{"took":224,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12006054","_score":33.264034,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There where XXXX accounts hacked XXXX was experian and XXXX was XXXX and neither of them notified me of the hack or the class action all of my information on my accounts was true and correct and they still fail to help me fix my accounts and problems I am not happy I did check my social security number and it says it was affected by both the recent hacks on both companies and they refuse to help me fix the problems on my credit statement as wrll as reimbursement for thefts and access to my identity I can not afford security on my identity to watch for future problems I may not encounter a problem until the future but they will not tell me if any of my charges are from theft there's a few I do not recall opening and I just want help.","date_sent_to_company":"2025-02-09T22:37:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"565XX","tags":null,"has_narrative":true,"complaint_id":"12006054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-09T22:26:04.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I can not afford security on my identity to watch for <em>future</em> <em>problems</em> I may not <em>encounter</em> a <em>problem</em> <em>until</em> the <em>future</em> but they will not <em>tell</em> me if any of my charges are from theft there's a few I do not recall opening and I just want help."],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"]},"sort":[33.264034,"12006054"]},{"_index":"complaint-public-v1","_id":"14369012","_score":9.4001465,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'Summary of XXXXTestimony\\nXXXX Testimony \\n\\nXXXX XXXX XXXX XXXX  contacted me and offered me to work full/part time online position and earn XXXX. Requirements US citizen or Permanent Resident age XXXX XXXX XXXX XXXX XXXX contacted me and mentioned that I can earn at least XXXX  a month steadily and she even mentioned She said that it is a flexible online remote work working hours are XXXX XXXX XXXX She said that I can get paid from XXXX XXXX XXXX XXXX  She said that XXXX XXXX XXXX XXXX XXXX XXXX where app developers publish their apps on XXXX XXXX XXXXm. The company has XXXX XXXX  that helps apps generate data and traffic. She said that Our job responsibilities: Like apps published by app developers on the XXXX XXXX every day to increase the apps ratings, ranking exposure and purchases, just like we usually do on XXXX XXXX XXXX they need Get more views and likes to attract more followers She also said that I have a great part-time online job to share with you. All you need is a phone or computer to start this job right away, and our hours are XXXX XXXX XXXX XXXX, but you can start anytime during that time. Once you get familiar with the job, it only takes about XXXX XXXX XXXX  minutes per day. Once the job is completed, you will be paid immediately and the money will be withdrawn to your bank account. Daily pay ranges from XXXX XXXX XXXX XXXX  salary is divided into basic salary and commission Basic salary: complete 2 sets of tasks every day -5 consecutive days, you will get a basic salary of XXXX -15 consecutive days, you will get a basic salary of XXXX XXXX consecutive days, you will get a basic salary of XXXX So the monthly salary is XXXX which is a fixed salary Daily commission Complete 2 sets of data calculations every day, and you can withdraw the commission earned on that day First, I can walk you through the process with a training account, and then you can learn more about the company, how we upload data, and how we make money from it so you can understand it better. Do you have an hour or so for training now? And I said Yes I am available now OK. I will send you the XXXX XXXX here is the link, you can take a look. But as a user of the data provider, you need to register a user account with your phone number, okay? Registration is free, but it will not infringe on your privacy XXXX Invitation code:XXXX After registration, send me the invitation code and I will register a training account for you and start training I said Maam i just copied the invitation code that you sent me. Invitation code:XXXX  I am on the dashboard already Maam. She said When you log in to your work account, click the \"Profile\" button in the lower right corner of the page Then find your invitation code at the top of the page and click the \"Copy\" button to copy your invitation code to me XXXX  : Invitation Code XXXX I will apply to register a training account for you now, please wait Done I have registered a training account for you, please log out of your account now and then log in to your training account to start your training plan Username: XXXX XXXX After logging in, please take a screenshot and send it to me, and I will guide you step by step. I said I am logged in using my XXXX  Maam. My XXXX  is on my phone. I just took a XXXX XXXX XXXX XXXX XXXXXXXX Maam Yes, the balance is correct and there is a XXXX  bonus for every new account you sign up. Then I use XXXX as a starter fund for training and after you complete the training you get 20% of the commissions earned from this account There are 2 types on the work platform 1.Normal package: XXXX  commission 2.Combination package: commission is 10 times of the normal package, that is 5%. I said It is saying the balance is insufficient and it is not letting me proceed from XXXX Maam She said Wow! You\\'re so lucky you came across the combo package, thanks to your luck we\\'ll get XXXX XXXX! Here are two application tasks \"Pending\" and \"Submit Now\", this is a combined task phenomenon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, compared with all \"Completed\" application tasks XXXX XXXX\", the commission is 10 times more, see it? This is a random package containing 1-3 applications. When we get a package application, its data value exceeds my balance, resulting in insufficient balance, so we need to replenish the balance to complete it. But the probability of it appearing is relatively low because its commission is 10 times that of a normal package, so it\\'s a lucky package randomized by the system. Please wait a moment, I need to deposit now because this is the account I registered, I will notify you when the deposit is completed. Done. I deposited the money into the training account. The system updated the account balance. Now go to the record, click Submit Unfinished Tasks, and continue to complete XXXX tasks. Once the submission is completed, all funds will be returned to the entrusted account, and then continue to execute the remaining tasks. Please notify me when XXXXXXXX tasks are completed I have a little surprise for you. Please log out of your training account, log in to your account, and send me a screenshot of your balance. Maam I am not able to log in to my account. You forgot your username? You can try using your phone number Username: Enter your phone number Click the marked location to contact XXXX  to retrieve your username Send me a screenshot  Congratulations! This is the commission you earn for completing tasks on your training account. This is what you deserve  This is the process of optimizing your application and uploading your data. You can now complete XXXX optimization tasks in your account. I am logging into my training account to withdraw money, when you complete a set of tasks please let me know and I will tell you how to withdraw money from your account and unlock the next set of tasks. You did very well! You just earned another XXXX XXXX XXXX XXXX XXXX Now do you understand how to make money from this job task? Although it seems that we are just \"clicking\" a task, we are already paying for it, so it can increase the purchase and exposure of the application, downloads, reviews, etc., and then improve its ranking in the app store. This helps to generate data and traffic, which in turn improves the ranking of XXXX XXXX XXXX, and even increases company stocks, attracting more users to download and use. Do you have XXXX XXXX? Please open your XXXX XXXX and send me a screenshot I will now teach you how to use XXXX XXXX to link your work account This way you can receive your salary and commission through XXXX XXXX Is the money cryptocurrency Maam? Yes This is due to the first time you use the XXXX XXXX XXXX XXXX XXXX So XXXX XXXX needs to conduct real-name authentication with you You only need to fill in the relevant content according to the prompts and complete the real-name authentication Usually within 30 minutes Open XXXX XXXX and send me a screenshot. I will guide you. After completing the withdrawal, just wait patiently for the money to arrive in your XXXX XXXX Due to the slow XXXX XXXX it will take about 10-30 minutes for the money to arrive in your XXXX XXXX After we finish work every day, we need to withdraw all the balance in our work account. Otherwise, the system will think that the account is operated by AI. This is prohibited by the company When the money arrives in your XXXX XXXX, you notify me and I will teach you how to convert XXXX XXXXnto cash and deposit it into your bank account You have successfully been trained and earned commissions You can reset the task today, continue to complete 2 sets of XXXX XXXX, and earn another commission And when you complete the 2 sets of XXXX XXXX after the reset task, you will become a formal employee of the company. If you keep working every day, you can receive a salary of XXXX XXXX XXXX XXXX XXXX Do you want to reset the mission now? Now I will teach you how to reset the task. Resetting the task is very simple. The only requirement is that you need to have at least XXXX XXXX in your work account Its actually very simple, you just need to buy XXXX worth of XXXX XXXX XXXX XXXX and send it to your work account, so that the XXXX will be automatically converted into XXXX  After completing 2 sets of XXXX you can get XXXX and withdraw it to your XXXX XXXX Add money Enter XXXX  Open your work account and contact XXXX to get today\\'s XXXX address XXXX Paste the address given to you by XXXX into To Click the arrow to confirm. Then click Next Send me a screenshot Continue taking screenshots Send this successful delivery certificate to XXXX  for review Yes, awaiting review XXXX This is your XXXX XXXX XXXX XXXX, send it to XXXX and you can start your XXXX XXXX XXXX  mission Since I am your referral, your reset code will be sent to my email in the first week, and then I will forward it to you. After 1 week, you can apply to have the reset code sent to your XXXX  This also helps to establish a closer connection between the referrer and the new employee, enabling timely resolution of any questions Now you can go and do your first set of XXXX. Let me know when you are done. Refresh XXXX  This is your second set of reset codes. Tell me when you are done and I will guide you to withdraw your funds Wait patiently for the funds to arrive in your XXXX XXXX Let me know when your funds arrive By the way, we have a discussion group where we often discuss and share details about this work. Now I would like to invite you to join so that when I dont reply to your message in time, you can directly ask for help in the discussion group XXXXXXXX This is the link to our group. Click on it to enter our group Once you are in the group, I will introduce you to them. I believe they can help you when you need it Today is your first day of registration. For 5 consecutive days, you will receive XXXX XXXX. The commission earned today is not much, but in the coming work I will show you ways to earn more You have been successfully employed by the company and I hope you will appreciate the job. Yes Maam , I appreciate the job  Because it\\'s a job where you can make XXXX a month. I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in debt from the epidemic until I got this job and I paid off my debt and improved my life and my XXXX XXXX. Tomorrow I will teach you how to get more commissions and teach you the other rules of the platform Wow Maam i am a XXXX XXXX XXXX. I have an XXXX XXXX now Maam. Am looking forward to make XXXX  a month with this job Maam. Yes this job is to improve the quality of our lives and our XXXX XXXX Maam. Yes Maam. I am so excited. You are heaven sent Maam  I know the difficulties of being a XXXX XXXX I will definitely help you make more money Hi Maam I can start work now Maam Thank you very much  We\\'ve been talking about work, so let me formally introduce myself  My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX platform is a data promotion platform that cooperates with XXXX  companies strategically. We help XXXX improve data, increase XXXX popularity and exposure, attract more users to download, and we earn commissions and wages In the Internet era, traffic is the highest value. Many companies choose to increase exposure through advertising and obtain huge amounts of data traffic. Application promotion is a new way to obtain traffic. Application promotion can increase a company\\'s exposure, ratings, and purchases, which is very important for the company and can even drive up the company\\'s stock price. This is why our commission comes from cooperation with application companies We do the same thing, helping application developers promote their software so that more people can use it or even buy it. In fact, this is the same purpose as us earning advertising fees So we\\'re really relying on traffic to earn commissions You used XXXX  to reset your job, and today you deposited XXXX The more funds we have in our account, the more commissions we earn. If you encounter a combination package, you will get 10 times the commission So both funds and combined packages will allow us to earn more commissions Yes, it requires some luck, the combination packages appear randomly and we cannot predict them Dear, you have been signed in for five consecutive days can get XXXX  basic salary, you can immediately withdraw the earned salary, or you can leave the salary in the work account to continue to earn commissions! Since your debit card is limited, I suggest you use XXXX wire transfer Open your XXXX XXXX and I will guide you through it We can try the XXXX XXXX Using XXXX XXXX XXXX  I don\\'t think this will work, let\\'s try a wire transfer and it will be done tomorrow Still not working Let\\'s choose wire transfer, it will save us a lot of time Open your XXXX account Open your online banking app Follow the information from XXXX  to complete the wire transfer correctly Many banks in the United States are not very friendly to XXXX Because it can affect the bank\\'s interests. So banks don\\'t like it when people buy it. Banks usually ask you why you want to buy cryptocurrency. You tell the bank that you are a trader of some XXXX and that you have been following the market lately. You want to invest some XXXX  in your XXXX XXXX XXXX XXXX XXXX allows people to buy and hold BTC. banks just don\\'t like it Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\\'s my experience Share it with you Dear, don\\'t worry, XXXX  is safe. You just need to tell the bank that you need to buy XXXX  for investment. I don\\'t recommend you to tell the bank that you are for work. If you say it is for work, it will be difficult for us to pass it smoothly. You just need to tell the bank that you are a cryptocurrency investor and you just use it to buy Bitcoin. If the bank asks you who recommended you to use this XXXX, you need to say that you saw it on XXXX You have also carefully studied this exchange. It is a formal exchange Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\\'s my experience Share it with you Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\\'s my experience Share it with you Open your online banking app XXXX XXXX for the bank to deduct the money The bank will call you to confirm You only need to answer to buy BTC It\\'s okay, we can apply for reimbursement of the handling fee OMG, you will get a big commission Have you read the platform\\'s announcement The maximum number of encounters per person is XXXX. This is really rare. I think it\\'s a sales tactic of the merchants Each person will encounter a maximum of XXXX . That\\'s the limit Open the task and give me a screenshot After completing the last package, you can withdraw approximately XXXX Yes, it will cost about XXXX Yes, this is our last package, once it is completed we can withdraw all funds You will receive a large commission XXXX let me know when you are ready and I will guide you through the wire transfer Because you still have 5 orders to complete, your account funds will continue to allow you to make some money. When you complete all the tasks, you can withdraw about XXXX This is our last package. The system clearly stipulates that we have the opportunity to encounter XXXX packages every day. Completing this package means the end I want you to assure me that our work is legal. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I will not do anything illegal No, this is our last combo package, we won\\'t be seeing the next one We can wire to XXXX account This is our third combined package. The system clearly stipulates that we can only encounter 3 at most. I have also encountered 3 combined packages Maam they will charge me a penalty Maam for getting the CD prematurely Maam it should have matured this XXXXt Maam Maam there is a penalty of XXXX cents Maam It might take to 1 Bussiness day Maam How much should i wire Maam?  Approximately XXXX Maam i spent XXXX XXXX on the wire transfer from XXXX to bank of america  at their office Maam plus XXXX XXXX Maam today then I spent another XXXX XXXX for the wire from bofa to XXXX XXXX Maam  Hope and pray we get our commisions today Maam  You can get the joy of commission immediately  Maam another combo What? How is this possible? You will never come across a combo pack again. I need to confirm. You encountered three combo packages. This is the fourth one, right? Please wait a moment. Let me check our chat history. I checked and found that you encountered one combination package in the first set of optimization tasks and three combination packages in the second set of optimization tasks, so the two sets together have four combination packages. You need to contact XXXX now and tell XXXX that you have encountered three combination packages. Why is there a fourth combination package? This is a system error. Please check it out. I need to go to a group for help now. I have never encountered such a problem before. Maybe a group can help us. Yes, we all misunderstood. What we are facing now is the last combination package in the true sense. Dear, the platform cannot provide loans. We can only solve the funding problem by ourselves.  Dear, if you have enough funds, I think it is very worthwhile to be happy because you will once again receive XXXX XXXXommission income, which is very considerable. Because buying cryptocurrency requires some fees, you need XXXX  Because you got another combination package, you got another XXXX XXXX  commission bonus. Dear, I can help you solve your work problems, but I really don\\'t know any better suggestions for you on the financial issues. You can earn XXXX commission income from this package After you finish you can withdraw XXXX The equivalent value of XXXX XXXX  is the same as that of USD, which is XXXX XXXX Dear, if you apply for a loan, you can\\'t say you\\'re using it for work. You can probably say you need to buy a big item or do some home improvements. Buying a big-ticket item or making home improvements You can try to get a loan for your mothers house renovation Dear, this is just an excuse. When your loan is successfully completed, you can withdraw all the funds and get a very considerable commission income. But after you withdraw all the funds, you can immediately return the loan funds. Dear, this is something you can only explain based on your personal situation. I can\\'t give you any better advice. Can i say it because of XXXX Maam? Or they will not accept it Maam? Dear, you must not say that. The bank will never agree to that. I think it is safer to apply for a personal loan I think it is safer to apply for a personal loan When you\\'re done, you can return it immediately. You can try it here first. If it doesn\\'t work, then we can only try to apply for a loan with XXXX XXXX Will your mother lend you money? You can wait for the result. If the application is not approved, we may have to borrow money from your mother. Dear, please dont rush, we are waiting for the result of your loan application first When you are familiar with this job, you can become a referral like me, you can invite your friends or family to join this job, you can earn more commission Dear, since we are part-time employees, the work we receive is all after-tax wages and no tax is required. You don\\'t need to file a tax return because your salary and commission are after-tax. God is with us Amen  Our work is real and legal. You can directly tell your mother how we work. Your account can only be used by you. The company will not admit that anyone other than you uses your account to work. You can tell your mother that when you become a referral, you will invite them to join this job Everyone has no knowledge of areas that they have not covered. We can understand this, which will only add some difficulties to us, but I believe that we will complete it well I suggest you apply for a short-term loan from the bank I understand. I have XXXX in my account. I can lend it to you first, but you have to promise me that you will pay me back immediately after you finish the work Yes, the combination package is determined by the funds in our account. The more funds we have, the more negative balances we will encounter in the combination packages It may take us longer to raise funds, but when we are done, the commission we will get is huge We need to try. If the bank cannot approve the loan, then we need to think of other ways This is normal because your mother has never been involved in this industry and what we are working on now is also a new industry. Many people dont understand it and many people will think it is a scam. XXXX  from the team agreed to lend us XXXX, and I promised to return it to him as soon as I finished it My brother agreed to lend us XXXX, but he will give it to me by the XXXX, so we can finish the work tomorrow If your funds arrive tomorrow, we can complete the wire transfer first, and I will also deposit my money into your account, which will keep your account active. We can continue to apply for a one-day extension. On the XXXX, my brother will give me the money, and I can make up the negative balance, and we can complete all the work Dear, don\\'t worry, we will get all the money back after we finish the work. I want you to promise that this is our last package. I will guide you to withdraw the money after it is completed. XXXX XXXX XXXX XXXX XXXX Money is very important to me. I can\\'t joke with my money. Please believe me, just like I believe that you will return the money to me after the work is completed. We will succeed soon. I will have my funds ready at XXXX XXXX Dear, don\\'t worry, we will finish the work soon and get all the money back, we can all earn commissions, I will always guide you to earn more commissions, we will slowly improve our lives in the future, believe me About XXXX  What is third-party top-up? Now you contact XXXX and tell them that this is the first time we\\'ve done this and please don\\'t freeze the account, because if you do, we\\'ll lose everything, and we\\'ll still have a chance to verify the XXXX I\\'ve never lent money to anyone, so I don\\'t know anything about XXXX XXXX XXXX and I\\'m sorry my ignorance has cost you money  I\\'m praying to God not to freeze our account  I don\\'t know. I\\'m also very nervous. I\\'ve never helped anyone before. You\\'re the XXXX XXXX I\\'ve helped.  Open your work account and send me a screenshot. I will guide you to find it. God bless the platform did not freeze your account But we are facing a big problem: we need to verify our XXXX XXXX XXXX XXXX XXXX verification is required, which is XXXX XXXX  No dear, all my funds have been used to help you. We have no more funds.  All my funds are in your account, and some of them are borrowed by me, not mine.  Dear, we all need to get our money back, but we violated the platform terms and conditions and we need to complete the XXXX verification plan before we can withdraw the money That\\'s why we need to complete the XXXX XXXX and withdraw the money as soon as possible. XXXX has contacted me to pay back the money. If I don\\'t pay him back within 2 days, I need to pay him interest I have no more money to help you. You need to find a way to complete the work and verify the funds. Once we complete the withdrawal, we can return everyone\\'s money DearXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The money I lent you was also borrowed from others. Like you, I am also an employee of this company. We can only get our money back after completing the XXXX XXXX according to the company\\'s requirements I want our money back too, you have my money in your account Dear, because many criminals imitate our company and I have been cheated before, so for the safety of our funds, the company does not allow us to cooperate with other companies. This is also why the company does not allow us to do other similar work. I have worked in this company for more than a year and have never seen anyone lose a XXXX in this company. Your funds are safe in your account, and my money is also in your account. If I don\\'t trust the company, I won\\'t use so much money to help you. We have to find a way to complete the XXXX XXXX as soon as possible and get the funds backXXXX XXXX  and my brother have asked me to pay back the money Dear, we can end this job as long as we complete the XXXX XXXX. I am also trying to find a way to pay back XXXX  and my brother, because if I don\\'t pay them back, I need to pay the interest Dear, we cannot withdraw money before the XXXX XXXX XXXXs completed. I also urgently need to pay back my money to others. I know you are under a lot of pressure. I haven\\'t mentioned these things yet, but others have already asked me to pay back the money I\\'m also under a lot of pressure right now. XXXX called me today and asked me about money. Dear, I am sad to hear this news, but I am an employee of this company just like you, we didnt complete the work, we cant withdraw the money Dear, I am the same as you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in your account, I also want to get my money back, we did not complete the work, we can not withdraw the money I hope you can find a way to finish the job and pay me back XXXX  XXXX XXXX  Your account was detected as a XXXXXXXX XXXX and your withdrawal request was denied. Please cooperate with XXXX  to investigate the source of the third party funds. Hello. The platform doesn\\'t allow XXXX XXXX. You\\'re violating the platform\\'s anti-money laundering regulations. Hello, the system has detected that you have XXXX XXXX from a third party recharge Please cooperate with XXXX in investigating the origin of the funds Hello, please provide your ID card ID and recharge address and your recommenders ID card ID and recharge address. You also need your recharge address and your recommenders ID and recharge address Hello, your account by the system audit, your account violates the provisions of the platform, anti-money laundering law, suspected of money laundering, the need for your account to carry out XXXX XXXX  Eliminate security risks. Hello, after checking, there is XXXX in your account. You need to complete the XXXX XXXX before you can withdraw the funds. The verification amount is 20% of your account funds, that is, XXXX. The platform will not charge any fees. You can withdraw the full amount after completing the XXXX XXXX Hello The platform does not allow any third-party recharge Given that you are a new member of the platform before allowing you to verify your XXXX XXXXe This is already the biggest help to you Hello, after checking, there is XXXX in your account. You need to complete the XXXX XXXX before you can withdraw the funds. The verification amount is 20% of your account funds, that is, XXXX The platform will not charge any fees. You can withdraw the full amount after completing the XXXX XXXX. Hello, it cannot be deducted from the account balance. You need to recharge your account with XXXX XXXX. After completing the XXXX XXXX, you can withdraw the funds in the account in full. You need to recharge XXXX XXXX into your account. After completing the XXXX XXXX you can withdraw the full amount of funds in your account. You need to recharge XXXX XXXX into your account. After completing the XXXX XXXX, you can withdraw the full amount of funds in your account. You only need to top up XXXX XXXX to your account. After completing the XXXX XXXX, you can withdraw the full amount of funds in your account. Please complete the XXXX XXXX as soon as possible. After completing the XXXXXXXX XXXX you can withdraw XXXX Hello, according to company regulations, you have now officially joined this job. Our company automatically identifies your mobile phone number through XXXX XXXX so you can no longer participate in other online app promotion work to prevent the leakage of company operation information. After all, there are a large number of app promotion companies in the world, and the operation methods and business competition are very fierce. If you participate in other online work, the company platform will automatically identify it, which means that your work account will be automatically blocked by the company platform. XXXX, you can only work in our company XXXX please complete the XXXX XXXX as soon as possible XXXX you can withdraw XXXX after completing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the company does not have telephone service at the moment. Yes, because the company signed a confidentiality agreement, so the company address cannot be used. This is the address of the department manager. XXXX, the company does not have telephone service at the moment. XXXX please complete the XXXX XXXX as soon as possible to withdraw the funds in your account\\n\\n\\nTerms & Conditions\\nTerms & Conditions\\n\\n\\nI. XXXX XXXX XXXX) The minimum reset amount for enhancing XXXX XXXX XXXX XXXX  Once 2 sets of XXXX XXXX have been completed, the user must withdraw all amount and receive the withdrawal amount before the account is requested to reset.\\n1.3) Contact our online service to reset your account after completed XXXX XXXX XXXX XXXX) Full withdrawal can be requested after completing tw of America due to negligence.\\n\\nI already sent XXXX,Florida Atty general IC3 what happened. I have all our text messages. Please kindly help me  . I lost estimated XXXX XXXX XXXX. Time is of essence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not even own a car. \\n\\n\\n\\t1.\\tFailure to Detect or Prevent Fraudulent Activity? The scammers BoA account showed suspicious activity (e.g., large sudden transfers but BoA failed to freeze or investigate it.\\n\\t\\t-\\tIf the account was newly opened, moved large sums quickly, or had prior fraud reports, BoA could be liable for failing to follow anti-money laundering (AML) regulations.\\n\\n\\t2.\\tFailure to Respond to Recovery \\nRequests of XXXX XXXX Promptly? Once XXXX flagged the transaction as fraud, BoA has a duty to act reasonably.\\n\\t\\t-\\tDelayed response, failure to freeze the account, or ignoring the interbank request could make BoA liable for facilitating further losses.\\n\\n\\t3.\\tAiding and Abetting Fraud? Furthermore, the scammer specifically instructed me to open a Bank of America account and stated that XXXX XXXX is not crypto-friendly. This request was highly unusual and only made sense in hindsight.\\n\\nIt strongly suggests that Bank of America had previously been used by this fraud ring to receive and route stolen funds to crypto platforms (such as XXXX XXXX XXXX XXXX XXXX, with fewer restrictions or detection.\\n\\nThis raises serious questions about:\\n\\t\\t-\\tWhether Bank of America conducted adequate due diligence on the recipient account holder XXXX XXXX XXXX XXXX),\\n\\t\\t-\\tWhether the account had a history of fraud reports, and\\n\\t\\t-\\tWhether the bank allowed continued operation despite red flags, which could constitute negligence or aiding and abetting by omission.\\n\\nI request that Bank of America investigate this matter not only as a one-off fraud, but as part of a possible larger scam network, and disclose any history of suspicious activity'","date_sent_to_company":"2025-07-09T18:32:08.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"34683","tags":null,"has_narrative":true,"complaint_id":"14369012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-30T16:40:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have never <em>encountered</em> such a <em>problem</em> before. Maybe a group can help us. Yes, we all misunderstood. What we are facing now is the last combination package in the true sense. Dear, the platform cannot provide loans. We can only solve the funding <em>problem</em> by ourselves.  Dear, if you have enough funds, I think it is very worthwhile to be happy because you will once again receive XXXX XXXXommission income, which is very considerable."]},"sort":[9.4001465,"14369012"]},{"_index":"complaint-public-v1","_id":"2982320","_score":9.100581,"_source":{"product":"Mortgage","complaint_what_happened":"I am submitting this now because I noticed a number of newspaper articles outlining problems stemming from unethical and intentionally misleading practices at Wells Fargo. I thought it was just me and it was impossible to get vindication so I didn't speak out. I've never been treated so poorly by any group or business in my life. I started typing up my call notes because I was so shocked by the behavior I encountered.\n\nI haven't seen many articles yet addressing the experience I had and I want to make sure that this portion of the company 's mishandling of mortgage loans is not overlooked. Wells Fargo LOST our file after 7 months of working through a mortgage modification which, in turn, caused us to have to start over ( after seven months ) and also caused a sheriff 's sale notice, foreclosure proceeding, and excessive extra fees. They acknowledged that the person handling our file had left and the file was lost and told me I had to start over with a new type of modification because the old one was no longer available. At the same time they started foreclosure proceedings and, at various times, called me a liar and refused to acknowledge that I had been following all steps prior to my file being lost.\n\nDuring this same time my grandmother moved in for her end-of-life care and I was completely traumatized worrying they would foreclose and we would have nowhere to go for her final weeks of life. I was so deflated, humiliated and exhausted after I finally was able to resolve the situation ( after a year ) that I didn't have the strength to file complaints and then, as time passed, I just tried to forget but I've been able to let go of the anger and hurt that they caused. \n\nPlease note that I recorded all communication, I never missed a requirement that they asked for and I reached out almost weekly throughout the entire process. I filed a complaint after I was able to get a modification. I sent this to their written complaint department and never received a reply. I have copies of that complain letter that outlines everything and copies of all letters Wells Fargo sent that show they knew we were in a modification process and still moved to foreclosure. I have detailed records of the entire experience which ruined my credibility in the small community where I lived at the time, caused me to lose momentum in my professional advancement and ruined my credit score for years which cost me higher interest on future loans for years. In addition, Wells Fargo assessed a lot of fees thereby increasing the amount I had to pay them to settle and get the modification. \n\nThis incident started in XX/XX/XXXX during the recession. I lost my job and found a job at a third of my prior pay. I had fallen behind on my mortgage and had reworked my bills so I could afford to make payment moving forward but was struggling to come up with the extra for the amount I was behind. I reached out to Wells Fargo to see if they could offer any assistance. That was in XX/XX/XXXX. In XX/XX/XXXX they notified me that they did have options available. On XX/XX/XXXX they said they would send me information on the HomeSaver Advance program. I filled out an initial hardship letter and faxed it in the same day. In XX/XX/XXXX I received instructions to make reduced payments for three months while they worked on the modification. I continued to receive past due and threatening notices even though I was doing everything exactly as instructed. I continued to call all during those months. On XX/XX/XXXX I was told that the paperwork was coming in the mail for me to sign to finalize the new agreement. \n\nOn XX/XX/XXXX I sent another batch of updated financial information. By XX/XX/XXXX I started receiving letters stating that I had to send in the full amount past due or they would proceed with foreclosure action. I was panicked and calling every week. On the phone they would tell me that a date for Sheriff 's Sale would not be set while my file was in review. However on XX/XX/XXXX I received a notice that a date was set for sheriff 's sale. \n\nI started filing written complaints and calling almost every other day. I often sat on hold for 50+ minutes and was transferred multiple times with each call. It wasn't until later in XX/XX/XXXX that I received a letter from Wells Fargo ( with conflicting dates bouncing back and forth between XX/XX/XXXX and XX/XX/XXXX ) that offered the HAMP. This was a full 9 months after I first reached out to Wells Fargo. A full 9 months of my following all of their requirements and submitting everything required, paying down debt, working extra jobs to increase my income so I could honor my promises. \n\nAgain, I had to start the three-month trial period payment plan ( first done back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX before my file was lost ) and this time it would put me past the sheriff 's sale date and they would not guarantee that the foreclosure wouldn't happen while I was in the trial period. My Grandmother moved in for her end-of-life care the end of XX/XX/XXXX and I spent the final two months of her life caring for her and worrying myself sick every day not knowing if they would show up to take our home. \n\nI was finally able to get a HAMP in XX/XX/XXXX days after my grandma died and over a year from when I started the process. The fees they added on to my loan were excessive due to the foreclosure legal fees and other mistakes made on their end but I had no power to argue or challenge them because I was just concerned with keeping my home at any cost.","date_sent_to_company":"2018-08-04T00:05:59.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"97203","tags":"Servicemember","has_narrative":true,"complaint_id":"2982320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-08-03T22:50:28.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am submitting this now because I noticed a number of newspaper articles outlining <em>problems</em> stemming from unethical and intentionally misleading practices at Wells Fargo. I thought it was just me and it was impossible to get vindication so I didn't speak out. I've never been treated so poorly by any group or business in my life. I started typing up my call notes because I was so shocked by the behavior I <em>encountered</em>."]},"sort":[9.100581,"2982320"]},{"_index":"complaint-public-v1","_id":"17341168","_score":8.396191,"_source":{"product":"Checking or savings account","complaint_what_happened":"CONSUMER COMPLAINT - CHASE BANK Account Type : Checking Account Issue : Unauthorized debit caused by bank error and employee misrepresentation ; Chase refuses to correct Date of Issue : XX/XX/XXXX Amount : {$74.00} WHAT HAPPENED : On XX/XX/XXXX, I contacted Chase to cancel a scheduled {$74.00} payment from my checking account to my charged-off Chase credit card. The Chase representative I spoke with confirmed the cancellation was completed. \nHowever, Chase 's representative made a critical error : they canceled a completely different scheduled payment from XXXX - XXXX years in the future - instead of the XX/XX/XXXX payment I requested to cancel. I have screenshots and email confirmation proving Chase canceled the wrong payment. \nI did not notice this error in the confirmation email until today because I relied on the representative 's verbal confirmation that my cancellation request was completed. There was no reason to scrutinize the confirmation details when Chase 's representative explicitly told me the action was done. \nDespite this documented error, the {$74.00} payment from XX/XX/XXXX remains pending and multiple Chase representatives have confirmed it will post to my account. \n\nCHASE 'S CONTRADICTORY DEFENSES : Chase is now claiming the cancellation \" wasn't possible '' on XX/XX/XXXX because I called the same day as the scheduled payment. This defense is contradicted by Chase 's own actions and creates additional liability : The representative told me the cancellation was completed - They did not mention any same-day restriction, cutoff time, or impossibility. They confirmed the action was done. \nThe representative successfully canceled a different payment on XX/XX/XXXX - This proves same-day cancellations ARE possible in Chase 's system. Chase can not claim \" it wasn't possible '' while admitting their rep canceled a payment that same day. The fact that they canceled a XXXX payment instead of the correct XXXX payment demonstrates the error was in execution, not capability. \nI relied on the representative 's confirmation - I had no reason to believe the cancellation wasn't processed when Chase 's own employee told me it was complete. I trusted their verbal confirmation without scrutinizing the email confirmation details.\n\nChase failed to inform me of any restrictions- If same-day cancellation has cutoff times or limitations, Chase 's representative had a duty to explain this. Instead, they confirmed completion and successfully processed a cancellation ( albeit the wrong one ). \n\nChase can not retroactively claim their employee misled me about their capabilities and then refuse to correct the resulting unauthorized payment. The representative 's ability to cancel a XXXX payment on XX/XX/XXXX proves same-day cancellation functionality exists- they simply canceled the wrong payment. \n\nCHASE 'S REFUSAL TO CORRECT THEIR ERRORS : I contacted Chase multiple times to resolve this documented bank error. Each time I encountered the following problems : Transferred to wrong departments : Repeatedly sent to Collections, who can not handle charged-off accounts and have no authority over voluntary payments Denied access to proper department : Chase refused to transfer me to the Recovery Department , which actually handles charged-off credit card accounts Multiple representatives hung up on me during the resolution process Provided false information : Chase claimed \" we don't do ACH returns, '' which is factually incorrect. Banks can and do process ACH returns for erroneous debits and can manually reverse internal errors. \nDenied error dispute : Chase refused to process any form of error resolution claim despite my documented proof of their mistake Refused to reverse the payment : Even after acknowledging their representative 's error, Chase refuses to correct the unauthorized transaction WHY THIS IS CHASE 'S RESPONSIBILITY : This situation involves multiple Chase failures : Employee misrepresentation : Chase 's representative told me a cancellation was completed when it allegedly \" wasn't possible '' Operational error : Chase 's representative canceled the wrong scheduled payment - one from XXXX instead of XXXX, demonstrating a severe execution error System failure : If same-day cancellations have restrictions, Chase 's system should prevent them or alert representatives - yet the rep successfully canceled a different payment. The system clearly allows same-day cancellation ; the error was human, not systemic.\n\nReasonable reliance : I had every reason to trust Chase 's representative 's verbal confirmation. Customers should not need to verify that their bank executed the correct action when explicitly told it was completed.\n\nRefusal to remedy : Chase refuses to correct an unauthorized payment that exists solely due to their documented errors Important context : This payment is to a charged-off credit card account. Charged-off accounts have no legal collection mechanism through ACH - these are strictly voluntary payments that I control. Chase has no automatic right to debit these funds. The payment was only going to process because I originally scheduled it, and I properly canceled it based on Chase 's representative 's confirmation.\n\nI acted reasonably and in good faith. I trusted Chase 's representative when they confirmed my cancellation was processed. Chase is bound by what their representatives tell customers. Chase can not make up excuses after the fact and refuse to fix their own documented mistakes.\n\nCHASE 'S PATTERN OF OBSTRUCTION : Chase 's handling of this matter shows a pattern of refusing accountability : First, they blamed me for their rep 's error Then, they claimed same-day cancellation \" wasn't possible '' ( while admitting they canceled a XXXX payment that day, proving the capability exists ) They transferred me to departments without authority to help They refused access to the department that could actually resolve this They provided false information about their capabilities They hung up on me multiple times They denied my error dispute without legitimate justification This is not a customer error. This is not a timing issue. This is Chase making mistakes, misleading me about those mistakes, and then refusing to take responsibility. The fact that their representative canceled a payment from XXXX - XXXX years in the future - instead of the current date 's payment demonstrates a fundamental execution failure on Chase 's part. \n\nWHAT I'M REQUESTING : Immediate reversal of the {$74.00} payment - This payment should never process due to Chase 's documented errors Written confirmation that the reversal has been processed and the matter is resolved Call recordings from XX/XX/XXXX - XXXX request copies of all calls where Chase 's representative confirmed my cancellation was completed Correction of Chase 's internal procedures - Whatever failures allowed a representative to cancel a XXXX payment instead of a XXXX payment, mislead me about completion, and then allowed multiple departments to refuse resolution should be addressed SUPPORTING DOCUMENTATION : Screenshots showing Chase canceled a scheduled payment from XXXX instead of XX/XX/XXXX Email confirmation showing the wrong payment was canceled Screenshots showing the correct XX/XX/XXXX payment still pending Names, dates, and times of representatives who refused to help or hung up [ Include any reference numbers from calls ] SUMMARY : Chase 's representative made an egregious error - canceling a payment scheduled for XXXX instead of the XX/XX/XXXX payment I requested to cancel- and misled me by confirming the action was complete. I relied on that confirmation. The resulting unauthorized payment is entirely due to Chase 's failures- not mine. Chase has a legal and ethical obligation to correct their own documented mistakes. \nI am requesting CFPB 's assistance in compelling Chase to reverse this unauthorized {$74.00} payment and take responsibility for their errors. \nChase can not hide behind false claims of \" impossibility '' while admitting they performed same-day cancellation functionality ( on the wrong payment ). Chase can not blame customers for trusting their representatives ' explicit confirmations. Chase can not refuse to correct documented bank errors, especially XXXX as clear-cut as canceling a XXXX payment instead of a XXXX payment. \nI have exhausted all reasonable attempts to resolve this directly with Chase. I am now considering all available remedies, including small claims court if necessary, but am hoping CFPB intervention will compel Chase to simply do the right thing and reverse their error. \n\nADDITIONAL NOTES : This complaint represents : Bank operational error ( wrong payment canceled - XXXX instead of XXXX ) Negligent misrepresentation ( told cancellation was complete ) Detrimental reliance ( I trusted their confirmation ) Refusal to correct documented errors Obstruction of error resolution process Provision of false information about bank capabilities The severity of canceling a payment from four years in the future instead of the current date demonstrates a fundamental failure in Chase 's processes and employee training. This was not a subtle error- it was a mistake of multiple years that should have been immediately apparent to any competent representative. \nThank you for your attention to this matter.","date_sent_to_company":"2025-11-18T03:30:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92870","tags":null,"has_narrative":true,"complaint_id":"17341168","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-11-18T03:02:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["Chase is bound by what their representatives <em>tell</em> customers. Chase can not make up excuses after the fact and refuse to fix their own documented mistakes."],"sub_issue":["<em>Problem</em> making or receiving payments"]},"sort":[8.396191,"17341168"]},{"_index":"complaint-public-v1","_id":"3551995","_score":7.21859,"_source":{"product":"Debt collection","complaint_what_happened":"My situation does not neatly fit your \" problem '' categories on the previous page, but it comes close. \nBlitt and Gaines PC is a collections firm with a self stated revenue of {$10.00} to {$25.00} XXXX per year. In my situation, they were representing FIA Card Services ( successor-in-interest to XXXX  XXXX XXXX XXXX ). Unfortunately, the attorneys also take on the Dr. House credo that everyone lies, when it comes to defendants, without considering whether the defendant benefits from the lie. \n\nMy account manager at the Blitt and Gaines call center was named XXXX. I never knew his last name and hes no longer employed with Blitt and Gaines. The day before court (XX/XX/XXXX ) XXXX offered a payment plan, that would assist me in getting my credit card debt paid off at a price I could handle, and would allow me to present mitigating circumstances to the judge, which would hopefully, lower the total amount owed. However, for reasons only he knows, he then violated FDPCA rules by obfuscating the content of ourXX/XX/XXXX conversation in his notes to Blitt and Gaines attorneys. The result is that I am now, in dire financial circumstances. \nXXXX gambled, that the attorney would be too lazy to pull the audio file and would assume I was lying. Apparently, he knew the attorneys better than I did. He was right. \n\nBack in XX/XX/XXXX, XXXX stated there were only two people with the authority to lower the total amount due : the lead attorney XXXX XXXX or \" The Judge ''. Mr . XXXX failed to show for court, XXXX claimed hed request that Mr . XXXX review documents I suggested or contact me. Neither occurred. Therefore, I knew ( according to XXXX  directions ), Id have to speak with the judge, in order to show cause for mitigating circumstances. \nThe attorney, who showed up for court onXX/XX/XXXX( instead of Mr . XXXX ), didnt know anything about the payment agreement made onXX/XX/XXXX I didnt know that XXXXXXXX notes were contrary to our actual conversation. Instead, she stated I didnt have a payment plan in place and tried to get me to agree to a higher payment plan. It felt like a cheap car dealership -- bait and switch --. I stood my ground and told her over and over, I already had an agreement solidified the day before and I expected her to honor it. If she still thought I was lying, she needed to pull the audio file from XX/XX/XXXX \nXXXX lies then caused Blitt and Gaines own attorney, to state a truth by omission in court, despite my insistence, that her information was incorrect. She told the court, I had NOT agreed to a payment plan, even though I had just spent 15 minutes in the hallway, telling her otherwise. I didnt know if I was allowed to interrupt court proceedings and tell his Honor the real truth. The Honorable XXXX XXXX XXXX had been quite cross with me onXX/XX/XXXX ( a point I will come to later ) and I was afraid of him. So, I kept my mouth shut. He ended up politely saying I wasnt truthful on a different matter 15 minutes later, so I believe silence was probably the better choice. Apparently the Dr. House ethos is not exclusively among collection attorneys. \nThe salient points of my payment agreement with Blitt and Gaines were as follows : {$100.00} per month was accepted as the payment amount until the total was paid in full. \nIn the audio, youll also hear XXXX give me the web address to make monthly installments and my customer number. Unfortunately, I typed the customer number onto an online word doc and it disappeared when my laptop lost power. \nGiven the sneaky nature of the collections industry, I also made sure XXXX agreed, whether the Honorable XXXX XXXX XXXX lowered the amount due in court onXX/XX/XXXX or kept the amount due the same, my payment amount would remain {$100.00} per month. This was important to me because I believed I had a very strong case for mitigating circumstances. On XX/XX/XXXX, XXXX made a decision that could best be described as an egregious lack of fiduciary account management. They profited from that action, and ruined my financial future. Prior to XX/XX/XXXX, I had never made a late credit card payment, mortgage payment or any other type of payment. \nThroughout our conversation, XXXX  only hesitation was regarding my appearance in court onXX/XX/XXXX To paraphrase & summarize -- If I was having flight problems, he said I needed to solve them or talk to XXXX XXXX. He said, for example XXXX : Tomorrow is Trial. Thats something we cant help, even if you paid the balance in full today, I couldnt tell you, you needed to show up. \nAnd later in the conversation XXXX : Your file number is # # # # # Me : So, if I do make it tomorrow, and if the amount is reduced or whatever ... that's the file number? \nXXXX : \" Yes, online. ... Were all set! '' Me : So {$100.00} per month until its paid whatever the sum amount is '' XXXX : Yes, but I want you to get the specifics from him because I cant give you specifics. I don't know that many of them. \nMe : \" The specifics regarding tomorrows court appearance Right? \nXXXX : \" Right. Correct. I'm not an attorney. '' I left a message on Mr . XXXX voice mail as soon as we disconnected. But, I made it to court on XX/XX/XXXX so, it was a mute point. \n\nI told the whole XXXX  XXXX XXXX story in court ( albeit, badly ). The Honorable XXXX XXXX XXXX rendered his opinion several days later on behalf of the Plaintiff for the full amount. I asked a neighbor to intercept my mail and look for correspondence from Blitt and Gaines. I assumed there would some type of acknowledgement sent regarding the payment plan. As mentioned above, I had lost my account number and could not make an online payment without it. Then, thirty days afterwards, I saw a Garnishment online. But the garnishment did not state a dollar figure or percentage. And, a garnishment for {$100.00} per month seemed a little extreme. I wondered if it was merely a back-up plan. So, I sent three emails to Blitt and Gaines through their secure server attempting to get my account number. At the time, I was working graveyard shifts and unable to call during the daytime. Blitt and Gaines replied that they were unable to give me my account number by email. \nI never assumed Blitt and Gaines would breach our agreement. I had been emphatic about the existing payment plan when speaking with the attorney. I also knew, a verbal agreement that is recorded at the consent of both parties, carries the same weight as a signed agreement. I believed the attorney would pull the audio file, not only because it was her job to do so, but because, I had nothing to gain by lying about it. \nI should mention here that I have worked the same Part Time job for 25 years. I get medical insurance for my husband and myself, the company has made many accommodations for me and its a job I cant afford to lose. With the exception of airfare, travel costs are out of my pocket. XX/XX/XXXX was a terrible year after the XXXX  incident. I didnt make any profit and I ended below Federal Poverty Level. XX/XX/XXXX wasnt much better. But XX/XX/XXXX was looking much better and I was able to afford longer stays out-of-town which meant, higher profits. The first garnishment came out mid XXXX. The check reflected several days pay. Blitt and Gaines took {$240.00}. I received a check for {$15.00}. \nMy self delusion at that point was that Blitt and Gaines was still honoring our agreement. I believed Blitt and Gaines had just deducted {$100.00} for XXXX, {$100.00} for XXXX and {$43.00} for half of XXXX. But, with only {$15.00} at hand, there was no way I could work the next two weeks I was scheduled. {$15.00} would only get me a shuttle ride to the airport so I could fly back to XXXX   XXXX. I was going to lose two weeks of income and I was {$350.00} in debt to the proprietor of the home I had been staying in. \nTwo weeks later, I received the pay stub for the week I worked before coming back to XXXX XXXX. This is when I discovered that his Honor had approved a garnishment beyond our agreement. Blitt and Gaines took {$220.00} and my pay was {$0.00}. I had told the Honorable XXXX XXXX XXXX in court, that I was caring for a husband with special needs. I hated to say it out loud and make my husbands mental illness part of court records but it was necessary at the moment. Was it not clear that I was head of household in that situation? I dont understand how his Honor could approve a 25 % garnishment! My husband is on Social Security XXXX. Was I supposed to walk around with his medical records? \nI had no income from XXXX, I was in debt from XXXX. I called my utilities and asked them for leniency. I sold my stovetop on XXXX Marketplace which, gave me a little money to live on through XXXX. But, I could not afford to work in XXXX either. Frankly, I felt paralyzed. It was as if I was getting jammed by BOA all over again. I borrowed money so I could afford to work in XXXX. I made enough to send a few dollars to the gas company and the electrical company. I have not worked in XXXX or XXXX. My water and phone service has been cut off. Theres a large hole in my kitchen countertop where my stovetop used to set and Im cooking on hotplates. \nIt was not until mid-XX/XX/XXXX, that I found out why Blitt and Gaines was in breach of contract. \nA Blitt and Gaines call center employee named XXXX XXXX read me the notes that XXXX had made regarding our payment plan onXX/XX/XXXX. She said he wrote that we discussed a {$100.00} payment but it needed to be approved. The approved statement was never mentioned. \nXXXX then transferred me to a Manager named XXXX XXXX who said that XXXX notes read that he offered {$100.00} per month but I turned it down. I told Mr. XXXX, he only needed to listen to the audio file, to hear that was not true. I asked Mr. XXXX if I would have received an acknowledgment of my payment plan under normal circumstances. Mr. XXXX said that Blitt and Gaines does not mail payment plan confirmations to anyone unless the payment plan is court ordered. Mr XXXX then asked why I didnt make a payment online. I told him about the emails, along with B & Gs refusal to give me the account number. Mr. XXXX then said that my payment plan was automatically voided because I did not make a payment within 90 days of the judgment. I told Mr. XXXX the garnishment was supposed to take effect 30 days after the judgment. Without much to say after that, Mr. XXXX said hed review the audio file and get back to me. As is typical with every encounter I have had with this firm, he didnt. I sent him follow-up emails. He never replied. So then came the search for the attorney who actually showed up in court. \nAccording to court records, the female attorney was XXXX XXXX. She was one of the three people I had emailed back in XXXX. I found a photo of XXXX in XXXX, she was NOT the attorney I spoke with. The Blitt and Gaines website was no help and neither was the XXXX website. By going through the ladies listed on the XXXX  XXXX XXXX website, I was able to find a photo and identify the attorney as XXXX XXXX XXXX. \n\nI dont know if it matters but I mentioned above that I would expand on the XX/XX/XXXX incident so, here it is : On XX/XX/XXXX ( the day before the first court date/petition date ). I called XXXX to tell him I couldnt get a nonstop flight into XXXX  XXXX by XXXX. \nXXXX put me on hold. Then, XXXX came back on the phone and said Id been given a continuance for a later date. \nReally? \nBlitt and Gaines had tried to serve me fromXX/XX/XXXX to XX/XX/XXXXand court documents clearly read No further continuances shall be granted absent good cause shown ; Therefore, I was highly suspicious that a continuance was granted while I was on hold for 3 minutes. \nI hung up with XXXX and called the court clerk in XXXX  XXXX. The court clerk said I wasnt given a continuance and read the same information I saw online. I called XXXX back immediately to verify the continuance date without telling him, I spoke with the court clerk. To me, this was a clear violation of FDPCA rules. It was a trick to get me to not show up! \nTo get to XXXX XXXX by the morning court time, I flew to several cities and had been awake for more than 24 hours. I found a photo of XXXX XXXX online, so I could recognize him. \nWhen my name was called in court, a woman standing in front of the judge said I was told you werent going to be here. I now know, that was Mrs. XXXX. \nI ignored her and told the judge that Blitt and Gaines tried to trick me into not showing for court and that, I had called the clerk. \nHonorable XXXX XXXX XXXX, became quite irritated with ME. The Judge told me that his clerk had no business telling me anything. He said the Blitt and Gaines attorney was just about to ask for the continuance which, he would have granted. \nI looked around the court. XXXX XXXX wasnt there. I asked His Honor how Plaintiffs attorney would ask for a continuance, when Plaintiffs Attorney wasnt there. \nMrs. XXXX said she was the Blitt and Gaines attorney. \nCompletely embarrassed, I asked arent I supposed to receive notice if counsel is changed? \nThe Honorable XXXX XXXX XXXX tone became very stern. I dont remember his exact words but the gist was shut up. A court date was set for XX/XX/XXXX. \n\nI had the distinct impression that persons in debt, are generally considered a nuisance and should consider themselves lucky to have an audience with his Honor. Whether a continuance would have occurred if I had not shown up, I'll never actually know.","date_sent_to_company":"2020-03-05T15:34:32.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"64155","tags":null,"has_narrative":true,"complaint_id":"3551995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Blitt and Gaines, P.C.","date_received":"2020-03-03T13:34:29.000Z","state":"MO","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["They profited from that action, and ruined my financial <em>future</em>. Prior to XX/XX/XXXX, I had never made a late credit card payment, mortgage payment or any other type of payment. \nThroughout our conversation, XXXX  only hesitation was regarding my appearance in court onXX/XX/XXXX To paraphrase & summarize -- If I was having flight <em>problems</em>, he said I needed to solve them or talk to XXXX XXXX. He said, for example XXXX : Tomorrow is Trial."]},"sort":[7.21859,"3551995"]},{"_index":"complaint-public-v1","_id":"7503428","_score":6.1021147,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is regarding my treatment as a consumer at US Bank and their mishandling of my money. I have been with US Bank for nearly 20 years and I have had multiple accounts with them including most recently : one checking account, 5 CDs ( ~ {$10000.00} total ), a credit card ( {$18000.00} limit ), a brokerage account ( {$470.00} ), and a reserve line for overdraft protection ( {$2500.00} ). I am the sole account holder on all of my accounts. My mother lives about XXXX miles from my local US Bank branch and her address is my permanent mailing address. I live in the XXXX and moved here in XXXX  for school. I have had this bank for so long, it has been with me through many life changes. When I first opened my account, I was dirt poor, living in poverty and receiving state assistance. My bank has followed me on a long journey through many trials and tribulations of life, change, and personal growth. I worked my way through school, survived domestic abuse, and eventually moved to XXXX XXXX XXXX to attend XXXX University for my XXXX XXXX. I was so poor when I attended XXXX that for two years I rented a living room in a XXXX apartment, slept on the floor with no furniture and my belongings beside me, with sheets hanging from the ceiling to give myself a room. I was so poor that I did not leave the XXXX until I was XXXX XXXX XXXX, when I moved to XXXX for an internship after completing my XXXX XXXX. From there, I got a position as a US Department of Defense contractor and for the next several years, I worked at XXXX on XXXXXXXX XXXX XXXX XXXX. I decided to pursue my XXXX  at the University XXXX XXXX in XXXX, XXXX where I excelled, and now I work in XXXX as a professor at a wonderful university. Before I left the US to pursue my XXXX, I put nearly all of my money into CDs for a rainy day or emergencies. My attachment to my bank and my bank account is a reflection of how far I have come in my life journey and though I moved to the XXXX, this relationship with my bank is not an easy one to part with and I decided to keep my US Bank accounts when I moved in XXXX. I have since decided to stay in the XXXX for the next long while since I have a permanent academic job now. \n\nI called US Bank on XXXX XXXX and candidly explained that I now live in XXXX and am applying for a mortgage for my first-time home purchase. In order to gather enough for my downpayment, I asked to early withdraw three CDs at US Bank totaling {$6000.00} that were yielding extremely low interest rates and far from maturity ( two at 0.15 % APY, and another at 0.74 % APY ). I asked for my remaining 2 CDs to be left alone as they will mature next year and while the interest rate is low for this market ( 2.1 % and 2.3 % ), I plan to renew them next year at a higher APY. I also explained that after this transaction of early withdraw on the XXXX CDs completes, I will need to do an international wire transfer from my US Bank checking account into my XXXX XXXX XXXX XXXXXXXX checking account. \n\nDuring my conversation of closing the XXXX CDs, the US Bank customer service representative on the phone explained the penalties and fees for my early withdraw and I agreed to all of them. I calculated that I will benefit more from a larger downpayment on my home, than leaving the CDs to mature at their interest rate. And, while the size of the CDs is modest, the fees and penalties do not really impact the final value in my view. He stated that it may take 1-2 business days for the transaction to complete. On the topic of an international wire transfer, he took down my XXXX phone number and said he would call me back to explain my options. \n\nOn XXXX XXXX I saw that the CD withdraw and transfer to my US Bank checking account had completed but I did not receive any phone calls from the bank to discuss the international wire transfer. I called the customer service line to request information about how I can do the transfer. I also logged into my online banking account. Online, I was prompted to update my phone number in the system before I could access my accounts, but it would not accept my XXXX phone number. The phone number that had been on file was an old one that has since been disconnected. I asked my sister if she would allow me to use her XXXX mobile number and she agreed so I updated my phone number in my account to hers. At this point, from then on, any time that I called the US Bank customer service line -- even for information -- I was prompted for a one-time verification code in real-time before any agents would speak to me. My sister provided me with the codes that were being sent to her phone, though on several occasions she was not able to provide it to me fast enough which meant that I could not continue with my call to customer service. This resulted in me making many calls to US Bank customer service, some were to discuss my options and for informational purposes, and others were to attempt to make a transfer. Different customer service agents provided me with different information on each call. The inconsistency was confusing, not least because I viewed them as the authority about how transfers work, having never done one with this particular checking account before. For example, an agent would tell me that an international transfer over the phone is allowed since I am out of the country, but that my call would need to be transferred to another department. Upon the transfer to another representative, they would provide me with different information and options, leading me to tell them I would need to think about it and call back. When I called back, agents would tell me completely different information about transfers and how they work. This led to many one-time verification codes between my sister and myself I counted approximately 12 codes verifying me between XXXX XXXX and XXXX XXXX, several of which involved multiple verifications during single calls to customer service. \n\nAt the same time, I did an early withdraw of two CDs with XXXX XXXX  in the amount of {$22000.00}. I am the sole account holder on all accounts. The XXXX CDs were closed quickly and were deposited into my US Bank checking account on XXXX XXXX. \n\nTo deal with the real-time verification codes, I therefore arranged to call US Bank at times when my sister said she would be available to help me to forward the real-time code verifications to me. Each time I called the customer service line, I candidly explained that the phone belongs to my sister, that I am living in the XXXX, I am calling from XXXX because its expensive to call the XXXX, that I have no ability to come in-person to a branch, that am getting my savings together for a mortgage downpayment for a home purchase in the XXXX, and that my goal is to ultimately transfer some of the funds in my US Bank checking account to my XXXX bank account. \n\nOn another login to online banking, I was randomly prompted to reset my password. One of the options that the customer service agents gave me was to do an international wire transfer and that it was no problem- I could do it all at once. This contradicted information that I had been given earlier. Another option was to use XXXX but it is limited to domestic transfers only and transfer amounts would be limited to {$3500.00} per day and {$15000.00} per month. These limits meant that the soonest I could have funds in my XXXX account would be XXXX, which means I may need to delay my home purchase. Information about these options shifted depending on which customer service representative I spoke with. After being transferred to several customer service agents, and then calling back one additional time to confirm the information that the last agent gave me ( the inconsistencies were difficult to follow! ) I understood that it was against policy for me to initiate an international wire transfer over the phone. I called back to the customer service line to file a complaint with the first representative that I spoke with, and asked her to pass my complaint to her manager, that I have been given grossly inconsistent information and it has taken a lot of my time on hold to the bank to even understand that I was being given inconsistent information. I then called my local US Bank branch in XXXX XXXX, Oregon and spoke to the branch manager. I explained what I was trying to do and the difficulties that I was encountering. He said that I should write myself a check and cash it in my foreign bank. I did not bring US Bank checks with me when I moved to the XXXX, I asked if it was possible to send them to my XXXX address or if I needed to send them to my mothers address on file. Based on the information that I was given, it sounded like ordering new checks would take much longer than doing a transfer of funds, even with the XXXX option and having my sister complete the international wire transfer. \n\nGetting frustrated with the time it was taking me waiting on hold for so many calls to the customer service line, I decided not to pursue an international wire transfer at all. So, on XXXX XXXX, I ordered checks through the online banking system and had the option to specify either my address on file ( my mothers near the bank branch ) or an international address. I opted for the international address. I received an email confirming that I had paid for the new checks. I called the customer service to get more information about how long it would take to arrive and they explained that the order will likely be rejected because they cant ship checks internationally. To this day, the status online is just pending and I can not get any updates on the checks that I ordered. \n\nAlso on XX/XX/XXXX, I arranged a time with my sister where we both sat on the phone together to do a domestic wire transfer of {$28000.00} from my US Bank checking into her XXXX XXXX checking account. First, I called the bank to confirm that this is allowed and possible, unlike the international transfer. The agent assured me that this was possible and would be quick. I then got on the phone with my sister and the bank to do the domestic wire transfer to my sister ( from US Bank XXXX XXXX XXXX ). We completed the transaction on the phone and I was told it would take just a couple of hours. Several hours later, I received a call from my sister that US Bank called her but were unable to say why. So I immediately called the bank back and was told that XXXX of my CDs on the early withdraw had a problem because the penalties could not be waived. I had never asked for penalties to be waived so I was very confused. I was then transferred from department XXXX department, ending up with a very aggressive customer service agent. He told me that he thought I was a criminal, that what I am trying to do is illegal, and that I need to be physically standing on XXXX soil in order to do my banking. I told him that I wanted to speak to his manager, but he said his manager was unavailable. So I asked to be transferred to someone else. He did not transfer me and I was put into the automated online system and asked to re-verify myself again by PIN, and at some point was disconnected from the phone banking system. I called back and explained that I was not happy with the way I was treated. The customer service representative explained to me that one of the three CDs that I was withdrawing had an issue and was credited back to my CD account, leaving insufficient funds for my transfer. She said she was not able to provide me with more details about the CD but said that it should automatically resolve after the XXXX XXXX weekend, with business resuming on Tuesday XXXX XXXX. Seeing that this transfer of funds was going to take much longer than 1-2 business days, I decided to try the domestic transfer to my sisters XXXX XXXX account XXXX the XXXX service available to me in online banking, and also XXXX. Keeping in mind the daily and monthly limits as I mentioned above, I initiated a XXXX transfer of {$3500.00} and a XXXX transfer of {$3000.00} to my sisters account. \n\nOn XXXX XXXX, I called US Bank customer service to check on my CD and the two transfers. I learned that a hold had been placed on my account and that I needed to speak with the local US Bank branch. During the transfer, I was disconnected. I called back three times and was continuously disconnected. When I finally got through, the person at the local branch named XXXX explained that he thought my account looked suspicious and that he had placed a hold on my account. He asked me several verifying questions. I answered them correctly. I explained my situation to him, that this is for a mortgage downpayment and that I ultimately need to move the funds to my sisters account so that she can do an international wire transfer. He agreed to put a note in my account so that I could do several transfers each day ( XXXX XXXX and XXXX Transferwise ) until the desired amount of funds had been transferred to my sisters account. I then had to call back to US Bank customer service to discuss the CD issue, and the representative said she could see the notes on my account and she said that she completed fixing the issue with my CD. In other words, re-doing the early withdraw of my CD in the amount of {$2900.00}, except that since a couple days had passed, the amount was going to be instead {$2900.00}. I agreed to this. \n\nBoth my XXXX and XXXX domestic transfers are still pending and my CD has not yet been fixed at the time of writing this. I am tired of being on hold with the bank, and its interfering with my health to spend so many hours on the phone when I have a full time job. In addition, the uncertainty of how long it XXXX take me to access my funds is postponing my application for my mortgage which is costing me money as XXXX interest rates are changing. If I can not retrieve my money from my US Bank account, I will be forced to do only a 10 % downpayment on my mortgage instead of a 24 % downpayment as I have planned for. This difference in the downpayment will cost me tens of thousands of dollars in interest and is difficult to recover from. Being treated as a criminal has had a severe impact on my well-being and the conduct of the representative that I mentioned above was beyond unprofessional it is mortifying, derogatory, and humiliating. I was poor when I opened my account with US Bank, and now, Im still poor after all of my years of hard work blood, sweat, and tears to make something of myself and be somebody. Not to mention my service to this nation. In all of my 6 years living abroad, I have never felt so alone, so far, and so disconnected from my own country as I did on XXXX XXXX when the customer service representative called me a criminal. My savings was for a rainy day or emergencies, and the thought that this still would have happened to me in a genuine emergency makes me so incredibly scared. Locking someone out of their hard-earned money is not security, it is a form of fraud. Giving me inconsistent information and then locking me out of my account is not security, it is criminal. US Bank has committed gross misconduct and should be held accountable for the impacts it has on the rest of my future. What is the point of having money? What was all of my hard work for? I'd rather be dirt poor again than feel the way US Bank has made me feel about myself. I bawled my eyes out on Friday night ( XXXX XXXX ) after that call with the agressive representative. I bawled my eyes out again tonight on the phone with the Consumer Finance guy who treated me like a human being. At this point, I bet there's so many flags on my account that even if I came to the bank in-person, I wouldn't be able to withdraw any of my money. And it's because your customer service representatives led me down a winding rabbit hole to XXXX. I'm not going to stand for this. Give me my XXXX money so I can buy a XXXX house.","date_sent_to_company":"2023-09-06T02:21:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"97502","tags":null,"has_narrative":true,"complaint_id":"7503428","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-09-05T23:39:07.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["For example, an agent would <em>tell</em> me that an international transfer over the phone is allowed since I am out of the country, but that my call would need to be transferred to another department. Upon the transfer to another representative, they would provide me with different information and options, leading me to <em>tell</em> them I would need to think about it and call back. When I called back, agents would <em>tell</em> me completely different information about transfers and how they work."]},"sort":[6.1021147,"7503428"]},{"_index":"complaint-public-v1","_id":"3511192","_score":5.9243402,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"{ NOTE : Not knowing your websites documentation box capacity, Im sharing with you that this was 6 pages as I worked on it in MSWord. So you will know you have it all, I put === THE END === at the very end of the document. If you dont see XXXX THE END === you do not have my total document. If that is the case, please let me know what I must do to get the whole document to you so this matter does not get any worse. Thank you. } During the second quarter of XXXX, I shopped for and bought a XXXX XXXX XXXX  XXXX from XXXX XXXX. It was my wish to finance the car through XXXX XXXX XXXX XXXX XXXX in my hometown of XXXX, NE, with which I have a 50+ year relationship. They gave me an almost certain verbal approval but said they required 10-14 days to process the loan and get the money to XXXX. XXXX  said they could not and would not hold the car that long but said they absolutely, positively could secure my financing. I chose this alternative as the car was one I really liked and wanted. I filled out XXXX   necessary paperwork and got approved by several lenders and with XXXX XXXX assistance picked the one that seemed to be most favorable. XXXX   delivered the car on XXXX when I also signed a whole bunch of documents. XXXX  told me the finance company would be in contact with me in the future to provide me with a welcoming kit, the sales contract, a payment book, etc. so as to begin the relationship. This all seemed standard, acceptable procedure to me, as it had been many years since I had financed a car. After about a month, I called XXXX  and asked why I had not heard from the finance company. I was told to calm down and be patient. XXXX  said you have the car and they will be in contact because theyll want their money. I called one other time a few weeks later with the same inquire and was told the same thing. I also asked XXXX  if they could possibly send me a copy of the sales contract. They said they had done so already but would send it again. As unprofessional and flakey as that had been throughout the whole selling process, this did not raise any red flags to me. On or about XX/XX/XXXX, I was contacted by a woman who identified herself as XXXX XXXX with Ally Financial. This was my first Ally contact of any type. She started out with a stark attitude treating me as if I was an irresponsible, low-life, credit deadbeat. She demanded to know why I was not making payments on my loan. I relayed all XXXX  had told me and that I had received nothing from any finance company to date. She countered saying that was not possible, as Ally had been billing me. I repeated that I had received nothing from any finance company and asked where have you been sending what youre saying youve sent? I discovered then and there for the very first time Ally was using a WRONG address and that wrong address had been given to them by XXXX  -- not me! XXXX rectified to the correct address. I asked if ALL previously mailed correspondence could be re-mailed. XXXX said she would try, but she was not sure if it would be possible. Really? To me, this was quite unprofessional consider this situation had not been caused by me. We talked further and XXXX agreed it definitely would be acceptable to Ally for me make payments of {$320.00} ( my required payment is {$310.00}?? ) from my next 3 paychecks ( to my best recollection of exact dates ) on XX/XX/XXXX to cover the XXXX payment, XX/XX/XXXX to cover the XXXX payment and XX/XX/XXXX to cover my XXXX payment due XX/XX/XXXX. This is exactly what I did! During this same conversation with XXXX, I point-blank asked if this mistake caused by XXXX, which was absolutely no fault of mine in that I had no way of knowing Ally had been given the wrong address, would impact my credit bureau reports. She assured me it would not considering the circumstances. By the time we ended the call, XXXX had abandoned her affronting collection approach and had become very nicely civil in tone. From then on, I made payments on time until XX/XX/XXXX. Several months after my call with XXXX, my credit bureau alerting service notified me via email that I had two 30 day lates, which amounted to being 60 days late scored against me on all three of my credit bureaus, which sadly made what XXXX had told me not true! When I called to inquire about this with customer service, I was meant with snarky sass and told, I was late and Ally was correct. When the call ended I was in major frustration and total disbelief than any company would be so blatantly unprofessional as to negatively mark someone for something that they knew full well was completely out of their knowledge or control. I called customer service 4 or 5 other times and continued to seek to have those inappropriate, unfair, unjust, egregious marks removed from my credit bureau reports. Each time I had to try and work through an unbelievably difficult English language barrier with people who spoke the language very poorly and seemed to fully lack the capability to sufficiently understand the syntax of what I was trying to explain. One of the agents said no one in customer service could help and the only way there might be a remote chance of any assistance would be to email some other ( I think she said back-office ) department that might give consideration to looking into this matter. When I asked for that email address or a telephone number, I was told neither one was something Ally ever shared but she said she would be sending an email on my behalf. On one of the subsequent tries, in that I had grown tired of being stonewalled, I finally decided to ask to speak to a supervisor and I was told they could not help me because I had been late and ended that call without ever giving me any time to provide the reason I was asking for some fair, professional treatment. After demanding to speak to a supervisor on a follow-up call, I learned I was again blatantly lied to and that no email had ever been sent! This supervisor promised he would take care of sending the details but I would have to be patient as it could take several months to get an answer. Several months, really ; just what kind of pathetic customer service is that if not just plain harassment? I asked if there was only just one person in that department and was told no, thats just how long it takes. I explained my medical loan need for a swifter reply and was further belittled with, sorry. I had been in the process of getting a loan for serious personal medical reasons and I had been approved, however, during the banks final pre-funding loan review the credit report negatives showed up on my bureau reports and my loan was table until such time as I could get the negatives cleared and removed. Sometime thereafter I received a curt letter from Ally saying their review found their actions extremely accurate and they would be making no adjustments! How is that not other than deliberate, abusive harassment? Needless to say, because of my health condition and my desire to keep living life as the most important thing to me, I tried again to get Ally to both understand and cooperate and remove the grossly unjust credit bureau marks. Again with the help of yet another supervisor, a resubmission was done and the same letter was sent again weeks later. In the meantime, my bureau alert service informed me that one of the 30-day lates had been removed. What a disgusting unprofessional slap in the face insult. How could I be not late for just one month when there were originally two months when XXXX XXXX made initial contact with me? To this day, I have never received the contract or any of the initially mailed introductory paperwork as several times promised more deception. To me, Ally has been a company that projects hate where most others provide positive, caring customer service that shows compassionate cooperation in such trivial clerical matters. \n\nIn early XX/XX/XXXX, I got a call from my personal bank, XXXX, inquiring about a just made $ 600+ charge, which we quickly concluded was a fraud and not mine. The bank, for mine and their mutual defense and protection, froze my account for a week to stop any additional fraud hits, which I was told was a very standard banking operating procedure. Since XXXX, I have been a repeat target of identity theft fraud in the thousands and thousands and thousands of dollars and I am very sensitive to the XXXX and expense it brings into ones life. Having banked with XXXX  since XXXX, I trust and believe them as they have always worked positively in my best interest. The XXXX  agent NEVER mentioned to me that any other payments which I might have in process would also not be honored. They included my electric bill, my gas bill, my XXXX XXXX bill, two VISA payments and my payment to Ally made on XX/XX/XXXX. In that I was on record with XXXX  for a payment of {$320.00} prior to the XXXX day of each month to Ally I had absolutely no reason to even consider thinking my Ally payment or any of my other regular, on-record payments in process with XXXX would not clear. As soon as I realized the magnitude of this situation, I immediately called XXXX to notify them I would be making extra, out-of-sequence payments to Ally and the others so as to show good faith to Ally and my other accounts during the fraud matter and to catch up as quickly as possible. Fraud is XXXX and no one likes being a victim but it sadly is an ongoing condition attacking all banking far too often and I erroneously had thought Ally would be much more knowledgeable and far more understanding then they have been. On XX/XX/XXXX I made another {$320.00} payment, the maximum payment amount on record with XXXX. A week or so thereafter I noticed none of the Ally payments had not while all my others had. Ally is slower than any other online payments I make each month in doing their payment processing. After all, Ally has done to me, which I personally feel is very unethical and unfair, I can not help but think they might slow payment processing so as to gain the ability to charge the maximum amount of interest possible. I called XXXX  and asked rather pointedly why in the XXXX they were returning my payments. They stated they were not. I then asked what was going on. The fraud agent said he could only speculate. One thing he mentioned was a computer spike that might have altered the data within the Ally system, which he said was the most frequent reason he had encountered during his tenure with XXXX, so as to make them not process correctly. As a related aside, Ally has one of the most difficult, confusing, convoluted websites of any I have ever used or have had to try and figure out how to navigate so as to be a responsible on-time borrower. While talking with Ally personnel who are supposedly designated as website trained for client assistance is, for the most part, a waste of time. Another thing the fraud department man mentioned was that some penny-pinching finance companies are known to freeze payment accounts solely because they dont want to pay bouncing fees thereby causing their patrons payment not to post. I questioned him in that I was not fully capable of comprehending why any entity that needs and wants to collect money from their accounts would do something so exceeding counterproductive and stupid so as to get into their own way and cause themselves extra work. He said he was able to see payment attempts but could provide no reasons and encouraged me to repeat my payments to show good faith and keep myself from being put into a more negative light. I did just that on XX/XX/XXXX and XXXX and the same thing happened again! When I called XXXX  again another agent also said often times financial institutions unscrupulously will freeze customer payment accounts, which she said XXXX never does, solely to be able to charge more interest, penalties and late fees as an additional revenue source. When I told her I had learned I was marked with more credit bureau late payments dings, she said, thats part of their game. When I asked her if Ally was allowed to call former and current employers, relatives or friends as they had done her reply was, oh my god. She said all I could do was ask for the lock to be lifted and hope they did so, and then make the payments again, in that having my grandfathered free ( absolutely ) no-frills checking account which does not have many features of which online banking is an unavailable one. Additionally, I no longer have and have not written any actual paper checks for decades. Furthermore, I had never in my life heard of any financial institution being stupid enough or mean enough to unprofessionally block methods of payment when their goal is to be paid! \n\nFully frustrated and disgruntled with the abusive, negative customer service ( my personal evaluation ) up to this point in time, I decided to try to see if anything in the realm of real customer service might come from using the online chat, which is a gross misnomer in that it is a typing exercise. I was on my computer for > 2 hours. Very little was accomplished other to have the Ally typer accuse me of changing my account number really you just cant make up this stuff. I proceeded to type to him that when I made my very first payments I properly loaded my bank account information correctly and all of my subsequent payments posted properly until my bank suspended all my payments solely do to the outside fraud attack. The Ally typer proceeded to insinuate I had changed my account number considering I had shared XXXX with him and he had typed to me he was looking at XXXX. I made it clear to him I did not appreciate him typing I had deliberately done something to intentionally cause myself all this grief, frustration or stress! Come on really? I then typed him if he could tell me what checking account number was at that time loaded into my Ally pay module and he said he could not. He typed, I could clearly see that on my account. I then typed him as to how I could do that because in all the time Ive been using the misfit website there was no time I saw any way to verify my checking account information input. I typed him why my account had been locked out of use in the first place and he typed something illogical as a reply. I then typed, how do we solve this problem? He typed nothing of substance but again went out of his was to insinuate it was all of my doing. I typed, he was abjectly wrong! When I carefully go to input my checking account information and very carefully making sure it is correct, the Ally website gives me an error message that reads an account with this routing number and checking account number has been locked out! He again typed noting which could be concluded as an intelligent reply. I also typed to him if my account had been XXXX as he so disgustingly tried to insinuate, there would be no way the right checking account information with XXXX would be locked out as it would be brand new to the Ally system. One last time I typed two questions : 1 ) Why was my checking account locked out in the first place after I had talked to numerous Ally people a few of which were totally aware of the whole situation? 2 ) Why does Ally deliberately and now seemingly intentionally doing everything in their power to escalate this convoluted situation even further? When what was typed back was void of intelligent, logical answers, I decided it was time to end my chat with this poorly programmed tree stump. \n\nI finally got the attention of their presidential escalation department ( I think that is what they call it ) and was called by one of the most affronting, unprofessional, rude individuals I have encountered in my life. Ally could not train an individual to be a worse representation of pathetic customer service or public relations. She is incapable of shutting up and stopping from interrupting long enough for someone to detail the entire subsequent problem. She was more intent on spewing rules and procedures and being threatening and condescending. The manner in which she presented herself caused me to believe she had already made a decision and her only remaining task was to cram it down my throat. When I was finally able to squeeze in a few questions, I got abrupt answers. I asked if she thought she and Ally were even close to being fair and I got more verbal flack. When I asked why my account was locked, she avoided any logical answer, just as the typer had, beyond again spewing procedure and then insinuated it all of my doing. I was on the phone with this woman for 20+ minutes and the whole ordeal was a disgusting harassment when I had hoped after the initial introduction that Ally FINALLY might be stepping up to the plate to do something that just might be fair and just. This women, who only would identify herself as XXXX  ( sp? ) at extension XXXX, which by the way did not work when I tried to call her back to find out why she had not called me at XXXX XXXX  the next day as she had voluntarily promised she most definitely would and for which I took the time ( and money ) off from work to respectfully honor her supposed return call with the continued hope of finally receiving some fair justice in both of these credit bureau situations caused by Ally. When I called the phone number she gave me the second time a few minutes later after realizing I had been given a wrong extension, I spoke with and worked with a fine, knowledge, compassionate, professional gentleman named XXXX at extension XXXX, who was so apologetic for the previous day. He said he would be more than happy to try and help me and he was so great in all of his attempts and again apologized. He was not sure if he was going to be able to take over the case or not I could only hope and pray, as I have no desire to ever speak to the previous woman ever again. Finally, to top all of this off, the next day at about XXXX XXXX  she had the city police department come to my home, pound on my front door and interrogate and embarrass me like a common criminal in front of all of my neighbors for over half an hour. Fortunately for me, I was able to cajole them into not taking me to the police station with them which would have made this whole horrible situation worse and further compound my life by causing me to be a no-call-no-show at work! At the end of the ordeal, one of the officers explained to me that according to the law they are required to do what they did even if they clearly and completely feel they are being used as a deliberate form of harassment or retaliation, which he said happens far too often, in a civil dispute just to avoid their liability for those times that might have a real significant substance. Ally is also sending me ugly, severely threating letters and with them, they are treating me like I am a calculated criminal individual who is trying to defraud them when all the while everything that has happened has NOT been any fault of mine whatsoever and I have very diligently and have deliberately continued to sustain my desire to clearly show I want to make all payments and get this matter completely resolved. I did not provide the wrong address nor did I ask to have my ONLY FORM OF PAYMENT locked so I would look like I was someone who did not care and was, in fact, the deadbeat Ally is seemingly trying to set me up to look like I am with their unorthodox, unexplainable, deceptive, manipulative practices and processes. \n\nWhat I would like, if you fine people at Consumer Financial Protection Bureau can make it happen, is to have my XXXX account UNLOCKED within the Ally online payment portal so I can the very next 4 days thereafter make payments each day of {$320.00} so as to bring my account current, if you can make it happen before XX/XX/XXXX, my XXXX due date. I would also love to have all of the lates removed from the Ally sections of my credit bureau reports so I can get the loan processed to be able to move forward with my personal health crisis and substantially lengthen the estimated amount of time I have left to live. And finally, I would like all penalties, late fees and extra interest subtracted from my Ally account. And If I have to continue dealing with Ally to accurately, finally resolve this matter, I would really like to do so with XXXX as I really do not want any more contact with the other woman for the rest of my life. I look forward with great anticipation to learning what you might be able to do to resolve this matter at your earliest possible convenience so they do not escalate this matter to the point of repossessing my car. The people who referred me to your agency spoke very highly of your effectiveness, your promptness and your ability to solve even the most complex problems in a favorable manner for the complainant ; one person even said you might be the most efficient bureau in the federal government. \n=== THE END ===","date_sent_to_company":"2020-01-28T00:13:48.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"92009","tags":"Older American","has_narrative":true,"complaint_id":"3511192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2020-01-27T23:59:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I finally got the attention of their presidential escalation department ( I think that is what they call it ) and was called by one of the most affronting, unprofessional, rude individuals I have <em>encountered</em> in my life. Ally could not train an individual to be a worse representation of pathetic customer service or public relations. She is incapable of shutting up and stopping from interrupting long enough for someone to detail the entire subsequent <em>problem</em>."],"sub_issue":["Billing <em>problem</em>"]},"sort":[5.9243402,"3511192"]},{"_index":"complaint-public-v1","_id":"3705590","_score":5.8211565,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX CFPB COMPLAINT ON FRAUDULENT 14 YEAR OLD HELOC FORECLOSURE COMPLAINT DEAR CFPB, ALL THE INFORMATION BELOW IS EASILY VERIFIED BY DOCUMENTATION AND TELEPHONE RECORDINGS WITH ALL RELEVANT PARTIES. PLEASE FIND BELOW, THE RELEVANT INFORMATION AND DOCUMENTS NECESSARY FOR YOUR REVIEW OF WHAT WE AND OTHERS KNOW TO BE A FRAUDULENT, ILLEGAL, UNDOCUMENTED ATTEMPT TO TAKE OUR HOME VIA AN ILLEGAL FORECLOSURE COMPLAINT BASED ON A PREVIOUSLY DISCHARGED, THEN CANCELLED, THEN TIME BARRED, THEN DISCHARGED AGAIN DUE TO STATUTE OF LIMITATIONS, ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT, ( HELOC ) LOAN FOR {$32000.00} PER YOUR REQUESTED 5 STEP PROTOCOL, PLEASE SEE THE FOLLOWING. \n\n1. WHAT IS THE COMPLAINT ABOUT? WE ARE A XXXX YEAR OLD PRO SE DEFENDANT COUPLE WITH VERY LITTLE KNOWLEDGE OF THE FORECLOSURE PROCESS WHO ARE TRYING TO FIGHT A FRAUDULENT FORECLOSURE ACTION ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT ( HELOC ) FOR WHICH THERE IS NO LONGER PROPER VERIFICATION AVAILABLE TO PRO SE DEFENDANTS AND CONSUMERS ACCORDING TO ALMOST ALL RELEVANT THIRD PARTY SOURCES STATEMENTS TO US, AS WELL AS OBVIOUS ATTEMPTS TO OBSTRUCT OUR GETTING THE PROPER DOCUMENTATION REQUIRED TO DEFEND OURSELVES, IF IT EVEN EXISTS. \nOUR COMPLAINT CONCERNS THE LEGITIMACY OF ALMOST EVERY ASPECT OF THE FORECLOSURE ACTION AGAINST US, FROM THE ORIGINATION IRREGULARITIES SITED BY XXXX XXXX, TO PROCEDURAL VIOLATIONS, LACK OF STANDING, LACK OF COMPLETE AND PROPER DOCUMENTATION AND RESPONSE, MULTIPLE REDACTIONS, POSSIBLE FRAUDULENT AND MISLEADING, CONTRADICTORY RECORDED STATEMENTS INVOLVING MULTIPLE PARTIES ENGAGED IN THE PROCESSING, HOLDING, TRANSFER VIOLATIONS, EMBEZZLEMENT, AND/OR THE NON APPLICATION OF A 1099-C CANCELLATION OF DEBT SITED IN DOCUMENTS ISSUED BY 2 FEDERAL AGENCIES, XXXX XXXX   AND THE IRS. THERE ARE MULTIPLE ISSUES IN THE IMPROPER ORIGINATION OF THIS LOAN THAT ARE A MATTER OF RECORD AND CONSTITUTE ISSUES OF MATERIAL FACT. THERE HAS BEEN A CONSISTENT AND DELIBERATE LACK OF TRANSPARENCY AS WELL AS ATTEMPTS TO CONCEAL, MISLEAD AND OTHERWISE CREATE CONFUSION AND AMBIGUITY CONCERNING THE STATUS AND LEGITIMACY OF THIS DEBT, RESULTING IN DOCUMENTED MALFEASANCE, MISFEASANCE AND NONFEASANCE BY MULTIPLE PARTIES INVOLVED AND THEREFORE RESTRICTING THE CONSUMERS RIGHTS TO DUE DILIGENCE AND THUS HARMING OUR CONSTITUTIONAL RIGHT OF DUE PROCESS, IN DEFENDING OURSELVES AS PRO SE DEFENDANTS, AGAINST THIS UNSUPPORTED FRAUDULENT FORECLOSURE ACTION AGAINST OUR HOME OF 33 YEARS. \n\nWE BELIEVE, AND ARE CONFIDENT WE CAN PROVE THE ILLEGAL ACTION AGAINST US TO BE A FRAUDULENT ATTEMPT TO COLLECT A FRAUDULENT DEBT, BY CORRUPTED THIRD PARTY DEFENDANTS AND PLAINTIFFS THAT WE BELIEVE DO NOT HAVE LEGAL STANDING IN AN ATTEMPT TO COLLECT WHAT WE BELIEVE TO BE A PREVIOUSLY RESOLVED DEBT, WHICH THEREFORE REPRESENTS AN ILLEGAL ACTION AGAINST US. THIS IS CLEARLY A THINLY VEILED ATTEMPT TO BULLY HOMEOWNERS INTO SETTLING WITH PRETENDER LENDERS ON FRAUDULENTLY TRUMPED UP, UNSUPPORTED, TIME BARRED DEBTS TO TARGET DEFENDANTS THAT DO NOT HAVE FINANCIAL MEANS TO DEFEND THEMSELVES IN HOPES OF BULLYING, BLACKMAILING AND EXTORTING PAYMENT IN LIEU OF AND WITHOUT AFFORDABLE LEGAL DEFENSE, WHICH IS WHY WE NEED YOUR ASSISTANCE TO MAKING THEM PROVIDE ALL DOCUMENTS RELATING TO AND RELEVANT TO THEIR CLAIMS OF STANDING TO COLLECT THIS FRAUDULENT, PREVIOUSLY RESOLVED, TIME BARRED DEBT, THE LEGITIMACY OF THE DEBT THEY HAVE ACQUIRED, AND THE PROCESS BY WHICH THEY ACQUIRED THE DEBT, INCLUDING ALL BILLING AND PAYMENT DOCUMENTS, INTEREST AND TIME STAMPED BALANCES TO DOCUMENT THEIR DEBT TOTALS CLAIMS MADE IN THEIR COMPLAINT OVER THE LIFE OF THE LOAN, ALL NOTIFICATIONS SENT TO US OF ANY AND ALL TITLE TRANSFERS, ANY 1099-C CANCELLATION TRANSACTIONS ASSOCIATED WITH THIS LOAN. WE REQUEST ANY AND ALL DOCUMENTS RELATING TO THIS LOAN BE SENT TO US, INCLUDING ALL PRIVATE AND PUBLIC AGENCIES DOCUMENTS INCLUDING XXXX XXXX   AND ALL TRANSFER AND BILLING RECORDS GOING BACK TO THE ORIGINATION OF THE LOAN FORWARD, AS ARE REQUIRED BY LAW BY THE CURRENT ALLEGED OWNERS OF THE DEBT, VERIFICATION OF THE DEBT AND A COPY OF THE JUDGMENT. THESE ILLEGAL ACTIVITIES REPRESENT CONSUMER FRAUD, PREDATORY FRAUDULENT DEBT COLLECTION, UNDOCUMENTED, OBSTRUCTIVE AND NON-TRANSPARENT ACTIONS AGAINST CONSUMERS AND BORROWERS WITHOUT PROPER AND COMPLETE DOCUMENTATION OR JUST CAUSE TO DO SO. \n\nFURTHER WE BELIEVE THIS MAY VERY WELL INVOLVE MAIL FRAUD, ABUSE OF PROCESS, MISLEADING AND UNTRUTHFUL STATEMENTS WE HAVE RECORDED AND FRAUD ON MANY LEVELS BY MULTIPLE PARTIES DUE TO GROSS LACK OF DUE DILIGENCE IN ORIGINATING AND ILLEGALLY TRANSFERRING THIS LOAN. \n\n2. WHAT TYPE OF PROBLEM ARE WE HAVING? OBSTRUCTION, MISLEADING INFORMATION AND A TOTAL LACK OF TRANSPARENCY. UPON MULTIPLE INQUIRIES TO ALL THE PARTIES INVOLVED FROM THE ORIGINATION OF THIS LOAN FORWARD, WE WERE TOLD THIS LOAN WAS TOO OLD TO HAVE ANY PROPER DOCUMENTATION. AFTER NOT HAVING HEARD ANYTHING FROM ANYONE FOR 9 YEARS, MY WIFE AND I SUDDENLY ENCOUNTERED ALL OF THE FOLLOWING : WHICH INCLUDES EVERYTHING FROM A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION OF OUR EFFORTS TO PROPERLY RESEARCH, DEFEND OR RESPOND TO THIS FORECLOSURE COMPLAINT ON OUR HOME OF 33 YEARS. OUR FIRST MORTGAGE HAS BEEN CURRENT FOR MANY YEARS NOW. BUT WE HAVE GOTTEN NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, NOTHING FOR 9 YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF A 1099-C IN XX/XX/XXXX, FROM 2 FEDERAL AGENCIES ; XXXX XXXX AND THE IRS THAT SHOULD HAVE CANCELLED THIS LOAN, AS DOCUMENTATION OF THE CANCELLATION REQUIRED US TO PAY TAXES ON THIS CANCELLED LOAN. THIS HAPPENED AT EXACTLY THE SAME TIME OUR 1ST MORTGAGE WAS SOLD. WHEN OUR 1ST MORTGAGE WAS SOLD, WE RECEIVED THE 1099-C CANCELLATION OF DEBT SHORTLY AFTER AND ALL COMMUNICATION CONCERNING THE HELOC CEASED UNTIL THIS COMPLAINT WAS FILED ALMOST 8 YEARS LATER IN LATE XXXX. WE HAVE EXPERIENCED A TOTAL LACK OF ANY PROPER RESPONSE AND TRANSPARENCY AFTER REPEATED REQUESTS BY THE OHIO ATTORNEY GENERALS OFFICE AND OTHERS FOR ALL NECESSARY AND RELEVANT INFORMATION, PROPER DOCUMENTATION AND COOPERATION NECESSARY FOR US TO DEFEND OURSELVES IN THIS FRAUDULENT, ILLEGAL FORECLOSURE COMPLAINT. WE HAVE ENCOUNTERED A SUBSTANTIAL, DELIBERATE AND DAMAGING LACK OF TRANSPARENCY, COOPERATION, CONSISTENCY OF RESPONSE IN AN ATTEMPT TO ENGAGE AND RESPOND TO PLAINTIFFS ( XXXX XXXX XXXX XXXX ) COMPLAINT OF FORECLOSURE ON OUR HOME, TO INCLUDE, BUT ARE NOT LIMITED TO MULTIPLE REDACTIONS IN DOCUMENTS, CONFLICTING, CONTRADICTORY, MISLEADING AND INCONSISTENT EXPLANATIONS OF FACT FROM MULTIPLE PARTIES INVOLVED, CONFLICTING DOCUMENTATION, NON RESPONSES FOR INFORMATION, ALL OF WHICH HAVE DELAYED AND DENIED OUR DUE DILIGENCE AND THEREFORE NECESSARILY, OUR CONSTITUTIONALLY GUARANTEED DUE PROCESS RIGHTS IN DEFENDING THIS LEGAL ACTION AGAINST US AND HARMED OUR ABILITY TO PROPERLY RESPOND, AND DEFEND OURSELVES AGAINST THIS FORECLOSURE ACTION IN THE COURTS. ADDITIONALLY, IN OUR ATTEMPT TO DEFEND OURSELVES WE HAVE ENCOUNTERS MULTIPLE REDACTIONS, INTENTIONALLY MISLEADING STATEMENTS, MULTIPLE CONTRADICTION TO THE SAME QUESTION FROM THE SAME PARTIES AND A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION IN OUR ATTEMPTS TO RESPOND TO THESE FALSE CLAIMS AND TO DEFEND OURSELVES AND OUR HOME. \n\nWE HAVE BEEN TOLD REPEATEDLY, BY MULTIPLE THIRD PARTIES, INVOLVED RELEVANT PARTIES AND PREVIOUS OWNERS OF THIS DEBT, THAT THIS LOAN IS SIMPLY TOO OLD TO HAVE PROPER DOCUMENTATION ON THIS 14 YEAR OLD LOAN, YET THIS COMPLAINT IS BASED ON WHAT THE PLAINTIFFS CLAIM IS SUFFICIENT DOCUMENTATION THAT IT HAS FAILED TO PRODUCE IN ITS ENTIRETY. WE HAVE RECEIVED NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, JUDGMENT, NOTHING FOR 8 PLUS YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF THE AFOREMENTIONED 1099-C,  CANCELLATION STATEMENT FORM ISSUED BY XXXX XXXX AND THE IRS, REQUIRING US TO PAY TAXES ON THIS CANCELLED DEBT IN XXXX OF XXXX. THE EFFORTS BY XXXX XXXX, NATIONAL CITY BANK ( NOW MERGED WITH PNC ) PNC BANK, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX   LAW FIRM XXXX XXXX XXXX ( XXXX XXXX XXXX AND XXXX XXXX XXXX ATTORNEYS FOR PLAINTIFF ) HAVE ONLY FURTHER CREATED AMBIGUITY AND CONFUSION FOR MY WIFE AND I IN OUR ABILITY TO PROPERLY DEFEND AND RESPOND TO THIS FORECLOSURE COMPLAINT BY THEIR LACK OF PROPER RESPONSE FOR COMPLETE DOCUMENTATION OF THE LEGITIMACY OF THIS COLLECTION EFFORT. WE ARE UNABLE TO AFFORD AN ATTORNEY AND UNABLE TO OBTAIN THE REPRESENTATION OF AN ATTORNEY AT THIS TIME. BUT THAT MAY NOT ALWAYS BE THE CASE, BASED ON NEW INFORMATION WE HAVE UNCOVERED IN OUR OWN RESEARCH AND DEFENSE OF THIS COMPLAINT. WE BELIEVE THIS CASE DESERVES TO BE INVESTIGATED AS TO REGULATORY AND PROCEDURAL VIOLATIONS THAT WOULD INFORM THE NEED FOR COUNTERCLAIMS / CROSS CLAIMS, RELATED TO MALFEASANCE, MISFEASANCE AND NONFEASANCE AND ITS BROADER IMPLICATIONS TO MOVE THE LAW TO THE BENEFIT OF UNTOLD NUMBERS OF HOME OWNERS AND CONSUMERS VICTIMIZED BY THE ILLEGAL PRACTICES. \n\nADDITIONALLY, XXXX XXXX XXXX XXXX SENT US A WARNING LETTER WITHOUT PROPER LANGUAGE CONCERNING OUR RIGHT TO DISPUTE. THE ORIGINAL COLLECTION LETTERS DID NOT TELL US WE HAD THE RIGHT TO DISPUTE THEIR ALLEGATIONS AND COMPLAINT, BUT SPECIFICALLY STATED -- ONLY WHAT WE WOULD NEED TO DO IF WE DID TRY TO DISPUTE THEIR CLAIMS. THE LETTER WAS VERY SPECIFIC AND STATES CLEARLY THAT WE HAVE THE RIGHT TO REINSTATE AFTER ACCELERATION AND OTHER STIPULATIONS BUT SOMEHOW FAILS TO CLEARLY STATE OUR RIGHTS TO DISPUTE -- CLEARLY STATED FOR THE CONSUMER. THIS IS VERY MISLEADING, BY OMISSION, TO MANY I AM SURE AND NOT THE INTENTION OF THE LAW AND WHAT IT IN FACT ACTUALLY REQUIRES WHICH IS TO INFORM US THAT WE HAVE THE RIGHT TO DISPUTE THIS DEBT IN COURT AND OTHERWISE. IT IS HARD IMAGINE WITH SUCH SPECIFICITY ON OTHER TOPICS AND RIGHTS CLEARLY STATED WITHIN THE DOCUMENT THAT THIS WAS SIMPLY AN OVERSIGHT AND NOT INTENDED TO DIMINISH AND MARGINALIZE A CONSUMERS RIGHTS TO DISPUTE AS REQUIRED BY LAW.!\n\n3. WHAT HAPPED? THE 1099-C CANCELLING OF DEBT, SENT BY THE IRS, DATED XX/XX/XXXX AND FILED BY XXXX XXXX, 2 FEDERAL AGENCIES, WAS NOT, AND HAS NOT BEEN PROPERLY APPLIED AND THEREFORE REPRESENT FRAUDULENT AND RECKLESS ABANDONMENT BY THE OWNERS OF THE LOAN, IN AN ATTEMPT WRITE OFF, CANCEL, DIVIDE THE LOAN, DISCHARGE MULTIPLE TIMES, TO ILLEGALLY TRANSFER A FRAUDULENT, ILL CONCEIVED DEBT, THAT CAN NOT BE SEPARATED OUT FROM THE OBVIOUS CONFUSION, CONFLICTS AND CONTRADICTION CREATED BY THE ORIGINATORS OF THE LOAN PNC AND THE OTHER PARTIES INVOLVED IN WHAT ANY REASONABLE PERSON WOULD SEE AS A CONCERTED, COORDINATED, CONSISTENT RACKETEERING EFFORT TO UNLAWFULLY TRANSFER AND OR COLLECT WHAT IS AND SHOULD BE A NON EXISTENT, TIME BARRED, PREVIOULY CANCELLED DEBT, RIDDLED WITH FALSE & MISLEADING STATEMENTS, ORIGINATION AND TRANSFER IRREGULARITIES AND VIOLATIONS AND ILLEGALLY CREATED ORIGINATION IRREGULARITIES, OMISSIONS, AND VIOLATIONS HAVE CREATED AND GIVEN RISE TO MULTIPLE ISSUES OF MATERIAL FACT. WE ALSO HAVE RECEIVED DEMANDS FOR MULTIPLE CONFLICTING SUMS AND EXPERIENCED DUAL ACTIONS DURING THE NEGOTIATION OF OUR LOAN MODIFICATION WHICH DID NOT SHOW THE PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, OTHERWISE WE WOULD HAVE INCLUDED. WHAT WE THEN THOUGHT TO BE A CANCELLED DEBT, IN OUR MODIFICATION NEGOTIATION, THEREFORE HARMING AND DAMAGING OUR LEGITIMATE FINANCIAL OPTIONS AND WELL BEING. XXXX XXXX HAS CONFIRMED THE 1099-C CANCELLATION THEY SENT TO THE IRS, BUT THEY, PNC AND OTHERS THIRD PARTIES CLAIM THE LOAN IS TOO OLD AND CAN NOT OR WILL NOT PROVIDE REQUESTED INFORMATION FOR TRACKING THIS ACTION SO WE CAN CONFIRM RELEVANT DETAILS OF WHO, WHEN AND HOW THESE ILLEGAL ACTIONS TOOK PLACE. THE FORECLOSURE COMPLAINTS ACCURACY IS VERY MUCH IN DOUBT, FROM THE AMOUNTS CLAIMED TO BE OWED, PROCEDURAL VIOLATIONS AND LACK OF DUE DILIGENCE, TO ABUSE OF PROCESS, ILLEGAL AND MISLEADING TITLE TRANSFERS, AND MULTIPLE REDACTIONS RESTRICTING AND OBSTRUCTING OUR ABILITY TO DEFEND OURSELVES TO CLARIFY WHAT WE BELIEVE TO BE DELIBERATE, DOCUMENTABLE COUNTER/CROSS CLAIMS ON MULTIPLE LEVELS, AS IT RELATES TO WHO WAS AND WAS NOT THE LEGAL OWNERS, WHO HAD STANDING TO COLLECT AND SERVICE THE ILLEGALLY CONCEIVED AND EXECUTED LOAN DURING 8 YEARS WITHOUT ANY COMMUNICATIONS. THERE IS TOTAL OBSTRUCTION OF ALL INFORMATION CONCERNING THE TIMING, OWNERSHIP AND LACK OF PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, STATUTE OF LIMITATIONS ISSUES AND THE ILLEGALITY OF ATTEMPTING TO TRANSFER A NON NEGOTIABLE INSTRUMENT. WE REQUESTED, BECAUSE OF THE ABOVE STATED OBSTRUCTION, AND WERE SUBSEQUENTLY GRANTED A 60 EXTENSION BY THE COURT, FOR THE SPECIFIC ABOVE STATED REASONS, IN HOPES OF UNTANGLING ALL THE AMBIGUITY, OBSTRUCTION, MISLEADING AND FRAUDULENT INFORMATION, FACILITATED BY PLAINTIFFS AND OTHER ABOVE STATED THIRD PARTIES IN A COORDINATED EFFORT TO DENY CONSUMERS ACCESS TO THIS RELEVANT INFORMATION AND DOCUMENTATION IF IT DOES IN FACT EVEN EXIST IN REALITY. I AM TOLD IT IS ONLY A DENIAL OF MY RIGHTS OF DUE PROCESS IF PLAINTIFFS DONT SUPPLY THAT INFORMATION TO THE COURT BUT HOW WOULD THE AVERAGE CONSUMER COMPEL THAT RESPONSE WITHOUT LEGAL COUNSEL? THIS IS NOT JUSTICE, FAIR OR THE SPIRIT OF THE LAW IN SECURING CONSUMERS DUE PROCESS IN DEFENDING THEMSELVES, PARTICULARLY WITH REGARD TO PROPER FORECLOSURE DEFENSE. WE HAVE DISCOVERED IN THIS PROCESS, ISSUES OF MATERIAL FACT, AND MUCH TO OUR SURPRISE, THAT A XXXX CANCELLATION OF DEBT, ISSUED BY FANNIE MAE AND THE IRS THAT PNC BANK WAS AWARE OF, WAS NOT PROPERLY APPLIED. IN FACT IT WAS NOT APPLIED AT ALL FROM WHAT WE HAVE FOUND. WE ASSUME SINCE THE 1099-C WAS ISSUED BY THE IRS, THAT THE OWNERS OF THE LOAN AT THAT TIME PNC BANK OR XXXX XXXX XXXX, THAT ALL PARTIES MUST HAVE BEEN AND SHOULD HAVE BEEN AWARE OF THIS CANCELLATION OF DEBT ISSUED BY THE XXXX XXXX XXXX WERE USED AS A TAX WRITE OFF FOR THE BANK BUT WERE NOT PROPERLY, IF AT ALL, APPLIED TO OUR LOAN, BUT WERE REALIZED BY PNC XXXX BANK AND THEN LATER BENEFITED FROM SELLING THE LOAN TO OTHER PARTIES. THEREFORE, THERE ARE TENS OF THOUSANDS OF DOLLARS OF CANCELLED DEBT THAT WERE NOT APPLIED BY PNC OR XXXX TO OUR ACCOUNT AND IS THEREFORE MISSING FROM OUR ACCOUNT WHILE PNC, WHO OWNED BOTH OUR 1ST MORTGAGE AND HELOC LOAN, HAVING COMMITTED GRAVE ORIGINATION ILLEGALITIES, DIVIDING AND SEPARATING WHAT ORIGINATED AS A SINGLE LOAN, WHEN CLOSING BOTH THESE NO DOC, INTEREST ONLY LOANS ON THE SAME DAY. PNC SOLD OUR 1ST MORTGAGE IN XXXX OF XXXX. BUT AFTER THE 1ST MORTGAGE WAS SOLD, THE HELOC DISAPPEARED COMPLETELY, ONLY TO SUDDENLY RESURFACE IN LATE XXXX AFTER ALMOST 9 YEARS, EXCEPT FOR THE 1099-C CANCELLATION OF DEBT DOCUMENT THAT WE RECEIVED IN XXXX, 3 PLUS MONTHS AFTER PNC SOLD OUR MORTGAGE, LEADING US TO BELIEVE THE 1099-C HAD BEEN PROPERLY APPLIED TO OUR HELOC WHICH COMPLETELY DISAPPEARED OFF THE RADAR AT THAT SAME TIME. PNC STATED IN RECORDINGS TO ME, THAT THEY DISCHARGED OUR HELOC IN XXXX, WHEN THEY SOLD OUR 1ST MORTGAGE AT THAT SAME TIME, THEN SUBSEQUENTLY CANCELLED OUR HELOC, BURIED IT WITH NO COMMUNICATIONS TO US, SOLD OUR LOANS TO OTHER COMPANIES, THEN GOT IT BACK, DISCHARGED IT AGAIN DUE TO THE STATUTE OF LIMITATIONS IN XXXX OF XXXX, THEN SOLD THIS HELOC AGAIN, AFTER 2 DISCHARGES AND 1 CANCELLATION OF THE DEBT, THEN SOLD IT IN LATE XXXX, AND ALL THE WHILE HAVING NOT PROPERLY APPLIED THE CANCELLATION OF DEBT ISSUED BY 2 FEDERAL AGENCIES. AGAIN, I HAVE ALL THESE STATEMENTS RECORDED AND THEREFORE CAN BE TRANSCRIBED FOR YOU AND THE COURT. WE HAVE APPLIED FOR NUMEROUS LOANS OVER THE YEARS, SINCE XXXX WHEN WE RECEIVED THE 1099-C CANCELLATION OF DEBT AND THIS LOAN DID NOT SHOW UP ON OUR CREDIT REPORTS AND WAS NEVER MENTIONED AS EXISTING, DELINQUENT, DEFAULTED OR AS AN ISSUE OF ANY KIND IN THE LOAN APPLICATION PROCESS AND GRANTING OF THE LOANS. XXXX XXXX BANK GRANTED US A HOME EQUITY LOAN RECENTLY BUT THOSE FUNDS SEEM TO HAVE BEEN FROZEN UPON THE FILING OF THIS FRAUDULENT FORECLOSURE COMPLAINT, THUS DAMAGING, HARMING AND LIMITING OUR ABILITY TO ACCESS THOSE FUNDS FOR NEEDED REPAIRS ON OUR HOME, AND CRIPPLED OUR FINANCIAL PLANNING IN PREPARING FOR OUR RETIREMENT WHICH WE BELIEVE CLEARLY CREATES DOCUMENTED LIABILITY FOR THOSE FILING THIS FRAUDULENT COMPLAINT AGAINST US AS WELL AS FOR OTHER 3RD PARTIES. IN CONCLUSION, SIMPLY STATED, IT IS EASILY VERIFIED THAT PNC OWNED BOTH LOANS FROM XXXX, DISCHARGED OUR HELOC, IN LATE XXXX, TOOK THE TAX WRITE OFF, WAS AWARE OF THE XXXX XXXX AND IRS DIRECTED CANCELLATION OF DEBT TO OUR LOANS, THEN BURIED OUR HELOC, WITHOUT A WORD, FOR 9 YEARS, SOLD IT IN LATE XXXX, AND ACCORDING TO RECORDINGS I HAVE OF OUR CONVERSATIONS WHERE THEY STATED THAT THEY DISCHARGED IT AGAIN IN XXXX OF XXXX, CULMINATING IN THEIR FRAUDULENTLY DISCHARGING OUR DEBT MULTIPLE TIMES, NOT PROPERLY CANCELLING AND APPLYING THE 1099-C CANCELLATION OF DEBT, PER XXXX XXXX & IRS, 2 FEDERAL AGENCIES DIRECTIVES, AND THEN ILLEGALLY AND FRAUDULENTLY SELLING THIS DEBT 12 YEARS LATER. JUST IN THE LAST YEAR OR SO WE HAVE HEARD FROM 2 DIFFERENT LAW FIRMS, AND 3 DIFFERENT COLLECTION AGENCIES AND SERVICERS ON THE SAME CANCELLED DEBT INCLUDING DIFFERENT AMOUNTS DUE AND DIFFERENT INTERESTS RATES, NO PAYMENT HISTORIES TO SUPPORT THEIR FALSE CLAIMS OF HOW MUCH IS OWED AND AS TO WHO HAS THE RIGHT TO COLLECT THESE DIFFERING AMOUNTS AND WE ARE RELATIVELY SURE THERE WERE 2 OR MORE COLLECTION AGENCIES TRYING TO COLLECT ON THE SAME DEBT AND WITH DIFFERENT AMOUNTS REQUIRED. FURTHER, PNC WAS PURSUING FORECLOSURE WHILE WE WERE TRYING TO WORK OUT A MODIFICATION AND MEDIATION WHICH WE KNOW IS HIGHLY ILLEGAL. THE STATUTE OF LIMITATION IN OHIO IS NOW BASED ON RETROACTIVELY APPLIED CHANGES MADE IN XXXX ESTABLISHING IT AS 6 YEARS FOR PROMISSORY NOTES AND/OR LOAN DOCUMENTS THAT FUNCTION AS PROMISSORY NOTES WHICH MAKES THIS NOTE TIME BARRED IN OHIO. \n\n4. WHAT COMPANY IS THIS COMPLAINT ABOUT? XXXX XXXX XXXX XXXX. FORECLOSURE COMPLAINT THIS COMPLAINT INVOLVES XXXX XXXX, NATIONAL CITY BANK, THE LOAN ORIGINATORS IN XX/XX/XXXX, UNTIL XXXX WHEN THEY MERGED WITH PNC, THEN IT SOLD TO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, THEN TO XXXX XXXX XXXX XXXX. BECAUSE NO PROPER DUE DILIGENCE WAS DONE THESE WERE IMPROPERLY TRANSFERS OF THIS FRAUDULENT, DEFECTIVE AND ILLEGAL LOAN IN BETWEEN PNC AND XXXX XXXX XXXX, BUT XXXX XXXX XXXX FILED THE FORECLOSURE COMPLAINT VIA XXXX AND XXXX, ATTORNEYS FOR PLAINTIFFS, XXXX XXXX XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OHIO, XXXX. XXXX XXXX, XXXX, WHO SIGNED THE COMPLAINT IS NO LONGER WITH THAT FIRM AND SO OUR CERTIFIED MAIL, ADDRESSED TO BOTH ATTORNEYS HAS BEEN RETURNED TO US, LEAVING US AS PRO SE ATTORNEYS WONDERING WHO, WHAT, IF, WHEN AND HOW THIS COMPLAINT IS MOVING FORWARD AND IF OUR EFFORTS TO DEFEND OURSELVES ARE BEING IGNORED, SUBJUGATED, INVALIDATED, LOST, OR DISMISSED???? SERVICERS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. WHO ARE THE PEOPLE INVOLVED. XXXX XXXX XXXX ATTORNEY AT LAW -- ATTORNEYS FOR PLAINTIFF BELOW XXXX, OHIO, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) 6. WHAT WE ARE REQUESTING : A FULL INVESTIGATION INTO THIS HIGHLY IRREGULAR, VERY LIKELY FRAUDULENT AND DOCUMENTED FORECLOSURE ACTION BASED ON ISSUES OF MATERIAL FACT. ALL DOCUMENT RELATING TO THIS COMPLAINT FROM ALL PARTIES LISTED IN THIS COMPLAINT TO INCLUDE BUT ARE NOT LIMITED TO THE FOLLOWING WHICH PLAINTIFFS WOULD BE REQUIRED TO HAVE TO PROPERLY SUPPORT CLAIMS ALLEGED IN THIS COMPLAINT. JUDGEMENT FROM THE COURT AGAINST DEFENDANTS DATED XX/XX/XXXX WITH ALL RELEVANT DOCUMENTS AND COMPLETE PAYMENT AND BILLING STATEMENTS TO SUPPORT CLAIMS OF XXXX OWED DATING FROM XX/XX/XXXX TO PRESENT- XX/XX/XXXX AS ALLEGED IN THE COMPLAINT. ALL ANNUAL STATEMENTS, BANKING RECORDS AND DOCUMENTS FROM ANY PERSON OR COMPANY THAT ENGAGED IN ANY WAY WITH THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, SERVICING, OR OWNERSHIP OF THIS LOAN FROM ORIGINATION TO THE PRESENT XX/XX/XXXX PLAINTIFFS, LEGAL COUNSELS LICENSING TO REPRESENT OUT OF STATE COMPANIES IN COLLECTING DEBTS HERE IN OHIO. XXXX XXXX XXXX XXXX, LICENSING AND PROOF OF STANDING TO PURSUE OUT OF STATE LEGAL ACTIONS INCLUDING FORECLOSURE ACTIONS HERE IN OHIO PROVIDE ANY AND ALL RELEVANT INFORMATION AND DOCUMENTATION, DATES AND NAMES OF ALL PARTIES ENGAGED IN THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, TRANSFERS, ASSIGNMENTS, ALLONGES OR OWNERSHIP TO SUPPORT AND DOCUMENT ALLEGATIONS ASSERTED IN PLAINTIFFS FORECLOSURE COMPLAINT, WHICH ANY REASONABLE PERSON WOULD ASSUME THE PLAINTIFFS WOULD HAVE IN THEIR POSSESSION IN ORDER TO SUPPORT ANY LEGITIMATE, LEGAL AND PROPER COMPLAINT TO FACILITATE DUE PROCESS RIGHTS OF PRO SE DEFENDANTS AND JUSTIFY JUST CAUSE VIA PLAINTIFFS REQUIRED DUE DILIGENCE, RESPECT FOR THIS PROCESS AND BURDEN OF PROOF CLEARLY REQUIRED BY THE LAW AND THE SPIRIT OF THE LAW. \n\n7. IN CONCLUSION : WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. PLAINTIFFS CANT EXPLAIN, MUCH LESS PROVE TO A JUDGE AND / OR JURY, BEYOND A REASONABLE DOUBT HOW THE LEGITIMACY, ACCURACY, INTENTIONS, TIMELINESS, LEGALITY, PROCEDURAL INTEGRITY, PAYMENT HISTORY, 1099-C CANCELLATION OF DEBT FAILURES, AND OTHER ISSUES OF MATERIAL FACT DOCUMENTED THROUGHOUT THE HISTORY OF OUR LOAN/LOANS THAT SEEM TO BE UNDERTAKEN TO, AND RESULTING IN, GROSS NONFEASANCE, MALFEASANCE AND MISFEASANCE REPEATEDLY HARMING DEFENDANTS AND THEIR ABILITY TO DEFEND THEMSELVES. OUR DOCUMENTS WILL PROVE, GROSS NEGLECT AND MALFEASANCE AS PLAINTIFFS AND OTHER 3RD PARTIES INVOLVED, LACK OF DUE DILIGENCE RESULTED IN MANIPULATION AND CORRUPTION OF THE LOANS ORIGINATIONS, RANDOMLY DIVIDING THE LOAN INTO PIECES ON WHAT WAS INTENDED TO BE A SINGLE LOAN FROM ITS INCEPTION, TRANSFERS, THEIR FAILURE TO PROPERLY NOTIFY US ABOUT TRANSFERS, WE BELIEVE FRAUDULENTLY, WITH THE PROBABLE INTENT TO INTENTIONALLY MISLEAD, EVADE, GENERALLY CREATE AMBIGUITY, OMIT AND OBSCURE MATERIAL INFORMATION DESIGNED TO INTENTIONALLY HIDE INFORMATION AND TRACKING OF THE LOAN BY PRO SE DEFENDANTS AND THEREFORE DID HARM DEFENDANTS DUE PROCESS RIGHTS IN THEIR ATTEMPTS TO PROPERLY DEFEND THEMSELVES IN THIS FORECLOSURE COMPLAINT. IT IS CLEAR THAT THE ILLEGAL MISHANDLING OF THIS LOAN HAS BEEN INSTITUTIONALIZED THROUGHOUT THE LENDING, OWNERSHIP AND SERVICING PROCESS, CREATING AN INCENTIVE TO DISCOURAGE TRANSPARENCY AND ACCOUNTABILITY FOR CONSUMERS AND HOMEOWNERS, FOR WHICH THE ENTIRE SYSTEM WAS DESIGNED TO PROPERLY SERVE AND PROTECT AS THE FINAL STAKEHOLDER AND END USER OF THE TRANSACTION! THEREFORE FURTHER INVESTIGATION IS NECESSARY AND WANTING IN THIS FAMILIAR PRACTICE ATTEMPTED BY LARGE PRIVATE BANKS TO DEFRAUD HOMEOWNERS AND CONSUMERS THROUGH AN UNNECESSARILY AND OVERLY BURDENSOME PROCESS TO ILLUMINATE THE ISSUES, FACTS AND RELEVANT DOCUMENTS TO RESOLVE THIS ISSUE OUTSIDE OF COURT IF POSSIBLE OR THROUGH THE LEGAL SYSTEM IF NECESSARY, THEREFORE SERIOUSLY HARMING AND DAMAGING HOMEOWNERS AND CONSUMERS LEGAL RIGHTS OF DUE PROCESS AND SELF DEFENSE AS IN THE CASE OF MY FAMILY AS PRO SE DEFENDANTS. IN THE CLEAR LIGHT AND SPIRIT OF THE LAW THIS COMPLAINT SHOULD AND MUST, BE THOROUGHLY INVESTIGATED TO ENSURE TRANSPARENCY, ACCOUNTABILITY AND FAIRNESS TO SUPPORT HOMEOWNERS AND CONSUMERS TO BE SURE THE BURDEN OF PROOF IS ILLUMINATE FOR THE HOMEOWNER AND CONSUMERS BENEFIT, AS A LAST RESORT AND RECOURSE AS PRO SE DEFENDANTS, TO FURTHER ATTAIN AND HELP CONFIRM THE TRUTH AND FACTS AS REQUIRED FOR JUSTICE TO BE SERVED IN DEED, IN LAW, IN PROCESS AND IN THE SPIRIT OF ACCOUNTABILITY IN HOPEFULLY MOVING THE LAW FORWARD FOR MANY FUTURE OUTCOMES, AND AS THE LAW REQUIRES IN ORDER TO FIND A FAIR, ACCOUNTABLE AND JUST OUTCOME FOR THE PARTIES INVOLVED AND FOR THOSE WHO IT CAN HELP TO PROTECT IN THE FUTURE. WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. IN RECENT YEARS EVENTS CLEARLY SHOWS THE CORRUPT CULTURE OF THE NATIONAL BANKING SYSTEM AND THE DAMAGE REPEATEDLY DONE TO CONSUMERS AND TO THE ECONOMY AS A WHOLE. SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OHIO, XXXX XXXX XXXX XXXX","date_sent_to_company":"2020-06-18T20:33:27.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"431XX","tags":"Older American","has_narrative":true,"complaint_id":"3705590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-06-18T20:33:24.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["OUTCOMES, AND AS THE LAW REQUIRES IN ORDER TO FIND A FAIR, ACCOUNTABLE AND JUST OUTCOME FOR THE PARTIES INVOLVED AND FOR THOSE WHO IT CAN HELP TO PROTECT IN THE <em>FUTURE</em>."]},"sort":[5.8211565,"3705590"]},{"_index":"complaint-public-v1","_id":"3703140","_score":5.8211565,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX CFPB Complaint on fraudulent 14 year old HELOC foreclosure complaint Dear CFPB, All the information below is easily verified by documentation and telephone recordings with all relevant parties. Please find below, the relevant information and documents necessary for your review of what we and others know to be a fraudulent, illegal, undocumented attempt to take our home via an illegal foreclosure complaint based on a previously discharged, then cancelled, then time barred, then discharged again due to statute of limitations, on a 14 year old home equity line of credit, ( HELOC ) loan for {$32000.00} Per your requested 5 step protocol, please see the following. \n\n1. What is the complaint about? We are a XXXX year old pro se defendant couple with very little knowledge of the foreclosure process who are trying to fight a fraudulent foreclosure action on a 14 year old home equity line of credit ( HELOC ) for which there is no longer proper verification available to pro se defendants and consumers according to almost all relevant third party sources statements to us, as well as obvious attempts to obstruct our getting the proper documentation required to defend ourselves, if it even exists. \nOur complaint concerns the legitimacy of almost every aspect of the foreclosure action against us, from the origination irregularities sited by XXXX XXXX, to procedural violations, lack of standing, lack of complete and proper documentation and response, multiple redactions, possible fraudulent and misleading, contradictory recorded statements involving multiple parties engaged in the processing, holding, transfer violations, embezzlement, and/or the non application of a 1099-C cancellation of debt sited in documents issued by 2 Federal agencies, XXXX XXXX and the IRS. There are multiple issues in the improper origination of this loan that are a matter of record and constitute issues of material fact. There has been a consistent and deliberate lack of transparency as well as attempts to conceal, mislead and otherwise create confusion and ambiguity concerning the status and legitimacy of this debt, resulting in documented malfeasance, misfeasance and nonfeasance by multiple parties involved and therefore restricting the consumers rights to due diligence and thus harming our constitutional right of due process, in defending ourselves as pro se defendants, against this unsupported fraudulent foreclosure action against our home of 33 years. \n\nWe believe, and are confident we can prove the illegal action against us to be a fraudulent attempt to collect a fraudulent debt, by corrupted third party defendants and plaintiffs that we believe do not have legal standing in an attempt to collect what we believe to be a previously resolved debt, which therefore represents an illegal action against us. This is clearly a thinly veiled attempt to bully homeowners into settling with pretender lenders on fraudulently trumped up, unsupported, time barred debts to target defendants that do not have financial means to defend themselves in hopes of bullying, blackmailing and extorting payment in lieu of and without affordable legal defense, which is why we need your assistance to making them provide all documents relating to and relevant to their claims of standing to collect this fraudulent, previously resolved, time barred debt, the legitimacy of the debt they have acquired, and the process by which they acquired the debt, including all billing and payment documents, interest and time stamped balances to document their debt totals claims made in their complaint over the life of the loan, all notifications sent to us of any and all title transfers, any 1099-C cancellation transactions associated with this loan. We request any and all documents relating to this loan be sent to us, including all private and public agencies documents including XXXX XXXX and all transfer and billing records going back to the origination of the loan forward, as are required by law by the current alleged owners of the debt, verification of the debt and a copy of the judgment. These illegal activities represent consumer fraud, predatory fraudulent debt collection, undocumented, obstructive and non-transparent actions against consumers and borrowers without proper and complete documentation or just cause to do so. \n\nFurther we believe this may very well involve mail fraud, abuse of process, misleading and untruthful statements we have recorded and fraud on many levels by multiple parties due to gross lack of due diligence in originating and illegally transferring this loan. PNC had knowledge of the 1099-C cancellation document but did not follow up to be sure it was properly applied to our account. \n\n2. What type of problem are we having? Obstruction, misleading information and a total lack of transparency. Upon multiple inquiries to all the parties involved from the origination of this loan forward, we were told this loan was too old to have any proper documentation. After not having heard anything from anyone for 9 years, my wife and I suddenly encountered all of the following : which includes everything from a total lack of cooperation to downright obstruction of our efforts to properly research, defend or respond to this foreclosure complaint on our home of 33 years. Our first mortgage has been current for many years now. But we have gotten no billing, inquiries, annual statements, notifications, nothing for 9 years concerning this HELOC 2nd mortgage until very recently for this foreclosure action with the sole exception of a 1099-C in XX/XX/XXXX, from 2 federal agencies ; XXXX XXXX and the IRS that should have cancelled this loan, as documentation of the cancellation required us to pay taxes on this cancelled loan. This happened at exactly the same time our 1st mortgage was sold. When our 1st mortgage was sold, we received the 1099-C cancellation of debt shortly after and all communication concerning the HELOC ceased until this complaint was filed almost 8 years later in late XXXX. We have experienced a total lack of any proper response and transparency after repeated requests by the Ohio Attorney Generals office and others for all necessary and relevant information, proper documentation and cooperation necessary for us to defend ourselves in this fraudulent, illegal foreclosure complaint. We have encountered a substantial, deliberate and damaging lack of transparency, cooperation, consistency of response in an attempt to engage and respond to plaintiffs ( XXXX XXXX XXXX XXXX ) complaint of foreclosure on our home, to include, but are not limited to multiple redactions in documents, conflicting, contradictory, misleading and inconsistent explanations of fact from multiple parties involved, conflicting documentation, non responses for information, all of which have delayed and denied our due diligence and therefore necessarily, our constitutionally guaranteed due process rights in defending this legal action against us and harmed our ability to properly respond, and defend ourselves against this foreclosure action in the courts. Additionally, in our attempt to defend ourselves we have encounters multiple redactions, intentionally misleading statements, multiple contradiction to the same question from the same parties and a total lack of cooperation to downright obstruction in our attempts to respond to these false claims and to defend ourselves and our home. \n\nWe have been told repeatedly, by multiple third parties, involved relevant parties and previous owners of this debt, that this loan is simply too old to have proper documentation on this 14 year old loan, yet this complaint is based on what the Plaintiffs claim is sufficient documentation that it has failed to produce in its entirety. We have received no billing, inquiries, annual statements, notifications, judgment, nothing for 8 plus  yearsconcerning this HELOC 2nd mortgage until very recently for this foreclosure action with the sole exception of the aforementioned 1099-C, cancellation statement form issued by XXXX XXXX and the IRS, requiring us to pay taxes on this cancelled debt in XXXX of XXXX. The efforts by XXXX XXXX, National City Bank ( now merged with PNC ) PNC Bank, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX law firm XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX attorneys for plaintiff ) have only further created ambiguity and confusion for my wife and I in our ability to properly defend and respond to this foreclosure complaint by their lack of proper response for complete documentation of the legitimacy of this collection effort. We are unable to afford an attorney and unable to obtain the representation of an attorney at this time. But that may not always be the case, based on new information we have uncovered in our own research and defense of this complaint. We believe this case deserves to be investigated as to regulatory and procedural violations that would inform the need for counterclaims / cross claims, related to malfeasance, misfeasance and nonfeasance and its broader implications to move the law to the benefit of untold numbers of home owners and consumers victimized by the illegal practices. \n\nAdditionally, XXXX XXXX XXXX XXXX sent us a warning letter without proper language concerning our right to dispute. The original collection letters did not tell us we had the right to dispute their allegations and complaint, but specifically stated -- only what we would need to do if we did try to dispute their claims. The letter was very specific and states clearly that we have the right to reinstate after acceleration and other stipulations but somehow fails to clearly state our rights to dispute -- clearly stated for the consumer. This is very misleading, by omission, to many I am sure and not the intention of the law and what it in fact actually requires which is to inform us that we have the right to dispute this debt in court and otherwise. It is hard imagine with such specificity on other topics and rights clearly stated within the document that this was simply an oversight and not intended to diminish and marginalize a consumers rights to dispute as required by law.! \n\n3. What happed? THE 1099-C CANCELLING OF DEBT, SENT BY THE IRS, DATED XX/XX/XXXX AND FILED BY XXXX XXXX 2 FEDERAL AGENCIES, WAS NOT, AND HAS NOT BEEN PROPERLY APPLIED AND THEREFORE REPRESENT FRAUDULENT AND RECKLESS ABANDONMENT BY THE OWNERS OF THE LOAN, IN AN ATTEMPT WRITE OFF, CANCEL, DIVIDE THE LOAN, DISCHARGE MULTIPLE TIMES, TO ILLEGALLY TRANSFER A FRAUDULENT, ILL CONCEIVED DEBT, THAT CAN NOT BE SEPARATED OUT FROM THE OBVIOUS CONFUSION, CONFLICTS AND CONTRADICTION CREATED BY THE ORIGINATORS OF THE LOAN PNC AND THE OTHER PARTIES INVOLVED IN WHAT ANY REASONABLE PERSON WOULD SEE AS A CONCERTED, COORDINATED, CONSISTENT RACKETEERING EFFORT TO UNLAWFULLY TRANSFER AND OR COLLECT WHAT IS AND SHOULD BE A NON EXISTENT, TIME BARRED, PREVIOULY CANCELLED DEBT, RIDDLED WITH FALSE & MISLEADING STATEMENTS, ORIGINATION AND TRANSFER IRREGULARITIES AND VIOLATIONS AND ILLEGALLY CREATED ORIGINATION IRREGULARITIES, OMISSIONS, AND VIOLATIONS HAVE CREATED AND GIVEN RISE TO MULTIPLE ISSUES OF MATERIAL FACT. We also have received demands for multiple conflicting sums and experienced Dual Actions during the negotiation of our loan modification which did not show the proper application of the 1099-C cancellation of debt, otherwise we would have included. what we then thought to be a cancelled debt, in our modification negotiation, therefore harming and damaging our legitimate financial options and well being. XXXX XXXX has confirmed the 1099-C cancellation they sent to the IRS, but they, PNC and others third parties claim the loan is too old and can not or will not provide requested information for tracking this action so we can confirm relevant details of who, when and how these illegal actions took place. The foreclosure complaints accuracy is very much in doubt, from the amounts claimed to be owed, procedural violations and lack of due diligence, to abuse of process, illegal and misleading title transfers, and multiple redactions restricting and obstructing our ability to defend ourselves to clarify what we believe to be deliberate, documentable counter/cross claims on multiple levels, as it relates to who was and was not the legal owners, who had standing to collect and service the illegally conceived and executed loan during 8 years without any communications. There is total obstruction of all information concerning the timing, ownership and lack of proper application of the 1099-C cancellation of debt, statute of limitations issues and the illegality of attempting to transfer a non negotiable instrument. We requested, because of the above stated obstruction, and were subsequently granted a 60 extension by the court, for the specific above stated reasons, in hopes of untangling all the ambiguity, obstruction, misleading and fraudulent information, facilitated by plaintiffs and other above stated third parties in a coordinated effort to deny consumers access to this relevant information and documentation if it does in fact even exist in reality. I am told it is only a denial of my rights of due process if plaintiffs dont supply that information to the court but how would the average consumer compel that response without legal counsel? This is not justice, fair or the spirit of the law in securing consumers due process in defending themselves, particularly with regard to proper foreclosure defense. We have discovered in this process, issues of material fact, and much to our surprise, that a XXXX cancellation of debt, issued by XXXX XXXX and the IRS that PNC bank was aware of, was not properly applied. In fact it was not applied at all from what we have found. We assume since the 1099-C was issued by the IRS, that the owners of the loan at that time PNC Bank or XXXX XXXX XXXX XXXX that all parties must have been and should have been aware of this cancellation of debt issued by the XXXX XXXX XXXX were used as a tax write off for the bank but were not properly, if at all, applied to our loan, but were realized by PNC BankXXXX XXXX  And then later benefited from selling the loan to other parties. Therefore, there are tens of thousands of dollars of cancelled debt that were NOT applied by PNC or XXXX to our account and is therefore missing from our account while PNC, who owned both our 1st mortgage and HELOC loan, having committed grave origination illegalities, dividing and separating what originated as a single loan, when closing both these no doc, interest only loans on the same day. PNC sold our 1st mortgage in XXXX of XXXX. But after the 1st mortgage was sold, the HELOC disappeared completely, only to suddenly resurface in late XXXX after almost 9 years, except for the 1099-C cancellation of debt document that we received in XXXX, 3 plus months after PNC sold our mortgage, leading us to believe the 1099-C had been properly applied to our HELOC which completely disappeared off the radar at that same time. PNC stated in recordings to me, that they discharged our HELOC in XXXX, when they sold our 1st mortgage at that same time, then subsequently cancelled our HELOC, BURIED IT WITH NO COMMUNICATIONS TO US, sold our loans to other companies, then got it back, discharged it again due to the statute of limitations in XXXX of XXXX, then sold this HELOC again, after 2 discharges and 1 cancellation of the debt, THEN SOLD IT in late XXXX, AND ALL THE WHILE HAVING NOT PROPERLY APPLIED THE CANCELLATION OF DEBT ISSUED BY 2 FEDERAL AGENCIES. Again, I have all these statements recorded and therefore can be transcribed for you and the court. We have applied for numerous loans over the years, since XXXX when we received the 1099-C cancellation of debt and this loan did not show up on our credit reports and was never mentioned as existing, delinquent, defaulted or as an issue of any kind in the loan application process and granting of the loans. XXXX XXXX XXXX  granted us a home equity loan recently but those funds seem to have been frozen upon the filing of this fraudulent foreclosure complaint, thus damaging, harming and limiting our ability to access those funds for needed repairs on our home, and crippled our financial planning in preparing for our retirement WHICH WE BELIEVE CLEARLY CREATES DOCUMENTED LIABILITY FOR THOSE FILING THIS FRAUDULENT COMPLAINT AGAINST US AS WELL AS FOR OTHER 3RD PARTIES. IN CONCLUSION, simply stated, it is easily verified that PNC owned both loans from XXXX, discharged our HELOC, in late XXXX, took the tax write off, was aware of the XXXX XXXX and IRS directed cancellation of debt to our loans, then buried our HELOC, without a word, for 9 years, sold it in late XXXX, and according to recordings I have of our conversations where they stated that they discharged it again in XXXX of XXXX, culminating in their fraudulently discharging our debt multiple times, not properly cancelling and applying the 1099-C cancellation of debt, per XXXX XXXX & IRS, 2 federal agencies directives, and then illegally and fraudulently selling this debt 12 years later. Just in the last year or so we have heard from 2 different law firms, and 3 different collection agencies and servicers on the same cancelled debt including different amounts due and different interests rates, no payment histories to support their false claims of how much is owed and as to who has the right to collect these differing amounts and we are relatively sure there were 2 or  more collection agencies trying to collect on the same debt and with different amounts required. Further, PNC was pursuing foreclosure while we were trying to work out a modification and mediation which we know is highly illegal. The statute of limitation in Ohio is now based on retroactively applied changes made in XXXX establishing it as 6 years for promissory notes and/or loan documents that function as promissory notes which makes this note time barred in Ohio. \n\n4. What company is this complaint about? XXXX XXXX XXXX XXXX. Foreclosure complaint This complaint involves XXXX XXXX, National City Bank, the loan originators in XX/XX/XXXX, until XXXX when they merged with PNC, then it sold to U.S Mortgage XXXX XXXX, XXXX XXXX XXXX XXXX, then to XXXX XXXX XXXX XXXX. Because no proper due diligence was done these were improperly transfers of this fraudulent, defective and illegal loan in between PNC and XXXX XXXX XXXX, but XXXX XXXX XXXX filed the foreclosure complaint via XXXX XXXX  XXXX, attorneys for plaintiffs, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, Ohio, XXXX. XXXX XXXX, XXXX, who signed the complaint is no longer with that firm and so our certified mail, addressed to both attorneys has been returned to us, leaving us as pro se attorneys wondering who, what, if, when and how this complaint is moving forward and if our efforts to defend ourselves are being ignored, subjugated, invalidated, lost, or dismissed???? Servicers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Who are the people involved. XXXX XXXX XXXX XXXX XXXX XXXX -- attorneys for plaintiff below XXXX, Ohio, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) 6. What we are requesting : A full investigation into this highly irregular, very likely fraudulent and documented foreclosure action based on issues of material fact. All document relating to this complaint from all parties listed in this complaint to include but are not limited to the following which plaintiffs would be required to have to properly support claims alleged in this complaint. Judgement from the court against defendants dated XX/XX/XXXX with all relevant documents and complete payment and billing statements to support claims of XXXX owed dating from XX/XX/XXXX to present- XX/XX/XXXX as alleged in the complaint. All annual statements, banking records and documents from any person or company that engaged in any way with the origination, processing, taking of payments, collections, servicing, or ownership of this loan from origination to the present XX/XX/XXXX Plaintiffs, legal counsels licensing to represent out of state companies in collecting debts here in Ohio. XXXX XXXX XXXX XXXX, licensing and proof of standing to pursue out of state legal actions including foreclosure actions here in Ohio Provide any and all relevant information and documentation, dates and names of all parties engaged in the origination, processing, taking of payments, collections, transfers, assignments, allonges or ownership to support and document allegations asserted in plaintiffs foreclosure complaint, which any reasonable person would assume the plaintiffs would have in their possession in order to support any legitimate, legal and proper complaint to facilitate due process rights of pro se defendants and justify just cause via plaintiffs required due diligence, respect for this process and burden of proof clearly required by the law and the spirit of the law. \n\n7. In Conclusion : We believe plaintiff purchased a illegitimate, non transferable, corrupted and defective instrument, defunct, compromised and therefore voided loan that has multiple legal issues creating issues of material fact that excludes them from having any standing to buy, sell, attempt to collect or take any legal action involving this loan, not the least of which is the lack of documentation due to its age and compromised and corrupted history and if this is not the case please provide full documentation to satisfy what the law would require as your burden of proof of your allegations in this complaint. Plaintiffs cant explain, much less prove to a judge and / or jury, beyond a reasonable doubt how the legitimacy, accuracy, intentions, timeliness, legality, procedural integrity, payment history, 1099-C Cancellation of debt failures, and other issues of material fact documented throughout the history of our loan/loans that seem to be undertaken to, and resulting in, gross nonfeasance, malfeasance and misfeasance repeatedly harming defendants and their ability to defend themselves. Our documents will prove, gross neglect and malfeasance as plaintiffs and other 3rd parties involved, lack of due diligence resulted in manipulation and corruption of the loans originations, randomly dividing the loan into pieces on what was intended to be a single loan from its inception, transfers, their failure to properly notify us about transfers, we believe fraudulently, with the probable intent to intentionally mislead, evade, generally create ambiguity, omit and obscure material information designed to intentionally hide information and tracking of the loan by pro se defendants and therefore did harm defendants due process rights in their attempts to properly defend themselves in this foreclosure complaint. It is clear that the illegal mishandling of this loan has been institutionalized throughout the lending, ownership and servicing process, creating an incentive to discourage transparency and accountability for consumers and homeowners, for which the entire system was designed to properly serve and protect as the final stakeholder and end user of the transaction! Therefore further investigation is necessary and wanting in this familiar practice attempted by large private banks to defraud homeowners and consumers through an unnecessarily and overly burdensome process to illuminate the issues, facts and relevant documents to resolve this issue outside of court if possible or through the legal system if necessary, therefore seriously harming and damaging homeowners and consumers legal rights of due process and self defense as in the case of my family as pro se defendants. In the clear light and spirit of the law this complaint should and must, be thoroughly investigated to ensure transparency, accountability and fairness to support homeowners and consumers to be sure the burden of proof is illuminate for the homeowner and consumers benefit, as a last resort and recourse as pro se defendants, to further attain and help confirm the truth and facts as required for justice to be served in deed, in law, in process and in the spirit of accountability in hopefully moving the law forward for many future outcomes, and as the law requires in order to find a fair, accountable and just outcome for the parties involved and for those who it can help to protect in the future. We believe plaintiff purchased a illegitimate, non transferable, corrupted and defective instrument, defunct, compromised and therefore voided loan that has multiple legal issues creating issues of material fact that excludes them from having any standing to buy, sell, attempt to collect or take any legal action involving this loan, not the least of which is the lack of documentation due to its age and compromised and corrupted history and if this is not the case please provide full documentation to satisfy what the law would require as your burden of proof of your allegations in this complaint. In recent years events clearly shows the corrupt culture of the national banking system and the damage repeatedly done to consumers and to the economy as a whole. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio, XXXX XXXX XXXX XXXX","date_sent_to_company":"2020-06-24T15:50:39.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"431XX","tags":"Older American","has_narrative":true,"complaint_id":"3703140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-06-17T17:53:42.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["outcomes, and as the law requires in order to find a fair, accountable and just outcome for the parties involved and for those who it can help to protect in the <em>future</em>."]},"sort":[5.8211565,"3703140"]},{"_index":"complaint-public-v1","_id":"3705418","_score":5.8058047,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX CFPB COMPLAINT ON FRAUDULENT 14 YEAR OLD HELOC FORECLOSURE COMPLAINT DEAR CFPB, ALL THE INFORMATION BELOW IS EASILY VERIFIED BY DOCUMENTATION AND TELEPHONE RECORDINGS WITH ALL RELEVANT PARTIES. PLEASE FIND BELOW, THE RELEVANT INFORMATION AND DOCUMENTS NECESSARY FOR YOUR REVIEW OF WHAT WE AND OTHERS KNOW TO BE A FRAUDULENT, ILLEGAL, UNDOCUMENTED ATTEMPT TO TAKE OUR HOME VIA AN ILLEGAL FORECLOSURE COMPLAINT BASED ON A PREVIOUSLY DISCHARGED, THEN CANCELLED, THEN TIME BARRED, THEN DISCHARGED AGAIN DUE TO STATUTE OF LIMITATIONS, ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT, ( HELOC ) LOAN FOR {$32000.00} PER YOUR REQUESTED 5 STEP PROTOCOL, PLEASE SEE THE FOLLOWING. \n\n1. WHAT IS THE COMPLAINT ABOUT? WE ARE A XXXX YEAR OLD PRO SE DEFENDANT COUPLE WITH VERY LITTLE KNOWLEDGE OF THE FORECLOSURE PROCESS WHO ARE TRYING TO FIGHT A FRAUDULENT FORECLOSURE ACTION ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT ( HELOC ) FOR WHICH THERE IS NO LONGER PROPER VERIFICATION AVAILABLE TO PRO SE DEFENDANTS AND CONSUMERS ACCORDING TO ALMOST ALL RELEVANT THIRD PARTY SOURCES STATEMENTS TO US, AS WELL AS OBVIOUS ATTEMPTS TO OBSTRUCT OUR GETTING THE PROPER DOCUMENTATION REQUIRED TO DEFEND OURSELVES, IF IT EVEN EXISTS. \nOUR COMPLAINT CONCERNS THE LEGITIMACY OF ALMOST EVERY ASPECT OF THE FORECLOSURE ACTION AGAINST US, FROM THE ORIGINATION IRREGULARITIES SITED BY XXXX XXXX, TO PROCEDURAL VIOLATIONS, LACK OF STANDING, LACK OF COMPLETE AND PROPER DOCUMENTATION AND RESPONSE, MULTIPLE REDACTIONS, POSSIBLE FRAUDULENT AND MISLEADING, CONTRADICTORY RECORDED STATEMENTS INVOLVING MULTIPLE PARTIES ENGAGED IN THE PROCESSING, HOLDING, TRANSFER VIOLATIONS, EMBEZZLEMENT, AND/OR THE NON APPLICATION OF A 1099-C CANCELLATION OF DEBT SITED IN DOCUMENTS ISSUED BY 2 FEDERAL AGENCIES, XXXX XXXX AND THE IRS. THERE ARE MULTIPLE ISSUES IN THE IMPROPER ORIGINATION OF THIS LOAN THAT ARE A MATTER OF RECORD AND CONSTITUTE ISSUES OF MATERIAL FACT. THERE HAS BEEN A CONSISTENT AND DELIBERATE LACK OF TRANSPARENCY AS WELL AS ATTEMPTS TO CONCEAL, MISLEAD AND OTHERWISE CREATE CONFUSION AND AMBIGUITY CONCERNING THE STATUS AND LEGITIMACY OF THIS DEBT, RESULTING IN DOCUMENTED MALFEASANCE, MISFEASANCE AND NONFEASANCE BY MULTIPLE PARTIES INVOLVED AND THEREFORE RESTRICTING THE CONSUMERS RIGHTS TO DUE DILIGENCE AND THUS HARMING OUR CONSTITUTIONAL RIGHT OF DUE PROCESS, IN DEFENDING OURSELVES AS PRO SE DEFENDANTS, AGAINST THIS UNSUPPORTED FRAUDULENT FORECLOSURE ACTION AGAINST OUR HOME OF 33 YEARS. \n\nWE BELIEVE, AND ARE CONFIDENT WE CAN PROVE THE ILLEGAL ACTION AGAINST US TO BE A FRAUDULENT ATTEMPT TO COLLECT A FRAUDULENT DEBT, BY CORRUPTED THIRD PARTY DEFENDANTS AND PLAINTIFFS THAT WE BELIEVE DO NOT HAVE LEGAL STANDING IN AN ATTEMPT TO COLLECT WHAT WE BELIEVE TO BE A PREVIOUSLY RESOLVED DEBT, WHICH THEREFORE REPRESENTS AN ILLEGAL ACTION AGAINST US. THIS IS CLEARLY A THINLY VEILED ATTEMPT TO BULLY HOMEOWNERS INTO SETTLING WITH PRETENDER LENDERS ON FRAUDULENTLY TRUMPED UP, UNSUPPORTED, TIME BARRED DEBTS TO TARGET DEFENDANTS THAT DO NOT HAVE FINANCIAL MEANS TO DEFEND THEMSELVES IN HOPES OF BULLYING, BLACKMAILING AND EXTORTING PAYMENT IN LIEU OF AND WITHOUT AFFORDABLE LEGAL DEFENSE, WHICH IS WHY WE NEED YOUR ASSISTANCE TO MAKING THEM PROVIDE ALL DOCUMENTS RELATING TO AND RELEVANT TO THEIR CLAIMS OF STANDING TO COLLECT THIS FRAUDULENT, PREVIOUSLY RESOLVED, TIME BARRED DEBT, THE LEGITIMACY OF THE DEBT THEY HAVE ACQUIRED, AND THE PROCESS BY WHICH THEY ACQUIRED THE DEBT, INCLUDING ALL BILLING AND PAYMENT DOCUMENTS, INTEREST AND TIME STAMPED BALANCES TO DOCUMENT THEIR DEBT TOTALS CLAIMS MADE IN THEIR COMPLAINT OVER THE LIFE OF THE LOAN, ALL NOTIFICATIONS SENT TO US OF ANY AND ALL TITLE TRANSFERS, ANY 1099-C CANCELLATION TRANSACTIONS ASSOCIATED WITH THIS LOAN. WE REQUEST ANY AND ALL DOCUMENTS RELATING TO THIS LOAN BE SENT TO US, INCLUDING ALL PRIVATE AND PUBLIC AGENCIES DOCUMENTS INCLUDING XXXX XXXX   AND ALL TRANSFER AND BILLING RECORDS GOING BACK TO THE ORIGINATION OF THE LOAN FORWARD, AS ARE REQUIRED BY LAW BY THE CURRENT ALLEGED OWNERS OF THE DEBT, VERIFICATION OF THE DEBT AND A COPY OF THE JUDGMENT. THESE ILLEGAL ACTIVITIES REPRESENT CONSUMER FRAUD, PREDATORY FRAUDULENT DEBT COLLECTION, UNDOCUMENTED, OBSTRUCTIVE AND NON-TRANSPARENT ACTIONS AGAINST CONSUMERS AND BORROWERS WITHOUT PROPER AND COMPLETE DOCUMENTATION OR JUST CAUSE TO DO SO. \n\nFURTHER WE BELIEVE THIS MAY VERY WELL INVOLVE MAIL FRAUD, ABUSE OF PROCESS, MISLEADING AND UNTRUTHFUL STATEMENTS WE HAVE RECORDED AND FRAUD ON MANY LEVELS BY MULTIPLE PARTIES DUE TO GROSS LACK OF DUE DILIGENCE IN ORIGINATING AND ILLEGALLY TRANSFERRING THIS LOAN. \n\n2. WHAT TYPE OF PROBLEM ARE WE HAVING? OBSTRUCTION, MISLEADING INFORMATION AND A TOTAL LACK OF TRANSPARENCY. UPON MULTIPLE INQUIRIES TO ALL THE PARTIES INVOLVED FROM THE ORIGINATION OF THIS LOAN FORWARD, WE WERE TOLD THIS LOAN WAS TOO OLD TO HAVE ANY PROPER DOCUMENTATION. AFTER NOT HAVING HEARD ANYTHING FROM ANYONE FOR 9 YEARS, MY WIFE AND I SUDDENLY ENCOUNTERED ALL OF THE FOLLOWING : WHICH INCLUDES EVERYTHING FROM A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION OF OUR EFFORTS TO PROPERLY RESEARCH, DEFEND OR RESPOND TO THIS FORECLOSURE COMPLAINT ON OUR HOME OF 33 YEARS. OUR FIRST MORTGAGE HAS BEEN CURRENT FOR MANY YEARS NOW. BUT WE HAVE GOTTEN NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, NOTHING FOR 9 YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF A 1099-C IN XX/XX/XXXX, FROM 2 FEDERAL AGENCIES ; XXXX XXXX AND THE IRS THAT SHOULD HAVE CANCELLED THIS LOAN, AS DOCUMENTATION OF THE CANCELLATION REQUIRED US TO PAY TAXES ON THIS CANCELLED LOAN. THIS HAPPENED AT EXACTLY THE SAME TIME OUR 1ST MORTGAGE WAS SOLD. WHEN OUR 1ST MORTGAGE WAS SOLD, WE RECEIVED THE 1099-C CANCELLATION OF DEBT SHORTLY AFTER AND ALL COMMUNICATION CONCERNING THE HELOC CEASED UNTIL THIS COMPLAINT WAS FILED ALMOST 8 YEARS LATER IN LATE XXXX. WE HAVE EXPERIENCED A TOTAL LACK OF ANY PROPER RESPONSE AND TRANSPARENCY AFTER REPEATED REQUESTS BY THE OHIO ATTORNEY GENERALS OFFICE AND OTHERS FOR ALL NECESSARY AND RELEVANT INFORMATION, PROPER DOCUMENTATION AND COOPERATION NECESSARY FOR US TO DEFEND OURSELVES IN THIS FRAUDULENT, ILLEGAL FORECLOSURE COMPLAINT. WE HAVE ENCOUNTERED A SUBSTANTIAL, DELIBERATE AND DAMAGING LACK OF TRANSPARENCY, COOPERATION, CONSISTENCY OF RESPONSE IN AN ATTEMPT TO ENGAGE AND RESPOND TO PLAINTIFFS ( XXXX XXXX XXXX XXXX ) COMPLAINT OF FORECLOSURE ON OUR HOME, TO INCLUDE, BUT ARE NOT LIMITED TO MULTIPLE REDACTIONS IN DOCUMENTS, CONFLICTING, CONTRADICTORY, MISLEADING AND INCONSISTENT EXPLANATIONS OF FACT FROM MULTIPLE PARTIES INVOLVED, CONFLICTING DOCUMENTATION, NON RESPONSES FOR INFORMATION, ALL OF WHICH HAVE DELAYED AND DENIED OUR DUE DILIGENCE AND THEREFORE NECESSARILY, OUR CONSTITUTIONALLY GUARANTEED DUE PROCESS RIGHTS IN DEFENDING THIS LEGAL ACTION AGAINST US AND HARMED OUR ABILITY TO PROPERLY RESPOND, AND DEFEND OURSELVES AGAINST THIS FORECLOSURE ACTION IN THE COURTS. ADDITIONALLY, IN OUR ATTEMPT TO DEFEND OURSELVES WE HAVE ENCOUNTERS MULTIPLE REDACTIONS, INTENTIONALLY MISLEADING STATEMENTS, MULTIPLE CONTRADICTION TO THE SAME QUESTION FROM THE SAME PARTIES AND A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION IN OUR ATTEMPTS TO RESPOND TO THESE FALSE CLAIMS AND TO DEFEND OURSELVES AND OUR HOME. \n\nWE HAVE BEEN TOLD REPEATEDLY, BY MULTIPLE THIRD PARTIES, INVOLVED RELEVANT PARTIES AND PREVIOUS OWNERS OF THIS DEBT, THAT THIS LOAN IS SIMPLY TOO OLD TO HAVE PROPER DOCUMENTATION ON THIS 14 YEAR OLD LOAN, YET THIS COMPLAINT IS BASED ON WHAT THE PLAINTIFFS CLAIM IS SUFFICIENT DOCUMENTATION THAT IT HAS FAILED TO PRODUCE IN ITS ENTIRETY. WE HAVE RECEIVED NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, JUDGMENT, NOTHING FOR 8 PLUS YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF THE AFOREMENTIONED 1099-C, CANCELLATION STATEMENT FORM ISSUED BY XXXX XXXX  AND THE IRS, REQUIRING US TO PAY TAXES ON THIS CANCELLED DEBT IN XX/XX/XXXX. THE EFFORTS BY XXXX XXXX, XXXX XXXX XXXX  ( NOW MERGED WITH XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX AND  XXXX XXXX XXXX ATTORNEYS FOR PLAINTIFF ) HAVE ONLY FURTHER CREATED AMBIGUITY AND CONFUSION FOR MY WIFE AND I IN OUR ABILITY TO PROPERLY DEFEND AND RESPOND TO THIS FORECLOSURE COMPLAINT BY THEIR LACK OF PROPER RESPONSE FOR COMPLETE DOCUMENTATION OF THE LEGITIMACY OF THIS COLLECTION EFFORT. WE ARE UNABLE TO AFFORD AN ATTORNEY AND UNABLE TO OBTAIN THE REPRESENTATION OF AN ATTORNEY AT THIS TIME. BUT THAT MAY NOT ALWAYS BE THE CASE, BASED ON NEW INFORMATION WE HAVE UNCOVERED IN OUR OWN RESEARCH AND DEFENSE OF THIS COMPLAINT. WE BELIEVE THIS CASE DESERVES TO BE INVESTIGATED AS TO REGULATORY AND PROCEDURAL VIOLATIONS THAT WOULD INFORM THE NEED FOR COUNTERCLAIMS / CROSS CLAIMS, RELATED TO MALFEASANCE, MISFEASANCE AND NONFEASANCE AND ITS BROADER IMPLICATIONS TO MOVE THE LAW TO THE BENEFIT OF UNTOLD NUMBERS OF HOME OWNERS AND CONSUMERS VICTIMIZED BY THE ILLEGAL PRACTICES. \n\nADDITIONALLY, XXXX XXXX XXXX XXXX SENT US A WARNING LETTER WITHOUT PROPER LANGUAGE CONCERNING OUR RIGHT TO DISPUTE. THE ORIGINAL COLLECTION LETTERS DID NOT TELL US WE HAD THE RIGHT TO DISPUTE THEIR ALLEGATIONS AND COMPLAINT, BUT SPECIFICALLY STATED -- ONLY WHAT WE WOULD NEED TO DO IF WE DID TRY TO DISPUTE THEIR CLAIMS. THE LETTER WAS VERY SPECIFIC AND STATES CLEARLY THAT WE HAVE THE RIGHT TO REINSTATE AFTER ACCELERATION AND OTHER STIPULATIONS BUT SOMEHOW FAILS TO CLEARLY STATE OUR RIGHTS TO DISPUTE -- CLEARLY STATED FOR THE CONSUMER. THIS IS VERY MISLEADING, BY OMISSION, TO MANY I AM SURE AND NOT THE INTENTION OF THE LAW AND WHAT IT IN FACT ACTUALLY REQUIRES WHICH IS TO INFORM US THAT WE HAVE THE RIGHT TO DISPUTE THIS DEBT IN COURT AND OTHERWISE. IT IS HARD IMAGINE WITH SUCH SPECIFICITY ON OTHER TOPICS AND RIGHTS CLEARLY STATED WITHIN THE DOCUMENT THAT THIS WAS SIMPLY AN OVERSIGHT AND NOT INTENDED TO DIMINISH AND MARGINALIZE A CONSUMERS RIGHTS TO DISPUTE AS REQUIRED BY LAW.! \n\n3. WHAT HAPPED? THE 1099-C CANCELLING OF DEBT, SENT BY THE IRS, DATED XX/XX/XXXX AND FILED BY XXXX XXXX, 2 FEDERAL AGENCIES, WAS NOT, AND HAS NOT BEEN PROPERLY APPLIED AND THEREFORE REPRESENT FRAUDULENT AND RECKLESS ABANDONMENT BY THE OWNERS OF THE LOAN, IN AN ATTEMPT WRITE OFF, CANCEL, DIVIDE THE LOAN, DISCHARGE MULTIPLE TIMES, TO ILLEGALLY TRANSFER A FRAUDULENT, ILL CONCEIVED DEBT, THAT CAN NOT BE SEPARATED OUT FROM THE OBVIOUS CONFUSION, CONFLICTS AND CONTRADICTION CREATED BY THE ORIGINATORS OF THE LOAN XXXX AND THE OTHER PARTIES INVOLVED IN WHAT ANY REASONABLE PERSON WOULD SEE AS A CONCERTED, COORDINATED, CONSISTENT RACKETEERING EFFORT TO UNLAWFULLY TRANSFER AND OR COLLECT WHAT IS AND SHOULD BE A NON EXISTENT, TIME BARRED, PREVIOULY CANCELLED DEBT, RIDDLED WITH FALSE & MISLEADING STATEMENTS, ORIGINATION AND TRANSFER IRREGULARITIES AND VIOLATIONS AND ILLEGALLY CREATED ORIGINATION IRREGULARITIES, OMISSIONS, AND VIOLATIONS HAVE CREATED AND GIVEN RISE TO MULTIPLE ISSUES OF MATERIAL FACT. WE ALSO HAVE RECEIVED DEMANDS FOR MULTIPLE CONFLICTING SUMS AND EXPERIENCED DUAL ACTIONS DURING THE NEGOTIATION OF OUR LOAN MODIFICATION WHICH DID NOT SHOW THE PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, OTHERWISE WE WOULD HAVE INCLUDED. WHAT WE THEN THOUGHT TO BE A CANCELLED DEBT, IN OUR MODIFICATION NEGOTIATION, THEREFORE HARMING AND DAMAGING OUR LEGITIMATE FINANCIAL OPTIONS AND WELL BEING. XXXX XXXX HAS CONFIRMED THE 1099-C CANCELLATION THEY SENT TO THE IRS, BUT THEY, XXXX AND OTHERS THIRD PARTIES CLAIM THE LOAN IS TOO OLD AND CAN NOT OR WILL NOT PROVIDE REQUESTED INFORMATION FOR TRACKING THIS ACTION SO WE CAN CONFIRM RELEVANT DETAILS OF WHO, WHEN AND HOW THESE ILLEGAL ACTIONS TOOK PLACE. THE FORECLOSURE COMPLAINTS ACCURACY IS VERY MUCH IN DOUBT, FROM THE AMOUNTS CLAIMED TO BE OWED, PROCEDURAL VIOLATIONS AND LACK OF DUE DILIGENCE, TO ABUSE OF PROCESS, ILLEGAL AND MISLEADING TITLE TRANSFERS, AND MULTIPLE REDACTIONS RESTRICTING AND OBSTRUCTING OUR ABILITY TO DEFEND OURSELVES TO CLARIFY WHAT WE BELIEVE TO BE DELIBERATE, DOCUMENTABLE COUNTER/CROSS CLAIMS ON MULTIPLE LEVELS, AS IT RELATES TO WHO WAS AND WAS NOT THE LEGAL OWNERS, WHO HAD STANDING TO COLLECT AND SERVICE THE ILLEGALLY CONCEIVED AND EXECUTED LOAN DURING 8 YEARS WITHOUT ANY COMMUNICATIONS. THERE IS TOTAL OBSTRUCTION OF ALL INFORMATION CONCERNING THE TIMING, OWNERSHIP AND LACK OF PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, STATUTE OF LIMITATIONS ISSUES AND THE ILLEGALITY OF ATTEMPTING TO TRANSFER A NON NEGOTIABLE INSTRUMENT. WE REQUESTED, BECAUSE OF THE ABOVE STATED OBSTRUCTION, AND WERE SUBSEQUENTLY GRANTED A 60 EXTENSION BY THE COURT, FOR THE SPECIFIC ABOVE STATED REASONS, IN HOPES OF UNTANGLING ALL THE AMBIGUITY, OBSTRUCTION, MISLEADING AND FRAUDULENT INFORMATION, FACILITATED BY PLAINTIFFS AND OTHER ABOVE STATED THIRD PARTIES IN A COORDINATED EFFORT TO DENY CONSUMERS ACCESS TO THIS RELEVANT INFORMATION AND DOCUMENTATION IF IT DOES IN FACT EVEN EXIST IN REALITY. I AM TOLD IT IS ONLY A DENIAL OF MY RIGHTS OF DUE PROCESS IF PLAINTIFFS DONT SUPPLY THAT INFORMATION TO THE COURT BUT HOW WOULD THE AVERAGE CONSUMER COMPEL THAT RESPONSE WITHOUT LEGAL COUNSEL? THIS IS NOT JUSTICE, FAIR OR THE SPIRIT OF THE LAW IN SECURING CONSUMERS DUE PROCESS IN DEFENDING THEMSELVES, PARTICULARLY WITH REGARD TO PROPER FORECLOSURE DEFENSE. WE HAVE DISCOVERED IN THIS PROCESS, ISSUES OF MATERIAL FACT, AND MUCH TO OUR SURPRISE, THAT A XXXX CANCELLATION OF DEBT, ISSUED BY XXXX XXXX AND THE IRS THAT XXXX XXXX  WAS AWARE OF, WAS NOT PROPERLY APPLIED. IN FACT IT WAS NOT APPLIED AT ALL FROM WHAT WE HAVE FOUND. WE ASSUME SINCE THE 1099-C WAS ISSUED BY THE IRS, THAT THE OWNERS OF THE LOAN AT THAT TIME XXXX XXXX  OR BAYVIEW/ XXXX XXXX, THAT ALL PARTIES MUST HAVE BEEN AND SHOULD HAVE BEEN AWARE OF THIS CANCELLATION OF DEBT ISSUED BY THE XXXX XXXX , WERE USED AS A TAX WRITE OFF FOR THE BANK BUT WERE NOT PROPERLY, IF AT ALL, APPLIED TO OUR LOAN, BUT WERE REALIZED BY XXXX XXXX/BAYVIEW/XXXX  BANK AND THEN LATER BENEFITED FROM SELLING THE LOAN TO OTHER PARTIES. THEREFORE, THERE ARE TENS OF THOUSANDS OF DOLLARS OF CANCELLED DEBT THAT WERE NOT APPLIED BY XXXX OR BAYVIEW/XXXX  TO OUR ACCOUNT AND IS THEREFORE MISSING FROM OUR ACCOUNT WHILE XXXX, WHO OWNED BOTH OUR 1ST MORTGAGE AND HELOC LOAN, HAVING COMMITTED GRAVE ORIGINATION ILLEGALITIES, DIVIDING AND SEPARATING WHAT ORIGINATED AS A SINGLE LOAN, WHEN CLOSING BOTH THESE NO DOC, INTEREST ONLY LOANS ON THE SAME DAY. XXXX SOLD OUR 1ST MORTGAGE IN XX/XX/XXXX. BUT AFTER THE 1ST MORTGAGE WAS SOLD, THE HELOC DISAPPEARED COMPLETELY, ONLY TO SUDDENLY RESURFACE IN LATE XXXX AFTER ALMOST 9 YEARS, EXCEPT FOR THE 1099-C CANCELLATION OF DEBT DOCUMENT THAT WE RECEIVED IN XXXX, 3 PLUS MONTHS AFTER XXXX SOLD OUR MORTGAGE, LEADING US TO BELIEVE THE 1099-C HAD BEEN PROPERLY APPLIED TO OUR HELOC WHICH COMPLETELY DISAPPEARED OFF THE RADAR AT THAT SAME TIME. XXXX STATED IN RECORDINGS TO ME, THAT THEY DISCHARGED OUR HELOC IN XXXX, WHEN THEY SOLD OUR XXXX MORTGAGE AT THAT SAME TIME, THEN SUBSEQUENTLY CANCELLED OUR HELOC, BURIED IT WITH NO COMMUNICATIONS TO US, SOLD OUR LOANS TO OTHER COMPANIES, THEN GOT IT BACK, DISCHARGED IT AGAIN DUE TO THE STATUTE OF LIMITATIONS IN XX/XX/XXXX, THEN SOLD THIS HELOC AGAIN, AFTER 2 DISCHARGES AND 1 CANCELLATION OF THE DEBT, THEN SOLD IT IN LATE XXXX., AND ALL THE WHILE HAVING NOT PROPERLY APPLIED THE CANCELLATION OF DEBT ISSUED BY 2 FEDERAL AGENCIES. AGAIN, I HAVE ALL THESE STATEMENTS RECORDED AND THEREFORE CAN BE TRANSCRIBED FOR YOU AND THE COURT. WE HAVE APPLIED FOR NUMEROUS LOANS OVER THE YEARS, SINCE XXXX WHEN WE RECEIVED THE 1099-C CANCELLATION OF DEBT AND THIS LOAN DID NOT SHOW UP ON OUR CREDIT REPORTS AND WAS NEVER MENTIONED AS EXISTING, DELINQUENT, DEFAULTED OR AS AN ISSUE OF ANY KIND IN THE LOAN APPLICATION PROCESS AND GRANTING OF THE LOANS. XXXX XXXX XXXX  GRANTED US A HOME EQUITY LOAN RECENTLY BUT THOSE FUNDS SEEM TO HAVE BEEN FROZEN UPON THE FILING OF THIS FRAUDULENT FORECLOSURE COMPLAINT, THUS DAMAGING, HARMING AND LIMITING OUR ABILITY TO ACCESS THOSE FUNDS FOR NEEDED REPAIRS ON OUR HOME, AND CRIPPLED OUR FINANCIAL PLANNING IN PREPARING FOR OUR RETIREMENT WHICH WE BELIEVE CLEARLY CREATES DOCUMENTED LIABILITY FOR THOSE FILING THIS FRAUDULENT COMPLAINT AGAINST US AS WELL AS FOR OTHER 3RD PARTIES. IN CONCLUSION, SIMPLY STATED, IT IS EASILY VERIFIED THAT XXXX OWNED BOTH LOANS FROM XXXX, DISCHARGED OUR HELOC, IN LATE XXXX, TOOK THE TAX WRITE OFF, WAS AWARE OF THE XXXX XXXX AND IRS DIRECTED CANCELLATION OF DEBT TO OUR LOANS, THEN BURIED OUR HELOC, WITHOUT A WORD, FOR 9 YEARS, SOLD IT IN LATE XXXX, AND ACCORDING TO RECORDINGS I HAVE OF OUR CONVERSATIONS WHERE THEY STATED THAT THEY DISCHARGED IT AGAIN IN MAY OF XXXX, CULMINATING IN THEIR FRAUDULENTLY DISCHARGING OUR DEBT MULTIPLE TIMES, NOT PROPERLY CANCELLING AND APPLYING THE 1099-C CANCELLATION OF DEBT, PER XXXX XXXX & IRS, 2 FEDERAL AGENCIES DIRECTIVES, AND THEN ILLEGALLY AND FRAUDULENTLY SELLING THIS DEBT 12 YEARS LATER. JUST IN THE LAST YEAR OR SO WE HAVE HEARD FROM 2 DIFFERENT LAW FIRMS, AND 3 DIFFERENT COLLECTION AGENCIES AND SERVICERS ON THE SAME CANCELLED DEBT INCLUDING DIFFERENT AMOUNTS DUE AND DIFFERENT INTERESTS RATES, NO PAYMENT HISTORIES TO SUPPORT THEIR FALSE CLAIMS OF HOW MUCH IS OWED AND AS TO WHO HAS THE RIGHT TO COLLECT THESE DIFFERING AMOUNTS AND WE ARE RELATIVELY SURE THERE WERE 2 OR MORE COLLECTION AGENCIES TRYING TO COLLECT ON THE SAME DEBT AND WITH DIFFERENT AMOUNTS REQUIRED. FURTHER, XXXX WAS PURSUING FORECLOSURE WHILE WE WERE TRYING TO WORK OUT A MODIFICATION AND MEDIATION WHICH WE KNOW IS HIGHLY ILLEGAL. THE STATUTE OF LIMITATION IN OHIO IS NOW BASED ON RETROACTIVELY APPLIED CHANGES MADE IN XXXX ESTABLISHING IT AS 6 YEARS FOR PROMISSORY NOTES AND/OR LOAN DOCUMENTS THAT FUNCTION AS PROMISSORY NOTES WHICH MAKES THIS NOTE TIME BARRED IN OHIO. \n\n4. WHAT COMPANY IS THIS COMPLAINT ABOUT? XXXX XXXX XXXX XXXX. FORECLOSURE COMPLAINT THIS COMPLAINT INVOLVES XXXX XXXX, XXXX XXXX XXXX, THE LOAN ORIGINATORS IN XX/XX/XXXX, UNTIL 09 WHEN THEY MERGED WITH XXXX, THEN IT SOLD TO XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, THEN TO XXXX XXXX XXXX XXXX. BECAUSE NO PROPER DUE DILIGENCE WAS DONE THESE WERE IMPROPERLY TRANSFERS OF THIS FRAUDULENT, DEFECTIVE AND ILLEGAL LOAN IN BETWEEN XXXX AND XXXX XXXX XXXX, BUT XXXX XXXX XXXX FILED THE FORECLOSURE COMPLAINT VIA XXXX XXXX  XXXX, ATTORNEYS FOR PLAINTIFFS, XXXX XXXX XXXX, AND XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, OHIO, XXXX. XXXX XXXX, XXXX, WHO SIGNED THE COMPLAINT IS NO LONGER WITH THAT FIRM AND SO OUR CERTIFIED MAIL, ADDRESSED TO BOTH ATTORNEYS HAS BEEN RETURNED TO US, LEAVING US AS PRO SE ATTORNEYS WONDERING WHO, WHAT, IF, WHEN AND HOW THIS COMPLAINT IS MOVING FORWARD AND IF OUR EFFORTS TO DEFEND OURSELVES ARE BEING IGNORED, SUBJUGATED, INVALIDATED, LOST, OR DISMISSED???? SERVICERS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. WHO ARE THE PEOPLE INVOLVED. XXXX XXXX XXXX XXXX XXXX XXXX -- ATTORNEYS FOR PLAINTIFF BELOW XXXX, OHIO, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) 6. WHAT WE ARE REQUESTING : A FULL INVESTIGATION INTO THIS HIGHLY IRREGULAR, VERY LIKELY FRAUDULENT AND DOCUMENTED FORECLOSURE ACTION BASED ON ISSUES OF MATERIAL FACT. ALL DOCUMENT RELATING TO THIS COMPLAINT FROM ALL PARTIES LISTED IN THIS COMPLAINT TO INCLUDE BUT ARE NOT LIMITED TO THE FOLLOWING WHICH PLAINTIFFS WOULD BE REQUIRED TO HAVE TO PROPERLY SUPPORT CLAIMS ALLEGED IN THIS COMPLAINT. JUDGEMENT FROM THE COURT AGAINST DEFENDANTS DATED XX/XX/XXXX WITH ALL RELEVANT DOCUMENTS AND COMPLETE PAYMENT AND BILLING STATEMENTS TO SUPPORT CLAIMS OF XXXX OWED DATING FROM XX/XX/XXXX TO PRESENT- XX/XX/XXXX AS ALLEGED IN THE COMPLAINT. ALL ANNUAL STATEMENTS, BANKING RECORDS AND DOCUMENTS FROM ANY PERSON OR COMPANY THAT ENGAGED IN ANY WAY WITH THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, SERVICING, OR OWNERSHIP OF THIS LOAN FROM ORIGINATION TO THE PRESENT XX/XX/XXXX PLAINTIFFS, LEGAL COUNSELS LICENSING TO REPRESENT OUT OF STATE COMPANIES IN COLLECTING DEBTS HERE IN OHIO. XXXX XXXX XXXX XXXX, LICENSING AND PROOF OF STANDING TO PURSUE OUT OF STATE LEGAL ACTIONS INCLUDING FORECLOSURE ACTIONS HERE IN OHIO PROVIDE ANY AND ALL RELEVANT INFORMATION AND DOCUMENTATION, DATES AND NAMES OF ALL PARTIES ENGAGED IN THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, TRANSFERS, ASSIGNMENTS, ALLONGES OR OWNERSHIP TO SUPPORT AND DOCUMENT ALLEGATIONS ASSERTED IN PLAINTIFFS FORECLOSURE COMPLAINT, WHICH ANY REASONABLE PERSON WOULD ASSUME THE PLAINTIFFS WOULD HAVE IN THEIR POSSESSION IN ORDER TO SUPPORT ANY LEGITIMATE, LEGAL AND PROPER COMPLAINT TO FACILITATE DUE PROCESS RIGHTS OF PRO SE DEFENDANTS AND JUSTIFY JUST CAUSE VIA PLAINTIFFS REQUIRED DUE DILIGENCE, RESPECT FOR THIS PROCESS AND BURDEN OF PROOF CLEARLY REQUIRED BY THE LAW AND THE SPIRIT OF THE LAW. 7. IN CONCLUSION : WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. PLAINTIFFS CANT EXPLAIN, MUCH LESS PROVE TO A JUDGE AND / OR JURY, BEYOND A REASONABLE DOUBT HOW THE LEGITIMACY, ACCURACY, INTENTIONS, TIMELINESS, LEGALITY, PROCEDURAL INTEGRITY, PAYMENT HISTORY, 1099-C CANCELLATION OF DEBT FAILURES, AND OTHER ISSUES OF MATERIAL FACT DOCUMENTED THROUGHOUT THE HISTORY OF OUR LOAN/LOANS THAT SEEM TO BE UNDERTAKEN TO, AND RESULTING IN, GROSS NONFEASANCE, MALFEASANCE AND MISFEASANCE REPEATEDLY HARMING DEFENDANTS AND THEIR ABILITY TO DEFEND THEMSELVES. OUR DOCUMENTS WILL PROVE, GROSS NEGLECT AND MALFEASANCE AS PLAINTIFFS AND OTHER 3RD PARTIES INVOLVED, LACK OF DUE DILIGENCE RESULTED IN MANIPULATION AND CORRUPTION OF THE LOANS ORIGINATIONS, RANDOMLY DIVIDING THE LOAN INTO PIECES ON WHAT WAS INTENDED TO BE A SINGLE LOAN FROM ITS INCEPTION, TRANSFERS, THEIR FAILURE TO PROPERLY NOTIFY US ABOUT TRANSFERS, WE BELIEVE FRAUDULENTLY, WITH THE PROBABLE INTENT TO INTENTIONALLY MISLEAD, EVADE, GENERALLY CREATE AMBIGUITY, OMIT AND OBSCURE MATERIAL INFORMATION DESIGNED TO INTENTIONALLY HIDE INFORMATION AND TRACKING OF THE LOAN BY PRO SE DEFENDANTS AND THEREFORE DID HARM DEFENDANTS DUE PROCESS RIGHTS IN THEIR ATTEMPTS TO PROPERLY DEFEND THEMSELVES IN THIS FORECLOSURE COMPLAINT. IT IS CLEAR THAT THE ILLEGAL MISHANDLING OF THIS LOAN HAS BEEN INSTITUTIONALIZED THROUGHOUT THE LENDING, OWNERSHIP AND SERVICING PROCESS, CREATING AN INCENTIVE TO DISCOURAGE TRANSPARENCY AND ACCOUNTABILITY FOR CONSUMERS AND HOMEOWNERS, FOR WHICH THE ENTIRE SYSTEM WAS DESIGNED TO PROPERLY SERVE AND PROTECT AS THE FINAL STAKEHOLDER AND END USER OF THE TRANSACTION! THEREFORE FURTHER INVESTIGATION IS NECESSARY AND WANTING IN THIS FAMILIAR PRACTICE ATTEMPTED BY LARGE PRIVATE BANKS TO DEFRAUD HOMEOWNERS AND CONSUMERS THROUGH AN UNNECESSARILY AND OVERLY BURDENSOME PROCESS TO ILLUMINATE THE ISSUES, FACTS AND RELEVANT DOCUMENTS TO RESOLVE THIS ISSUE OUTSIDE OF COURT IF POSSIBLE OR THROUGH THE LEGAL SYSTEM IF NECESSARY, THEREFORE SERIOUSLY HARMING AND DAMAGING HOMEOWNERS AND CONSUMERS LEGAL RIGHTS OF DUE PROCESS AND SELF DEFENSE AS IN THE CASE OF MY FAMILY AS PRO SE DEFENDANTS. IN THE CLEAR LIGHT AND SPIRIT OF THE LAW THIS COMPLAINT SHOULD AND MUST, BE THOROUGHLY INVESTIGATED TO ENSURE TRANSPARENCY, ACCOUNTABILITY AND FAIRNESS TO SUPPORT HOMEOWNERS AND CONSUMERS TO BE SURE THE BURDEN OF PROOF IS ILLUMINATE FOR THE HOMEOWNER AND CONSUMERS BENEFIT, AS A LAST RESORT AND RECOURSE AS PRO SE DEFENDANTS, TO FURTHER ATTAIN AND HELP CONFIRM THE TRUTH AND FACTS AS REQUIRED FOR JUSTICE TO BE SERVED IN DEED, IN LAW, IN PROCESS AND IN THE SPIRIT OF ACCOUNTABILITY IN HOPEFULLY MOVING THE LAW FORWARD FOR MANY FUTURE OUTCOMES, AND AS THE LAW REQUIRES IN ORDER TO FIND A FAIR, ACCOUNTABLE AND JUST OUTCOME FOR THE PARTIES INVOLVED AND FOR THOSE WHO IT CAN HELP TO PROTECT IN THE FUTURE. WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. IN RECENT YEARS EVENTS CLEARLY SHOWS THE CORRUPT CULTURE OF THE NATIONAL BANKING SYSTEM AND THE DAMAGE REPEATEDLY DONE TO CONSUMERS AND TO THE ECONOMY AS A WHOLE. SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OHIO, XXXX XXXX XXXX XXXX","date_sent_to_company":"2020-06-18T19:35:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"431XX","tags":"Older American","has_narrative":true,"complaint_id":"3705418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","date_received":"2020-06-18T16:48:22.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["OUTCOMES, AND AS THE LAW REQUIRES IN ORDER TO FIND A FAIR, ACCOUNTABLE AND JUST OUTCOME FOR THE PARTIES INVOLVED AND FOR THOSE WHO IT CAN HELP TO PROTECT IN THE <em>FUTURE</em>."]},"sort":[5.8058047,"3705418"]},{"_index":"complaint-public-v1","_id":"3705534","_score":5.796838,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX CFPB COMPLAINT ON FRAUDULENT 14 YEAR OLD HELOC FORECLOSURE COMPLAINT DEAR CFPB, ALL THE INFORMATION BELOW IS EASILY VERIFIED BY DOCUMENTATION AND TELEPHONE RECORDINGS WITH ALL RELEVANT PARTIES. PLEASE FIND BELOW, THE RELEVANT INFORMATION AND DOCUMENTS NECESSARY FOR YOUR REVIEW OF WHAT WE AND OTHERS KNOW TO BE A FRAUDULENT, ILLEGAL, UNDOCUMENTED ATTEMPT TO TAKE OUR HOME VIA AN ILLEGAL FORECLOSURE COMPLAINT BASED ON A PREVIOUSLY DISCHARGED, THEN CANCELLED, THEN TIME BARRED, THEN DISCHARGED AGAIN DUE TO STATUTE OF LIMITATIONS, ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT, ( HELOC ) LOAN FOR {$32000.00} PER YOUR REQUESTED 5 STEP PROTOCOL, PLEASE SEE THE FOLLOWING.\n\n1. WHAT IS THE COMPLAINT ABOUT? WE ARE A XXXX YEAR OLD PRO SE DEFENDANT COUPLE WITH VERY LITTLE KNOWLEDGE OF THE FORECLOSURE PROCESS WHO ARE TRYING TO FIGHT A FRAUDULENT FORECLOSURE ACTION ON A 14 YEAR OLD HOME EQUITY LINE OF CREDIT ( HELOC ) FOR WHICH THERE IS NO LONGER PROPER VERIFICATION AVAILABLE TO PRO SE DEFENDANTS AND CONSUMERS ACCORDING TO ALMOST ALL RELEVANT THIRD PARTY SOURCES STATEMENTS TO US, AS WELL AS OBVIOUS ATTEMPTS TO OBSTRUCT OUR GETTING THE PROPER DOCUMENTATION REQUIRED TO DEFEND OURSELVES, IF IT EVEN EXISTS.\n\nOUR COMPLAINT CONCERNS THE LEGITIMACY OF ALMOST EVERY ASPECT OF THE FORECLOSURE ACTION AGAINST US, FROM THE ORIGINATION IRREGULARITIES SITED BY XXXX XXXX, TO PROCEDURAL VIOLATIONS, LACK OF STANDING, LACK OF COMPLETE AND PROPER DOCUMENTATION AND RESPONSE, MULTIPLE REDACTIONS, POSSIBLE FRAUDULENT AND MISLEADING, CONTRADICTORY RECORDED STATEMENTS INVOLVING MULTIPLE PARTIES ENGAGED IN THE PROCESSING, HOLDING, TRANSFER VIOLATIONS, EMBEZZLEMENT, AND/OR THE NON APPLICATION OF A 1099-C CANCELLATION OF DEBT SITED IN DOCUMENTS ISSUED BY 2 FEDERAL AGENCIES, XXXX XXXX AND THE  IRS. THERE ARE MULTIPLE ISSUES IN THE IMPROPER ORIGINATION OF THIS LOAN THAT ARE A MATTER OF RECORD AND CONSTITUTE ISSUES OF MATERIAL FACT. THERE HAS BEEN A CONSISTENT AND DELIBERATE LACK OF TRANSPARENCY AS WELL AS ATTEMPTS TO CONCEAL, MISLEAD AND OTHERWISE CREATE CONFUSION AND AMBIGUITY CONCERNING THE STATUS AND LEGITIMACY OF THIS DEBT, RESULTING IN DOCUMENTED MALFEASANCE, MISFEASANCE AND NONFEASANCE BY MULTIPLE PARTIES INVOLVED AND THEREFORE RESTRICTING THE CONSUMERS RIGHTS TO DUE DILIGENCE AND THUS HARMING OUR CONSTITUTIONAL RIGHT OF DUE PROCESS, IN DEFENDING OURSELVES AS PRO SE DEFENDANTS, AGAINST THIS UNSUPPORTED FRAUDULENT FORECLOSURE ACTION AGAINST OUR HOME OF 33 YEARS. \n\nWE BELIEVE, AND ARE CONFIDENT WE CAN PROVE THE ILLEGAL ACTION AGAINST US TO BE A FRAUDULENT ATTEMPT TO COLLECT A FRAUDULENT DEBT, BY CORRUPTED THIRD PARTY DEFENDANTS AND PLAINTIFFS THAT WE BELIEVE DO NOT HAVE LEGAL STANDING IN AN ATTEMPT TO COLLECT WHAT WE BELIEVE TO BE A PREVIOUSLY RESOLVED DEBT, WHICH THEREFORE REPRESENTS AN ILLEGAL ACTION AGAINST US. THIS IS CLEARLY A THINLY VEILED ATTEMPT TO BULLY HOMEOWNERS INTO SETTLING WITH PRETENDER LENDERS ON FRAUDULENTLY TRUMPED UP, UNSUPPORTED, TIME BARRED DEBTS TO TARGET DEFENDANTS THAT DO NOT HAVE FINANCIAL MEANS TO DEFEND THEMSELVES IN HOPES OF BULLYING, BLACKMAILING AND EXTORTING PAYMENT IN LIEU OF AND WITHOUT AFFORDABLE LEGAL DEFENSE, WHICH IS WHY WE NEED YOUR ASSISTANCE TO MAKING THEM PROVIDE ALL DOCUMENTS RELATING TO AND RELEVANT TO THEIR CLAIMS OF STANDING TO COLLECT THIS FRAUDULENT, PREVIOUSLY RESOLVED, TIME BARRED DEBT, THE LEGITIMACY OF THE DEBT THEY HAVE ACQUIRED, AND THE PROCESS BY WHICH THEY ACQUIRED THE DEBT, INCLUDING ALL BILLING AND PAYMENT DOCUMENTS, INTEREST AND TIME STAMPED BALANCES TO DOCUMENT THEIR DEBT TOTALS CLAIMS MADE IN THEIR COMPLAINT OVER THE LIFE OF THE LOAN, ALL NOTIFICATIONS SENT TO US OF ANY AND ALL TITLE TRANSFERS, ANY 1099-C CANCELLATION TRANSACTIONS ASSOCIATED WITH THIS LOAN. WE REQUEST ANY AND ALL DOCUMENTS RELATING TO THIS LOAN BE SENT TO US, INCLUDING ALL PRIVATE AND PUBLIC AGENCIES DOCUMENTS INCLUDING XXXX XXXX AND ALL TRANSFER AND BILLING RECORDS GOING BACK TO THE ORIGINATION OF THE LOAN FORWARD, AS ARE REQUIRED BY LAW BY THE CURRENT ALLEGED OWNERS OF THE DEBT, VERIFICATION OF THE DEBT AND A COPY OF THE JUDGMENT. THESE ILLEGAL ACTIVITIES REPRESENT CONSUMER FRAUD, PREDATORY FRAUDULENT DEBT COLLECTION, UNDOCUMENTED, OBSTRUCTIVE AND NON-TRANSPARENT ACTIONS AGAINST CONSUMERS AND BORROWERS WITHOUT PROPER AND COMPLETE DOCUMENTATION OR JUST CAUSE TO DO SO. \n\nFURTHER WE BELIEVE THIS MAY VERY WELL INVOLVE MAIL FRAUD, ABUSE OF PROCESS, MISLEADING AND UNTRUTHFUL STATEMENTS WE HAVE RECORDED AND FRAUD ON MANY LEVELS BY MULTIPLE PARTIES DUE TO GROSS LACK OF DUE DILIGENCE IN ORIGINATING AND ILLEGALLY TRANSFERRING THIS LOAN. \n\n2. WHAT TYPE OF PROBLEM ARE WE HAVING? OBSTRUCTION, MISLEADING INFORMATION AND A TOTAL LACK OF TRANSPARENCY. UPON MULTIPLE INQUIRIES TO ALL THE PARTIES INVOLVED FROM THE ORIGINATION OF THIS LOAN FORWARD, WE WERE TOLD THIS LOAN WAS TOO OLD TO HAVE ANY PROPER DOCUMENTATION. AFTER NOT HAVING HEARD ANYTHING FROM ANYONE FOR 9 YEARS, MY WIFE AND I SUDDENLY ENCOUNTERED ALL OF THE FOLLOWING : WHICH INCLUDES EVERYTHING FROM A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION OF OUR EFFORTS TO PROPERLY RESEARCH, DEFEND OR RESPOND TO THIS FORECLOSURE COMPLAINT ON OUR HOME OF 33 YEARS. OUR FIRST MORTGAGE HAS BEEN CURRENT FOR MANY YEARS NOW. BUT WE HAVE GOTTEN NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, NOTHING FOR 9 YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF A 1099-C IN XX/XX/XXXX, FROM 2 FEDERAL AGENCIES ; XXXX XXXX AND THE IRS THAT SHOULD HAVE CANCELLED THIS LOAN, AS DOCUMENTATION OF THE CANCELLATION REQUIRED US TO PAY TAXES ON THIS CANCELLED LOAN. THIS HAPPENED AT EXACTLY THE SAME TIME OUR 1ST MORTGAGE WAS SOLD. WHEN OUR 1ST MORTGAGE WAS SOLD, WE RECEIVED THE 1099-C CANCELLATION OF DEBT SHORTLY AFTER AND ALL COMMUNICATION CONCERNING THE HELOC CEASED UNTIL THIS COMPLAINT WAS FILED ALMOST 8 YEARS LATER IN LATE XXXX. WE HAVE EXPERIENCED A TOTAL LACK OF ANY PROPER RESPONSE AND TRANSPARENCY AFTER REPEATED REQUESTS BY THE OHIO ATTORNEY GENERALS OFFICE AND OTHERS FOR ALL NECESSARY AND RELEVANT INFORMATION, PROPER DOCUMENTATION AND COOPERATION NECESSARY FOR US TO DEFEND OURSELVES IN THIS FRAUDULENT, ILLEGAL FORECLOSURE COMPLAINT. WE HAVE ENCOUNTERED A SUBSTANTIAL, DELIBERATE AND DAMAGING LACK OF TRANSPARENCY, COOPERATION, CONSISTENCY OF RESPONSE IN AN ATTEMPT TO ENGAGE AND RESPOND TO PLAINTIFFS ( XXXX XXXX XXXX XXXX ) COMPLAINT OF FORECLOSURE ON OUR HOME, TO INCLUDE, BUT ARE NOT LIMITED TO MULTIPLE REDACTIONS IN DOCUMENTS, CONFLICTING, CONTRADICTORY, MISLEADING AND INCONSISTENT EXPLANATIONS OF FACT FROM MULTIPLE PARTIES INVOLVED, CONFLICTING DOCUMENTATION, NON RESPONSES FOR INFORMATION, ALL OF WHICH HAVE DELAYED AND DENIED OUR DUE DILIGENCE AND THEREFORE NECESSARILY, OUR CONSTITUTIONALLY GUARANTEED DUE PROCESS RIGHTS IN DEFENDING THIS LEGAL ACTION AGAINST US AND HARMED OUR ABILITY TO PROPERLY RESPOND, AND DEFEND OURSELVES AGAINST THIS FORECLOSURE ACTION IN THE COURTS. ADDITIONALLY, IN OUR ATTEMPT TO DEFEND OURSELVES WE HAVE ENCOUNTERS MULTIPLE REDACTIONS, INTENTIONALLY MISLEADING STATEMENTS, MULTIPLE CONTRADICTION TO THE SAME QUESTION FROM THE SAME PARTIES AND A TOTAL LACK OF COOPERATION TO DOWNRIGHT OBSTRUCTION IN OUR ATTEMPTS TO RESPOND TO THESE FALSE CLAIMS AND TO DEFEND OURSELVES AND OUR HOME. \n\nWE HAVE BEEN TOLD REPEATEDLY, BY MULTIPLE THIRD PARTIES, INVOLVED RELEVANT PARTIES AND PREVIOUS OWNERS OF THIS DEBT, THAT THIS LOAN IS SIMPLY TOO OLD TO HAVE PROPER DOCUMENTATION ON THIS 14 YEAR OLD LOAN, YET THIS COMPLAINT IS BASED ON WHAT THE PLAINTIFFS CLAIM IS SUFFICIENT DOCUMENTATION THAT IT HAS FAILED TO PRODUCE IN ITS ENTIRETY. WE HAVE RECEIVED NO BILLING, INQUIRIES, ANNUAL STATEMENTS, NOTIFICATIONS, JUDGMENT, NOTHING FOR 8 PLUS YEARS CONCERNING THIS HELOC 2ND MORTGAGE UNTIL VERY RECENTLY FOR THIS FORECLOSURE ACTION WITH THE SOLE EXCEPTION OF THE AFOREMENTIONED 1099-C, CANCELLATION STATEMENT FORM ISSUED BY XXXX XXXX AND THE IRS, REQUIRING US TO  PAY TAXES ON THIS CANCELLED DEBT IN XXXX OF XXXX. THE EFFORTS BY XXXX XXXX, XXXX XXXX XXXX ( NOW MERGED WITH XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX XXXX XXXX AND XXXX XXXX XXXX ATTORNEYS FOR PLAINTIFF ) HAVE ONLY FURTHER CREATED AMBIGUITY AND CONFUSION FOR MY WIFE AND I IN OUR ABILITY TO PROPERLY DEFEND AND RESPOND TO THIS FORECLOSURE COMPLAINT BY THEIR LACK OF PROPER RESPONSE FOR COMPLETE DOCUMENTATION OF THE LEGITIMACY OF THIS COLLECTION EFFORT. WE ARE UNABLE TO AFFORD AN ATTORNEY AND UNABLE TO OBTAIN THE REPRESENTATION OF AN ATTORNEY AT THIS TIME. BUT THAT MAY NOT ALWAYS BE THE CASE, BASED ON NEW INFORMATION WE HAVE UNCOVERED IN OUR OWN RESEARCH AND DEFENSE OF THIS COMPLAINT. WE BELIEVE THIS CASE DESERVES TO BE INVESTIGATED AS TO REGULATORY AND PROCEDURAL VIOLATIONS THAT WOULD INFORM THE NEED FOR COUNTERCLAIMS / CROSS CLAIMS, RELATED TO MALFEASANCE, MISFEASANCE AND NONFEASANCE AND ITS BROADER IMPLICATIONS TO MOVE THE LAW TO THE BENEFIT OF UNTOLD NUMBERS OF HOME OWNERS AND CONSUMERS VICTIMIZED BY THE ILLEGAL PRACTICES. \n\nADDITIONALLY, XXXX XXXX XXXX XXXX SENT US A WARNING LETTER WITHOUT PROPER LANGUAGE CONCERNING OUR RIGHT TO DISPUTE. THE ORIGINAL COLLECTION LETTERS DID NOT TELL US WE HAD THE RIGHT TO DISPUTE THEIR ALLEGATIONS AND COMPLAINT, BUT SPECIFICALLY STATED -- ONLY WHAT WE WOULD NEED TO DO IF WE DID TRY TO DISPUTE THEIR CLAIMS. THE LETTER WAS VERY SPECIFIC AND STATES CLEARLY THAT WE HAVE THE RIGHT TO REINSTATE AFTER ACCELERATION AND OTHER STIPULATIONS BUT SOMEHOW FAILS TO CLEARLY STATE OUR RIGHTS TO DISPUTE -- CLEARLY STATED FOR THE CONSUMER. THIS IS VERY MISLEADING, BY OMISSION, TO MANY I AM SURE AND NOT THE INTENTION OF THE LAW AND WHAT IT IN FACT ACTUALLY REQUIRES WHICH IS TO INFORM US THAT WE HAVE THE RIGHT TO DISPUTE THIS DEBT IN COURT AND OTHERWISE. IT IS HARD IMAGINE WITH SUCH SPECIFICITY ON OTHER TOPICS AND RIGHTS CLEARLY STATED WITHIN THE DOCUMENT THAT THIS WAS SIMPLY AN OVERSIGHT AND NOT INTENDED TO DIMINISH AND MARGINALIZE A CONSUMERS RIGHTS TO DISPUTE AS REQUIRED BY LAW.! \n\n3. WHAT HAPPED? THE 1099-C CANCELLING OF DEBT, SENT BY THE IRS, DATED XX/XX/XXXX AND FILED BY XXXX XXXX, 2 FEDERAL AGENCIES, WAS NOT, AND HAS NOT BEEN PROPERLY APPLIED AND THEREFORE REPRESENT FRAUDULENT AND RECKLESS ABANDONMENT BY THE OWNERS OF THE LOAN, IN AN ATTEMPT WRITE OFF, CANCEL, DIVIDE THE LOAN, DISCHARGE MULTIPLE TIMES, TO ILLEGALLY TRANSFER A FRAUDULENT, ILL CONCEIVED DEBT, THAT CAN NOT BE SEPARATED OUT FROM THE OBVIOUS CONFUSION, CONFLICTS AND CONTRADICTION CREATED BY THE ORIGINATORS OF THE LOAN XXXX AND THE OTHER PARTIES INVOLVED IN WHAT ANY REASONABLE PERSON WOULD SEE AS A CONCERTED, COORDINATED, CONSISTENT RACKETEERING EFFORT TO UNLAWFULLY TRANSFER AND OR COLLECT WHAT IS AND SHOULD BE A NON EXISTENT, TIME BARRED, PREVIOULY CANCELLED DEBT, RIDDLED WITH FALSE & MISLEADING STATEMENTS, ORIGINATION AND TRANSFER IRREGULARITIES AND VIOLATIONS AND ILLEGALLY CREATED ORIGINATION IRREGULARITIES, OMISSIONS, AND VIOLATIONS HAVE CREATED AND GIVEN RISE TO MULTIPLE ISSUES OF MATERIAL FACT. WE ALSO HAVE RECEIVED DEMANDS FOR MULTIPLE CONFLICTING SUMS AND EXPERIENCED DUAL ACTIONS DURING THE NEGOTIATION OF OUR LOAN MODIFICATION WHICH DID NOT SHOW THE PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, OTHERWISE WE WOULD HAVE INCLUDED. WHAT WE THEN THOUGHT TO BE A CANCELLED DEBT, IN OUR MODIFICATION NEGOTIATION, THEREFORE HARMING AND DAMAGING OUR LEGITIMATE FINANCIAL OPTIONS AND WELL BEING. XXXX XXXX HAS CONFIRMED THE 1099-C CANCELLATION THEY SENT TO THE IRS, BUT THEY, XXXX AND OTHERS THIRD PARTIES CLAIM THE LOAN IS TOO OLD AND CAN NOT OR WILL NOT PROVIDE REQUESTED INFORMATION FOR TRACKING THIS ACTION SO WE CAN CONFIRM RELEVANT DETAILS OF WHO, WHEN AND HOW THESE ILLEGAL ACTIONS TOOK PLACE. THE FORECLOSURE COMPLAINTS ACCURACY IS VERY MUCH IN DOUBT, FROM THE AMOUNTS CLAIMED TO BE OWED, PROCEDURAL VIOLATIONS AND LACK OF DUE DILIGENCE, TO ABUSE OF PROCESS, ILLEGAL AND MISLEADING TITLE TRANSFERS, AND MULTIPLE REDACTIONS RESTRICTING AND OBSTRUCTING OUR ABILITY TO DEFEND OURSELVES TO CLARIFY WHAT WE BELIEVE TO BE DELIBERATE, DOCUMENTABLE COUNTER/CROSS CLAIMS ON MULTIPLE LEVELS, AS IT RELATES TO WHO WAS AND WAS NOT THE LEGAL OWNERS, WHO HAD STANDING TO COLLECT AND SERVICE THE ILLEGALLY CONCEIVED AND EXECUTED LOAN DURING 8 YEARS WITHOUT ANY COMMUNICATIONS. THERE IS TOTAL OBSTRUCTION OF ALL INFORMATION CONCERNING THE TIMING, OWNERSHIP AND LACK OF PROPER APPLICATION OF THE 1099-C CANCELLATION OF DEBT, STATUTE OF LIMITATIONS ISSUES AND THE ILLEGALITY OF ATTEMPTING TO TRANSFER A NON NEGOTIABLE INSTRUMENT. WE REQUESTED, BECAUSE OF THE ABOVE STATED OBSTRUCTION, AND WERE SUBSEQUENTLY GRANTED A 60 EXTENSION BY THE COURT, FOR THE SPECIFIC ABOVE STATED REASONS, IN HOPES OF UNTANGLING ALL THE AMBIGUITY, OBSTRUCTION, MISLEADING AND FRAUDULENT INFORMATION, FACILITATED BY PLAINTIFFS AND OTHER ABOVE STATED THIRD PARTIES IN A COORDINATED EFFORT TO DENY CONSUMERS ACCESS TO THIS RELEVANT INFORMATION AND DOCUMENTATION IF IT DOES IN FACT EVEN EXIST IN REALITY. I AM TOLD IT IS ONLY A DENIAL OF MY RIGHTS OF DUE PROCESS IF PLAINTIFFS DONT SUPPLY THAT INFORMATION TO THE COURT BUT HOW WOULD THE AVERAGE CONSUMER COMPEL THAT RESPONSE WITHOUT LEGAL COUNSEL? THIS IS NOT JUSTICE, FAIR OR THE SPIRIT OF THE LAW IN SECURING CONSUMERS DUE PROCESS IN DEFENDING THEMSELVES, PARTICULARLY WITH REGARD TO PROPER FORECLOSURE DEFENSE. WE HAVE DISCOVERED IN THIS PROCESS, ISSUES OF MATERIAL FACT, AND MUCH TO OUR SURPRISE, THAT A XXXX CANCELLATION OF DEBT, ISSUED BY XXXX XXXX AND THE IRS THAT XXXX XXXX  WAS AWARE OF, WAS NOT PROPERLY APPLIED. IN FACT IT WAS NOT APPLIED AT ALL FROM WHAT WE HAVE FOUND. WE ASSUME SINCE THE 1099-C WAS ISSUED BY THE IRS, THAT THE OWNERS OF THE LOAN AT THAT TIME XXXX XXXX OR XXXX ETRADE BAND, THAT ALL PARTIES MUST HAVE BEEN AND SHOULD HAVE BEEN AWARE OF THIS CANCELLATION OF DEBT ISSUED BY THE XXXX XXXX , WERE USED AS A TAX WRITE OFF FOR THE BANK BUT WERE NOT PROPERLY, IF AT ALL, APPLIED TO OUR LOAN, BUT WERE REALIZED BY XXXX XXXX/ETRADE BANK AND THEN LATER BENEFITED FROM SELLING THE LOAN TO OTHER PARTIES. THEREFORE, THERE ARE TENS OF THOUSANDS OF DOLLARS OF CANCELLED DEBT THAT WERE NOT APPLIED BY XXXX OR XXXX TO OUR ACCOUNT AND IS THEREFORE MISSING FROM OUR ACCOUNT WHILE XXXX, WHO OWNED BOTH OUR 1ST MORTGAGE AND HELOC LOAN, HAVING COMMITTED GRAVE ORIGINATION ILLEGALITIES, DIVIDING AND SEPARATING WHAT ORIGINATED AS A SINGLE LOAN, WHEN CLOSING BOTH THESE NO DOC, INTEREST ONLY LOANS ON THE SAME DAY. XXXX SOLD OUR 1ST MORTGAGE IN XXXX OF XXXX. BUT AFTER THE 1ST MORTGAGE WAS SOLD, THE HELOC DISAPPEARED COMPLETELY, ONLY TO SUDDENLY RESURFACE IN LATE XXXX AFTER ALMOST 9 YEARS, EXCEPT FOR THE 1099-C CANCELLATION OF DEBT DOCUMENT THAT WE RECEIVED IN XXXX, 3 PLUS MONTHS AFTER XXXX SOLD OUR MORTGAGE, LEADING US TO  BELIEVE THE 1099-C HAD BEEN PROPERLY APPLIED TO OUR HELOC WHICH COMPLETELY DISAPPEARED OFF THE RADAR AT THAT SAME TIME. XXXX STATED IN RECORDINGS TO ME, THAT THEY DISCHARGED OUR HELOC IN XXXX, WHEN THEY SOLD OUR 1ST MORTGAGE AT THAT SAME TIME, THEN SUBSEQUENTLY CANCELLED OUR HELOC, BURIED IT WITH NO COMMUNICATIONS TO US, SOLD OUR LOANS TO OTHER COMPANIES, THEN GOT IT BACK, DISCHARGED IT AGAIN DUE TO THE STATUTE OF LIMITATIONS IN XXXX OF XXXX, THEN SOLD THIS HELOC AGAIN, AFTER 2 DISCHARGES AND 1 CANCELLATION OF THE DEBT, THEN SOLD IT IN LATE XXXX, AND ALL THE WHILE HAVING NOT PROPERLY APPLIED THE CANCELLATION OF DEBT ISSUED BY 2 FEDERAL AGENCIES. AGAIN, I HAVE ALL THESE STATEMENTS RECORDED AND THEREFORE CAN BE TRANSCRIBED FOR YOU AND THE COURT. WE HAVE APPLIED FOR NUMEROUS LOANS OVER THE YEARS, SINCE XXXX WHEN WE RECEIVED THE 1099-C CANCELLATION OF DEBT AND THIS LOAN DID NOT SHOW UP ON OUR CREDIT REPORTS AND WAS NEVER MENTIONED AS EXISTING, DELINQUENT, DEFAULTED OR AS AN ISSUE OF ANY KIND IN THE LOAN APPLICATION PROCESS AND GRANTING OF THE LOANS. XXXX XXXX XXXX GRANTED US A  HOME EQUITY LOAN RECENTLY BUT THOSE FUNDS SEEM TO HAVE BEEN FROZEN UPON THE FILING OF THIS FRAUDULENT FORECLOSURE COMPLAINT, THUS DAMAGING, HARMING AND LIMITING OUR ABILITY TO ACCESS THOSE FUNDS FOR NEEDED REPAIRS ON OUR HOME, AND CRIPPLED OUR FINANCIAL PLANNING IN PREPARING FOR OUR RETIREMENT WHICH WE BELIEVE CLEARLY CREATES DOCUMENTED LIABILITY FOR THOSE FILING THIS FRAUDULENT COMPLAINT AGAINST US AS WELL AS FOR OTHER 3RD PARTIES. IN CONCLUSION, SIMPLY STATED, IT IS EASILY VERIFIED THAT XXXX OWNED BOTH LOANS FROM XXXX, DISCHARGED OUR HELOC,  IN LATE XXXX, TOOK THE TAX WRITE OFF, WAS AWARE OF THE XXXX XXXX AND IRS DIRECTED CANCELLATION OF DEBT TO OUR LOANS, THEN BURIED OUR HELOC, WITHOUT A WORD, FOR 9 YEARS, SOLD IT IN LATE XXXX, AND ACCORDING TO RECORDINGS I HAVE OF OUR CONVERSATIONS WHERE THEY STATED THAT THEY DISCHARGED IT AGAIN IN XXXX OF XXXX, CULMINATING IN THEIR FRAUDULENTLY DISCHARGING OUR DEBT MULTIPLE TIMES, NOT PROPERLY CANCELLING AND APPLYING THE 1099-C CANCELLATION OF DEBT, PER XXXX XXXX  & IRS, 2 FEDERAL AGENCIES DIRECTIVES, AND THEN ILLEGALLY AND FRAUDULENTLY SELLING THIS DEBT 12 YEARS LATER. JUST IN THE LAST YEAR OR SO WE HAVE HEARD FROM 2 DIFFERENT LAW FIRMS, AND 3 DIFFERENT COLLECTION AGENCIES AND SERVICERS ON THE SAME CANCELLED DEBT INCLUDING DIFFERENT AMOUNTS DUE AND DIFFERENT INTERESTS RATES, NO PAYMENT HISTORIES TO SUPPORT THEIR FALSE CLAIMS OF HOW MUCH IS OWED AND AS TO WHO HAS THE RIGHT TO COLLECT THESE DIFFERING AMOUNTS AND WE ARE RELATIVELY SURE THERE WERE 2 OR MORE COLLECTION AGENCIES TRYING TO COLLECT ON THE SAME DEBT AND WITH DIFFERENT AMOUNTS REQUIRED. FURTHER, XXXX WAS PURSUING FORECLOSURE WHILE WE WERE TRYING TO WORK OUT A MODIFICATION AND MEDIATION WHICH WE KNOW IS HIGHLY ILLEGAL. THE STATUTE OF LIMITATION IN OHIO IS NOW BASED ON RETROACTIVELY APPLIED CHANGES MADE IN XXXX ESTABLISHING IT AS 6 YEARS FOR PROMISSORY NOTES AND/OR LOAN DOCUMENTS THAT FUNCTION AS PROMISSORY NOTES WHICH MAKES THIS NOTE TIME BARRED IN OHIO. \n\n4. WHAT COMPANY IS THIS COMPLAINT ABOUT? XXXX XXXX XXXX XXXX. FORECLOSURE COMPLAINT THIS COMPLAINT INVOLVES XXXX XXXX, XXXX XXXX XXXX, THE LOAN ORIGINATORS IN XX/XX/XXXX, UNTIL XXXX WHEN THEY MERGED WITH XXXX, THEN IT SOLD TO XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, THEN TO XXXX XXXX XXXX XXXX. BECAUSE NO PROPER DUE DILIGENCE WAS DONE THESE WERE IMPROPERLY TRANSFERS OF THIS FRAUDULENT, DEFECTIVE AND ILLEGAL LOAN IN BETWEEN XXXX AND XXXX XXXX XXXX, BUT XXXX XXXX XXXX FILED THE FORECLOSURE COMPLAINT VIA XXXX AND XXXX, ATTORNEYS FOR PLAINTIFFS, XXXX XXXX XXXX, AND XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, OHIO, XXXX. XXXX XXXX, XXXX, WHO SIGNED THE COMPLAINT IS NO LONGER WITH THAT FIRM AND SO OUR CERTIFIED MAIL, ADDRESSED TO BOTH ATTORNEYS HAS BEEN RETURNED TO US, LEAVING US AS PRO SE ATTORNEYS WONDERING WHO, WHAT, IF, WHEN AND HOW THIS COMPLAINT IS MOVING FORWARD AND IF OUR EFFORTS TO DEFEND OURSELVES ARE BEING IGNORED, SUBJUGATED, INVALIDATED, LOST, OR DISMISSED???? SERVICERS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. WHO ARE THE PEOPLE INVOLVED. XXXX XXXX XXXX XXXX XXXX XXXX  -- ATTORNEYS FOR PLAINTIFF BELOW XXXX, OHIO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX ( XXXX ) 6. WHAT WE ARE REQUESTING : A FULL INVESTIGATION INTO THIS HIGHLY IRREGULAR, VERY LIKELY FRAUDULENT AND DOCUMENTED FORECLOSURE ACTION BASED ON ISSUES OF MATERIAL FACT. ALL DOCUMENT RELATING TO THIS COMPLAINT FROM ALL PARTIES LISTED IN THIS COMPLAINT TO INCLUDE BUT ARE NOT LIMITED TO THE FOLLOWING WHICH PLAINTIFFS WOULD BE REQUIRED TO HAVE TO PROPERLY SUPPORT CLAIMS ALLEGED IN THIS COMPLAINT. JUDGEMENT FROM THE COURT AGAINST DEFENDANTS DATED XX/XX/XXXX WITH ALL RELEVANT DOCUMENTS AND COMPLETE PAYMENT AND BILLING STATEMENTS TO SUPPORT CLAIMS OF XXXX OWED DATING FROM XX/XX/XXXX TO PRESENT- XX/XX/XXXX AS ALLEGED IN THE COMPLAINT. ALL ANNUAL STATEMENTS, BANKING RECORDS AND DOCUMENTS FROM ANY PERSON OR COMPANY THAT ENGAGED IN ANY WAY WITH THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, SERVICING, OR OWNERSHIP OF THIS LOAN FROM ORIGINATION TO THE PRESENT XX/XX/XXXX PLAINTIFFS, LEGAL COUNSELS LICENSING TO REPRESENT OUT OF STATE COMPANIES IN COLLECTING DEBTS HERE IN OHIO. XXXX XXXX XXXX XXXX, LICENSING AND PROOF OF STANDING TO PURSUE OUT OF STATE LEGAL ACTIONS INCLUDING FORECLOSURE ACTIONS HERE IN OHIO PROVIDE ANY AND ALL RELEVANT INFORMATION AND DOCUMENTATION, DATES AND NAMES OF ALL PARTIES ENGAGED IN THE ORIGINATION, PROCESSING, TAKING OF PAYMENTS, COLLECTIONS, TRANSFERS, ASSIGNMENTS, ALLONGES OR OWNERSHIP TO SUPPORT AND DOCUMENT ALLEGATIONS ASSERTED IN PLAINTIFFS FORECLOSURE COMPLAINT, WHICH ANY REASONABLE PERSON WOULD ASSUME THE PLAINTIFFS WOULD HAVE IN THEIR POSSESSION IN ORDER TO SUPPORT ANY LEGITIMATE, LEGAL AND PROPER COMPLAINT TO FACILITATE DUE PROCESS RIGHTS OF PRO SE DEFENDANTS AND JUSTIFY JUST CAUSE VIA PLAINTIFFS REQUIRED DUE DILIGENCE, RESPECT FOR THIS PROCESS AND BURDEN OF PROOF CLEARLY REQUIRED BY THE LAW AND THE SPIRIT OF THE LAW. \n\n7. IN CONCLUSION : WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. PLAINTIFFS CANT EXPLAIN, MUCH LESS PROVE TO A JUDGE AND / OR JURY, BEYOND A REASONABLE DOUBT HOW THE LEGITIMACY, ACCURACY, INTENTIONS, TIMELINESS, LEGALITY, PROCEDURAL INTEGRITY, PAYMENT HISTORY, 1099-C CANCELLATION OF DEBT FAILURES, AND OTHER ISSUES OF MATERIAL FACT DOCUMENTED THROUGHOUT THE HISTORY OF OUR LOAN/LOANS THAT SEEM TO BE UNDERTAKEN TO, AND RESULTING IN, GROSS NONFEASANCE, MALFEASANCE AND MISFEASANCE REPEATEDLY HARMING DEFENDANTS AND THEIR ABILITY TO DEFEND THEMSELVES. OUR DOCUMENTS WILL PROVE, GROSS NEGLECT AND MALFEASANCE AS PLAINTIFFS AND OTHER 3RD PARTIES INVOLVED, LACK OF DUE DILIGENCE RESULTED IN MANIPULATION AND CORRUPTION OF THE LOANS ORIGINATIONS, RANDOMLY DIVIDING THE LOAN INTO PIECES ON WHAT WAS INTENDED TO BE A SINGLE LOAN FROM ITS INCEPTION, TRANSFERS, THEIR FAILURE TO PROPERLY NOTIFY US ABOUT TRANSFERS, WE BELIEVE FRAUDULENTLY, WITH THE PROBABLE INTENT TO INTENTIONALLY MISLEAD, EVADE, GENERALLY CREATE AMBIGUITY, OMIT AND OBSCURE MATERIAL INFORMATION DESIGNED TO INTENTIONALLY HIDE INFORMATION AND TRACKING OF THE LOAN BY PRO SE DEFENDANTS AND THEREFORE DID HARM DEFENDANTS DUE PROCESS RIGHTS IN THEIR ATTEMPTS TO PROPERLY DEFEND THEMSELVES IN THIS FORECLOSURE COMPLAINT. IT IS CLEAR THAT THE ILLEGAL MISHANDLING OF THIS LOAN HAS BEEN INSTITUTIONALIZED THROUGHOUT THE LENDING, OWNERSHIP AND SERVICING PROCESS, CREATING AN INCENTIVE TO DISCOURAGE TRANSPARENCY AND ACCOUNTABILITY FOR CONSUMERS AND HOMEOWNERS, FOR WHICH THE ENTIRE SYSTEM WAS DESIGNED TO PROPERLY SERVE AND PROTECT AS THE FINAL STAKEHOLDER AND END USER OF THE TRANSACTION! THEREFORE FURTHER INVESTIGATION IS NECESSARY AND WANTING IN THIS FAMILIAR PRACTICE ATTEMPTED BY LARGE PRIVATE BANKS TO DEFRAUD HOMEOWNERS AND CONSUMERS THROUGH AN UNNECESSARILY AND OVERLY BURDENSOME PROCESS TO ILLUMINATE THE ISSUES, FACTS AND RELEVANT DOCUMENTS TO RESOLVE THIS ISSUE OUTSIDE OF COURT IF POSSIBLE OR THROUGH THE LEGAL SYSTEM IF NECESSARY, THEREFORE SERIOUSLY HARMING AND DAMAGING HOMEOWNERS AND CONSUMERS LEGAL RIGHTS OF DUE PROCESS AND SELF DEFENSE AS IN THE CASE OF MY FAMILY AS PRO SE DEFENDANTS. IN THE CLEAR LIGHT AND SPIRIT OF THE LAW THIS COMPLAINT SHOULD AND MUST, BE THOROUGHLY INVESTIGATED TO ENSURE TRANSPARENCY, ACCOUNTABILITY AND FAIRNESS TO SUPPORT HOMEOWNERS AND CONSUMERS TO BE SURE THE BURDEN OF PROOF IS ILLUMINATE FOR THE HOMEOWNER AND CONSUMERS BENEFIT, AS A LAST RESORT AND RECOURSE AS PRO SE DEFENDANTS, TO FURTHER ATTAIN AND HELP CONFIRM THE TRUTH AND FACTS AS REQUIRED FOR JUSTICE TO BE SERVED IN DEED, IN LAW, IN PROCESS AND IN THE SPIRIT OF ACCOUNTABILITY IN HOPEFULLY MOVING THE LAW FORWARD FOR MANY FUTURE OUTCOMES, AND AS THE LAW REQUIRES IN ORDER TO FIND A FAIR, ACCOUNTABLE AND JUST OUTCOME FOR THE PARTIES INVOLVED AND FOR THOSE WHO IT CAN HELP TO PROTECT IN THE FUTURE. WE BELIEVE PLAINTIFF PURCHASED A ILLEGITIMATE, NON TRANSFERABLE, CORRUPTED AND DEFECTIVE INSTRUMENT, DEFUNCT, COMPROMISED AND THEREFORE VOIDED LOAN THAT HAS MULTIPLE LEGAL ISSUES CREATING ISSUES OF MATERIAL FACT THAT EXCLUDES THEM FROM HAVING ANY STANDING TO BUY, SELL, ATTEMPT TO COLLECT OR TAKE ANY LEGAL ACTION INVOLVING THIS LOAN, NOT THE LEAST OF WHICH IS THE LACK OF DOCUMENTATION DUE TO ITS AGE AND COMPROMISED AND CORRUPTED HISTORY AND IF THIS IS NOT THE CASE PLEASE PROVIDE FULL DOCUMENTATION TO SATISFY WHAT THE LAW WOULD REQUIRE AS YOUR BURDEN OF PROOF OF YOUR ALLEGATIONS IN THIS COMPLAINT. IN RECENT YEARS EVENTS CLEARLY SHOWS THE CORRUPT CULTURE OF THE NATIONAL BANKING SYSTEM AND THE DAMAGE REPEATEDLY DONE TO CONSUMERS AND TO THE ECONOMY AS A WHOLE. SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OHIO, XXXX XXXX XXXX XXXX","date_sent_to_company":"2020-06-24T16:23:06.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"431XX","tags":"Older American","has_narrative":true,"complaint_id":"3705534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"E*TRADE BANK","date_received":"2020-06-18T19:53:36.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["OUTCOMES, AND AS THE LAW REQUIRES IN ORDER TO FIND A FAIR, ACCOUNTABLE AND JUST OUTCOME FOR THE PARTIES INVOLVED AND FOR THOSE WHO IT CAN HELP TO PROTECT IN THE <em>FUTURE</em>."]},"sort":[5.796838,"3705534"]},{"_index":"complaint-public-v1","_id":"5690981","_score":4.465377,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is my formal complaint against Santander Bank employees of the XXXXXXXX MA  branch located at XXXX XXXX XXXX and the XXXXXXXX MA  branch located at XXXX XXXX XXXX. On two separate occasions I experienced differential treatment that I believe was racially motivated. During both visits I left the branches feeling demeaned, angry and as though I was being discriminated against, because of the employees own assumptions of me based on my race. I was treated as though I was a theft with regards to an account that I have joint ownership to and legal rights to. As a joint owner to the account in question I followed all the necessary protocol to gain access to the said account. On both occasions I provided two legal forms of identification ; in addition the ability to confirm all information pertaining to the account. However none of this was sufficient enough for these branches on the following dates of services. Please note that I have conducted the same exact transactions on my joint checking account at multiple Santander branches ( XXXX, XXXX, XXXX and XXXX ), on different dates and times without incident but on the following dates ; the service delivered was deplorable. \n\nOn XX/XX/XXXX I entered the XXXX branch to conduct my routine transaction. I had a signed check made payable to the co-owner of the joint account I shared for the amount of {$1300.00}. I asked the teller to deposit {$1000.00} into our joint checking account and requested cashback of {$330.00}. I gave the teller two forms of identification : my license and passport card. The teller began to question me. \nTeller A ( T.A. ) Do you have a debit card?\n\nMe : No T.A. Is this your account?\n\nMe : Yes T.A. : Does this person know what you're doing? ( An odd question ) Me : Yes T.A. : Is she in the car?\n\nMe : No T.A. : Whats your address?\n\nMe : Its on my license that you have in front of you.\n\nTeller A then began to consult with another teller.\n\nT.A. : She wants to deposit and get cashback but the check is not payable to her? The second teller came to the window.\n\nTeller B. : This is your mothers account? ( Teller B serviced me about a week prior during my very first visit to the XXXX branch in obtaining a print out of my statement. ) Me : Yes, Its a joint account that also includes my name. \nTeller B. : Well, you will have to deposit the entire check and then you will need to make a withdrawal for {$330.00}. \nMe : Why? Ive never had to do this in the past. Im not sure why the two of you are giving me a problem with this, now. I've performed this exact transaction at multiple branches without the interrogation nor have I ever had to process it with two separate transactions.\n\nTeller B : This is a brand new policy. You can expect this line of questioning when processing this transaction, it will be processed this way going forward. Its brand new, it just started this week!\n\nMe : Im sure thats false! Ill be sure to conduct this same transaction at another branch to verify. \nTeller B. then asked Teller A. if the account had sufficient funds available to cover the cashback amount to which she replied Yes. Teller A processed my transaction in two separate steps. A deposit for {$1300.00} and then a withdrawal for {$330.00}. I left the branch extremely upset. I knew they were lying about this brand new policy. I felt like I was being accused of stealing. I have multiple joint accounts at various banks and never had I endured this type of treatment. The purpose of adding me to the account was so that I could conduct bank business without complications. This was a complication. \nI decided to call the Santander customer service corporate number and report the service I had just experienced. I spoke with representative XXXX. I was angry, emotional and enraged by this ordeal. XXXX agreed what happened was inappropriate. She also stated that it was not common practice and is unaware of any new policy pertaining to my transaction. XXXX stated she would escalate this matter to someone at the executive office and to expect a phone call back in two to three business days. Days went by and I never received a call from anyone at the executive offices.\n\nThoughts of all the times I performed this same transaction and other transactions that were similar raced through my mind. I had been processing this same transaction for almost two years. Ive deposited my husband 's payroll checks and bonuses into our joint account and got cashback too without issue. How was this any different? What bank policy would have been created to impact this type of transaction? This bothered me for days. Before I knew it, a week had gone by and another check for my mother needed to be deposited again. \nOn Monday XX/XX/XXXX, I made another Santander Bank run. I decided to take the same check, for the same amount and conduct the exact same transaction at the Santander Bank XXXX XXXX located XXXX XXXX XXXX. I had the signed check payable to my mother in hand for the amount of {$1300.00} with my two forms of identification : my license and passport card. I approached the teller window and informed the gentleman teller that I wanted to deposit this check and get cashback. I explained how a total of {$1000.00} was to be deposited into our joint checking and {$330.00} was to be cashback. The teller verified my identifications and account then proceeded to process my request with one swift transaction. He then asked : How would you like your cash? To which I replied Large bills, please, Thank you. No Fuss no Muss. I was pleased with the service that had transpired but was furious by the treatment I had encountered the week before with the tellers at the XXXX branch. If there was a new policy shouldn't all the branches have to follow it? I decided to approach the branch manager XXXX XXXX at XXXX and inquired about the new policy. XXXX XXXX was very kind and respectful. When asked about the policy pertaining to my transaction. He personally reviewed my transaction, then reviewed it with the teller that serviced me and reviewed it a third time with the head teller. XXXX XXXX returned to his office where I waited and stated There is no new policy pertaining to your particular transaction. Who said there was? I recapped the service I received at XXXX the week prior. XXXX XXXX informed me that a new policy was released but it did not pertain to my particular transaction. I thanked him for his assistance and left. I had gotten validation. The tellers at XXXX had treated me differently, interrogated me and made up a policy to justify their actions. I was livid! \nI was angry with the tellers of XXXX. Heated that these women felt the need to create a policy to justify their actions. Angry that my complaint was clearly being ignored by Santander executives. Since I had never received a return call back from anyone in the executive offices that XXXX informed would occur. As time passed this situation was festering. I replayed the events over and over again. The corporate office was ignoring my complaint which made matters that much worse. I couldnt bring myself to return to the XXXX branch but I did voice the mistreatment with multiple Santander employees and management at various locations. Gathering as much information about the policy such as the name of the most recent policy Third Party Endorsement policy. Verifying repeatedly if the transaction I had been conducting for almost two years applied to the policy and was told No repeatedly. I was informed later that the Third Party Endorsement policy was currently on hold. However Santander banks were still not accepting checks that fit its criteria ; in which again my transaction did not apply. It was consuming me. But after having a discussion with branch manager XXXX XXXX of XXXX he recommended I return to the XXXX branch and inform the branch manager of my experience. Id want to know and make things right. XXXX said. I Thought about it and decided that this may be something that I would have to bring myself to do in order to move forward. \nOn XX/XX/XXXX I entered the XXXX Branch for the third and final time. I spoke with Branch Manager XXXX XXXX of XXXX to inform her of the service I received on XX/XX/XXXX. I recapped what transpired with the tellers at her branch during my visit XXXX asked that I wait in her office while she spoke to Teller B. As I sat in the office I could hear some of the conversation XXXX was having with Teller B.\n\nTeller B. : Yeah she said she was going to check this. We followed the policy ; you know that Policy. Neither stated the name of the Policy but upon XXXX  return to the office she became disrespectful. \nXXXX stated I trust XXXX she has been here since Sanatander was XXXX XXXX \nMe : And weve had an account since prior to XXXX when it was XXXX XXXX \nXXXX : There was a policy but that policy has since been put on hold because of problems like this. \nMe : May I see the policy? \nXXXX : No. Its an internal document. \nMe : If you're referring to the third party endorsement policy that particular policy has nothing to do with the transaction I conducted. Ive already been informed of this by multiple branch managers and Santander employees at various locations. \nXXXX : I cant speak for them but the tellers were following the policy that is now on hold. So feel how you feel. \nAs I was getting ready to respond to her she told me. \nXXXX : No, Im talking. she continued to state I recommend you get a debit card so you can avoid being questioned by our tellers. People have found new ways to make fraudulent identification and having a debit card can help with the verification.\n\nMe : I dont want a debit card for this account nor am I required to have one. \nXXXX : Then expect to get questioned every time you bank here. \nMe : You just made this situation a lot worse by further perpetuating this lie. You and your tellers are XXXX and I will report you. She shrugged her shoulders and I stormed out of the XXXX Branch on the verge of tears again. The tellers disrespected me and now so was the manager. I was beyond enraged! \nI contacted Santander Corporate offices again to file another complaint. I spoke to representative XXXX who transferred me to XXXX Customer support manager. Reiterated the entire situation again XXXX agreed the line of verification questioning the tellers where asking was out of norm. She placed me on hold to communicate with her manager regarding the Policy. According to her manager there was a policy relating to my transaction released at the beginning of the quarter which was in XXXX of XXXX That doesnt make any sense because if there was a policy released in XXXX then multiple branches chose to ignore it since I had been conducting the very same transaction for almost two years. XXXX agreed and stated she was going to escalate this matter once again to the executive offices. That afternoon I finally received a phone call from two Santander executive personnel XXXX from the Santander executive office and XXXX XXXX district executive of the XXXX XXXX XXXX for the XXXX and XXXX area. \nI contacted XXXX first on the cell phone number he provided. Our conversation was brief. Again I recapped all the events that transpired at the XXXX branch on XX/XX/XXXX and the disrespectful discussion that I had with Branch Manager XXXX XXXX. He saw no fault with how the tellers handled my transaction. He informed me that asking for your mothers whereabouts was a necessity because then the transaction could be completed to her specification. XXXX went on to say that there was a policy and the policy was put on hold. I informed him that I was aware of the Third party endorsement policy Im also aware that the said policy is on hold and that the third party endorsement policy has nothing to do with the transaction I performed. I then stated It was clear you're not trying to resolve this matter and just further perpetuating the same false information that XXXX is. I disconnected the call. \nI then returned XXXX call from the executive offices of Santandar and again I reiterated the entire event from XX/XX/XXXX to my discussion with XXXX and my phone call with XXXX. I informed XXXX that these employees where clearly discriminating against me and they were racially profiling. They were using a policy that had nothing to do with my transaction to justify their behavior. XXXX stated repeatedly that he was an Advocate for me. XXXX communicated that he recognized the differently treatment of XXXX and \" would advocate for me. I dont like anything youre telling me. This is not how customers are to be treated. '' Thank you for sharing your experience so we can prevent this from happening to anyone else ; in the future. Its ridiculous that they're telling you how to bank. If you don't want a debit card you're not required to have one. Its wrong that theyre using the endorsement policy as their excuse. That policy has no bearing and I will have a talk with XXXX. I'm so sorry for your experience. I hope you can get past this. Let me investigate this matter further, gather everything I need to move forward and get back to you. Im here to advocate for you. \nAs many times as Ive been in this type of scenario and heard all this before pertaining to similar XXXX circumstances. Deep down I knew XXXX was someone who was just letting me rant, he wasnt going to do anything, and I would most likely never hear from him again. But I was hopeful that XXXX was who he said he was, someone who was going to advocate for me but as time passed it was clear that XXXX nor anyone else from the Santander executive offices was never going to get back to me. \nOn XX/XX/XXXX I entered the Santander Bank XXXX branch located at XXXX XXXX XXXX. I just needed a print out of my most recent statement. I put on my two surgical masks in preparation to enter the XXXX branch as I've done time and time before when entering any establishment since the start of the pandemic. Upon entry Sr. Specialist Relationship Banker XXXX XXXX offered to assist me. I provided her with two forms of identification ; my license and credit card. \nMe : I just need a print out of my most recent statement for the joint checking account. \nXXXX : Okay. Whats your telephone number? \nMe : XXXX XXXX She imputed my number into her system. Her next request was a shock! \nXXXX : Remove your mask. \nMe : What? No! \nXXXX : Why not? \nMe : XXXX! \nXXXX : I cant compare your face to your I.D . I need to see your face before I can give you the statement. Go stand over there. ( as she pointed to a corner ) I didnt have time for this. I needed to pick up my children. This was supposed to be a quick, easy stop. As I walked to the corner a wide range of emotions flooded me. Desperation, I needed this statement today. Fear of exposure. Confusion why was she doing this to me? I never had to remove my mask before at any of the other branches. I wasnt asking for cash. Even when I did receive cash from Santander I had my masks on. I just needed my statement! I just needed my statement! I was so angry this was happening again at Santander Bank. I absolutely hated this XXXX bank! Finally submission, I was running late and my babies were waiting for me to pick them up. Reluctantly I complied with her request. I was furious! Furious at her, furious at me, furious at XXXX and Santander executives who had an opportunity to stop employees from XXXX profiling. \nXXXX : Okay, Its for your protection, to protect your information. \nMe : You do this to all your customers? \nXXXX : What is that? ( in a clipped tone ) I only do it to people I dont know. She goes on to say In airports when you fly internationally you're required to remove your mask. Its for your protection. \nMy protection! I was out of time, patience and restraint to have a back and forth with this ignorant woman regarding her statements and actions. The protection of my health, my children 's health is not a factor for her .Last I checked, Santander Bank is not an airport. The fact that Ive avoided traveling due to COVID-19 makes her statement ridiculous. Never during the start of the pandemic has any place of business deliberately jeopardized my health, my family 's health or the health of others by requiring the removal of facial covering that offers some protection against the deadly virus impacting our world today! \nAnd, What absolutely enraged me is that when I surveyed my surroundings I see a XXXX woman at the teller window receiving cash while wearing a blue surgical mask. The XXXX  man behind me with the XXXX XXXX mask on and neither were being forced to remove their facial coverings. However I request my statement and I have to endure an extra form of security check putting me and my family in danger. Where was my protection in that aspect? Why are they protected but not I? \nWhen customers conduct telephone banking a rigorous amount of questions are asked to verify account ownership without requiring facial recognition. As a Senior Specialist Relationship Banker XXXX is aware of these additional methods that dont require me removing my mask. Furthermore, Santander Bank has over 102 million customers and over 14,000 branches globally. Is it her intent to get personally acquainted with each and every customer individually world wide. As stated I have been to this branch on a number of occasions and multiple other branches for various purposes while wearing facial coverings and never once during the pandemic was I ever asked or required to remove my mask. Once XXXX handed me my documents I stormed out of the bank without a word. She made sure to make me aware that she didnt care about my reaction by stating snidely Your welcome! Once again a Santander employee felt it acceptable to disrespect and racially profile me. \nApproximately 45 minutes later I was available to call Santander Bank XXXX. I requested to speak to the branch manager. XXXX XXXX answered the call and I informed him of what transpired during my visit to the branch with XXXX. I was livid and I'm sure XXXX heard it in my voice. XXXX apologized. \nXXXX : You can blame me. Ill take the blame. \nMe : Blame you for what? Why would you take the blame for what she did? Are you listening to what Im saying? She refused to give me my statement until I removed my mask! We've spoken before. I told you about the situation that happened to me at the XXXX branch and it was you who recommended I go back and speak to the branch manager. That if it were your employee youd hold them accountable. Im telling you what your employee did ; hold her accountable! If you're not going to discipline her then get your manager. \nXXXX : I understand XXXX shouldnt have done that. l can have XXXX XXXX give you a call shes my boss. Shes very nice and takes customer complaints very seriously. Let me put you on hold while I talk to XXXX. \nLiterally, seconds later ( Not enough time passed for a talk ) XXXX  is on the line Hello. I'm so sorry. I feel sick after how I treated you. I didnt mean to upset you. Im on your side. \nWhat just happened? XXXX was supposed to be talking to her. Why was she now on my phone! What is wrong with the leadership at Santander Bank? Shes on my side! At this point Im beyond furious!! \nMe : You're not on my side. Why are you on my phone? I called to speak to your boss? \nXXXX : I just have to make sure I do my job were constantly monitored. You understand! We are on camera. Im on your side. Everyday I leave work scared Im going to bring the virus home to my mother. Policy keeps me from wearing a mask. \nMe : You're a Liar! Theres no policy for that. Policy does not prohibit you from wearing a mask at work. Ive seen multiple employees at various Santander locations wearing masks. You're a liar!\n\nD. : Oh no! You misunderstand that I'm unable to wear a mask because it is uncomfortable. I sit in the office all day. It's hard to breathe with it but policy states that I should ask customers to remove their mask to verify them. Especially since you dont have a Santander Card Me : I DIDNT MISUNDERSTAND ANYTHING! YOU'RE SAYING IT! YOU'RE A LIAR!!! IM TIRED OF YOU GUYS MAKING UP POLICIES WHEN YOU GET REPORTED FOR YOUR XXXX ANTICS!!! PUT XXXX BACK ON THE PHONE LET HIM TELL ME THERES A POLICY STATING THAT!!! \nD. : No! NO! NO! YOU DONT UNDERSTAND IM ON YOUR SIDE! \nMe : LIAR! AGAIN WITH THE SANTANDER CARD! AGAIN WITH THE PROFILING! GET OFF MY PHONE! \nThis was going nowhere.What possessed XXXX to put her on the phone. When Im discussing it with you. This is accepting accountability or disciplining XXXX. I was done! \n\n***Please note I verified with multiple Santander branches if there in fact was a mask policy in which customers could be asked to remove their mask for verification? Or if it was against policy for Santander employees to wear facial coverings themselves? The repeated response I received was No! *** As of today XX/XX/XXXX I still have yet to hear back from XXXX, XXXX XXXX or XXXX XXXX. It is evident that Santander Bank employees, managers and executives do nothing to ensure the fair treatment of their minority customers. Minority customers are expected to simply accept the inequality in the services delivered by Santander staff. Should resistance arise then the common practice is to deflect or fabricate policies. Rather than rectifying the problems Santander Bank allows these issues to escalate leading to worse outcomes. In a month 's time I had two to three incidents with two different Santander Bank branches. Whats next? Santander 's lack to properly address the first incident, and ensure that the same equal treatment be delivered throughout all its branches to all customers regardless of race opens the door for more problems towards minority customers. \nI find myself limited to a select few branches where the staff knows me and I them, but what happens if I need to access my account and a turnover in staff occurs. Or if Im in another city/ town i.e. XXXX, MA, or out of State in New York or out of the Country in the XXXX XXXX am I to anticipate the worst and hope for my freedom and life. Regardless of the population surrounding the branches the diversity within the branch or lack thereof is evident. The XXXX and XXXX branch has more diversity compared to that of XXXX and XXXX. The XXXX branch has an XXXX teller, XXXX  XXXX  teller and XXXX head teller with three XXXX  staff members. During my visit to the XXXX branch I saw a XXXX teller, ( I believe I dont like to speculate ) a XXXX  teller, XXXX ( I believe ) XXXX XXXXXXXX branch manager and a XXXX representative. XXXX upon all three of my visits Ive seen four employees all XXXX. XXXX upon my visit on XX/XX/XXXX had a total of three employees at my time of visit ; all XXXX At a later date I saw the branch manager XXXX for the first time who may be of XXXX XXXX XXXX  ( again unsure I dont like to speculate ) but as many times as Ive been to the XXXX branch Ive never seen him before and he was not present during my visit on XX/XX/XXXX. I believe he is a fairly new employee. This is the branch that is closest to my residence.The service delivered by XXXX and XXXX staff demonstrated equality unlike that of XXXX and XXXX. \nHaving a Santander account I should be able to have the same access to the said account regardless of branch staff personal assumptions and location. If I can validate my ownership then hassle should be non-existent. There is an appropriate approach to protecting my account and ensuring I walk out of a Santander Branch with my dignity ; its Equality. \n\n\n# Banking While XXXX","date_sent_to_company":"2022-07-27T19:53:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02135","tags":null,"has_narrative":true,"complaint_id":"5690981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER BANK, NATIONAL ASSOCIATION","date_received":"2022-06-21T04:18:28.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Rather than rectifying the <em>problems</em> Santander Bank allows these issues to escalate leading to worse outcomes. In a month 's time I had two to three incidents with two different Santander Bank branches. Whats next? Santander 's lack to properly address the first incident, and ensure that the same equal treatment be delivered throughout all its branches to all customers regardless of race opens the door for more <em>problems</em> towards minority customers."],"sub_issue":["<em>Problem</em> accessing account"]},"sort":[4.465377,"5690981"]},{"_index":"complaint-public-v1","_id":"6555564","_score":3.2590356,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX, XXXX, Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX only XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX WELLS FARGO Bank - XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia Re : Identity Theft concerns at WELLS FARGO BANK and the settlement agreement with U.S. Dept of Justice to pay customers for internal fee overcharges In America , free trade is intended to benefit the economy, businesses, as well as individual consumers with fair and honest transactions. Anti-Trust Laws are federal legislation intended to inhibit activities of large, well-funded, and highly networked American business enterprises from taking an overly aggressive and/or unfair advantage because of their size and networked organization within the business environment and financial markets. Entities such as banks and large corporations typically fall in this category. \n\nIn unison, these malicious and clandestine behaviors are continuous, collaborated, networked and intentional acts of discriminatory practices, cultural bias/prejudice, and other XXXX behaviors of XXXX AMERICAN business and public officials ( and their associates ) to financially harass, harm, and inhibit XXXX AMERICAN real property, land, and business-ownership. \n\n***SPECIAL NOTE*** As the Personal Representative of the XXXX XXXX XXXX, I, XXXX XXXX XXXX XXXX XXXX focused on securing access and all property rights to marshal my father 's estate assets for probate especially his real property situated at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX which is my personal residential home and my primary business location. I have never surrendered my equity, my access, or my rights to this property or any of my fathers asset properties. ***This Special Note is repeated for emphasis. *** On XX/XX/XXXX, Consumer Reporter XXXX XXXX, XXXX XXXX XXXX, detailed in her report that Wells Fargo customers were victimized with illegal practices that cheated customers on car loans, mortgages, and banking accounts by WELLS FARGO. According to Consumer Financial Protections Bureau ( CFPB ), a U.S. government agency, more than XXXX XXXX Wells Fargo accounts were subjected to these internal illegal practices. \n\nBusiness Reporter XXXX XXXX, XXXX XXXX XXXX XXXX, published on XX/XX/XXXX, that court documents indicated that Wells Fargo defrauded customers between XXXX and XXXX. As I listened closely to news reports about my bank, I was amazed at the information. These reports fed my spirit as they explained so much. The negative Customer Service issues I experienced in recent years and on Thursday, XX/XX/XXXX, must be documented to hold Wells Fargo accountable to the court settlements so that I can be compensated for the losses I have suffered. \n\nThis message details how my relevant concerns from Thursday, XX/XX/XXXX, are consistent with the crimes Wells Fargo XXXX committed and was found guilty of as prosecuted by the U.S. Department of Justice ( US-DOJ ) with input from the CONSUMER FINANCIAL PROTECTION BUREAU XXXX CFPB ). In XXXX settlement, Wells Fargo is currently under court order to repay its customers {$3.00} XXXXillion for overcharged fees and other losses. In a different settlement, Wells Fargo has been ordered to pay {$37.00} million in fines for overcharging some customers. The U.S. Dept of Justice believes Wells Fargo created a work environment and culture where defrauding or otherwise taking advantage of customers became normal business practice. \n\nCurrently, I have XXXX accounts open and active at Wells Fargo that I will continue to use. I am not closing my accounts so that I can continue to pay my bills, and I can remain engaged in the accountability process of the U.S. Dept of Justice with input from the CFPB. \n\nAlso, to protect my rights and my positive credit status, and to inhibit any new/other potential harms due to inappropriate use of my PII by Wells Fargo staff , an Identity Theft complaint has been filed with the Federal Trade Commission XXXX FTC ) along with subsequent complaints filed with the CFPB and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to be bound together with other previously filed complaints to be considered XXXX document. The activities described herein are as they occurred on XX/XX/XXXX, in the WELLS FARGO location on XXXX XXXX XXXX XXXX, XXXX, Georgia and is the triggering event for this complaint. This message is written to XXXX XXXX XXXX XXXX XXXX attention. \n\n***SPECIAL NOTE*** As the Personal Representative of the XXXX XXXX XXXX, I, XXXX XXXX XXXX XXXX XXXX focused on securing access and all property rights to marshal my father 's estate assets for probate especially his real property situated at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX which is my personal residential home and my primary business location. I have never surrendered my equity, my access, or my rights to this or any of my fathers assets properties. ***This Special Note is repeated for emphasis. *** XXXX XXXX, since you are the Branch Manager of the WELLS FARGO on XXXX XXXX XXXX XXXX, XXXX XXXX Georgia XXXX I regularly bank, this message is sent to your attention for follow-up and intervention where necessary. Due to the actions your staff put upon me and my accounts on Thursday, XXXX XXXX, XXXX, please be advised that an Identity Theft complaint was file on Monday, XX/XX/XXXX, with the Federal Trade Commission ( FTC ) that names Wells Fargo staff in your branch as violators who used my Personally Identifiable Information ( PII ) without my permission. I am a customer of Wells Fargo for many years and the quality of service has declined significantly. I have had to file numerous account and fee-related complaints. I have submitted numerous requests for investigation of concerns for potential fraud in recent years. The settlement with the U.S. Dept of Justice explains it all. Details in this letter fine tune my points. \n\nMy Wells Fargo banking accounts have been affected with overdraft fees even as the funds were available, or the check had been paid. Even though my no fee accounts met the criteria for no monthly fee to be assessed, a monthly fee suddenly started to be taken, and is still being taken out of my accounts. A couple of my accounts were closed by the bank for lack of use or no reason at all during the Pandemic. Previous vendors were given access to my accounts to allow payments for charges I did not authorize. Even after I notified the vendor and the bank that ANY pre-authorized access was no longer granted, Wells Fargo still allowed vendors to be paid for charges I did not authorize. Sometimes the funds were put back into my account immediately, then months later taken out again. During XXXX, over {$300.00} was taken from my XXXX account without any prior notice to me. These transactions happened all the time. \n\nConsistent with previously filed Identity Theft, Civil Rights, and mail fraud/ mail mismanagement complaints I filed against local public official and the U.S. postal service employees, Wells Fargo staff repeatedly started to fail to list my residential and mailing address correctly as I requested. At that time, I was unaware these actions were malicious and deliberate. In collusion with others seeking to steal my identity as the legitimate possessor/occupant of my fathers property, Wells Fargo staff tried to change my identity to be associated with my residential address since XXXX. This distraction started a few years ago, shortly after my fathers death and after several years of quality service where my address was no issue. Banks are furnishers of information that would impact the address on a credit history. \n\nThis simple task seemed to stump them until recently I shared that the address issues only existed within a specific region for Wells Fargo in Georgia. Everywhere else no problems. The tall man at the main Customer Service desk at the entrance of your branch was the person who cleaned up my address for accurate delivery of my mail as I needed to re-order and finally receive a XXXX  Debit Card. Submitting my address correctly worked. \n\nApparently, my fiduciary efforts to protect my fathers estate assets led to the discovery of clandestine diversionary tactics by XXXX  AMERICAN bad actors in government, in banking, and in the U.S. postal service to reveal a corporately applied agenda to facilitate illegitimate and illegal state, judicial, or financial takeovers of XXXX XXXX real property, land, businesses, and other financial assets such as with the XXXX XXXX XXXX that I administer. As the natural daughter and Personal Representative of XXXX XXXX XXXX, these actions become relevant to this Identity Theft claim against Wells Fargo. What your staff did was guided by XXXX AMERICAN supervisors with focus on the bigger picture of Civil Rights violations UPON people of XXXX at the hands of people of XXXX. \n\nBut for the guidance of XXXX AMERICAN executives, these violations of law inside the Wells Fargo Bank would not be possible. In unison, such practices are discriminatory to harm a specific class of AMERICAN CITIZENS as they violate U.S. Anti-Trust laws and are hereby submitted to the Consumer Financial Protection Bureau for review, oversight, and referral for additional investigation and legal intervention. \n\nXXXX example that I personally experienced : On XXXX, XXXX XXXX, XXXX, I spoke with Wells Fargo XXXX XXXX XXXX XXXX XXXX in the same office where XXXX XXXX and I XXXX. XXXX XXXX, a XXXX AMERICAN, interjected herself in my Customer Service visit and openly lied to me several times regarding my accounts. Her efforts were an attempt to trick me into paying Wells Fargo over {$400.00} that I did not owe just to replace a compromised account. Her focus was to harm my access to open other accounts within Wells Fargo and at other banksunless I paid the {$400.00}. Though it was a struggle for me, before I left that day my discussion, my documents, and my attention to details resolved most of that extortion agendabut not all. I saved those notes too. \n\nYour Branch Operations XXXX, XXXX XXXX, is aware of my other Identity Theft concerns as a Civil Rights matter. XX/XX/XXXX, I came into the branch to order a new debit card. On that visit to the XXXX XXXX XXXX branch, XXXX XXXX and I had a long and detailed conversation in a branch office regarding excessive overreach of CAUCASIAN AMERICAN public officials and how their behaviors have impacted my personal and business outcomes as I serve to protect my fathers estate. The detailed document of the complaint I submitted XX/XX/XXXX, to the Dept of Justice care of both Georgia XXXX is published on my XXXX XXXX  website ( XXXX : XXXX ). XXXX received my website information ( XXXX XXXX XXXX ) with an invitation to visit my educational platform, and to read for background on the youth group initiative. She asked me to adjust the age range to include her son. XXXX shared her personal email and phone number with me for that purpose. I still have those notes as well. \n\nXXXX XXXX, despite the judgments and fines recently announced against WELLS FARGO, this message details my experience on Thursday, XXXX XXXX, XXXX, in the XXXX branch ( XXXX XXXX ) on XXXX XXXX XXXX XXXX XXXX XXXX branch that you manage. After seeing the news reports and based upon my experiences, I would not be surprised to find that most of the Wells Fargo customers affected in the U.S. DOJ/CFPB settlement are disproportionality XXXX AMERICAN. Your staff continued the abuse previously adjudicated in a federal court as if no ruling had ever been issued as I came into the bank to cash a Wells Fargo check written to me. With all the previously noted issues and several debit cards that were delayed or not delivered by the U.S. Postal Service, I did not want to process the check through my account. I was told I had to use my account to get a Cashiers check and I had to pay a fee ( $ XXXX Cashiers check ). \n\nPer the settlement that WELLS FARGO made with the U.S. Dept of Justice and the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), this message is sent to notify Wells Fargo of my expectation of a settlement refund for all my financial losses due to excessive fees, inappropriate overdrafts, and other overreach incidents regarding all financial products and services-current and inactive. Also known as a CHARGEBACK, a settlement refund amount due to me accumulated over a period of years. I have filed numerous inhouse complaints with Wells Fargo. I expect nothing less than the full value not only for the actual financial losses, but I want compensation for the excessive time energy and money it took to remain solvent and stable in an illegitimate storm of deliberate confusion intended to steal my fathers real property estate asset. \n\nSince I had been in that branch and conducted business several times in the past, I thought I had built a cordial, faith-based rapport with XXXX ( Teller ) and XXXX Tookes XXXX XXXX XXXX  XXXX ). To keep from repeating myself across others in line and to increase privacy, I write a detailed note for bank tellers to read my banking needs for the day. This is my usual practice. \n\nA few minutes into my transactions they both ( XXXX and XXXX ) began to gaslight me with accusations of contentious and uncooperative behavior after they asked to hold my Drivers License in their hands, and when I said no. Even though I held it for them to view, both immediately became aggressive even trying to bully me to let them hold my it in their hand. XXXX even turned her face away to deny my banking needs with service refusal. Based upon my past encounters at other branches, this request was not standard procedure. When I present my bank issued debit or ATM card, my bank card verifies me. During and since the XXXX Pandemic, I prefer to hold my documents. At times, I could tell that they were communicating with someone over my shoulder-behind me, but I have no idea of who it was. My business was in front of me, so I was watching them. Im sure your bank has cameras if that information becomes an issue. \n\nTo get through the transaction, I inserted my bank card into the kiosk per usual procedure. I eventually gave my Driver License over to them because they threatened to not provide any banking service. As my banking transaction was being processed, I asked for my license back. XXXX XXXX was discourteous and contentious as she abruptly returned my id. When I was asked to confirm my transaction as correct and complete, initially it was not according to my request. My name was listed incorrectly. XXXX corrected that issue. \n\nThen suddenly, the printer went into reboot mode just as my documents were called for print, but it had just printed a check for another customers request. Ironically, XXXX happen to be standing near that printer. Both, XXXX and XXXX XXXX, repeatedly assured me that my documents ( Cashiers Checks associated with my account ) are valid when I questioned the printers sudden breakdown. \n\nNext, I noticed XXXX and XXXX XXXX set about completing another form on XXXX terminal without telling me what was happening. My drivers license was again requested to complete something they both said was required but gave me no clear details. I hesitantly returned it to them. I was asked to confirm the address on my Drivers License as it was held up possibly for someone behind me to see. It appeared that my license was being held up for someone behind me to see more than for me to see it. The Drivers License was not actually pointed in my direction. \n\nAnother damming indicator of PII abuse was their production and use of my Social Security number. XXXX of them wrote my SSN on the back of my note. I think it was the XXXX XXXX XXXX handwriting. Not only did I NOT GIVE my SSN to them ( in the Teller line ), neither of them asked for it from me. That information was obviously retrieved from my stored bank account profile by the XXXX XXXX XXXX. \n\nShe wrote my SSN on the back of my original transaction request note. Again, I did not provide nor authorize the use of my Social Security number on a form that I had no knowledge of. She returned my note by laying it face up on top of the teller counter with my SSN showing. Im sure the bank security cameras will verify my statements. I still have the note I wrote with my SSN in their handwriting on the back. They said the form was regarding my transactions, but they did not give me any specific details. \n\nI usually keep the back of my license covered to protect my identity so when I saw them open the back, I asked that the cover be closed. Their banking tasks did not require access to the back of my Drivers License. Both gruffed and complained as they accepted my direction. As I waited for my documents and my transaction receipts to be given to me, I felt uncomfortably vulnerable. They were already trying to gaslight my actions to be difficult, so I said very little. I felt violated as I watched my Personally Identifiable Information ( PII ) was being used for a purpose that I was not being informed of as if I had knowledge when I did not. Before exiting the teller counter, I slowly counted and recounted all my documents and checked my transactions to give time for them to share what/why my PII, especially my Social Security number was used for. They said nothing. \n\nThe XXXX XXXX, XXXX, actions of Wells Fargo personnel noted in this complaint are consistent with my previous Civil Rights complaints to include XXXX XXXX. Pandemic-related Fraud and other fraud-related overreach by XXXX  AMERICAN public officials, and USPS delivery fails. \n\nXX/XX/XXXX, XXXX I filed a Civil Rights complaint into the U.S. Dept of JusticeXXXX XXXX XXXX against XXXX local elected officials of XXXX XXXX, XXXX XXXX Georgia who refused to do their jobs and, thereby, exposed me and my father, XXXX XXXX, to multiple incidents of colluded harassment for the illegal encroachment of his real property assets. As I serve to probate my fathers estate, my complaint was submitted individually and through the offices of XXXX XXXX and XXXX XXXX. That XXXXpage document is posted on my website ( XXXX XXXX XXXX ) as My Story for full cultural disclosure. \n\nXX/XX/XXXX, XXXX filed an I.D . Theft/Fraud complaint against Georgia XXXX XXXX XXXX XXXX XXXX ) ( FTC Report XXXX XXXX ). \n\nXX/XX/XXXX, XXXX filed an I.D . XXXX complaint against the U.S. Post Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ( FTC Report XXXX XXXX ). All subsequent and future complaints are to be bound together as XXXX Civil Rights matter ( id # XXXX ) documented by XXXX XXXX XXXX of the XXXX XXXX XXXX. \n\nMonday, XXXX XXXX, XXXX, I filed an Identity Theft complaint against Wells Fargo-XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXbranch personnel specifically ( FTC Report # XXXX XXXX .. To protect my rights, the FTC requires follow-up letters be sent to notify furnishers of information to stop collection proceedings against me. In the case with Wells Fargo, to stop the harassment of my financial access -internal and external-, and to give my Wells Fargo bank accounts responsible oversight to prevent future unauthorized losses especially as directed by the settlement agreement with the U.S. Dept of Justice in association with the CFPB. This Wells Fargo Identity Theft Letter includes a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information is attached.\n\nAltogether, the tactics of public officers and their relevant agencies exposes a corporately applied agenda to facilitate the illegitimate and illegal state, judicial, or financial, takeover of XXXX AMERICAN-owned real property, land, businesses, and other financial assets such as the assets of the XXXX XXXX XXXX XXXX As I fulfill my responsibilities as Personal Representative, not only are these practices discriminatory they violate U.S. Anti-Trust laws to harm a specific group of Americans as a practice of discrimination. The outcome inhibits the growth of XXXX AMERICAN wealth and stable prosperity like a XXXX century version of XXXX XXXX XXXX XXXX but quieter, clandestine, insidious with technological advancements. \n\nAs part of my XXXX XXXX teachings, I am aware of other XXXX AMERICAN property/ land and business-owners who are similarly affected. Upon encouragement, they are filing their own Civil Rights complaints with the Justice Department to establish that the pattern of discriminatory practice, cultural bias/prejudices, and other XXXX behaviors exist in an Anti-Trust fashion. \n\nMy federal complaint summary and primary impact statement is as follows : Discovery of clandestine diversionary tactics by CAUCASIAN AMERICANS in govt, banking, and the U.S. postal service reveal a corporately applied agenda to facilitate illegitimate and illegal state, judicial, and/or financial takeovers of XXXX AMERICAN-owned real property, land, businesses assets. In unison, such practices are discriminatory to harm a specific class of AMERICAN CITIZENS and violate U.S. Anti-Trust laws. This XX/XX/XXXX, complaint against Wells Fargo ( FTC Report # XXXX ) is consistent with the Civil Rights complaints from XXXX XXXX XXXX, M.Ed. on XX/XX/XXXX, submitted to US-DOJ against XXXX XXXX  AMERICAN public officials care of XXXX XXXX and XXXX XXXX XXXX XXXX I.D . XXXX complaint against Georgia Dept XXXX XXXX XXXX XXXX ) ( FTC Report XXXX XXXX ) ; I.D . XXXX complaint against the XXXX Post XXXX XXXX XXXX, GA ( FTC Report # XXXX XXXX. All documents submitted to the U.S. Dept. of Justice are to be bound together and tagged with US-DOJ Reference id XXXX as if they are XXXX document of evidence. Thank you. XXXX XXXX XXXX, XXXX. \n\nIn closing XXXX XXXX, would you please transmit this message and the attachments to upline WELLS FARGO Corporate Fraud Oversight staff, and/or whomever remits payments to bank customers impacted by the U.S.-DOJ/CFPB court ordered settlements/claims so that my restitution check, or chargeback be process and delivered to me? A PDF copy of this message is attached to emailed messages. \n\nSincere regards, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX : XXXX XXXX-under separate covers : XXXX. XXXX XXXX and XXXX. XXXX XXXX, Consumer Financial Protection Bureau % Senator XXXX XXXX U.S. Dept of Justice-XXXX XXXX XXXX Federal Trade Commission XXXX FTC ) ( FTC Report XXXX XXXX, re : Wells Fargo XXXX XXXX, GA ) XXXX XXXX XXXX XXXX XXXX XXXX ( Reference id # XXXX )","date_sent_to_company":"2023-02-14T14:48:22.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6555564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-02-10T22:12:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This simple task seemed to stump them <em>until</em> recently I shared that the address issues only existed within a specific region for Wells Fargo in Georgia. Everywhere else no <em>problems</em>. The tall man at the main Customer Service desk at the entrance of your branch was the person who cleaned up my address for accurate delivery of my mail as I needed to re-order and finally receive a XXXX  Debit Card. Submitting my address correctly worked."]},"sort":[3.2590356,"6555564"]},{"_index":"complaint-public-v1","_id":"7231909","_score":2.6218123,"_source":{"product":"Checking or savings account","complaint_what_happened":"To try and HELP BANK OF AMERICA LEGAL AND COMPLIANCE DEPT UNDERSTAND CONSUMER RIGHTS- to help them STOP FARTHER INCRIMINATING THEMSELVES IVE LISTED JUST A FEW THAT DIRECTLY APPLY TO BANKS AND OR COVERED BANKS.\n\nCFPB I DEMAND BANK OF AMERICA BEGIN RE READING ALL PORTAL REQUEST PER FEDERAL LAWS- AND BEGIN TO ALLOW THE CFPB & Me as the CFPB STATED MONTHS AGO- ( FEDERALLY REQUIRED ACCEPTABLE ANSWERS. ) I allege BANK OF AMERICA CAN NOT BE SO IGNORANT TO NOT UNDERSTAND THE POSITION THEY PUT THEMSELVES IN BY TO MANY NON FRIVOLOUS CHARGES TO STATE HERE. \n\nTAKING THE 5th by using the ( this appears to be a duplicate- will has TURNED ON WHOMEVER KEEPS DEFYING THE CFPB AND BANKING LAWS FOR EXPLICITLY WRITTEN LEGIBLE UNDERSTANDING FEDERALLY REQUIRED ANSWERS NOW OR IN COURT DEMANDS PER INTERROGATIONAL MOTIONS AND DEPOSITIONS. \n\nAgain as from THE CFPB 1st approach STOP LOOK AND HEAR AND READ. \n\nIN THIS POTAL ALONE, I allege by common sense by the forced admissions, the 2 letter I received from Bank of America and compliance officer XXXX XXXX, ( See downloaded messages- read all carefully as XXXX XXXX claimed ( after CAREFUL REVIEW ) read dates, admission & omissions- in the generalized way BOA compliance had boxed themselves in, per their own illegal admitted per se, by the we are NOT DENYING mishandling XXXX XXXX & HIS GOV BENEFITS MONEY AND ACCOUNTS. \nYet refuse by all but taking the 5th on apox XXXX - request for federal lawful required answers in expected by many federal laws, pertaining to any account more-so in my case- my federal protected direct deposit gov Benifits accounts. \nI need not Tell them how. \nThey need to explicitly explain the mishandling by federal laws- in total honesty as the mishandling began- only hours after a BOA manager XXXX EXILED ) XXXX XXXX tried to help a bank consumer be allowed a ( sworn statement contractual recorded fraud investigation on XX/XX/XXXX. IT TOOK HOURS FOR XXXX XXXX ( using my evidence ) to set all in contractual formate. Yet only a hour FOR BOA COMPLIANCE TO INSTANTANEOUSLY- 1- illegally freeze ( per ( EXILED NOW ) BOA manager ALL XXXX XXXX MONEY ACCESS TO EVEN BLACKED OUT XXXX XXXX ABILITY TO VIEW HIS ONLINE ACCOUNTS- ( ALL WENT BLACK ) THEN- It took ( my evidence ) it took me proving to the CFPB, upon the CFPB, 1st inquiry with BOA COMPLIANCE- to prove BOA COMPLIANCE WAS NOT JUST ACCIDENTALLY FORGETTING, THEY KNEW ME ALL TO WELL- THE BOA COMPLIANCE FLAT OUT LIED, in a 2nd attempt to subvert administration of justice. /THE 1st being the all but ADMITTED, serious UNWARRANTED threatening LETTER TO XXXX XXXX XXXX using the us postal services, IN CONTEMPORARIES ORDER- ( OF ALL THE WAYS THEY MAY illegally, Totally knowingly unwarrantably - take THESE ACTIONS- 1- DESTROY XXXX XXXX REPUTATION, then, also KNOWINGLY WRONGFULLY, turning him into the SOME EARLY WARNING SYSTEM- explaining to XXXX  XXXX this would STOP HIM FROM BEING ABLE TO EVEN OPEN A CHECKING ACCOUNT FOR 5 YEARS, ANYWHERE AT ANY BANK. \nTHEY WENT FARTHER, STATING THEY ALSO Could & MAY turn him into XXXX XXXX. This letter sent in haste to wrongfully intimidate, to defraud, to cause XXXX  XXXX to fear INFORMING PROPER AGENCIES OF PURE ABUSE IN POWER. \n\nThis threat was RECIEVED in us mail XX/XX/XXXX XXXX only 1-1/2 DAYS INTO THE INTENTIONAL Mis handling of XXXX XXXX XXXX protected gov Benifits accounts. \n\nIT TOOK MY EVIDENCES TO THE CFPB TO ALLOW THE TO REPROACH THE BOA COMPLIANCE DEPT- and all but say- WE READ THE EXPLICITLY WRITTEN DETAILED CERTIFIED LETTER BOA COMPLIANCE- just RECENTLY RECIEVED, from XXXX XXXX so start EXPLAINING- THEN BOXED IN YET \" more than obviously aware '' yet BOA HAD TO PRETEXT OUT SOMETHING PER LIES. \n\nSO, read the intentional generalized, LETTER XXXX XXXX WAS FORCED, TO WRITE \" SOMETHING ANY THING. in XXXX ADMITTING \" we are not denying lying \" i guess we got busted so we write AFTER CAREFUL REVIEWING. WE MIS HANDLED IT ALL. \nyea XXXX XXXX. \n\nIT THEN TOOK UNTIL XX/XX/XXXX & XXXX XXXX TO ALLOW XXXX  XXXX TO KNOW- they indeed NEVER TOOK THE FRAUDULENT THREATENING ACTIONS TO FARTHER DESTROY HIS FINACIALLY LIFE AND CREDIT- \" they just did it anyway HOW? BY WHAT THEY CALL THE \" MISHANDLING '' of XXXX  XXXX 's MONEY ACCOUNTS AND XXXX XXXX AND FAMILY BY STARVING THEM OUT- almost 2 full months by additional illegally abuse in power im to many ways to explain in legal terms here. \nAS its WILL all BE IN THE EXPLICITLY EXPLAINED LEGAL SUIT- unless BANK OF AMERICA FINALLY DECIDES ( HELPING XXXX- XXXX GET THEIR WAY- WAS ILLEGAL AND BY XXXX XXXX & more-so CIRCUMSTANTIAL EVIDENCE- per exact date 's, documents- BOA MANAGER XXXX XXXX STATEMENTS- Actions & inactions there of- SAYING AGAIN, DOING AGAIN, more than have time to explain A RECORDING WILL DO FINE. \n\n\n\n\nMaterially interfering with consumers understanding of terms and conditions The first abusiveness prohibition concerns situations where an entity16 materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service.17 Material interference can be shown when an act or omission is intended to impede consumers ability to understand terms or conditions, has the natural consequence of impeding consumers ability to understand, or actually impedes understanding. \nActs or omissions Material interference may include actions or omissions that obscure, withhold, de-emphasize, render confusing, or hide information relevant to the ability of a consumer to understand terms and conditions. Interference can take numerous forms, such as buried disclosures, physical or digital interference, overshadowing, and various other means of manipulating consumers understanding. \nBuried disclosures include disclosures that limit peoples comprehension of a term or condition, including but not limited to, through the use of fine print, complex language, jargon, or the timing of the disclosure.18 Entities can also interfere with understanding by omitting material terms or conditions.19 Physical interference can include any physical conduct that impedes a persons ability to see, hear, or understand the terms and conditions, including but not limited to physically hiding or withholding notices.20 Digital interference can include impediments to a persons ability to see, hear, or understand the terms and conditions when they are presented to someone in electronic or virtual format. This form of interference includes but is not limited to user interface and user experience manipulations such as the use of pop-up or drop-down boxes, multiple click-throughs, or other actions or dark patterns21 that have the effect of making the terms and conditions materially less accessible or salient. \nOvershadowing includes the prominent placement of certain content that interferes with the comprehension of other content, including terms and conditions.22 Material interference There are a number of methods to prove material interference with a consumers ability to understand terms or conditions, including but not limited to those described below. First, while intent is not a required element to show material interference, it is reasonable to infer that an act or omission materially interferes with consumers ability to understand a term or condition when the entity intends it to interfere.23 Second, material interference can be established with evidence that the natural consequence of the act or omission would be to impede consumers ability to understand. And third, material interference can also be shown with evidence that the act or omission did in fact impede consumers actual understanding. While evidence of intent would provide a basis for inferring material interference under the first method, it is not a required element to show material interference. \nCertain terms of a transaction are so consequential that when they are not conveyed to people prominently or clearly, it may be reasonable to presume that the entity engaged in acts or omissions that materially interfere with consumers ability to understand. That information includes, but is not limited to, pricing or costs, limitations on the persons ability to use or benefit from the product or service, and contractually specified consequences of default. \nAdditionally, an entitys provision of a product or service may interfere with consumers ability to understand if the product or service is so complicated that material information about it can not be sufficiently explained or if the entitys business model functions in a manner that is inconsistent with its products or services apparent terms. \nTaking unreasonable advantage The second form of abusiveness under the CFPA prohibits entities from taking unreasonable advantage of certain circumstances.24 Congress determined that it is an abusive act or practice when an entity takes unreasonable advantage of three particular circumstances.25 The circumstances are : 1. A lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service.26 This circumstance concerns gaps in understanding affecting consumer decision-making.\n\n2. The inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service.27 This circumstance concerns unequal bargaining power where, for example, consumers lack the practical ability to switch providers, seek more favorable terms, or make other decisions to protect their interests.\n\n3. The reasonable reliance by the consumer on a covered person to act in the interests of the consumer.28 This circumstance concerns consumer reliance on an entity, including when consumers reasonably rely on an entity to make a decision for them or advise them on how to make a decision. \nUnder the CFPA, it is illegal for an entity to take unreasonable advantage of one of these three circumstances, even if the condition was not created by the entity.29 The ordinary meaning of the phrase take advantage of is generally to make use of for ones own benefit.30 An advantage can include a variety of monetary and non-monetary benefits to the entity or its affiliates or partners, including but not limited to increased market share, revenue, cost savings, profits,31 reputational benefits, and other operational benefits to the entity. \nThe CFPA prohibits taking unreasonable advantage of the specified statutory circumstances. The term reasonable means [ f ] air, proper, or moderate under the circumstances,32 and conversely, unreasonable means exceeding the bounds of reason or moderation.33 In crafting the abusiveness prohibition, Congress identified categories of practices that distort the market and ultimately harm consumers. Therefore, unlike unfairness, government enforcers do not need to independently prove that an act or practice caused substantial injury in order to establish liability under the abusiveness prohibition.34 Evaluating unreasonable advantage involves an evaluation of the facts and circumstances that may affect the nature of the advantage and the question of whether the advantage-taking was unreasonable under the circumstances.35 Such an evaluation does not require an inquiry into whether advantage-taking is typical or not.36 And even a relatively small advantage may be abusive if it is unreasonable. There are also a number of analytical methods, including but not limited to those described below, that can be used to evaluate unreasonable advantage-taking. \nFirst, when Congress formulated the CFPA, one of its main concerns was financial products and services that may be set up to fail. Before the XXXX financial crisis, mortgage lenders were willing to make loans on terms that people could not afford in part due to the ability to off-load default risk into the secondary market. This led to significant harm to the household sector, which was ultimately transmitted to the broader financial system. \nThe CFPAs legislative history explains that, had the CFPB existed, the CFPB would have been able to see and take action against the proliferation of poorly underwritten mortgages with abusive terms.37 Partly in response to the financial crisis, Congress prohibited certain abusive business models and other acts or practices thatcontrary to many consumer finance relationships where the company benefits from consumer successmisalign incentives and generate benefit for a company when people are harmed.38 In many circumstances, it is unreasonable for an entity to benefit from, or be indifferent to, negative consumer outcomes resulting from one of the circumstances identified by Congress. \nSecond, the CFPAs legislative history emphasized that, as a result of CFPB oversight, a consumer can shop and compare products based on quality, price, and convenience without having to worry about getting trapped by fine print into an abusive deal.39 Unreasonable advantage-taking includes using the statutory circumstances to acquire particular leverage over people or deprive consumers of legal rights.40 Relatedly, advantage-taking may be unreasonable when an entity caused one of the circumstances described in CFPA section 1031 ( d ) ( 2 ) .41 One may also assess whether entities are obtaining an unreasonable advantage by considering whether they are reaping more benefits as a consequence of the statutorily identified circumstances, or whether the benefit to the entity would have existed if the circumstance did not exist.42 In other words, entities should not get a windfall due to a gap in understanding, unequal bargaining power, or consumer reliance. Having said that, section 1031 ( d ) ( 2 ) does not require an investigative accounting of costs and benefits or other form of quantification to make a finding. Instead, one may rely on qualitative assessment to determine whether an entity takes an unreasonable advantage.\n\nLack of Understanding The first circumstance, of which entities can not take unreasonable advantage, as defined in the CFPA, concerns a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service.43 When there are gaps in understanding regarding the material risks, costs, or conditions of the entitys product or service, entities may not take unreasonable advantage of that gap. Such gaps could include those between an entity and a consumer. Certain types of gaps in understanding can create circumstances where transactions are exploitative.\n\nGaps in understanding as to risks encompass a wide range of potential consumer harms. Risks include but are not limited to the consequences or likelihood of default44 and the loss of future benefits.45 Gaps in understanding related to costs include any monetary charge to a person as well as non-monetary costs such as lost time, loss of use, or reputational harm.46 And gaps in understanding with respect to conditions include any circumstance, context, or attribute of a product or service, whether express or implicit.47 For example, conditions could include the length of time it would take a person to realize the benefits of a financial product or service,48 the relationship between the entity and the consumers creditors,49 the fact a debt is not legally enforceable,50 or the processes that determine when fees will be assessed.51 While acts or omissions by an entity can be relevant in determining whether people lack understanding,52 the prohibition in section 1031 ( d ) ( 2 ) ( A ) does not require that the entity caused the persons lack of understanding through untruthful statements or other actions or omissions.53 Under the text of section 1031 ( d ) ( 2 ) ( A ), the consumers lack of understanding, regardless of how it arose, is sufficient. If people lack understanding, entities may not take unreasonable advantage of that lack of understanding. The lack of understanding can be caused by third parties and can exist even when there is no contractual relationship between the person and the entity that takes unreasonable advantage of the persons lack of understanding.54 The statutory text of the prohibition does not require that the consumers lack of understanding was reasonable to demonstrate abusive conduct.55 Similarly, the prohibition does not require proof that some threshold number of people lacked understanding to establish that an act or practice was abusive.\n\nA person may lack understanding of risks, costs, or conditions, even if they have an awareness that it is in the realm of possibility that a particular negative consequence may follow or a particular cost may be incurred as a result of using the product or service.56 But consumers generally do not expect companies to benefit from or be indifferent to certain negative consequences, including but not limited to default. Moreover, consumers may not understand that a risk is very likely to happen or thatthough relatively rarethe impact of a particular risk would be severe.57 The inquiry under section 1031 ( d ) ( 2 ) ( A ) is whether some consumers in question have a lack of understanding, not all consumers or even most consumers. Since there can be differences among consumers in the risks, costs, and conditions they face and in their understanding of them, there may be a violation with respect to some consumers even if other consumers do not lack understanding.\n\nLastly, one can demonstrate a persons lack of understanding in a number of ways. For example, direct evidence of lack of understanding, including but not limited to complaints and consumer testimony, can suffice. Evidence or analysis showing that reasonable consumers were not likely to understand can likewise be used to establish lack of understanding. One can also demonstrate lack of understanding by considering course of conduct and likely consequences. For example, if a transaction would entail material risks or costs and people would likely derive minimal or no benefit from the transaction, it is generally reasonable to infer that people who nonetheless went ahead with the transaction did not understand those material risks or costs.58 Inability of Consumers to Protect their Interests The second circumstance, of which entities can not take unreasonable advantage, as defined in the CFPA, concerns the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service.59 When people are unable to protect their interests in selecting or using a consumer financial product or service, they can lack autonomy. In these situations, there is a risk that entities will take unreasonable advantage of the unequal bargaining power.60 Thus, Congress has outlawed taking unreasonable advantage of circumstances where people lack sufficient bargaining power to protect their interests. Such circumstances may occur at the time of, or prior to, the person selecting the product or service, during their use of the product or service, or both.\n\nThe consumer interests contemplated in section 1031 ( d ) ( 2 ) ( B ) include monetary and non-monetary interests, including but not limited to property, privacy, or reputational interests.61 People also have interests in limiting the amount of time or effort necessary to obtain consumer financial products or services or remedy problems related to those products or services. This includes, but is not limited to, the time spent trying to obtain customer support assistance.62 A consumers inability to protect their interests includes situations when it is impractical for them to protect their interests in selecting or using a consumer financial product or service.63 For example, when the steps a person would need to take to protect their interests are unknown to the person64 or are especially onerous,65 they are likely unable to protect their interest. Furthermore, people who do not have monetary means may be unable to protect their interests if the only practical method for doing so requires payment of money.66 Of course, merely serving people without monetary means is not abusive. However, it may be abusive to take unreasonable advantage of a persons lack of monetary means to protect their interests.67 The nature of the customer relationship may also render consumers unable to protect their interests in selecting or using a consumer financial product or service. People are often unable to protect their interests when they do not elect to enter into a relationship with an entity and can not elect to instead enter into a relationship with a competitor. These consumer relationships, including but not limited to those with credit reporting companies, debt collectors, and third-party loan servicers, are generally structured such that people can not exercise meaningful choice in the selection or use of any particular entity as a provider. In these circumstances, people can not protect their interests by choosing an alternative provider either upfront ( i.e., they have no ability to select the provider to begin with ) or during the course of the customer relationship ( i.e., they have no competitive recourse if they encounter difficulty with the entity while using the product or service ). Obviously, such relationships are not per se abusive ; however, entities may not take unreasonable advantage of the absence of choice in these types of relationships.68 In addition, entities may not take unreasonable advantage of the fact that they are the only source for important information or services.69 Consumers may also lack power to protect their interests in selecting or using a consumer financial product or service when entities use form contracts, where contractual provisions are not subject to a consumer choice.70 Similarly, where the person is unable to bargain over a clause because it is non-negotiable, they may be deprived of the ability to protect their interests.71 Consumers are often unable to protect their interests in selecting or using a consumer financial product or service where companies have outsized market power. When an entitys market share, the concentration in a market more broadly, or the market structure prevents people from protecting their interests by choosing an entity that offers competitive pricing, entities may not use their market power to their unreasonable advantage.72 In addition, people are often unable to protect their interests in using a product or service if they face high transaction costs to exit the relationship. For example, the time, effort, cost, or risks associated with extricating oneself from a relationship with entities may effectively lock people into the relationship.\n\nReasonable Reliance The third circumstance, of which entities can not take unreasonable advantage, as defined in the CFPA, concerns the reasonable reliance by the consumer on a covered person to act in the interests of the consumer.73 This basis for finding abusiveness recognizes that sometimes people are in a position in which they have a reasonable expectation that an entity will act in their interest to make decisions for them, or to advise them on how to make a decision. Where people reasonably expect that a covered entity will make decisions or provide advice in the persons interest, there is potential for betrayal or exploitation of the persons trust. Therefore, Congress prohibited taking unreasonable advantage of reasonable consumer reliance. There are a number of ways to establish reasonable reliance, including but not limited to the two described below.\n\nFirst, reasonable reliance may exist where an entity communicates to a person or the public that it will act in its customers best interest, or otherwise holds itself out as acting in the persons best interest. Where an entity communicates to people that it will act in their best interest, or otherwise holds itself out as doing so, including through statements, advertising, or any other means, it is generally reasonable for people to rely on the entitys explicit or implicit representations to that effect.74 People reasonably assume entities are telling the truth. The entity in these situations creates an expectation of trust and the conditions for people to rely on the entity to act in their best interest.\n\nSecond, reasonable reliance may also exist where an entity assumes the role of acting on behalf of consumers or helping them to select providers in the market. In certain circumstances entities assume the role of acting on behalf of people as their agents or representatives, and people should be able to rely on those entities to act on their behalf. In other circumstances entities often act as intermediaries to help people navigate marketplaces for consumer financial products or services.75 In these situations, the entity, acting as an intermediary, can function as a broker or other trusted source that the person uses in selecting, negotiating for, or otherwise facilitating the procurement of consumer financial products or services provided by third parties. Where the entitys role in the marketplace is to perform these kinds of intermediary functions, people should be able to rely on the entity to do so in a manner that is free of manipulation.76 In both circumstances, entities that engage in certain forms of steering or self-dealing may be taking unreasonable advantage of the consumers reasonable reliance.77 Footnotes 1. CFPA section 1036 ( a ) ( 1 ) ( B ), 12 U.S.C.5536 ( a ) ( 1 ) ( B ). In CFPA section 1031, Congress prohibited covered persons and services providers from committing or engaging in unfair, deceptive, or abusive acts or practices in connection with the offering or provision of\nconsumer financial products or services. CFPA section 1031 ( d ) sets forth the general standard for determining whether an act or practice is abusive. See 12 U.S.C. 5531 ( d ). \n2. See, e.g., FTC v. Standard Educ. Socy,\n\n86 F.2d 692, 696 ( 2d Cir. 1936 ), revd in part on other grounds, 302 U.S. 112, 116 ( 1937 ) ( describing the congressional prohibitions intended to regulate methods of fair dealing in the marketplace ). Certain other Federal consumer financial laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Home Ownership and Equity Protection Act ( HOEPA ), reference either the term abusive or abuse. See 15 U.S.C. 1692d ( FDCPA ), 15 U.S.C. 1639 ( p ) ( 2 ) ( B ) ( HOEPA ). The Telemarketing and Consumer Fraud and Abuse Prevention Act also directed the Federal Trade Commission ( FTC ) to prescribe rules prohibiting deceptive telemarketing acts or practices and other abusive telemarketing acts or practices. 15 U.S.C. 6102 ( a ) ( 1 ).\n\n3. In 1914, Congress passed the FTC Act, which declared as unlawful unfair methods of competition but did not define the term unfair. Act of Sept. 26, 1914, ch. 311, sec. 5 ( a ), 38 Stat. 717, 719 ( codified at 15 U.S.C. 45 ( a ) ). Congress intended that this prohibition would capture conduct that caused competitive harm yet remain flexible enough to allow the law to develop and avoid circumvention. As the Supreme Court explained in 1934, [ n ] either the language nor the history of the Act suggests that Congress intended to confine the forbidden methods to fixed and unyielding categories, and Congress, in defining the powers of the FTC, advisedly adopted a phrase which... does not admit of precise definition, but the meaning and application of which must be arrived at by... the gradual process of judicial inclusion and exclusion. FTC v. R.F. Keppel & Bro., 291 U.S. 304, 310, 312 ( 1934 ) ( internal quotation marks omitted ). \n4. In 1938, in the Wheeler-Lea Act, Congress amended the FTC Act to declare as unlawful unfair or deceptive acts or practices. Wheeler-Lea Act, ch. 49, sec. 3, 52 Stat. 111, 111-14 ( 1938 ) ; 15 U.S.C. 45 ( a ). As it had done previously with unfair methods of competition, Congress did not define this term, instead intending for it to be developed over time. See Am. Fin. Servs. Assn v. FTC, 767 F.2d 957, 978 ( D.C. Cir. 1985 ) ( AFSA ) ( [ N ] either Congress nor the FTC has seen fit to delineate the specific kinds of practices which will be deemed unfair.... Instead the FTC has adhered to its established convention, envisioned by Congress, of developing and refining its unfair practice criteria on a progressive, incremental basis. ).","date_sent_to_company":"2023-07-10T14:30:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78664","tags":"Older American","has_narrative":true,"complaint_id":"7231909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-07-10T14:10:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["In these circumstances, people can not protect their interests by choosing an alternative provider either upfront ( i.e., they have no ability to select the provider to begin with ) or during the course of the customer relationship ( i.e., they have no competitive recourse if they <em>encounter</em> difficulty with the entity while using the product or service )."]},"sort":[2.6218123,"7231909"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":14,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":14}]}},"product":{"doc_count":14,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":4},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Debt collection","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":4},{"key":"Credit card debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":14,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Managing an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":1},{"key":"Deposits and withdrawals","doc_count":1},{"key":"Funds not handled or disbursed as instructed","doc_count":1},{"key":"Problem accessing account","doc_count":1},{"key":"Problem making or receiving payments","doc_count":1}]}},{"key":"False statements or representation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":3}]}},{"key":"Attempts to collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":14,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":14}]}},"company_response":{"doc_count":14,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":12},{"key":"Closed with monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":14,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":14}]}},"company":{"doc_count":14,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"PNC Bank N.A.","doc_count":2},{"key":"WELLS FARGO & COMPANY","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"Blitt and Gaines, P.C.","doc_count":1},{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"SANTANDER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"U.S. BANCORP","doc_count":1}]}},"state":{"doc_count":14,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"OH","doc_count":4},{"key":"CA","doc_count":2},{"key":"OR","doc_count":2},{"key":"FL","doc_count":1},{"key":"GA","doc_count":1},{"key":"MA","doc_count":1},{"key":"MN","doc_count":1},{"key":"MO","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":14,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":7}]}},"tags":{"doc_count":14,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":6},{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}