{"took":421,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":300,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8435547","_score":18.387808,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards.\n\n( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information. \nYou have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. \n18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.","date_sent_to_company":"2024-02-27T18:44:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20601","tags":null,"has_narrative":true,"complaint_id":"8435547","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-27T18:44:35.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 1 ) to ensure the security and confidentiality of <em>customer</em> <em>records</em> and <em>information</em> ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such <em>record</em> and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em> Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic <em>information</em>."]},"sort":[18.387808,"8435547"]},{"_index":"complaint-public-v1","_id":"8431545","_score":18.387808,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards.\n\n( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information. \nYou have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. \n18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.","date_sent_to_company":"2024-02-27T18:44:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20601","tags":null,"has_narrative":true,"complaint_id":"8431545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-27T18:44:35.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 1 ) to ensure the security and confidentiality of <em>customer</em> <em>records</em> and <em>information</em> ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such <em>record</em> and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em> Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic <em>information</em>."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[18.387808,"8431545"]},{"_index":"complaint-public-v1","_id":"8431542","_score":18.387808,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards. \n( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information.\n\nYou have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. \n18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.","date_sent_to_company":"2024-02-27T18:44:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20601","tags":null,"has_narrative":true,"complaint_id":"8431542","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-27T18:13:43.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 1 ) to ensure the security and confidentiality of <em>customer</em> <em>records</em> and <em>information</em> ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such <em>record</em> and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em> Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic <em>information</em>."]},"sort":[18.387808,"8431542"]},{"_index":"complaint-public-v1","_id":"7887332","_score":16.751223,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am not able to contact this institution. \n\n\n\" XXXX was originally contracted to service federal loans through XXXX, but it ended its contract in XX/XX/XXXX due to financial loss. Its website no longer exist, and all loans were transferred to XXXX XXXX. '' - XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n\nI am chosing to OPT OUT. But i am unable to contact this Loan Servicers 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-11-21T15:39:46.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"532XX","tags":null,"has_narrative":true,"complaint_id":"7887332","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-21T15:39:44.000Z","state":"WI","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":["threats or hazards to the security or integrity of such <em>records</em> ; and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em>."]},"sort":[16.751223,"7887332"]},{"_index":"complaint-public-v1","_id":"7887338","_score":16.716343,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am not able to contact this institution. \n\n\n\" Cornerstone was originally contracted to service federal loans through XXXX, but it ended its contract in XX/XX/XXXX due to financial loss. Its website no longer exist, and all loans were transferred to FedLoan Servicing. '' - XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n\nI am chosing to OPT OUT. But i am unable to contact this Loan Servicers 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-11-21T15:39:38.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"532XX","tags":null,"has_narrative":true,"complaint_id":"7887338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2023-11-21T15:15:22.000Z","state":"WI","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such <em>records</em> ; and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em>."]},"sort":[16.716343,"7887338"]},{"_index":"complaint-public-v1","_id":"16242928","_score":15.530686,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to file a formal complaint regarding a wire fraud incident that occurred in XX/XX/year>, in which I was scammed out of {$2500.00}. The funds were sent via wire transfer to a Wells Fargo account, which has since been confirmed by Wells Fargo as valid. However, the bank has failed to take responsibility or cooperate meaningfully with law enforcement, despite clear violations of its own published wire transfer policies. \n\nI am a XXXX  mother, and the {$2500.00} I sent was money I had carefully saved over a long period to help my daughter purchase her first vehicle. This was not a small amount to meit represented a significant sacrifice and a milestone for our family. Losing it to fraud has caused not only financial hardship but emotional distress, especially given the lack of cooperation from Wells Fargo in resolving the matter. \n\nSummary of Incident On XX/XX/year>, I wired {$2500.00} to an individual I know personally in Indiana, believing the transaction to be legitimate. \nThe recipient account was held at Wells Fargo, and the transaction was processed without the required verification steps outlined in Wells Fargos own wire transfer policies. \nInitially, Wells Fargo claimed the account was invalid. Later, they acknowledged it was valid but refused to disclose any further information. \nI received a written response from Wells Fargos fraud investigation team acknowledging that their wire policy requires specific information to process incoming wire information that was not provided in this case.\n\nIn Wells Fargos written response dated, they confirmed that to receive a domestic wire, the following information is required : routing transit number, bank name, city and state, account number, beneficiary name, and residential address. This matches their published policy, which I have also attached as a screenshot. However, this required information was not provided, and Wells Fargo acknowledged that the name and address did not match any records in their system. Despite this, the wire was processed via XXXX XXXX XXXX ( XXXX ), without manual review or rejection. This directly contradicts their stated policy and raises serious concerns about their internal safeguards. Despite this acknowledgment, Wells Fargo has refused to explain why the wire was processed without meeting those requirements, nor have they taken any responsibility for the failure to enforce their own safeguards. \nWells Fargo also cited Section 8 ( c ) of their Online Access Agreement, which states that wires may be processed based on the account number even if the beneficiarys name does not match. However, this section applies only to outgoing wires initiated by Wells Fargo customers, not to incoming wires being received by Wells Fargo. My wire was sent to a Wells Fargo account, making this clause irrelevant. Furthermore, the section includes a disclaimer at the bottom stating : Note : among other things, this section does not apply to wire transfers that debit or credit a consumers account. Since my wire transfer did debit my consumer account, this policy does not apply. Wells Fargos use of this language to justify their actions is misleading and inconsistent with their own published terms.\n\nDespite Wells Fargos own published wire transfer policywhich requires that the account number, account holder name, and account holder address match, they processed the wire even though none of these details aligned. Wells Fargo confirmed that the account number and beneficiary name did not match any active customer, and the address provided was also incorrect. Additionally, the bank address listed in the wire instructions did not match the actual accounts bank location, which is another required field under their policy. Under standard banking protocols and their own XXXX XXXX XXXXXXXX ( XXXX ) system, this wire should have been rejected or flagged for manual review. Their failure to do so suggests either a breakdown in automated safeguards or a manual override without proper verification. \nAdditionally, the Indiana XXXX Police were informed by Wells Fargos XXXX XXXX XXXX XXXX, XXXX XXXX, during a phone call that the account holder name and address I provided did not match any records in their system. While I do not have written documentation of this call, I believe Wells Fargo maintains recordings or logs of such communications, especially those involving law enforcement and fraud investigations. \n\nLaw Enforcement Involvement The case is being actively investigated by Detective XXXX of the Indiana XXXX Police. The Indiana XXXX Police report number is XXXX. Detective XXXX has issued three subpoenas to addresses provided by Wells Fargo. Additionally, Detective XXXX was instructed by Wells Fargo to send a fourth subpoena to XXXX  instead of Wells Fargo to obtain information, which he is in the process of contacting them today. \nEach time, Wells Fargo redirected the subpoena to a different location, requiring a new subpoena to be issued, delaying the investigation and obstructing progress. \nMost recently, Wells Fargo instructed law enforcement to send the subpoena to XXXX, suggesting that XXXX may have been involved in processing the transaction. This raises further questions about Wells Fargos role and oversight. \nI also filed a report on XX/XX/year>, with the XXXX Police Department in Alabama, where I reside. The report number is XXXX. \nSubmitted a complaint on XX/XX/year>, to the FBIs XXXX ( XXXX XXXX XXXX XXXX  ). This submission number is XXXX. \n\nWells Fargos Pattern of Avoidance Based on Wells Fargos repeated failure to provide clear answers, their redirection of multiple law enforcement subpoenas, and their decision to close my case without addressing the core issues, I believe they are actively avoiding responsibility and hoping I will simply go away. This pattern of behavior is deeply troubling and unacceptable, especially given the financial and emotional harm this has caused.\n\nBroader Pattern of Wire Transfer Issues Wells Fargo has faced prior scrutiny and legal challenges related to wire transfer handling and customer complaints. My experience appears to reflect a broader pattern of inadequate safeguards and lack of transparency in resolving fraud-related wire transactions. This reinforces my concern that Wells Fargo is not taking appropriate responsibility and may be failing to protect consumers from preventable financial harm.\n\nMy Request I am requesting the following : 1. A full investigation into Wells Fargos handling of this wire transfer and their failure to follow their own policies.\n\n2. An explanation for the repeated redirection of subpoenas and lack of cooperation with law enforcement.\n\n3. Restitution of {$2500.00} that was lost due to Wells Fargos failure to enforce its wire transfer safeguards. \n\nI am prepared to provide all documentation, including : Wire transfer records Communications with Wells Fargo The fraud teams written acknowledgment of policy violations Police report numbers from both Indiana and Alabama My XXXX complaint confirmation This situation has caused significant financial and emotional distress. I am seeking accountability and resolution, and I urge your office to investigate this matter thoroughly. \n\nThank you for your time and attention.","date_sent_to_company":"2025-09-29T18:48:54.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"36535","tags":null,"has_narrative":true,"complaint_id":"16242928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-09-29T18:18:52.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["However, this required <em>information</em> was not provided, and Wells Fargo acknowledged that the name and address did not match any <em>records</em> in their system. Despite this, the wire was processed via XXXX XXXX XXXX ( XXXX ), without manual review or rejection. This directly contradicts their stated policy and raises serious concerns about their internal <em>safeguards</em>."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[15.530686,"16242928"]},{"_index":"complaint-public-v1","_id":"15814509","_score":15.255572,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am filing a formal complaint against Discover Bank regarding a serious case of account takeover and unauthorized withdrawal of funds.\n\nOn [ insert date ], an unauthorized individual gained access to my Discover Bank account. Without my consent, this person : Changed the email address associated with my account, Transferred approximately {$60000.00} out of my account, and Did so without any notification to me or security verification measures in place.\n\nAt no point did I receive an alert, verification request, or security check from Discover Bank before or after these drastic changes and transfers were made. This raises grave concerns about Discover Banks failure to safeguard consumer accounts, prevent identity theft, and comply with standard industry security practices.\n\nThis incident has caused significant financial and emotional distress. I believe Discover Bank failed in its duty to protect my sensitive financial information, detect suspicious activity, and notify me of unusual account behavior.\n\nI respectfully request that the CFPB and FTC investigate Discover Banks security practices and compliance with federal consumer protection and banking laws. I am seeking immediate intervention to : 1. Recover the stolen {$60000.00}, 2. Ensure Discover Bank implements proper fraud-prevention and customer notification protocols.\n\nI am also requesting that this complaint be formally logged against Discover Banks record of consumer practices.\n\nPlease let me know if you require supporting documents, transaction records, or further information to pursue this complaint.","date_sent_to_company":"2025-09-10T01:59:45.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"70458","tags":null,"has_narrative":true,"complaint_id":"15814509","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-09-09T15:21:57.000Z","state":"LA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Ensure Discover Bank implements proper fraud-prevention and <em>customer</em> notification protocols.\n\nI am also requesting that this complaint be formally logged against Discover Banks <em>record</em> of consumer practices.\n\nPlease let me know if you require supporting documents, transaction <em>records</em>, or further <em>information</em> to pursue this complaint."]},"sort":[15.255572,"15814509"]},{"_index":"complaint-public-v1","_id":"8874373","_score":15.229362,"_source":{"product":"Student loan","complaint_what_happened":"Dept of Ed/Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX Notice to agent is notice to principal Notice to principal is notice to agent. \n\nYou DEPT OF ED/NELNET are reporting information about my educational record that you have no permission to report. \n\nFamily Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.\n\nThere is no contract or written permission where I XXXX XXXX gave any written permission. If you DEPT OF ED/NELNET believe that I have given you this permission I am requesting the document pursuant Rule 1002.\n\nFurthermore, my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. \n\nYour activities have amounted to identity theft 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.\n\n( 1 ) In general. \nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \n\nIn addition to your fraud and identity theft actions, you have further violated 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nI am disgusted with your behavior I will be filing complaints with the CFPB, FTC, XXXX, and OCC regarding your fraudulent, misleading practices which have caused significant harm to me, my family, my reputation, my character, my mode of living. \nYou have inconvenienced my life and you will be held accountable. \n\nThe information that you have furnished has caused denials and adverse actions when I apply for extensions of credit. \nYou have furnished my nonpublic personal records of information regarding my accounts to institutions like XXXX, XXXX, and XXXX that have had multiple data breaches compromising my information. \n\nI need the account { DEPT OF ED/NELNET XXXX XXXX records blocked or deleted from XXXX, XXXX, and or XXXX. You have no permission to report any records or information to these institutions without my permission. You have violated the Family Educational Rights and Privacy Act ( FERPA ) in addition to 15 USC 6801, and you have committed identity theft 18 USC 1028A. \n\nYou have 10 Days to Delete this account { XXXX } from all consumer reporting agencies but not limited to { XXXX, XXXX, XXXX, } Thank you, XXXX XXXX","date_sent_to_company":"2024-04-27T20:21:10.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"146XX","tags":null,"has_narrative":true,"complaint_id":"8874373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-04-27T19:59:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such <em>records</em> ; and ( XXXX ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em>."]},"sort":[15.229362,"8874373"]},{"_index":"complaint-public-v1","_id":"3244623","_score":15.229359,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This complaint is in response to Citi, their usage of programs including Payment Safeguard, and the refusal to refund fees taken from me, the continued use of the program, the unethical responses that show conflicts and changes to their story, and overall predatory practices. \n\nThe simplest breakdown of my complaint is the following. After numerous requests regarding refunds via Citi and Payment Safeguard they have declined. However, through the course of these requests through phone calls, and the CFPB Citi has shown holes in their story, exposed themselves to inaccuracy, and has either lied or acted unethically. Citi claimed initially that I signed up for a program called payment safeguard over the phone in XXXX. Via their letter they say that there are not phone records of this due to time and I further express that I never signed up for it. That in and of itself should be grounds for refund based off of their XXXX fine and ordered payback. Then in a second letter where they declined refund they admit that I never signed up for Payment Safeguard in that the program I supposedly signed up for ( which I still maintain I did not ) underwent a name change that was not communicated to customers. This also should demonstrate that I should be allowed refund in that my story truly does show I never signed up for a Payment Safeguard. \n\nFurther discrepancies arise between the two letters when looking at the mailed statements they claim to have sent, and emailed statements. The first letter says two letters were mailed about ending Payment Safeguard in XXXX and they attempt to say there were never undeliverable but fail to address that undeliverable should not warrant an argument in that no letter would be mailed back to them unless it was certified mail. Further, they discuss emails and undeliverable without addressing how something from Payment Safeguard would likely go to an email as spam because of the predatory nature and inability to be found online. Thus they did not communicate effectively the name change, the predatory nature, or the issues with this fee that appeared on statements. \n\nAs to their claim that they mailed monthly statements that addressed how to cancel Payment Safeguard that is simply untrue. As per the attachment there is no information regarding what Payment Safeguard is, what it does, or why enrolled. Per the attached statements it is clear that there is only a phone number with zero explanation or information. In fact the phone number listed is one of 5 listed on a statement. Simply put, Payment Safeguard is listed as a fee and is predatory. \n\nFinally, in the documents on the CFPB website it clearly states that Payment Safeguard enrolled clients of Citi would not need to do anything to receive a refund which is contrary to the information from the most recent Citi letter. Nowhere in the CFPB documents does it state a timeline, a due date, or a timeframe in order to receive a refund. This is all the more difficult when an individual did not sign up for a program, was unaware they were enrolled, and did not know how to end fees that amounted to thousands of dollars. Especially when Citi changed program names, was held culpable and fined by the CFPB, and took advantage of consumers.\n\nCiti took advantage of consumers, paid refunds to some, and is attempting to get out of refunding my account over contradictory information that is misleading and frankly flies in the face of the information the CFPB has given out. A full refund should be granted for any and all fees taken from my account on behalf of Citi and the supposed Payment Safeguard. The fact that they still work with this predatory arm is shameful and misleading. As a customer of Citi for XXXX years I am appalled to be so taken advantage of by an arm of the company that can not even be contacted by phone. Finally, if they can not prove I enrolled, that alone should be grounds based off of the CFPB payout. \n\nBelow, is my previous complaint which also expresses dates, holes in the Citi framework, plan, and customer handling experience. \n\nIn XXXX of XXXX during a conversation I was made aware of an issue with Citi due to something called Payment Safeguard. After doing some digging I realized that I was enrolled in this program and tried to find out what it was. Unfortunately there is no tie to Payment Safeguard anywhere on the Citi website, and as the attachments show there is not a Payment Safeguard website that exists. I was able to track down a phone number via a statement and called to find out what the program is. I was then told of services and a plan that I never enrolled in. I instantly cancelled my enrollment because I was unaware I was a part of it and slowly came to the realization that Citi and Payment Safeguard had taken thousands of dollars from me over the course of years. I went back through old statements and looked on in horror to see that this payment safeguard is simply listed as a fee and not an extra service, nor something I enrolled in. It is on the second page and looks like a charge and nothing else. Without knowledge of being enrolled in the program it is impossible to know what it is and it only looks like the cost of doing business with Citi.  After finding out about this program that I was enrolled in without my knowledge I did more research only to find that the CFPB fined city XXXX XXXX dollars and ordered them to pay back XXXX XXXX to duped customers which I was one of. However, I never received a refund, nor any communication from city in or around XXXX when this refund took place. Nor did Citi send out any information when they were fined in XXXX to individuals enrolled in Payment Safeguard what had happened with the fine, what the program was, why they were in the wrong, or what to expect regarding refunds. Aside from newspaper stories and what was published by the CFPB it appears they swept things under the rug. At the end of XX/XX/XXXX I reached out to numerous Citi customer service reps and was told repeatedly that they could not give me any information on Payment Safeguard because it is a separate department and could only show that there was a case that I requested pending. Further, I called Payment Safeguard numerous times and all they could say was that a request was sent for review to some department in Citi that was impossible to transfer me to. I repeatedly said that I never enrolled in this program, wanted my money back, and was frequently passed around. In one instance when I called the payment safeguard number it redirected me to a service that tried to sell me services as opposed to any customer service. In XXXX of XXXX I received a letter from Citi saying that I enrolled in this program in XXXX and that because I was covered by the program I could not receive a refund. I immediately inquired for a new review because a. ) I never signed up, b. ) they issued refund for their practice with this company ( something I should qualify for ) c. ) was never notified of the program, details, supposed benefits d. ) was not notified of they refunds, payouts, or the issues involved. I received another letter saying the same thing, that I signed up in XXXX and would not receive a refund. I then set up a complaint with the CFPB regarding some of the information that I stated clearly above, and my need for a refund for any and all fees paid to Payment Safeguard based off of Citi 's deceptive practice for which they were fined. Yesterday, I received notice from Citi that I will not receive a refund based off of weak and deceptive claims that do not answer the questions answered. As I have always said I did not enroll in the program. Citi claims that I did over the phone in XXXX but does not have any record to prove this as they clearly mention in the letter attached. This alone, along with their fine and fee should be grounds for a refund. They were proved deceptive, can not prove I signed up which I state I did not, and should thus refund all fees from XXXX XXXX. Second, they state that there were communications sent in XXXX, one via email and one via mail. These communications were never received, nor can Citi prove they were delivered. Their letter states that they did not receive notice that they were \" undeliverable '' but only certified mail would be returned to the sender and a letter from Citi would not have met this criteria. Thus, to use that as legal standing is once again deceptive and simply incorrect. Finally, as the letter states the fees are listed on the statement which is true but also not clear nor understandable. There are numerous numbers, fees, lines of interest, etc. on every statement. As an individual that did not sign up, did not know of the program, and without any knowledge of it there is no way to know it was an add on. It is only listed as a fee and does not state it is with a separate company or outside entity. All of these reasons clearly show the pattern that Citi engaged in and has continued to even though they were fined and were forced to submit refunds. These continued practices along with no proof of communicating to me the consumer, nor proof of my enrollment qualify for a refund and should have happened in XXXX. Marrying this with their lack of communication of the program, what it entails, or that Citi was found liable for their practices further shows that there should be a refund. The letter Citi sent is flawed, makes blanket generalizations, carries no proof of good faith operation, nor consumer conscience. It only shows a weak attempt to skirt the issue and not address what should have been made right in XXXX via refund. Further, the communication they claim they sent in XXXX does not do anything and should not mean anything considering the company was found liable in XXXX. Citi was cited for deceptive practice and supposed communication that can not be proved is not grounds worth standing on in light of the finding by the CFPB. A full refund should be issued immediately.","date_sent_to_company":"2019-05-16T17:31:54.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"60608","tags":null,"has_narrative":true,"complaint_id":"3244623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-05-16T17:20:03.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["At the end of XX/XX/XXXX I reached out to numerous Citi <em>customer</em> service reps and was told repeatedly that they could not give me any <em>information</em> on Payment <em>Safeguard</em> because it is a separate department and could only show that there was a case that I requested pending. Further, I called Payment <em>Safeguard</em> numerous times and all they could say was that a request was sent for review to some department in Citi that was impossible to <em>transfer</em> me to."]},"sort":[15.229359,"3244623"]},{"_index":"complaint-public-v1","_id":"14357026","_score":14.764703,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hi CFPB : On XX/XX/XXXX, I intended to transfer {$5000.00} from my Santander Bank checking account ( XXXX XXXXXXXX ) to my XXXX XXXX  account. \n\nWhen I initiated the transfer on the Santander mobile app, only one outside account information showed up under the Transfer To section was XXXX ( XXXX XXXX ). I chose that XXXX account and clicked the Transfer button. \n\nThe reason that I chose that K account because I thought that was my XXXX  account. I opened this checking account ( XXXX XXXX  ) in XXXX this year and hadnt made any money transfers to anyone at that point. The only money transfer I had was {$25.00} from my XXXX account, therefore the only outside account information saved under my online profile should be my XXXX account. \n\nHowever, it turned out that XXXX account belongs to my old landlord XXXX. It is his XXXX XXXX account. Santander online system ported my bill-pay directory from the old Santander checking account ( XXXX XXXXXXXX ) that I closed in XXXX to this new account. \n\nI closed that ( XXXX XXXXXXXX ) because I wanted to start fresh with a clean transaction history. I knew that banks are still required to keep records of customers transactions for a certain period, typically up to 10 years. However, the banks do NOT port customs sensitive data from the old account to the new account. Both XXXX and XXXX XXXX have confirmed that. Customers need to manually input these information in the new account. \n\nI was left in the dark the entire time. I would have deleted the old transaction information that I had back in XXXX if I knew that it has been ported from the old account to the new account. \n\nSantander engaged in an unfair practice by deliberately and unilateral porting my sensitive account information without seeking my authorization or providing timely notice.\n\nFinancial institutions are responsible for safeguarding customers sensitive information. Bill-pay directory and recurring ACH orders are all considered sensitive data. Santander failed to keep mine safe.\n\nEven Santanders own technology team confirmed that they do not transfer sensitive details like bank or credit card information from the old closed account to the new account ; this information needs to be manually entered. \n\nOn XX/XX/XXXX, right after this incident, I emailed XXXX and asked if he can return that {$5000.00} to me, but he hasnt written back to me. I lost {$5000.00}. \n\nI filed two claims with Santander and both claims were declined.\n\nI would like Santander Bank, N.A. to compensate me for the {$5000.00} loss it caused. \n\nA financial institutions unilateral reopening of deposit accounts that consumers previously closed can constitute a violation of the CFPAs probation on unfair acts or practices. I respectfully request CFPB to investigate this incident and Santanders practices regarding mishandling and unilateral porting customers sensitive data from the closed accounts to new accounts without gaining customer consent.\n\nI have enclosed two screenshots of the money transfers that I made to him back in XXXX with my old account ( XXXX XXXXXXXX ) and XXXX screenshot for the {$5000.00} money transfer with this new account ( XXXX XXXXXXXX ). \n\nThank you,","date_sent_to_company":"2025-06-30T02:03:30.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"11229","tags":null,"has_narrative":true,"complaint_id":"14357026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-06-30T01:51:59.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or missing disclosures"},"highlight":{"complaint_what_happened":["I knew that banks are still required to keep <em>records</em> of <em>customers</em> transactions for a certain period, typically up to 10 years. However, the banks do NOT port customs sensitive data from the old account to the new account. Both XXXX and XXXX XXXX have confirmed that. <em>Customers</em> need to manually input these <em>information</em> in the new account. \n\nI was left in the dark the entire time."]},"sort":[14.764703,"14357026"]},{"_index":"complaint-public-v1","_id":"4285488","_score":13.885902,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, at approximately XXXX XXXX, four transactions totaling exactly {$5000.00} were deducted from our joint checking account at Regions Bank ( Regions ) and paid to persons unknown to us. The transfer was made through the XXXX system, a partner of Regions. Just days prior to this event, Regions had announced the completion of a major upgrade to its security system that would enable the bank to better serve and safeguard its customers. \nThe transactions were all posted as pending. Other information for each is : XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1000.00} ; XXXX - XXXX record number XXXX to XXXX XXXX XXXXn the amount of {$1400.00} ; XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00} ; and XXXX : XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00}. \nMy husband and I have never set up an account for XXXX services as part of our Regions online transaction account. To the best of our knowledge, we have never had a XXXX account associated with any accounts we may have, or have had, with other banking institutions. However, in the little information that we have been able to obtain from Regions ( see attached Article 1 handwritten note from Regions employee in XXXX ), its records indicate that a XXXX account was set up on XX/XX/XXXX. As best we can tell, this account was not used until XX/XX/XXXX, at which time another email address was verified for the account : XXXX. This email address is unknown to us, and we were only made aware of its part in this fraud weeks later. \nPrior to the XX/XX/XXXX date, our personal information was stored on Regions computers and accessible to an unknown/possibly unlimited number of people associated with Regions, XXXX, and/or any computer security contractors/employees associated with Regions security upgrades.","date_sent_to_company":"2021-04-09T20:54:33.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"728XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4285488","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2021-04-09T20:42:23.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The <em>transfer</em> was made through the XXXX system, a partner of Regions. Just days prior to this event, Regions had announced the completion of a major upgrade to its security system that would enable the bank to better serve and <em>safeguard</em> its <em>customers</em>. \nThe transactions were all posted as pending."]},"sort":[13.885902,"4285488"]},{"_index":"complaint-public-v1","_id":"11575058","_score":13.790962,"_source":{"product":"Credit card","complaint_what_happened":"In your CFPB repose you on record stated that you no longer have this account and the account has been transferred to a third party debt collector. \nWere no longer the creditor on your account. For any additional questions about your account please contact XXXX XXXX XXXX, XXXX The above statement is a direct violation of my consumer rights. \n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. \nI have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \nThe only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given the original creditor, non written, verbal, and nonverbal per 5 U.S. Code 552a. Selling my nonpublic personal information is against federal law. The only way information can be shared is by common ownership or control. \n15 U.S. Code 6809 - Definitions ( 5 ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. \n15 U.S. Code 1692e - False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \nBy transferring over my nonpublic personal information to XXXX XXXX XXXX XXXX which is a third party debt collector, you are aiding them with aggregate identity theft by federal law. \n18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. \n15 U.S. Code 1681s3 Affiliate sharing ( 1 ) Notice Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report The only way information can be passed from one company to the next is common ownership. \n15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \nTransferring my nonpublic personal information isnt fair nor accurate reporting. \n15 usc 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. \nDuty A moral or legal obligation ; responsibility. \nAccurate Correct in all details ; exact. \nProhibition A law or regulation forbids something.","date_sent_to_company":"2025-01-16T23:03:58.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"11575058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-01-16T22:58:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such <em>records</em> ; and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em>. \n15 U.S."]},"sort":[13.790962,"11575058"]},{"_index":"complaint-public-v1","_id":"20365204","_score":13.770973,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am a small business owner using Square Appointments to collect deposits for services. I have experienced a serious and ongoing issue where customers are able to book appointments with required deposits, and the system displays these appointments as paid, even when the payment has failed or was declined. \n\nFor example, on or around XX/XX/year>, a customer booked an appointment with a {$50.00} required deposit. The system showed the appointment as paid, however, there is no record of a successful transaction in my Square transaction history. Upon further review, the payment attempt was declined, yet the appointment was still confirmed and labeled as paid. \n\nAdditionally, the system allowed me to attempt to issue a refund for this deposit, even though no funds were ever successfully received. Because of this misleading system behavior, I issued a {$50.00} refund to a customer for a payment that was never actually processed, resulting in a direct financial loss to my business. \n\nWhen I attempt to locate or interact with these supposed payments, I receive an error message stating Payment Not Found. This confirms that no valid transaction exists, despite the system previously displaying the appointment as paid. I have also observed that this is not an isolated incident. Multiple deposits are not appearing in my transaction history at all, despite being tied to booked appointments. \n\nI have also noticed that I am not receiving any of these deposits in my Square-linked bank account at all. Despite appointments showing as paid within the system, there are no corresponding deposits being transferred or recorded. This further confirms that the payments are not actually being processed, while the platform continues to display them as completed transactions. This creates a serious discrepancy between what is shown in the system and the actual funds received. \n\nThis creates multiple serious problems : Misrepresentation of payment status ( paid when payment failed or does not exist ) Ability to issue refunds for transactions that never occurred Loss of income due to unsecured bookings Direct financial loss from issuing refunds on non-existent payments Missing deposits that are never transferred to my bank account Lack of safeguards to prevent failed payments from confirming appointments As a business owner, I rely on deposits to secure appointments and protect my time. Squares system is allowing customers to book without actually paying, while displaying inaccurate and misleading payment information. \n\nI am requesting that Square be required to correct this issue by ensuring that : 1. Appointments can not be confirmed unless payment is successfully processed 2. Failed or declined payments are clearly labeled and do not appear as paid 3. Refund options are not available unless a valid transaction exists This issue is deceptive, causes financial harm, and reflects a serious flaw in how Square represents and processes payments. It needs to be addressed to prevent further harm to small businesses.","date_sent_to_company":"2026-03-18T08:56:02.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"08054","tags":null,"has_narrative":true,"complaint_id":"20365204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-03-18T08:33:33.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have experienced a serious and ongoing issue where <em>customers</em> are able to book appointments with required deposits, and the system displays these appointments as paid, even when the payment has failed or was declined. \n\nFor example, on or around XX/XX/year>, a <em>customer</em> booked an appointment with a {$50.00} required deposit. The system showed the appointment as paid, however, there is no <em>record</em> of a successful transaction in my Square transaction history."],"product":["Money <em>transfer</em>, virtual currency, or money service"]},"sort":[13.770973,"20365204"]},{"_index":"complaint-public-v1","_id":"8175481","_score":13.472558,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2023 someone stole my phone and hacked into it changing all my passwords. I immediately reported the unauthorized transactions to Robinhood though they took hours to call me back after I requested the phone call and contact them through the app and social media without success. After I was able to report the unauthorized transactions to a customer service agent over the phone I have also submitted the police report and explained to them that the thieves had added their debit card through transfer my money from my brokerage saving account to their card. In fact on XX/XX/XXXX the thieves added their card with their information and change the password on my account. They used Robinhood instant transfer feature to transfer the money immediately. In all my years of using Robinhood I have never once used the instant transfer feature, and the account they stole money from was saving account were I was putting money on a weekly basis. The customer service agent confirmed what I told him and initiated the investigation to retrieve my money. The investigation kept getting pushed back as Robinhood kept changing the final review dates. I kept following up with Robinhood both through phone and email as none of their agent seem to understand my situation. Every time I called or emailed, they gave me a new ID number which created confusion. I requested multiple times to be connected to a manager or a supervisor without success. After over two weeks they reached out to me stating they did not find any unauthorized transactions. I reached out to them again to have an explanation and instead of telling how they came with the decision they opened another investigation. A manager named XXXX finally reached out to me by email where I explained to him what happened and attached to the emails also banks and credit cards letters where it was stated they had found unauthorized transactions on the same date ( XX/XX/2023 ) and because of these transactions they froze my accounts to safeguard them. After this email XXXX never replied but instead three other customer service agents started replying without answering my questions as I had also asked them to provide the details of the thieves debit card to the authorities or to me. After another two weeks the investigation again and gave me the same decision that no unauthorized was detected. I am still trying to contact them to talk to a manager but they are refusing to connect me. I have gone to the police to try to subpoena the account used to steal my money however they are requiring full card number and bank which I do not have. I have asked Robinhood to send me that information since to complete the transfers the thieves must had to put all their information but Robinhood is refusing to provide me with the thieves details. the lack of cooperation and assistance from Robinhood has left me in a distressing and vulnerable position. I firmly believe that your intervention and expertise are crucial in remedying this situation and ensuring the recovery of the stolen funds. I am prepared to provide all relevant documentation, including transaction records, emails and any other information necessary to facilitate your investigation and subsequent actions. Your prompt attention to this matter would be invaluable in alleviating the financial and emotional strain caused by this incident. Thank you for your attention and consideration.","date_sent_to_company":"2024-01-19T02:53:11.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"33125","tags":null,"has_narrative":true,"complaint_id":"8175481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2024-01-19T02:39:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["After I was able to report the unauthorized transactions to a <em>customer</em> service agent over the phone I have also submitted the police report and explained to them that the thieves had added their debit card through <em>transfer</em> my money from my brokerage saving account to their card. In fact on XX/XX/XXXX the thieves added their card with their <em>information</em> and change the password on my account. They used Robinhood instant <em>transfer</em> feature to <em>transfer</em> the money immediately."]},"sort":[13.472558,"8175481"]},{"_index":"complaint-public-v1","_id":"9969146","_score":12.990842,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against : XXXX XXXX ( DBA Aidvantage ) SEC File Number : XXXX IRS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Account Number XXXX [ XXXX ] I am filing a complaint against XXXX XXXX, operating under the name Aidvantage, for committing securities fraud by selling U.S. customer accounts to XXXX XXXX without proper disclosure or consent XXXX Additionally, XXXX XXXX is furnishing student loan information on consumer credit reports without authorization, violating several federal laws that protect consumer and student privacy. \n\nIn fiscal year XXXX, XXXX XXXX, sold accounts receivable, specifically XXXXoriginated accounts, to XXXX XXXX XXXX XXXX of a Receivables Purchase Agreement ( RPA ). These transactions involved selling customer invoices while maintaining administrative control over cash collection. This activity directly violates consumer rights and compromises the security of sensitive financial information. \n\nAs a student loan servicer, Aidvantage is obligated to prioritize the security and confidentiality of its borrowers ' financial information. By selling these receivables to a third party ( XXXX XXXX ) without explicit consent from the account holders, Aidvantage is compromising borrower privacy and security. \n\nThere has been inadequate disclosure to customers regarding the sale of their account information to XXXX XXXX. Borrowers have the right to know how their financial information is handled, including the sale or transfer of receivables. \n\nAidvantage is furnishing information to credit reporting agencies ( XXXX, XXXX, and XXXX ) without proper notification and approval from the consumers. This unauthorized reporting includes inaccuracies and fails to inform consumers of adverse credit reporting actions, violating their rights to privacy and accurate reporting. \n\nBy disclosing student loan information to credit reporting agencies without proper consent or notification, XXXX XXXX is violating the Privacy Act of 1974, which regulates how personal information is handled by government agencies and their contractors. XXXX protects the privacy of student education records. By furnishing student loan information to credit reporting agencies, XXXX XXXX is violating XXXX by disclosing educational record information without proper consent. \n\nThe actions of XXXX XXXX violate federal laws designed to protect consumers from unfair and deceptive practices, including but not limited to : 15 U.S.C. 45 - Unfair or Deceptive Acts or Practices ( UDAP ) : This law prohibits businesses from engaging in unfair or deceptive acts. The lack of transparency and unauthorized selling of customer accounts is deceptive. \n\n12 CFR Part 1026 ( Regulation Z ) : Implements the Truth in Lending Act ( TILA ), which requires clear disclosure of terms and conditions to consumers, including any transfer of account receivables that might affect borrowers ' rights. \n\nXXXX XXXX ( 15 U.S.C. 6801-6809 ) : This law requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data.\n\nI intend to file IRS Form 211 ( Taxpayer Advocate Services Information Referral ) to request an audit of consumer accounts. I will also file IRS Form XXXX to request that the IRS audit XXXX XXXX. with respect to my principal account and the income XXXX XXXX is making from the sales of the principal account consumer file. \n\nI demand that Aidvantage immediately cease all unauthorized furnishing of my information to credit reporting agencies ( XXXX, XXXX, and XXXX ) without my explicit notification and approval, as required under the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, and Family Educational Rights and Privacy Act ( FERPA ).","date_sent_to_company":"2024-08-30T20:59:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"9969146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-08-30T20:25:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX ( 15 U.S.C. 6801-6809 ) : This law requires financial institutions to explain their <em>information</em>-sharing practices to their <em>customers</em> and to <em>safeguard</em> sensitive data.\n\nI intend to file IRS Form 211 ( Taxpayer Advocate Services <em>Information</em> Referral ) to request an audit of consumer accounts."]},"sort":[12.990842,"9969146"]},{"_index":"complaint-public-v1","_id":"9968832","_score":12.968054,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Number : XXXX IRS XXXX XXXX XXXX XXXX, XXXX XXXX Virginia XXXX Account Number XXXX [ XXXX ] I am filing a complaint against XXXX XXXX, operating under the XXXX XXXX, for committing securities fraud by selling XXXX customer accounts to XXXX XXXX without proper disclosure or consent . Additionally, XXXX XXXX is furnishing student loan information on consumer credit reports without authorization, violating several federal laws that protect consumer and student privacy. \n\nIn fiscal year XXXX, XXXX XXXX, sold accounts receivable, specifically U.S.-originated accounts, to XXXX XXXX as part of a Receivables Purchase Agreement ( RPA ). These transactions involved selling customer invoices while maintaining administrative control over cash collection. This activity directly violates consumer rights and compromises the security of sensitive financial information. \n\nAs a student loan servicer, XXXX is obligated to prioritize the security and confidentiality of its borrowers ' financial information. By selling these receivables to a third party ( XXXX XXXX ) without explicit consent from the account holders, XXXX is compromising borrower privacy and security. \n\nThere has been inadequate disclosure to customers regarding the sale of their account information to XXXX XXXX. Borrowers have the right to know how their financial information is handled, including the sale or transfer of receivables. \n\nAidvantage is furnishing information to credit reporting agencies ( XXXX, TransUnion, and XXXX ) without proper notification and approval from the consumers. This unauthorized reporting includes inaccuracies and fails to inform consumers of adverse credit reporting actions, violating their rights to privacy and accurate reporting. \n\nBy disclosing student loan information to credit reporting agencies without proper consent or notification, XXXX XXXX is violating the Privacy Act of 1974, which regulates how personal information is handled by government agencies and their contractors. FERPA protects the privacy of student education records. By furnishing student loan information to credit reporting agencies, XXXX XXXX is violating XXXX by disclosing educational record information without proper consent. \n\nThe actions of XXXX XXXX violate federal laws designed to protect consumers from unfair and deceptive practices, including but not limited to : 15 U.S.C. 45 - Unfair or Deceptive Acts or Practices ( XXXX ) : This law prohibits businesses from engaging in unfair or deceptive acts. The lack of transparency and unauthorized selling of customer accounts is deceptive. \n\n12 CFR Part 1026 ( Regulation Z ) : Implements the Truth in Lending Act ( TILA ), which requires clear disclosure of terms and conditions to consumers, including any transfer of account receivables that might affect borrowers ' rights. \n\nGramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) : This law requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data.\n\nI intend to file IRS Form 211 ( Taxpayer Advocate Services Information Referral ) to request an audit of consumer accounts. I will also file IRS Form 3949-A to request that the IRS audit XXXX XXXX with respect to my principal account and the income XXXX XXXX is making from the sales of the principal account consumer file. \n\nI demand that XXXX immediately cease all unauthorized furnishing of my information to credit reporting agencies ( XXXX, TransUnion, and XXXX ) without my explicit notification and approval, as required under the Fair Credit Reporting Act ( FCRA ), Privacy Act of XXXX, and Family Educational Rights and Privacy Act ( FERPA ).","date_sent_to_company":"2024-08-30T21:00:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"9968832","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-30T21:00:09.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) : This law requires financial institutions to explain their <em>information</em>-sharing practices to their <em>customers</em> and to <em>safeguard</em> sensitive data.\n\nI intend to file IRS Form 211 ( Taxpayer Advocate Services <em>Information</em> Referral ) to request an audit of consumer accounts."]},"sort":[12.968054,"9968832"]},{"_index":"complaint-public-v1","_id":"16823952","_score":12.931367,"_source":{"product":"Checking or savings account","complaint_what_happened":"ENHANCED CFPB COMPLAINT Wells Fargo Bank , N.A . \n\nSubject : Pattern of employee misrepresentation, false assurances, and systemic failure to maintain commercially reasonable security procedures under UCC Article 4A and OCC Safety & Soundness standards. \n\nOn XX/XX/year>, I received four Wells Fargo Advanced Access codes by text from short-code XXXX between XXXX XXXX  and XXXXXXXX XXXX XXXXXXXX XXXX \nConcerned that these codes indicated an attempted unauthorized login, I immediately contacted Wells Fargo. \n\nAfter being transferred through initial representatives, I was referred to Employee ID XXXX, who took the call at approximately XXXX XXXX XXXXXXXX XXXX \nDuring the call, she repeatedly stated that the messages were bank mistakes and routine internal activity, and she assured me XXXX percent that no one was trying to access my account. \nShe opened XXXXXXXX XXXX XXXXXXXX as the record of that conversation, documenting her representation that the texts were internal and harmless. \n\nMinutes later, I called Wells Fargo again to verify this explanation. \nXXXX ID XXXX answered and reviewed XXXXXXXX XXXX XXXXXXXX. He confirmed that it had actually been opened as a fraud investigation and that the previous employees statements were false and misleading. \nHe recorded the correction in File XXXX XXXXXXXX, noting that the earlier employee had provided incorrect information. \n\nDuring this second call, I requested the most basic safeguard any modern financial institution should support : that all account changes or transactions occur only in branch and only after my identity is verified using my debit card PIN, not a drivers license alone. \nThe employee documented my request and replied that Wells Fargo does not have the technology or alert capability to inform or restrict branch personnel accordingly. \nThe verbatim note entered in File XXXX reads : Customer wants every transaction and every change in the account to be done in branch. \nCustomer must be verified with his debit card otherwise, no transaction or changes should be made. \nCustomer also wanted everyone to be alerted including branch bankers about this but I advised that we dont have that type of alert capability. \n\nThis admission exposes a severe deficiency in Wells Fargos security architecture. \nThe bank lacks even the most fundamental tools to communicate customer-specific security restrictions internally or to enforce in-branch identity verification using a debit card PIN. \nSuch a limitation renders its authentication procedures not commercially reasonable under UCC 4A-202 ( b ).\n\nUnder 4A-204 ( a ), when a banks inadequate security procedures allow fraud despite a customers ordinary care, the loss is the banks responsibility. \n\nBeyond the technical failure, this incident adds to a clear, documented pattern of employee misrepresentation and deceit that I have experienced across multiple Wells Fargo interactions. \nIn earlier cases ( see CFPB Case XXXX [ insert ] and OCC Case XXXX  [ insert ] ), other Wells Fargo employees also provided false assurances including a claim that I had approved a wire transfer at a time when my wire-notification system had been disabled.\n\nThis recurring behavior shows that misrepresentation is not exceptional at Wells Fargo ; it appears to be systemic and routine, reflecting either deliberate internal minimization or training deficiencies that mislead consumers about real risks.\n\nSuch conduct violates the expectation of honesty and due care that national banks owe to their customers under federal consumer-protection laws and OCC Safety and Soundness standards ( XXXX XXXX XXXX XXXX XXXX XXXX which require institutions to : Maintain adequate internal controls and authentication processes ; Communicate operational restrictions effectively throughout the organization ; and Safeguard customer assets from unauthorized access. \n\nWells Fargos own admission that it doesnt have that type of alert capability demonstrates failures on all three counts.\n\nIt also raises serious questions under the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ) prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ). \nRepresenting fraudulent-access alerts as routine internal mistakes, and assuring customers of safety when an investigation is already open, is deceptive conduct that erodes consumer trust and conceals material risks. \n\nThe combined effect is a security posture so weak that a criminal with only basic technical skills could bypass Wells Fargos safeguards.\n\nThe banks system relies not on layered authentication but on hope the benevolence or inexperience of thieves which is far below the standard of care expected of a federally regulated financial institution in 2025.\n\nNote to CFPB and Responding Institution : This submission contains verifiable data including exact timestamps, employee identification numbers, internal file references, and verbatim internal notations that document the banks admissions and procedural weaknesses. I respectfully request that Wells Fargos response address each factual element listed herein directly and not rely on generalized or template language. A generic response will not resolve the core issues of misrepresentation and failure to maintain commercially reasonable security procedures under UCC 4A-202 and 4A-204 and the OCC Safety and Soundness Standards ( 12 C.F.R. 30 Appendix A ).\n\nPlease ensure any Wells Fargo reply includes : A factual explanation of why four Advanced Access codes were generated on XX/XX/year> and what triggered them ; An internal confirmation or denial that File XXXX XXXXXXXX was opened as a fraud investigation ; A technical explanation of Wells Fargos current branch-notification and debit-card-PIN verification capabilities ; and Identification of which business unit or executive officer is accountable for these security controls.","date_sent_to_company":"2025-10-27T02:38:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"949XX","tags":null,"has_narrative":true,"complaint_id":"16823952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-27T02:10:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["He <em>recorded</em> the correction in File XXXX XXXXXXXX, noting that the earlier employee had provided incorrect <em>information</em>. \n\nDuring this second call, I requested the most basic <em>safeguard</em> any modern financial institution should support : that all account changes or transactions occur only in branch and only after my identity is verified using my debit card PIN, not a drivers license alone."]},"sort":[12.931367,"16823952"]},{"_index":"complaint-public-v1","_id":"12026166","_score":12.890141,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX Aidvantage Dispute Resolution Department Office of the Customer Advocate XXXX XXXX XXXX, TX XXXX Subject : FORMAL DISPUTE AND DEMAND FOR LOAN DISCHARGE DUE TO LEGAL VIOLATIONS Dear Aidvantage Dispute Resolution Department : I am writing to formally dispute the legitimacy of my student loan obligations transferred from XXXX to Aidvantage. Due to serious legal violations and breaches of the federal privacy laws, including the FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( FERPA ), the PRIVACY ACT OF 1974, and the HIGHER EDUCATION ACT, I demand the immediate cancellation of all financial obligations related to these debts.\n\nIt has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including Elon Musk or affiliated entities. This unauthorized access constitutes gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law.\n\nLEGAL GROUNDS FOR DISCHARGE : 1. FERPA VIOLATION : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.\n\n2. VIOLATION OF THE PRIVACY ACT OF 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals data managed by federal agencies and contractors.\n\n3. BREACH OF THE HIGHER EDUCATION ACT : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Aidvantage and subsequent data breaches demonstrate clear negligence.\n\n4. BREACH OF CONTRACT AND DATA SECURITY OBLIGATIONS : By failing to protect my sensitive information, both MOHELA and Aidvantage have breached contractual terms and obligations, rendering these debts unenforceable.\n\nDEMAND FOR RESOLUTION : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans.\n\nComplete removal of all Aidvantage-related entries from my credit report.\n\nWritten confirmation of this cancellation and credit correction within 30 days.\n\nIf my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.\n\nThank you for your prompt attention to this matter.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-11T07:11:47.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"58078","tags":null,"has_narrative":true,"complaint_id":"12026166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-02-11T07:03:30.000Z","state":"ND","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["FERPA VIOLATION : The exposure of my educational <em>records</em> without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable <em>information</em>.\n\n2. VIOLATION OF THE PRIVACY ACT OF 1974 : The mishandling and unauthorized disclosure of my personal <em>information</em> contravenes federal requirements that <em>safeguard</em> the privacy of individuals data managed by federal agencies and contractors.\n\n3."]},"sort":[12.890141,"12026166"]},{"_index":"complaint-public-v1","_id":"8197184","_score":12.812125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"UNITY XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon review of my consumer reports, it has come to my attention that XXXX XXXX XXXX is reporting an account on my consumer report that I did not give expressed permission or permissible purpose to report ( 15 USC 1681b2 ). \nAs a consumer, I have the right to privacy pursuant to 15 USC 1681, 15 USC 1682, 15 USC 6801, and 15 USC 1681n. My auto loan is private information and you have reported my private information without my consent. Your actions amount to aggravated identity theft. \n18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.\n\n( 1 ) In general. \nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \nAs a consumer, you have an obligation to protect my personal non-public information. \n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n( b ) FINANCIAL INSTITUTIONS SAFEGUARDS In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nYou reported my confidential and private information to non-affiliated third parties without my permission or without giving the proper disclosures. \n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \nI am requesting all of my disclosures ( pursuant 15 USC 6802b ) that you should have conspicuously disclosed to me before reporting my non-public personal information to non-affiliated third parties ( XXXX, Transunion, XXXX and XXXX ). \nI am exercising my right to opt out of having my information reported pursuant 15 USC 6802b. \nYour action has caused me and my family severe mental anguish and defamation of character. XXXX XXXX XXXX XXXX has stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. \n15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Furthermore, you have no lawful authority or permissible purpose to put any account on my consumer reports. You have 10 calendar days from the receipt of this notice to delete this account.","date_sent_to_company":"2024-01-21T19:38:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"8197184","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-21T19:05:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such <em>records</em> ; and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em>."]},"sort":[12.812125,"8197184"]},{"_index":"complaint-public-v1","_id":"16668094","_score":12.794544,"_source":{"product":"Checking or savings account","complaint_what_happened":"1. My complaint starts when I received a letter from Chase stating my account was closing. Chase stated there was concerning activity and I was instructed by Chase in writing to destroy all cards and checks associated with the accounts ( attached ). \n\nA. The concerning activity I attempted to appeal this decision through the CFPB to get directly in contact with the XXXX XXXX but was met with a response that their decision was remaining the same. In their response, I noticed they revised their original statement referring to it as unexpected activity when responding to my appeal ( attached ). I would like clarification on this inconsistency, as the original terminology used is associated with accusations, which brings me to the next part of my complaint ; When a Chase XXXX representative previously accused me of money laundering when discussing my personal transfers. This was documented as a complaint with Chase, and after making them aware of that statement, two Chase managers called me directly about the issue, attempting to discuss the statement that was made. Now I have received a letter from Chase, after a transfer that was performed, dated the same day, providing notice that my accounts will be closing. A transfer that was performed in accordance with Chases published guidance, and yet Chase ultimately blamed me for activity being concerning that it itself directed and encouraged.. I will be attaching Chases own How to Avoid a Fee terms ( attached ). \n\nB. Credit Card Fraud and Possible Identity Theft I followed the instructions in the letter directly as stated, then discarded all the material. On XX/XX/XXXX at XXXX XXXX   EST, a Chase representative contacted me to verify transaction activity and I then realized I fell victim to fraud. I explained the letter I received and having trouble destroying a metal card, but ultimately followed the instructions on the letter. The representative claims she has no idea what I was talking about and intimidated me for following instructions by Chase then later stated during the call that my Social Security number and personal data may have been compromised due my actions the very outcome that resulted from following Chases own written instructions. \n\n- This sequence of events reflects negligence and a deceptive practice under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions of the Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ). Furthermore, because Chases instructions directly created a risk of unauthorized use of my account and personal data, this also implicates Regulation E ( 12 C.F.R. 1005.6 ), which governs consumer liability and bank obligations following unauthorized transactions.\n\n2. Chases failure to deliver communications, including my account statements, through my authorized electronic communication channel, and the unauthorized disclosure of sensitive financial information 1. I was enrolled in Chase Banks paperless statements program, which required me to provide an email address for electronic communications.\n\n2. My original email address was later compromised, so I updated my email address in Chase Banks online system. Chase acknowledged and confirmed the updated email, and communications have been successfully sent to the new email since then. My old email was removed from my account profile and is no longer authorized. \n\n- When I updated my email address, this update served as an express revocation of consent for Chase to send any further electronic communications or statements to my previous email address. Chase acknowledged this change, and the old address no longer appeared in my online banking profile.\n\n3. After this update, I opened a new account with Chase, using the updated email address on the application. However, Chase sent communications, including statements, for this accountincluding account type, product type, balances, due dates, statement details, and the last 4 digits of my cardto my old, unauthorized email address. An address never provided for this account.\n\n4. I did not receive certain communications and statements at any authorized communication channel, preventing me from monitoring my accounts and accessing financial records I am entitled to. \n\nLegal and Regulatory Basis for Complaint 1. E-SIGN Act / Paperless Agreement Violation : Under the E-SIGN Act, electronic records must be delivered in a manner that ensures the customer can reliably access them. Chase failed to deliver statements to my authorized email, violating my rights under the paperless agreement.\n\n2. UDAAP Unfair and Abusive Practices ( Dodd-Frank Act 5531, 5536 ) : - Unfair : Chases failure to send statements to my authorized email caused substantial harm by preventing access to account information necessary for financial management.\n\n- Deceptive : Chase represented that my email information had been updated and that all paperless statements would be sent to my authorized address, which did not occur. - Abusive : Sending sensitive account information to an old, unauthorized\nemail interfered with my ability to manage my finances and exposed me to potential fraud risk.\n\nLegal basis for revoked consent A. E-SIGN Act Under 15 U.S.C. 7001 ( c ) ( 1 ) ( C ) ( ii ), consumers have the right to withdraw consent for electronic delivery at any time, and the institution must honor that withdrawal within a reasonable period.\n\nBy sending statements to the revoked address, Chase : * Ignored a withdrawn consent, and * Failed to provide effective electronic delivery as required by E-SIGN.\n\nUnder 15 U.S.C. 7001 ( c ) ( 1 ) ( C ) ( ii ), I had the right to withdraw or modify my consent to receive records at a specific electronic address. My email update and Chases acknowledgment constituted withdrawal of consent for the prior email address. By continuing to send records to that revoked address, Chase failed to comply with the E-SIGN Acts consumer consent and withdrawal provisions. \n\nB. Regulation P ( GLBA, 12 C.F.R. 1016.13 ) Regulation P also ties consent and authorization to nonpublic personal information sharing. Once you revoke consent, the bank must stop sending or disclosing information to that contact channel.\n\nUnder 12 C.F.R. 1016.13, financial institutions must respect consumer directions regarding disclosure and delivery of nonpublic personal information. My revocation of consent for th\ne prior email address made any further disclosures to that channel unauthorized under Regulation P.\n\n3. Violation of the Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( 15 U.S.C. 68016809 ; 12 C.F.R. Part 1016 ) - The GLBA and Regulation P require financial institutions to protect the confidentiality of nonpublic personal information ( NPI ) and to ensure that disclosures are made only to authorized recipients.\n\n- Chases continued transmission of account statements containing personal and financial details to an unauthorized, compromised email address constitutes a failure to safeguard NPI and an unauthorized disclosure under these provisions.\n\n4. Violation of the FTC Safeguards Rule ( 16 C.F.R. Part 314 ) - The Safeguards Rule, issued under the GLBA, requires financial institutions to maintain appropriate procedures to protect customer information from unauthorized access or disclosure.\n\n- Chases failure to prevent statements from being sent to an unauthorized email shows a breakdown in internal safeguards and information-security controls.\n\n5. Potential Violation of the Electronic Communications Privacy Act ( ECPA 18 U.S.C. 2511 ) - The ECPA prohibits the intentional transmission of electronic communications containing personal data to unauthorized or unintended recipients. By sending confidential statements to a deauthorized, compromised email address, Chase may have violated the ECPAs prohibition against the unauthorized disclosure of protected electronic communications.\n\n1. Following the account closure, I contacted Chase to request copies of my account statements, since I never received them through any authorized channel which banks are federally required to retain and make available. The representative named XXXX stated on a recorded line that I would need to step into a branch to receive my statements, despite me explaining that I was outside the country and unable to appear in person. When I informed her that such a requirement obstructs my rights as a consumer, she replied that it was procedure and then abruptly ended the call. \n\nAt the time my accounts were active, I was enrolled in paperless statements and regularly accessed them through Chase Online Banking. Since the closure, Chase has revoked my ability to view past statements electronically and now refuses to issue them physically by mail, thereby denying me access by both methods. This is not only unreasonable it is directly inconsistent with federal regulations requiring that consumers be able to access or reproduce their own account records within the retention period. \n\nChases refusal to provide statements through a reasonable and accessible means constitutes a violation of multiple consumer protection and recordkeeping laws, including : * 12 C.F.R. 1005.9 ( Regulation E ) and 12 C.F.R. 1030.6 ( Regulation DD ) Failure to provide periodic statement information as required for consumer accounts * 12 U.S.C. 5531 ( UDAAP ) Unfair restriction of access to financial records that causes harm the consumer can not reasonably avoid * 15 U.S.C. 7001 et seq. ( E-SIGN Act ) Denial of continued access to electronic disclosures and statements after consent was established Limiting statement access only to an in-branch process especially when the customer can not physically appear and previously received paperless electronic disclosures is an unfair and obstructive practice under federal law. It prevents the consumer from reviewing transactions, filing disputes, and maintaining accurate financial records, all of which constitute substantial harm. \n\nCompounding these issues, these incidents form a clear pattern of poor data handling, noncompliance, and consumer harm. I followed Chases instructions in good faith from discarding my cards and checks as directed, to maintaining updated contact information in my profile. Each time, Chases own actions resulted in harm, exposure, and blame directed at the customer. \n\nThe incident involving Chases unauthorized use of an old, compromised email address demonstrates that the customer had no control over the banks communications or internal processes, reinforcing that Chase not the customer is responsible for these failures. This sequence of events illustrates a systemic failure in Chases compliance, data protection, and customer communication practices, all of which place consumers at risk and violate federal privacy, banking, and consumer protection laws.","date_sent_to_company":"2025-10-17T07:31:46.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"06614","tags":null,"has_narrative":true,"complaint_id":"16668094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-17T07:09:42.000Z","state":"CT","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Violation of the FTC <em>Safeguards</em> Rule ( 16 C.F.R. Part 314 ) - The <em>Safeguards</em> Rule, issued under the GLBA, requires financial institutions to maintain appropriate procedures to protect <em>customer</em> <em>information</em> from unauthorized access or disclosure.\n\n- Chases failure to prevent statements from being sent to an unauthorized email shows a breakdown in internal <em>safeguards</em> and <em>information</em>-security controls.\n\n5."]},"sort":[12.794544,"16668094"]},{"_index":"complaint-public-v1","_id":"6569740","_score":12.7520485,"_source":{"product":"Mortgage","complaint_what_happened":"I have reached out to XXXX XXXXShellpoint Mortgage Servicing and has not received a response. This following statement serves as a Notice of Error. I decided to pay a lump sum principal payment to my original Mortgage company XXXX XXXX Bank in an effort to decrease my monthly payments in XX/XX/2011. The adjustment never showed on the Mortgage statement nor did my payments decreased. I tried to correct the issue with XXXX XXXX but to no avail. Shortly after, the Bank went under and my Loan was transferred to XXXX XXXX. The disclosure of my new balance with the new Mortgage company was improper and not correct. My lump sum payment to my principal was not applied, which did not reduce my mortgage payments to make my monthly payments more affordable going forward. I had provided a Notice of error and I tried numerous times and pleaded to the new Mortgage company about the inaccuracy they claimed they had no record of it and at the time I didnt not have a copy of my statements nor were they in electronic record. Eventually, Loan was transferred to XXXX XXXX. During this time, I fell behind in payments and they foreclosed my home only at the last minute granted me a loan modification. So, I was able to keep my home. My mortgage payments under new Servicer LoanCare increased and then Loan was transferred again and payments escalated to $ 2933 month my current Mortgage Holder XXXX XXXX and XXXX ShellPoint Mortgage Servicing. My original note was {$470000.00} and Sixteen years and 4 or 5 transfers later my balance is {$470000.00} with over {$85000.00} in arrear payments on the back end of my loan financed for 60 years. I have recently cleaned out my basement and fortunately and miraculously found a Bank Statement from XX/XX/2011 with a copy of the very lump sum check that was sent to XXXXXXXX XXXX before they went under making that principal payment that they did not give me credit for. I demand that my current Mortgage holder and Servicer apply and credit my lump sum payment to my principal Balance. Now that I have un-refutable evidence, I would like to be granted full credit or the Servicer will be in violation of RESPA12 CFR 1026.36 ( c ) ( 1 ). If they refuse, I have no other recourse but to seek legal. \n\nXXXX XXXX and Shellpoint Mortgage Servicing has been in violation of many laws and regulations as it pertains to my mortgage. \nThe Transfer of my Loan over numerous times have breached my promissory note and mortgage agreement. I am going to address the current investor/holder or Inheritor of my loan and its Servicer XXXX XXXX XXXX Investor/Holder ) and ShellPoint Mortgage Servicing ( Servicer ) which has breached my mortgage agreement on many instances rendered it null and void. The Gramm- Leach-Bliley Act ( GLBA ), there are also several privacy and security benefits required by the GLBA Safeguards Rule for customers, some of which include : Private information must be secured against unauthorized access. \nCustomers must be notified of private information sharing between financial institutions and third parties and have the ability to opt out of private information sharing. \nUser activity must be tracked, including any attempts to access protected records. \nXXXX XXXX and its Servicer has violated 15 U.S. Code 6802 of the GLB including its safeguard and Financial Privacy rules by sharing and providing nonpublic information to Credit Bureaus and nonaffiliated third parties. The GLB Privacy Rule, requires financial institutions to provide consumers with privacy notices describing how they use and disclose consumers ' personal information which I never received during the transfers of my loan which is a violation of the Fair Credit Reporting Act and Section 502 and 503 of the GLBA. I have not received a notice of its privacy policies and practices. As a result, my private information was compromised in an XXXX data Breach where my identity was stolen ( XXXX XXXX XXXX ) which information is furnished by financial institutions and servicers to nonaffiliated third parties. I am currently, in class action lawsuit with XXXX. Due to these violations, I am strongly considering issuing a complaint to the Federal Trade Commission ( FTC ) to investigate the violations by XXXX XXXX and its Servicer Shellpoint Mortgage Servicing. This Servicer has been Incorrectly handling my partial payments. It is my understanding that Servicers are required to take one of the following specific actions when they receive a partial payment from a borrower : crediting the payment, returning it to the consumer, or holding it in an unapplied funds account. However, my servicer put these payments in my escrow accounts rather than returning the amount or crediting it to my next monthly payment. \nFinally, XXXX XXXX and Shellpoint like my previous Mortgage holder and Servicers have violated the Truth In Lending Act ( TILA ) by improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures. I am a victim of Predatory lending which diminished my ability to repay debt and serves to benefit the lender. My interest only rate was at one time 9.5 % which was an extremely high-interest rates. There were hidden and excessive fees, undisclosed terms, and more. \nThey are required to provide consumers with 15 days advance written notice of a change to any term required to be disclosed under section 1026.6 ( a ) or where the required payment is increased which they failed. According to Transfer of Servicing 12 CFR 1024.17 ( e ) If the new servicer changes either the monthly payment amount or the accounting method used by the old servicer, then it must provide the borrower with an initial escrow account statement within 60 days of the date of transfer. When the new servicer provides an initial escrow account statement, it shall use the effective date of the transfer of servicing to establish the new escrow account computation year. In addition, if the new servicer retains the monthly payments and accounting method used by the old servicer. The New Servicer did not follow RESPA Rules and procedures to the latter.","date_sent_to_company":"2023-02-14T09:21:20.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"29063","tags":null,"has_narrative":true,"complaint_id":"6569740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-02-14T08:50:47.000Z","state":"SC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["The Gramm- Leach-Bliley Act ( GLBA ), there are also several privacy and security benefits required by the GLBA <em>Safeguards</em> Rule for <em>customers</em>, some of which include : Private <em>information</em> must be secured against unauthorized access. \n<em>Customers</em> must be notified of private <em>information</em> sharing between financial institutions and third parties and have the ability to opt out of private <em>information</em> sharing. \nUser activity must be tracked, including any attempts to access protected <em>records</em>."]},"sort":[12.7520485,"6569740"]},{"_index":"complaint-public-v1","_id":"2774395","_score":12.748786,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I sold a large piece of furniture to an individual on XXXX in XX/XX/XXXX. The buyer explained to me that he lived out of state and would be sending a mover to come pick up the item. \n\nThe buyer sent me a cashier 's check via XXXX received on Friday, XX/XX/XXXX, in the amount of {$1700.00} ; {$400.00} for the cabinet and the remaining {$1300.00} for the movers fee. The cashier 's check was from the bank, XXXX XXXX XXXX XXXX I deposited the check the next day, XX/XX/XXXX, at a Bank of America ATM in XXXX, NY. The buyer was supposed to send the movers the following week to pick up the item once I was able to confirm the check had cleared in full. \n\nOn Monday, XX/XX/XXXX, I went into the Bank of America branch on XXXX XXXX to check the status of this deposit. I was told by the branch supervisor that this check had been collected from the sender 's institution and was therefore posted in full on my account. After explaining that I was exchanging money with someone I do not know, he advised me to wait 1 more day to be 100 % certain the check cleared. There was not mention or suggestion of delaying this transaction to protect against potential fraud. You would think a branch supervisor would have the knowledge and the initiative to make sure their customers safeguard against the worst possible scenario. \n\nThe next day, Tuesday XX/XX/XXXX I returned to the same bank and confirmed with the same branch manager than the funds had cleared and were now available in my account. I told the sender that he could notify the movers to pick-up the item that day. Knowing that I would not be home in time to receive the overs, I withdrew the {$1300.00} movers feed in cash on Monday and left it with my partner to handle the transaction once I was able to confirm the check has cleared with the bank. \n\nThe buyer then notified me to tell me that he needed to pay the moving company in advance and the actual movers could not accept cash at the time of pick-up for liability reasons. Therefore, he requested a refund in the amount of {$1300.00} to pay the movers in advance. I told him I was not comfortable with wire transfer so he suggested to use the XXXX app hosted by Bank of America. \n\nBelieving in the safety and security of Bank of America as my trusted institution for 15+ years, I felt safe and secure about transferring money to someone within the network for the following reasons. \n\n1. A Bank of America supervisor told me on 2 separate occasions that the sender 's cashier 's check had cleared in full and was ready to be withdrawn against. \n\n2. Transferring money using a \" trusted app '' within my Banking network seemed to be the most secure transaction. I never believed a bank would stand behind a scammer using the bank 's own resources against them. \n\nLittle did I know this was all completely untrue. I successfully made a two bank transfers to this individual using the email provided to me. The first transfer was a test for {$1.00}. Once the buyer confirmed receipt, I then transferred the remaining {$1300.00} balance on XX/XX/XXXX. \n\nGiven the delay, pick-up was rescheduled for the next evening, Wednesday XX/XX/XXXX. There was no additional activity on the account that day. When I was leaving work, I received a notification displaying a negative balance on my account. I immediately called the bank to see what happened and I was told there was a hold on the cashiers check payment. I asked what the issue was and they told me they could not confirm until the following business day once the status of this reverse transaction was updated in the system. \n\nImmediately fearing the worst, I explained that I had just transferred funds against this deposit to another Bank of America account using the XXXX app. I asked them to reverse this transaction and I was told that could not be done until the issue cashiers check was finalized on my account. Instead the representative told me to go to the police station to file a report because it appeared the check was fraudulent. The rep explained that having a police report would allow the bank to step in and reverse the transaction if in fact, fraudulent activity had taken place. \n\nWorried, but confident in my banking institution, I went to the same bank the next morning to have a copy of the cashiers check printed for the police. I told the same supervisor that falsely advised me earlier in the week, the situation and was told with a police report, the bank would be able to reverse this transaction so I could recover my funds. \n\nI went to the local police station and filed a report for grand larceny on the morning of XX/XX/XXXX. I now have a detective working this case. \n\nI understand there are two every different issues here. The police will deal with the scammer, hopefully with the cooperation of the bank. The real issue I would like to focus on here is ... \n\n1. Bank of America 's inability and unwillingness to step in to a situation once fraud has been committed 2. Bank of America 's inept method of confirming check clearance to safeguard their customers against fraud. Whether this is to be chalked up to an industry misconception or simply a manager 's lack of responsibility is debatable 3. The federal government 's requirement to make funds available the next business day, with the ability for the funds to be deemed fraudulent and revoked up to 3 weeks later. The government and the banking institutions should be designed to protect their customers, not create an ecosystem for scammers to operate with their in depth industry knowledge, as regular everyday citizens are blinded by these intricate loopholes. \n\n\n1. To start with the bank ... \nI have spent hours on the phone with Bank of America, only to be told they can not recover the funds if the buyer does not consent. I was told conflicting information ; on one occasion I was told the cashiers check was fraudulent and it successfully passed through 2 layers of the banks fraud detection, resulting in a 3+ day notification delay. On another occasion, I was told the sender requested a stop payment therefore the bank was unable to collect the funds as initially intended. \n\nIn an effort to reimburse the funds, I was told my claim had been closed because the sender did not respond to their request regarding this case. Apparently, police reports mean nothing, as the scammer can simplify not respond or say n to returning funds. Quite the system considering it takes months to get subpoenas to take real action. \n\n2. I have since been in contact with the internal affairs investigation unit who claim they do n't record customer transactions so they are unable to verify whether the brand supervisor to me the cashier 's check has cleared in full. Since it took over 2+ months for them to even get in contact with me the brand supervisor has ample time to tell the staff he works with everyday how to answer the investigator 's questions, so he would not be at fault. \n\nIrregardless, I know the difference between right and wrong. There is no way a reputable institution should be able to falsely inform their customers time and time again, while failing to rectify a situation in which they support fraudulent activity within their institution. The fact that another Bank of America account is allowed to be used to scam customers is outrageous and the XXXX app is designed to support that type of activity. If the XXXX app allowed me to link transactions to a credit card rather than a checking account then this would not be an issue, because credit cards are protected. However, they have created and promote a product with falsified security that scammers embrace. \n\n3. And on top of it all, I am still completely appalled by the banking systems lack of protection against fraudulent activity. It seems as if the system is designed to point fingers at every other party involved rather than being a system in place to withhold integrity and safeguard the industry. Bank of America has blamed their inability to \" protect '' their customers on federal regulation requiring funds to be made available within one business day. Now that certainly seems to do a huge disservice to customers when there is no safeguard on the other end for fraudulent checks. A cashier 's check is purchased and received with the conception of an added level of security ; as two legitimate organizations vouches for their customers for the safety of the transaction. Now I fully understand there is no safety or assurance in place until the 3 weeks after the transaction, yet funds are made available the next day? There is a misconception that when a check is cleared, it means the funds have been verified and are now available in full. The public does not know there is a chance these funds can be withdraw up to 3 weeks from the initial transaction. It 's ludicrous to believe this is common knowledge, arranged to protect the general public, when in fact, it appears to be designed to do the exact opposite. \n\nI need this case to be resolved by returning the {$1300.00} to my account, working alongside law enforcement to conduct a full investigation to bring criminal charges against this individual. Rather, I 've been told by Bank of America that they amount in question is so small, they are surprised I even have a detective assigned to the case. Not exactly the attitude you want from the person that is supposed to be investigating the mis-actions taken by their own representative to bring you to this situation to begin with. \n\nBoth the bank and the federal government must also do a better job of creating a safe environment for their customers. \n\nShould you have any additional questions, please do not hesitate to contact me. I can supply additional information, if needed. Thank you in advance for your help in this matter.","date_sent_to_company":"2018-01-07T15:19:19.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"2774395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-01-07T14:24:33.000Z","state":"NY","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":["It seems as if the system is designed to point fingers at every other party involved rather than being a system in place to withhold integrity and <em>safeguard</em> the industry. Bank of America has blamed their inability to \" protect '' their <em>customers</em> on federal regulation requiring funds to be made available within one business day. Now that certainly seems to do a huge disservice to <em>customers</em> when there is no <em>safeguard</em> on the other end for fraudulent checks."],"product":["Money <em>transfer</em>, virtual currency, or money service"],"sub_product":["Domestic (US) money <em>transfer</em>"]},"sort":[12.748786,"2774395"]},{"_index":"complaint-public-v1","_id":"10400000","_score":12.520331,"_source":{"product":"Credit card","complaint_what_happened":"15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) FINANCIAL INSTITUTIONS SAFEGUARDS In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technica\nl, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.\n\nnonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. \nnonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution 15 U.S. Code 1681 ( a ) ( 3 ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. No one has been interviewed nor contacted. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have opted out of these companies system of records and yet they still violate my privacy according to the Privacy Act of 1974. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. P.L 90-321 ( 82 Stat. 146 ) There is no valid purpose here and I never gave any consent. XXXX. Public record information for employment purposes ( a ) In general A consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumer 's ability to obtain employment shall- ( 1 ) at the time such public record information is reported to the user of such consumer report, notify the consumer of the fact that public record information is being reported by the consumer reporting agency, together with the name and address of the person to whom such information is being reported ; These companies continuously fail to comply with the law 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is the fourth complaint that is being filed. Discover is in violation of the privacy terms and conditions in which they granted to me at account opening. Discover admits to retaliation against me for exercising my consumer rights which is against the LAW. Discover has committed identity theft by giving my nonpublic personal information to XXXX XXXX XXXX, XXXX, XXXX, and XXXX, XXXX. Furthermore Discover provided fair and honest disclosure about the material fact that Discover has an underwriting agreement with underwriters of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in which they have also sold my nonpublic personal information to without my written consent and they never provided far and honest disclosure of the fact ( All of these companies are non-affiliated third parties as described in Discovers privacy statement which was granted to me at account opening. ). This can be found in the Underwriting agreement under SF-3 Registered statements No. XXXX and XXXX ) Under pooling and servicing agreement Exhibit 4.2 Discover bank has transferred all titles, rights and interest in credit card receivables over to Discover Execute and Note Trust ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). Discover had not disclosed the fact that Discovers very own XXXX XXXX as Chief Financial Officer and Treasurer of Discover entered into a contract with the XXXX XXXX XXXX XXXX in which she promised to fulfill specific duties as outlined in her declaration statements to the XXXX. In Discovers prospectus dated XX/XX/XXXX with Discover Bank Sponsor, Originator of Assets and Servicer Central Index Key Number : XXXX Discover Funding LLC Depositor Central Index Key Number : XXXX Discover Card Execution Note Trust Issuing Entity of the Notes Central Index Key Number : XXXX Discover Card Master Trust I Issuing Entity of the Collateral Certificate Central Index Key Number : XXXX the following can be read : Discover Bank and the trustee for the master trust formed the master trust in XX/XX/XXXX. On the Substitution Date, the depositor assumed all the rights and obligations of Discover Bank, solely in its capacity as seller, under the pooling and servicing agreement. Prior to the Substitution Date, Discover Bank transferred credit card receivables generated under certain designated Discover Card accounts directly to the master trust. On and after the Substitution Date, Discover Bank transfers the receivables to the depositor pursuant to a receivables sale and contribution agreement, and the depositor transfers these receivables to the master trust. Those credit card receivables, which are unsecured, include principal receivables ( that is, amounts owed by customers representing the principal balances of cash advances, purchases that customers have made with their Discover Cards and balances transferred by customers to their Discover Card accounts from other credit card accounts ). They also include finance charge receivables ( that is, amounts owed by customers representing finance charges accrued on unpaid principal balances, late fees and other service charges ). As customers make additional principal charges and incur additional finance charges and other fees in accounts designated for the master trust, Discover Bank also transfers these additional receivables to the depositor for subsequent transfer to the master trust on an ongoing basis. During all times while the master trust certificates are outstanding, all new receivables generated on the designated accounts become assets of the master trust. Even though Discover Bank transfers receivables to the depositor which are in turn transferred to the master trust , Discover Bank continues to own and service the related accounts. The master Trusts assets include, or may include the following credit card receivables, cash payments by customers, cash recoveries on receivables in the master trust that have been charged off as uncollectible, the proceeds from sales and any other recoveries that the depositor has transferred to the mater trust relating to any charged off receivables that the depositor has removed from the master trust. funds on deposit in investor accounts and investment income on certain of those accounts ; a portion of the interchange fees paid by or through merchant acceptance networks, including the network maintained by XXXX XXXX XXXX, to Discover Bank ( and subsequently transferred to the depositor ) in connection with transactions on accounts of the type included in the master trust interests in other credit card receivables pools conveyed to the master trust in accordance with the pooling and servicing agreement, if applicable credit support or enhancement for any series of master trust certificates. Currency swaps for series denominated in foreign currencies and interest rate protection agreements. The collateral certificate represents an interest in the aggregate pool of receivables in the master trust, not an interest in any specific receivable or subset of the receivables. For information on the master trusts assets, see The Master Trust Master TrusXXXX Assets in this prospectus. Currently, the interest represented by the collateral certificate and the transferor interest owned by the depositor are the only outstanding interests in the master trust. However, the depositor, as holder of the transferor interest, has the right to issue additional master trust certificates at any time and from time to time. The receivables in the master trust as of XX/XX/XXXX totaled {>= $1,000,000}. In Discovers Third Amended and Restated Pooling and servicing agreement dated as of XXXX XXXX between Discover Bank Master servicer and servicer, Discover XXXX XXXX XXXX and XXXX XXXX XXXX as Trustee on behalf of certificateholders the following can be read : ( a ) The Transferor hereby sells, transfers, assigns and otherwise conveys to the Trust for the benefit of the Certificateholders, without recourse, all right, title and interest of the Transferor in and to the Receivables existing as of the Effective Date and thereafter created ( which become the property of the Trust on a daily basis as they arise ), all monies due or to become due with respect thereto, and all proceeds ( as defined in Section 9-102 ( a ) ( 64 ) of the UCC or a comparable or successor provision thereto, however numbered, as in effect in the State of Delaware ) of such Receivables. Additionally, the Transferor hereby sells, transfers, assigns and otherwise conveys to the Trust for the benefit of the Certificateholders, without recourse, all right title and interest of the Transferor in and to the Interchange for each Distribution Date and all proceeds ( as defined in Section 9-102 ( a ) ( 64 ) of the UCC as in effect in the State of Delaware or a comparable or successor provision thereto, however numbered ) of such Interchange. The Transferor does hereby further transfer, assign, set over and otherwise convey to the Trust for the benefit of the Certificateholders, without recourse, all of the Transferors rights, remedies, powers, privileges and claims under or with respect to the Receivables Sale and Contribution Agreement ( whether arising pursuant to the terms of the Receivables Sale and Contribution Agreement or otherwise available to the Transferor at law or in equity ). The Transferor intends such sale, transfer, assignment and conveyance to be an absolute transfer of such property. However, because, and only because, of the possibility that such sale, transfer, assignment or conveyance may be deemed to be a pledge of such property, the Transferor does hereby grant to the Trust, for the benefit of the Certificateholders, a security interest in such property. According to the Trust Indenture agreement Between Discover Card Execution Note Trust and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dated XXXX XXXX. The word noteholder can be defined as a person in whose name a Note is registered in the Note Register. My name is the name in which is the registered noteholder. Discover had a Fiduciary duty to me as the indenture states Section 707. Unconditional Right of Noteholders to Receive Principal and Interest ; Limited Recourse. Notwithstanding any other provisions in this Indenture, the Holder of any Note will have the right, which is absolute and unconditional, to receive payment of the principal of and interest on such Note on the Legal Maturity Date expressed in the related Indenture Supplement and to institute suit for the enforcement of any such payment, and such right will not be impaired without the consent of such Holder ; provided, however, that notwithstanding any other provision of this Indenture to the contrary, the obligation to pay principal of or interest on the Notes or any other amount payable to any Noteholder will be without recourse to any originator, the Transferor, Beneficiary, Depositor, the Indenture Trustee, the Owner Trustee or any Affiliate, officer, employee or director of any of them, and the obligation of the Issuer to pay principal of or interest on the Notes or any other amount payable to any Noteholder will be subject to Article V and the allocation, payment and subordination provisions of the applicable Indenture Supplement and limited to amounts available from the Collateral pledged to secure the Notes. Section 708. Restoration of Rights and Remedies. If the Indenture Trustee or any Noteholder has instituted any proceeding to enforce any right or remedy under this Indenture and such proceeding has been discontinued or abandoned for any reason, then and in every such case the Issuer, the Indenture Trustee and the Noteholders will, subject to any determination in such proceeding, be restored severally and respectively to their former positions hereunder, and thereafter all rights and remedies of the Indenture Trustee and the Noteholders will continue as though no such proceeding had been instituted. As one can see Discover is and has been in BREACH OF FIDUCIARY DUTY, BREACH of Duty of food faith, BREACH of duty of Care, Breach of Duty of loyalty. TO ME by their consistent acts of Bad Faith. This would be Promissory Estoppel and I would have a legal right to Sue. For Fraud and negligence. Due to Discovers negligence Discover has enslaved me into a form of slavery known as debt bondage which is also known as debt slavery which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). In which as a result I have endured Labor trafficking and XXXX trafficking. Debt Bondage also known as debt slavery, bonded labour, or peonage, is the pledge of a person 's services as security for the repayment for a debt or other obligation. In XXXX Discover the then XXXX XXXX XXXX and XXXX of Discover Financial Services XXXX. XXXX stated that Discover Financial Services is a XXXX based operating company while Discover is a banking and payment service company in the United States. XXXX stated that Discover made a commitment to continue to be transparent and communicate enhancements to company policies and due diligence process as it relates to modern slavery. XXXX XXXX expects employees, contractors and suppliers to work in accordance with the highest ethical standards and to comply with all relevant laws and regulations, including those around Modern Slavery. In the spirit of continuous improvement and in alignment with our core value of Doing the Right Thing, we are committed to reviewing our internal practices and maturing our efforts to combat human trafficking and modern slavery. \nIf there is anything within this report that Discover would like to rebut Discover must do so in writing under a signed declaration of oath under penalty and perjury rebutting each item line item by line item utilizing the LAW as stated with citations being referenced as I have. Any attempt of communication that does not provide for remedy or equitable relief will constitute as further harassment. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.","date_sent_to_company":"2024-10-09T15:42:47.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10400000","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-10-09T14:55:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such <em>records</em> ; and ( 3 ) to protect against unauthorized access to or use of such <em>records</em> or <em>information</em> which could result in substantial harm or inconvenience to any <em>customer</em>."]},"sort":[12.520331,"10400000"]},{"_index":"complaint-public-v1","_id":"16837401","_score":12.453234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Acct # XXXX I am writing to file a formal complaint regarding Ally Financials release of my personal and financial information to a third-party debt collector and the reporting of inaccurate or incomplete information to credit reporting agencies. \n\nI recently received communication from XXXX, XXXX XXXX XXXX XXXX XXXX, who claims to be collecting a debt allegedly owed to Ally Financial. I have not received proper notice that my account was sold, transferred, or assigned, and I did not authorize Ally Financial to share my personal or account information with this or any other third party. \n\nUnder the Gramm-Leach-Bliley Act ( GLBA ), Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ), financial institutions are required to : Safeguard customer data and limit its disclosure to authorized parties ; Ensure that all information furnished to third parties or credit bureaus is accurate, complete, and verifiable ; Provide written notice to the consumer when an account is sold or assigned to another entity. \n\nTherefore, I am requesting that Ally Financial provide the following documentation within 30 days : 1. The reason and date my personal or account information was disclosed to the debt collector ; 2. The name, address, and legal authorization of the debt collector that received my information ; 3. A copy of any assignment, sale, or servicing agreement authorizing this disclosure ; 4. A detailed record of all data shared with the collector and credit bureaus ; 5. Verification that all information reported about this account is accurate, complete, and lawfully transmitted ; 6. Confirmation of steps Ally has taken to correct or remove inaccurate data and to ensure compliance with federal and state privacy laws.\n\nIf this issue is not properly addressed, I will submit formal complaints to the Federal Trade Commission ( FTC ), and the Maryland Office of the Attorney General for further investigation into potential violations of federal privacy and credit reporting laws.","date_sent_to_company":"2025-10-28T02:43:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20747","tags":null,"has_narrative":true,"complaint_id":"16837401","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-10-28T02:33:12.000Z","state":"MD","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have not received proper notice that my account was sold, <em>transferred</em>, or assigned, and I did not authorize Ally Financial to share my personal or account <em>information</em> with this or any other third party."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[12.453234,"16837401"]},{"_index":"complaint-public-v1","_id":"15767247","_score":12.392284,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have not lived at XXXX XXXX XXXX, XXXX XXXX, CA XXXX since XX/XX/year>. Despite repeatedly notifying JP Morgan Securities and Chase Bank that my address has changed, I continue to receive sensitive financial mail including securities account documents at this old address.\n\nI have submitted multiple requests to update my address through both the call center and local bank representatives. Each time, I was assured the change had been processed. Nevertheless, the United States Postal Service has confirmed that mail from JP Morgan/Chase is still being delivered to the XXXX XXXX XXXX .\n\nThis situation creates significant risks. I do not know who currently resides at XXXX XXXX XXXX, and I can not confirm what personal or financial data ( including my Social Security number and securities account details ) may have been exposed.\n\nWhenever I contact Chase or JP Morgan to resolve this issue, I am transferred repeatedly between departments, often for over an hour at a time. The call centers, frequently based overseas ( e.g., XXXX  XXXX ), provide conflicting information or outright misrepresentations. I am consistently told the issue is resolved, yet my financial mail continues to go to the old address.\n\nThis is a clear failure in safeguarding sensitive financial records and a potential violation of regulatory obligations regarding customer communications and data protection. I am requesting immediate investigation, correction of my address in all systems, confirmation of what data has been disclosed to the wrong address, and accountability for the mishandling of my personal financial information.\n\nThe call center employees have lied and denied my requests to fix this problem several times. I have wasted hours attempting to escalate this.","date_sent_to_company":"2025-10-16T17:16:15.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15767247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-06T19:14:21.000Z","state":"IL","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This is a clear failure in <em>safeguarding</em> sensitive financial <em>records</em> and a potential violation of regulatory obligations regarding <em>customer</em> communications and data protection. I am requesting immediate investigation, correction of my address in all systems, confirmation of what data has been disclosed to the wrong address, and accountability for the mishandling of my personal financial <em>information</em>.\n\nThe call center employees have lied and denied my requests to fix this problem several times."]},"sort":[12.392284,"15767247"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":300,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":300}]}},"product":{"doc_count":300,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":115,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":113},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal 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