{"took":243,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":41,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2693775","_score":26.00028,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Data Breach : Looked up information indicating at risk personal information due to Equifax data breach. Attempted to enroll in 1 year free Trusted ID service on XXXX/XXXX/XXXX after receiving email link. Repeated attempts to login to Equifax program online without success because \" system unavailable ''. Called Equifax customer care phone at XXXX today, XXXX/XXXX/XXXX. They could not locate me in their system and it was suggested I try to use online system all over again. Also suggested I get a XXXX XXXX credit card as a way to temporarily put a freeze on financial exposure. \n\nEquifax created the problem and apologies are n't going to protect me credit. \n\nI am giving up and enrolling in XXXX XXXX.","date_sent_to_company":"2017-10-05T17:28:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92688","tags":null,"has_narrative":true,"complaint_id":"2693775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-05T17:01:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Equifax <em>Data</em> Breach : Looked up information indicating at <em>risk</em> personal information due to Equifax <em>data</em> breach. Attempted to enroll in 1 year free Trusted ID service on XXXX/XXXX/XXXX after receiving email link. Repeated attempts to login to Equifax program online without success because \" <em>system</em> unavailable ''. Called Equifax <em>customer</em> care phone at XXXX today, XXXX/XXXX/XXXX. They could not locate me in their <em>system</em> and it was suggested I try to use online <em>system</em> all over again."]},"sort":[26.00028,"2693775"]},{"_index":"complaint-public-v1","_id":"13108526","_score":22.571178,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally raise a concern regarding a situation involving my former employer, Berkshire Bank, where I believe there may be a breach of proper security protocols and regulatory compliance standards. \n\nI was previously employed by Berkshire Bank and have since been formally terminated from my role as of XX/XX/year>. Despite my termination, I have been repeatedly contacted and asked to access or test features within the institutions online banking environment, specifically within their XXXX XXXX XXXX ( XXXX ) for security-related functionality. \n\nI believe this situation raises serious concerns, including but not limited to : Potential violation of internal and industry-standard information security practices Continued unauthorized access to sensitive systems post-termination Risk exposure to customer data or system integrity Lack of proper access revocation and system controls upon employee offboarding I respectfully request that the CFPB look into this matter to determine whether this institution is complying with appropriate consumer protection and cybersecurity standards. \n\nI am happy to provide any further details, documentation, or communication records related to this issue if needed. \n\nThank you for your time and attention.","date_sent_to_company":"2025-04-22T21:03:07.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"015XX","tags":null,"has_narrative":true,"complaint_id":"13108526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BEACON FINANCIAL CORPORATION","date_received":"2025-04-22T20:31:38.000Z","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":["I believe this situation raises serious concerns, including but not limited to : Potential violation of internal and industry-standard information security practices Continued unauthorized access to sensitive <em>systems</em> post-termination <em>Risk</em> <em>exposure</em> to <em>customer</em> <em>data</em> or <em>system</em> integrity Lack of proper access revocation and <em>system</em> controls upon employee offboarding I respectfully request that the CFPB look into this matter to determine whether this institution is complying with appropriate consumer protection"]},"sort":[22.571178,"13108526"]},{"_index":"complaint-public-v1","_id":"19571697","_score":21.010452,"_source":{"product":"Credit card","complaint_what_happened":"My Citi credit card and personal information were compromised through identity theft. I filed an FTC identity theft report and police report. Citi closed my account and reissued my credit card multiple times ( three times ), yet the fraudulent activvity continued. Despite the card replaced, unauthorized charges from Hertz/Thrifty continued to post, which indicates that Citi allowed my compromised card credentials and personal data to remain active through merchant account updater systems, tokenized billing, or stored merchant relationships. Additionally, the fraud went beyond card charges. Using my stolen personal information, a vehicle was rented in my name from Hertz/Thrifty and was never returned. This exposed me to legal liability, financial risk, and potential criminal exposure for a vehicle I never rented. Citi failed to fully secure my account, failed to block merchant access, and failed to prevent ongoing misuse of my financial and identity data even after I formally reported identity theft and fraud. This represents a serious failure in Citi 's fraud controls, customer protection, and compliance with federal consumer protection laws. I am requesting full remediation, removal of all fraudulent charges, correction of any related credit reporting, and compensation for the harm caused by Citi 's failure to protect my account and identity.","date_sent_to_company":"2026-02-17T22:45:04.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"19571697","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-17T21:33:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This exposed me to legal liability, financial <em>risk</em>, and potential criminal <em>exposure</em> for a vehicle I never rented. Citi failed to fully secure my account, failed to block merchant access, and failed to prevent ongoing misuse of my financial and identity <em>data</em> even after I formally reported identity theft and fraud. This represents a serious failure in Citi 's fraud controls, <em>customer</em> protection, and compliance with federal consumer protection laws."]},"sort":[21.010452,"19571697"]},{"_index":"complaint-public-v1","_id":"18386097","_score":20.552996,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX is involved in significant data breach issues stemming from its acquisition of XXXX XXXX, with XXXX XXXX XXXX Attorney General suing in XX/XX/XXXX for failing to protect nearly XXXX customers ' driver 's licenses in XXXX breaches, leading to identity theft risks and a lack of notification. Separately, XXXX  also sued XXXX XXXX XX/XX/XXXX for illegally collecting and selling driving data for premium hikes, alleging violations of state privacy laws. The XXXX XXXX case, involving vulnerabilities in online quote tools, is now back in state court, with XXXX defending its actions. \nKey Details of the XXXX XXXX Lawsuit ( XX/XX/XXXX ) The Breaches : Two incidents ( XXXX XXXX & XX/XX/XXXX ) exposed driver 's license numbers through weak security on XXXX XXXX 's quote websites. \nAllegations : Failure to secure data, failure to notify affected individuals, and violation of state data security laws. \nImpact : Exposure of nearly XXXX people 's data, with about XXXX being XXXX XXXX, increasing risks for identity theft. \nLegal Status : The case was remanded to XXXX XXXX State XXXX in late XXXX, with XXXX claiming they resolved the issue years ago. \nKey Details of the XXXX  Lawsuit ( XX/XX/XXXX ) The Issue : XXXX and its data analytics firm XXXX allegedly collected location data from apps ( like XXXX ) without proper consent. \nAllegations : Illegally collecting and selling data to justify raising premiums, violating XXXX  's privacy act. \nWhat You Should Know Identity Theft Risk : Driver 's license numbers are highly valuable to criminals for fraud and identity theft. \nCompany Response : XXXX stated they secured systems, notified regulators, and offered credit monitoring for the XXXX incidents. \nLegal Action : State Attorneys General are actively pursuing cases against XXXX for security and privacy violations, highlighting ongoing cybersecurity concerns. I have a XXXX XXXX data breach with ID restoration obtaining a data broker marketplace business account under false pretenses. I wanted to file a insurance policy cyber liability claim with my restoration officer.","date_sent_to_company":"2025-12-31T01:16:57.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"18386097","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Lanier Law Firm, LLC","date_received":"2025-12-31T00:45:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Allegations : Failure to secure <em>data</em>, failure to notify affected individuals, and violation of state <em>data</em> security laws. \nImpact : <em>Exposure</em> of nearly XXXX people 's <em>data</em>, with about XXXX being XXXX XXXX, increasing <em>risks</em> for identity theft. \nLegal Status : The case was remanded to XXXX XXXX State XXXX in late XXXX, with XXXX claiming they resolved the issue years ago."]},"sort":[20.552996,"18386097"]},{"_index":"complaint-public-v1","_id":"3001978","_score":18.596142,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"No balance involved to date. The account was opened with scanned photo/identification card on Tuesday XX/XX/2018. Th company suggests 4-5 days to verify and sync criteria. \n\n# # - Please type your reply above this line - # # Hello XXXX, Your request ( XXXX ) has been received and will be reviewed by our support staff. \n\nIf you want to add additional comments, simply reply to this email. \n\nXXXX XX/XX/XXXX, XXXX XXXX PDT This is a follow-up to your previous request # XXXX \" secure wallet '' Thats, an interesting reply. The commodities investment privileges on a state by state basis can be reviewed where? \n\nSincerely, The Robinhood Team XXXX Follow us on XXXX to get the latest product news! \n\nRobinhood Financial LLC and Robinhood Crypto, LLC are wholly-owned subsidiaries of Robinhood Markets , Inc. Equities and options are offered to self-directed customers by Robinhood Financial . Robinhood Financial is a member of the Financial Industry Regulatory Authority ( FINRA ) and the Securities Investor Protection Corporation ( SIPC ), which protects securities customers of its members up to {$500000.00} ( including {$250000.00} for claims for cash ). Explanatory brochure available upon request or at XXXX. Cryptocurrency trading is offered through an account with Robinhood Crypto. Robinhood Crypto is not a member of FINRA or SIPC. Cryptocurrencies are not stocks  and your cryptocurrency investments are not protected by either FDIC or SIPC insurance. \n\nFree trading refers to {$0.00} commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that trade U.S. listed securities via mobile devices. Relevant SEC & FINRA fees may apply. Please see Robinhood Financials Commission and Fee Schedule.\n\nRobinhood is currently registered in the following jurisdiction ( s ). This is not an offer, solicitation of an offer, or advice to buy or sell securities, or open a brokerage account in any jurisdiction where Robinhood is not registered. \n\nAll investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Keep in mind that while diversification may help spread risk it does not assure a profit, or protect against loss, in a down market. There is always the potential of losing money when you invest in securities, or other financial products. Investors should consider their investment objectives and risks carefully before investing.Margin trading involves interest charges and risks, including the potential to lose more than deposited or the need to deposit additional collateral in a falling market. Before using margin, customers must determine whether this type of trading strategy is right for them given their specific investment objectives, experience, risk tolerance, and financial situation. For more information please see the Robinhood Financial Margin Disclosure Statement, Margin Agreement and FINRA Investor Information. These disclosures contain information on Robinhood Financials lending policies, interest charges, and the risks associated with margin accounts. \n\nInvestors should consider the investment objectives and unique risk profile of Exchange Traded Funds ( ETFs ) carefully before investing. ETFs are subject to risks similar to those of other diversified portfolios. Leveraged and Inverse ETFs may not be suitable for all investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. Although ETFs are designed to provide investment results that generally correspond to the performance of their respective underlying indices, they may not be able to exactly replicate the performance of the indices because of expenses and other factors. A prospectus contains this and other information about the ETF and should be read carefully before investing. Customers should obtain prospectuses from issuers and/or their third party agents who distribute and make prospectuses available for review. ETFs are required to distribute portfolio gains to shareholders at year end. These gains may be generated by portfolio rebalancing or the need to meet diversification requirements. ETF trading will also generate tax consequences. Additional regulatory guidance on Exchange Traded Products can be found by clicking here. \n\nSystem response, execution price, speed, liquidity, market data, and account access times are affected by many factors, including market volatility, size and type of order, market conditions, system performance, and other factors. \n\nThird party information provided for Robinhood product features, Robinhood communications and communications emanating from its social media community are for informational purposes only and are not intended as an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. The information provided is not warranted as to completeness or accuracy and is subject to change without notice. The Robinhood website provides its users links to social media sites and email. The linked social media and email messages are pre-populated. However, these messages can be deleted or edited by Robinhood users, who are under no obligation to send any pre-populated messages. Any comments or statements made herein do not reflect the views of Robinhood Markets Inc., Robinhood Financial , LLC or any of their subsidiaries or affiliates. \n\nTrading in cryptocurrencies comes with significant risks, including volatile market price swings or flash crashes, market manipulation, and cybersecurity risks. In addition, cryptocurrency markets and exchanges are not regulated with the same controls or customer protections available in equity, option, futures, or foreign exchange investing. Cryptocurrency trading can lead to large and immediate financial losses. Several federal agencies have also published advisory documents surrounding the risks of virtual currency. For more information see, the CFPB 's Consumer Advisory, the CFTC 'S Customer Advisory, the SEC 's Investor Alert, and FINRA 's  Investor Alert Note that certain Robinhood product features listed are currently in development and will be available soon. \n\nRobinhood Terms and Conditions Contact Us FAQ. \n\n\n\nConversation opened. 1 read message. \n\nSkip to content Using XXXX with screen readers Further Identification Required for Account Approval Inbox x Robinhood XXXX Unsubscribe Fri, XX/XX/XXXX, XXXX XXXX ( 8 days ago ) to me Robinhood Logo Further Identification Required for Account Approval Hi iflourish, Thank you for applying for a Robinhood account. We can not process your application until we are able to verify your identity. Please provide us with an image of your current U.S. state issued Driver License or U.S. Passport by following these steps : Sign in to Robinhood Press \" TAKE PHOTO NOW '' on the home screen If prompted, allow Robinhood to  access your camera Select the type of ID you wish to scan Follow the image upload instructions on the screen, ensuring that all text is legible Press the Submit button It's possible that we were unable to verify your identity because of a typographical error or discrepancy between your legal name and the name you provided. By responding to this email, you authorize Robinhood to make any necessary changes to your account information. You further certify that the W-9 previously submitted remains accurate. \n\nWe will review your account once we receive your additional form of identification. \n\nIf you have any questions, please contact XXXX. \n\nSincerely, The Robinhood Team XXXX Free trading refers to {$0.00} commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that  trade U.S. listed securities via mobile devices. Relevant SEC & FINRA fees may apply. Please see our Commission and Fee Schedule. \n\nRobinhood is currently registered in the following jurisdiction ( s ). This is not an offer, solicitation of an offer, or advice to buy or sell securities, or open a brokerage account in any jurisdiction where Robinhood is not registered.\n\nAll investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Keep in mind that while diversification may help  spread risk it does not assure a profit, or protect against loss, in a down market. There is always the potential of losing money when you invest in securities, or other financial products. Investors should consider their investment objectives and risks carefully before investing. \n\nInvestors should be aware that system response, execution price, speed, liquidity, market data, and account access times are affected by many factors, including market volatility, size and type of order, market conditions, system performance, and other factors. \n\nMargin trading involves interest charges and risks, including the potential to lose more than deposited or the need to deposit additional collateral in a falling market. Before using margin, customers must determine whether this type of trading strategy is right for them given their specific investment objectives, experience, risk tolerance, and financial situation. For more information please see our Margin Disclosure Statement, Margin Agreement and FINRA Investor Information. These disclosures contain information on our lending policies, interest charges, and the risks associated with margin accounts.\n\nInvestors should consider the investment objectives and unique risk profile of Exchange Traded Funds ( ETFs ) carefully before investing. ETFs are subject to risks similar to those of other diversified portfolios. Leveraged and Inverse ETFs may not be suitable for all investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. Although ETFs are designed to provide investment results that generally correspond to the performance of their respective underlying indices, they may not be able to exactly replicate the performance of the indices because of expenses and other factors. A prospectus contains this and other information about the ETF and should be read carefully before investing. Customers should obtain prospectuses from issuers and/or their third party agents who distribute and make prospectuses available for review. ETFs are required to distribute portfolio gains to shareholders at year end. These gains may be generated by portfolio rebalancing or the need to meet diversification requirements. ETF trading will also generate tax consequences. Additional regulatory guidance on Exchange Traded Products can be found by clicking here. \n\nThe member or an associated person is authorized to contact the trusted contact person and disclose information about the customer 's account to address possible financial exploitation, to confirm the specifics of the customer 's current contact information, health status, or the identity of any legal guardian, executor, trustee or holder of a power of attorney, or as otherwise permitted by Rule 2165. \n\nSystem response, execution price, speed, liquidity, market data, and account access times are affected by many factors, including market volatility, size and type of order, market conditions, system performance, and other factors. \n\nThird party information provided for Robinhood product features, Robinhood communications and communications emanating from its social media community, market prices, data and other information available through Robinhood are meant for informational purposes only and are not intended as an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. The information provided is not warranted as to completeness or accuracy and is subject to change without notice. The Robinhood website provides its users links to social media sites and email. The linked social media and email messages are pre-populated. However, these messages can be deleted or edited by Robinhood users, who are under no obligation to send any pre-populated messages. Any comments or statements made herein do not reflect the views of Robinhood Markets Inc., Robinhood Financial , LLC or any of their subsidiaries or affiliates.\n\nNote that certain Robinhood product features listed are currently in development and will be available soon.\n\nAll securities and investments are offered to self-directed customers by Robinhood Financial , LLC, member FINRA & SIPC. Robinhood Financial , LLC is a wholly owned subsidiary of Robinhood Markets , Inc.\n\nRobinhood Terms and Conditions Disclosure Library Contact Us FAQ unsubscribe from this list This is a follow-up to your previous request # XXXX \" secure wallet '' Thats, an interesting reply. The commodities investment privileges on a state by state basis can be reviewed where? \n\nSincerely, The Robinhood Team robinhood.com","date_sent_to_company":"2018-09-06T13:21:55.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"60605","tags":null,"has_narrative":true,"complaint_id":"3001978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2018-08-26T04:03:14.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["<em>System</em> response, execution price, speed, liquidity, market <em>data</em>, and account access times are affected by many factors, including market volatility, size and type of order, market conditions, <em>system</em> performance, and other factors."]},"sort":[18.596142,"3001978"]},{"_index":"complaint-public-v1","_id":"2917662","_score":17.369417,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX my grandmother XXXX unexpectedly due to a XXXX XXXX at the same time that her husband, an American Express cardholder, was recovering in the hospital from XXXX XXXX. I was notified and upon receiving the news drove from my location in the Great Lakes region to the Southwest a total distance of around 2000 miles in each direction. I believe that I notified American Express of my travel so that I would not be locked out of either of my American Express charge cards. \n\nMy monthly payment became due on XX/XX/XXXX, however due to my mitigating circumstances I was not able to make the payment on-time. Around XX/XX/XXXX I I received a phone call from American Express inquiring as to why my payment was late. I informed them that Id just lost one grandparent and that the other grandparent was not doing well in the hospital with recovery. I also informed them that because of the way my accounts are set up for ACH transaction between my checking accounts, I wouldnt be able to transfer money for another week and a half, due to the way in which my employer was depositing my compensation over the holiday period. \n\nThe American Express representative informed me that she needed to schedule a payment by XX/XX/XXXX so that my relationship with American Express was not adversely impacted. I told her that the money would not be in my account by that time she was persistent. She cajoled me into authorizing the transactions to maintain my relationship with American Express. I asked the representative whether I would be able to wire a payment to American Express if the payment was returned and whether I would be able to wire additional payments if I faced another emergency situation that took me away from my banking institutions. \n\nShe gave me the bank wire routing number : XXXX. Additionally, she gave me an account number that corresponded to my American Express account. The related address for the bank wire was XXXX XXXX American Express XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX I authorized a wire transfer on XX/XX/XXXX from my brokerage account with XXXX XXXX to the American Express wire account as identified above. Within an hour of authorizing the wire, I was notified by XXXX XXXX that the wire had been processed, and received a subsequent notification from the Department of Treasury that my wire payment had cleared the Federal Reserve. American Express lost the bank wire payment. \n\nOn XX/XX/XXXX I contacted both XXXX XXXX and American Express inquiring the status of the wire. XXXX XXXX again confirmed that the wire transfer had been sent and received by American Express. However, when I contacted American Express, American Express had no record of having received the payment. \n\nAfter returning to the Great Lakes region on XX/XX/XXXX, I again called American Express. I inquired about the status of the wire payment. American Express again indicated that they had no record of receiving the wire payment. The call was concluded. I called again a few days later, informed the representative about the situation and my concern. In particular, I asked the representative how this situation would be handled with the bank, since there was a transaction history from XXXX XXXX and the Federal Reserve indicating that American Express had received a wire payment for XX/XX/XXXX on XX/XX/XXXX. \n\nThe representative I spoke with deflected stating that even though American Express lost the payment, my concern should be with the XX/XX/XXXX payment that was now due. I asked the representative how or even why I should be responsible for a XX/XX/XXXX payment, if the bank had already lost my XX/XX/XXXX payment had had not offered to compensate me for the two-thousand dollar loss. It took two additional representatives, all of whom were based in XXXX, to even offer to file an investigation regarding the lost XX/XX/XXXX payment. \n\nOnce I was satisfied that the lost payment was being investigated I remitted the XX/XX/XXXX payment this took place around XX/XX/XXXX in the amount of XXXX. Shortly thereafter, the lost XX/XX/XXXX payment was found but applied retroactively with a data of XX/XX/XXXX, instead of the XX/XX/XXXX. \n\nOn XX/XX/XXXX I paid an additional XXXX dollars to cover the XX/XX/XXXX payment. On XX/XX/XXXX I paid an additional XXXX dollars. On XX/XX/XXXX I paid an additional XXXX dollars. On XX/XX/XXXX I paid an additional XXXX dollars. On XX/XX/XXXX I paid an additional XXXX dollars. Over the sum total of the payments made to my American Express account totaled around XXXX dollars, which was in excess of my minimum payment obligations including both my pay over time and charge balance from the period of XX/XX/XXXX thru XX/XX/XXXX. Yet American Express marked my payments since XX/XX/XXXX as Late. \n\nIn early XX/XX/XXXX American express contacted me indicating that a XX/XX/XXXX payment had been returned and as such my account was under Financial Review. I asked the representative what the impact of the review might be and he stated it could be a downgrade in risk exposure ( line of credit ) and or a cancellation of the card. My risk exposure limit was reduced after the financial review, after Id made a XXXX dollar payment. In this instance the risk exposure limit was lowered beyond the current balance of the card, making the card unusable until I made a subsequent payment. American Express subsequently canceled not only the card referenced here, but my additional elite status card a week later. \n\nAccording to American Express own analytics, my monthly spending for the period of XX/XX/XXXX thru XX/XX/XXXX was below the level over the previous year. In fact, it was only around half of the previous year. Furthermore, my six month statement balance was reduced over a six-month period from at the risk exposure limit to approximately five ( 5 ) thousand dollars below the risk exposure limit. Despite this pattern of maintaining my financial obligations and conducting myself in accordance with responsible lending, American Express stated that the reason my accounts had been canceled was because of financial review and the fact that Id been late for ALL months in the past five ( 5 ) consecutive months. When I asked the Representative how the review was conducted and who within the Responsible Lending area had conducted the review, the representative explained to me that the process was conducted by a machine and that no individual had actually reviewed the file. \n\nUpon being transferred to a Responsible Lending team in XXXX, I was told that unless I agreed to ACH transactions for the XX/XX/XXXX payment, the same system that deemed me to be a risk to American Express for lending was subject to send my accounts for external collection. I inquired about the amount the bank would be trying to collect on the representative couldnt tell me. When I asked why the bank would seek to collect BEFORE considering the outstanding balance to be a loss and charging-off the balance, the representative could not answer. After speaking with a supervisor, the representative returned stating that the process the bank uses to collect funds is at their discretion. \n\nMy payments were in excess of my obligations per my statements from XX/XX/XXXX thru XX/XX/XXXX. Furthermore, my charging history was below what it was for the same period a year prior. And, my average balance for each month from the period of XX/XX/XXXX thru XX/XX/XXXX was below 2000 dollars per month with the exception of XX/XX/XXXX. In fact, my overall spending on the card over the aforementioned period was similar to the spending habits when I first obtained the card nearly four years ago. Yet, American express continued to bill me in excess of 2000 dollars for those particular months. \n\nAmerican Express Therefore, it would appear that America Express ' back-end analytics target members in a way that maximizes their profit while minimizing their risk exposure by purposely targeting accounts for closure. American Express ' analytics system seems to rely on the assumption that a member with a non-zero pay-over-time balance would be incapable of paying the balance in full at time of cancellation. The scheme appears to be such that if a pay over time balance exists on the account, under any indication of an inability to pay, the analytics system will close the accounts, such that no future charges may be made, but future profits can be made because there exists a nonzero pay-over-time balance on the account. Furthermore, the analytics system also seems to reduce risk exposure limits below a certain amount that makes the card unusalbe immediately after payments have been applied to the account to meet alleged outstanding payment obligations. \n\nOverall, I lost my grandmother, an American Express card member. At the same time I nearly lost her husband, my grandfather, also an American Express card member for over three decades. The only reason I even have an American Express card is because I saw them with theirs and the presumed success it embodied, and what I thought was a quality banking institution with good customer service. Unfortunately, despite attempting to maintain a good relationship with American Express, I have been penalized for bank transfer errors, payment accounting errors, and insensitive representatives seeking to schedule a payment during a time of grieving and loss. In essence, I got trapped in between accounting irregularities, computer bugs, and poor customer service that is outsourced to XXXX. \n\nThe sad thing is that when I told my grandfather about the experience I had, my grandfathers response was that he, again a card member for decades, had been subject to similar experiences such that while he still has the card, he no longer uses it.","date_sent_to_company":"2018-05-25T20:01:53.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"48108","tags":null,"has_narrative":true,"complaint_id":"2917662","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-05-25T18:38:38.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Furthermore, my six month statement balance was reduced over a six-month period from at the <em>risk</em> <em>exposure</em> limit to approximately five ( 5 ) thousand dollars below the <em>risk</em> <em>exposure</em> limit."]},"sort":[17.369417,"2917662"]},{"_index":"complaint-public-v1","_id":"18523463","_score":16.365707,"_source":{"product":"Mortgage","complaint_what_happened":"I have a account cyber liability insurance policy account holder retainer agreement from Healthcare provider information clerk. My account was compromised with litigation from a reverse mortgage account data breach. My account has been under investigation with a report of fraud from my insurance provider and policy holder with financial banking institutions. I have a notice for breach of contract with my notification of dispute with my healthcare insurance provider policy my account affidavit agreement. I entered a arbitration agreement with a citation for account bankruptcy reverse mortgage fraud if identity theft account ID restored department showing a claim for a data breach. My business account with twin gate. Live XXXX XXXX Ongoing Product Docs Customers Resources Partners Pricing Blog XXXX  Data Breach : What & How It Happened? \nXXXX XXXX XX/XX/XXXX In XX/XX/XXXX, XXXX XXXX faced a data breach where several records were unintentionally exposed online. The exposed data included various customer details. Another incident occurred in XX/XX/XXXX, when a hacking group claimed to have stolen data related to XXXX XXXX and XXXX during a cyberattack. Additionally, in the same month, XXXX XXXX experienced a cyberattack that disrupted operations and potentially compromised personal information. \n\nHow many accounts were compromised?\n\nThe breaches collectively impacted data related to over 1 billion individuals.\n\nWhat data was leaked?\n\nThe data exposed in the breaches included customer email addresses, user IDs, customer searches on XXXX XXXX websites for COVID-19 vaccines and other medications, XXXX  XXXX  and XXXX data , and potentially compromised personal information. \n\nHow was XXXX hacked? \nIn the XXXX XXXX breach, unprotected databases led to the accidental exposure of over XXXX XXXX search records. In the XXXX XXXX XXXX XXXX XXXX cyberattack, a hacking gang called XXXX claimed to have stolen data, including XXXX XXXX and XXXX information. The methods used in the XXXX XXXX veterinary services provider attack remain unclear, but it caused operational disruptions and potentially compromised personal information. \n\nXXXX 's solution In response to the hacking incidents, XXXX XXXX and XXXX XXXX took several measures to enhance security and prevent future breaches. XXXX XXXX worked with the vendor to quickly take the exposed database down and addressed the issue with the vendor to prevent a recurrence. XXXX XXXX, on the other hand, increased levels of security and monitoring, and plans to migrate its IT infrastructure to the cloud to improve service security and operational efficiency. Both companies engaged with third-party specialists to investigate the attacks and informed relevant authorities as personal information might have been compromised. \n\nHow do I know if I was affected? \nXXXX XXXX and XXXX XXXX have not explicitly mentioned reaching out to affected users in the reported breaches. If you believe you may have been affected, you can visit Have I Been Pwned to check if your email has been compromised in a data breach. \n\nWhat should affected users do? \nIn general, affected users should : Change Your Passwords : Immediately update your passwords for any accounts that may have been compromised. Make sure the new passwords are strong and unique, not previously used on any other platform.\n\nReset Passwords for Other Accounts : If you've used the same or similar passwords for other online accounts, reset those as well. This is crucial as attackers often try using stolen passwords on multiple sites.\n\nEnable Two-Factor Authentication ( 2FA ) : Activate 2FA on any affected accounts. Consider enabling this additional security feature on all other important online accounts to significantly reduce the risk of unauthorized access. \n\nFor more specific help and instructions, please contact XXXX support directly. \n\nWhere can I go to learn more? \nIf you want to find more information on the XXXX data breach, check out the following news articles : XXXX XXXX database leak left 1B user records exposed online Hackers claim to obtain XXXX, XXXX data in Change hack XXXX Group Restoring Systems Impacted by Cyberattack The XXXX replacement your workforce will love. \n\n\nSolutions Zero Trust Access Documentation Quick Start Use Cases Architecture API Twingate Labs Resources Blog Customers XXXX XXXX Company About Careers Pricing Partners Terms Privacy Your Privacy Choices Support Contact Sales Get Help FAQ Try for Free Request Demo Download Copyright XXXX XXXX \n\nAll Systems Operational XXXX XXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-01-07T06:09:27.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Reverse mortgage","zip_code":"287XX","tags":null,"has_narrative":true,"complaint_id":"18523463","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Lanier Law Firm, LLC","date_received":"2026-01-07T05:48:08.000Z","state":"NC","company_public_response":null,"sub_issue":"Delays in the application process"},"highlight":{"complaint_what_happened":["The <em>data</em> exposed in the breaches included <em>customer</em> email addresses, user IDs, <em>customer</em> searches on XXXX XXXX websites for COVID-19 vaccines and other medications, XXXX  XXXX  and XXXX <em>data</em> , and potentially compromised personal information. \n\nHow was XXXX hacked? \nIn the XXXX XXXX breach, unprotected databases led to the accidental <em>exposure</em> of over XXXX XXXX search records."]},"sort":[16.365707,"18523463"]},{"_index":"complaint-public-v1","_id":"11597794","_score":15.9214115,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing this complaint to warn this agency of the financial impact of this product that Ingo Money ( https : //ingomoney.com/ ). This check cashing application attempts to clear checks immediately upon submission of the check to the application. Some weeks, I used this service. Ingo Money uses XXXX XXXX XXXX XXXXXXXX. and XXXX XXXX XXXX to provide the banking services for the physical movement of its transactions. This complaint also focuses on these two banks as they are \" covered persons '' under rules of the CFPB. The first time I used the application I was successful. But, I attempted to use the application a second time. This was between the weeks of XX/XX/XXXX - XX/XX/XXXX. Now, It was my understanding that the application would have verified the fund with the bank. I later found out that this is not the case. \n\nI submitted a picture of the check because my mother was having issues with submitting the check online with her phone that uses an XXXX based operating system. So on the date of XX/XX/XXXX, IngoMoney application was not servicing any clients with XXXX based phones, which alienated and every user with an XXXX based phone. This in itself presents a clear violation of the laws. The consumer protection laws ( CFPB ) make no distinction between banks and their agents. Based on this inability to service these customers, this application may have violated several laws relating to equity and fairness to US consumer protection laws in any state that the company has a NMLS license for. \n\nThe second possible violation is simply that, this service guises itself as a check cashing app, when it in fact is predatory in nature. This application charges very high fees for it's services. As an example, I cashed a check for {$1500.00} and was charged a {$75.00} processing fee ( 4.98 % ). As explained earlier, Ingo does not verify the funds of the check. The application uses algorithms to \" predict '' or \" merely guessing '' the future collection of fund on the check. Consider the reasons below : Limitations of the Current Approach : Overreliance on Predictions : Models trained on historical data may fail to capture edge cases or new fraud techniques.\n\nPredicting whether a check is valid without verifying funds introduces significant financial risk.\n\nNo Immediate Fund Verification : The absence of real-time bank verification to confirm account balances or check authenticity is a glaring gap. \nPredicted \" good '' checks might bounce later, leading to financial losses and trust issues. \n\nFalse Positives and Negatives : False Positives : Fraudulent checks may be cashed because they appear \" real '' based on past data patterns.\n\nFalse Negatives : Legitimate checks might be flagged and rejected, leading to poor user experiences.\n\nLimited Due Diligence : AI predictions don't replace actual financial checks like clearing processes or account verification. \nReliance solely on predictions can result in lawsuits, regulatory scrutiny, or reputational damage.\n\nNow, a standard brick and mortar check cashing establishment operates during normal banking hours and has the necessary tools and mechanisms ( LAN line, mobile phone, fax, email, etc ) to immediately verify the funds on the check. By definition the brick and mortar check cashing establishment is a \" true '' check cashing apparatus and not Ingo Money. If IngoMoney can not verify the funds on the check which is the \" core '' feature of this service as it states in it's recorded message at ( XXXX ), It is \" falsely '' marketing itself as a check cashing service. This service is more aligned with pay-day lending over check cashing. The verification of funds \" must '' be completed, whether it be by human or a computing system. \n\nAt present, IngoMoney does not do business in New York State. This could be due to the aggressive and misleading nature of this service. The company states that it is merely check verifier which is not the case. And if that is the case, then those fees should be absorb by it's banking partners mentioned earlier in this complaint and not directly by the customer. IngoMoney is offered across several alternative banking verticals ( XXXX, XXXX, XXXX and others ). It also offers it as a stand alone service, meaning that you do not have to use a partner and you can utilize the service by itself. But again, IngoMoney, is misrepresenting itself as a check verifier and check casher because the application is designed to make a \" guess '' or \" prediction '' based on the algorithms ability to determine whether the funds will clear on any check presented to the application.\n\nThere is a grave systemic risk posed by this application to consumers, banking partners and its alternative banking partners. XXXX has XXXX XXXX users. XXXX has XXXX XXXX users which would include XXXX, because XXXX is the parent company of XXXX. IngoMoney needs to cease its offering of this check cashing product, until it can clearly demonstrate to this agency that it is \" truly '' verifying every check with the originating issuer of the check and explain what it's exposure to risk it is currently experiencing, has experience and risk it XXXX experience in the future. \n\nThis application has a \" wide blast radius '' based on the clients and partners that it contracts with. IngoMoney has to prove to this agency that it can contain any risk presented as a result of it's potential systemic risk to consumer, its banking partners and its alternative banking partners. Similar to the stress testing imposed by regulators during the global financial crisis in XXXX. \n\nLastly, there is also potential that Ingo is providing an unfair market advantage ( monopoly ) that would allow other entrants to enter this market. My belief is that Ingo doesn't have alot of competition due in part to it's high risk and speculative business model. \n\nThe information covered in this complaint is based on my personal experience with IngoMoney, and my experience with machine learning models being an architect of these systems.","date_sent_to_company":"2025-01-20T04:48:24.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"11597794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ingo Money, Inc.","date_received":"2025-01-20T03:38:01.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["IngoMoney needs to cease its offering of this check cashing product, until it can clearly demonstrate to this agency that it is \" truly '' verifying every check with the originating issuer of the check and explain what it's <em>exposure</em> to <em>risk</em> it is currently experiencing, has experience and <em>risk</em> it XXXX experience in the future. \n\nThis application has a \" wide blast radius '' based on the clients and partners that it contracts with."]},"sort":[15.9214115,"11597794"]},{"_index":"complaint-public-v1","_id":"16318632","_score":15.489775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint of Data Breach, Violation of Consumer Protection Laws, and Irresponsible Handling of Personal Information by MOHELA, XXXX, XXXX XXXXXXXX XXXX Department of Government Efficiency ( DOGE ), XXXX  XXXX, and XXXX  Dear Consumer Financial Protection Bureau Complaint Intake Officer : I am writing to file a formal complaint against XXXX  XXXX XXXX XXXX XXXX ( MOHELA ), XXXX, XXXX XXXX XXXX  Department of Government Efficiency ( DOGE ), XXXX  XXXX, and XXXX  for their collective failure to safeguard my sensitive personal and financial information, resulting in a catastrophic data breach that has exposed my data to the dark web. This breach has caused irreparable harm to my financial security, including the necessity to freeze my personal credit to prevent identity theft and fraud. As a consumer entitled to robust protections under federal law, I demand immediate investigation, enforcement action, and appropriate remedies to hold these entities accountable for their negligence and violations of statute. I am prepared to provide supporting documentation, including the breach notification from XXXX  confirming the exposure of my information on the dark web, credit freeze confirmations, and any additional evidence upon request. \nFactual Background On XX/XX/XXXX, I received an email notification from XXXX, one of the major credit reporting agencies, alerting me that my personal identifiable information ( PII ) including but not limited to my full name, Social Security number, date of birth, financial account details, and student loan recordshad been compromised and was actively being traded on the dark web. This exposure stems directly from a data breach attributable to the interconnected systems and data-sharing practices among MOHELA and XXXX ( as student loan servicers ), XXXX XXXX XXXX DOGE ( as the entity overseeing efficiency cuts in federal agencies, including unauthorized access to Department of Education data systems ) , XXXX XXXX  ( as a financial institution handling related accounts ), and Experian ( as the credit reporting entity that failed to detect and mitigate the vulnerability ). \nThese entities bear direct responsibility for the breach due to inadequate cybersecurity measures, insufficient data encryption, and lax oversight in handling consumer data shared across their platforms. In particular, XXXX 's aggressive data access and extraction efforts, led by XXXX XXXX, have exacerbated vulnerabilities in federal systems by prioritizing rapid \" efficiency '' reviews over privacy safeguards, leading to the mishandling and unauthorized dissemination of sensitive consumer records. As a result of this irresponsibility, I have suffered immediate and ongoing harm : my personal credit reports have been frozen across all major bureaus to avert fraudulent activity, disrupting my ability to access credit, apply for loans, or engage in routine financial transactions. This has imposed undue financial and emotional burdens, including lost opportunities and the costs associated with credit monitoring services I have since procured at my own expense. \nViolations of Federal Consumer Protection Laws The actions ( or inactions ) of the named entities constitute clear and egregious violations of multiple federal statutes designed to protect consumers from precisely this type of harm. I assert the following breaches, each warranting CFPB intervention : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Under FCRA, credit reporting agencies like Experian and financial institutions like XXXX XXXX are required to maintain reasonable procedures to ensure the confidentiality, accuracy, and security of consumer information ( 15 U.S.C. 1681e ). The breach demonstrates a failure to implement such safeguards, resulting in the unauthorized disclosure of my credit information. Additionally, FCRA mandates timely notification of breaches and free credit monitoring for affected consumers ( 15 U.S.C. 1681c-1 and 1681c-2 ), which was inadequately provided. This violation has directly impaired my right to accurate and secure credit reporting, entitling me to damages, injunctive relief, and attorney 's fees.\n\n2. Fair and Accurate Credit Transactions Act ( FACTA ), Pub. L. No. 108-159 ( 2003 ) : As an amendment to FCRA, FACTA imposes affirmative duties on furnishers of information ( e.g., MOHELA, XXXX, DOGE, and XXXX  XXXX ) and users ( e.g., XXXX  ) to prevent identity theft through the \" Red Flags Rule '' ( 16 C.F.R. Part 681 ). The entities ' failure to detect and respond to red flagssuch as unusual data access patterns leading to the dark web exposureviolates these requirements. FACTA further guarantees my right to place a free security freeze on my credit file ( 15 U.S.C. 1681c-1 ), a measure I was forced to invoke reactively due to their negligence.\n\n3. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. : GLBA requires financial institutions, including XXXX  XXXX, MOHELA, XXXX, and XXXX, to protect against unauthorized access to or use of customer information through comprehensive information security programs ( 15 U.S.C. 6801 ( b ) ). The breach evidences a systemic failure to develop, implement, and maintain such programs, including risk assessments and employee training. This statute safeguards my fundamental right to privacy in financial dealings, and its violation demands regulatory penalties and restitution.\n\n4. Privacy Act of 1974, 5 U.S.C. 552a : DOGE, under XXXX XXXX 's leadership, has violated this foundational consumer privacy law by granting itself sweeping, unauthorized access to federal databases containing Americans ' sensitive personal information, including education and financial records held by the Department of Education. The Act prohibits federal agencies from disclosing records without consent and mandates safeguards against breaches ( 5 U.S.C. 552a ( b ) and ( e ) ( 10 ) ). DOGE 's data extraction practices, which have been subject to ongoing lawsuits and whistleblower reports for endangering consumer privacy, directly contributed to the breach of my PII. This infringement on my right to control and protect personal data in government records has amplified the harm from the exposure, entitling me to civil remedies and injunctive relief to halt further abuses.\n\n5. Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ; 34 C.F.R. Part 99 : As my student loan recordsmaintained by MOHELA, XXXX, DOGE ( through its interference in DOE systems ), and the DOEconstitute \" education records '' under FERPA, these entities were obligated to protect their confidentiality and prevent unauthorized disclosure. The breach impermissibly exposed this protected information, violating my rights as a student consumer to control access to educational data. FERPA enforcement by the Department of Education must be coordinated with CFPB oversight to ensure comprehensive accountability.\n\nThese violations collectively infringe upon my consumer rights under the aforementioned laws, including the right to secure handling of personal data, prompt breach notification, free credit monitoring and freezes, and remedies for resulting harm. The entities ' irresponsibilitynotably DOGE 's cavalier approach to federal data under XXXX XXXX 's directionnot only contravenes statutory mandates but also undermines public trust in the financial and educational systems they operate.","date_sent_to_company":"2025-10-15T20:32:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63141","tags":null,"has_narrative":true,"complaint_id":"16318632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-10-02T21:45:46.000Z","state":"MO","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>exposure</em> stems directly from a <em>data</em> breach attributable to the interconnected <em>systems</em> and <em>data</em>-sharing practices among MOHELA and XXXX ( as student loan servicers ), XXXX XXXX XXXX DOGE ( as the entity overseeing efficiency cuts in federal agencies, including unauthorized access to Department of Education <em>data</em> <em>systems</em> ) , XXXX XXXX  ( as a financial institution handling related accounts ), and Experian ( as the credit reporting entity that failed to detect and mitigate the vulnerability )."]},"sort":[15.489775,"16318632"]},{"_index":"complaint-public-v1","_id":"11846221","_score":15.434081,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a grievance regarding the recent data breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my data and the potential risks that this breach poses to my financial well-being. \n\nIt has come to my attention that a breach in your system has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information. The unauthorized access to this information raises serious concerns about identity theft, fraud, and the long-term impact on my credit score and financial standing. \n\nCredit Reporting Agencies are supposed to implement strong security measures to protect consumer credit information from unauthorized access and data exposure. These companies, XXXX, Equifax and XXXX have failed to do this. \n\n\n\nThe following information are discrepancies that I found on all XXXX credit reports : XXXX : Names-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments on Ally Financial accounts that are inconsistent across all XXXX bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore, should not be on my credit. \n\nLate payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. \n\n\n\nEquifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments on Ally Financial accounts that are inconsistent across all XXXX bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore should not be on my credit. \n\nLate payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. \n\nI expect immediate action to be taken in response to this incident, including the following : A description of the steps you are taking to mitigate the effects of the breach, including any measures to prevent future occurrences A request for a thorough investigation into the breach, along with notification of any third parties or organizations that may have been impacted. \n\nA clear timeline outlining when I can expect resolution and additional information regarding my compromised personal data. \n\nAs a customer of XXXX, I have trusted your services to maintain the confidentiality and integrity of my personal data. Given the severity of this issue, I urge you to prioritize the resolution of this matter and ensure that I am kept informed of all developments. \n\nPlease acknowledge receipt of this grievance and provide a prompt response outlining the actions you will take to resolve this situation. I look forward to your timely response and a resolution that safeguards my personal information moving forward.","date_sent_to_company":"2025-01-31T00:05:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28110","tags":null,"has_narrative":true,"complaint_id":"11846221","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T00:05:17.000Z","state":"NC","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally file a grievance regarding the recent <em>data</em> breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my <em>data</em> and the potential <em>risks</em> that this breach poses to my financial well-being. \n\nIt has come to my attention that a breach in your <em>system</em> has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information."]},"sort":[15.434081,"11846221"]},{"_index":"complaint-public-v1","_id":"11846220","_score":15.434081,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a grievance regarding the recent data breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my data and the potential risks that this breach poses to my financial well-being. \n\nIt has come to my attention that a breach in your system has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information. The unauthorized access to this information raises serious concerns about identity theft, fraud, and the long-term impact on my credit score and financial standing.\n\nCredit Reporting Agencies are supposed to implement strong security measures to protect consumer credit information from unauthorized access and data exposure. These companies, Experian, XXXX and XXXX have failed to do this. \n\n\n\nThe following information are discrepancies that I found on all 3 credit reports : XXXX : Names-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX Late payments on XXXX  XXXX  accounts that are inconsistent across all 3 bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore, should not be on my credit. \n\nLate payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. \n\n\n\nXXXX XXXX NamesXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : Names : XXXX XXXX XXXX XXXX XXXX Accounts XXXX Late payments on XXXX  XXXX  accounts that are inconsistent across all 3 bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore should not be on my credit. \n\nLate payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. \n\nI expect immediate action to be taken in response to this incident, including the following : A description of the steps you are taking to mitigate the effects of the breach, including any measures to prevent future occurrences A request for a thorough investigation into the breach, along with notification of any third parties or organizations that may have been impacted. \n\nA clear timeline outlining when I can expect resolution and additional information regarding my compromised personal data. \n\nAs a customer of XXXX, I have trusted your services to maintain the confidentiality and integrity of my personal data. Given the severity of this issue, I urge you to prioritize the resolution of this matter and ensure that I am kept informed of all developments. \n\nPlease acknowledge receipt of this grievance and provide a prompt response outlining the actions you will take to resolve this situation. I look forward to your timely response and a resolution that safeguards my personal information moving forward.","date_sent_to_company":"2025-01-31T00:05:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28110","tags":null,"has_narrative":true,"complaint_id":"11846220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T00:05:17.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally file a grievance regarding the recent <em>data</em> breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my <em>data</em> and the potential <em>risks</em> that this breach poses to my financial well-being. \n\nIt has come to my attention that a breach in your <em>system</em> has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information."]},"sort":[15.434081,"11846220"]},{"_index":"complaint-public-v1","_id":"12034654","_score":15.312452,"_source":{"product":"Debt collection","complaint_what_happened":"Dispute of Unauthorized Credit Card Debt Due to Data Breach To Whom It May Concern, I am writing to formally dispute the credit card debts associated with my name, as they do not belong to me. I was XXXX of the individuals affected by a recent national database compromise, which led to unauthorized accounts and charges being fraudulently linked to my identity. \n\nDetails of the Incident Date of Data Breach : XXXX XX/XX/XXXX, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) experienced a significant data breach that compromised the personal information of approximately XXXX XXXX individuals, including current and former students, faculty, staff, and applicants. \nXXXX XXXX XXXX Breach Date : XX/XX/XXXX Impact : Exposed personal information of thousands of customers. Details : A cyberattack led to unauthorized access to customer data, including names, addresses, and financial information. \nXXXXXXXX XXXX XXXX Breach Date : XX/XX/XXXX Impact : Employee information was compromised. Details : A hacking group known as XXXX claimed responsibility, selling the dataset for around {$1.00} XXXX. XXXX Bank notified a small number of clients at the time of the breach. \nXXXX XXXX XXXX Breach Date : XX/XX/XXXX Impact : Exposed personal information of over XXXX XXXX customers. Details : A former employee of XXXX XXXX XXXX exploited a misconfigured firewall to access sensitive data, including names, addresses, credit scores, and social security numbers. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX Impact : Sensitive customer information was exposed. Details : A third-party vendor experienced a data breach, leading to the exposure of customer data. XXXX XXXX XXXX took immediate action to mitigate the impact and notified affected customers. \nXXXX XXXX  Data Breach Date : XX/XX/XXXX Impact : Exposed personal information of XXXX XXXX customers. Details : Hackers accessed data including names, billing addresses, email addresses, phone numbers, dates of birth, XXXX  account numbers, and service plan details. \n\nXXXX XXXX has experienced several data breaches in recent years, primarily due to internal mishandling of customer information. \nXX/XX/XXXX XXXX XXXX XXXX employee mishandled customer information by sending sensitive data to a personal account, violating company policy. The bank took disciplinary action against the employee, updated security measures, and began monitoring affected accounts for anomalies. \nXX/XX/XXXX XXXX XXXX XXXX former employee emailed files containing sensitive customer information, including names, addresses, dates of birth, email addresses, and Social Security numbers, to unauthorized recipients. The breach was reported to state Attorney Generals offices across the United States in XX/XX/XXXX. \nXX/XX/XXXX XXXX XXXX XXXX former employee unlawfully accessed customer information for fraudulent purposes. XXXX XXXX filed a formal notice with the Attorney General of Vermont and took immediate action to protect clients and mitigate risks. \nDetails of the XXXX : XXXX and XXXX : The breach was detected in XX/XX/XXXX, but it is believed to have begun in XX/XX/XXXX, allowing unauthorized access to the database over several months. Compromised Data : The exposed information may have included names, addresses, Social Security numbers, and birth dates. \nIn XX/XX/XXXX, XXXX XXXX experienced a significant data breach that compromised the personal information of approximately XXXX XXXX individuals in the United States and XXXX XXXX in XXXX. The breach was perpetrated by XXXX XXXX XXXX, a former XXXX XXXX XXXX ( XXXX ) employee, who exploited a misconfigured firewall in XXXX XXXXXXXX XXXX XXXX infrastructure to access sensitive data. \n\nXXXX XXXX XXXX In XX/XX/XXXX, XXXX experienced a data breach where hackers accessed over XXXX customer records. The breach was due to vulnerabilities in the bank 's web application and XXXX, specifically through parameter tampering. \n\n\n\nXXXX XXXX XXXX In XX/XX/XXXX, XXXX reported a security incident involving unauthorized access to customer records, exposing sensitive information. Attackers exploited a vulnerability in the bank 's web systems, taking advantage of a flaw. \n\nDetails of the Breach : Date of Discovery : XX/XX/XXXX Data Compromised : Names, addresses, dates of birth, credit scores, credit limits, balances, payment history, and contact information. Additionally, approximately XXXX Social Security numbers and XXXX linked bank account numbers were exposed. \n\nCause : The breach was attributed to a vulnerability in a web application that allowed unauthorized access to the central database. \n\nUnauthorized Debt Amount : XXXX XXXX XXXX Opened XXXX {$120.00} LVNV FUNDING LLC Opened XXXX {$810.00} XXXX XXXX  Opened XXXX {$860.00} LVNV FUNDING LLC Opened XXXX {$1500.00} LVNV FUNDING LLC Opened XXXX {$2200.00} LVNV FUNDING LLC Opened XXXX {$2700.00} XXXX XXXX Opened XXXX {$3200.00} If you have a collection - **Date XXXX If you have a collection Actions Taken : Filed Complaint with CFPB I immediately contacted you CFPB to report the fraudulent charges. \nNo fraud alert was placed on my credit reports with the major credit bureaus to prevent further unauthorized activity. \n\nDespite these efforts, this debt remains incorrectly associated with my name. I request that this matter be thoroughly investigated, and the fraudulent accounts or charges be removed from my record. Please provide a written confirmation of the outcome of this dispute. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-24T11:23:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"12034654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-02-12T17:23:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX Breach Date : XX/XX/XXXX Impact : Exposed personal information of over XXXX XXXX <em>customers</em>. Details : A former employee of XXXX XXXX XXXX exploited a misconfigured firewall to access sensitive <em>data</em>, including names, addresses, credit scores, and social security numbers. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX Impact : Sensitive <em>customer</em> information was exposed. Details : A third-party vendor experienced a <em>data</em> breach, leading to the <em>exposure</em> of <em>customer</em> <em>data</em>."]},"sort":[15.312452,"12034654"]},{"_index":"complaint-public-v1","_id":"13063047","_score":15.113496,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In XX/XX/XXXX, I first contacted Cash App regarding an issue with my sponsor account, which is directly tied to financial support for my child. At that time, I was instructed to upload front and back images of my government-issued ID, which I submitted. I did not receive any follow-up or resolution after providing the requested documentation. \n\nOn XX/XX/XXXX, after weeks of no communication, I followed up with Cash App through their in-app support system. Instead of resolving the original issue, I was asked to upload even more invasive documentation, including a selfie holding my government-issued ID and front and back images of my debit card. \n\nThis second request was made without any clear justification, explanation of security protocols, or reference to an official company policy. I was not informed how this data would be used, stored, or protected, nor was I provided any opt-out option or rights under applicable privacy laws. I communicated with XXXX representativesone named XXXX and a supervisor who identified herself as XXXX. When I asked why my debit card was required, I received vague and evasive responses. After I informed the supervisor that I was recording the call for documentation purposes, the call was abruptly terminated. \n\nFor added context, I had previously used my debit card on the account without issue. However, for security reasons, I did not keep my card permanently linked to Cash App. When I sent money to my son through his sponsored account, I would temporarily link my card, complete the transaction, and then unlink it. This was my personal security preference and had never created a problem before. I do not know whether this pattern triggered Cash Apps request for excessive documentation, but regardless, the information they requested was disproportionate, suspicious, and unsupported by any visible policy. \n\nDue to these concerns and Cash Apps lack of transparency, I unlinked my debit card entirely and changed my Cash App PIN. These actions reflect my loss of trust in the platform and my concern that my personal and financial information may have been mishandled or at risk of unauthorized use. \n\n\n\nPattern of Negligence Legal Background : My experience is not isolatedit reflects a broader pattern of consumer data mishandling and customer neglect, supported by XXXX recent legal actions : XXXX  XX/XX/XXXX {$15.00} XXXX Data Breach Class-Action Settlement Cash App settled claims following unauthorized access to users sensitive information, due to negligence and internal mishandling. \nXXXX. XX/XX/XXXX {$170.00} XXXX CFPB Enforcement Action The Consumer Financial Protection Bureau ordered Block , IncXXXX to pay {$170.00} XXXX after finding systemic failures in addressing fraud, protecting accounts, and responding to consumers. Of this, {$120.00} XXXX was designated for consumer restitution. \n\nDespite these significant enforcement actions, my experience indicates that Cash App has failed to implement necessary reforms. Its data collection and customer verification practices remain invasive, opaque, and potentially harmful, placing users like myself at ongoing risk. \n\n\n\nOther Agencies Contacted : Federal Trade Commission ( FTC ) Report # XXXX ( filed XX/XX/XXXX ) XXXX XXXX XXXX XXXX Consumer Protection Section ( filed XX/XX/XXXX ) XXXX XXXX XXXX Complaint ID XXXX ( filed XX/XX/XXXX ) Requested Action : I am requesting that the CFPB : Launch a formal investigation into Cash Apps continued misuse of personal and financial data Determine whether its document verification and data retention practices violate federal consumer protection and privacy laws Require monetary compensation for the time lost, potential identity theft exposure, emotional distress, and failure to act responsibly Enforce public policy transparency and correction to ensure proper security standards are upheld I affirm that this information is accurate and submitted in good faith. I have retained all relevant records and communications and am prepared to escalate this matter through all appropriate legal and regulatory channels.","date_sent_to_company":"2025-04-18T18:28:16.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"97301","tags":null,"has_narrative":true,"complaint_id":"13063047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-04-18T18:13:02.000Z","state":"OR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Its <em>data</em> collection and <em>customer</em> verification practices remain invasive, opaque, and potentially harmful, placing users like myself at ongoing <em>risk</em>."]},"sort":[15.113496,"13063047"]},{"_index":"complaint-public-v1","_id":"11859903","_score":14.726339,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a grievance regarding the recent data breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my data and the potential risks that this breach poses to my financial well-being. \n\nIt has come to my attention that a breach in your system has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information. The unauthorized access to this information raises serious concerns about identity theft, fraud, and the long-term impact on my credit score and financial standing.\n\nCredit Reporting Agencies are supposed to implement strong security measures to protect consumer credit information from unauthorized access and data exposure. These companies, XXXX, XXXX and TransUnion have failed to do this. \n\n\n\nThe following information are discrepancies that I found on all 3 credit reports : TransUnion : Names-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments on Ally Financial accounts that are inconsistent across all XXXX bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore, should not be on my credit. \n\nLate payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. \n\n\n\nXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments on XXXX XXXX  accounts that are inconsistent across all XXXX bureaus and no permission/consent given from me allowing this. According to UCC, once a company accepts payment for an account its like that late never happened therefore should not be on my credit. \n\nLate payment on XXXX XXXX and XXXX XXXX that I didnt give permission/consent to be added to my credit report. Also, payment was accepted so it should not be on my credit report. \n\nI expect immediate action to be taken in response to this incident, including the following : A description of the steps you are taking to mitigate the effects of the breach, including any measures to prevent future occurrences A request for a thorough investigation into the breach, along with notification of any third parties or organizations that may have been impacted. \n\nA clear timeline outlining when I can expect resolution and additional information regarding my compromised personal data. \n\nAs a customer of Transunion, I have trusted your services to maintain the confidentiality and integrity of my personal data. Given the severity of this issue, I urge you to prioritize the resolution of this matter and ensure that I am kept informed of all developments. \n\nPlease acknowledge receipt of this grievance and provide a prompt response outlining the actions you will take to resolve this situation. I look forward to your timely response and a resolution that safeguards my personal information moving forward.","date_sent_to_company":"2025-01-31T00:05:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28110","tags":null,"has_narrative":true,"complaint_id":"11859903","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-30T23:42:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally file a grievance regarding the recent <em>data</em> breach that has compromised my personal information. As a consumer, I am deeply concerned about the security of my <em>data</em> and the potential <em>risks</em> that this breach poses to my financial well-being. \n\nIt has come to my attention that a breach in your <em>system</em> has exposed sensitive personal details, including but not limited to my social security number, my email, my address and other personal information."]},"sort":[14.726339,"11859903"]},{"_index":"complaint-public-v1","_id":"16965717","_score":14.177602,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX, XXXX, and XXXX  for the mishandling of my credit freezes, which were lifted without my consent, leaving me exposed to identity theft. Despite following all the correct procedures to freeze my credit reports, I have encountered numerous issues, including : Failure to Maintain Credit Freezes : My credit reports were unfrozen without my authorization, despite having frozen them to protect my information. These unauthorized actions have exposed me to significant risks of fraud. \n\nMultiple Data Breaches and Negligence : After receiving breach notifications from XXXX, stating that my Personally Identifiable Information ( PII ) had been compromised, I took all necessary steps to protect my credit. However, the freezes were either removed or never properly re-established. This ongoing mishandling of my personal data has contributed to my frustration and increased exposure to fraud. \n\nInaccurate Information on My Credit Reports : There are erroneous entries on my reports, such as incorrect late payment information ( e.g., XXXX  XXXX 30-60 days late ), accounts listed as opened incorrectly, and incorrect addresses. These errors have already been reported to the CFPB in an earlier filing against XXXX XXXX, which also highlights ongoing issues with those companies. Additionally, the credit bureaus have failed to correct these discrepancies, further damaging my credit profile. \n\nFailure to Properly Investigate : When I contacted the credit bureaus, I was given conflicting or inaccurate information regarding the status of my credit freezes and the breaches. Their automated systems and customer service representatives were unhelpful and did not resolve the issue or properly restore my freeze. This lack of assistance has left me feeling powerless and vulnerable. \n\nHarassment and Emotional Distress : The repeated negligence and failure to properly protect my personal information have resulted in significant time, financial costs, and emotional distress. Ive had to repeatedly invest time and resources to verify, freeze, and monitor my credit, which should not be necessary if the bureaus had acted responsibly in the first place. \n\nInformation Shared Without My Consent : It was brought to my attention that information from all three credit bureaus was accessed by an individual named Art from the XXXX XXXX XXXX XXXX. This individual communicated that he was able to retrieve my credit reports from all three bureaus after they were unfrozen without my authorization. This breach of my information is deeply troubling. \n\nPreclusion from Accessing My Own Credit Reports : I have repeatedly attempted to retrieve my credit reports via XXXX and the individual credit reporting agencies ' websites. However, my attempts have been unsuccessful, further hindering my ability to monitor and protect my credit.","date_sent_to_company":"2025-11-01T19:22:55.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"02140","tags":null,"has_narrative":true,"complaint_id":"16965717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-11-01T19:22:31.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["These unauthorized actions have exposed me to significant <em>risks</em> of fraud. \n\nMultiple <em>Data</em> Breaches and Negligence : After receiving breach notifications from XXXX, stating that my Personally Identifiable Information ( PII ) had been compromised, I took all necessary steps to protect my credit. However, the freezes were either removed or never properly re-established. This ongoing mishandling of my personal <em>data</em> has contributed to my frustration and increased <em>exposure</em> to fraud."]},"sort":[14.177602,"16965717"]},{"_index":"complaint-public-v1","_id":"9890185","_score":13.532364,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian Customer Service, I am writing to express my deep concern and dissatisfaction regarding a significant violation of my privacy rights { PRIVACY ACT OF 1974 } by Experian. Recently, I discovered that my personal and sensitive financial information, including all my bank transactions, loan amounts, and missed payments, has been disclosed in a manner that has left me exposed to potential identity theft and fraud. \n\nThis unwarranted exposure of my financial data has not only compromised my privacy but has also placed me in a vulnerable position where my personal information has been & could be misused by unauthorized individuals. As a trusted credit reporting agency, Experian has a duty to protect the confidentiality and security of my personal information. However, by making such detailed financial information accessible, you have failed to uphold this responsibility. \n\nThe potential consequences of this breach are extremely concerning. I am now at increased risk of identity theft and fraud, which could result in significant financial loss and long-term damage to my creditworthiness. The distress and anxiety caused by this situation are immeasurable. \n\nFurther the FCRA disagrees with consumers private information being broadcasted, in the manner to which you have. It is also my understanding that credit reporting bureaus have particular codes that signify details without exposing their clients to the potential risks that I have stated above. If we can not come to a proper, correct & FAIR CREDIT REPORTING ACT standard of a solution I have no choice to inform higher channels such as the FTC { FEDERAL TRADE COMMISSION }, OCC { OFFICE OF THE COM CONTROLLER OF THE CURRENCY } & The SEC { SECURITIES AND EXCHANGE COMMISSION }. \n\nImportant Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \nThe term consumer means an individual. \nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31","date_sent_to_company":"2024-08-23T02:52:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33764","tags":"Servicemember","has_narrative":true,"complaint_id":"9890185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-23T02:52:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This unwarranted <em>exposure</em> of my financial <em>data</em> has not only compromised my privacy but has also placed me in a vulnerable position where my personal information has been & could be misused by unauthorized individuals. As a trusted credit reporting agency, Experian has a duty to protect the confidentiality and security of my personal information. However, by making such detailed financial information accessible, you have failed to uphold this responsibility."]},"sort":[13.532364,"9890185"]},{"_index":"complaint-public-v1","_id":"9890184","_score":13.532364,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian Customer Service, I am writing to express my deep concern and dissatisfaction regarding a significant violation of my privacy rights { PRIVACY ACT OF 1974 } by Experian. Recently, I discovered that my personal and sensitive financial information, including all my bank transactions, loan amounts, and missed payments, has been disclosed in a manner that has left me exposed to potential identity theft and fraud. \n\nThis unwarranted exposure of my financial data has not only compromised my privacy but has also placed me in a vulnerable position where my personal information has been & could be misused by unauthorized individuals. As a trusted credit reporting agency, Experian has a duty to protect the confidentiality and security of my personal information. However, by making such detailed financial information accessible, you have failed to uphold this responsibility. \n\nThe potential consequences of this breach are extremely concerning. I am now at increased risk of identity theft and fraud, which could result in significant financial loss and long-term damage to my creditworthiness. The distress and anxiety caused by this situation are immeasurable. \n\nFurther the FCRA disagrees with consumers private information being broadcasted, in the manner to which you have. It is also my understanding that credit reporting bureaus have particular codes that signify details without exposing their clients to the potential risks that I have stated above. If we can not come to a proper, correct & FAIR CREDIT REPORTING ACT standard of a solution I have no choice to inform higher channels such as the FTC { FEDERAL TRADE COMMISSION }, OCC { OFFICE OF THE COM CONTROLLER OF THE CURRENCY } & The SEC { SECURITIES AND EXCHANGE COMMISSION }.\n\nImportant Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \nThe term consumer means an individual. \nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31","date_sent_to_company":"2024-08-23T02:52:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33764","tags":"Servicemember","has_narrative":true,"complaint_id":"9890184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-23T02:52:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This unwarranted <em>exposure</em> of my financial <em>data</em> has not only compromised my privacy but has also placed me in a vulnerable position where my personal information has been & could be misused by unauthorized individuals. As a trusted credit reporting agency, Experian has a duty to protect the confidentiality and security of my personal information. However, by making such detailed financial information accessible, you have failed to uphold this responsibility."]},"sort":[13.532364,"9890184"]},{"_index":"complaint-public-v1","_id":"9890597","_score":13.512529,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian Customer Service, I am writing to express my deep concern and dissatisfaction regarding a significant violation of my privacy rights { PRIVACY ACT OF 1974 } by Experian. Recently, I discovered that my personal and sensitive financial information, including all my bank transactions, loan amounts, and missed payments, has been disclosed in a manner that has left me exposed to potential identity theft and fraud. \n\nThis unwarranted exposure of my financial data has not only compromised my privacy but has also placed me in a vulnerable position where my personal information has been & could be misused by unauthorized individuals. As a trusted credit reporting agency, Experian has a duty to protect the confidentiality and security of my personal information. However, by making such detailed financial information accessible, you have failed to uphold this responsibility. \n\nThe potential consequences of this breach are extremely concerning. I am now at increased risk of identity theft and fraud, which could result in significant financial loss and long-term damage to my creditworthiness. The distress and XXXX  caused by this situation are immeasurable. \n\nFurther the FCRA disagrees with consumers private information being broadcasted, in the manner to which you have. It is also my understanding that credit reporting bureaus have particular codes that signify details without exposing their clients to the potential risks that I have stated above. If we can not come to a proper, correct & FAIR CREDIT REPORTING ACT standard of a solution I have no choice to inform higher channels such as the FTC { FEDERAL TRADE COMMISSION }, OCC { OFFICE OF THE COM CONTROLLER OF THE CURRENCY } & The SEC { SECURITIES AND EXCHANGE COMMISSION }. \n\nImportant Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \nThe term consumer means an individual. \nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31","date_sent_to_company":"2024-08-23T02:51:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33764","tags":"Servicemember","has_narrative":true,"complaint_id":"9890597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-23T02:45:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This unwarranted <em>exposure</em> of my financial <em>data</em> has not only compromised my privacy but has also placed me in a vulnerable position where my personal information has been & could be misused by unauthorized individuals. As a trusted credit reporting agency, Experian has a duty to protect the confidentiality and security of my personal information. However, by making such detailed financial information accessible, you have failed to uphold this responsibility."]},"sort":[13.512529,"9890597"]},{"_index":"complaint-public-v1","_id":"17263533","_score":13.471067,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint against Barclays Bank USA ( Barclays ) for their egregious mishandling of my JetBlue credit card account. This has resulted in significant damage to my credit profile, unnecessary exposure to identity theft risks, and a blatant disregard for fair lending practices and customer security. As a long-standing customer with an impeccable payment history, I have been subjected to incompetent, obstructive, and potentially illegal procedures that have caused me undue financial harm. I demand a thorough investigation into Barclays ' practices, immediate rectification of my account, and appropriate penalties against the bank for their reckless behavior. \nI have been a Barclays customer for over XXXX years, holding their JetBlue credit card during this entire period. Throughout this time, I have made every payment on time and in full, maintaining an exemplary account history. My credit score exceeds XXXX, and I hold multiple other credit cards with aggregate limits surpassing {$100000.00}, demonstrating my strong financial standing and creditworthiness. \n\nThe issues began when I attempted to book a JetBlue flight and was presented with a promotion for the JetBlue PLUS card, which offered enhanced benefits. Given my longstanding relationship with Barclays and my existing JetBlue card, I reasonably assumed an upgrade would be straightforward without impacting my credit report. I contacted Barclays customer service by phone to inquire about upgrading my account. To my surprise, the representative informed me that no upgrade option was available and that I must apply for an entirely new card online. I expressed concern about the hard credit inquiry this would trigger, which could negatively affect my credit score, but was assured this was the only path forward. Reluctantly, I proceeded with the online application. \n\nThe application resulted in instant approval, but it was flagged for additional verification. A Barclays representative called me to gather more information. I provided and verified all requested details, including my date of birth, Social Security number, existing card number, address, and annual income of {$600000.00}, which they initially questioned as a potential error, despite it being accurate and verifiable. After this verification, the representative proposed closing my existing JetBlue card with its {$25000.00} credit limit, transferring that limit to the new JetBlue PLUS card, and issuing the new card immediately. I voiced strong objections, as this would result in XXXX major negative impacts on my credit : the closure of a long-standing account ( reducing my average account age and available credit ) and a new hard inquiry. However, the representative insisted this was the sole option, leading me to agree under duress. \n\nThe representative then proceeded to close my existing account before finalizing the new one. This was a catastrophic error in process that left me vulnerable. Before completing the transfer, I was transferred to a security department representative, whom I can only describe as unprofessional and obstructive. Despite providing the exact same verification information, and more, this individual claimed they could not confirm my identity. They demanded that I mail physical copies of highly sensitive documents through the U.S. Postal Service : my Social Security card ( front and back ), driver 's license, passport, and a utility bill as proof of address. I immediately raised alarms about the severe identity theft risks this posed, especially given the insecure nature of postal mail and my prior experience with identity theft. Barclays ' insistence on this archaic and dangerous method is not only outdated but recklessly endangers customers in an era of rampant data breaches and fraud. \n\nI made over XXXX subsequent calls to Barclays, arguing with multiple representatives about the absurdity of this policy. Each time, I was told there was \" absolutely no way '' to submit documents securely via electronic means, such as encrypted email or a secure upload portal. These are standard practices at virtually every other financial institution. Finally, after persistent escalation, one supervisor begrudgingly authorized submission via fax. Lacking a fax machine ( as most modern consumers do ), I was forced to download a third-party app to send the fax, further exposing myself to potential identity theft risks through an unverified platform. Ironically, this was a method similar to one that led to my identity being stolen in the past. I faxed copies of my passport, driver 's license, and utility bills as requested. \n\nUnbelievably, Barclays then deemed this insufficient and doubled down, demanding a mailed photocopy of my Social Security card 's front and back. This final demand was the breaking point. I refused to comply, as it would compound the already unacceptable risks to my personal security. As a direct result of Barclays ' incompetence and inflexible policies, my credit has suffered XXXX major derogatory marks : ( XXXX ) the closure of my longstanding {$25000.00} credit line, reducing my total available credit and harming my utilization ratio ; ( XXXX ) the loss of that credit line 's positive history from my credit report ; and ( XXXX ) the hard inquiry from the new application, which remains unresolved because Barclays has not approved the card due to my refusal to mail sensitive documents. Had Barclays disclosed the full ramifications upfront or offered a simple upgrade without closure, I would never have proceeded. Their misleading representations and procedural failures have directly caused this damage. \n\nBarclays ' actions exhibit egregious behavior, including prematurely closing accounts without proper safeguards, misleading customers about application processes, and enforcing outdated verification methods that prioritize internal bureaucracy over customer safety. These practices pose significant risks to customers, such as heightened vulnerability to identity theft through insecure document transmission, unwarranted damage to credit scores that can lead to higher interest rates on future loans or denials of credit, and unnecessary financial stress from lost credit availability. Numerous complaints filed with the CFPB and BBB highlight similar issues with Barclays ' handling of fraud and verification, underscoring a pattern of negligence that endangers consumers ' financial well-being. \n\nAdditionally, Barclays has refused to provide any written decision regarding my application, deliberately stalling the process in an apparent attempt to coerce me into submitting my Social Security card via unsecured mail. This tactic exemplifies their egregious behavior by withholding transparency and documentation that consumers are entitled to under federal regulations, further exposing me to prolonged credit uncertainty and potential fraud risks. Such refusal violates the Fair Credit Reporting Act ( FCRA ) requirements for timely and written adverse action notices, as well as the Consumer Financial Protection Act 's prohibitions against unfair, deceptive, or abusive acts that hinder consumers ' ability to resolve disputes efficiently. \n\nFurthermore, these actions violate several key consumer protection laws. By closing my account prematurely and reporting it to credit bureaus without ensuring the new card could be issued, Barclays may have breached the Fair Credit Reporting Act ( FCRA ), which requires accuracy in credit reporting and proper notice for adverse actions affecting credit. Their refusal to provide secure, electronic document submission options contravenes the Gramm-Leach-Bliley Act ( GLBA ), specifically its Safeguards Rule, which mandates that financial institutions implement reasonable measures to protect sensitive customer information from unauthorized access or misuse. Insisting on mailing highly sensitive documents like Social Security cards exposes customers to fraud risks, potentially constituting an unfair or deceptive act under the Consumer Financial Protection Act and FTC regulations. This not only fails to safeguard nonpublic personal information but also smacks of predatory tactics that exploit customers ' trust. Such violations undermine the integrity of the financial system and warrant severe penalties to deter future misconduct. \n\nI demand the following immediate remedies : A full investigation by the CFPB into Barclays ' credit card upgrade policies, verification procedures, and customer service practices, with appropriate fines and sanctions to prevent future harm to consumers. \n\nImmediate approval of my JetBlue PLUS card application without further demands for insecure document submission. \n\nOvernight delivery of the new card to my address on file. \n\nReinstatement of my original {$25000.00} credit line on the new card, without any additional credit inquiries or closures reported to credit bureaus. \n\nRemoval of all negative impacts from my credit reports related to this incident, including the hard inquiry, account closure, and any associated derogatory notations.","date_sent_to_company":"2025-11-14T04:37:32.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"29588","tags":null,"has_narrative":true,"complaint_id":"17263533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-11-14T04:30:21.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Delay in processing application"},"highlight":{"complaint_what_happened":["This has resulted in significant damage to my credit profile, unnecessary <em>exposure</em> to identity theft <em>risks</em>, and a blatant disregard for fair lending practices and <em>customer</em> security. As a long-standing <em>customer</em> with an impeccable payment history, I have been subjected to incompetent, obstructive, and potentially illegal procedures that have caused me undue financial harm."]},"sort":[13.471067,"17263533"]},{"_index":"complaint-public-v1","_id":"15971000","_score":13.274467,"_source":{"product":"Checking or savings account","complaint_what_happened":"Cash App ( XXXX XXXX XXXX ) closed/disabled my account without explanation. I am XXXX XXXX, an independent candidate for XXXXXXXX XXXX XXXX XXXXXXXX ). This timing makes the closure appear politically motivated.\n\nUnder the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ), Cash App must investigate disputes, provide written results, and furnish documents relied upon. I demanded : ( 1 ) reopening or written legal justification, ( XXXX ) copies of investigative records, ( XXXX ) confirmation of fund status, and ( XXXX ) assurance of no negative reporting. \n\nCash App has not complied. I seek immediate reopening, full documentation, confirmation of fund status, and compensation for losses caused by the lockout. \n\n\n-- - Expanded Narrative ( if form allows more detail or as PDF attachment ) Who I am : My name is XXXX XXXX, an independent candidate for the U.S. House of Representatives ( Michigans 9th District ).\n\nWhat happened : Cash App ( Block, Inc. ) closed or disabled my account without providing any lawful or factual basis. I have repeatedly requested : Reopening or written legal justification citing policies/statutes ; Copies of all documents relied upon in the decision ( incident reports, flags, decision logs, internal notes ) ; Confirmation of the status of funds ; Written assurance of no adverse reporting. \n\n\nCash App has ignored these requests. The timing of this closure during my candidacy raises serious concerns of politically motivated de-platforming.\n\nWhy this is unlawful : Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ) require timely investigation of disputes, written notice of results, and access to documents relied upon. \n\nCash Apps own policies echo these requirements. \n\nBlocking financial services without lawful explanation constitutes an unfair and deceptive practice under consumer protection law. \n\n\nHarm suffered : Loss of access to financial services during an active federal campaign ; Lost opportunities and reputational harm ; Delays in lawful transactions.\n\nRelief sought : I request that CFPB compel Block, Inc. ( Cash App ) to : 1. Reopen/restore my account or provide a detailed written legal justification.\n\n2. Produce all documents used in its decision.\n\n3. Confirm the status of all funds and ensure no adverse reporting has occurred.\n\n4. Compensate me for losses directly caused by the account closure.\n\nDocument Production & Records 1. Produce complete EFTA/Regulation E compliance manuals in effect at the time of account closure. \n\n\nXXXX. Provide the written policies governing account freezes, including XXXX triggers. \n\n\nXXXX. Produce all Suspicious Activity Reports ( SARs ) filed referencing me or my transactions ( redacted if required ). \n\n\nXXXX. Provide transaction monitoring logs and algorithmic flagging criteria used in my case. \n\n\nXXXX. Produce copies of communications with any financial institution partners ( e.g., XXXX XXXX, XXXX XXXX XXXX  ) about my account. \n\n\nXXXX. Deliver a full XXXX XXXX of every employee who accessed my account records ( with timestamps, employee IDs, and actions taken ). \n\n\nXXXX. Provide internal chat transcripts, Slack threads, Teams logs regarding my account. \n\n\nXXXX. Identify all keywords or triggers in your automated compliance system that flagged my account. \n\n\nXXXX. Produce the decision tree or workflow chart showing how automated account suspensions are escalated to human review. \n\n\nXXXX. Provide copies of all training materials given to Cash App employees on how to handle disputes under Reg E.\n\nLegal & Regulatory 11. Cite the precise statutory authority that permits unilateral account termination absent consumer fraud. \nXXXX. Identify the jurisdiction and arbitration rules you believe govern disputes under your Terms of XXXX. \nXXXX. Provide the last 5 years of regulatory enforcement actions involving Cash App under XXXX XXXX. \nXXXX. List all regulators or government agencies notified about my account closure. \nXXXX. Confirm whether any XXXX requests, subpoenas, or grand jury subpoenas were received referencing me. \n16. Identify the compliance officer of record responsible for my accounts termination.\n\n17. Provide the name and bar number of the in-house counsel who reviewed or approved my closure. \nXXXX. State whether you notified the Consumer Financial Protection Bureau of my dispute ( as required by complaint reporting obligations ).\n\n19. Provide evidence of compliance with 15 U.S.C. 1693h ( Consumer Liability ) regarding provisional credit.\n\n20. Demonstrate compliance with 12 C.F.R. 1005.11 ( c ) ( error resolution procedures ). \n\nXXXX XXXX XXXX XXXX. Provide my raw data export ( XXXXXXXX XXXX XXXX  ) from your backend databases. \nXXXX. Deliver a machine-readable copy of my account history, including hidden fields ( metadata, flags, internal tags ). \nXXXX. Produce all system-generated risk scores for my account. \nXXXX. Provide records of algorithm training data used for account-closure decisioning. \nXXXX. Identify whether AI or machine learning models were used in the decision, and produce their outputs. \nXXXX. List all third-party vendors with whom my account data was shared. \nXXXX. Provide the vendor contracts governing data access to my account. \nXXXX. State whether my account was included in any batch risk purges or automated sweeps. \nXXXX. Produce a copy of your data retention and destruction schedule. \nXXXX. Provide confirmation whether my data was replicated to offshore servers, and if so, in what jurisdictions.\n\nCommunications & Notices 31. Provide the exact wording of all notices allegedly sent to me about closure. \nXXXX. Prove the delivery method and timestamps of such notices ( mail logs, email headers ). \nXXXX. Identify any customer service scripts employees used when speaking about my account. \nXXXX. Produce all recordings/transcripts of calls between me and your support team. \nXXXX. Provide copies of consumer-facing policies in effect at the time of closure ( archived ToS and FAQs ). \nXXXX. Produce the consumer complaints log ( internal CFPB complaint matching ). \nXXXX. Provide internal escalation tickets with tags, priority codes, and XXXX compliance. \nXXXX. Confirm whether my name or account has been added to any external negative lists ( e.g., XXXX XXXX XXXX XXXX XXXX \nXXXX. Provide any correspondence with social media companies regarding me, my name, or account. \nXXXX. Confirm whether you flagged my account as linked to political activity or election-related risk. \n\nAccountability & Remedies XXXX. Identify every employee involved in the closure decision, with job title and department. \nXXXX. Provide the disciplinary record of employees who mishandled XXXX XXXX disputes in the last 3 years. \nXXXX. Show evidence of your annual Reg XXXX training certification for staff. \nXXXX. Provide your internal XXXX XXXX audit reports for XXXX. \nXXXX. Identify whether my account has been used in any model training datasets after closure. \nXXXX. State whether you have insurance coverage ( XXXX & O, cyber liability ) that would apply to my claim for damages. \n\nI. Corporate Structure & Governance ( XXXX ) XXXX. Provide a current organizational chart of all departments touching compliance. \n\n\nXXXX. Produce the minutes of XXXX meetings where XXXX XXXX XXXX was discussed. \n\n\nXXXX. Identify your XXXX XXXX XXXX and provide rsum/credentials. \n\n\nXXXX. Provide a copy of your XXXX compliance plan. \n\n\nXXXX. Provide your XXXX XXXX XXXX and policies. \n\n\nXXXX. Identify your designated Reg XXXX XXXX. \n\n\nXXXX. Produce your XXXX compliance manual. \n\n\nXXXX. Provide all XXXX ( XXXX XXXX XXXX XXXX ) risk assessments. \n\n\nXXXX. Provide the XXXX annual compliance certifications submitted to regulators. \n\n\nXXXX. Provide the job descriptions for every compliance XXXX. \n\n\nXXXX. Provide the whistleblower policy and hotline logs. \n\n\nXXXX. Provide your internal audit plan for consumer protection. \n\n\nXXXX. Produce a list of outside counsel advising on XXXX XXXX. \n\n\nXXXX. Identify all law firms retained for Cash App litigation XXXX. \n\n\nXXXX. Provide vendor XXXX XXXX minutes. \n\n\nXXXX. Provide your data governance charter. \n\n\nXXXX. Provide a copy of your risk appetite statement. \n\n\nXXXX. Provide your third-party oversight framework. \n\n\nXXXX. Provide your escalation matrix for compliance issues. \n\n\nXXXX. Provide all ethics certifications signed by employees in 2024. \n\nXXXX. Transactions & XXXX ( XXXX ) XXXX. Provide a general ledger extract of my account activity. \n\n\nXXXX. Provide reconciliation logs showing how my account was balanced daily. \n\n\nXXXX. Provide chargeback records involving my account. \n\n\nXXXX. Provide ACH return codes linked to my account. \n\n\nXXXX. Provide network flags received from XXXX XXXX \n\n\nXXXX. Produce internal memos on dispute ratios. \n\n\nXXXX. Provide the settlement files sent to banking partners. \n\n\nXXXX. Provide XXXX audit results for XXXX. \n\n\nXXXX. Provide PCI DSS compliance reports. \n\n\nXXXX. Provide the ledger reversal policy. \n\n\nXXXX. Provide rejected transaction reports tied to my account. \n\n\nXXXX. Provide system downtime logs impacting my access. \n\n\nXXXX. Provide fraud loss reserve calculations. \n\n\nXXXX. Provide the basis for XXXX thresholds. \n\n\nXXXX. Provide currency transaction report ( CTR ) logs. \n\n\nXXXX. Provide escalation reports for suspicious transfers. \n\n\nXXXX. Provide batch file extracts to partner banks. \n\n\nXXXX. Provide internal fraud alerts assigned to my account. \n\n\nXXXX. Provide return item handling procedures. \n\n\nXXXX. Provide correspondent bank queries. \n\n\nXXXX. Provide wire transfer logs. \n\n\nXXXX. Provide pre-funding policies. \n\n\nXXXX. Provide settlement exposure memos. \n\n\nXXXX. Provide third-party acquirer correspondence. \n\n\nXXXX. Provide risk engine audit logs. \n\n\nXXXX. Provide duplicate transaction investigation reports. \n\n\nXXXX. Provide accounting policy memos. \n\n\nXXXX. Provide evidence of XXXX XXXX XXXX controls. \n\n\nXXXX. Provide bank reconciliation packages. \n\n\nXXXX. Provide matching of suspense accounts involving my funds. \n\nXXXX. XXXXechnology & Data ( 5190 ) 51. Provide system architecture diagrams for Cash App. \n\n\nXXXX. Provide the list of APIs connected to my account data. \n\n\nXXXX. Provide source code documentation for risk scoring models. \n\n\nXXXX. Provide QA test cases run before deploying compliance code. \n\n\nXXXX. Provide incident reports for outages affecting me. \n\n\nXXXX. Provide SOC XXXX audit reports. \n\n\nXXXX. Provide cloud hosting contracts. \n\n\nXXXX. Provide geolocation records tied to my logins. \n\n\nXXXX. Provide device fingerprinting logs. \n\n\nXXXX. Provide cookie/session token histories. \n\n\nXXXX. Provide IP address logs for my account. \n\n\nXXXX. Provide multi-factor authentication logs. \n\n\nXXXX. Provide data breach notifications submitted to regulators. \n\n\nXXXX. Provide cybersecurity incident response playbooks. \n\n\nXXXX. Provide XXXX CSF compliance attestations. \n\n\nXXXX. Provide XXXX XXXX certification records. \n\n\nXXXX. Provide XXXX test results ( XXXX ). \n\n\nXXXX. Provide bug bounty reports referencing my account. \n\n\nXXXX. Provide firewall access logs. \n\n\nXXXX. Provide SIEM alerts involving my activity. \n\n\nXXXX. Provide database snapshots of my account table. \n\n\nXXXX. Provide version history of my account record. \n\n\nXXXX. Provide access control lists for my data. \n\n\nXXXX. Provide data lineage documentation. \n\n\nXXXX. Provide data masking/redaction policies. \n\n\nXXXX. Provide encryption key rotation logs. \n\n\nXXXX. Provide SaaS vendor security audits. \n\n\nXXXX. Provide incident tickets raised by IT about my account. \n\n\nXXXX. Provide change management tickets for closure decision. \n\n\nXXXX. Provide rollback/restore capabilities for my account. \n\n\nXXXX. Provide GDPR compliance reports ( if XXXX data processed ). \n\n\nXXXX. Provide CCPA compliance certifications. \n\n\nXXXX. Provide audit logs showing data exports. \n\n\nXXXX. Provide all AI/ML vendor contracts. \n\n\nXXXX. Provide data ethics reviews of AI models. \n\n\nXXXX. Provide model validation reports. \n\n\nXXXX. Provide false positive rates for closure algorithms. \n\n\nXXXX. Provide data bias testing results. \n\n\nXXXX. Provide shadow model performance logs. \n\n\nXXXX. Provide explainability memos on AI closure logic. \n\nIV. XXXX XXXX & Complaints ( XXXX ) XXXX. Provide CFPB complaint response logs. \n\n\nXXXX. Provide FTC inquiry responses. \n\n\nXXXX. Provide XXXX XXXX XXXX complaint summaries. \n\n\nXXXX. Provide XXXX XXXX complaint logs. \n\n\nXXXX. Provide internal complaint resolution times. \n\n\nXXXX. Provide complaint trend analysis. \n\n\nXXXX. Provide heat maps of complaint types. \n\n\nXXXX. Provide monthly compliance dashboards. \n\n\nXXXX. Provide call center quality monitoring scores. \n\n\nXXXX. Provide support ticket lifecycle reports. \n\n\nXXXX. Provide average response times vs. SLA.\n\n102. Provide consumer disclosure templates.\n\n103. Provide adverse action notices.\n\n104. Provide UCC Article 4A compliance documents.\n\n105. Provide escalation memos for VIP or sensitive accounts. \n\n\nXXXX. Provide complaint severity scoring rules. \n\n\nXXXX. Provide ombudsman reports. \n\n\nXXXX. Provide repeat offender tracking logs. \n\n\nXXXX. Provide call deflection rates. \n\n\nXXXX. Provide training records for dispute resolution staff. \n\n\nXXXX. Provide scripts for responding to Reg XXXX claims. \n\n\nXXXX. Provide QA reports on complaint handling. \n\n\nXXXX. Provide consumer harm assessments. \n\n\nXXXX. Provide remediation plans for past violations. \n\n\nXXXX. Provide corrective action plans filed with regulators. \n\n\nXXXX. Provide refund policies for wrongful closures. \n\n\nXXXX. Provide copies of all restitution paid XXXX. \n\n\nXXXX. Provide mediation/arbitration cases involving Cash App. \n\n\nXXXX. Provide settlement agreements with consumers. \n\n\nXXXX. Provide tracking logs of escalations to executives. \n\nXXXX Risk & Oversight ( 121150 ) 121. Provide enterprise risk assessments XXXX. \n\n\nXXXX. Provide stress test results. \n\n\nXXXX. Provide capital adequacy memos for payment risk. \n\n\nXXXX. Provide anti-deplatforming risk analysis. \n\n\nXXXX. Provide political neutrality policy. \n\n\nXXXX. Provide lists of PEP ( politically exposed persons ) flagged. \n\n\nXXXX. Confirm if my name is on a PEP list. \n\n\nXXXX. Provide country risk matrices. \n\n\nXXXX. Provide scenario analyses for account closures. \n\n\nXXXX. Provide lessons-learned reports from wrongful closures. \n\n\nXXXX. Provide remediation plans filed after regulatory criticism. \n\n\nXXXX. Provide stress scenarios involving election candidates. \n\n\nXXXX. Provide XXXX dashboard reports. \n\n\nXXXX. Provide XXXX  framework compliance docs. \n\n\nXXXX. Provide XXXX XXXX compliance memos ( if applicable ). \n\n\nXXXX. Provide risk tolerance thresholds. \n\n\nXXXX. Provide annual risk committee minutes. \n\n\nXXXX. Provide internal audit findings on closure practices. \n\n\nXXXX. Provide regulatory exam reports from XXXX. \n\n\nXXXX. Provide risk-adjusted closure ratios. \n\n\nXXXX. Provide heat maps of political activity risk. \n\n\nXXXX. Provide country-by-country closure stats. \n\n\nXXXX. Provide customer impact statements. \n\n\nXXXX. Provide scenario testing memos for reputational harm. \n\n\nXXXX. Provide public relations risk analysis. \n\n\nXXXX. Provide reputational damage dashboards. \n\n\nXXXX. Provide compliance testing of closure appeals. \n\n\nXXXX. Provide escalation path for politically sensitive cases. \n\n\nXXXX. Provide XXXX certifications for closure legality. \n\n\nXXXX. XXXX XXXX attestations that closures follow law. \n\n\n\n\n\nXXXX XXXX XXXX for Me! \n\n\nPaid For XXXX XXXX XXXX For XXXX","date_sent_to_company":"2025-10-02T14:56:33.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"15971000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-17T04:21:52.000Z","state":"MI","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Provide settlement <em>exposure</em> memos. \n\n\nXXXX. Provide third-party acquirer correspondence. \n\n\nXXXX. Provide <em>risk</em> engine audit logs. \n\n\nXXXX. Provide duplicate transaction investigation reports. \n\n\nXXXX. Provide accounting policy memos. \n\n\nXXXX. Provide evidence of XXXX XXXX XXXX controls. \n\n\nXXXX. Provide bank reconciliation packages. \n\n\nXXXX. Provide matching of suspense accounts involving my funds. \n\nXXXX. XXXXechnology & <em>Data</em> ( 5190 ) 51. Provide <em>system</em> architecture diagrams for Cash App."]},"sort":[13.274467,"15971000"]},{"_index":"complaint-public-v1","_id":"18025001","_score":13.128611,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint against Barclays Bank XXXX XXXX Barclays ) for their egregious mishandling of my JetBlue credit card account. This has resulted in significant damage to my credit profile, unnecessary exposure to identity theft risks, and a blatant disregard for fair lending practices and customer security. As a long-standing customer with an impeccable payment history, I have been subjected to incompetent, obstructive, and potentially illegal procedures that have caused me undue financial harm. Despite fully complying with their verification demandsincluding repeatedly providing the exact sensitive documents they requestedBarclays continues to stonewall me, refusing to approve the card or resolve the issues. I demand a thorough investigation into Barclays ' practices, immediate rectification of my account, and appropriate penalties against the bank for their reckless behavior. \nI have been a Barclays customer for over six years, holding their JetBlue credit card during this entire period. Throughout this time, I have made every payment on time and in full, maintaining an exemplary account history. My credit score exceeds XXXX, and I hold multiple other credit cards with aggregate limits surpassing {$100000.00}, demonstrating my strong financial standing and creditworthiness.\n\nThe issues began when I attempted to book a JetBlue flight and was presented with a promotion for the JetBlue PLUS card, which offered enhanced benefits. Given my longstanding relationship with Barclays and my existing JetBlue card, I reasonably assumed an upgrade would be straightforward without impacting my credit report. I contacted Barclays customer service by phone to inquire about upgrading my account. To my surprise, the representative informed me that no upgrade option was available and that I must apply for an entirely new card online. I expressed concern about the hard credit inquiry this would trigger, which could negatively affect my credit score, but was assured this was the only path forward. Reluctantly, I proceeded with the online application. \nThe application resulted in instant approval, but it was flagged for additional verification. A Barclays representative called me to gather more information. I provided and verified all requested details, including my date of birth, Social Security number, existing card number, address, and annual income of {$600000.00}, which they initially questioned as a potential error, despite it being accurate and verifiable. After this verification, the representative proposed closing my existing JetBlue card with its {$25000.00} credit limit, transferring that limit to the new JetBlue PLUS card, and issuing the new card immediately. I voiced strong objections, as this would result in two major negative impacts on my credit : the closure of a long-standing account ( reducing my average account age and available credit ) and a new hard inquiry. However, the representative insisted this was the sole option, leading me to agree under duress.\n\nThe representative then proceeded to close my existing account before finalizing the new one. This was a catastrophic error in process that left me vulnerable. Before completing the transfer, I was transferred to a security department representative, whom I can only describe as unprofessional and obstructive. Despite providing the exact same verification information, and more, this individual claimed they could not confirm my identity. They demanded that I mail physical copies of highly sensitive documents through the XXXX. XXXX XXXX  : my Social Security card ( front and back ), driver 's license, passport, and a utility bill as proof of address. I immediately raised alarms about the severe identity theft risks this posed, especially given the insecure nature of postal mail and my prior experience with identity theft. Barclays ' insistence on this archaic and dangerous method is not only outdated but recklessly endangers customers in an era of rampant data breaches and fraud.\n\nI made over five subsequent calls to Barclays, arguing with multiple representatives about the absurdity of this policy. Each time, I was told there was \" absolutely no way '' to submit documents securely via electronic means, such as encrypted email or a secure upload portal. These are standard practices at virtually every other financial institution. Finally, after persistent escalation, one supervisor begrudgingly authorized submission via fax. Lacking a fax machine ( as most modern consumers do ), I was forced to download a third-party app to send the fax, further exposing myself to potential identity theft risks through an unverified platform. Ironically, this was a method similar to one that led to my identity being stolen in the past.\n\nI faxed copies of my passport, driver 's license, and utility bills as requested. Unbelievably, Barclays then deemed this insufficient and doubled down, demanding a mailed photocopy of my Social Security card 's front and back. Despite my strong objections to the risks involved, I ultimately complied with this demand as well. I faxed copies of my Social Security card ( front and back ) over six separate times using the third-party app, each with confirmation of successful transmission and proof of delivery. Yet, Barclays continues to falsely claim they have not received these documents and has refused to approve the card or provide me with the credit I was promised.\n\nThis final refusal has been the breaking point, compounded by Barclays ' complete stonewalling at the highest levels. I have contacted their Office of the President multiple times, leaving over 10 detailed voicemails, but have received no response whatsoevernot even an acknowledgment of my calls. This deliberate inaction exemplifies their obstructive tactics and apparent intent to prolong the harm to my credit.\n\nAs a direct result of Barclays ' incompetence and inflexible policies, my credit has suffered three major derogatory marks : ( 1 ) the closure of my longstanding {$25000.00} credit line, reducing my total available credit and harming my utilization ratio ; ( 2 ) the loss of that credit line 's positive history from my credit report ; and ( 3 ) the hard inquiry from the new application, which remains unresolved because Barclays has not approved the card despite my full compliance with their demands. Had Barclays disclosed the full ramifications upfront or offered a simple upgrade without closure, I would never have proceeded. Their misleading representations and procedural failures have directly caused this damage.\n\nBarclays ' actions exhibit egregious behavior, including prematurely closing accounts without proper safeguards, misleading customers about application processes, enforcing outdated verification methods that prioritize internal bureaucracy over customer safety, and stonewalling even after customers provide requested documents. These practices pose significant risks to customers, such as heightened vulnerability to identity theft through insecure document transmission, unwarranted damage to credit scores that can lead to higher interest rates on future loans or denials of credit, and unnecessary financial stress from lost credit availability. Numerous complaints filed with the CFPB and XXXX  highlight similar issues with Barclays ' handling of fraud and verification, underscoring a pattern of negligence that endangers consumers ' financial well-being. \nAdditionally, Barclays has refused to provide any written decision regarding my application, deliberately stalling the process in an apparent attempt to coerce compliance or avoid resolution. This tactic exemplifies their egregious behavior by withholding transparency and documentation that consumers are entitled to under federal regulations, further exposing me to prolonged credit uncertainty and potential fraud risks. Such refusal violates the Fair Credit Reporting Act ( FCRA ) requirements for timely and written adverse action notices, as well as the Consumer Financial Protection Act 's prohibitions against unfair, deceptive, or abusive acts that hinder consumers ' ability to resolve disputes efficiently.\n\nFurthermore, these actions violate several key consumer protection laws. By closing my account prematurely and reporting it to credit bureaus without ensuring the new card could be issued, Barclays may have breached the Fair Credit Reporting Act ( FCRA ), which requires accuracy in credit reporting and proper notice for adverse actions affecting credit. Their refusal to provide secure, electronic document submission options contravenes the Gramm-Leach-Bliley Act ( GLBA ), specifically its Safeguards Rule, which mandates that financial institutions implement reasonable measures to protect sensitive customer information from unauthorized access or misuse. Insisting on mailing or repeatedly ignoring faxed highly sensitive documents like Social Security cards exposes customers to fraud risks, potentially constituting an unfair or deceptive act under the Consumer Financial Protection Act and FTC regulations. This not only fails to safeguard nonpublic personal information but also smacks of predatory tactics that exploit customers ' trust. Such violations undermine the integrity of the financial system and warrant severe penalties to deter future misconduct.\n\nI demand the following immediate remedies : A full investigation by the CFPB into Barclays ' credit card upgrade policies, verification procedures, customer service practices, and executive response protocols, with appropriate fines and sanctions to prevent future harm to consumers.\n\nImmediate approval of my JetBlue PLUS card application without further demands or delays.\n\nOvernight delivery of the new card to my address on file.\n\nReinstatement of my original {$25000.00} credit line on the new card, without any additional credit inquiries or closures reported to credit bureaus.\n\nRemoval of all negative impacts from my credit reports related to this incident, including the hard inquiry, account closure, and any associated derogatory notations.\n\nThank you for your attention to this serious matter. I look forward to your prompt action.","date_sent_to_company":"2025-12-14T06:17:16.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"29588","tags":null,"has_narrative":true,"complaint_id":"18025001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-12-14T06:04:47.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["This has resulted in significant damage to my credit profile, unnecessary <em>exposure</em> to identity theft <em>risks</em>, and a blatant disregard for fair lending practices and <em>customer</em> security. As a long-standing <em>customer</em> with an impeccable payment history, I have been subjected to incompetent, obstructive, and potentially illegal procedures that have caused me undue financial harm."]},"sort":[13.128611,"18025001"]},{"_index":"complaint-public-v1","_id":"17170480","_score":12.822645,"_source":{"product":"Mortgage","complaint_what_happened":"Legal Hold Notice PRESERVE EVIDENCE Date : XX/XX/XXXX To : General Counsel, NewRez LLC ( d/b/a Shellpoint Mortgage Servicing ) XXXX ( or official GC address ) Chief Legal Officer, XXXX XXXX XXXX XXXX ( or official GC address ) Chief Risk Officer, XXXX XXXX XXXX XXXX ( or official address ) Audit Committee Chair, XXXX XXXX XXXX [ name/address ] Cc : Outside Counsel ( XXXX XXXX or listed counsel ) , Compliance Department, IT/Infrastructure, Records Custodians Re : LEGAL HOLD NOTICE Preservation of Documents, ESI, Call Recordings, and Metadata Relating to Loan No. [ XXXX ] and All Related Complaints, CFPB Filings, and Regulatory Inquiries 1. Purpose This Legal Hold Notice requires immediate preservation of all documents and electronically stored information ( ESI ) that are or may be relevant to potential litigation, regulatory enforcement, or government investigation concerning NewRez LLC ( d/b/a Shellpoint Mortgage Servicing ), its servicing of Loan No. [ XXXX ], and related issues that have been the subject of CFPB/TDFI and other regulatory complaints. Actual or reasonably anticipated litigation or regulatory inquiry exists ; preservation is mandatory. \n\n2. Legal Basis Preservation is required under federal and state law, including but not limited to Fed. R. Civ. P. 26 and 37 ( e ), 18 U.S.C. 1519 ( criminal sanctions for destruction/alteration of records ), and applicable regulatory preservation obligations enforced by the CFPB, SEC, and state financial regulators. Failure to preserve relevant records may result in sanctions, adverse-inference findings, referral to enforcement authorities, and criminal exposure. \n\n3. Immediately Preserve ( Scope ) Preserve all relevant materials whether in active systems, archived storage, backups, shadow copies, XXXX services, mobile devices, chat systems, voicemail, or third-party vendor platforms including but not limited to : Account & Transaction Records Complete transaction histories, integrated servicing ledgers, suspense/unapplied payment records, escrow histories, payment posting logs, and all versions of account statements for Loan No. [ XXXX ] ( from XX/XX/XXXX to present ). \n\nCall & Voice Records All inbound/outbound call recordings, call metadata, transcripts, IVR logs , and quality-assurance notes that reference the loan, the borrower ( XXXX XXXX ), or CFPB complaint IDs. \n\nCommunications All emails, text messages, XXXX messages, internal tickets, and correspondence ( including attachments ) referencing the borrower, loan number, CFPB complaints, TDFI/other regulator contacts, or any of the attached exhibits. \n\nSystem & Audit Logs Database logs, audit trails, XXXX  submission logs, XXXX node edits, reconciliation reports, database modification timestamps, user IDs responsible for edits, hashes, backups, and any change/delete events. \n\nVendor & Third-Party Records Records held by vendors ( call-recording providers, MSP platform providers, XXXX hosts, backup vendors, auditors ) concerning the loan or related complaints. \n\nCompliance & Legal Files All internal compliance reviews, investigation notes, escalation memos, Board materials, committee minutes, legal-department memos , regulatory correspondence ( drafts and final ), and any communications with outside counsel regarding these matters. \n\n4. Custodians Preserve all materials from the following custodians ( including but not limited to ) : XXXX XXXX ( CEO ) XXXX XXXX ( CFO/CAO ) XXXX XXXX ( Chief Legal Officer ) XXXX XXXX XXXX ( Head of Risk ) Compliance, Customer Care , Collections, Servicing Ops, IT, Audit, Investor Relations, and any named employees or agents that have handled Loan No. [ XXXX ] or related CFPB submissions. \n\n5. Suspension of Deletion / Alteration You are instructed to suspend any automatic deletion, overwriting, rolling-off, patching, purging, or other alteration of relevant data in live systems, backups, archives, and third-party platforms until further written notice. This includes disabling any auto-archival or data-retention jobs that could modify timestamps, hashes, or content. \n\n6. Confirmation & Certification Within seven ( 7 ) business days of receipt of this Notice, please confirm in response to the complaint through CFPB portal. \na ) The legal hold has been implemented ; b ) The list of named custodians and systems is being preserved ; and c ) The company has taken steps to suspend any scheduled deletions or overwrites. \n\nProvide the name and contact information of the person ( s ) responsible for the preservation in each business unit ( Legal, IT, Compliance ). If you decline to implement preservation, identify with specificity the categories you refuse and explain the legal basis. \n\n7. Consequences of Non-Compliance Please be advised that any deletion, alteration, or failure to preserve relevant documents or ESI after receipt of this Notice may constitute spoliation and subject the company and responsible individuals to remedies including : court sanctions, adverse-inference instructions, monetary sanctions, referral to regulatory or criminal authorities ( including CFPB, SEC, DOJ ) , and use of spoliation as evidence of consciousness of guilt. \n\n8. Production / Next Steps This Notice does not waive any rights. If counsel is retained by the company or if you have outside counsel already handling these matters, please provide counsels contact information. I ( and/or my counsel ) will be requesting formal production of preserved materials and a written preservation certification as the matter proceeds.","date_sent_to_company":"2025-11-11T16:33:21.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"17170480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-11T16:23:46.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Suspension of Deletion / Alteration You are instructed to suspend any automatic deletion, overwriting, rolling-off, patching, purging, or other alteration of relevant <em>data</em> in live <em>systems</em>, backups, archives, and third-party platforms until further written notice. This includes disabling any auto-archival or <em>data</em>-retention jobs that could modify timestamps, hashes, or content. \n\n6."]},"sort":[12.822645,"17170480"]},{"_index":"complaint-public-v1","_id":"17372630","_score":12.257087,"_source":{"product":"Mortgage","complaint_what_happened":"IMMINENT HARM TO ALL BORROWERS Product : Mortgage Issue : Trouble during payment process / False delinquency / Systemic servicing failure Company : Shellpoint Mortgage Servicing ( NewRez LLC )/ XXXX XXXX XXXX XXXX \nDate Range Covered : XX/XX/year> XX/XX/year> XXXX. Summary of the Problem ( XXXX Ledger Manipulation ) Between XX/XX/year> and XX/XX/year>, my mortgage payment history at Shellpoint/NewRez changed without any new payment, disbursement, or legitimate servicing activity. \n\nOn Day XXXX, the payment history PDF showed XXXX version of my XX/XX/year> transactions. \nOn Day XXXX, a new PDF for the same loan, same period, same loan number, showed a different ledger : a new transaction line was inserted, transaction order was changed, and balances shifted without any actual payment or escrow activity. \n\nIn other words, the past was edited in XXXX hours. \n\nThis is not a misunderstanding ; it is XXXX contradictory, system-generated ledgers for the same dates, obtained directly from XXXX online XXXX portal on XXXX consecutive days. \n\n\n\nXXXX. Facts : What Changed Between XX/XX/XXXX and XX/XX/XXXX For the period surrounding XX/XX/year>, the XXXX PDFs ( downloaded on consecutive days ) show : Day XXXX ledger ( prior PDF ) : XXXX entries on XX/XX/year> : XXXX unapplied/processing entry XXXX regular payment entry Escrow, unapplied, and principal balances associated with those transactions. \n\nDay XXXX ledger ( new PDF, next day ) : Now there are XXXX entries on XX/XX/year> : XXXX. An unapplied entry for the full payment XXXX. A separate {$750.00} unapplied payment line that did not exist the prior day XXXX. A regular payment line Escrow balance shifts to a more negative value, even though no taxes or insurance were paid and no escrow analysis is shown. \nThe principal balance remains the same, but the path to reach that number ( the sequence and classification of transactions ) is different. \n\nNo new payments were made between the issuance of the XXXX PDFs. No reversals, no NSF, no escrow disbursements, no payoff, no modification. The only thing that changed was the content of XXXX own ledger. \n\nThis is not a simple temporary online view issue. I have : XXXX different official Shellpoint payment-history PDFs, for the same loan, covering the same time period, downloaded on consecutive days, which do not match. \n\n\n\nXXXX. Why This Matters : False Delinquency & Fabricated Numbers At the same time these changes appear : The system shows me Past Due : {$5000.00} While also showing : Last payment received before the due date Payment due XX/XX/year> already covered by that payment Next coupon date advanced as if the payment cycle is current. \n\nThat {$5000.00} past due amount is built from : My regular payment amount ( {$3900.00} ) + late charges ( {$1000.00} ) + other fees ( ~ {$75.00} ) The ledger changes from XX/XX/XXXX to XX/XX/XXXX appear designed to justify that synthetic past-due figure by recoding or fragmenting prior payments ( e.g., creating a {$750.00} partial unapplied entry that didnt exist the prior day ), instead of reflecting reality. \n\nThis is ledger engineering, not accounting. \n\n\n\nXXXX. Legal Violations Implicated a. XXXX  & XXXX XXXX Payment Application & Error Resolution Under 12 U.S.C. 2605 ( k ) and 12 C.F.R. 1024.35 ( b ) ( 1 ) ( i ) ( ii ), servicers must : correctly apply payments as of the date received, and treat failures in payment application and false information about the loan status as errors requiring investigation and correction. \n\nBy generating XXXX different histories for the same period with conflicting entries and balances, Shellpoint/NewRez are : failing to maintain a consistent, accurate payment history, potentially misapplying or mischaracterizing payments, and creating false delinquency by changing how prior payments are labeled after the fact. \n\nRegulation XXXX  also requires [ r ] easonable policies and procedures to ensure accurate and timely information, including proper maintenance of documents and data used for servicing. 12 C.F.R. 1024.38 ( b ). A system that produces XXXX ledger XXXX day and a different ledger the next, with no underlying transaction, is evidence of a systemic failure of those policies. \n\nb. Truth in Lending Act ( TILA ) & Mortgage Servicing Rules Under the TILA servicing rules and XXXX mortgage servicing regulations, periodic statements and histories must be accurate and complete. Generating XXXX incompatible versions of my payment history for the same dates is per XXXX inconsistency and undermines any periodic statement relying on that ledger. \n\nXXXX XXXX Unfair, Deceptive, or Abusive Acts and Practices Creating, through internal changes, a false impression that I am past due when : XXXX version of the ledger shows payments applied, another recasts them as unapplied/partial, and the past-due amount appears to be built out of re-labeled payments and extra fees, is deceptive and unfair within the meaning of the Consumer Financial Protection Act, 12 U.S.C. 5531, 5536. The consumer can not possibly understand or verify their true obligation if the lender itself can not maintain a stable, consistent ledger for even XXXX hours. \n\nThis sort of conduct is similar in nature to practices previously found unlawful in CFPB servicing actions, where servicers misapplied payments, misrepresented the status of loans, or maintained system data that did not accurately reflect borrower performance. \n\nXXXX VA XXXX XXXX XXXX XXXX ( Context ) This loan is a XXXX mortgage and I am a 100 % permanent & total XXXX veteran. A VA borrower being declared past due based on a ledger that internally contradicts itself carries heightened risk of : wrongful default/foreclosure, improper fees, and improper reporting to credit bureaus. \n\nIt also undermines the integrity of XXXXguaranteed loan performance reporting. \n\n\n\nXXXX. Evidence Pattern : Systemic, Not XXXX This XXXX shift is not happening in a vacuum. It is consistent with a broader pattern on my account : Repeated contradictions in phone calls about what is due and what has been paid Prior admissions by agents that large amounts ( e.g., ~ {$12000.00} ) sat in unapplied status and then disappeared from the portal Negative escrow balances that dont match disbursement history Past-due statuses despite payments made before the due date A separate incident where I was sent another borrowers foreclosure notice with their financial data blended into mine The XX/XX/year> XXXX change is not an isolated glitch ; it is a snapshot of an actively unstable servicing system that can not reliably maintain a single version of the truth. \n\n\n\nXXXX. Harm and Risk Because of this manipulation and data instability, I face : Artificial past due status based on a ledger that has been rewritten. \nExposure to wrongful foreclosure activity based on corrupted or altered data. \nPotential damage to my credit if this synthetic delinquency is reported. \nXXXX stress and psychological harm, particularly as a XXXX veteran who is supposed to be protected instead of put at risk by systemic accounting failures. \n\nIf my single loan history can be altered between XX/XX/XXXX and XX/XX/XXXX without any real transaction, it is reasonable to suspect other borrowers histories are also changing behind the scenes, especially on this same platform. \n\n\n\nXXXX. Requested Action by CFPB I am requesting : XXXX. XXXX and/or XXXX XXXX XXXX XXXX XXXX XXXX, specifically : How multiple versions of a payment history can exist for the same period, generated on different days, with different lines and different balances. \nWhether payment-, escrow-, and fee-posting logic is stable and accurate. \nXXXX. A requirement that Shellpoint/NewRez : Provide a complete, immutable transaction history for my loan from transfer to present, with : all transaction IDs, all system posting dates and effective dates, all reversals, all suspense/unapplied entries, and all internal adjustment codes. \nExplain in writing why my XX/XX/year> transaction set appears differently in XXXX PDFs produced on XXXX consecutive days. \nXXXX. A determination whether : The creation of a {$5000.00} past due figure is based on legitimate missed payments or is the result of post-hoc ledger manipulation and fee stacking. \nThere is a pattern-or-practice of generating artificial delinquency and negative escrow through unstable systems. \nXXXX. XXXX from any foreclosure or collection activity while : these inconsistencies exist, and this case is being reviewed by CFPB, VA, and any partnering regulators. \n\n\n\nXXXX. Closing Between XX/XX/XXXX and XX/XX/year>, my Shellpoint/NewRez payment history changed without a single real-world payment being made. That is not a consumer issue. That is not a misunderstanding. That is a system that can not keep its own story straight for XXXX hours. \n\nI am asking CFPB to treat this not as a single customer complaint, but as a red-flag indicator of systemic servicing failure, especially given the VA XXXX XXXX the loan and my status as a XXXX veteran.","date_sent_to_company":"2025-11-19T14:26:05.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"17372630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-19T14:16:54.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Harm and <em>Risk</em> Because of this manipulation and <em>data</em> instability, I face : Artificial past due status based on a ledger that has been rewritten. \n<em>Exposure</em> to wrongful foreclosure activity based on corrupted or altered <em>data</em>. \nPotential damage to my credit if this synthetic delinquency is reported. \nXXXX stress and psychological harm, particularly as a XXXX veteran who is supposed to be protected instead of put at <em>risk</em> by systemic accounting failures."]},"sort":[12.257087,"17372630"]},{"_index":"complaint-public-v1","_id":"18434104","_score":11.901701,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX  and XXXX XXXX in Mortgage Tax Servicing : The CoreLogic-BAC Nexus Executive Summary : Strategic Context and Definitive Findings The structural transformation of the United States mortgage servicing landscape over the past XXXX decades is epitomized by the strategic nexus formed between XXXX XXXX XXXXXXXX XXXX XXXX ) and CoreLogic. This relationship, fundamentally cemented through a landmark asset divestiture in XX/XX/XXXX, represents a profound shift in the operational philosophy of systemically important financial institutions ( SIFIs ). The identification of \" XXXX XXXX XXXX XXXX '' unequivocally points to a former operational unit of XXXX XXXX XXXX XXXX, whose common shares trade under the XXXX symbol \" BAC ''. This corporate linkage is the cornerstone for understanding a transactional framework that moved from internal bank management to a highly specialized, scaled third-party processing ( TPP ) model. \nThe relationship is not competitive or transactional on a spot-market basis, but rather an established, long-term outsourcing arrangement born from necessity. This arrangement was formalized when XXXX acquired XXXX property tax processing and flood zone determination assets, along with their corresponding operating platforms. Post-acquisition, XXXX rebranded as Cotality in XXXXassumed the primary responsibility as the operational payer to more than XXXX municipal tax authorities. In this capacity, XXXX functions as a specialized TPP, executing the fiduciary property tax obligations retained by XXXX XXXX XXXXXXXX for its massive residential loan portfolio. \nThe transaction data reflects the execution of mortgage servicing obligations through XXXX primary capital flows. The most visible flow consists of large, bundled disbursements directed toward specific taxing jurisdictions, such as county treasurers, derived from accumulated homeowner escrow funds. The second, less visible flow involves the internal transfer of fiduciary capital and contractual servicing fees from XXXX XXXX XXXXXXXX to XXXX under the specific XXXX services agreement established during the XXXX asset purchase. This strategic outsourcing decision was fundamentally driven by the need to streamline operations, reduce inherent litigation exposure associated with high-volume tasks, and optimize regulatory capital utilization under the XXXX XXXX XXXX. \nCorporate Identity Disambiguation and the XXXX XXXX XXXX The precise nature of the CoreLogic and BAC relationship is anchored in a definitive strategic transaction that occurred in XXXX. To analyze this relationship, it is first necessary to disambiguate the corporate entities involved. The nomenclature \" XXXX XXXX XXXX XXXX '' strongly correlates with XXXX XXXXXXXX XXXX XXXX, as \" BAC '' is the definitive organizational identifier used on the XXXX XXXX XXXXXXXX XXXX. This massive financial services unit must be distinguished from smaller, unrelated entities like \" XXXX XXXX XXXX, '' which specializes in individual tax returns. \nThe transactional relationship began with a major strategic divestiture. On XX/XX/XXXX, XXXX publicly announced the acquisition of flood zone determination and property tax processing services assets from XXXX XXXX XXXXXXXX. This deal, which closed on XX/XX/XXXX, was funded by cash on hand and accompanied by a long-term services agreement. \nTable XXXX : XXXX Acquisition of XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) | Asset/Function | Seller ( BAC Operational Unit ) | Acquirer ( CoreLogic ) | Resultant Payer Status | | -- -| -- -| -- -| -- -| | Tax Processing Platforms | Internal Servicing Infrastructure | Services Segment Operations | CoreLogic became operational payer to municipalities | | Flood Zone Determination | Internal Compliance Unit | Specialized CoreLogic Unit | CoreLogic became contracted provider for compliance | | Servicing Obligation | Remains with XXXX ( MSRs retained ) | Operational Execution Outsourced | XXXX is the funder ; CoreLogic is the executor | | | Fiduciary Duty | Retained by XXXX | Managed via Agreement | The strategic rationale for Bank of Americas divestiture was rooted in the post-XXXX economic crisis environment. By XXXX, XXXX XXXX  XXXX was grappling with intense regulatory scrutiny concerning its past origination and servicing activities, including extensive litigation related to foreclosure documentation. Divesting complex, high-risk operational business lines was a key component of XXXX 's XXXX to reduce its involvement in non-core functions and mitigate the massive legal fees associated with managing a distressed loan portfolio. \nFor XXXX, the acquisition was a move to achieve scale and expand profitability. XXXX XXXX, then XXXX and XXXX of XXXX, stated the deal aligned with the companys imperative of driving scale and operating leverage in its mortgage origination services segment. The integration of XXXX 's operations was expected to create significant revenue growth and margin expansion, effectively making XXXX the \" utility '' for XXXX 's tax compliance. \nThe Macroeconomic and Regulatory Catalyst : XXXX XXXX and De-Risking The broader strategic implication of this payer relationship serves as a primary case study of the structural changes within the XXXX XXXX services sector following the XXXX crisis. The decision to outsource was not merely operational ; it was a response to the punitive regulatory capital requirements introduced by the XXXX XXXX framework. \nXXXX XXXX and MSR Risk Weighting XXXX XXXX, as implemented by XXXX federal regulators, placed restrictive limits on the amount of Mortgage Servicing Rights ( MSRs ) that could be held by federally regulated financial institutions. Under pre-crisis rules, bank MSR investments were limited to XXXX  % of the common equity component of tier XXXX capital. XXXX XXXX reduced this cap to XXXX %. Furthermore, the implementation significantly increased the risk-weighting of MSRs from XXXX % to XXXX %. \nThis regulatory environment transformed MSRs into an exceptionally costly asset class. The \" gold plating '' of XXXX risk weights in the XXXX added XXXX percentage points across the board, further incentivizing banks to sell MSRs or, at the very least, outsource the operational mechanics to reduce the overhead and potential for regulatory failure. By transferring the property tax processing function to a non-bank entity like XXXX, Bank XXXX XXXX effectively shifted the operational and compliance burden, paying XXXX to manage the risk while optimizing its own balance sheet. \nXXXX XXXX and Structural Simplification Simultaneously, Title I of the Dodd-Frank Act required large financial institutions to develop resolution plans, or \" living wills ''. These plans are intended to ensure that a large bank can be resolved in a rapid and orderly fashion without a taxpayer bailout. Part of this process involves rationalizing and simplifying the company 's legal entity structure by eliminating non-essential internal units. Divesting the tax servicing operations into a contractual XXXX relationship with XXXX supported XXXX 's goal of \" Responsible Growth '' by reducing internal complexity and aligning with their risk framework. \nOperational Framework of Mortgage Escrow and Third-Party Processing To interpret the transactional data between BAC and CoreLogic, one must understand the technical mechanism of property tax escrow, commonly known as XXXX ( Principal, Interest, Taxes, and Insurance ). For most residential mortgages, the servicerXXXX XXXX XXXXcollects a portion of the annual property taxes and insurance premiums each month, holding them in a segregated, fiduciary escrow account. \nThe Mechanism of Property Tax Escrow The mortgage servicer accepts a fiduciary duty to accurately collect, hold, and disburse these funds to governmental tax authorities and insurance carriers. This duty involves three key components : * Duty of Loyalty : Managing assets solely in the interests of the beneficiaries ( the homeowners and investors ).\n\n* Duty of Care : Exercising a high degree of skill to ensure timely and accurate payments. \n* Duty of Disclosure : Providing complete and accurate information about escrow balances and transactions.\n\nBecause property taxes are managed by thousands of highly fragmented local jurisdictions, the process of disbursement is exceptionally complex and prone to error. CoreLogic fills this gap as a specialized TPP, providing a centralized data infrastructure that tracks jurisdictional tax rates, payment dates, and parcel-level property data.\n\nOperational Payer Hierarchy in the Outsourced Model In this outsourced model, the operational hierarchy dictates the nature of the observed payments. Each year, typically around XXXX, the servicer ( BofA ) provides CoreLogic with a list of properties for which taxes are due. The servicer then remits the accumulated escrow capital to CoreLogic. CoreLogic then assumes the role of the physical disburser, sending bulk payments to municipal tax authorities. \nA local government office, such as the XXXX XXXX XXXX, receives the tax payment from CoreLogic, not directly from XXXX XXXX XXXX This transfer of operational liability ensures continuity of service for the bank while achieving risk isolation. XXXX XXXX XXXXXXXX retains the regulatory oversight of the service contract but offloads the manual, error-prone task of tracking thousands of individual tax bills. \nDetailed Analysis of Transactional Flow and Payer Dynamics The payment history data reflects a sophisticated two-way flow of capital governed by the XXXX services agreement. Dissecting this flow clarifies the distinct financial responsibilities of XXXX and XXXX XXXXXXXX XXXX. \nObserved Payments ( CoreLogic as Payer ) When CoreLogic is the originating Payer, the transaction represents a XXXX XXXX XXXX aimed at satisfying local government obligations. These are the final payments in the escrow cycle. CoreLogic aggregates funds for thousands of properties and sends consolidated payments to taxing jurisdictions. The timing of these disbursements is critical, aligning with local due dates and \" Economic Loss Dates '' ( ELDs ). CoreLogics proprietary data systems track these localized variances to ensure accuracy. \nUnseen Transactional Flow ( BAC as Payer ) While CoreLogic is the visible payer to the municipality, XXXX XXXXXXXX XXXX acts as the payer in the internal XXXX transactions necessary to fund the operation. This flow has XXXX components : * Escrow Fund Remittance : XXXX XXXX XXXXXXXX transfers the accumulated homeowner escrow capital ( the XXXX & I portion of XXXX ) to CoreLogic. This is a transfer of trust funds, where XXXX takes temporary custody of the funds needed for the tax bill. \n* Servicing Fee Payments : XXXX XXXX  XXXX pays contractual service fees to CoreLogic. This payment stream is CoreLogics compensation for operational administration, compliance management, and platform usage. This component generates the actual revenue and margin expansion anticipated during the XXXX acquisition. \nXXXX XXXX and XXXX XXXX The asset transfer introduced considerable accounting complexity, particularly in managing fiduciary capital. For CoreLogic, the acquisition necessitated adjustments to its cash flow reporting, as its operating activities became linked to managing high-volume escrow accounts. While escrow funds are not revenue, their management requires meticulous reconciliation. \nA key financial mechanism in this model is optimizing the \" velocity of money '' or \" float ''. Escrow accounts represent a massive, short-term pool of liquid capital. If CoreLogic receives funds from XXXX XXXX XXXX well in advance of the municipal due dates, it gains control over significant working capital for the intervening period. CoreLogics ability to achieve \" margin expansion '' is tied to managing this float efficiently, ensuring capital is deployed advantageously before final disbursement.\n\nTechnology and Integration : The Digital Tax Portal The relationships sustainability is driven by CoreLogics significant investment in compliance technology. Traditionally, property tax processing relied on manual data handling and XXXX databases. CoreLogic transformed this process by building a Digital Tax Portal delivered to local municipalities.\n\nFeatures of the Digital Tax Portal The portal centralizes loan and property tax data, providing real-time visibility into tax deadlines and payment status. It allows for : * Near Real-time Agency Connections : Access to data from XXXX agencies, including collector details and payment instructions. \n* Delinquency Risk Tracking : Tracking cut-off dates and collections to ensure correct payments.\n\n* Self-Serve Features : Allowing servicers to update contracts, tax IDs, and legal documents in a few clicks.\n\n* Automated Verification : Tools like Digital tax Connect provide instant access to property tax data through APIs, reducing manual processes and improving customer satisfaction. \nBy XXXXXXXX XXXXXXXX % of client decisions were being performed through the portal rather than traditional methods. This digital transformation provides a layer of operational assurance and risk mitigation that XXXX XXXX XXXXXXXX could not achieve with its fragmented legacy internal systems. \nTable 2 : Digital Tax Portal Capabilities and Impact | Feature | Functionality | Strategic Benefit | | -- -| -- -| -- -| | Collector Portal | Electronic viewing and download of payment packages | Transparency and speed of reconciliation | | Tru-Pay Certification | Identifies shortages, overages, and duplicate payments | Mitigation of refund requests and errors | | API Integration | Seamless connection to servicer websites and apps | Reduced call center volume and cost | | Delinquency Monitoring | Real-time tracking of unpaid taxes and tax sales | Protection of the bank 's first-lien position | Operational and Consumer Impact of the Servicing Transition The corporate restructuring between CoreLogic and XXXX XXXX XXXXXXXX had tangible operational consequences, particularly during the transition period of XXXX. Moving massive volumes of data from legacy XXXX systems to XXXX platforms introduced friction points in data fidelity. \nImpact on Escrow Analysis Mortgage servicers are legally required to conduct an annual escrow analysis to ensure sufficient funds are collected. Discrepancies arising from data migrationsuch as inaccurate tracking of local property valuations or delayed recognition of tax increasescan lead directly to flawed analyses. \nConsequences for Homeowners ( XXXX ) A common consequence of operational friction during a servicing overhaul is the occurrence of an escrow shortage. A shortage occurs when the amount collected in the homeowners account is insufficient to cover the actual tax bill paid by CoreLogic. In XXXX and XXXX, former XXXX XXXX XXXXXXXX customers reported significant increases in their monthly payments as the servicer attempted to \" catch up '' on these shortages. \nIn some cases, homeowners discovered that funds intended for escrow were being incorrectly applied to the mortgage principal, creating a shortage in the tax account. These issues highlight the critical need for high-accuracy processing and the forensic accounting oversight that specialized entities like CoreLogic provide.\n\nRisk and Litigation Context : The Post-Crisis Clean-Up The divestiture of tax servicing was part of a larger effort by Bank of XXXX to resolve the legal overhang of the financial crisis. In XXXX, the bank agreed to a record {$16.00} billion settlement with the Department of Justice to resolve claims related to the packaging and sale of residential mortgage-backed securities ( RMBS ). \nLitigation Pressures and Regulatory Settlements XXXX XXXX XXXX faced numerous lawsuits from state attorneys general and federal agencies like the XXXX. These settlements addressed systemic failures in mortgage origination and servicing, including misrepresentations made to investors and government entities like XXXX XXXX  and XXXX XXXX. \nBy outsourcing tax servicing to CoreLogic, XXXX XXXXXXXX XXXX reduced its exposure to future litigation related to property tax errors, which had become a significant source of liability for the bank. This shift allowed XXXX to focus on its \" Responsible Growth '' tenets, growing within its risk framework and driving operational excellence. \nTable 3 : Major XXXX XXXX XXXXXXXX Regulatory Settlements ( XXXX ) | Date | Settlement Entity | Amount | Focus Area | | -- -| -- -| -- -| -- -| | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX$11.00} XXXX XXXX Repurchase and servicing claims | | XX/XX/XXXX | XXXX | {$6.00} XXXX | XXXX litigation and contract claims | | XX/XX/XXXX | DOJ / SEC | {$16.00} XXXX | XXXX fraud and disclosure failures | | XX/XX/XXXX | CFPB | {$720.00} XXXX | Deceptive marketing of add-on products | The Rebranding of CoreLogic to Cotality ( XXXX ) The evolution of the relationship reached a new stage in XX/XX/XXXX when CoreLogic announced its global rebrand to Cotality. This transformation reflects the companys progression from a financial services support provider to a leader in property information and data-enabled solutions. \nStrategic Reasons for the Rebrand The transition from CoreLogic to Cotality was described by XXXX XXXX XXXX as a \" transformation with purpose ''. The new name embodies XXXX pillars : * Collaboration and Connectivity : Uniting property professionals and fostering industry relationships. \n* Totality : Delivering comprehensive data and technology across the entire property ecosystem. \n* Vitality : Human-centric innovation and a focus on helping people thrive. \nFor mortgage lenders, the rebrand signifies a partner focused on delivering enhanced, AI-driven insights to make home lending as efficient and effective as possible. \nXXXX XXXX for Mortgage XXXX XXXX vision for the future of mortgage servicing involves utilizing billions of real-time data signals to unearth hidden risks and opportunities. This includes : * XXXX XXXX Platforms : Helping institutions consolidate multiple vendor services into a single provider to cut costs and streamline workflows. \n* AI and Automation : Leveraging \" CoreAI '' to evolve with the property ecosystem and drive smarter lending decisions.\n\n* End-to-End Solutions : Providing predictive knowledge throughout the loan journey, from marketing and origination to servicing and monitoring. \nAs of XXXX, Cotality manages property tax payments for XXXX % of XXXX homes with first liens and serves XXXX of the top XXXX mortgage servicers. Its stable financial outlook is supported by XXXX growth, cost savings, and interest income on cash deposits held in its tax business. \nXXXX XXXX and XXXX XXXX of Cotality Despite the challenges of high interest rates, Cotality has maintained a stable financial trajectory. In the XXXX months ended XX/XX/XXXX, the company reported revenue of {$980.00} XXXX, a modest year-over-year increase. Its revenue and XXXX growth are driven by market share gains and improving efficiency through cost-cutting, including a XXXX % reduction in global office space over the past XXXX years. \nXXXX XXXX and XXXX XXXX Cotality faces significant debt maturities in XXXX and will likely need to refinance its {$5.00} XXXX of debt in early XXXX. XXXX & XXXX XXXX economists forecast that mortgage rates will improve in XXXX and XXXX, which would provide a favorable environment for this refinancing. The companys liquidity remains ample, and it expects to use future cash flow to repay its revolver. \nTable XXXX : Cotality XXXX XXXX and Projections | Indicator | XXXX XXXX Actual | XXXX XXXX Actual | XXXX Projection | | -- -| -- -| -- -| -- -| | Revenue | {$980.00} XXXX | {$980.00} XXXX | Growth via non-mortgage biz | | Debt to XXXX | N/A | XXXX | XXXX ( Improving ) | | Free Operating Cash Flow | Negative | Improving | Positive | | Mortgage Origination Volume | Baseline | XXXX % ( Expected ) | XXXX % ( XXXX XXXX Unknown","date_sent_to_company":"2026-01-03T00:05:49.000Z","issue":"Written notification about debt","sub_product":"Mortgage debt","zip_code":"30331","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"18434104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2026-01-02T23:32:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["This digital transformation provides a layer of operational assurance and <em>risk</em> mitigation that XXXX XXXX XXXXXXXX could not achieve with its fragmented legacy internal <em>systems</em>."]},"sort":[11.901701,"18434104"]},{"_index":"complaint-public-v1","_id":"19134501","_score":11.777538,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Product : Auto lease ( one-pay ) Company : Hyundai Motor Finance Issue : Mishandling of a one-pay lease return, failure to timely terminate the lease after surrender, and continued liability exposure while the surrendered vehicle is being used by a third party I am a California consumer filing a complaint against Hyundai Motor Finance ( HMF ) regarding the mishandling of a one-pay lease return and the continued active status of my lease account even though the vehicle was surrendered months ago, transported through Hyundais wholesale channels, and is now being used by a third party while I remain the lessee of record. \n\nXXXX. Parties and basic information - Consumer : Self - Vehicle : XXXX XXXX XXXX XXXX - VIN : XXXX - Lease type : One-pay lease serviced by Hyundai Motor Finance - Originating dealer : XXXX XXXX XXXX XXXX, California ) XXXX. Background of the transaction and verbal no-fee agreement At the end of XX/XX/XXXX, I visited XXXX XXXX to enter into a new lease for a XXXX XXXX XXXX XXXX and to return my existing XXXX XXXX XXXX, which was on a one-pay lease through Hyundai Motor Finance. \n\nThe dealership affirmatively represented this as a simple exchange : - I would surrender the XXXX XXXX to the dealer. \n- A new lease on the XXXX XXXX would begin. \n- There would be no disposition fee, no early termination charge, and no additional fees of any kind in connection with turning in the XXXX XXXX. \n\nI explicitly told the dealership that if any additional fees or unexpected conditions applied, I would not proceed and would instead keep or retrieve my XXXX XXXX. I was assured verbally that management would take care of everything and that there would be no such fees. In reliance on those representations, I agreed to the transaction. \n\nOn XX/XX/XXXX, I physically surrendered the XXXX XXXX at XXXX XXXX and left the vehicle and keys with the dealer. From that date forward, I have had no possession or control over the XXXX XXXX. \n\nXXXX. Incomplete Vehicle Return Receipt and lack of proper lease termination After the surrender, a Vehicle Return Receipt dated XX/XX/XXXX was generated by the dealer. That document : - Reflects an odometer reading of approximately XXXX miles. \n- Identifies XXXX XXXX and a dealer representative. \n- Leaves the lessor acceptance section entirely blank, with no signature from Hyundai Motor Finance or anyone acting on its behalf. \n\nI did not sign that return receipt on XX/XX/XXXX, and I did not sign any separate lease return or inspection form on that date. The document appears to have been created after I left and was never properly completed on the lessor side. \n\nDespite the physical surrender on XX/XX/XXXX, I have not received : - Any Final Lease Statement from Hyundai Motor Finance. \n- Any written confirmation that the lease has been grounded and terminated. \n- Any clear indication of what effective return date, if any, is being used in HMFs records. \n\nXXXX. Dealer conduct and breakdown in communication Shortly after the transaction, I submitted a negative customer satisfaction survey regarding the delivery condition and experience with the new XXXX XXXX. In response, the salesperson at XXXX XXXX ( XXXX ) sent sarcastic and unprofessional text messages complaining that my survey scores had harmed him and suggesting that my feedback was unfair. \n\nAlthough we exchanged a few follow up messages, the dealership then effectively stopped assisting me. My subsequent attempts to obtain basic information about : - The status of the XXXX XXXX lease return. \n- Whether any disposition or early termination fees would be assessed. \n\nwere ignored or met with vague, non-committal answers. \n\nXXXX. Attempts to resolve through XXXX XXXX XXXX XXXX or about XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) opened Case Number XXXX and assigned an Executive Case Manager named XXXX. \n\nOver the following weeks, I : - Provided a copy of the Vehicle Return Receipt and other requested information. \n- Repeatedly asked for confirmation of the lease status, the effective return date, and any fees. \n- Followed up after multiple promised update dates ( including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). \n\nDespite this, I was consistently told that the lease return, any disposition or early termination fees, and even the handling of related issues were dealership level concerns outside of Corporates control. HMA would not : - Confirm that the XXXX XXXX lease would be closed without fees, as represented by the dealer. \n- Provide a clear timeline or plan for termination of the XXXX XXXX lease. \n- Take responsibility for ensuring that HMF accurately reflected the actual surrender date and circumstances in its system. \n\nXXXX. Certified mail notice to Hyundai Motor Finance and continued inaction Due to growing concern about my legal and financial exposure, on or about XX/XX/XXXX I sent a detailed written notice to Hyundai Motor Finance by XXXX mail to its mailing address in XXXX XXXX, California. \n\nIn that letter, I : - Notified HMF that I had surrendered the XXXX XXXX on XX/XX/XXXX. \n- Requested that my lease account be closed effective as of that date. \n- Requested written confirmation that no disposition fee and no early termination fee would be charged, consistent with how the exchange had been presented at the dealership. \n\nAs of the date of this complaint, I have received no written response from HMF, no Final Lease Statement, and no confirmation that the account has been corrected or closed. My account continues to show as active. \n\nXXXX. Evidence that the vehicle has been moved and is now used by a third party Through Hyundais XXXX system, I have been able to track the location of my former XXXX XXXX after surrender. The data shows that : - The vehicle was transported from XXXX XXXX to the XXXX XXXX XXXX XXXX area near XXXX XXXX and XXXX XXXX. \n- It then appeared at the location of XXXX XXXX XXXX, a third-party dealership, indicating that it had moved through Hyundais wholesale or resale channels. \n\nMore recently, BlueLink GPS data has shown a repeated pattern that is consistent with personal use by an unknown third party rather than storage in any dealer inventory : - On or about XX/XX/XXXX, the vehicle was parked at XXXX XXXX XXXX XXXX in XXXX XXXX, a high-rise commercial office tower in XXXX XXXX XXXX not a dealership or storage lot. \n- On or about XX/XX/XXXX, the vehicle was parked at XXXX XXXX XXXX XXXX, XXXX XXXX, a private residential address in a residential neighborhood. \n\nTaken together, this location history strongly suggests that while my lease account remains active in my name, the surrendered vehicle is being used as a daily driver by a third party commuting between an office and a private home. \n\nXXXX. Harm and risk to me as the consumer This situation has created several forms of harm and risk : - Ongoing liability risk : Because the lease has not been formally terminated and no Final Lease Statement has been issued, I remain concerned that I could be held liable for tickets, tolls, accidents, or other incidents involving a vehicle that I surrendered months ago and that is now being used by someone else. \n- Financial uncertainty and potential loss of value : I prepaid this lease as a one-pay customer and have fully performed my obligations. The prolonged delay in grounding and closing the account may affect the final settlement calculation and any pro rated credit that would have been available if the lease had been promptly processed as of XX/XX/XXXX. \n- Impact on my credit and debt profile : Keeping the account active for months after surrender may affect my debt profile or credit considerations, despite the fact that I no longer have the vehicle. \n- Time and emotional burden : I have spent significant time and effort communicating with the dealer, XXXX XXXX XXXX, and now HMF, attempting to obtain basic clarity and fair treatment.","date_sent_to_company":"2026-01-30T16:57:42.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"92801","tags":"Servicemember","has_narrative":true,"complaint_id":"19134501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL 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