn a blind eye so they can make false profits.\n\nThen they sit back and wait to see who complains, they give them the run around for as long as they can, then whoever get to XXXX arbitration will never win the case or any money because XXXX has a nice scam going on here with the way they word their contracts.\n\nAnd they save all that money by just paying XXXX  a monthly retainer fee.\n\nThis is unfair and unethical behavior by a business. It really shows alot. XXXX also should not be associated with these fraudsters.\n\nI can't believe that the arbitrator did not even award me one penny. She said I failed to prove any damages. The damages were to my pocket. The damages were financial. Not to mention how they lied about everything and put me on a mission instead of giving me back a 50 % refund of {$2300.00} or so in the beginning.\n\nMy bank said if I would of disputed this in time I would of gotten back all of my {$4500.00}.\n\nSo I can't believe that the arbitrator didn't give me an award. And I am sure a jury will side with me.\n\nI will be fighting this to the end and now today i will include XXXX  as part of this full circle fraud lawsuit with XXXX. The top XXXX   bosses must know about this pattern.\n\nXXXX  and XXXX are putting people in danger and putting profits over human lives and zero regard for people financial stability or safety.\n\nThey basically sold me on a nice chocolate bar wrapped up in a bow with 24k gold paper 4 times in a row but when you start to see, taste and smell the chocolates up close and you start to decipher the recipe and ingredients and you do some research and you stumble on something then you realize that you really just ate 4 bars of dog poop. And with no warning or disclosure on the wrapper or website.\n\nRead My Entire Story Below : XXXX Rented Me 3 Salvage/Rebuilt Title Vehicles as if they were new/undamaged at full price / top dollar prices. Their website doesn't allow these damaged cars at all.\n\nThe representative said over the phone that the 3 cars seemed to fall threw the cracks and it made it onto their system 3 times in a row unchecked for salvage or rebuilt titles, where i ended renting them at top dollar prices for a junk car thats worth atleast 50 % less in value. They said that the car owner scammed them. I told them that, that is not my fault or problem. They put me in an unsafe vehicle. They never disclosed this to me and the product quality was not that of what i chose & agreed to pay for. I believe i paid off this guys junk cars with all the days that i rented it. Now he has a free car that i got ripped off on and i paid for.\n\nI rented 3 vehicles from the same owner on this platform. I rented these 3 junk cars for about 90 days in a row at {$50.00} per day for a grand total of about {$4500.00}. The rental dates were fromXX/XX/XXXX - XX/XX/XXXX.\n\nIt came to my attention on about XX/XX/XXXX that these cars all had damage. I contacted XXXX about this. The first rep said that the vehicle owner and his cars would be kicked off the platform. Then i asked for a 50 % refund for having over paid and being ripped off for a subpar product.\n\nThey said they would escalate it to the manager. The manager wrote back to me in 15 minutes and said that after careful review of the Florida DMV Database none of the cars had a rebuilt/salvage title. And he said that because of that reason my 50 % refund would be denied.\n\nI asked for proof of their findings and at the same time i did my own research and provided them with the evidence that all 3 cars were in fact rebuilt/salvage titles. They never responded to me after i sent them the proof. I then told them that they are giving me the run around and that i now want a full 100 % refund. I also tried to call them several times while i waited on hold for 15 minutes and an answering machine says to leave a message that no one will ever respond to. i finally got someone to answer on about XX/XX/XXXX and they said that the manager from the billing department knew about me and my problem and that they would be researching it. They never got back to me and no one answers the XXXX   #.\n\nThis Is The FREE FLORIDA DMV VIN # CHECK WEBSITE : XXXX XXXX XXXX These guys did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform, they never disclosed anything to me and when confronted with this they lie and deny it all and then when i sent them the proof they totally ignore me. I also had my bank helping me fight this.\n\n( Update : On XX/XX/XXXX My bank via dispute was only able to help me recover {$100.00} for 2 rental days & another {$100.00} for another 2 rental days for a total of {$200.00} for 4 rental days. Every rental day with insurance was exactly {$51.00} ) I have attached that evidence as well.\n\nMy bank was unable to help me recover anything more than the {$200.00}. I missed the deadline for the dispute protection timeline they say because I rented the cars from XX/XX/XXXX - XX/XX/XXXX but did the chargeback a bit to late towards the end of XX/XX/XXXX when I luckily found out about what XXXX did to me by putting 2 and 2 together and then I started asking XXXX questions. I feel that the dispute timeline should be waived do to the circumstances of fraud and deception that took time to unravel I have proof of all evidence and of the email conversations back and fourth between me and XXXX   which has been attached.\n\nI also believe that they still have these damaged cars on their platform and are charging people top dollar and not disclosing this information to them. I know there are more victims out there even after it has been brought to XXXX  's attention. These are unfair business practices that all of the management and employess in that business are aware of and they practice everyday. They are putting profits before peoples safety.\n\nI believe that these are grounds for a civil / class action lawsuit if they dont refund my money and stop these unfair practices. They are in the stock market under symbol : XXXX, they cant be doing this to people. They are also reporting profits earned that are based on these unfair and unsafe business practices.\n\nXXXX  has put me on a roller coaster ride back and fourth for over 5-6 months trying to recover my money and resolve this. I have wasted an extraordinary amount of time & energy doing research, making phone calls, writing emails, responding to emails, copying and pasting evidence, waiting on hold, and spending countless hours writing, documenting and reviewing all of my writings, documentation and organizing evidence, etc all due to XXXX  continuous lies and ways that they cheat & treat the consumer.\n\nI estimate that I have wasted about 75 hours of my personal time doing all of this work during this ordeal these 5-6 months. Not to mention that XXXX has dragged this on for almost 6 months for no reason when I have been trying to resolve this directly with them in good faith from the beginning.\n\nXXXX  left me out in the cold and they made me feel violated and I felt taken advantage of. I felt as if no one can hear me screaming for help. On top of everything they played games back and fourth and made me feel voiceless and helpless. They blocked my phone number from being able to call their XXXX  customer service number for help and they stopped responding to my emails. This caused me and is still causing me terrible stress.\n\nDuring this entire ordeal I have provided an overwhelming amount of evidence and proof of about 30-50 pages in length and XXXX  has just replied with 3 sentences in total.\n\nThis is what XXXX responded to the XXXX  with : Thank you for the opportunity to respond to this consumer complaint concerning the vehicles they rented on our platform.\n\nOur rentals are offered for ride-share drivers, and the reason for not allowing Salvage or Rebuilt titles on the site is due to most areas not accepting these types of vehicles for use with XXXX / XXXX.\n\nAs the vehicles are listed by the owners, not all states registrations show the salvage or rebuilt status on the documents used to verify a vehicle for the platform.\n\nAll vehicles mentioned by the consumer, including the user who listed them have been permanently removed from our site.\n\nThe price paid for these vehicles is set by the owner and the prices paid for rental of the consumers vehicles was {$30.00} - {$39.00} per day.\n\nDuring the entire duration of these rentals, the vehicles cause no issues for the consumer. We have no records of the consumer reaching out concerning these issues until after the rentals have ended.\n\nIf issues with the mechanical functionality with these rentals had occurred, then a refund would be due, however the renter kept the vehicles without incident and at this time no refund will be honored.\n\nI did NOT accept XXXX response via the XXXX XXXX XXXX Case # XXXX  and i wrote back to them explaining why below : There is NO excuse for allowing me to rent 3 seperate UNSAFE salvage / rebuilt tilte vehicles from the same person. My life was put in danger & so was the lives of my passengers. Your platform must have a robot or a human manually verify each and every vehicle that you have on your website by running the vin number on XXXX or XXXX. it costs money to do that and you guys dont want to pay for that safety check.\n\nYour response for not allowing salvage / rebuilt titles on your site is that : its due to most areas not accepting these types of vehicles for use with XXXX  / XXXX. Instead you should say that you do NOT allow salvage / rebuilt title vehicles on your site because they are unsafe pieces of junk that have been totally damaged and no one knows if someone has even died in these vehicles, these cars are worth XXXX dollars and they are ticking time bombs. I was a driver for only XXXX. I was also let down by XXXX because they didnt catch these junk cars that made it onto their system. XXXX  was the second line of defense to protect me and they also let me down.\n\nXXXX is trying to put the blame on the car owner that put his 3 junk cars on the website, but XXXX can not allow a random person to do that without fully verifying that the vehicle they have is not a junk car / death trap. They have no safety measures in place and that is totally unnaceptable. As the saying goes : \" Trust But Verify ''.\n\nXXXX  says that vehicles are listed by the car owners, and some states car registrations & documents do not show a vehicles title status when they upload a car to their platform.\n\nThat makes no sense. They have to have a way of verifying the junk that people are putting on their platform. I did the research for 3 cars and found everything out in 5 minutes by myself.\n\nNow they say that the user has been kicked out of the platform and all of his cars have been removed, but it is too late for that, he already ripped me off and stole my money. And I was the one that did all of the research and provided the evidence that got him kicked out. I did all the work.\n\nXXXX  also says that : The price paid for these vehicles is set by the owner and the prices paid for rental of the consumers vehicles was {$30.00} - {$39.00} per day. So XXXX allowed this guy to put a junk / salvage / rebuilt title car on their platform that is worth XXXX dollars or maybe {$190.00} PER MONTH at most so he can rent it to me for {$40.00} PER DAY which is equal to {$1200.00} PER MONTH.\n\nI believe that i totally paid of all of this guys junk cars, so now he has a free car that i paid top dollar for when it was worth XXXX. On top of the {$40.00} PER DAY car rental fee i had to pay {$13.00} per day for INSURANCE which is equal to {$400.00} PER MONTH for a junk car that the insurance should really be about {$75.00} PER MONTH. So in total i paid {$1600.00} per month for a car that was really worth at most in good condition about {$300.00} PER MONTH.\n\nI was scammed and overcharged by about 500 % every day / month for those cars.\n\nAll 3 rental cars did cause an issue for me. The nissans transmission broke. The XXXX  's brake system was broken and making a terrible screeching sound and the XXXX XXXX had a tire that exploded and has no spare tire, jack, or lug nut removal tool in the trunk. And all 3 cars were junk / rebuilt / salvage title.\n\nXXXX  says : During the entire duration of these rentals, the vehicles caused no issues for the consumer. We have no records of the consumer reaching out concerning these issues until after the rentals have ended. If issues with the mechanical functionality with these rentals had occurred, then a refund would be due, however the renter kept the vehicles without incident and at this time no refund will be honored.\n\nEverytime a car had a problem i would contact the car owner directly and he would say to not tell XXXX about it that he would just get me another better car. I obviously had 3 seperate mechanical problems with 3 seperate junk cars and a refund is due.\n\nAlso, I made no money buy using these junk cars for XXXX. I paid an average of {$53.00} PER DAY for the rental car with the insurance PLUS {$25.00} per day in gas that these junk cars were excessively consuming. So i paid for the car, insurance and gas daily about {$80.00}. On an average day with XXXX  i would only make $ XXXX- {$75.00} in a 8 hour - 10 hour period. I was just working to pay the car, i never made any profit from this. i lost all the way around and i want a 100 % refund. You failed to protect me as a consumer in every way possible. Financially and safety wise. Your website says NO salvage / rebuilt title cars allowed. You failed to deliver as promised for a product that was not as described on your website, aside from all the other thing you have done wrong. I also just checked the XXXX website and the guy that rented me 3 junk cars has a partner that i remembered he told me about, and that partner has a car dealer and he has a bunch of junk / salvage /rebuilt title cars on the XXXX  website right now as i type this note. Im sure that on the XXXX website today atleast 55 % of all the cars on their platform are junk / rebuilt / salvage title. XXXX  must be audited by an independent company to confirm that they are not still doing this to innocent people that work hard for their money. They are putting profits before saftey and they are playing with fire. i want 100 % of my money back. I have also been warning people on other consumer websites and all over social media, XXXX  and XXXX  and all of the car related groups.\n\nNo matter what XXXX says they need to fully verify & validate each vehicles information that a person uploads onto their platform in order to protect the consumer. If they fail to do so they need to fully compensate the person that eneded up renting these junk cars at full price. The XXXX websites says : \" No Junk, Salavage Or Rebuilt Titles Allowed '' plain and simple. They should put a Warning Sign on their website that says : \" We sometimes mess up and allow people to upload their junk, salvage, rebuilt title cars on the platform where unaware consumers pay full price and risk serious injury. '' XXXX  keeps saying that i never reported any problems that i had with each car to them. Car # 1 broke in 2 weeks because the transmission broke. So i called the owner directly and told him the car broke. He said ok no problem I will upload a new car to XXXX  and i will put you in a new car. Car # 2 also had problems with the brake system and the car owner said again ok no problem I will upload a new car to XXXX and i will put you in a new car. Then Car # 3 broke when the tire exploded and had no spare tire or tire removal tools and again he said ok no problem I will upload a new car to XXXX  and i will put you in a new car. At this time i was NOT aware that each of these 3 cars were all junk, rebuilt, salvage titles. XXXX also failed to disclose this to me each time. Obviously each car had a problem. Obivously XXXX never did any verifications on each car. XXXX  always says to contact the car owner directly when there is a problem with the car. After all XXXX says they are only a platform, so what can they do for me if a car breaks? Nothing. The car owner said he has 10 cars i can choose from, so that was the fastest solution for me. The next step & the first step should have been for them to tell the car owner : \" sorry we cant accept your cars on our platform due to the invalid title that came up on our inspection ''.\n\nFor Car # 3 The XXXX XXXX On XX/XX/XXXX I Contacted the XXXX Claims Department because a person very lightly hit the mirror of the car i was driving. I got a police report from the Florida Highway Patrol ( Crash # XXXX  ) for the incident that happened XX/XX/XXXX. The estimated amount of damage was around {$100.00}. I also notified the car owner at the same time so he can contact XXXX and so he can work it out with the driver at fault and their insurance. He was going to pay for the replacement top cover of the drivers side mirror. That was the only cosmetic damage & it did not require a stay at the body shop. The mirror top was going to be painted and then installed. It took about 4 days from XX/XX/XXXX -XX/XX/XXXX for me to hear from the car owner because he said he was out of the country on vacation. The car owner was unavailable and was on vacation out of the country almost every weekend.\n\nAt this point and time during the Claims Process, the XXXX  claims department blocked me as a driver while they investigated everything on their end for this incident they said. After 2 or 3 days of me being blocked from renting, XXXX reinstated my ability to re rent the same vehicle, Car # 3 after everything was squared away with the other drivers insurance and the car owner and XXXX all at the same time.\n\nDURING THIS CLAIMS INVESTIGATION AROUND XX/XX/XXXX NO ONE FROM XXXX CHECKED OR FLAGGED THE VEHICLE FOR HAVING A REBUILT, SALVAGE, JUNK TITLE. THEY JUST LET ME RE RENT IT AGAIN. ONCE AGAIN THEY FAILED TO PROTECT ME.\n\nAlso, for Car # 3 The XXXX XXXX on about XX/XX/XXXX I did a chargeback request to my bank for {$51.00} for the day of XX/XX/XXXX because the car tire exploded while i was driving. The car had no spare tire in the trunk, no lug nut removal tool and no car jack to lift the car. It took me about 4 hours to resolve this tire problem on my own. I had been asking the car owner for several weeks before the tire blew up when was he going to buy new tires because they were looking bald and he would just delay and stall me for time with excuses.\n\nI lost this dispute on XX/XX/XXXX for {$51.00} ( Ally Bank Dispute # XXXXXXXX XXXX XXXX ) because i failed to properly fill out all the forms my bank requested on time because i was just too busy with alot of things going on at once. I felt that i should have recieved this credit for the mission i was put on. I had to push the car by myself on a saturday night as the sun was setting all by myself.\n\nBasically that same day the tire blew up I decided to no longer deal with XXXX  or the car or the car owner. I could no longer concentrate, focus or trust the vehicles that I had been given. I did not feel safe on the road anymore. I lost all faith and felt unsafe and unsure of using these cars that i was being given. I kept feeling worried and afraid that i would break down again in the middle of no where at night all by myself. I emailed XXXX  and the car owner that I would no longer be renting the vehicle and I instructed the car owner to pick up the car at my house. It took him about 4 days to pick up the car because he was out of the country on vacation once again.\n\nXXXX seems to not care or not understand that i did everything correct as a consumer. I followed all of the rules and i played fair. I was the one scammed here.\n\nXXXX also said that they immediately kicked out the car owner and his cars from the site once they were alerted. Yea, i was the one that had to investigate everything by myself and i am the one who brought this to XXXX attention after they first said that they did a full review and said that all the cars titles were good. I then showed them proof that each car was a junk title. Its incredible how i am the one being scammed here and i have had to do all of the work and show all of the proof that XXXX  never did. Its like if i am doing a better job then everyone that works at XXXX.\n\nI am the one that got scammed, i am the one that figured this whole mess out, I am the one having to provide proof of everything while XXXX wants to sit back and put the blame on me and say that i did not do things correctly.\n\nThey want to deny my refund because they say : \" The consumer claims to have been put in danger, however they chose to continue with the rental, and continue making extensions with the rental. '' Well if i would have known that each car was a junk car i would of never of rented it or used it.\n\nXXXX XXXX says that i should of done this or done that, but they did zero to protect me.\n\nI called XXXX on XX/XX/XXXX to speak to a manager about my case. They told me on XX/XX/XXXX that a manager would call me back on XX/XX/XXXX. Mid day on XX/XX/XXXX XXXX still had not called me back, so i called them, the customer service rep said hold on one second while i find a manager, 2 minutes later the rep hung up on me, i called back the XXXX number and they have blocked my phone number from being able to call their XXXX  number for customer service.\n\nThis company is up to no good. Mid XXXX of XX/XX/XXXX I tried to contact at XXXX : XXXX XXXX. Phone : XXXX to let him know about my case. i got this number from the XXXX report. I called the # and this number i am still able to reach but it is just a recording that goes to an answering machine that no one answers or responds to. I will keep the XXXX updated on if they block me from this # as well.\n\nI have attached a snap shot of the video & The Video Link to watch the video that shows and plays the recording of me calling the XXXX  XXXX  customer service number on XX/XX/XXXX at XXXX and it says that I am still blocked from being able to call them and then it hangs up on me.\n\nWatch The Video of this on XXXX  : XXXX XXXX XXXX I also ask that XXXX provide & release evidence of all phone records & logs, email communications and recorded phone conversations regarding my account from every single conversation they have had with me. You will hear in these phone conversations the frustration & pain in my voice and the feeling of overwhelming confusion and mental & emotional abuse that I endured while everyone at XXXX played games with me, gave me the wrong information and did sneaky things & lied every single time to try to get rid of me and at the same time try to sweep everything under the rug. All of this abuse took place while I was genuinely trying to resolve everything in good faith with them.\n\nI have heard 5 different reasons & have as evidence & it is documented from 5 different people at XXXX  as to why they did not want to honor my refund, while at the same time no one addressed my concerns.\n\nI have also contacted and reporting eveything that XXXX  has been doing to the SEC ( U.S. Securities & Exchange Commission ) online via the investor compalint form. CASE NUMBER : XXXX.   Their stock symbol is XXXX. i feel that their stockholders and board members and others would like to know that XXXX daily profits involve lying to consumers and the rental of illegal unsafe vehicles to the public with no disclosure.\n\nI RETURNED THE LAST RENTAL ON XX/XX/XXXX. I LET XXXX KNOW ABOUT THESE JUNK, SALVAGE, REBUILT TITLE CARS ON 8/21/18 IMMEDIATELY AFTER I FOUND OUT ABOUT ALL OF THIS BY LUCK WHEN I WAS LOOKING AROUND THE XXXX   WEBSITE ONXX/XX/XXXX BECAUSE I WAS INTERESTED IN BUYING A CAR AND PUTTING IT FOR RENT ON THE XXXX  WEBSITE PLATFORM SO OTHERS COULD RENT IT FROM ME.\n\nI THEN WENT TO THEIR CAR INSURANCE & REGISTRATION SECTION TO READ MORE DETAILS & I SAW IT SAID : \" NO REBUILT OR SALVAGE TITLES ALLOWED ON XXXX. I THEN WENT TO THE TAB FOR MY PAST CAR RENTALS AND I WAS LOOKING AT THE YEAR, MAKES AND MODELS OF THE CARS I HAD RENTED.\n\nI THEN SAW THE VIN NUMBERS & SOMETHING INSIDE ME TOLD ME TO XXXX : HOW TO CHECK A CAR VIN NUMBER FOR FREE ONLINE & THE FLORIDA DEPARTMENT OF MOTOR VEHICLES, VEHICLE INFORMATION CHECK WEBSITE CAME UP.\n\nI ENTERED THE VIN NUMBER FOR 1 CAR IN THE SYSTEM AND I COULD NOT BELIEVE WHAT IT SAID : \" REBUILT/SALVAGE TITLE ''.\n\nMY FACE TURNED RED AND I COULDNT BELIEVE IT. I THEN ENTERED THE OTHER 2 VIN NUMBERS AND THEY WERE ALL THE SAME JUNK AS WELL.\n\nI WAS VERY UPSET & I IMMEDIATLEY CALLED XXXX & EMAILED THEM WITH MY FINDINGS AND THATS WHEN THIS WHOLE PROCESS BEGAN ON XX/XX/XXXX OF XXXX LYING TO ME AND GIVING ME THE RUN AROUND AND MISDIRECTING ME, ETC.\n\nXXXX is complaining that i took about 50 days after i returned the last vehicle to reach out for a refund. I would of reached out & made the same complaints & refund requests wheather i would of found out about this within 1 day or 1 year of having returned the last rental.\n\nI was lucky to even be able to find out about this whole mess, cover up & misdirection that XXXX put me through with these junk, salvage, rebuilt titles.\n\nXXXX  & their Insurance company & The XXXX Claims Department failed to pick up on this scam as it was happening to me live in real time. And it happened with 3 cars in a row. And plus they let me re rent the same car after i was blocked as a driver for the incident on XX/XX/XXXX without disclosing anything to me.\n\nAnd there is no excuse for the way XXXX treated me or handled this incident once i brought it to their attention. Their repeated lies, misdirection & total ignorance to this serious problem leads me to believe that they totally knew about this from the beginning & that they have done this in the past & will continue to do this to unsuspecting victims such as myself in the future. XXXX has to have a network/computer security team in their back office that has some sort of computer program that flags these cars on their platforms once it runs the VIN # s.\n\nI have tried over and over again from the beginning with XXXX to try and resolve this in good faith but even up till now they are just giving me the run around and there is no excuse for it.\n\nXXXX  did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform & they never disclosed anything to me.","date_sent_to_company":"2019-01-22T19:03:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33193","tags":null,"has_narrative":true,"complaint_id":"3130534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2019-01-22T17:10:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Their stock symbol is XXXX. i feel that their stockholders and board members and <em>others</em> would like to know that XXXX daily profits involve lying to <em>consumers</em> and the rental of illegal unsafe vehicles to the public with no disclosure.\n\nI RETURNED THE LAST RENTAL ON XX/XX/XXXX."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[5.6379604,"3130534"]},{"_index":"complaint-public-v1","_id":"3038799","_score":5.4971304,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing in regards to a bill that I received from the California Business Bureau , Inc., a collections agency, on behalf of XXXX XXXX XXXX. My account number has been designated as XXXX. The letter has notified me that I am being charged a total of {$120.00}, and that I will be receiving a negative credit report by the CBB. I would like very much to contest this charge, on the grounds that the services that I had received from XXXX XXXX XXXX were unsatisfactory.\n\nI called the CBB twice on XX/XX/XXXX, the day that I received the letter. On the first call, I spoke with someone who told me that by stating to her over the phone that I had met and spoke with a doctor at XXXX XXXX XXXX during my appointment, that I had just admitted to her on a recorded line that I indeed received services from XXXX XXXX XXXX, and that regardless of whether those services were satisfactory or not, I am still going to be charged for them and receive a negative credit report if I dont pay the bill. She was very aggressive over the phone, and insisted that the bill was fair, despite my objection that the services were completely useless and insufficient. She told me that I could not dispute them with the CBB, and that I had to go elsewhere to dispute the bill. I called again an hour or so later, and spoke with someone else, who told me that I could dispute the bill with the CBB.\n\nThis bill is for an appointment that I had at XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX. In XXXX of that year, I started to notice that my XXXX XXXX was XXXX XXXX again, as it first began to do in XXXX. The first XXXX XXXX and XXXX physician that I had seen last year, regarding this issue, was Dr. XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. Dr. XXXX examined me, and attempted to XXXX my XXXX XXXX XXXX, in order to allow more XXXX to pass through, so that whatever obstruction was present would come out. He XXXX  the area underneath my XXXX, known as the XXXX, with a XXXX XXXX, and poked into the area with a sharp metal tool. The pain was severe, and his procedure did not solve the problem whatsoever. My XXXX XXXX was still XXXX up to the same extent as before.\n\nAlso, on that day, Dr. XXXX sent me over to the nearby XXXX XXXX XXXX XXXX for a XXXX XXXX that he said would be useful in determining whether I had an unusually high amount of XXXX in my XXXX, which may have been restricting the flow of XXXX in my XXXX XXXX. I took the XXXX XXXX, and four days later, I brought the results to my general XXXX Dr. XXXX XXXX in XXXX XXXX, CA, on XX/XX/XXXX. Dr. XXXX told me that XXXX XXXX in general are not good indicators for the causes of XXXX XXXX   obstructions, and that my tests showed normal XXXX  levels anyway, so basically, the XXXX XXXX   was unnecessary. Dr. XXXX did however recommend that I go to the XXXX XXXX XXXX XXXX XXXX, because he said that they had a specific machine that could remove XXXX XXXX XXXX, and that they were the only people he knew of who had this machine.\n\nAn important context to consider is that in XXXX, I had a similar issue of a XXXX XXXX XXXX that was impacted by a XXXX XXXX. I visited a XXXX XXXX named Dr. XXXX XXXX in XXXX, CA during XX/XX/XXXX. She referred me to the XXXX XXXX XXXX XXXX to have them perform an XXXX  test on my XXXX. I went there on XX/XX/XXXX, and the results of the XXXX test showed that No definite XXXX or XXXX  could be seen. I went again to Dr. XXXX  on XX/XX/XXXX, so that she could XXXX my XXXX ; but, unfortunately, she left a large amount of XXXX ( XXXX ), which irritated me, and resulted in an XXXX XXXX. After which, I decided to make an appointment with Dr. XXXX, because he was an XXXX XXXX and XXXX   specialist.\n\nI had my first ever visit with Dr. XXXX on XX/XX/XXXX, where I showed him my XXXX  test results. He XXXX my XXXX a little more, diagnosed me with an XXXX XXXX, prescribed XXXX XXXX, examined my XXXX, and told me that there was no evidence of a XXXX in my XXXX XXXX. However, I could feel and even see the XXXX myself. Whenever my mouth would XXXX, the XXXX would rise up my XXXX XXXX, into the visible part of the XXXX, and this would happen throughout the day. I was scheduled for a follow up visit for a full extraction of the remaining XXXX.\n\nA few days before the follow up appointment, I actually managed to remove the XXXX  myself. During the nighttime, the XXXX  had risen up my XXXX XXXX, after I had eaten something sour, and I was able grab onto it with my thumb and index finger ; however, it was very slippery and excruciatingly painful to hold onto. The XXXX would fall back down due to a lack of grip, so instead, I pulled on the area with my fingers again, as far as I could this time, and bit down hard on it with my front teeth. This hurt a lot, but not as much as the next step that I took to free myself of this ailment, which involved removing the XXXX, by XXXX at the area of the XXXX  that it had been obstructing. I grabbed one of my parents XXXX test strip needles, and with the XXXX  still between my front teeth, I began XXXX  against it with the needle. After a few tries, the flesh began to bleed and open up, and the XXXX came out of my XXXX, slid out of my mouth, and onto the mirror that I was using.\n\nI went and showed my mother the XXXX, and she was so relieved that she started kissing me all over my cheeks, and with her eyes full of tears, she told me how happy she was that it wasnt anything serious. I placed the XXXX  inside of a plastic bag to show it to Dr. XXXX   during my follow up visit on XX/XX/XXXX. He was amazed to see that I had removed it myself, and told me that from now on, I would need to remain hydrated throughout the day, massage my XXXX   with a warm compress from time to time, and consume regular amounts of lime or lemon juice, so that my mouth would produce a healthy amount of XXXX. Otherwise, he said that another XXXX   might appear again in the future, and I may even need to have my XXXX XXXX removed altogether.\n\nSix years later, when the XXXX returned, and I went to Dr. XXXX  on XX/XX/XXXX, he sent my records to the XXXX XXXX XXXX XXXX XXXX, because they were supposedly the only people he knew of who had a special machine that could remove XXXX XXXX XXXX, with minimal to no damage done to the patient. Several weeks after my appointment with Dr. XXXX, I received a call from XXXX, and I was told that the earliest appointment they had was nearly two months from the day they called me. I scheduled the appointment for XX/XX/XXXX at XXXX XXXX. They did not, and could not send me an email, text message, nor voicemail to confirm the date and time.\n\nWhen the appointment came, my mother and I arrived around XXXX XXXX., and we were told after waiting an hour that my appointment was actually for XXXX XXXX., and not XXXX XXXX. My mom was very upset by this, as we now had to wait several hours before I could be seen. After I had complained to the receptionist, one of the staff members came up to me, and told me that I was mistaken, and that I in fact did agree to the appointment being on XXXX XXXX. When I was finally seen, the doctor they had available gave me no new information whatsoever. He told me that I had no XXXX  in my XXXX XXXX, that I should continue consuming lemon juices, and remain hydrated. He said that the machine which Dr. XXXX was referring to did not exist anywhere in their office, and that he doesnt even know anyone whos ever used it. He also told me that even if they did have the machine, I wouldnt need them to operate on me with it anyway, because there was no XXXX  in my XXXX XXXX. As far as Im concerned, this appointment was a major waste of time, and it was a terrible day, as my mother was very upset with me for us having to wait so long just to hear the same thing that the other doctor told me already.\n\nAfter a month or so, XXXX XXXX XXXX began sending me bills in the mail. I called the billing department after I received my first bill, and spoke with a representative about how I did not want to pay the bill, because the appointment that I had was a complete waste of my time. The representative told me to explain to her everything that happened, and that she would be able to file a grievance on my behalf. I did this, and called her back shortly afterwards. She then told me that it turned out that she was actually unable to file a grievance for me, and that I would have to sign a consent release to give access of my personal health records to XXXX   XXXX XXXX. She directed me to a page on their website, which turned out to be the wrong page. She had me fill out the wrong form, and when I called again to ask her if she could send me a direct link for the correct form to my email, she told me that she was not allowed to email patients. I called again a few days later, and at that point, she had left for a several month long vacation. I tried talking to other people at the Medical Center, but they all told me that there was nothing I could do, because she was the only person who was handling the billing department. At that point, I gave up, because if their Medical Center was not going to help facilitate a way for me to dispute this bill, then I had no reason to take it seriously.\n\nThey continued to send me bills throughout the past year and a half, and as far as Im concerned, they are extremely persistent, in getting their money back. I still have no idea what form she made me sign. What was it? Ive never once had to sign a consent release to file a grievance for a medical bill anyway. XXXX XXXX XXXX did not handle this situation in a professional manner, they gave me the runaround, and they still feel entitled to get money for doing nothing. Im not even sure which doctor I saw, because his name isnt written on any of the bills theyve sent me.","date_sent_to_company":"2018-10-05T20:16:58.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"92840","tags":null,"has_narrative":true,"complaint_id":"3038799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"California Business Bureau, Inc.","date_received":"2018-10-05T19:40:44.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["I called again a few days later, and at that <em>point</em>, she had left for a several month long vacation. I tried talking to <em>other</em> people at the Medical Center, but they all told me that there was nothing I could do, because she was the only person who was handling the billing department. At that <em>point</em>, I gave up, because if their Medical Center was not going to help facilitate a way for me to dispute this bill, then I had no reason to take it seriously."]},"sort":[5.4971304,"3038799"]},{"_index":"complaint-public-v1","_id":"3421922","_score":4.9577456,"_source":{"product":"Mortgage","complaint_what_happened":"I was excited to purchase my first home, a newly constructed townhome, and selected Ally to be my LendeXXXX. However, finalizing and closing on this conventional mortgage was an outrageously horrible experience over the past few weeks that brought me economic, mental, and physical harm. To summarize my hardships and complaints with how my loan was handled : I was denied the right to view the revised HMDA closing disclosure 1 business day prior to closing ; The Ally loan team engaged in deceptive advertising and communication ; I was subject to Allys negligent oversight of third-party appraisers ; and, My Ally loan team was incompetent in executing, and grossly negligent in oversight of internal service level obligations in place to ensure loans close in time. As a result, I bore the physical, mental, and economic harm. \n\n\n\nI travel extensively for work, so to conduct a timely and successful move, I modified my work and personal obligations to permit me to be local and available during the time period surrounding my scheduled closing date ( XX/XX/XXXX ). I scheduled movers, deliveries, technicians, etc. to coincide with this time frame. Any delays or altercations to these scheduled activities would likely result a negative domino effect and jeopardize my move. \n\n\n\nIn an effort to reduce delays for my closing, I spent an estimated 15 hours to proactively engage the lending team, follow up, request escalations, and effectively project manage the tasks required to finalize closing. Had I not done so, I am confident that the loan would have suffered additional unnecessary delays. Moreover, what is concerning and aggravating is that the delays detailed below show that these pain-points should have been easily avoidable, as enough information was readily available to the team prior to the last hours of closing. For example, the team had all the information to resolve the condo/townhome issue, at least by XX/XX/XXXX, if not much earlier, yet the team requested I reschedule my closing ( and thereby everything else ) to accommodate the operational failures to obtain a proper appraisal. Further, the accounting errors in the closing disclosures were with respect to specific line items that I emailed the team about on XX/XX/XXXX, and provided evidence for on XX/XX/XXXX. Why these items took multiple This complaint is not meant to be a comprehensive inventory of harm experienced but I can say that this experience resulted in the economic loss of 1 days use of my new home and damaged my well-being by subjecting me to undue stress. This was such an awful experience I feel like I need to advocate to my coworkers, clients, friends, and family to never use a product or service from Ally to spare them the potential grief of the likes I experienced. I am writing this complaint with the hopes that internally, Ally can examine and correct their people / process / technology operating model so that other consumers are not subject to a similar experience. \n\n\n\nDetailed Timeline of Relevant Events : XX/XX/XXXX XX/XX/XXXX : I provide all requested documentation in a timely manner, at times providing documentation within the hour, or within the day. \n\n\n\nXXXX XXXX Speaking with the loan officer ( XXXX ), I am told that loans close typically close in 25 days, and as early as 21 days if the consumer is responsive in providing all necessary documentation ( as evidenced by my timeline, this time-to-close estimate does not even seem remotely plausible ). Based on this information and the Loan officers responsiveness to my inquiries and documentation, I chose Ally to be my lender. I request a rate lock, intent to move forward, provide credit card information for the required Lenders appraisal, etc. \n\n\n\nI provide the scheduled closing date of XX/XX/XXXX. \n\n\n\nXXXX XXXX Appraisal completed ( XXXX ) and report submitted ( XXXX ). \n\n\n\nXX/XX/XXXX XXXX emails me and is confused because the property is a townhome, yet the XXXX and title agency curiously classified it as a condo. All documentation and communication provided by me and my realtor has consistently described the home as a townhome. Request is made for me or my realtor to contact the HOA and help us verify what is needed. We connect the HOA with XXXX to sort out any of this confusion. \n\n\n\nI also request that the Loan Estimate be updated to reflect all 3 of the payments Ive made on the property, as a payment of {$8200.00} had not been accounted for. XXXX confirms this will be properly updated this afternoon. \n\n\n\nXX/XX/XXXX My agent provides the recorded plat for additional confirmation of townhome status. XXXX replies in that he is coordinating with the appraiser to see if they can have the report amended. \n\n\n\nXX/XX/XXXX XXXX communicates to me that Ally had cleared the condo/townhouse issue up on our end. I provide proof of home owners insurance ( HOI ) payment. \n\n\n\nXX/XX/XXXX XXXX requests HOA to provide Ally with a statement of the monthly dues, which was provided by the HOA within 40 minutes. \n\n\n\nXX/XX/XXXX ( 3 business days prior to scheduled close ) XXXX - Without hearing anything from Ally, I proactively reached out to confirm that everything was still on track. \n\nXXXX - XXXX responded that the appraisal requires revision to more formally not [ e ] the change from a condo to a townhouse, and requests postponing of my close my at minimum two additional days to XX/XX/XXXX. \n\n\n\nI call the XXXX for more information and was informed that ( a ) despite knowledge that the appraisal was completed on XX/XX/XXXX listing my home as a condo, and the confusion this caused the week prior, the request to revise the appraisal was not made to the appraisal management company until Monday, XX/XX/XXXX ; ( b ) Ally requires the revised appraisal to issue the initial closing disclosure ; ( XXXX ) Ally did not expect to receive the revised appraisal before business close on Thursday ; and ( d ) To comply with regulations, closing can not occur until XXXX business days after the initial closing disclosure is issued and acknowledged by me. \n\n\n\nUnderstanding that time was of the essence, I requested to escalate my discussion to a supervisor ( XXXX ). After communicating my concerns with how the process had been managed and was being executed, XXXX communicated that an underwriting exception was granted to allow the initial disclosure to be issued in advance of receipt of the revised appraisal. XXXX stated that the team would call me tomorrow morning to review the remaining steps. I reviewed and acknowledged the initial disclosure, and went to bed thinking that we were back on track. \n\n\n\nXX/XX/XXXX ( 2 business days prior to scheduled close ) Friday morning - No contact made from Ally team to review remaining steps. \n\nXXXX I email the closing expert ( XXXX ) to further confirm if everything was going on track, including the revised appraisal. \n\nXXXX - I email XXXX XXXX to communicate errors that were made when preparing the initial closing disclosure. The initial closing disclosure did not give me credit for the pre-paid home owners insurance ( which was provided on XX/XX/XXXX ) and also incorrectly counted the payments that I had made to the home ( which I had previously notified the team on XX/XX/XXXX ). \n\nXXXX - XXXX responds confirming that closing disclosure will be updated to reflect the correct amounts. \n\nXXXX I follow up to see if they have made the updates to the revised appraisal. \n\nXXXX - My realtor follows up because the closing attorney still had not received the revised closing disclosure or loan package. At this point, Ally has missed the previously communicated deadline to provide all documents by XXXX the business day prior to closing. I now have to postpone my closing. Luckily the closing attorneys had a XXXX slot, however, due to the late time, they will not be able to record the same day, delaying my effective ownership of the property by at least 1 day. \n\nXXXX I receive an email from XXXX XXXX the closing disclosure has been updated and sent to the attorney. I log on the Ally portal and see a document titled as a closing disclosure, but upon viewing the document, it was actually the loan package, and not the closing disclosure. I make calls to Ally to get the revised closing disclosure, and am informed that the closing team is still working on it ( thereby making me seriously wonder what XXXX sent to the closing attorney ). The closing team tells me they will provide the revised closing disclosure that evening before business close. \n\nLater that evening, I receive notification that the disclosure has been updated. Upon review of the disclosure, I am disheartened to see that it still contains errors, namely the same two errors I notified the team with earlier ( HOI was marked as to be paid at closing incorrect accounting of payments already made ). \n\nXXXX - I reach out to the closing team and their supervisors to re communicate the errors on the closing disclosures and request that, given the difficulties already experienced, the team does not wait until Monday to resolve the closing disclosure. My revised closing time at XX/XX/XXXX XXXX requires all documentation to be received by XXXX the same day. I reiterated that I would be fully available during the weekend to finalize. \n\n\n\nXX/XX/XXXX ( 1 business day prior to scheduled close ) I follow up via email with the team to plead for assistance in resolving the closing disclosure before Monday morning. I make phone calls and come into contact with XXXX, who after I explain the events of the loan, along with my concerns with completing the transaction on time, was able to contact members of the closing team. XXXX was able to confirm that all documentation would be completed and provided to the closing attorney by XXXX on XXXX XX/XX/XXXX, and that I should be able to complete closing at the scheduled ( XXXX ) time on XXXX. \n\n\n\nXX/XX/XXXX XXXX - XXXX emails me confirming that he has made the necessary changes to the closing disclosure. Because the closing disclosure had not been completed by Saturday, I forced with the decision of ( a ) postpone my closing ( and incur economic penalties, among others ) to afford myself the right to review the revised closing disclosure 1 business day prior to close or ( b ) forfeit my right to review the revised closing disclosure 1 business day prior to close and close on time, thereby not incurring economic penalties and other hardships. I chose the latter. \n\n\n\nXX/XX/XXXX XXXX - XXXX emails me to confirm that the appraisal revisions have been completed. \n\nXXXX XXXX - I sign all documentation at my scheduled closing. Due to the delayed closing time, the documents were not able to be recorded ( county offices close at XXXX ), and I am unable to use my new home. \n\nXXXX - I receive email confirmation from XXXX that Ally had received the signed loan documents, and notification at XXXX that the loan was funded. \n\n\n\nXX/XX/XXXX XXXX - We asked the closing attorneys to notify us once the loan is recorded so that I can officially get the keys and use my new home. \n\nXXXX - the closing attorneys notify us that they were waiting on permission to record from the lender. I think the underwriter needed to recheck something on the appraisal. After hearing this, I call the closing team and am told that they should have the loan finalized by end of day. I communicate that this is unacceptable and that the loan still needs to be recorded, so a end of day XXXX means the loan could not be recorded until the following ( XX/XX/XXXX ) morning, further delaying effective use of my home, and request this be expedited to allow for time to record same day. \n\nXXXX - I receive notification by the attorneys that they had recorded the loan. XXXX ( hopefully ) ends the fiasco to close a conventional loan.","date_sent_to_company":"2019-10-29T05:02:18.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"28205","tags":null,"has_narrative":true,"complaint_id":"3421922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2019-10-29T04:36:38.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing this complaint with the hopes that internally, Ally can examine and correct their people / process / technology operating model so that <em>other</em> <em>consumers</em> are not subject to a similar experience. \n\n\n\nDetailed Timeline of Relevant Events : XX/XX/XXXX XX/XX/XXXX : I provide all requested documentation in a timely manner, at times providing documentation within the hour, or within the 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