{"took":217,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":28,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2661679","_score":22.5455,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017, Equifax announced that they were the victim of a hack that occurred on or about XXXX 2017 that leaked my personal information according to their victim reporting tool at this address : https : //www.equifaxsecurity2017.comXXXX According to this site, and after I sent my identifying information for them to check says that my information has been leaked due to to this hack. \n\nThey have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for \" trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. It is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.","date_sent_to_company":"2017-09-09T13:08:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"55443","tags":null,"has_narrative":true,"complaint_id":"2661679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T12:47:23.000Z","state":"MN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It is clearly a situation of criminal negligence/fraudulent behavior as indicated by the <em>three</em> Equifax executives who dumped stock immediately prior to the data <em>breach</em> announcement."]},"sort":[22.5455,"2661679"]},{"_index":"complaint-public-v1","_id":"2667932","_score":21.878483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax was hacked and my PII as well my financial information may have been stolen.Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their \" Potential Impact '' site www.equifaxsecurity2017.com. \nThey have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for \" trial periods '' of their ID protection services. \n\nThey are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.","date_sent_to_company":"2017-09-08T23:22:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44111","tags":null,"has_narrative":true,"complaint_id":"2667932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T23:08:55.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax was <em>hacked</em> and my PII as well my financial information may <em>have</em> <em>been</em> stolen.Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data <em>breach</em> in XXXX/XXXX 2017 that they confirmed I was affected by per their \" Potential Impact '' site www.equifaxsecurity2017.com. \nThey <em>have</em> put myself and millions of others at <em>risk</em> of identity theft/fraud due to negligent security protocols in handling consumer information."]},"sort":[21.878483,"2667932"]},{"_index":"complaint-public-v1","_id":"9010088","_score":20.249228,"_source":{"product":"Mortgage","complaint_what_happened":"After 5 months of my husband calling to resolve issues making payments on our mortgage, I called today. \nThree months ago, our payment kicked in and out multiple times. \nMy husband was told we could no longer make auto payments. \nWe paid multiple bank fees associated with these returns. \nMy husband noticed his bank account number was different in the loan app. \nHe was told he must have changed the number himself. \nNo reason why he would do so, as he has not changed banks nor account numbers since before we purchased the home. \nHe made more calls, was told he could no longer pay from his bank account. \nHe was told we must pay by official check via us mail. \nWe sent requested checks, still awaiting checks to be credited to our mortgage. \nTHE MAN TODAY REALIZED THE PROBLEM. THE COMPANY WAS HACKED IN XX/XX/2023. WE WERE NEVER NOTIFIED OF THIS DATA BREACH. HE HAS SEEN IT WITH OTHER CUSTOMERS EXPERIENCING PROBLEMS. LOAN ACCOUNT NUMBERS HAD BEEN ACCESSED AND NUMBERS WERE TRANSPOSED. \nWe had incurred fees with both the mortgage company and the bank. Payments have been late and we are still struggling to sort it out. Multiple payments were taken and returned. My husband attempted to call attention to the account number discrepancy and was silenced. \nAll to find out there was a data hack, we were not the only customers, and both our finances and our credit reports have been hit multiple times. \nWhy were we never notified of this data breach? \nWhy did no one before today know about it? \nWhy were we made to stress for weeks and months? \nI was told to wait until our last two payments via certified check clear, then make all further payments by phone only. I was told the app will still have the incorrect, hacked account number, and our payments will continue to be misdirected. I should call in the future and perhaps someone in loancare IT can remedy the mistake in the app. \nSo they told no one about the data hack, they currently have no blanket fix for the hack, and although we ( hopefully ) sorted it out today, the situation has not been rectified. Our credit has suffered, our always on time payment record is now blemished, and we have paid extra funds for mistakes not make by us. The company still had no intention of solving the problem or admitting it's security risks.","date_sent_to_company":"2024-05-22T12:13:18.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"442XX","tags":null,"has_narrative":true,"complaint_id":"9010088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2024-05-14T21:56:52.000Z","state":"OH","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":["I was told the app will still <em>have</em> the incorrect, <em>hacked</em> account number, and our payments will continue to be misdirected. I should call in the future and perhaps someone in loancare IT can remedy the mistake in the app. \nSo they told no one about the data <em>hack</em>, they currently <em>have</em> no blanket fix for the <em>hack</em>, and although we ( hopefully ) sorted it out today, the situation has not <em>been</em> rectified."]},"sort":[20.249228,"9010088"]},{"_index":"complaint-public-v1","_id":"2661152","_score":20.01693,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"OnXX/XX/XXXX, Equifax was breached and leaked sensitive personal information. \n\nThe breach lasted from mid-XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. \n\nUsing the website setup by Equifax : https : //www.equifaxsecurity2017.comXXXX They have confirmed my personal information may have been impacted by this incident. \n\nThey have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for \" trial periods '' of their ID protection services. \n\nThey are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. \n\nFinally, they are making money from this situation by charging for credit freezes to be placed on the accounts of those affected.","date_sent_to_company":"2017-09-14T20:19:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94608","tags":null,"has_narrative":true,"complaint_id":"2661152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-10T02:19:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Using the website setup by Equifax : https : //www.equifaxsecurity2017.comXXXX They <em>have</em> confirmed my personal information may <em>have</em> <em>been</em> impacted by this incident. \n\nThey <em>have</em> put myself and millions of others at <em>risk</em> of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for \" trial periods '' of their ID protection services."]},"sort":[20.01693,"2661152"]},{"_index":"complaint-public-v1","_id":"10648928","_score":18.426182,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted XXXX on XX/XX/XXXX around XXXX XXXX  and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXX!!!! She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me five questions and secured the account within three minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!! XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXXXXXX  us and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX!!!","date_sent_to_company":"2024-11-01T00:37:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"62801","tags":null,"has_narrative":true,"complaint_id":"10648928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-01T00:37:48.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["All <em>three</em> <em>have</em> <em>been</em> <em>hacked</em> and <em>breached</em> my information than the XXXX  <em>have</em> you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has <em>been</em> <em>hacked</em> numerous times??? They <em>have</em> no business <em>having</em> and trying to control our data or treating us as criminals when we make a call or change!!"]},"sort":[18.426182,"10648928"]},{"_index":"complaint-public-v1","_id":"10646933","_score":18.389353,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted XXXX on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXXXXXX  She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me five questions and secured the account within three minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!XXXX XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXX XXXX and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX!!!","date_sent_to_company":"2024-11-01T00:37:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"62801","tags":null,"has_narrative":true,"complaint_id":"10646933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-01T00:37:48.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I want the credit bureaus shut down they are worthless and only put everyones data at <em>risk</em>!! All <em>three</em> <em>have</em> <em>been</em> <em>hacked</em> and <em>breached</em> my information than the XXXX  <em>have</em> you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has <em>been</em> <em>hacked</em> numerous times??? They <em>have</em> no business <em>having</em> and trying to control our data or treating us as criminals when we make a call or change!!"]},"sort":[18.389353,"10646933"]},{"_index":"complaint-public-v1","_id":"2667816","_score":18.195354,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Inc. is the subject of my complaint.\nEquifax has compromised my personal information by allowing it to be accessed by unauthorized parties and hackers.\nInformation including my name, social security number, birthday, address, driver 's license number and credit card numbers may have been compromised. They positively identified me as someone affected by their information breach.\nThis is beyond unacceptable. As one of the three major credit reporting companies in the USA, they have utterly failed to protect my privacy and identity as a consumer, and now my entire personal and financial future is at risk. This is an absurd burden to place on nearly half of the American population. As per their own admission below : \" Equifax Inc. ( NYSE : EFX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXXthrough XXXX 2017. '' \" The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. ''","date_sent_to_company":"2017-09-08T18:19:17.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"98199","tags":null,"has_narrative":true,"complaint_id":"2667816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T18:06:36.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Equifax has compromised my personal information by allowing it to be accessed by unauthorized parties and <em>hackers</em>.\nInformation including my name, social security number, birthday, address, driver 's license number and credit card numbers may <em>have</em> <em>been</em> compromised. They positively identified me as someone affected by their information <em>breach</em>.\nThis is beyond unacceptable."]},"sort":[18.195354,"2667816"]},{"_index":"complaint-public-v1","_id":"10648630","_score":17.685497,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted Transunion on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXX!!!! She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me XXXX questions and secured the account within XXXX minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!! XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXX XXXX and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX","date_sent_to_company":"2024-11-01T00:37:39.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"62801","tags":null,"has_narrative":true,"complaint_id":"10648630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-31T23:44:06.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["All <em>three</em> <em>have</em> <em>been</em> <em>hacked</em> and <em>breached</em> my information than the XXXX  <em>have</em> you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has <em>been</em> <em>hacked</em> numerous times??? They <em>have</em> no business <em>having</em> and trying to control our data or treating us as criminals when we make a call or change!!"]},"sort":[17.685497,"10648630"]},{"_index":"complaint-public-v1","_id":"17637473","_score":17.28078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally report repeated unauthorized access to my TransUnion account despite multiple security measures I have put in place. The fraudulent activity is linked to the phone number XXXX, which has been used to compromise my account. \n\nThis individual has not only hacked into my TransUnion account but has also gained unauthorized access to my bank account and other credit bureaus, causing significant harm and risk to my financial security. As a result, I am unable to sustain a credit freeze and they have repeatedly filed unauthorized credit reports in my name for the following in the year XXXX : XXXXXXXX XXXX Consolidated on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX CARD on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS on XX/XX/XXXX Unauthorized XXXX Bank address change on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized XXXX Bank address change on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX I have previously notified all three credit bureus, including TransUnion of this issue, yet the breaches continue. The breaches have been unsuccessful with other credit bureus ( XXXX and XXXX  ). I request immediate and urgent action investigate and block the fraudulent number XXXX from accessing my accounts This situation is extremely serious, and I expect swift resolution to protect my identity and financial wellbeing. I am in the process of filling a police report as well.","date_sent_to_company":"2025-12-01T18:06:44.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"78240","tags":null,"has_narrative":true,"complaint_id":"17637473","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-01T17:47:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX I <em>have</em> previously notified all <em>three</em> credit bureus, including TransUnion of this issue, yet the <em>breaches</em> continue."]},"sort":[17.28078,"17637473"]},{"_index":"complaint-public-v1","_id":"3516142","_score":16.279493,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had my personal data stolen multiple time by various data breaches at XXXX, Equifax ( not sure which one or both ), XXXX, XXXX XXXX, and others, and received free credit monitoring services for one year. I appreciate that, however, it doesn't take a brain surgeon to understand all the thieves/hackers have to do is wait one year, for the credit monitoring services to end, then fraudulently use that data of 100s of millions of people. \n\nThat said, I was chatting with one of these credit monitoring bureaus and found out that they are selling my personal information to credit card companies, financial institutions, who then market products to me. That is no big sin, I don't mind getting offers in the mail, however, when I see the big three credit monitoring agencies profiting gloriously off selling my information, and they don't properly protect that information, it's time for these agencies to provide 100 % of their monitored people with free monitoring reporting if they continue to sell this data for profit, OR require these agencies to to REQUEST FROM EACH AND EVERY PERSON IN THEIR DATA SET BEING SOLD PERMISSION TO MARKET OUR INFORMATION CLEARLY, OPENLY, AND WITHOUT AUTOMATIC ENROLLMENT, WHILE OFFERING ONLY OPT-OUT FEATURES. We do not know the opt out features ... and searching for them is difficult and time consuming .... Since these companies sell our data, Please request congress to authorize a law, or if the rules of the CFPB allow, INSTATE SUCH RULES TO IMMEDIATELY CEASE AND DESIST THE SELLING OF PERSONAL DATA TO ANYONE, WITHOUT FREE CREDIT MONITORING PROVIDED FOR AS LONG AS THE DATA REMAINS FOR SALE. In essence Automatically OPT OUT everyone, and mandate OPT IN Policies that are clear, robust, and without obfuscation as part of some other credit card application the will automatically cause an hidden opt-in feature. We can not trust the XXXX, XXXX, Equifax, XXXX XXXX, XXXX  et al, who've been hacked to provide proper protections for this critical information, so FREE round the clock credit monitoring via electronic means is only a fair trade for our personal information to be sold. One year free service is insufficient, it needs to be 24/7-365 as long as they maintain our records, OR allow US to have 100 % of our information to be 100 % deleted upon request. To my knowledge I have not directly authorized these companies to obtain nor use my person financial data, thus I should have the right to have all of this data deleted. to avoid future breaches, reduce identity theft opportunities, and added risk, without having their free credit monitoring be applied to those whose data they've collected. It costed them nothing to send email alerts out for those that have monitoring services ... in fact they market these serviced directly to those whose data has already been breached by their negligence. This is downright unfair. \n\nALL citizens should have the right to request to have 100 % of their data removed, they they will not properly protect it, and only allow the sales of such information as a direct OPT-IN policy that is properly explained and implemented. Certainly these credit bureaus can easily provide Citizens who's information they sell, with continuous monitoring whenever they sell, and NOT ONLY WHEN THEY GET CAUGHT IN NEGLIGENT ACTS OF BREACH OF DATA.","date_sent_to_company":"2020-01-31T20:58:26.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"060XX","tags":"Older American","has_narrative":true,"complaint_id":"3516142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-01-31T19:41:05.000Z","state":"CT","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["To my knowledge I <em>have</em> not directly authorized these companies to obtain nor use my person financial data, thus I should <em>have</em> the right to <em>have</em> all of this data deleted. to avoid future <em>breaches</em>, reduce identity theft opportunities, and added <em>risk</em>, without <em>having</em> their free credit monitoring be applied to those whose data they've collected."]},"sort":[16.279493,"3516142"]},{"_index":"complaint-public-v1","_id":"2674063","_score":14.731173,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After the Equifax breach, I put a freeze on all three credit reports and fraud alerts ( XXXX, XXXX and Equifax ). This was two days after the breach. I wrote the pin down. A day later I learned through news reports that the PIN was not secure, and was a date the time stamp. I have been trying to call the company and get through and for days communicated with XXXX XXXX at the XXXX, who was doing investigative work and asking XXXX XXXX questions he received from consumers, to share my experience. It was reported also in the news that XXXX XXXX acknowledged the problem with non-secure date and stamp PINS and offered to provide a remedy after widespread reporting and outrage. Today, XXXX XXXX reported the following. He asked XXXX XXXX : About those PINs : Some people want new ones, given that older PINS were not randomly generated numbers and thus may be insecure. What should people do to request one? \n\nOur technology team is evaluating this issue. We will communicate with you as soon as a process has been defined, XXXX XXXX said. \n\n\" In the interim, people who want to receive a new PIN must call XXXX, speak to a live agent and provide identity verification information to receive a replacement PIN. '' I called this number and reached a representative and also her supervisor. She confirmed that I had a freeze on my credit report ( I was n't sure because for some reason the automated line I called to put the freeze on, did not ask for payment, despite having provided my zip code and state as I did with the others, so I had no proof it went through ). She said that she could lift the freeze on the current PIN ( time and date stamp ) and generate a new PIN, and that the freeze would be effective in 48 hours to 10 days, and I would be sent the new PIN in the mail, or I could call back to get it. News reports say people ca n't get through, get kicked off websites, so I was not comfortable getting off the phone without a new pin and proof that the freeze was in place. I asked how long it would take to lift the freeze, she said 15 minutes. I asked if she would lift the freeze and stay on the line with me, and then generate the new freeze and give me the PIN. She said she could not. I spoke with a supervisor, who said the same thing. So basically, it is Equifax 's error, after a severe security breach, to give out hackable, non-secure PINS, and wait almost a week for a remedy to get a secure PIN, which puts people, and myself at risk for up to 10 days without protection. There is no way to know when and if the new freeze took place or if and when a new PIN is generated. That means anyone can hack into my information now and for potentially up to 10 days. This is unacceptable. At this moment, I have no way to protect my financial information, or from identity theft. Also, no news is coming from Equifax. It is coming from investigative journalism. I wanted to also add that XXXX and XXXX  allowed for customized PINS and took my credit card information so I had a record. I ALSO STILL DO NOT KNOW IF MY CREDIT REPORT AND INFORMATION WAS COMPROMISED. Their website, it was widely reported, was not reliable for getting this information. I ask for your expedited investigation into a way that I can lift the freeze on my account to get a secure PIN and new Freeze in place. I have no way of doing this now without putting myself at further risk. I ask that there be an immediate remedy to this, and that because of Equifax 's failure to provide consumers a quick way to protect themselves, that we should be offered now and future legal protections to remedy the possibility that years down the line, we may be subjected to identity theft. We should have access to our credit reports on a daily basis. We should not have to pay to access information that belongs to us, and that these companies can not protect, nor should be pay to monitor our credit from companies who gather our information without our consent. CAN YOU ALSO PLEASE INVESTIGATE A WAY TO KNOW DEFINITIVELY IF OUR CREDIT REPORTS AND INFORMATION HAVE BEEN COMPROMISED. Could find out a way to secure a new PIN and Freeze as soon as possible with security. The company should be put on the line to remedy this immediately. I asked the supervisor why people who are newly freezing their credit reports can get a new, secure, automatically generated PIN, but she could not do so for me over the phone. She simply said she could not and would \" do her best. ''","date_sent_to_company":"2017-09-14T20:26:52.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"949XX","tags":null,"has_narrative":true,"complaint_id":"2674063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-14T19:39:31.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After the Equifax <em>breach</em>, I put a freeze on all <em>three</em> credit reports and fraud alerts ( XXXX, XXXX and Equifax ). This was two days after the <em>breach</em>. I wrote the pin down. A day later I learned through news reports that the PIN was not secure, and was a date the time stamp. I <em>have</em> <em>been</em> trying to call the company and get through and for days communicated with XXXX XXXX at the XXXX, who was doing investigative work and asking XXXX XXXX questions he received from consumers, to share my experience."]},"sort":[14.731173,"2674063"]},{"_index":"complaint-public-v1","_id":"6482545","_score":10.108113,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Financial Protection Bureau\nP.O. Box 2900\nClinton, \nIA 52733-2900 TRUIST BANK  BREACH OF DUTY OF CARE\n \t \t \t \nDear Sir/Madam of the Consumer Financial Protection Bureau,  \n\nPlease take the time to read this information pack as it will explain the reason for my complaint to the Consumer Financial Protection Bureau. \n\nOn XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated\nby XXXX XXXX (the Scammer) and innocently lost XXXX  USD of my hard-earned life-savings.  I advised Truist Bank of this fact on XXXX XXXX XXXX and I havent received any satisfactory response so far.\n\nTruist Bank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices (GIP) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm.   \n \nSince XXXX XXXX, I have been attempting to resolve this matter with Truist Bank, but they have failed to settle this matter satisfactorily. I have been dealing with Truist Bank in good faith and am deeply disappointed in how they have handled this matter thus far.  \n   \nI find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. \nAccordingly, I respectfully insist that Truist Bank covers all overdrafts (560,000.00 USD) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Truist Bank and have never had any difficulties of this kind before.\n\nFURTHER POINTS FOR CONSIDERATION \n\nThe examples of good and bad practices around investment fraud. Good practice included but was not limited to:\n\tA bank regularly assesses the risk to itself and its customers of losses from fraud, including investment fraud, in accordance with their established risk management framework. The risk assessment does not only cover situations where the bank could cover losses, but also where customers could lose and not be reimbursed by the bank. Resource allocation and mitigation measures are informed by this assessment.\n\tA bank contacts customers if it suspects a payment is being made to an investment fraudster.\n\tA bank has transaction monitoring rules designed to detect specific types of investment fraud. Investment fraud subject matter experts help set these rules.\n\tReal-time payment screening against a well-formulated watch list; transaction monitoring rules designed to detect specific types of investment fraud\n\tBanks actively contacting customers if suspect payments are identified\n\tBanks placing material on investment fraud on its website\n\tWork to detect and prevent investment fraud from being integrated with a banks vulnerable customers initiative\n\nTaking into account the law, regulatory rules and guidance, relevant codes of practice and what should consider having been good industry practice at the time, Truist Bank should reasonably and reasonably consider:\n\tHave been monitoring accountsand any payments made or receivedto counter various risks, including anti-money-laundering, countering the financing of terrorism, and preventing fraud and scams;\n\tHave had systems in place to look out for unusual transactions or other signs that might indicate its customers were at risk of fraud (amongst other things). This is particularly so given the increase in sophisticated fraud and scams in recent years, which banks are generally more familiar with than the average customer; and\n\tIn some circumstances, irrespective of the payment channel used, have taken additional steps, or made additional checks, before processed a payment, or in some cases declined to make a payment altogether, to help protect customers from the possibility of financial harm from fraud.\n\nDespite the regulatory and statutory requirements Truist Bank shall abide by as a licensed and regulated financial institution, instead of detecting patterns, drawing certain conclusions, and taking actions accordingly, Truist Bank may have insufficiently performed some hasty and haphazard review of the transaction(s) regarding the suspicious activities, but it seems that rather than being careful, methodical, and vigilant, they took no notice of what was happening.\n\nPlease be noted that I will not in any way quietly tolerate the consequences of Truist Bank actions (or more precisely, the lack thereof). It is perfectly obvious that they could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and could have entirely prevented this disastrous outcome.\nAs previously advised, they should have known, suspected, or had reason to suspect that the transactions (or pattern of transactions):\n\tinvolve funds the ultimate purpose of which was to fuel an illegal enterprise;\n\tis intended to disguise funds the ultimate purpose of which was to fuel an illegal enterprise, in an attempt to avoid and thus violate regulations;\n\tis intentionally designed to defraud your customer;\n\tserves no legitimate or lawful purpose; and\n\tinvolve the use of your services to facilitate criminal activity.\n\nThere are so many other ways in which measures related to fraud prevention and mitigation could have been useful. Further factors that should have been taken into consideration include, but are not limited to, the following:\n\tThe timing, volume, frequency, and nature of the transactions in question;\n\tThe abnormality of such transactions against the background of your experience with me as a customer and other entities associated with the transactions (if any);\n\tThe suspicious nature of such transactions based on my overall risk profile including vulnerability and identification and research of high-risk services/products;\n\tSystemic filtering mechanisms, whether manual or automatic, for the identification of unusual activities; and\n\tPeriodic evaluation of the usefulness, appropriateness and effectiveness of anti-fraud programs, and other associated policies and procedures.\n\nRelevant industry practices at the time of the victimization:\nTruist Bank is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is:\n\tparticularly vulnerable, or\n\tif the possibility of fraud was serious or real, not just suspected.\n\nThere are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm.\nThese recommendations are established as a general principle, the organization should deliver a service that:\n\n1)\tTakes a proactive approach to minimizing risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organization:\n\nA) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts:\na. multiple cheque books;\nb. sudden increased spending;\nc. transfers to other accounts;\nd. multiple password attempts;\ne. logins from new devices, multiple geographical locations;\nf. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\ng. a withdrawal or payment for a large amount;\nh. a payment or series of payments to a new payee;\ni. financial activity that matches a known method of fraud or financial abuse.\n\nB) organizations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action.\n\nMy true issue with the bank is their limited understanding of the kind of recall I was requesting to raise. The most common reason for a recall is where the account holder says the transaction was not authorised; a recall can also be claimed if the goods were not received or if the cardholder paid in another way (eg., with cash).\n\nWhilst I am not denying the demand for the reason code, I am emphasizing to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Truist Bank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case.\n\nTruist Bank could have done more at the time of the payment to warn me of the risks of scams\n\tTaking steps to educate their customers about scams.\n\tTaking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams.\n\tProviding effective warnings to customers if the bank identifies a scam risk.\n\tTaking extra steps to protect customers who might be vulnerable to scams.\n\tTalking to customers about payments and even delaying or stopping payments where there are scam concerns.\n\tActing quickly when a scam is reported to it.\n\tTaking steps to stop fraudsters from opening bank accounts.\nBanks and other Payment Services Providers (PSPs) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account.\nBut, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment.  \nI think Truist Bank shouldve had enough knowledge of this type of scam at the time. Truist Bank could have protected me from this; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Truist Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.\nAlthough it was not Truist Bank that scammed me, they had many obligations to protect my Financial Interest - which they did not uphold if you take a quick look at the bank statements you will realise how the transactions were absolutely out of the usual pattern, there was suddenly increased spending, payments for considerably large amounts, series of payments to a new payee and of course financial activity that matched a known method of fraud or financial abuse.\nAll of the above points were not considered by Truist Bank when I was victimised, and no actions were taken to prevent that victimisation. Of course, I appreciate that they might want to act in good faith and uphold my requests to transfer these payments but the code sets out that organisations should have a process in place, to ensure that (i) staff make contact with the customer to verify the financial activity, (ii) challenge its authenticity, (iii) explain the nature of the suspected or detected fraud and (iv) discuss an appropriate plan of action. \n \nTo further simplify the situation with respect to the nature of the transactions, there are circumstances, irrespective of the payment channel used, where a bank should take additional steps, or make additional checks, before processing a payment, or in some cases decline to make a payment altogether, to help protect customers from the possibility of financial harm. This is particularly so in light of the environment created by the increase in sophisticated fraud and scams in recent years - which banks are generally more familiar with than the average customer.\n \nKindly take into account that this case against Truist Bank is not primarily about the scam that happened. My main issue with Truist Bank is its unwillingness to raise a recall under the relevant reason code. It is obvious that they did not take any of my reasonings into account and blatantly focused on the authorisation argument that does not match my case and the issue of whether the transactions were fraudulent according to what is written on the paper. \n\nAnti-Money Laundering Requirements for Financial Institutions and Other Designated Businesses \n\n3.1 What financial institutions and other businesses are subject to anti-money laundering requirements? Describe which professional activities are subject to such requirements and the obligations of the financial institutions and other businesses. The following are subject to the requirement to maintain risk-based AML Programs: \n\n\tBanks, including savings associations, trust companies, credit unions, branches and subsidiaries of foreign banks in the United States, and Edge corporations.\n\tBroker-dealers in securities.\n\tMutual funds. Futures Commission Merchants and Introducing Brokers in Commodities. Money Services Businesses 3.4 What are the requirements for recordkeeping or reporting large currency transactions? When must reports be filed and at what thresholds?\n\nCurrency Transaction Reporting\n\nFinancial institutions (defined as financial institutions under the BSA regulations) must file CTRs with FinCEN on all transactions in (physical) currency in excess of XXXX  (or the foreign equivalent) conducted by, though, or to the financial institution, by or on behalf of the same person, on the same day. 31C.F.R.  1010.310315.\nIt is prohibited to structure transactions to cause a financial institution not to file a CTR or to file an inaccurate CTR by breaking down transactions into smaller amounts at one or more financial institutions over one or more days. 31 C.F.R.  1010.314.\n\nCustomer Due Diligence\nPursuant to regulatory requirements, which became effective May 11, 2018, as part of their AML Programs, certain financial institutions (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must implement formal risk-based CDD programs that include certain minimum elements, including customer identification and verification (under a Customer Identification Program), obtaining information about the nature and purpose of a customers account, ongoing monitoring of customer accounts, obtaining beneficial ownership information at a 25% threshold\nfor legal entity customers and identifying a control person for legal entity customers (with certain exceptions).\n\nThere also is a specific BSA requirement to maintain CDD programs for non-U.S. persons private banking accounts and foreign correspondent accounts. The same covered financial institutions as for CDD programs (banks, broker-dealers, mutual funds, FCMs and IB-Cs) must maintain a CDD program for non-U.S. private banking accounts established on behalf of, or for the benefit of, a non-U.S. person and foreign correspondent customers and an enhanced due diligence (EDD) program for those relationships posing a higher risk. These programs must be designed to detect and report suspicious activity with certain minimum standards. These requirements are based on Section 312 of the PATRIOT Act and are often referred to as Section 312 requirements. 31 C.F.R.  1010.610 (due diligence for foreign correspondent accounts), 1010.620 (due diligence for private banking for non-U.S. persons).\n3.9 What is the criteria for reporting suspicious activity?\n\nFinancial institutions and other businesses subject to the AML Program requirement (except Check Cashers, Operators of Credit Card Systems, and Dealers in Precious Metals, Precious Stones, or Jewels) are required to file SARs with FinCEN under the BSA (and for banks, under parallel requirements of their federal functional regulators). SARs are required where the filer knows, suspects, or has reason to suspect a transaction conducted or attempted by, at\nor through the financial institution: \n\n\tinvolves money laundering;\n\tis designed to evade any BSA regulation or requirement;\n\thas no business or apparent lawful purpose or is not the sort in which a particular customer would engage; or \n\tinvolves the use of the financial institution to facilitate criminal activity or involves any known or suspected violation of federal criminal law. \n\tSee, e.g., 31 C.F.R.  1023.320(c) (SAR requirements for broker-dealers). Generally, the reporting threshold is XXXX or more. For banks, if the suspect is unknown, it is XXXX or more. For MSBs, generally, it is XXXX or more.\n\nIn XXXX XXXX the office of the Senator XXXX XXXX  issued a report called: Facilitating Fraud: How Consumers Defrauded on XXXX are Left High and Dry by the Banks that Created It. These are some of the most important statements mentioned in the report:\nIn XXXX XXXX, Senator XXXX opened an investigation to determine the extent of fraudulent activity on XXXX, and to understand how the company and the banks that own and operate it make consumers whole when they are defrauded on the platform. Senators XXXX XXXX XXXX XXXX  wrote to XXXX seeking information about the frequency of scams and fraud and the companys policies on redressing consumers who have been defrauded. \nThe information provided by XXXX revealed that an estimated XXXX XXXX was lost by XXXX users through frauds and scams in 2021, but that the banks that participate in the network appear not to have provided sufficient recourse to their customers. In particular, XXXX response indicated that XXXX  facilitates fraudulent activity of many kinds That includes activity in which a users account is accessed by a bad actor and used to transfer a payment  often called unauthorized transactions  and activity in which a user is fraudulently induced into transferring a payment to a bad actor  often referred to by XXXX and XXXX-participant banks as authorized transactions.\nSenators XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then sent letters to the seven big banks that own and operate XXXX parent company to determine the extent of the problems with illegal and fraudulent activity, and to determine how banks were helping consumers who lost money on the platform.\nAt nearly every turn, most of the big banks have stonewalled, refusing to provide the information requested by members of Congress. However, Senators XXXX XXXX XXXX finally obtained commitments from several of the banks CEOs that they would provide the information on XXXX to Congress during a Committee on Banking, Housing, and Urban Affairs hearing on XXXX XXXX XXXX\nOverall, the three banks that provided complete data sets  XXXX XXXX XXXX XXXX, and Truist  reported 35,848 cases of scams, involving over XXXX  million of payments in XXXX  and the first half of XXXX. In the vast majority of these cases, the banks did not repay the customers that reported being scammed. Overall these three banks reported repaying customers in only 3,473 cases (representing nearly 10% of scam claims) and repaid only XXXX XXXX  (representing 11.2% of payments).\nThe findings of this report reveal that fraud and theft on XXXX are widespread and growing, with consumers losing XXXX  each year. The banks that own and profit from the platform are failing to make their customers whole for both authorized and unauthorized fraudulent transactions, while refusing to release information publicly or to their customers that could help keep all consumers safe. Given this uncertain landscape and the banks abdication of responsibility, regulatory clarity is needed to further protect XXXX  users.\nThe CFPB has regulatory authority over peer-to-peer platforms including XXXX, and is reportedly considering issuing guidance to push banks to cover more fraudulently induced transactions, a move that would greatly improve consumer protections on peer-to-peer platforms like XXXX The agency should act to clarify and strengthen Regulation E and include fraud in the Regulations error resolution purview, increasing the responsibility of banks to keep XXXX safe and to ensure that consumers will be protected. The banks that created and profit off of XXXX should be pushed to protect their consumers from bad actors on their platform, and regulators should step in to ensure a fair and consistent process for everyone.\nFrom the report issued by the office of Senator XXXX XXXX, it is clear that the banks dont treat scam victims fairly, only 10% of scam victims get a compensation from the bank, while others just left suffering. Even more, banks keep getting their profit, while more and more people keep being scammed, hacked, simply saying, losing their hard-earned funds.\nAs it is mentioned in the report, such organizations as CFPB should issue a guidance in which it will be written how step-by step, financial institutions need to check each and every transaction that looks suspicious, especially those which are sent to a new payee (e.g., cryptocurrency platforms). In case if the financial institution doesnt follow these rules and their customer is scammed, it shouldnt be blamed only as a victims guilt. Financial institutions need to take their responsibility as well and provide their customer with a decent compensation.\n\nDesired outcome: Truist Bank has to put things into the right perspective for me by reversing the total amount of XXXX  USD paid to scammers as I have suffered a great loss because of this fraud, it had affected me personally, emotionally and financially. \n\n\nYours sincerely, \n\nXXXX XXXX","date_sent_to_company":"2023-01-24T12:46:36.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"6482545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-01-24T12:41:22.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at <em>risk</em> of financial harm.   \n \nSince XXXX XXXX, I <em>have</em> <em>been</em> attempting to resolve this matter with Truist Bank, but they <em>have</em> failed to settle this matter satisfactorily. I <em>have</em> <em>been</em> dealing with Truist Bank in good faith and am deeply disappointed in how they <em>have</em> handled this matter thus far."]},"sort":[10.108113,"6482545"]},{"_index":"complaint-public-v1","_id":"2753472","_score":8.974529,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"We MUST end the Credit Bureau industry as a for profit * I will ; be emailing this out to as many Candidates as I can locate and I will be re-sending this information daily until politicians get rid of the credit bureau industrys Domestic XXXX. \n\nThe purpose of this complaint is three fold : 1. To update my continued complaint and provide an Authentic step by step historical display how TransUnion continues to break the law, which will be helpful with my imminent lawsuit. \n2. To provide the public and Congress and other law firms a true account of the defiance TransUnion, XXXX and XXXX has towards the American Judicial system and Congress. \nXXXX. To provide and document the chronological history, which will help assist in my imminent civil litigation To the candidates who have a tough fight for Re-Election in XX/XX/XXXX. Voice your disgust with the credit bureau industry, come up with a viable plan to end this type of domestic terrorism. You will gain votes as nearly everyone of your voters would support ending the Credit bureau industry as it is, just ask them yourselves. Further, it could separate you from other opponents. \n\nReason # 1 From a reliable source : XXXX may have been responsible for the XXXX hack, if this is true. They can identify employees in every govt and corporate industry who may be vulnerable to blackmail or bribes. We must end the for profit Credit Bureau industry and place it in the hands of our Government to allow them to protect this highly valuable personal information from XXXX and Countries who would use it to infiltrate our most classified information. \n\nReason # 2 The Credit Bureaus are in defiance of the American government. They pay little, if any attention to laws or policies. Look what I am going through with TransUnion, XXXX and XXXX. \n\nTransUnion has violated and ignored so many laws and requirements I truly do not know where to start. As a result, it seems I am forced to do what Congress should be doing. \nI have just created my efile account with the Circuit Court in my County and will be filing a civil complaint for {$200000.00}, see attachment. I will be amending the complaint over the next few months requesting Class Action Certification and unlike these law firms who are simply looking to a quick buck ; There will be no Settlement! In an effort to protect family members, friends, relatives and all potential victims, I want full discovery to expose the egregious and criminal policies the Credit Bureaus practice and a trail by my peers to decide their fate. \n\nThe responsible-corporate-officer doctrine provides that a defendant may be guilty if he or she had, by reason of his [ or her ] position in the corporation, responsibility and authority either to prevent in the first instance, or promptly to correct, the alleged violations of law. United States v. XXXX, XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ). Notably, the law does not require a corporate officer to be aware of wrongdoing within the company. Instead, the officer is culpable simply because he or she had the authority either to prevent or to remedy the criminal violation 1st draft of my Civil complaint currently claims the following : Breach of Contract Violation of the FCRA Personal injury charge, Fraud and criminal claims against the CEO XXXX XXXX TransUnion Continues to deceive consumers who buy memberships. I have a TransUnion Membership and although TransUnion claims the information I am paying for is the most up to date, I can assure you and emphatically prove it is not. \nTransUnion recently settled with the CFPB and paid a XXXX XXXX fine for deceiving consumers who pay for their credit scores. Yet they continue to provide inaccurate credit scores, therefore TransUnion is in breach of that agreement. \nTransUnion is currently facing several Class actions all claiming violations of the FCRA. In each class action claim TransUnion has failed to improve the manner of how they investigate consumer claims and has failed to implement steps to assure more accurate reporting of consumer information. These steps were requirements in every case TransUnion settled. \nJust look at the recent class actions settled in the last few months : XXXX XXXX fine for XXXX and wrongly tagging people as XXXX XXXX XXXX fine for deceiving consumers about the usefulness and cost of credit scores they bought. \nXXXX XXXX violating the Fair Credit Reporting Act and various state laws by failing to take reasonable steps to ensure accuracy in reporting debts discharged in bankruptcy. \n\n*There are literally over a dozen new lawsuits filed in XX/XX/XXXX and many more being prepared to file for XX/XX/XXXX. The Credit Bureaus by far are the top 5 complaints by consumers and regardless of how many lawsuits or what the requirements are, transUnion, XXXX and XXXX deliberately continue the same or similar policies The practice of Credit Bureaus operating in the private sector as a for profit industry MUST end. The gathering of personal credit information is a national security issue, breaches of this information is an imminent threat that jeopardizes the security of America. \n\nThe Credit Bureau industry as a for profit Business MUST end, the information the bureaus collect is far too sensitive and they have demonstrated an inability to protect our information, an unwillingness to place the proper safeguards and policies as required for accuracy. Think about this for a moment ... what other industry or business has the ability to destroy an individuals life? With the power to determine every aspect of your life ; Where you live, where you can work, what you can afford, etc.. and they have proven far too many times to be indifferent towards the lives they destroy, How many times must the Credit Bureaus be sued for the same reckless and egregious behavior. Count all the settlements and sanctions and look where we are. \n\nAdditionally, the information the Credit bureaus possess on individuals should be considered a National Security risk, they have private information on our Senators, Representatives, Judges, Military, FBI member 's, etc ... This must be a government run industry. I will be sending letters to Congress and publishing articles online, in blogs etc.. to get this idea out there and see the publics response.","date_sent_to_company":"2017-12-13T09:39:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48322","tags":null,"has_narrative":true,"complaint_id":"2753472","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-12-13T04:31:47.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Reason # 1 From a reliable source : XXXX may <em>have</em> <em>been</em> responsible for the XXXX <em>hack</em>, if this is true. They can identify employees in every govt and corporate industry who may be vulnerable to blackmail or bribes. We must end the for profit Credit Bureau industry and place it in the hands of our Government to allow them to protect this highly valuable personal information from XXXX and Countries who would use it to infiltrate our most classified information."]},"sort":[8.974529,"2753472"]},{"_index":"complaint-public-v1","_id":"5322137","_score":8.787617,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I began being on hold with my cell phone at 45 % it is currently at 6 % and typically they hang up on me or my battery will die prior to getting any service I have been on hold now for over XXXX Minutes and I have check payday loans that I have to her and I have a house note that I have to pay housing I have electricity yet I have to have medically I have water that I have to pay I have groceries that I have to pay and if I don't pay a payday loan they charge me extra if I don't pay my house note they charge me extra and the whole point of being on social security for all those basic that I just meant that you're on a fixed budget these people can not afford to mess up what do not look forward to take the longest break possible because it's inhumane treatment. Is malfeasance in office. It's a failure for duty to care. I have filled out this Consumer Protection Bureau report wow I have been on hold wish they have a general time frame on how long it even takes to complete this form. I have been on hold and abusively mystery by Direct Express. If I'm unable to use my card and I can not pay for food housing Transportation water electricity payday loans then it appears that I'm committing a crime and I am not. It is bad enough that they have already released all mentally ill people and all expiring from the prison that have signed me up for checks all over the United States and I have not signed up for a checking account but they write me up for checking accounts and credit union account and I have never signed up for such. So now by a legitimate business and without any other body out nobody else to help me nobody else to give me money nobody else to pay my bills no saying you could have a savings for such mishaps with the federal government from their bad contractual service and I believe that they the Gators against on this because they're causing harm and it can make me homeless it can make me XXXX it can make me suffer in pain from having not having access to my friends. Security of having to answer all three questions in my PIN number I text me an address every account that I can have because their stuff has all my information. Because of government is hiring such people as well it's a security risk. It's bad enough when you walk into a store they can read your card when you go to the double doors and there's no security either so I need help can't get any money I can't go to the welfare office because it meant to say you have money on your card. XXXX. Direct Express XXXX Direct Express is a service market for the US Department of Treasury to Comerica Bank however it is a independent business add the treasury explain to me with no competitors. I have {$20.00} or more missing off of my card sometimes sometimes up to {$100.00} for {$200.00} I'll add my complaint and when I make my complaint they mail it back later checking into it and stated that was as a result I got my refund just because they took the complaint and gave me a notice that they had received it. Today is XX/XX/2022 and I was on hold XX/XX/XXXX for XXXX hours and on XX/XX/2022 and then on hold for her they say minimum of XXXX minutes and I'm still on hold. The problem is that they when they confirm I called when the staff answers they ask for my card number they ask for my PIN number and I am not able to use my pain I feel like it is a breach of security for them to ask me my PIN number which defeats the whole purpose of security and violate my privacy. They also when they send me a new card like the card for this month I'm just unable to use it I have to call them to tell them my PIN number to register it and it's not because the car is not working they have always been like this. They transferred my card from the other initial card number telephone number and I am a healthy mentally and emotionally person I have a physical injury and other people that I know that have physical XXXX we were all on one card and they separated my card and they were not supposed to. Don't let it ruin the issue is they asked me for my PIN number on calling in to talk about whatever number to the issue is when I get a new card the tell me to call them to register a new number and I lost my card and don't let me use it if it's problem number XXXX and tell me to call them to give them my PIN number it is not a hacker is that you direct express staff. Number for as a result I have been having a problem with him and I'm not able to withdraw money to eat to have transportation heat water electricity and to pay my bills and I have no other source of income due to my health and I have a check payday rooms and stuff like that and how do you pay for and they don't answer the phone line it seems that your attitude is your unemployed and unemployable anyway so we'll make you wait from XXXX minutes to a few hours and then often time I had to call right back for the same issue for it has not been handled. I already called them on this issue she said she reset my card and that I should be able to punch in a PIN number and use my card and I'm not able to. For the fact that they have so many people using my voice change where they can change their voice different dialects your people rate in the XXXX that are scamming people for their cars and I have a problem with this that no one 's doing anything about it to just type the FDIC or the FCC dispose listen to radio Transmissions is not paying attention to those people that are using software to change your voice is in the XXXX. XXXX problems","date_sent_to_company":"2022-03-14T22:52:21.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"5322137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2022-03-14T22:27:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem using the card to withdraw money from an ATM"},"highlight":{"complaint_what_happened":["Security of <em>having</em> to answer all <em>three</em> questions in my PIN number I text me an address every account that I can <em>have</em> because their stuff has all my information. Because of government is hiring such people as well it's a security <em>risk</em>. It's bad enough when you walk into a store they can read your card when you go to the double doors and there's no security either so I need help can't get any money I can't go to the welfare office because it meant to say you <em>have</em> money on your card. XXXX."]},"sort":[8.787617,"5322137"]},{"_index":"complaint-public-v1","_id":"18867375","_score":8.707445,"_source":{"product":"Checking or savings account","complaint_what_happened":"I first opened my accounts with US Bank in XXXX of XXXX. I opened a checking and a savings account. I now have a checking, savings, two credit cards, and two loans with US Bank and I am a loyal customer. \n\nThat is why it was a shock to me when all the sudden I could not transfer money into my savings account from my checking account. I then called on XX/XX/XXXX to find out the savings was closed, but they would not provide me with any other information. Then on XX/XX/XXXX I found out my Checking account was closed, again without notice. The only way I realized something had happened was because I could no longer log into my account on the app. This had me so upset because in my account there is currently more money than I usually have. \n\nDue to medical issues, my parents started a XXXX to collect money to help them pay their mortgage so that they do not lose the house. Some of our family and friends donated via XXXX instead of on XXXX, hence the reason I had {$8600.00} in the account. My parents will lose their home if they can not pay what is past due on the mortgage by XX/XX/XXXX. This is a harsh reality that just got even worse because now I have no access to the money in my checking until US Bank finishes their closure of the account. They said all transactions and transfers will not work, and I have tried everything, I even spoke to a supervisor to be able to just transfer the money to another account. We literally don't have the 90 days to wait for the cashier 's check from US Bank, we need the money ASAP! They are refusing to help me and this could cost my family their home now. I do not understand why they can withhold my money from me. \n\nIf I had to assume why they closed my accounts and are terminating the relationship I have with them I would assume that it is because I have dealt with and been the victim of a ton of fraud this past year. I will explain the past year of events below. \n\nTIMELINE OF EVENTS : I then unfortunately had my bag stolen downtown on the train in XXXX that contained several of my cards, including my password book, and my drivers license. The police report number for this incident is XXXX. Approved by XXXX XXXX XXXX ( XX/XX/XXXX ). I knew the cards and license could be replaced, but the most concerning thing was the password notebook. I began changing all my passwords that I could think of in hopes that I would stop the thief from getting into my accounts. I had some issues with unknown transactions on my account, and I began the process of reporting the transactions, but other than that all was well. What happened after this is totally unrelated, it just happened to happen in the same year. \n\nUnfortunately, the next several months were a nightmare because little did I know, a mobile game my nephew was playing on my phone gave my phone a virus. I can't even be mad at him because he didn't know or understand what happened, but that single virus de-railed my life and my finances for months to come. \n\nXXXX THROUGH THE END OF XXXX : Starting back in XXXX I began to get a ton of spam calls and emails. I never engaged with any of them. Then little by little, each one of my accounts and cards was attacked on various weird websites. It was driving me crazy because I would call and report the charges, those cards would be cancelled, and then I thought that would be the end of it. Then even with the new card information there was still ongoing fraudulent transactions. I was baffled and had no idea how someone was able to keep doing this, regardless of what bank, regardless of getting new card numbers. I changed passwords, I set up extra notifications and alerts. I couldn't figure out how this kept happening. At one point there were even transactions made using a new debit account number that I hadn't even received in the mail yet! ( US Bank shares full card information on the app when requested, which I assume is how the thief got it ).\n\nI originally thought that it had to be related to the time when my backpack was stolen in XXXX of XXXX, ( XXXX XXXX - Police Report XXXX ) but I now know that my backpack/wallet being stolen was not related to this case, just coincidentally only a few months prior to this fraud happening. I had new evidence that the culprit was on my phone hiding in plain sight and submitted this to US Bank and any other credit card companies that were affected by this. \n\nIn the midst of all this I was also notified by XXXX XXXX monitoring of a new credit card account being opened in my name with XXXX XXXX. Someone stole my identity and or was impersonating me and opened this XXXX XXXX credit card in my name and spent like {$800.00} worth of stuff on the card by the time I realized. I reported this to the XXXX credit bureaus and soon it was resolved in my favor and the account was closed. I have attached the proof of this as well. \n\nA US Bank agent I spoke to on the phone on XX/XX/XXXX when I was calling to report fraudulent transactions, had some great insight. He suggested that the only common denominator across all accounts and cards would be my phone. He suggested that maybe there was something going on with my phone, a virus, or a breach of security with my IP address and/or phone number. Of course, why hadnt I thought of this! \n\nI took my phone to XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and again on XX/XX/XXXX to have them troubleshoot a possible virus or malware that could have been tracking my \" finger movements '' and screen on my phone. They told me that they could not remove or look for a virus for me but they could provide me with the tools to do so myself. They helped me to install XXXX XXXX XXXX and monitoring, as well XXXX XXXX XXXX XXXX to locate any suspicious activity, malware, viruses, or suspicious files. \n\nAfter subscribing to the paid version of XXXX XXXX for added protection, sure enough these XXXX programs helped me find what I think was the XXXX XXXX It was a file downloaded that was used as a XXXX  XXXX, it appeared to be my apartment lease document from the name of the file, but after further inspection it could not be opened without the phone crashing. It is common that these kinds of viruses can allow hackers to mirror and steal information stored or viewed while using the phone. I dont fully understand the mechanics of it, but XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  were certain that it was plausible that my data was breached through this method of virus. I also filed a new police report number XXXX - Approved by XXXX XXXX XXXX ( XX/XX/XXXX ), and a supplemental report once I knew about the virus which was report on XX/XX/XXXX. The XXXX report shares the same number of XXXX but contains the additional information regarding the virus and the XXXX XXXX  Credit Card identity fraud. \n\nOn XX/XX/XXXX I took my phone to my coworker who is a software engineer, to assist me in safely wiping my phone clean of this virus using XXXX XXXX and other measures they were aware of. After seeing her twice we finally got rid of the virus on XX/XX/XXXX ( So we thought ) I was so happy because I felt like I finally figured it all out, and I shared the findings with my bank to aid in the investigation. I still can't believe my phone had a virus and I had no idea! How scary! ( We did later figure out in XXXX of XXXX that the virus was somehow still active and stealing my information. I was livid! ) On XX/XX/XXXX I backed up my important photos and such and did a total factory reset to wipe the phone clean for good. This was of course a last resort because I did not want to have to \" restart '' with adding my photos back in, contacts, messages, etc, but I had no other option seeing that the virus was immune to all other methods of removal. \n\nI am also fully aware that its possible the virus had nothing to do with it and instead my data was breached some other way. I was the victim of at least three data breaches that I am aware of so that didn't help in terms of my risk. Again, I am not an investigator, I am just trying to express all the ways this could have happened and explain the terrible luck I had over the past year. Data breaches I was involved in are the XXXX XXXX XXXX XXXX and XXXX separate XXXX XXXX XXXX breaches. I have attached proof that I was a victim in these breaches. This could have exposed my SSN, and other identifying information. \n\nOut of all of the fraud and dispute cases I had to raise due to all of thisXXXX XXXX XXXX did a great job of investigating and resolving the cases/claims in my favor, which is honestly another reason why I do not understand the account closure. If they truly thought, I was the culprit they would have denied the cases/claims. I never had any suspicion that they would eventually be closing my accounts due to all of this. It was a shock to me when my saving account was closed without notice or warning on XX/XX/XXXX. I called XXXX separate times trying to get an explanation and all they could tell me was that they were terminating their relationship with me and all of my accounts. They claim a letter is in the mail including an explanation of why they decided this and also contains a check for the money that was in my savings at the time of closure. It's been XXXX business days though and I still don't have it. \n\nMind you, because I didn't have that money in my savings, I was unable to pay my rent on time, leading to a {$75.00} XXXX  late fee. Again, this was a huge inconvenience because not only did they close my account, but they were also holding onto my money, over {$600.00} worth while the check went through the mail and still hasn't arrived! This was a major inconvenience. Now with the checking account being closed, I might not be able to help my parents save their home from foreclosure if US Bank delays sending me the cashiers check before the 90 days. I literally have 1 month to get that money back or my family is homeless. \n\nAll in all, I have had a rough year when it comes to being the victim of fraud, and honestly just unfortunate events. I can understand why US Bank would view this plethora of events and suspect that I am not a safe banker, but I seriously have just had bad luck and a phone virus. I am a good person, an honest worker, and a great loyal customer. \n\nI would really like the chance to prove what has happened to me over the last few years. I finally know why I was a victim of fraud so many times and can prove that I am no longer a liability or risk to US Bank. Not only did I start the year with Because I was the victim of not one but four different data breach incidents, I now have extra protection on my accounts. I have XXXX XXXX XXXX XXXX to protect my financial assets and identity. This provides me with financial transaction monitoring, bureau credit monitoring, monthly credit score and tracker, bank account monitoring, high risk transaction monitoring, real-time authentication alerts, Identity monitoring, home title monitoring, dark web monitoring, address change monitoring, security freeze assistance, lost wallet protection, spend tracking, victim assistance, and {>= $1,000,000} comprehensive identity theft insurance. \n\nI hope that US Bank can reverse their closing of my accounts or allow me to create new accounts with them. US Bank is the best bank I have ever had, and I have had nothing but good things to say about them since opening my account in XXXX of XXXX. Even the support people wanted to help me but were confined within their policies. I submitted a complaint in as many ways possible in hopes that someone would be able to help me get the money back. Honestly if I can't get the accounts back, I will take that loss, I just need my money back now so that my family doesn't lose their home. \n\nI am really looking to US Bank to make right by this and re-instate my accounts or allow me to open new accounts. I also really hope to keep my other accounts at US Bank. I am willing to send in any documents or information necessary for US Bank to review in order to make a decision.","date_sent_to_company":"2026-01-20T19:45:34.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"60657","tags":null,"has_narrative":true,"complaint_id":"18867375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-01-20T19:04:33.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["This was of course a last resort because I did not want to <em>have</em> to \" restart '' with adding my photos back in, contacts, messages, etc, but I had no other option seeing that the virus was immune to all other methods of removal. \n\nI am also fully aware that its possible the virus had nothing to do with it and instead my data was <em>breached</em> some other way. I was the victim of at least <em>three</em> data <em>breaches</em> that I am aware of so that didn't help in terms of my <em>risk</em>."]},"sort":[8.707445,"18867375"]},{"_index":"complaint-public-v1","_id":"5898782","_score":8.631649,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW., Washington , DC 20552 XX/XX/XXXX This is to complain against the Coinbase. \nURGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Coinbase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Coinbase. \nIn order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. \nIt is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. \nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. \nDuring the complaints process with Coinbase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. \nThey are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. \nGeneral Obligation : About XX/XX/XXXX, I fell victim to two multi-layered scam operations run by Hackers which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ). \nWhen determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( XXXX ) in question despite being aware of the nature of the transaction ( XXXX ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me. \nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. \nIn providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Coinbase must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. \nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. \nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Coinbase did not foresee the fraud and disregarded even the most obvious dangers in this respect. \nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past. \nCoinbases Position : On XX/XX/XXXX, Coinbase wrote in a letter Unfortunately, due to the technical nature of most digital currency networks, we are unable to cancel these payments and we are unable to mediate in any way in this matter. Digital currency transactions can not be reversed or canceled on the blockchain, it is important to be careful and make sure you trust everyone you send digital currency to and allow access to your computer. Coinbase also has no knowledge of the ownership of external cryptocurrency addresses, and since this is an external process, Coinbase can not reverse, cancel, transfer, or refund these funds on your behalf. \nRefuting Coinbases arguments from a purely logical perspective : Coinbases position is that the features of the situation at hand do not generate a genuine obligation to protect innocent and helpless victims ; they are essentially arguing that common- sense-based approaches are doomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful choice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves even though ample evidence has been offered in support of this complaint. \nIn Coinbases view, it is implied that we should not home in ( and consequently rely ) on unwritten laws, practicality, good judgement, reasonableness, sharpness, sensibleness, past outcomes, and insight, when taking appropriate precautions. To underscore, once again, such views are at odds with common sense and are wildly irresponsible. \nXXXX a view according to which the XXXX and only thing that can make Coinbase morally obligated to do something is having it written down somewhere. Pursuant to this view, if Coinbase encounter the suffering of totally naive victims, they are only obligated to intervene in or remedy the situation, to the degree required by written material. This is unbecoming for a reputable establishment such as Coinbase. \nI have reviewed the material hereto sent by Coinbase carefully, and it unfortunately provides no response to my fundamental argument concerning the degree of care. Given its size, influence, and the resources at its disposal, this establishment clearly had a far greater capacity than an individual such as myself had, to determine the level and likelihood of risk that a client such as myself is subjected to and had a duty to intervene as they now do to query in particular out-of- pattern transactions of this kind. \nIt is perfectly obvious that Coinbase, inadvertently, employs a subtle approach in addressing some of the key questions in a manner which neither provides me with adequate support nor protects anything other than its own interests. \nIt is Coinbase here, who has the burden of proof, to show that it has exercised the duty of care, that is to say, that Coinbase adhered to a standard of reasonable care in relation to the matter at issue given its extensive experience compared to mine. It is Coinbase that claims that the damages which I have suffered in connection to this matter have not been reasonably foreseeable, and that my proposed degree of care is not, and has not been, commensurate with Coinbases capacity, experience, expertise, or scope of services in any way. To reemphasize, Coinbases indisputable overriding purpose is by no means to purely execute transactions in a blind and blank fashion, but rather to strike a balance between executing those transactions and capitalising on its undeniably vast capabilities to protect consumers thereby enhancing market integrity. \nApropos of the fluidity of the concept of reasonableness, all Coinbase has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience. \nCoinbase is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is : particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected. \nThere are some recommendations to organisations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognise customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimise financial harm. \nThese recommendations are established as a general principle, the organisation should deliver a service that : XXXX ) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organisations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorised and unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organisation : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple cheque books; b. sudden increased spending ; XXXX transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. \ng. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. financial activity that matches a known method of fraud or financial abuse. \nB ) organisations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action. \nCoinbase are yet to show, or otherwise provide me with, a compelling argument that their wide- ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which requiring their involvement has not only been pressingly relevant but also eminently reasonable and well-justified. \nRather than empathising with and undertaking substantial efforts to convey their knowledge of the existence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of consumers who have been cheated out of their money and whose role in society is properly fulfilled, positively contributing to local economic growth, development and sustainability Coinbase adopts a rather insouciant attitude toward my financial predicament portrayed herein. \nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by Coinbase in relation to this matter. I have also thoroughly detailed why they can not simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self- interest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status-quo that is corrupting our society at its core. \nConclusion : Based on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices.\n\nAstonishingly, I am pondering how it is that, despite being shown that Coinbases business conduct was insufficient insofar as background checks are concerned, they keep refuting their indisputable role and responsibility in connection with the matter herein discussed. The points that I have hitherto made are too crucial to be taken lightly. Coinbases non-observance of the fundamental principles of justice that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself. \nIf it was, indeed, solely my responsibility, we must then believe at least one of the following clauses : a ) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b ) the fraud in question was not reasonably foreseeable, or c ) the transactions in question were not sufficiently alarming. It is extremely unfortunate that Coinbase pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary. \nIn summary, I respectively ask your organisation to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. \nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. \nThank you.","date_sent_to_company":"2022-08-19T16:15:00.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"38111","tags":"Older American","has_narrative":true,"complaint_id":"5898782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-08-19T16:07:53.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is Coinbase that claims that the damages which I <em>have</em> suffered in connection to this matter <em>have</em> not <em>been</em> reasonably foreseeable, and that my proposed degree of care is not, and has not <em>been</em>, commensurate with Coinbases capacity, experience, expertise, or scope of services in any way."]},"sort":[8.631649,"5898782"]},{"_index":"complaint-public-v1","_id":"4360450","_score":8.254668,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I. RELEVANT FACTS On the morning of Thursday, XX/XX/XXXX, I was a guest at the XXXX XXXX XXXX in XXXX and accessed the XXXX XXXX identified at reception as secure and reserved for guests. At XXXX XXXX  I received a phone call and a male identified himself as an agent with Chases fraud department. He informed me that Chase identified suspicious activity involving my business debit card ending in XXXX. To authenticate his affiliation with Chase he provided me my Chase login ID, date of birth, and address. He then asked if I received a text message from Chase. I checked my phone and discovered a text inquiring about a purchase at XXXX and listing the last four digits of my business debit card. The Chase agent asked whether I had authorized that transaction and three other transactions which allegedly were made in New York City at XXXX, XXXX, and XXXX XXXX. I informed him that none of the aforementioned transactions were authorized. Being cautious, I cross-referenced the incoming phone number, XXXX. It matched the number on the back of my business debit card as well as the number provided on Chases website for existing business customers ( XXXX ) : https : //www.chase.com/business/contact-us. As an additional prophylactic measure, I also ran a malware scan on my laptop with my XXXX XXXX antivirus software and nothing was detected. \n\nI quickly logged in to Chase online banking to see if any of the fraudulent charges had posted. While logged in, I noticed an inter-account transfer that I had not performed. I expressed my alarm and the Chase agent informed that the fraud team was working to ensure all accounts were restored to the status prior to the compromise. He further informed that Chase would need to deactivate my business debit card and lock me out of my accounts so they could locate the perpetrator. As I had timed out from Chase online banking due to inactivity, I tried to log back in and I was indeed locked out. Notably, no e-mail from Chase was delivered confirming that my ID or password had been changed. While I rarely change my ID or password, on the occasions I have done so I consistently received an alert from Chase confirming a change has been made. The lack of notification reassured me that my accounts have been securely locked by legitimate Chase personnel and not a fraudster. \n\nTo reverse the fraudulent debit card charges, the Chase agent informed that pins would be delivered via text and I would need to provide one for each fraudulent transaction. I am on the phone with the Chase agent for approximately one hour during which time three pins are delivered and relayed. Thereafter I had to terminate the call to check out of the hotel. Before departing the hotel, I asked to speak to the manager and informed her that the guest network may not be secure. I reported that no damages had been suffered as Chase detected the fraudulent activity. \n\nI was scheduled to have lunch with my sister and niece and activated the Do Not Disturb feature on my XXXX. After departing lunch, I deactivated the feature and almost immediately received a call from the same Chase number. The same agent I spoke with in the morning informs he requires a fourth pin to reverse the last fraudulent debit card transaction and that arrives via text instantaneously. I provided it and then commenced driving home to XXXX. \n\nOn the morning of Friday, XX/XX/XXXX, I identify an e-mail notification from Chase informing that Chase approved a wire transfer from my business account for {$19000.00} payable to a stranger : XXXX XXXX. That denomination is almost triple the amount that was in the business account the day prior, signaling that funds had been withdrawn from multiple personal accounts and consolidated in my business account. This is an aberration as I do not comingle personal and business funds in my business account in keeping with the terms provided by Chase to utilize business accounts strictly for nonpersonal purposes. Online transfers are not frequent and when made constitue withdraw funds from my business account and deposit them in my personal checking or savings as a salary. \n\nI immediately drove to the local Chase branch in XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I met with banker XXXX XXXX, who confirmed that Chase had indeed approved the wire transfer and it had cleared my account that morning. I reported that Chase should have declined the wire transfer request given the multiple instances of debit card fraud detected the day prior. XXXX XXXX accessed my account and did not identify any notes pertaining to debit card fraud. However, he informed that Chase flagged my business account for suspicious activity the morning of Thursday, XX/XX/XXXX. Despite flagging the account, XXXX XXXX informed that Chase made no attempt to contact me and apprise me of any risk. My husband XXXX XXXX joined us and for approximately three hours we worked with XXXX XXXX to try and recoup the funds. As part of the process, I complete the XXXX XXXX XXXX onsite and execute it before XXXX XXXX, a Chase employee and notary. XXXX XXXX reports that all formalities have been completed to file the claim and the assigned case number is reported to be # XXXX. Immediately upon departing the branch location, I further undertook all of the prescribed measures XXXX XXXX delineated, including but not limited to : filing a police report with the XXXX XXXX XXXX XXXX, filing a report with the Federal Trade Commission, placing security freezes with the three credit bureaus, re-running malware scans on my laptop and XXXX, and changing my password for my XXXX e-mail account. Lastly, XXXX XXXX instructed that I directly contact Chases fraud department to apprise them of the three additional instances of fraud, namely, the unauthorized transfers of funds from my personal checking, joint checking, and savings account to the business checking account. \n\nOn XX/XX/XXXX, after having addressed all other prerequisite tasks identified by XXXX XXXX, I contacted Chase to repot the three instances of fraud involving my personal accounts. The Chase agent with whom I spoke had no record of my case number. But, after relaying the facts and circumstances that culminated in the unauthorized wire transfer, the agent informed that only the wire transfer constituted fraud despite the fact that the online banking transfers were performed by a fraudster. The representative then recited all of the tasks that I had already undertook pursuant to XXXX XXXX guidance. \n\nOn the morning of Thursday, XX/XX/XXXX, a full week after the incident, I call Chase again to ascertain the status of my claim and anticipated arrival for the debit cards. The representative that I speak with again informed there is no record of any claim having been filed on my behalf. When I provide the aforementioned case number, the Chase representative again searches for the claim to no avail. Thereafter I drive directly to the local Chase branch. XXXX XXXX concedes that that the debit cards were not ordered and rectifies that oversight. He does, however, insist that the claim was promptly filed on XX/XX/XXXX and faxes me a copy of the XXXX XXXX XXXX. \n\nOn XXXX, XXXX, our Chase Private Client Manager, XXXX XXXX XXXX, facilitated a call with Chases fraud department in an attempt to expedite the processing of my claim and reimbursement of the fraudulently transferred funds. We were connected with a representative named XXXX XXXX XXXX XXXX asked for her full name and she declined to provide it XXXX. XXXX reported that the claim was initially misfiled on XX/XX/XXXX, but ultimately she was able to locate the relevant information. Per the records available to XXXX, Chase did indeed flag my business account for suspicious activity on the morning of Thursday, XX/XX/XXXX. And, in accordance with XXXX XXXX report, Chase never took any initiative to contact me to alert me of any possible risk. Per XXXX account, Chases records indicated that I called in directly to Chase requesting a wire transfer from my business account. And, when questioned as to the purpose of the transfer, the individual purporting to be me reported it was intended to be a birthday gift for my son. I informed XXXX that while I received multiple calls from a number affiliated with Chase, I did not make any outgoing calls to Chase, which my XXXX phone log supports. And, I do not have children. While neither XXXX nor her supervisor were ultimately able to provide assistance, it was invaluable to learn that the proffered justification of gifting tens of thousands from a business account for an expressly non-business purpose failed to raise any red flags with Chase. This reinforced several other red flags which Chase should have countenanced, including but not limited to : ( 1 ) my account was flagged for suspicious activity the very morning of the wire transfer request, ( 2 ) personal funds were drained from my personal checking, joint checking, and savings account and consolidated in my business account in an unprecedented manner that liquidated nearly all funds collectively held by Chase, and ( 3 ) I have never authorized any wire transfer from any account in the history of banking with Chase. \n\nOn XX/XX/XXXX, I received a call from XXXX XXXX, a manager overseeing the XXXX XXXX and XXXX XXXX  branches in XXXX, Texas. She regretfully informed that Chases fraud team reported that I will not be reimbursed the funds that were fraudulently transferred without authorization unless Chase could persuade XXXX  XXXX XXXX to reverse the wire transfer. XXXX XXXX made no mention of when that recall request to XXXX  XXXX XXXX was placed, but presumably it should have been dispatched on XX/XX/XXXX as I had reported the fraud within hours of the funds clearing. XXXX XXXX informed that the justification for denying my claim was owing to the fact that I was allegedly involved in the scam. I protested that I committed no wrongdoing and XXXX XXXX avowed to escalate the matter to Chases complaint escalation team. \n\nXXXX XXXX of Chases complaint escalation team contacted me on XX/XX/XXXX and we conferred on multiple occasions through XX/XX/XXXX. I informed him that I have consulted with an attorney and appreciate that Chase is responsible for reimbursing the lost funds under various legal theories including but not limited to the Electronic Funds Transfer Act ( EFTA ) and UCC Section 4A. I have also compiled substantial documentation to debunk any allegations that I was actively engaged in any fraudulent activities. XXXX XXXX regretfully reported on XX/XX/XXXX that the fraud team had once against declined my claim without reviewing any additional information or documentation I was willing to provide. XXXX XXXX informed that Chase could not recoup the fraudulently transferred funds owing to the unreasonable delay in requesting the recall which was not made until XX/XX/XXXX. He further suggested that I pursue the matter with law enforcement. My reaction was nothing short of incredulous. I reported the fraud in person at Chases XXXX XXXX branch within twenty-four hours of notification and within hours of the funds clearing, why had Chase not demanded a recall that same morning?. And, I had already engaged both local and federal law enforcement as evidenced by the XXXX XXXX and FTC reports to no avail. XXXX XXXX sympathized and avowed to escalate the matter to Chases executive fraud team. \n\nAs of this last conversation with XXXX XXXX on XX/XX/XXXX, it is abundantly clear that Chase breached its fiduciary duties on multiple occasions. First, Chase recklessly approved the wire transfer despite multiple red flags presented by way of an alert as to suspicious activity involving my business account followed by multiple unprecedent online transfers and a phone call requesting an unprecedent wire transfer purported to be a birthday gift for a son that does not exist. Secondly, post-transfer, Chase filed to timely process my claim and demand a recall from XXXX  XXXX XXXX despite being notified that the wire transfer was fraudulent within twenty-four hours of notification and hours after the funds had cleared. Time was of the essence and only Chase, not I, was in a position to identify the banking institution to which the funds were transferred and immediately make the request to reverse the transfer. \n\nII. LEGAL ANALYSIS A. Electronic Funds Transfer Account and Regulation E Federal Regulation E ( 12 CFR 205.6 ) was issued by the Consumer Financial Protection Bureau ( CFPB ) pursuant to EFTA and applies to electronic funds transfers involving personal banking accounts. Qualifying accounts include [ c ] hecking, savings, or other consumer asset account [ s ] held by a financial institution ( directly or indirectly ), including certain club accounts, established primarily for personal, family, or household purposes. An electronic funds transfer ( EFT ) constitutes a transfer of funds initiated through an electronic terminal, telephone, computer ( including on-line banking ) And an unauthorized electronic funds transfer constitutes an EFT from a consumers account initiated by a person other than the consumer without authority to initiate the transfer and from which the consumer received no benefit. \n\nEach of the three personal accounts that I maintained with Chase which were compromised qualify under EFTA, namely, my personal checking, joint checking, and personal savings. And the three transfers from each of these account to my business checking account within hours of the wire transfer request, presumably performed via online banking by the fraudster, constitute EFTs. And, given the fact that I did not authorize the initiation of any one of these transfers nor benefited from the transfer, they are deemed unauthorized under EFTA. The fact that a third party other than myself performed these transfers is verifiable. As reported herein, I was locked out of my account during the span of my conference with the purported Chase agent between XXXX and XXXX CST. Whether Chase locked me out or a fraudster reset my password is not readily discernable. However, Chase should have a record of my attempt to log in during that interim and my ID and password were rejected. Thus, I I had no capacity to transfer funds nor the capability to monitor and report to Chase. \n\nRegarding a consumers responsibility to report an unauthorized EFT, Regulation E provides that in the case of [ u ] nauthorized transfer ( s ) not involving loss or theft of an access device, a consumer should report the incident [ w ] ithin 60 calendar days after transmittal of the periodic statement on which the unauthorized transfer appears. In such instances, there is [ n ] o liability for the consumer.\n\nUnlike other banking institutions, Chase does not issue fobs or other access devices for the purposes of securing wire transfers. Thus, this is an instance in which no device was lost or stolen. And, as aforementioned, the fraudulent transfers from all three personal accounts were fraudulent and unauthorized. There can be no refuting that the fraud was timely reported as I was physically present at the XXXX XXXX Chase branch within twenty-four hours of notification of the fraudulent and unauthorized wire transfer as supported by the notarized XXXX XXXX XXXX and undoubtedly surveillance cameras. \n\nBased on the foregoing facts and pursuant to Regulation E, Chase is liable at a minimum for the unauthorized and fraudulent transfers from personal accounts which collectively amount to XXXX  XXXX and XXXX XXXX dollars ( {$11000.00} XXXX. \n\nB. Uniform Commercial Code Article 4A ( also known as Division 11 ) Unlike EFTA which governs EFTs involving personal accounts, Uniform Commercial Code ( UCC ) Article 4A applies to customers commercial business accounts. UCC Article 4A provides that a receiving bank ( the bank that receives wire instructions from a sender ) ordinarily bears the risk of loss of any unauthorized wire transfer. However, unlike Regulation E, the risk of loss may be shifted to the customer under certain circumstances.\n\nCustomers are most vulnerable to assuming liability for any loss due to a fraudulent wire transfer under UCC Section 11202 ( b ). The framework of Section 11202 ( b ) involves two-steps. First, the financial institution must prove that the institution and customer agreed upon certain anti-fraud security procedures which constitute a commercially reasonable method of providing security against unauthorized payment orders. Whether a particular security procedure is commercially reasonable is a question of law to be determined by considering the customers stated expectations, the customers known needs, alternative security procedures offered, and security procedures used by similarly situated banks and customers. Cal. U. Com. Code 11202 ( c ). Second, the financial institution must prove [ ] that it accepted the payment order in good faith and in compliance with the security procedure and any written agreement or instruction of the customer restricting acceptance of payment orders issued in the name of the customer. Cal. U. Com. Code 11202 ( b ). \n\nThere is ample case law detailing the evidentiary showing a bank must demonstrate to shift the loss to the customer. And, as we have retained an attorney, we will rely on the expertise of counsel in this arena to cite the appropriate authority. However, to summarize our understanding, Chase failed to make an adequate showing in the instant case because it failed to act in good faith when it accepted the wire transfer request. Courts look to circumstantial evidence when analyzing whether a banking institution acted in good faith. Taken into consideration are factors such as the customers election of ( 1 ) security protocol, ( 2 ) the reasonability of the request in light of the customers established pattern of transactions, and ( 3 ) and other facts which should alert the receiving bank as to prospectively fraudulent activity. \nHere, to the extent any anti-fraud security protocol was established, I passively accepted the terms when I opened my business checking account. And, based on ample due diligence and discussions with counsel, Chases dual authorization protocol is the bare minimum industry-wide requiring only a password and pin codes. So, if an XXXX was stolen there would be very low barriers to prevent a fraudulent wire transfer from occurring. Had I known the risk, I would have proactively negotiated for more strict and appropriate security measures. \n\nSecondly, and most notably, a review of my banking history would reveal that I have never authorized a wire transfer since the day I commenced banking with Chase. This should have been the most glaring red flag that prompted Chase to electively heighten security protocol requiring either an in-branch authorization or, at a minimum, to proactively attempt to contact me rather than passively rely on the incoming communications of a fraudster. \n\nLastly, the circumstances preceding the approval of the wire transfer overwhelmingly suggest that any Chase agent receiving the unprecedented request should have declined. Initially, the very account from where the funds were being transferred was flagged internally that morning for suspicious activity. Secondly, Chase did not independently contact me and relied on incoming and unverifiable calls. Third, there was a change in password that morning and at least one attempt by myself to access the account which was rejected, suggesting multiple entities were attempting to access the account. Fourth, never in the history of banking with Chase has three independent online transfers occurred from each of my personal accounts. Fifth, in contravention of Chases own protocol for business accounts, the fraudster proffered the justification that the alarmingly large wire transfer was intended as a birthday gift. And, lastly, the denomination requested constituted a veritable liquidation of all funds held by Chase which should be an anomaly for any customer. \n\nBased on the foregoing facts, Chase acted recklessly and without good faith in approving the unauthorized and fraudulent wire transfer request and should be liable for the resulting loss. \n\nC. Failure to Mitigate As aforementioned, the fraudulent and unauthorized wire transfer was reported in-person at the earliest opportunity to XXXX XXXX at the XXXX XXXX Chase branch. Thereafter, I diligently pursued updates on the status of the claim that was timely filed. Regrettably, as has been repeatedly disclosed by various Chase agents, both the claim and the request for a recall were mishandled and/or inexcusably delayed. Regardless of any conclusions under Regulation E and UCC Article 4A Chase that Chase bears liability for the fraudulent wire transfer, Chase was in the best position to mitigate the loss by promptly recalling the wire transfer and negotiating the reimbursement of funds with XXXX XXXX XXXX. To the extent that Chase repeatedly failed in fulfilling its fiduciary duty to try and recoup the lost funds, it should bear the brunt of the loss. should D. Unclean Hands A robust review of the facts and conferences with Chase agents subsequent to the loss suggest that an active Chase employee acted in concert, or aided and abetted, the fraudulent principal ( s ). This is not merely owing to the incoming calls on XX/XX/XXXX from a Chase-affiliated phone number nor the perfectly orchestrated delivery timing of the pin codes. Most remarkable is the fact that I was locked out of my account, which multiple Chase agents insist was not effectuated by Chase. If it had indeed been a fraudster who merely accessed my ID and password, I would have been alerted via e-mail or text when either were changed to lock me out. Even if said fraudster had hacked into my e-mail account, the incoming notification from Chase would have registered on my laptop, XXXX, or XXXX watch before it was deleted. \n\nAnd due diligence suggests that this concept should not be foreign to Chase as there have been multiple federal indictments of employees of banking institutions who have been charge with aiding and abetting embezzlement in the past several years. \n\nIII. CONCLUSION Based on the foregoing, we are requesting that Chases executive fraud team find that I am not at fault for any the loss owing to the unauthorized wire transfer and promptly reimburse the {$19000.00} that Chase recklessly approved without justification.","date_sent_to_company":"2021-05-07T22:56:31.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"4360450","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-05-07T22:43:29.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If it had indeed <em>been</em> a fraudster who merely accessed my ID and password, I would <em>have</em> <em>been</em> alerted via e-mail or text when either were changed to lock me out. Even if said fraudster had <em>hacked</em> into my e-mail account, the incoming notification from Chase would <em>have</em> registered on my laptop, XXXX, or XXXX watch before it was deleted."]},"sort":[8.254668,"4360450"]},{"_index":"complaint-public-v1","_id":"3242274","_score":7.901796,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX [ XXXX, GA XXXX XX/XX/XXXX Fraud Department Navy Federal Credit Union ( NFCU ) XXXX XXXX XXXX XXXX VA XXXX  Dear Fraud Department : I am writing to appeal the decision to not allow me to have a debit card for my accounts. I did one Via Secure Messenger however, I am trying to allow NFCU to do the right thing in this situation. \n\nOn Wednesday, XX/XX/XXXX that my debit card for my account was no longer usable for a year. This didnt phase me because I had already made it known that the account should be closed. So on XX/XX/XXXX I called NFCU and spoke with a customer service department. After asking about when my account would be closed? I was told that day XXXX, XXXX XXXX. 1st lie. I then brought up the letter about my debit card I asked to make sure everything else was okay with the other debit cards. She checked at told me it was only for the card to the account I was closing. We talked a few minutes about ID THEFT because we both had been through this issue, Although she admitted my situation was far worse. I asked again to make sure all my other cards were working and safe to be used from their end. She assured me again checking other accounts that it was a block for only that card. After that, she told me they send those letters out when someone is closing an account after only having it opened a short time. I told her I understood that but, that with the fraudulent charges on that account it was what NFCU recommended that I do. She told me that would be the way to deal with it. As she was looking up my account she saw that I had been issued 15 debit cards to 4 accounts. I told her yes it was because every single time I opened a new account it would have fraud issues. I told her I had spoken with all three credit unions, The FTC, State and Local law enforcement, XXXX and USPS, and The Social Security Administration. I explained XXXX had done a deep web search and found out all my information was out there for people to buy or sell. That was the reason my accounts were hacked they had my social security number. I told her when I was well enough to go into public places I would be applying for a New SSN. She told me that she would do the same. She then asked if my illness was ongoing I told her that I have been battling XXXX XXXX, XXXX, XXXX, and XXXX XXXX for about 7 years. That I was immune compromised so going into public places was always a high risk for me. She told me she hoped that the doctors would find answers. I said thats why Im asking to make sure my other debit card would work. She told me emphatically YES. So If you lost count that was four times in that conversation alone that I was told that my debit card would be just fine. \n\nLater that same day XX/XX/XXXX around XXXX XXXX I tried to purchase some OTC medication on XXXX and my card wouldnt work. I called NFCU again and spoke with a man who worked in the Fraud department what was going on with my debit card. He told me after looking at my account that everything was fine that my debit card was not blocked in any way. He said it was probably a glitch in the system. I asked if he was absolutely sure after I told him about the letter he assured me that the letter was strictly for the account I was closing. So I asked when the system glitch would be over. He said to give it an hour or so. I waited until around XXXX XXXX to try buying my medications on XXXX again and again my card was denied. So then I went to another website and tried my card on that site. Again my card was denied. At this point I was frustrated. I called NFCU again at around XXXX XXXX and was transferred to the fraud department again. I told them the glitch was still going on or there was something wrong with my card. This time I was told that my debit card to my new personal account had been canceled and I would no longer be able to have a single account card until XX/XX/XXXX. I asked why and was given the reason that I was in breach of my debit card agreement. Knowing this was not true I pulled out my agreement and read through each of the sections over the phone. When we got to number 10 it said they could cancel my cards at any time for any reason without telling me first. However, two other rules stated that NFCU will alert a member if there is a problem with their account. Since I had called in twice previously this was absolutely not okay with me. The man then told me to call back the next day and speak to a supervisor. I asked him why couldnt I just talk to one now since I was away from home getting treatment at the XXXX XXXX in Florida.   He said they were busy. I could tell this conversation was going nowhere so I agreed to call back the next day. \n\nSo to quickly summarize XX/XX/XXXX I was told my new debit card was fine and would continue to work six times. Then I was told that all cards in my name had been canceled until XX/XX/XXXX. I was told I couldnt speak to a supervisor given the reason they were canceled made NO sense at all. This was causing a lot of stress when I already told NFCU I had major XXXX issues. These problems were keeping me from being able to do the things I needed to do like pay for medications at XXXX, order new otc meds from XXXX, buy the other things I needed while away from home. My XXXX  told me that I am not to be under stress. Being lied to six times and not being able to fix the problem was beyond stressful to the point it was hurting me physically. \n\nXX/XX/XXXX I called back since that is what I was told to do. I asked to speak to a Fraud department supervisor and I was told that none were in the office until Monday, XX/XX/XXXX. I told them I was told by a Fraud department worker to call back on the XXXX. The customer service rep. ask me what the problem was. I told her what had happened. She said she couldnt do anything about my account or debit card because it was already with the fraud department. I said fine does my debit card for my joint account with my husband work? She said yes and the only way NFCU could cancel it would be if my husband asked for me to be taken off the account since he was the primary owner. That the fraud department or NFCU didnt cancel debit cards to joint accounts unless the owner wanted it. If they did so it would be in breach of contract. So I thought that well at least I could try to do things using that card. It was not a good solution however, it would give me access to my money. \n\nSo that day was a bust, for the most part, all that happened was the man on XX/XX/XXXX just wanted me off the line. Telling me to call on a Saturday when the Fraud department wasnt open. Finding out that the joint account card which I rarely touch because of how my family does banking would still be in use. So I have one working card better than nothing. \n\nMonday, XX/XX/XXXX I called NFCU bright and early at XXXX XXXX. I asked to speak with a Fraud department supervisor. I was told I would have to speak to a Fraud/Security team member first. Fine, So I was put on hold for seven minutes until a Fraud team member came on the line and asked me what my problem was. I explained about the debit card being closed without a reason as to why it was closed. I told them that I had been told 6 times that my card would not be closed and yet it was. I told the person that the only card I could use was to the joint account and that didnt work well for me. I was placed on a brief hold ( 16 minutes ) the rep came back on the line and said yes all cards had been canceled and the decision would not be reversed to just use the joint account. So I asked if the joint account card would work. I was again told unless my husband the main owner called and had the card canceled that they couldnt cancel that card because that would put NFCU in breach of contract. I said okay. I still wanted to speak to a supervisor about my account because I deserved an answer about why my other card had been canceled. So I was put on a brief hold again ( 8 minutes ) the rep came back and said the person I would need to talk to wasnt in and that they had no idea when the person would be in but I could leave a voicemail and they would call me back. So after being transferred which amounted to another ( 18-minute hold ), I was sent to a survey they do at the end of every call. I was very very very annoyed and called right back. This time I spoke with another fraud department rep. She transferred me to her boss almost instantly. After the supervisor, XXXX was looking over my accounts and the situation that was happening she said this that they canceled my card because I am only allowed to have six debit cards a year in my name. I couldnt have more than five fraud claims a year and I was considered a high-risk member. I thanked her for her honesty about why my card was canceled here though is where I ran into a problem. None of the reasons she gave me were stated anywhere in the debit card contract and every card was issued by the advice of an NFCU rep. That EVERY fraud claim I had filed had been found to be actually fraudulent by NFCU and that the policy written in the debit card contract said I was to be issued a new card for any fraud on my account. So the reasons contradicted their own policies. She agreed that I was 100 % right. She told me I could appeal the decision to include all my efforts to stop the fraud as well as any medical reasons why the decision was the wrong one. Until then I could get a prepaid card. I told her no that if I was getting prepaid it would not be through NFCU after all this. She also told me the joint account card would stay open per contractual agreement. \n\nSo the XX/XX/XXXX calls were a little more productive at least in getting the reasons NFCU had canceled my card but not any solution to finding out how to fix my personal account debit card even though a fraud supervisor said that I had done NOTHING wrong. I was also told again my joint account card would be just fine. Lets remember my joint account card would remain open because closing it would be in breach of contract which was said to me five different times by 3 different people. \n\nXX/XX/XXXX I tried to use my joint account card and guess what it was denied. I called NFCU and talked to a Fraud supervisor named XXXX who told me that I would not be able to have cards with NFCU until XX/XX/XXXX. I told him I had been told numerous times by different people that they couldnt take that card away from me unless my husband requested it needless to say he hadnt requested it. Brain suggested I go into a local NFCU  to get cash. I told him I was immune compromised and that wouldnt be a safe option for me. He said that he was sorry my appeal had been denied but there was nothing he could do about it. \n\nMy claim was denied because I had 15 debit cards and had more than 7 fraudulent charges totaling over two thousand dollars. That it was a mathematical algorithm that decided I was to high a risk. I was so stressed, frustrated, and honestly angry. NONE of this was good for my XXXX. I, in fact, suffered a XXXX   XXXX that very day. \n\nSo to sum it all up I had spoken to 7 associates of NFCU that my joint account debit card would be fine due to contractual agreements. I had 4 fraud supervisors agree that none of the fraud and cards were my fault and that it was not written in any debit card agreement the number of cards a member could have. I spent well over 8 hours on the phone with different people over the last ten days to get nowhere because there is nothing anyone can do. \n\nSo this letter is to reach out one last time to NFCU and then I will be moving on to the XXXX and Consumer Finical to get arbitration or court set up on this mess. NFCU has a code of ethics on its website for the world to see. \n\n1. Act with the highest grade of integrity which requires honesty and being candid. ( I was lied to several times and given the rule around many times ). \n\n2. Accept and recognize personal responsibility to build and maintain the NFCU name. ( The opposite is happening. ) 6. Use the Highest level of professionalism and courtesy. ( This didnt happen either ) After telling people how much I love NFCU I now am beyond mad to hurt by the way I have been treated. I have had undue XXXX XXXX  and XXXX XXXXXXXX because of all that has happened. According to my lawyer suing for XXXX XXXX XXXX XXXX is something we can do. I am not that person by nature I want to give people and companies every possible chance to do the right thing first. So here is your chance NFCU please do the right thing. \n\n\n\nSincerely, XXXX XXXX Member # XXXX","date_sent_to_company":"2019-05-14T11:43:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"31313","tags":"Servicemember","has_narrative":true,"complaint_id":"3242274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-05-14T11:34:53.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["That was the reason my accounts were <em>hacked</em> they had my social security number. I told her when I was well enough to go into public places I would be applying for a New SSN. She told me that she would do the same. She then asked if my illness was ongoing I told her that I <em>have</em> <em>been</em> battling XXXX XXXX, XXXX, XXXX, and XXXX XXXX for about 7 years. That I was immune compromised so going into public places was always a high <em>risk</em> for me. She told me she hoped that the doctors would find answers."]},"sort":[7.901796,"3242274"]},{"_index":"complaint-public-v1","_id":"2572958","_score":7.5520067,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please add this to report ID/XXXX. I realized I forgot to include some important details in that report they are as follows : My parents XXXX XXXX XXXX ( Step Adoptive Dad ) & XXXX XXXX XXXX graciously offered to purchase the electronics I mentioned in the other report. The XXXX lap top/ case, inexpensive XXXX lap top, a basic home phone, a inexpensive pay as you go cellphone. My Ex has accused me of spending \" his money ''. I felt it necessary to clarify with the extreme Financial Abuse I have endured. Next I was contacted by XXXX XXXX and I quote, \" XXXX has identified that one or more computers/devices behind your cable modem may be infected with XXXX or \" XXXX XXXX '' Virus. A device behind your cable modem appears to have connected to a command and control server affiliated with this malware. Your personal information such as passwords and credit card niumbers are putting your data at risk. They said we can not protect one while sacrificing the masses. Your virus is setting off our fire wall and will breach our system and they asked me to disconnect all my devices shut it diwn and go with another service provider with a more secure network. Well my apartment building contracts with only XXXX XXXX so I have been with out internet for almost two years. My Ex Spouse used to work with XXXX XXXX and they own my apartment building. Are you seeing the continuation of Domestic Violence using third parties? It is getting clearer right? Next this virus was on the two smart TVs my parents bought for us to USE. This all goes back to them when we move out. They are just loaning them to us. Anyway all these items became infected with these viruses. He was using my children 's XXXX in reverse, viewing us in reverse on all electronic devices somehow. Anyway the XXXX were purchased at XXXX before I fled in XX/XX/XXXX. After fleeing they were hacked. I took them to XXXX so many times I lost count. They said he has your IPs get new phones. In a last ditch effort I took them to the XXXX XXXX at XXXX along with my XXXX lap top. All items were infected with extreme spyware, malware and Trojan horses that could not be removed and were hard to detect. They removed all they could we factory reset and got new sims to only have it happen again. I continued to use the XXXX lap top until one day it just went black screen and has never worked since that day. It wo n't even turn on. The XXXX we used till a promotion where you could trade your phones in Happened. We got new phones paid off the new ones off a few months later. I am still paying for my original phones from before I fled my Ex kept my sons phone even though I bought and paid for it. It just steals everything I have. It was my sons XXXX present from me. Whatever, I even got a Court Order for him to return it and nothing .... My new XXXX belong to me alone an Are paid in full. I switched from XXXX because my Ex was using my ss # to access my account information and they could n't stop it from happening. I shut down the online account and my cell service. I have new carrier pre paid month to month and it was going well until two weeks ago. It started to ramp up again. Apparently he was sending messages that explode the a virus then disappear. The above information is meant to clarify the previous report. Thank you for putting them together for me. Now Chase/XXXX Reward Visa. I opened this account as part of my safety planning with the XXXX and the Two Domestic Violence Homicide Detectives. This company made it difficult to pay my bill. My online accounts were constantly hacked password changed all the time. I would get locked out of my account. My Ex did this kind of stuff the last year before I fled. I did not realize but he got a hold of this card had my statements sent to his address and new everything I was doing. I used the card to put a down payment on my leased car, new car insurance, renters insurance, health insurance all that planning to get away and one phone call using my ss # and he got my statement sent to him and began harassing me with each of these vendors. Turns out the company My XXXX XXXX home  reccomends for renters insurance is a family friend of someone we know in the XXXX family a third party to friends I have known since I was XXXX. They also refused to receive my monthly payments put me on hold for 45 minutes then just hang up on me all these companies were hurting my credit rating on purpose. Meanwhile at the time I had a pay by the minute cellphone plan. Can you see the Financial Abuse. Slight but it 's right there. Anyway I would try to pay my Chase bill on time and the same thing they would put me on 45 minute holds, refuse my payments for no reason, them send me late notices, then the Financial Abuse intensified and my Ex started with holding spousal support. To the point where it messed with my banking. I would deposit the check only to have him cancel it and all my bills bounce. XXXX XXXX did n't want to cash his checks anymore. It got pretty bad. During all of this my credit rating that I had just fixed plummeted again to XXXX. My heart sank. Chase turned me over to collections even though I was keeping them updated as soon as I figured out what he had done next. For 9 months this went on then they sent me to three different collection companies. They started calling and harassing me. I guarantee you woman who flee abuse want to pay there bill. You see the kind of Financial Abuse these guys do is slowly removing yourself worth, freedom, ability to provide for yourself all under the guise of protecting you. No one says of please abuse me or yes you may steal from me. Chase offered me a reduced payoff and I said No Way. I will pay this bill No Matter how long it takes. Finally after bursting into tears someone listened and heard me. Once they understood the type of abuse I was dealing with they started helping me again. They finally realized someone who has nothing wo n't be able to give you anything more if you yell and further re traumatized them. You have no idea what these brave woman and children survive and escape from. Anyway now they are letting me pay what I can when I can with the promise to restore my credit rating when it is paid in full. I will let you know what happens. This is not a traditional complaint more like something to learn from for everybody involved. You can look through this letter and address the abusive behavior. But my hope is that someone at Chase will become a Hero for the silenced, abused and those taken advantage of. Be a Champion go find the people in your company who have the power to change this. I know the day I pay you back will be one of the best days off mylife. I will get my dignity back. You know Financial Abuse is like a long slow XXXX of everything you have. I know that is graphic but you need to grasp how bad this really is to be able to change it. Please be one of those people my children and I can call Hero. Please be one of those Corporations who remembers you are only successful because so many human beings trust you with their money. Without them you have nothing. Understand the statistics are there and Domestic Violence is a Global Problem that is the highest it has ever been. If Corporation, Governments, Sports Teams, Organizations, Schools, Churches, Each Individual Do n't Stand Up and Say No More Society  will fall. This change needs to happen now it is urgent. Corporations will cease to exists if society falls. It does n't have to be that way. We all have power to cause this societal change so let 's do it. I want to see your company flourish too. I have been self employed most of my life my job experience is varied and valuable. I want my busuness to be part of this change by you supporting me as I regain the life stolen from me you will be part of that change. So I graciously Thank you in advance for what you are about to do to address these issues for so many who need your help. <P/>Blessings, XXXX XXXX XXXX","date_sent_to_company":"2017-07-13T07:30:28.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"92656","tags":null,"has_narrative":true,"complaint_id":"2572958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-07-13T00:48:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Account sold or transferred to another company"},"highlight":{"complaint_what_happened":["Your virus is setting off our fire wall and will <em>breach</em> our system and they asked me to disconnect all my devices shut it diwn and go with another service provider with a more secure network. Well my apartment building contracts with only XXXX XXXX so I <em>have</em> <em>been</em> with out internet for almost two years. My Ex Spouse used to work with XXXX XXXX and they own my apartment building. Are you seeing the continuation of Domestic Violence using third parties? It is getting clearer right?"]},"sort":[7.5520067,"2572958"]},{"_index":"complaint-public-v1","_id":"2655328","_score":7.2948933,"_source":{"product":"Checking or savings account","complaint_what_happened":"what happened full not to be confused with Consumer Protection Bureau submission # : XXXX - XXXX due to Bank of America intentionally not providing me a digital copy of my account history so that I could properly claim my claim with Consumer Protection Bureau due me telling bank I need a copy of my bank statement in digital form to match all the other documents I need to upload to the Consumer Protection Bureau.. Bank of America intentionally did this for the exact same duration of time they can legally close an account and put in collections. date duration of time was of course of over 3 months I would lie to repeatedly on dozens of phone calls and attempts to receive a digital copy of my bank statements I was told repeatedly I was not able to it is impossible but then every so often a honest representative would say that it is but there attempts to do their job and serve the customer were quickly stopped so that I could not submit my claim with the Consumer Protection Bureau containing the proper evidence which was also in digital form such as screenshots and audio recordings of their automated banking system saying inaccurate information about account I am told I could trust and is highly accurate making it impossible to balance a checking account or know where my money is going making it very easily to lose control of the account standings Bank of America did nothing to protect clearly why I am in debt they claim but I have never been in debt in my entire life nor would I have ever moved to the State of XXXX  1500 miles away from my family to be by myself to be broke and in debt. \neverything is mentioned in the uploaded documentation I uploaded, Done for leverage to collect their fees causing anyone in similar issue the inability to open up a checking account with another XXXX XXXX due to XXXX Bank of America did all this intentionally to collect fees as mentioned in documentation I provided nor did they protect my money like I was verbally promised multiple times I had nothing to worry about my money is safe and will be returned in claim. \n\nWhat happened1 As of XX/XX/XXXX I needed the cash in my bond for {$15000.00} from my great grandmother this Bond according to the will is to be used for my education or a home or business it is to be invested into my future directly related to why I had to move out of XX/XX/XXXX state to XX/XX/XXXXbecause I wanted to start a business I wanted to get off the medication I 've been on for over 10 years that the past five years I 've gotten myself down from XXXX XXXX a day to XXXX  a day. And every winter in XXXX XXXX I would go back up to XXXX XXXX too sometimes XXXX daily as prescribed due to my XXXX XXXX XXXX lack of sun in XXXX XXXX during winter played a huge role on My Success because winter hindered me and made me XXXX every year which caused me to take more of my medication moving to XXXX and starting the business that I 've always wanted to start with my business and budget how to effectively spend the money safely so that I have nothing to worry about so long as I have everything done within 16 months of moving there my budget included everything from living expensive rent food cigarettes medication doctor visits gas and spending money because you need it for your sanity. \n\n\nIn XX/XX/XXXX I went to Bank of America to cash my bond in full to {$15000.00} that I had a safe I would be leaving it in and dividing the money up into envelopes labeled the according budget restrictions. I had a strict leaving date due to my father taking time off of work to drive following me down in his truck while I 'm driving my car with trailer full of my belongings and my car full of my belongings as well I was told that I could bring my bond to any XXXX XXXX  to be cashed in full anything over 30,000 needs to be reported prior to this was only {$15000.00} Bank of America would not cash my they said they did not have the cash on hand and I was leaving with Saturday morning I brought my bond to the bank on Friday stay before moving. I explained to the bank of America 3 months ago the letter I received why I need to cash this Bond and have it in cash as documented in the upload I am attaching in the uploads too short and sweet in it I received letter from XXXX about while I had XXXX for my mobile carrier the XXXX data breach and my identity and personal information was lost in data breach XXXX paid for my identity Protection Service due to the XXXX data breach that I am an increased risk of identity theft to monitor my social security number and all bank accounts and any other identity related factors the letter stated that I should monitor my everything very closely. I already had a bank account with a credit union however by law Credit Unions not cash Federal bonds they can only be cashed at commercial Banks. Six months prior to recovering letter my credit union account out of nowhere had fraudulent activity on it and something tried to wipe out my account completely and almost successfully did so but did not confirm the correct area code. And that I had just gotten that straightened out with my credit union and that I had just gotten this letter three months ago this occurred in XX/XX/XXXX telling them I got the letter 3 months prior prior to XXXX XXXX is when my credit union account was compromised why I did not want my money in a bank account with any connections to the internet or online banking what day is shared me my money would be safe is protected if any money is missing from your account ever it is refunded in claim of loss. \n\nMonths XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX my account activity was normal up until early XX/XX/XXXX I accidentally left my newly chipped card in the chip card reader instead of swiping I never had a chipped before I accidentally left in the card reader at a gas station almost 6 hours when I went back to the gas station to retrieve my card I called Bank of America immediately to check for any fraudulent activity while my card was not in my possession said there was no card activity during that time that I do not have to get a new card number or anything I have nothing to worry about. \n\nEverything happened on my account until the end of XX/XX/XXXX when I started to notice my account might be off by XXXX or {$100.00} but my account had over {$12000.00} in in it. \nXX/XX/XXXX was an expensive month I had to transfer my vehicle to XXXX and pay all the DMV fees and start a new insurance policy and it just so happened to fall right around the same time I had to pay my Room & Board whatever you want to call it rent I spent around {$1500.00} on that alone in total over the course of a 10 transactions whether it be me pull money out of the ATM and cash or I used the card directly I Justified every transaction until it happened again but this time the {$1500.00} I thought I spent looked more like {$3500.00} or {$4000.00} at that time within a week I had to get my medication filled which was {$500.00} but my prescription lasted me a few months so that transaction made so what should have been around {$2000.00} from XXXX was less than {$9000.00} when I brought it to their attention that there is a serious issue this was XX/XX/XXXX when I can say return everything back to this point I had control of my account and I just started to lose control and I put my trust in to Bank of America calling them on a daily basis to inform them of and what 's going on that I had specifically asked the representative to notate on my account there is documentation of the event and that I am not held responsible I am at a loss and I kept telling them I sure hope you guys you guys keep your word that my money is protected and I will get this back I scheduled phone calls back with Advanced technical support Representatives look over all of my account activity and any additional factors take money out of my account without being picked up on. I received one call and the representative said there are too many things to go over with on the phone but I assure you we are looking at over we will be in back in contact I never received another phone call and I thought that I had the right branch of the bank taking care of this issue. So I went back to being the normal me that did n't feel like I had to check my bank balance often as long as I was sticking to my budget I have XXXX XXXX and I get distracted and if I go and start checking my I may go far in depth in it waste hours of time it 's it 's hard working against yourself but that also factored into why I did n't always check my balance I always just thought my money was safe and like the bank said it 's secured and I 've been waiting for the call back from the person from the bank and two weeks gone by and I did n't hear from them when I would try following up with the bank to get them myself the representative with no notate my account that I called in regards to why I have n't heard back from the person and was informed I should be waiting for a phone call from that person still so I was not proactively doing anything about my bank account Bank of America just basically told me that just so I would stop calling them because I never received any other phone calls back and I would call them to ask why have n't received a call back yet and I have n't had an update and I needed to know what happened to that {$2500.00} that was is unaccounted for by now a month-and-a-half later {$5500.00} and my total monthly spending should be {$750.00} but it 's only been a month and a half I 'm only halfway through the month! {$750.00} for everything for that month I wo n't spend it for another 2 weeks when the month is over XX/XX/XXXX {$550.00} - {$2200.00} It 's like every time I check my account my balance was cut in half or just shy of it. \n\nSo I put the claim in and I discovered the discrepancy with the ATM the phone service and app. \nAt that same exact time my XXXX account got hacked, and someone claiming to be my acquaintances on XXXX was trying to extort {$1000.00} out of me which I immediately made a police report about and all the evidence of the XXXX hacking conversation that the person blackmailing me texted trying to extort the money out of me and the connection with why my XXXX account and Bank Bank of America account are connected. \n\nI was unsuccessful at having my pictures of the screenshots of being blackmailed located due to the way the files are uploaded onto the website I can not view photos I must upload the other photos photos as proof","date_sent_to_company":"2017-08-31T09:17:35.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"349XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2655328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-08-31T07:31:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I explained to the bank of America 3 months ago the letter I received why I need to cash this Bond and <em>have</em> it in cash as documented in the upload I am attaching in the uploads too short and sweet in it I received letter from XXXX about while I had XXXX for my mobile carrier the XXXX data <em>breach</em> and my identity and personal information was lost in data <em>breach</em> XXXX paid for my identity Protection Service due to the XXXX data <em>breach</em> that I am an increased <em>risk</em> of identity theft to monitor my social"]},"sort":[7.2948933,"2655328"]},{"_index":"complaint-public-v1","_id":"5572167","_score":7.2782907,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am one of hundreds of victims of theft of cryptocurrency off the exchange run by Gemini Trust Company , LLC ( d/b/aXXXX Gemini XXXX, XXXX ) ( Gemini ) that resulted from Geminis unfair, deceptive, or abusive acts or practices ( UDAAPs ), in violation of the Dodd-Frank Act, 12 U.S.C. 5531. In short, as a result of Geminis failure to adequately safeguard self-directed retirement assets on its exchange from foreseeable misconduct, hackers were able to fraudulently transfer tens of millions of dollars worth of cryptocurrency off the exchange on XX/XX/XXXX, including [ Amount ] ETH from my account. \n\nGemini lured myself and the other victims in by selling security and trust : Trust is our product, they tell the public. We bought it and were led to believe Gemini would adequately safeguard our valuable retirement assets. Gemini advertises its industry leading security, and broadcasts unequivocally that All crypto held online in our exchange wallet is insured. It was precisely statements like these that led me ( and others ) to believe my self-directed retirement funds would be safe on the Gemini exchange and therefore to select a custodian that advertised a partnership with Gemini for this very purpose. At no time, prior to the theft of assets, did Gemini provide any indication that they would not put the full force of their company resources and highly touted security program behind the protection of my assets. To the contrary, upon signing up with Gemini, they sent welcome letters, reiterating promises of their security-first mentality and an ethos of asking for permission, not forgiveness, and they promised the full Gemini experience. \n\nI, and other victims, had every reason to rely on Geminis representations in establishing trust and selecting a place to buy and store valuable retirement assets. However, based on Geminis responses to my inquiries ( and those of other victims ) to date, these representations proved to be unbelievably deceptive. Gemini now claims that all security measures to protect the tens of millions of crypto held on Geminis exchange fell on XXXX XXXX relatively small company that, among other things, takes miniscule fees compared to those taken by Gemini for buying and holding crypto, and that does not sell its product based on its own security but rather that of Gemini. Even though Gemini promised ( among other industry-leading security ) two-factor authentication ( 2FA ), protections against single point of failure, and that in any event crypto is insured against fraud, victims were not notified ( via 2FA or otherwise ) of the withdrawals that Gemini says was due 100 % to IRA Financial ( a single-point of failure ) being severely compromised, and the assets were not insured against this loss. \n\nGemini violated the Dodd-Frank Act by engaging in UDAAPs and harming the victims in several ways. This included unfair acts and practices in the form of inadequate safeguards that caused injuries not reasonably avoidable by consumers. It also included deceptive practices in the form of material misrepresentations reasonably misleading and injuring consumers. Gemini also appears to have violated both state law and possibly the Electronic Funds Transfer Act ( EFTA ), each of which violation would constitute an actionable UDAAP under Dodd-Frank Act as well as a violation of the underlying laws These violations are detailed below.\n\nI. Geminis Unfair Acts and Practices : Failure to Establish Appropriate Policies and Procedures to Prevent, Detect, or Remedy Fraudulent Activity Harming Consumers The fraud that occurred on XX/XX/XXXX was stark. Hackers were able to compromise XXXX XXXX Geminis partner in providing consumers with an option to invest their self-directed retirement funds in cryptocurrency. Amazingly, Gemini had no safeguards against a single point of failure at XXXX  XXXX, where hacked administrative accounts were able to transfer tens of millions of dollars from hundreds of different individual customer accounts under their control into one account, and then transfer from the one account off the exchange, all within dozens of minutes. In statements to victims after this egregious security failure, Gemini has said The subject transactions appeared, from Geminis perspective, to be routine, authorized, and legitimate. This statement from Gemini is incredible and highlights the extreme lack of anything close to proper safeguards.\n\nThe standard for unfairness in the Dodd-Frank Act is that an act or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumers or to competition. See 15 U.S.C. 45 ( n ) ( The standard for unfairness in the Dodd-Frank Act has the same three-part test as the FTC Act, which was first stated in the FTC Policy Statement on Unfairness ( XXXX XXXX, XXXX ), available at : http : //www.ftc.govXXXX, and later specifically included in the FTC Act. ) As an example, in In re XXXX XXXX, XXXX XXXX, the Office of the Comptroller of the Currency ( OCC ) brought an enforcement action where a bank maintained deposit account relations with telemarketers and payment processors without adequately safeguarding against fraud. In that case, the telemarketers regularly deposited large numbers of remotely created checks drawn against consumers accounts, a large proportion of which were not authorized by consumers. OCCs investigation indicated the bank failed to establish appropriate policies and procedures to prevent, detect, or remedy such activities. Under the three-part test for unfairness, ( 1 ) the consumers lost money from the fraudulent checks was a substantial injury, ( 2 ) consumers could not have avoided the injury from transactions to which they had not consented, and ( 3 ) the cost to the bank of establishing a minimum level of due diligence, monitoring, and response procedures sufficient to remedy the problem would have been far less than the amount of injury to consumers that resulted from the banks avoiding those costs. See CFPB Consumer Laws and Regulations, UDAAPs Manual v.3 at pp.4-5 ( XX/XX/XXXX ) ( discussing the analysis ). \n\nGeminis failures in the present case easily meet the three-part test for unfairness. First, the lost tens of millions of dollars worth of crypto is obviously a substantial injury. Second, there is nothing the consumers could have done to avoid this injuryin fact, not only had the victims not consented to the transfers, but we relied on notifications and two-factor authentication to make any transfers on the Gemini exchange, and yet no notice was provided by Gemini at any time as the accounts were being drained. No protections were offered by Gemini and there was nothing consumers could have done, reasonable or otherwise, to prevent this. Third, as in In re XXXXXXXX XXXX XXXXXXXX XXXX, the cost to Gemini of establishing a minimum level of due diligence, monitoring, and response procedures sufficient to remedy the problem would have been far less than the injury resulting from Geminis avoiding these costs. In other words, Geminis failures were clearly unfair under the meaning of Dodd-Frank , and in accordance with precedent, and CFPB should take action to compel Gemini to restore the victims accounts.\n\nII. Geminis Deceptive Acts and Practices : Misleading Claims and Omissions About Security and Insurance that Consumers Reasonably Relied Upon to their Detriment When I was looking for a platform I could use to invest my self-directed retirement funds in crypto, I picked XXXX  XXXX due to their advertised partnership with Gemini, which holds itself out as an industry leader in security and advertises that all crypto on its exchange is insured. Gemini got my business, and those of countless others no doubt, by promoting a reputation for safety and security. I, and other victims, reasonably relied on Geminis assurances that our assets were safe on the Gemini exchange, and we reasonably believed that, should they be somehow stolen or otherwise compromised, our assets would be protected by Geminis insurance. But all of this appears based on Geminis current position to be egregiously misleading. In other words, Geminis representations were extremely deceptive.\n\nUnder the Dodd-Frank Act, a representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material. See CFPB Consumer Laws and Regulations, UDAAPs Manual v.3 at p. 5 ( XX/XX/XXXX ) ( citing FTC Policy Statement on Deception, available at http : //www.ftc.govXXXX XXXX \n\nCFPB has explained that, in addition to affirmative representations that are misleading, if material information is necessary to prevent a consumer from being misled, it may be deceptive to omit that information. Id. Examples of deceptive practices may include, among other things, offering to provide a product or service that is not in fact available ;... omitting material limitations or conditions from an offer ; or failing to provide the promised services. Id. \n\nGeminis acts and practices easily meet the test under Dodd-Frank because they lured consumers in with statements creating reasonable expectations for security and insurance, which proved to be totally false and which materially harmed the consumers who relied on these reasonable expectations. Below, I set forth some of the specific statements and representations made or omitted by Gemini, the reasonable expectations these created, and the reality of what occurred and what Gemini is saying now.\n\nA. What Gemini Said : That They Are Safe, Trusted, Leaders in Security, and that Their Protections Include 2FA, Protections Against Single-Points of Failure , and Insurance Against Fraud Geminis entire sales pitch is that they are safe and secure, and that people should trust them to safeguard their valuable assets. Gemini tells the public they are the Safest Crypto Exchange, and make the following representations, among others : Trust is our product.\n\nGeminis founders built Gemini to deliver the first trusted platform that focused on strong security controls and compliance. \nGemini has built a leading security program focused on developing innovative security solutions to help protect and secure our customers and their assets. \nAll crypto held online in our exchange wallet is insured and we use best-in-industry cold storage coverage with leading insurance providers. \n\nSee Gemini Advertising and Marketing Materials, Exhibit A. \n\nAlong the same lines, XXXX  XXXX distinguished itself in advertisements by stressing its partnership with Gemini and underscoring the safety, security, and insurance of the Gemini XXXX. XXXX  XXXX advertised about its partner and their collective products and services, among other things : Gemini is a regulated crypto exchange with over {$10.00} billion in assets. \nHow it works... XXXX  XXXX creates your crypto account on Gemini. Gemini then emails you onboarding instructions. \nGemini is a regulated trust company and offers its clients insurance against fraud. \n\nXXXX  XXXX XXXX and Marketing Materials, Exhibit B. \n\nGemini participated in this partnership and at no time qualified or corrected any statements advertised about the safety, security, and insurance that would protect customers. \n\nNotably, I recall seeing and relying on similar communications and advertisements about the safety and security of Gemini ( and XXXX  XXXX as a result of their partnership with Gemini ), and I understand some materials have since been taken down by one or both companies. I do not have access to all of these, but I believe other victims may have some of these materials that they have provided or may provide to CFBP.\n\nOne stark example of this is Geminis prior claims about insurance, which has now been heavily qualified.\n\nGeminis prior representation about insurance was : All crypto held online in our exchange wallet is insured and we use best-in-industry cold storage coverage with leading insurance providers.\n\nAs of the date of this letter, Gemini has taken this down, tacitly acknowledging its inaccuracy, and Gemini now represents to the public only that : We maintain insurance against certain types of crypto losses from our exchange wallet and from Gemini Custody. To learn more about our insurance, and what it does and does not cover, please visit our User Agreement.\n\nSee Exhibit A. \n\nIn addition to these general promises, Gemini advertises specific details of their industry leading security that protect customers. Some particularly relevant representations include those concerning two-factor authentication and protections against single points of failure : In discussing its specific security practices, Gemini states that Two-Factor Authentication ( 2FA ) is required by default, in order to access your account and make withdrawals.\n\nSimilarly, Gemini toutes its asset security, stating The multisignature digital signature scheme ( multisig ) used eliminates single points of failure and improves our resilience against the loss or compromise of any individual private key.\n\nIt bears noting here that Gemini never corrected any statements advertised by XXXX  XXXX ( or itself ) about the security that would apply to holding retirement account assets on its exchange. In addition, none of the affirmative statements made above were qualified in any way that would communicate to a potential customer of the XXXX  XXXX XXXX Gemini partnership that investing retirement funds are any less protected than investing non-retirement funds. In fact, when onboarding through Gemini after singing up with XXXX  XXXX and Gemini, Gemini communicates the oppositethey sent victims welcome letters, reiterating promises of their security-first mentality and an ethos of asking for permission, not forgiveness, and they promised the full Gemini experience. \n\nB. What Victims Reasonably Understood and Expected : That Our Crypto Was Safe and Insured and that Gemini Would Not Allow Tens of Millions to Be Withdrawn From Our Accounts Without Our Permission or Even Notification, Among other Reasonable Expectations All these statements of assurance and trust workedI and other victims believed Gemini ( and purchased their product ). I and other victims came to the expectation and belief that our crypto was safe from fraud on Geminis exchange, and that in the event anything did happen, Gemini protected our crypto with insurance so there was no appreciable risk of catastrophe. The entire point of selecting XXXX XXXX and Gemini as a place to hold valuable retirement assets was the promised security, safety, and insurance. \n\nSpecific beliefs reasonably held as a result of Geminis representations included that no crypto would be withdrawn from victims accounts without consent via 2FA, that Gemini had adequate protections in place to prevent catastrophic loss from a single-point-of failure, and that in any event our assets were protected against fraudulent withdrawals by Geminis insurance coverage. These beliefs and expectations were eminently reasonable based on the statements above.\n\nFor example, the statement that Geminis security eliminates single points of failure communicates to consumers that we can trust there are multiple layers of security protecting our assets, so that there is no risk of one compromise causing catastrophic loss.\n\nGeminis statement that 2FA is required to make withdrawals gave us the expectation that our accounts would not be able to be drained without our consent or knowledge. My expectations and beliefs on this were also reinforced along the way, including by Geminis requirement for 2FA anytime I executed any transaction on Geminis platform. \n\nThis misrepresentation is particularly egregious given Geminis direct communications to us that they founded Gemini with a security-first mentality and an ethos of asking for permission, not forgiveness. We reasonably expected that they would not allow tens of millions in retirement assets to be withdrawn from our accounts without our permission. This expectation was more than reasonable given their explicit statement that 2FA was required for withdrawals and subsequent practice of asking our permission via 2FA for any buy or trade prior. Not only did they fail to ask for our permission, now they are not even asking our forgivenessto date they have taken zero responsibility for allowing our retirement funds to be funneled off the safest crypto exchange. \n\nGeminis unqualified statement that all crypto on their exchange is insured gave us all confidence that, should anything happen, there is insurance available to cover loss. This was advertised by both Gemini and XXXX XXXX, and a material inducement for us to give them business. Given these broad, unqualified statements, it was reasonable for customers to expect that Gemini would in fact cover crypto with insurance against loss if their security practices failed to prevent the loss, as was the case here. \n\nAs to the rest of my expectations around security and insurance, at no time did I have any reason to question any of the representations and promises initially made that I relied upon in signing up with XXXX XXXX and Gemini. \n\nC. What Actually Happened and What Gemini Now Says About it On XX/XX/XXXX, XXXX  XXXX was hacked. Hackers gained control of XXXX  XXXX administrator accounts, transferred tens of millions of dollars worth of assets from hundreds of victims to one account, created a new external wallet, and transferred the assets off Gemini exchange without notifying victims or apparently raising any flags at Gemini whatsoever. In fact, Gemini told victims The subject transactions appeared, from XXXX perspective, to be routine, authorized, and legitimate. Gemini XX/XX/XXXX Response to Victim CFPB Claim, Exhibit C. As presented to Gemini, these actions satisfied all of Geminis transaction approval requirements and appeared to be authorized transactions made from XXXX  XXXX known and approved devices. Gemini XX/XX/XXXX Response to EFTA Notice, Exhibit D. Further, Gemini has stated their insurance does not cover the loss because Geminis systems were not compromised.\n\nIn other words, the expectations we reasonably held based on Geminis representations proved dramatically false : Our expectation that Gemini was a safe, secure, trustworthy place to store crypto was eviscerated by their total failure to prevent bad actors from summarily and fraudulently transferring tens of millions of dollars worth of assets off the exchange. \nOur expectation that Gemini would notify us with 2FA and ask permission to withdraw funds proved shockingly false as we heard nothing from Gemini while they allowed our funds to be drained.\n\nOur expectation that their security included multiple layers to protect against single-points of failure such as the hack of an administrator with the power to create new external wallets and transfer off assets without safeguards proved similarly false.\n\nFinally, our expectation that Gemini maintained insurance that would protect our crypto as a fail-safe in case there was a dramatic unexpected breach also proved false. \n\nD. Clear Violation of Standard under XXXX XXXX These misrepresentations easily meet the test for deceptive under the Dodd-Frank Act. First, they are likely to mislead customers. As noted, the whole point of the advertising is to garner trust in Geminis security and get customers to buy their product. Second, as explained above, believing these representations under the circumstances is reasonable. Customers had no reason to question what Gemini and XXXX  XXXX were selling until the catastrophic failures came to light. Finally, the representations were material. The entire reason I ( and others, presumably ) chose Gemini was for the advertised safety and security. \n\nIt is critical to note that, even if all of Geminis claims were technically accurate ( for example, if their 2FA applied to XXXX  XXXX and not the consumer, and if the coins were insured just not against this type of fraud ), these claims remain highly misleading and illegal under XXXX XXXX I was led to believe, as any reasonable consumer would be through these claims, that my crypto was safethat it would not be withdrawn without my own 2FA ( which was required for purchases and transfers ) ; that Geminis systems were not susceptible to single-point of failure attacks ( including, what a reasonable consumer would think constitutes single-point of failurethe hack of Geminis partner administrator ) ; and that in any event, my crypto was protected via Geminis touted insurance policy. All of these beliefs turned out to be false and inaccurate, and yet they are totally reasonable and foreseeable based on Geminis advertising, representations, communications, acts, and practices. These misrepresentations were hugely materialthe trust was the foundation of my ( and other customers ) decision to go with Gemini. In no event would any of us have considered putting our retirement assets on the Gemini exchange had we known that our assets were not in fact protected in the way Gemini led us to believe they would be. \n\nIn other words, whether or not Gemini technically provided all the security they advertised, the fact remains that it was totally inadequate to prevent massive, foreseeable fraud, and this was shocking to customers who reasonably relied on their statements to believe that Gemini would be able to prevent, or at minimum insure loss from, such massive fraud. \n\nIII. Geminis Violations of State and Federal Law In addition the the violations outlined above, violations of applicable state and federal law also constitute UDAAPs, enforceable as violations under Dodd-Frank.\n\nA few noteworthy violations of applicable New York state law include : Gemini was required to conduct risk-assessment of XXXX XXXX platform and evaluate the adequacy of XXXX XXXX cybersecurity practices and protections under 23 NYCRR 500.11 . Gemini failed to do this. This is particularly egregious since Gemini now points to the breach at XXXX  XXXX and says Gemini holds no responsibility, putting all of the weight of responsibility on a security link that they themselves did not evaluate, in contravention of state law. \n\nGemini was required to provide its telephone number for the receipt of complaints under 23 NYCRR 200.20 ( b ) ( 1 ), but had only provided XXXX XXXX with its email address. This violation resulted in delays and significant loss after XXXX  XXXX detected the ongoing theft and Gemini was unresponsive to initial email notifications, with no ability to immediately notify Gemini. \n\nGeminis false, misleading, and deceptive representations and omissions, discussed above, are violations of New York law on advertising and marketing, 23 NYCRR 200.18. Gemini claims that its unqualified advertising that all crypto held on its exchange are insured was modified by language buried in its user agreement. However, as discussed above, even if this is technically true, the unqualified advertisement was highly misleading and deceptive, and itself is false without the separate qualification. Similarly, as discussed above, Geminis advertisements and representations that 2FA was required for withdrawals was misleading, deceptive, and ultimately false. \n\nGemini was required to implement adequate anti-money laundering measures and protections under 23 NYCRR 200.15 ( b ), ( c ). Criminals were able to steal assets from hundreds of accounts, transfer those assets ( one coin at a time ) to a single, unrelated account and then remove the stolen assets to a money-laundering tornado, thereby hiding the identity/ownership of the assets. This criminal laundering scheme involved several hundred transfers that went completely undetected by Gemini, in violation of New York anti-money laundering law. \n\nSimilarly, Gemini was required to monitor its system for transactions that might signify money laundering, tax evasion, or other illegal or criminal activity. 23 NYCRR 200.15 ( e ) ( 3 ). Gemini did not monitor for such activity here, as evidenced by the fact that it permitted hundreds of illegal transfers to occur, one coin at a time, into a single, unrelated account having no connection to its customers XXXX  accounts, and then allowed all of the stolen assets to be removed from its exchange. Subsequently, Gemini stated The subject transactions appeared, from Geminis perspective, to be routine, authorized, and legitimate. \n\nCritically, Gemini was also required to maintain, as part of its anti-money laundering program, a customer identification program. 23 NYCRR 200.15 ( h ). As part of this, Gemini was required to verify the identity of any accountholder initiating a transaction with a value greater than {$3000.00}. Here, as discussed above, Gemini did not verify the identity of the hundreds of customers via 2FA or otherwise of the withdrawals of hundreds of millions of dollars worth of crypto via voluminous transactions, all over {$3000.00} in value.\n\nGemini further failed to have in place appropriate policies and procedures to block or reject specific or impermissible transactions that violate Federal or State laws, rules, or regulations in violation of 23 NYCRR 200.15 ( j ). As discussed above, Geminis failures to monitor for, flag, or notify customers of hundreds of millions of dollars worth of crypto being fraudulently transferred to one account then to a new external wallet off exchange and into the abyss was an egregious failure.\n\nGemini also violated Californias Unfair Competition Law, Cal. Bus. Prof. Code 17200 et seq., which prohibits unfair business practices, including misleading advertising, similar to the federal violations of XXXX discussed above. Geminis unfair and misleading business practices were violations of state law in California because Gemini advertised its services here in California where I and other California victims reside, and Gemini got my business and that of other California victims, who all suffered a loss as a result of these practices.\n\nGemini may also have violated the Electronic Funds Transfer Act. I provided Gemini with notice of unauthorized transfer and requested correction under Regulation E. Gemini responded that Regulation E did not apply to the unauthorized transfer from my Gemini account because the account was a retirement account. It is unclear to me whether this is accuratethe exemption from retirement accounts appears to be focused on exempting the entity complying with IRS retirement obligations, which in this case would be XXXX  XXXX. It is not clear that the exemption would apply to Gemini, who is not regulated as a custodian. Thus, it appears Gemini may also have violated the EFTA. See EFTA Correspondence, Exhibit E.\n\nIV. Conclusion and Request for Remedy Geminis promises of security, notifications, insurance, and trust succeeded in getting the business of hundreds of victims that put tens of millions of dollars of critically important retirement funds on Geminis exchange and trusted Gemini to deliver on its promises, including to ask permission not forgiveness. Yet we found out Gemini failed us dramatically by allowing thieves to fraudulently transfer our retirement savings to one account, create an external wallet, and transfer our savings off Geminis exchange, without so much as notifying us, much less performing any of the promised or required verifications. Gemini did not even flag this as unusual, but instead told victims The subject transactions appeared, from Geminis perspective, to be routine, authorized, and legitimate. And they say it was not insured after all. \n\nThis is an outrageous failure on so many levels. The violations of XXXX are stark and numerous, as set forth above. We were misled by Gemini into buying the trust they were selling. But in the end, they did not protect our assets, and they are not putting the force of their company behind their initial promises of security and insuranceinstead it appears they are putting the force of their company toward gearing up to defend claims and making all the hundreds of victims pay out of pocket to hire private attorneys to enforce their clear rights. It is reprehensible. \n\nI am asking the CFPB to enforce XXXX and require Gemini to make the victims wholespecifically to reimburse victims in-kind for all of the crypto that was allowed to be transferred fraudulently off Geminis exchange, and to reimburse victims for any attorney fees and other costs actually incurred as a result. If CFPB has the power and inclination, I also request further penalties to be issues and further compensation to victims to be paid for their non-monetary damages, including the severe mental stress and emotional turmoil it has had on their lives as theyve dealt with drained retirement accounts and an about-face from the company that promised trust and security. \n\n\nThank you for your immediate care and attention to this matter. \n\nSincerely,","date_sent_to_company":"2022-05-18T00:46:37.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"94107","tags":null,"has_narrative":true,"complaint_id":"5572167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Winklevoss Exchange LLC","date_received":"2022-05-18T00:20:35.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Under the <em>three</em>-part test for unfairness, ( 1 ) the consumers lost money from the fraudulent checks was a substantial injury, ( 2 ) consumers could not <em>have</em> avoided the injury from transactions to which they had not consented, and ( 3 ) the cost to the bank of establishing a minimum level of due diligence, monitoring, and response procedures sufficient to remedy the problem would <em>have</em> <em>been</em> far less than the amount of injury to consumers that resulted from the banks avoiding those costs."]},"sort":[7.2782907,"5572167"]},{"_index":"complaint-public-v1","_id":"7264038","_score":6.8286295,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The purpose of this letter is to escalate an ongoing complex dispute with Bank of America that has remained unresolved since XX/XX/XXXX. I am reporting Bank of America to the CFPD for violating consumer laws. And as an American born citizen and a customer of Bank of America for 46 years I put my trust into the Consumer Financial Protection Bureau for review and complete resolution. \n\nDuring my 46 years of banking with Bank of America I have had excellent banking with an excellent credit rating. My banking transactions were notably predictable modest transactions. Then in XX/XX/XXXX due to the lack of cybersecurity BofA promises, BofA obviously failed to meet the compliance standards ( and my account was at risk caused by privileged users ). In addition, Bank of America is unable to manage and control third party vendors. Unfortunately, my bank allowed a criminal to gain access to my account. He made multiple fraudulent transactions, and it is alarming my bank does not know how to fix it. Instead of treating me as a respectable long-term customer, they have put me on the defensive by outrageously creating a fake credit card in my name without my permission to bill me for their mistakes. Below is an overview of banking complexities that would never have occurred had they not issued a fake credit card in my name. Back up documentation is available upon request. \n\nBofA failed in their critical responsibility to provide safe and secure banking. The banking breach was cause for immediate attention, but BofA has seriously declined in customer service. Ive made hundreds of calls to BofA, sent emails to VPs, made appointments in person, sent documentation by certified mail, and sent a Demand Letter to get someones attention. Nothing happened. The banking problems remain unaddressed. Phone calls to BofA are avoided through endless re-routing from one department to the next. Agents repeat the same script I cant help you, youve reached the wrong department, let me transfer you. It is impossible to connect with a bank agent, and if you finally do, they simply dont know what to do - or how to handle it. \nIt's obvious the delay tactics are to BofAs advantage. And contracting with substandard third party services are to the bank 's advantage. Problems such as deceitful transactions can not be easily traced and the bank therefore is unaccountable. \n\nBank of America unlawfully created a fake credit card in my name without my permission. A customer service agent informed me they went back to XXXX before I banked with BofA to create a new credit card in my name. Bank of America then duplicated charges multiple times and applied the same transactions to several credit cards. Then they sent me a bill for the fake credit card ( XXXX ) in the amount of {$14000.00}. It is not my debt. At the end of this letter, you will find a brief recap of bank mistakes and duplicated charges as an example. Statements are available upon request. \n\nThese bank problems began in XX/XX/XXXX when a criminal named XXXX XXXX hacked into my account through XXXX and gained access to my entire banking. It was reported but the Fraud department did not investigate him. The bank agent informed me he made XXXX illegal transactions. XXXX {$1600.00} and XXXX {$1900.00} and a cash advance from my credit card XXXX for {$3900.00}. This banking breach caused a domino effect on multiple accounts, making it exceedingly difficult to resolve. BofA did refund Fraud activity {$1600.00} and {$1900.00} only. The fraudulent XXXX transactions caused an overdraft on my account which resulted in many other banking problems I am stuck with because the bank does not know how to fix it. \n\nBofA negligence & online bill pay managed by a 3rd party service. Someone at the bank had access to my account and during this time a {$10000.00} payment was processed to XXXXXXXX XXXX in error. Who XXXX XXXXXXXX makes a {$10000.00} payment online? That should have been a red flag for the bank, but they just let it go even though in 46 years Ive never had {$10000.00} in my account- ever. I caught it at once and called BofA XXXX Bill Pay Division ( 3rd party service ). They were extremely nervous, but they also refused to stop the transaction. Naturally, this caused overdraft activity. I was able to remedy this myself by contacting XXXX Bank who refunded the amount three weeks later. I deposited it into my checking account, and I immediately made an appointment in person at the XXXX Branch to pay off all my accounts. They gave me a confirmation number, but unfortunately, later I learned BofA applied that payment to the wrong account. Bank of America has become simply incorrigible. \n\nBank of America then ruined my credit rating. 46 years of excellent credit went down the tubes overnight as I realized BofA would rather destroy me, than help me. Instead of acknowledging me as a long-time loyal customer, I am treated like a criminal. Their lack of banking security and incompetency put me in this awful position, and now I am left to try to defend myself without legal representation due to the unfair arbitration clause. The unfair arbitration law must change It is criminal. \n\nThe surmounting stress of this unresolved bank issue has caused irreparable damage to my health. It is devastating my bank has turned against me and is threatening my future livelihood. It is a living nightmare that never ends. I received a BoA letter that states my account will go to Charge Off on XX/XX/XXXX, if I dont make a payment towards $ XXXX a debt that is not mine its not real but created through my bank misappropriating charges and credits. \n\nI must work to supplement my social security income and a poor credit rating will hinder me from gainful employment. This year, my earning ability was significantly reduced due to the hours needed to focus on fixing this banking problem. I am worried I will not be able to get credit if needed in case of a medical emergency. There is no safety net as I have no family or support ; it is life threatening as it could lead to homelessness. \n\nI am reaching out to CFPB to resolve these unlawful practices of Bank of America. For myself and millions of other customers that have had similar insufferable experiences with this bank. It is hard to understand why so many government agencies turn a blind eye to Bank of Americas unlawful practices. Even though this bank continues to be sued for billions, no one will stop the repeating criminal banking behavior. Our Banking laws must change to really protect consumers and more importantly enforced so Bank of America can no longer have the free will to destroy peoples lives. \n\nBank of America would not provide me with any justification or accounting of the transactions so I created this chart that will illustrate the unnecessarily complex mess the bank made. They must fix it! I expect Bank of America to correct the multiple duplicated billings ; to close the illegal cc XXXX issued in my name without my permission. Close that card at a XXXX balance and mail me an updated statement. I have paid off all my accounts with Bank of America. I have no real debt with this bank. I would also like Bank of America to remove the false debit ( s ) from all credit agencies and restore my perfect credit rating by the end of XX/XX/XXXX. I will not accept phone calls from Bank of America because they are liars. All communication must be in writing. \n\nIve been consumed by this mess and there is no extra time to work on the EDD income and the State of XXXX money sent on a special card. Bank of America closed my account, so I no longer have access to that information or those funds. That also remains unaccountable and unresolved by the bank. \n\nXXXX BANK OF AMERICA MIAPPROPRIATED FUNDS - XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX BANK OF AMERICA ERRORS - MULTIPLE CHARGES ON SEVERAL CARDS XX/XX/XXXX cc XXXX first charge on cc XXXX {$9600.00} 1st time wrong card XX/XX/XXXX cc XXXX second charge on cc XXXX {$9600.00} 2nd time on fake card XX/XX/XXXX cc XXXX third charge on cc XXXX {$9600.00} Fake CC XXXX confusion Total Bank Errors {$28000.00} XX/XX/XXXX cc XXXX minus XXXX credit on cc XXXX $ ( XXXX ) One transaction billed three times - fix it {$19000.00} MULTIPLE BANK ERRORS TRIPLE BILLING BANK OF AMERICA UNLAWFULLY CREATED A FAKE CREDIT CARD IN MY NAME XX/XX/XXXX cc XXXX Bank Error Charged {$3900.00} 2 x on XXXX {$7800.00} XXXX CHARGES XX/XX/XXXX cc XXXX XXXX CREDIT $ ( XXXX ) XXXX XXXX XXXXXXXX transaction billed 2x & 1 Credit Balance {$3900.00} XX/XX/XXXX cc XXXX Fake card cause unnecessary confusion with misappropriated charges and misapplied payments $ ( XXXX ) BOFA APPLIED PAYMENT TO WRONG ACCT ACTION TO BE TAKEN : BANK OF AMERICA MUST CORRECT THIS ERRONOUS ACCOUNT IMMEDIATELY XXXX XXXX Fake Credit Card ( XXXX ) Statement XXXX ERROROUS BILLING ON XXXX AND DUPLICATED BILLING MULTIBLE TIMES ON SEVERAL CARDS RECAPPED ABOVE {$16000.00} Interest accumulating ACTION TO BE TAKEN -BofA REMOVE IMPROPER DEBT AND RESTORE MY EXCELENT CREDIT XXXX All Credit Agencies Remove this banking information from all Credit Agencies. Restore my credit rating ACTION TO BE TAKEN - BOFA FIX PAYMENTS MADE TO CORRECT ACCOUNTS XX/XX/XXXX cc XXXX Other payment made in person with agent $ ( XXXX ) confirmation XXXX XX/XX/XXXX cc XXXX Statement XX/XX/XXXX to XX/XX/XXXX XXXX {$11000.00} Paid in person at XXXX branch $ ( XXXX ) confirmation XXXX Thank you for taking the time to read my letter. I look forward to hearing from you with a positive resolution to this matter. I can be reached in writing at the following contact information. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-07-17T16:31:14.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"94536","tags":"Older American","has_narrative":true,"complaint_id":"7264038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-07-17T15:48:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["That should <em>have</em> <em>been</em> a red flag for the bank, but they just let it go even though in 46 years Ive never had {$10000.00} in my account- ever. I caught it at once and called BofA XXXX Bill Pay Division ( 3rd party service ). They were extremely nervous, but they also refused to stop the transaction. Naturally, this caused overdraft activity. I was able to remedy this myself by contacting XXXX Bank who refunded the amount <em>three</em> weeks later."]},"sort":[6.8286295,"7264038"]},{"_index":"complaint-public-v1","_id":"7251720","_score":6.367299,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Since XX/XX/2023, I have contacted the Bank of America on multiple occasions, and requested that this bank stop charging me fraudulent charges for a trip that my wife and I took to XXXX from XXXX XXXX XXXX. As documented in the attached XXXX XXXX, I paid for this trip in full through a wire transfer. In fact, I paid more than the service was worth since the tour service was cancelled. Then, XXXX XXXX XXXXXXXX charged me four more times for the same service by credit card through Bank of America. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX both charged me for the same hotel stay. \n\nThe Bank of America has repeatedly refused to cancel these charges, and on one occasion an agent told me to me get a lawyer. Bank of america even discards faxes that provide documented proof of this fraud, and the bank dismisses my claims without considering this evidence at all. The Bank of America is currently defrauding me of {$23000.00}. The referenced XXXX XXXX provides a detailed table for all of these fraud charges and references to available fraud complaints and a referenced copy of an FBI crime report that have been filed and discarded by the Bank of America ( https : XXXX ). Fraud complaints are also attached with the FBI report enclosed. \nI published the following XXXX XXXX today, XX/XX/2023, to document this fraud against my family. \n\n\nThe Bank of America Steals our Money - The Bank of America 's International Fraud against America The Bank of America- they are in your wallet. The Bank of America XXXX XXXX XXXX XXXX, and Bank of America employees falsify records in accordance with these policies to force customers to give money to thieves during fraudulent credit card purchases. \n\nThe Bank of America Fraud The Bank of America implements two policies that directly defraud customers and falsify banking records. \n\n1 ) To falsify records, if a customer is lied to and cheated by a merchant, the Bank of America refuses to record such crimes when credit card frauds are reported. Such crimes must be reported to the Bank of America as Business Disputes if the credit card number is provided to dishonest merchants in good faith. According to several Bank of America agents, fraud can only be reported if a credit card is used without permission, i.e., a hacked credit card. In other words, the Bank of America 's records do not record crimes, where the number of such falsely reported crimes is unknown.\n\n2 ) If the thieves then claim that the fraudulent charges are legitimate, the customer must pay the money that has been stolen from them. Thieves are given priority over customers who have been cheated. The full scope of this credit card fraud by the Bank of America, and perhaps other banks, is unknown.\n\nFigure 1. My bank is stealing {$23000.00} from my family, and they know that they are stealing our money.\n\nFigure 1. My bank is stealing {$23000.00} from my family, and they know that they are stealing our money. \n( Image by XXXX XXXX, XXXX ) Details DMCA The Original Fraud As one of many customers, I am dealing with such a fraud by the Bank of America ( Figure 1 ). Full details of this fraud are documented along with an FBI crime report. \n\nThe original crimes in XXXX are discussed in an XXXX XXXX  titled \" Visit XXXX as a Tourist-Risk Fraud and False Imprisonment in JXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX '', click here. Explicit details of these crimes and supporting evidence of this fraud are presented in two reports, titled \" Luxury Tours XXXX, Bank of America Fraud Complaint '' ; and \" XXXX XXXX XXXX XXXX XXXX, Bank of America Fraud Complaint '', Click Here ). \n\nBased on these crimes, this Op Ed focuses on the subsequent criminal fraud by the Bank of America. Bank of America polices and employees are presently implementing such thefts. \n\nI am being charged more than {$29000.00} for a service worth approximately {$2400.00}. The merchants, XXXX XXXX XXXXXXXX and the XXXX XXXX XXXX XXXX XXXX, attempted to defraud my XXXX wife and I of more than {$47000.00} in this elaborate criminal scheme ( Table XXXX ). \n\nInternational Frauds are Complicated by Even More Dishonesty When I asked these two companies to pay back the money that they stole, the Hotel XXXX and the Tour Company Owner accused me of blackmail. They stole tens of thousands of dollars from my wife and me, threatened to have me arrested in a foreign country if I did not immediately pay {$5000.00} when we we were in XXXX, lied about receiving full payment, cancelled our tour and transportation to abandon us in XXXX, and then compounded their lies with false accusations. \n\nApparently, these XXXX companies were crooks from the beginning of these crimes. \n\nXXXX XXXX XXXXXXXX received a full payment of {$6500.00} in advance. This wire transfer from my bank account with Bank of America is documented through bank records. \nSince this tour was illegally cancelled prematurely, only {$2400.00} of the contracted services were provided. \nXXXX XXXX XXXXXXXX then requested a duplicate {$6500.00} payment, using a money order from XXXX XXXX. \nXXXX XXXX XXXXXXXX then demanded another {$5000.00} in cash, and threatened me with jail in a foreign country when I did not pay. Such actions constitute XXXX, and constitute threats of kidnapping and false incarceration. \nThis tour company then fraudulently charged us approximately {$6500.00} XXXX more times by credit card. \nThen, XXXX XXXX XXXXXXXX demanded an additional {$9000.00} through their credit card company. \nI was coercively charged twice for the same hotel room stay, and I paid twice for this hotel room. \nAfter all of this theft, both the hotel and the tour company libelously claimed that I blackmailed them since I asked them to stop these thefts, and pay back the money that they stole. Their audacity in crime is only exceeded by their slanderous claims of blackmail. \n\nAccused crimes plus accused and threatened crimes include fraud, extortion, slander, breach of contract, and false imprisonment. By endorsing the frauds of XXXX XXXX XXXXXXXX and the XXXX XXXX XXXX XXXX XXXX, is the Bank of America complicit in other crimes as well, since the Bank of America increases criminal profits? \n\nThe Bank of America Joins the Frauds To make matters far worse, the Bank of America demands immediate payment to the thieves or interest will be charged for the outstanding balance. I was informed that if I do not pay, I can get a lawyer to challenge Bank of America. The bank steals our money, and we are mandated to hire attorneys to fight the crimes committed against us by our bank. \n\nTo date, the Bank of America has supported the thieves on three separate occasions, where two responses were provided in written documents. These documents stated that 'The merchant provided documentation confirming that [ I ] received the merchandise or service '. The merchants blatantly lied. The Bank of America stands behind their lies.\n\nThrough Bank of America, I am still appealing this criminal banking decision. Based on numerous conversations with Bank of America employees, I expect the Bank of America to continue stealing our money. \n\nThe Bank of America XXXXrauds Continue So far, the Bank of America discarded faxes that supported fraud claims, where those two Bank of America Fraud Reports are noted above. More importantly, the Bank of America also claims that the thieves ' four different credit card claims for the same incomplete service are legitimate, since the thieves lie and say that I received the service. All XXXX of these charges are fraud, where receipts prove that this tour service was paid by wire transfer through the Bank of America before any of these criminal card charges were accepted by the Bank of America. \n\nThe Bank of America claims over and over that I authorized the charges. I state over and over that I did not agree to pay over and over. \n\nIncluded in this same fraud complaint, Bank of America agreed that I should pay {$500.00} to a company called XXXX. I have never had any contact at all with this company, and I have repeatedly informed the Bank of America of this parallel fraud. \n\nThe Bank of America still wants me to pay all of the crooks. \n\nI mentioned these crimes to someone else, and they are being similarly defrauded. Once again, the scope of this fraud against customers is unknown. \n\nThe FBI Ignores Credit Card Fraud The scope of internet fraud in this country is so monumental that the FBI refuses to investigate any fraud less than {$100000.00}. Since the fraud against my wife and me is less than {$100000.00}, the FBI did not even respond to my FBI report concerning this internet fraud. \n\nBanks Endorse and Support the Crooks The Bank of America, and other banks, are caught in the midst of an extraordinary crime spree, and banks become complicit in these frauds when they support criminals rather than customers who have been swindled. \n\nA Fight Against The Bank of America Crimes After this XXXX XXXX is published, I will file another fraud complaint. Along with a supporting copy of this XXXX XXXX, I will file this complaint with the Consumer Financial Protection Bureau. I have already filed a complaint with this bureau with respect to the tour operator and the hotel. However, a new fraud report will be specifically filed against the Bank of America for this ongoing crime. \n\nThis XXXX XXXX adds to customer 'deceptive practices ' perpetrated by the financially beleaguered Bank of America XXXX Specifically, the Consumer Financial Protection Bureau ordered the \" Bank of America to pay $ XXXX in fines, customer refunds over junk fees, [ and ] fake accounts ''. \n\nThis XXXX XXXX exposes one more attempt by the Bank of America to illegally obtain, or steal, money from customers.","date_sent_to_company":"2023-07-15T01:57:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"29803","tags":"Older American","has_narrative":true,"complaint_id":"7251720","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-07-15T01:19:08.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["According to several Bank of America agents, fraud can only be reported if a credit card is used without permission, i.e., a <em>hacked</em> credit card. In other words, the Bank of America 's records do not record crimes, where the number of such falsely reported crimes is unknown.\n\n2 ) If the thieves then claim that the fraudulent charges are legitimate, the customer must pay the money that has <em>been</em> stolen from them. Thieves are given priority over customers who <em>have</em> <em>been</em> cheated."]},"sort":[6.367299,"7251720"]},{"_index":"complaint-public-v1","_id":"8189166","_score":4.0095906,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  \nXXXX XXXX XXXX XXXX XXXX  (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX  \nCrown Asset Management,LLC\n\nXXXXXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX\n\n(Case 2) XXXX XXXX XXXX Crown Asset Management, LLC \n(Case 3) XXXX XXXX XXXX Crown Asset Management, LLC Claimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX XXXX XXXX (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXXXXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX. XXXX XXXX OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  XXXX XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXXXXXX XXXXXXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX  is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXXXXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Crown Asset Management, LLC, Duluth, GA Branch","date_received":"2024-01-19T16:35:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If there <em>have</em> <em>been</em> any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there <em>have</em> <em>been</em> any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated."]},"sort":[4.0095906,"8189166"]},{"_index":"complaint-public-v1","_id":"8189093","_score":4.005628,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. XXXX XXXX XXXX XXXX XXXX XXXX (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX  \n(Case 2) XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n(Case 3) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\nClaimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX. In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX  XXXX XXXX XXXX XXXX sets the stage of exactly what to expect in his XXXXXXXX XXXX XXXX decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the XXXX XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the XXXX XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX XXXX XXXX XXXX to address the obvious.  Your appropriate response requires many many many more than XXXX  pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX  CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX  credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently XXXX  in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX  and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have XXXX  liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"InvestiNet LLC","date_received":"2024-01-19T16:24:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If there <em>have</em> <em>been</em> any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there <em>have</em> <em>been</em> any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. 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