{"took":173,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":70,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14664707","_score":18.320774,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Apple Savings ( operated by Apple Card partner bank Goldman Sachs ) for persistent systemic failures and obstruction of legitimate transactions, resulting in financial harm. \n\nKey Issues : Account Access Denial : Apple Savings system falsely states No Account Found despite my active savings account. I have repeatedly contacted support, but the issue persists. Each call forces me to verify my identity with the credit card department before discussing savingsan inefficient and burdensome process. \n\nDeliberate Obstruction of Withdrawals : Apple Savings consistently blocks transfers to external institutions, including Treasury Bill investments and XXXX XXXX. I provided full verification to XXXX, but Apple Savings obstructed the transaction. This matches a pattern : XXXX prior withdrawal attempts to other banks were inexplicably blocked, suggesting Apple Savings imposes arbitrary barriers. \n\nFailure to Address Complaints : I have escalated this XXXX times since [ Month/Year ]. Each interaction ends with empty promises of technical team reviews, yet no resolution or callback occurs. This demonstrates reckless disregard for consumer rights. \n\nDemands : Investigate Apple Savings withdrawal obstruction practices under 12 CFR 1005 ( Regulation E ).\n\nRequire Apple Savings to : ( a ) Fix account access immediately ; ( b ) Process all pending withdrawals ( including XXXX XXXX XXXX XXXXXXXX XXXX ) ; ( c ) Compensate for financial losses ( e.g., missed XXXX  rates ) ; ( d ) Implement auditing to prevent recurrence. \n\nHold Apple Savings accountable for violating CFPB UDAAP guidelines ( Unfair, Deceptive Acts and Practices ). \n\nAttachments : Transaction records, case numbers [ XXXX XXXX XXXX XXXX ], and XXXX XXXX verification proof. \n\nXXXX","date_sent_to_company":"2025-07-15T22:00:07.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"14664707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-07-15T20:19:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Deliberate Obstruction of Withdrawals : Apple <em>Savings</em> consistently blocks transfers to external institutions, including Treasury <em>Bill</em> <em>investments</em> and XXXX XXXX. I provided full verification to XXXX, but Apple <em>Savings</em> obstructed the transaction. This matches a pattern : XXXX prior withdrawal attempts to other banks were inexplicably blocked, suggesting Apple <em>Savings</em> imposes arbitrary barriers. \n\nFailure to Address Complaints : I <em>have</em> escalated this XXXX times since [ <em>Month</em>/Year ]."],"product":["Checking or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[18.320774,"14664707"]},{"_index":"complaint-public-v1","_id":"10701798","_score":16.671663,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> - XXXX XXXX  I contacted SoFi about closing a small/newer investment account early due to needing funds for a car issue. SoFi XXXXXXXX team directed me to direct cash withdrawal to linked SoFi XXXX account. They sent a note along to the XXXX XXXX team to allow for the transfer and closure of the account. No problems. \n\nHours later XXXX XXXX  I get an email that SoFi has put my checking/savings account under restriction and frozen assets. Huge problem, this is my main checking for daily transactions and bill/utility payments. \n\nI call the \" security team '' listed on the email about XXXX times, and they repeatedly reach out to the \" review team '' and there are \" no notes and no ETA on when account will be unlocked. '' I have verified with security that no fraud charges are shown, no odd activity, my rent and a recent bill, and gas and fast food are the only transactions showing this month. Cash was sent from a friend, but SoFi does not restrict amount of cash into account, and this was far below the federal deposit limits of $ 5K per day.\n\nI also spoke to the Invest side multiple times to confirm my SoFi directed actions I took this morning of XXXX were not causing the restriction, they confirmed they did not. However, they said that now that the \" banking '' side had a restriction blocking deposits and debits from checking or savings, that my actions I've taken may also not go through if the block is still in place when it processes. \n\nAfter multiple calls and assurances they are \" looking into it '' this bank can not show me what I have done or what they think they see to hold my ( less than XXXX $ amnt ) in my main checking hostage. This is absolutely asinine.","date_sent_to_company":"2024-11-07T02:16:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"43016","tags":null,"has_narrative":true,"complaint_id":"10701798","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2024-11-07T01:59:08.000Z","state":"OH","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Huge problem, this is my main checking for daily transactions and <em>bill</em>/utility payments. \n\nI call the \" security team '' listed on the email about XXXX times, and they repeatedly reach out to the \" review team '' and there are \" no notes and no ETA on when account will be unlocked. '' I <em>have</em> verified with security that no fraud charges are shown, no odd activity, my rent and a recent <em>bill</em>, and gas and fast food are the only transactions showing this <em>month</em>."],"product":["Checking or <em>savings</em> account"]},"sort":[16.671663,"10701798"]},{"_index":"complaint-public-v1","_id":"6762778","_score":16.454086,"_source":{"product":"Checking or savings account","complaint_what_happened":"**FOR THE RECORD **I have never filed a CFPB complaint about my USAA Checking account. My previous complaints with USAA involved savings and fraudulent investment accounts. If my complaint isn't processed I will have to elevate this matter to the Dept of Justice. XXXX XX/XX/2023 USAA Locked my checking/debit card account due to suspected fraud against my account. At the same time USAA continues to conduct normal business involving my checking account by allowing automatic withdrawals to continue and assessing late fee for unpaid bills normally paid by the same checking account. I'm currently XXXX in the XXXX and I travelled to the US Embassy to place a phone call to USAA. When I reached the service representative I informed her that I was calling from the embassy and we proceeded to conduct ID verification all the way to providing my SSN the she ended the call. Every attempt to unlock the account through the USAA portal has been blocked or deactivated. There are specific Q & A 's built into my profile for this exact purpose that I can not access. I made reference to this problem two weeks in a follow-up to a congressional inquiry. This is the second occurrence in as many months that USAA has locked my account at their own discretion. I am extremely concerned that there is something more sinister involving USAA. There is absolutely no justification for USAA to lock my account for essentially the entire month.","date_sent_to_company":"2023-03-29T01:50:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"206XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6762778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-03-29T01:39:59.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["**FOR THE RECORD **I <em>have</em> never filed a CFPB complaint about my USAA Checking account. My previous complaints with USAA involved <em>savings</em> and fraudulent <em>investment</em> accounts. If my complaint isn't processed I will <em>have</em> to elevate this matter to the Dept of Justice. XXXX XX/XX/2023 USAA Locked my checking/debit card account due to suspected fraud against my account."],"product":["Checking or <em>savings</em> account"]},"sort":[16.454086,"6762778"]},{"_index":"complaint-public-v1","_id":"8268580","_score":15.729643,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have banked with Chase for over 40 years. During that period I regularly deposited all my income from work and any sources into my Chase checking. At times, these were significant sums. I spent my entire career in the nonprofit arts sector where salaries were not great, but I was fortunate. In 2008, I had close to {$100000.00} in a Chase Investment Account. When the XXXX crash occurred that sum was reduced to {$38000.00} and I was required by Chase to close the account because my balance was below {$50000.00}. I had just left government employment and was searching for a job. Within days the arts sector in XXXX, my home, eliminated over XXXX jobs across all institutions, large and small. I was never able to accumulate savings again. \n\nNow I am XXXX and on a modest fixed income. For the past 8-9 months I have found it difficult to stay afloat and have been overdrawing my account to pay scheduled bills. Chase regularly charges me {$34.00} for each overage, even though many of these are for very small sums- for example, {$5.00}, {$7.00}. These overage charges both cause additional overages and make it harder and harder to ever catch up. I simply cant bear up under this strain anymore. It has become unbearable. Only greed can cause this - and the failure of the government to regular vulture capitalism. I need protection.","date_sent_to_company":"2024-02-01T19:14:34.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"10065","tags":"Older American","has_narrative":true,"complaint_id":"8268580","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-01T18:50:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I was never able to accumulate <em>savings</em> again. \n\nNow I am XXXX and on a modest fixed income. For the past 8-9 <em>months</em> I <em>have</em> found it difficult to stay afloat and <em>have</em> been overdrawing my account to pay scheduled <em>bills</em>. Chase regularly charges me {$34.00} for each overage, even though many of these are for very small sums- for example, {$5.00}, {$7.00}. These overage charges both cause additional overages and make it harder and harder to ever catch up."],"product":["Checking or <em>savings</em> account"]},"sort":[15.729643,"8268580"]},{"_index":"complaint-public-v1","_id":"21781843","_score":15.170449,"_source":{"product":"Checking or savings account","complaint_what_happened":"Im reaching out to request your advice on a situation involving XXXX XXXX XXXX  and their affiliated advisor through XXXX XXXX that I believe involves misrepresentation and undisclosed fees. \n\nI have banked with XXXX XXXX XXXX  for many years and have an established relationship with my banker, XXXX XXXX. I have consistently made it clear to him that I do not invest in stocks, bonds, or any products involving risk, as I regularly use my funds for real estate purchases and need liquidity. \n\nApproximately XXXX years ago, I moved funds into Treasury Bills through XXXX. About a year later, he and his counterpart, XXXX, advised me to move those funds into what they described as a completely liquid money market savings account offering approximately 5 %. Based on those representations, I agreed to move my funds.\n\nAt no point during that process was I informed of any commission or fee associated with this account.\n\nRoughly a year and a half later, I had an additional {$250000.00} {$300000.00} available. I reached out via text to ask what rate I was currently receiving and was told approximately 4.6 %. Based on that information, I transferred additional funds. Again, no fees or commissions were disclosed to me in connection with this transfer. All of these communications were documented via text.\n\nI later referred my sister to them. During her interaction, a commission fee ( approximately {$1700.00} ) was disclosed to her for a similar product. This prompted me to question whether I had been charged any such fees.\n\nWhen I asked XXXX directly via text whether I had been charged a commission and why it had not been disclosed, he responded that I had effectively recouped the commission within one month, which does not appear to be accurate. At that time, he still represented that my funds were in a money market savings account.\n\nI then contacted XXXX XXXX directly. They informed me of the following : My funds were not in a traditional money market savings account, but instead invested in market-based instruments ( stocks ).\n\nI had been charged two separate commissions of approximately {$3000.00} eachone on the initial investment and another on the additional funds.\n\nMy actual return for XXXX  was approximately 0.46 %, not the 4.6 % 5 % that had been represented to me in writing.\n\nThe account had experienced losses.\n\nI raised these concerns with XXXX and XXXX and requested that the fees be reversed and the situation corrected. They escalated the matter to their regional manager, XXXX, who stated that nothing could be done because I had signed an agreement.\n\nHowever, during a subsequent call with all parties present, one of their representatives acknowledged that fees and commissions had not been disclosed to me, stating my bad.\n\nGiven the above, I am concerned that I was misled regarding the nature of the investment, the level of risk, the liquidity of the funds, and the associated fees.\n\nI would greatly appreciate your assessment of whether this situation may constitute misrepresentation, failure to disclose material information, breach of fiduciary duty, or other actionable claims, as well as your guidance on next steps.\n\nI have retained all relevant communications, including text messages and account documentation, and can provide them for your review.\n\nPlease let me know a convenient time to discuss.","date_sent_to_company":"2026-05-01T06:58:19.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"937XX","tags":null,"has_narrative":true,"complaint_id":"21781843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CVB FINANCIAL CORP.","date_received":"2026-05-01T06:50:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I <em>have</em> banked with XXXX XXXX XXXX  for many years and <em>have</em> an established relationship with my banker, XXXX XXXX. I <em>have</em> consistently made it clear to him that I do not invest in stocks, bonds, or any products involving risk, as I regularly use my funds for real estate purchases and need liquidity. \n\nApproximately XXXX years ago, I moved funds into Treasury <em>Bills</em> through XXXX."],"product":["Checking or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[15.170449,"21781843"]},{"_index":"complaint-public-v1","_id":"4775934","_score":14.526985,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My Navy Federal Credit Union account was hacked in XX/XX/XXXX. A {$4900.00} cash advance was taken via my Visa, and that a d other monies were taken from my checking and savings accounts. Some of the stolen money was moved to an account someone opened in my name in another bank. NFCU caught the charges and called me at home to see if I had authorized the transaction. I had not. They said it was done on a XXXX XXXX Tab from Virginia. I have never been in Virginia, have never used a mobile device for banking, and have never taken a cash advance, nor have I borrowed any money since XXXX. I told them so, and we spent two hours resetting all my accounts with them.\n\nNFCU later told me they were holding me liable for the original cash advance, as the money was sent to me, and that I had somehow profited from the theft. I appealed, but nothing was changed. I appealed again, and still no change. They started charging me interest, then took money from my checking account without my knowledge. I have always paid my account in full each month, so I owed them nothing. I told them in writing that the charge was not mine and I had no intention of paying it.\n\nThe {$5000.00} balance appeared on my credit report so I disputed it with Experian. NFCU said they were investigating, but they were not. NFCU then took my entire 21-year history off my credit report -- checking, savings, credit, and investment accounts were all completely gone!\n\nThen NFCU started calling me harassing me about paying this overdue account. Every time they called, at least weekly, I told them this is not my bill and I have no intention of ever paying it. I took all the money from my checking and savings accounts so they wouldn't steal any more from me.\n\nThere is an account linked to mine for someone I don't know.\n\nMoney went through a clearinghouse in South Dakota, but I don't have the numbers to trace it further.\n\nIf NFCU had done any sort of investigation they would have discovered all this and more ; I could not have done any of the transactions. I was at home with no internet access or cell phone service when it happened! \nI need my credit report information restored, the fraudulent activity purged from my accounts, and the money returned that they took. I have had no income since XXXX, and can not afford to lose what little I have. That was also my only credit card account, which I can no longer use.","date_sent_to_company":"2021-10-04T04:46:02.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"370XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4775934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-10-04T04:06:44.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I <em>have</em> always paid my account in full each <em>month</em>, so I owed them nothing. I told them in writing that the charge was not mine and I had no intention of paying it.\n\nThe {$5000.00} balance appeared on my credit report so I disputed it with Experian. NFCU said they were investigating, but they were not. NFCU then took my entire 21-year history off my credit report -- checking, <em>savings</em>, credit, and <em>investment</em> accounts were all completely gone!"]},"sort":[14.526985,"4775934"]},{"_index":"complaint-public-v1","_id":"4612017","_score":14.515513,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX, Texas XXXX To whom it may concern : I have had an account with USAA for 15 years. This year I have had a GREAT deal of problems with paying my mortgage automatically. I will recap what I have experienced and show a pattern of ineptness. Since XX/XX/XXXX, my monthly mortgage payment was {$1400.00}. \n- XX/XX/XXXX I paid {$1400.00}. \n- XX/XX/XXXX I paid {$1400.00}. \n\nFor some reason the automatic pay was canceled for XXXX, XXXX. After I was notified by the mortgage company I tried to rectify it right away. \nI requested {$4300.00} in XXXX, to cover XXXX, XXXX and XXXX. I wasnt told it would take 2 months to process. \n- XX/XX/XXXX, I paid {$1400.00}. \n\nThen extra payments were generated by USAA, on their own. \n- XX/XX/XXXX {$1400.00} directly to XXXX XXXX. \n- XX/XX/XXXX {$1400.00}. \n\nXX/XX/XXXX I was charged {$29.00} for NSF due to the extra payments USAA sent to my mortgage bank. \nXX/XX/XXXX I had to transfer {$5000.00} from my investments to cover the extra payments USAA sent to my mortgage bank. Losing {$250.00} in interest. \nXX/XX/XXXX. I paid {$2800.00}. Mortgage bank didnt receive payment until XX/XX/XXXX. \n\nI believe at this point the representative convinced me I needed to replace my debit card to rectify USAAs error. This led to new turmoil for my bills that were linked to my previous debit card, yet did not fix the overall problem. \n\nXX/XX/XXXX I paid {$140000.00}. \nXX/XX/XXXX, I transferred {$700.00} from savings to cover USAAs erroneous payments. \nXX/XX/XXXX, I transferred {$10000.00} from my investments to cover USAAs erroneous payments. Lost {$350.00} interest. \nXX/XX/XXXX, {$140000.00} was taken from my account paid to the mortgage company. \nXX/XX/XXXX, I paid {$1400.00}. ( not a typing errorit was paid twice in the same day ). \nXX/XX/XXXX, Check for XXXX, XXXX and XXXX was {$4300.00} arrived at the mortgage company. \n\nYear to date I have paid {$18000.00} to my mortgage, for my monthly payment of {$1400.00}. \n\nEach month I called and was assured it was resolved. I talked to representatives, IT and supervisors who work with unusual cases, yet the problem has continued. I dont know many people who can afford making four mortgage payments per month. \n\nI followed their instructions : I deleted, then created the mortgage account again. As you can see, this has not helped the situation. I deleted the request totally. I check every day to see if there is any unusual transactions.. \n\nThey need to be aware, that this happened and their staff couldnt fix it. My confidence in USAA has really eroded. Im considering leaving USAAthis used to be the gold standard of customer service ; however, I have heard from other USAA customers I know that service has gone downhill. Based upon my experience, I agree. I am opening a complaint with the CFPB, because this issue has affected my investments and credit history. I have spent hours on the phone with USAA trying to resolve this, to no avail. \n\nId like them to compensate me the {$600.00} interest ramifications of pulling {$15000.00} out of my investments and the {$29.00} NSF charge, as well as rectifying any damage to my credit score. I hope they will, at long last, fix this issue going forward, and compensate me for the time and trouble thus far. \n\nSincerely, XXXX XXXX XXXX Member #. XXXX","date_sent_to_company":"2021-08-07T13:46:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"29020","tags":"Older American","has_narrative":true,"complaint_id":"4612017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2021-08-07T12:58:32.000Z","state":"SC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["This led to new turmoil for my <em>bills</em> that were linked to my previous debit card, yet did not fix the overall problem. \n\nXX/XX/XXXX I paid {$140000.00}. \nXX/XX/XXXX, I transferred {$700.00} from <em>savings</em> to cover USAAs erroneous payments. \nXX/XX/XXXX, I transferred {$10000.00} from my <em>investments</em> to cover USAAs erroneous payments. Lost {$350.00} interest. \nXX/XX/XXXX, {$140000.00} was taken from my account paid to the mortgage company."],"product":["Checking or <em>savings</em> account"]},"sort":[14.515513,"4612017"]},{"_index":"complaint-public-v1","_id":"7355943","_score":14.466234,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to inform you of a situation regarding XXXX of my banking institutions and some practices they have which I feel are deceptive and/or fraudulent. Neither bank is posting the fees and minimums for the types of Checking and Savings Accounts that I have/had as of XX/XX/XXXX. \n\nIn XX/XX/XXXX I discovered I had been charged monthly service fees on my Wells Fargo Savings Account for the past 3 months. I thought I was well within the minimums and deposit requirements for this account however, what I found out was that because my account is so old, Wells Fargo no longer posts the Fees and minimums for their Money Market Savings Accounts. When I look on their website and download the fee and minimum schedule, they only list XXXX accounts, a Way2Save Account and a Platinum Savings Account. I assumed I had a Way2Save Account or that the fees and minimums were the same. Additionally in XXXX I was a victim of their account opening scandal where I was told I needed to open a seperate Way2Save Savings Account as overdraft protection since neither my checking or saving accounts. This account was closed when I found out that I was lied too. I assumed my Money Market fees were similar to this account, however, they were not. The minimum for the Way2Save was {$300.00}. I found out from contacting Wells Fargo that my Money Market Account was {$2500.00} or it can be waived with a {$75.00} recurring monthly deposit from my checking account. This is closer to the fees associated with the Platinum Account. \n\nAfter finding out I had been charged these fees, I called XXXX XXXX and looked online to find out the fees for my XXXX XXXX XXXX XXXX Account and Money Market Savings Account. They also did not have these posted as both accounts had been grandfathered in. The XXXX XXXX  Representative I spoke with over the phone was also not able to provide me with the fees and minimums schedule for these accounts. She switched my Savings Account to XXXX of their newer versions saying it was a better account, but she thought the Silver Checking was better than their current options. I'm currently trying to take advantage of the higher Treasury Bill returns and have been keeping as little as required in my checking and savings accounts. \n\nLater XXXX also charged me a fee after I had spoken with the Representative, I had to call and get it reversed. I later found out they should not have charged me any fees because fees were waived as long as I had a credit card account with XXXX which I had had since opening the account. Wells Fargo also reimbursed me {$22.00} or {$7.00} for each {$10.00} I was charged. \n\nIn summary, I feel not posting minimums is a deceptive practice and that banks should be required to clearly and concisely provide this information to their customers. I had my accounts set up so that I could keep minimal amounts in them, specifically for times like this when there are better investment avenues. Also, banks should not be able to randomly charge fees when they are not supposed too. It is infuriating how much power the banks have over the people of the XXXX. The banks should serve the people, not the other way around. \n\nIn summary, I want to make you aware of this issue and hope that the regulations can be improved or enforced to require banks to provide fees and minimum information for all account types in use. \n\nThank you for your time. \n\nRespectfully, XXXX XXXX XXXX, PE XXXX XXXX","date_sent_to_company":"2023-08-05T13:06:29.000Z","issue":"Problem caused by your funds being low","sub_product":"Savings account","zip_code":"68025","tags":null,"has_narrative":true,"complaint_id":"7355943","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-05T12:51:27.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I am writing to inform you of a situation regarding XXXX of my banking institutions and some practices they <em>have</em> which I feel are deceptive and/or fraudulent. Neither bank is posting the fees and minimums for the types of Checking and <em>Savings</em> Accounts that I <em>have</em>/had as of XX/XX/XXXX. \n\nIn XX/XX/XXXX I discovered I had been charged monthly service fees on my Wells Fargo <em>Savings</em> Account for the past 3 <em>months</em>."],"product":["Checking or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[14.466234,"7355943"]},{"_index":"complaint-public-v1","_id":"5529625","_score":14.45295,"_source":{"product":"Mortgage","complaint_what_happened":"Short summary : Chase Bank refuses to accept a mortgage payment from a savings account at XXXX XXXX, claiming it is policy. The mailed statements provide a section to fill in the name and routing number of another institution, and select a checking or savings account! \n\nXX/XX/XXXX, originated a cash out refinance through XXXX Bank loan finally completed on or about XXXX XX/XX/XXXX. \n\nXXXX Bank then forwarded the loan to J.P. Morgan Chase for servicing. \n\nXXXX XX/XX/XXXX- First payment to Chase for mortgage due XXXX XX/XX/XXXX- attempted to pay mortgage online. Was given confirmation #, but did not know it was declined until about a week later. Chase would not accept payments prior to XXXX XXXX. \nXXXX XX/XX/XXXX - called Chase and paid over the phone, I stated it was a XXXX XXXX Account, gave routing and account number, was given confirmation that the payment was accepted. \nAlso on XXXX XX/XX/XXXX- I logged into Chase Bank, selected to set up automatic payments, logged into XXXX  through the Chase website, chose the account to pay from ( the only account i have at XXXX  ) and appeared to have successfully set up automatic payments. \n\nXXXX XX/XX/XXXX- Received four items in the mail from Chase, two statements with the same due date, but different statement dates and amounts. The later statement date showing ZERO payments made, one past due. The other two items were a HUD assistance letter and a debt collection letter. \n\nXXXX XX/XX/XXXX- I Called Chase. After about 30 minutes on the phone I am told it is against Chase policy to accept payments from savings accounts at another bank. I ask to have the issue escalated to supervisor. Supervisor states Chase policy is not to accept ANY payments from other banks except those that are checking accounts. \n\nChase has only stated this AFTER I tried paying three separate times and at no time prior had any of this been revealed. I access the Chase mortgage account via our Chase log in that we already had for a visa credit card through them. We have about two decades of excellent credit history with Chase ( again, we DID NOT choose them as a mortgage servicer ). \n\nBACKGROUND : Property is a single unit condo, purchased XXXX as an investment property. \nOpened a XXXX  Business Money Market account ( a type of savings account ) to keep all income and bills related to the property separate from personal accounts. \nPrior to this refinancing the mortgage, which was with XXXX XXXX, had been automatically paid every month from this same money market account. \n\nThis is basically CHASE dictating that I set up another separate account ( which means another account that I must keep a minimum in to avoid fees ) in addition to the other problems this would incur relating funds transfer automation and payments for other operating costs.","date_sent_to_company":"2022-05-02T21:04:25.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"22309","tags":"Servicemember","has_narrative":true,"complaint_id":"5529625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-05-02T20:08:33.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We <em>have</em> about two decades of excellent credit history with Chase ( again, we DID NOT choose them as a mortgage servicer ). \n\nBACKGROUND : Property is a single unit condo, purchased XXXX as an <em>investment</em> property. \nOpened a XXXX  Business Money Market account ( a type of <em>savings</em> account ) to keep all income and <em>bills</em> related to the property separate from personal accounts."]},"sort":[14.45295,"5529625"]},{"_index":"complaint-public-v1","_id":"7584949","_score":14.295063,"_source":{"product":"Checking or savings account","complaint_what_happened":"My legal name is XXXX XXXX and I am in the process of moving. The bank will my previous address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. \n\nPlease see attached spreadsheet for details related to the refund requested. \n\nI will be pasting an email which summarizes my claim that I emailed yesterday XX/XX/XXXX to Bank of America executives that has not been responded to : _____________________________________________________________________ My name is XXXX \" XXXX XXXX XXXX and I have been a long time Bank of America customer for over XXXX  years since XXXX. I have been a loyal customer and recently maintained a checking, savings and credit card accounts with your institution. Most importantly, I have for many years used BofA 's bill pay capabilities. Recently I closed and reopened a savings account that incurred many account maintenance fees that I would like to be reimbursed. I may close this account again to avoid the {$8.00} account maintenance fee. \n\nBetween XXXX and XXXX I underwent significant health challenges and was in and out of the hospital with various illnesses and XXXX. During this trying time, I experienced a loss of income, significant hospital expenses and was unable to submit my tax returns on time, incurring significant fees. \n\nThe savings account was a free account when initially opened and was not subject to account maintenance fees. I am asking for a credit of XXXX  months of account maintenance fees totaling {$130.00}. \n\nFor checking account, I am requesting a refund of XXXX overdraft fees totaling {$70.00}. I am also asking for an additional {$24.00} in overdraft protection and maintenance fees. Lastly, I am asking for a refund of {$2.00}, a XXXX XXXX fee. \n\nIn sum, I am asking for a credit of {$230.00} a fraction of the Bank 's net income of $ XXXX from XXXX. \n\nI would also like to highlight per XX/XX/XXXX, the Consumer Financial Protection Bureau 's action against Bank of America for illegally charging junk fees, withholding credit card rewards and opening fake accounts, resulting in payment of XXXX XXXXXXXX to harmed customers and another XXXX XXXX in penalties to the CFPB and the Comptroller of the Currency. \n\nI have been a BofA customer for decades and despite feeling that I am a victim of really poor customer service and the practices stated above, I remain loyal to the institution, as it has my entire relationship, checking account, savings account, credit card, multiple bill pay accounts. I am in the process of selling my townhome and starting my XXXX XXXX XXXX and I would like to continue and expand my relationship with the bank. \n\nI am requesting {$230.00} in refund of various fees, which is minimal to the bank, but conversely significant for me. I understand Customer Service 's position that the bank fees are legitimate and irreversible if the fault lies with the customer. I am asking for the bank to consider my long-standing relationship with them, the significant health challenges and resulting expenses over the last few years and the potential of a larger relationship ( business banking, investment management ). Additionally, the fees are not repetitive, rare and in the significant past and have not occurred since. \n\nI really hope for a quick and satisfactory resolution to this matter, and it would be a great deal to me financially and emotionally if Bank of America is willing to assist me. I have attached a spreadsheet that provides more detail of the refund being requested. \n\nI am to discuss this matter in more detail over the phone. Thank you for your understanding and please see attached for your reference.","date_sent_to_company":"2023-09-22T03:02:52.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"94605","tags":null,"has_narrative":true,"complaint_id":"7584949","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-09-22T02:51:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["Most importantly, I <em>have</em> for many years used BofA 's <em>bill</em> pay capabilities. Recently I closed and reopened a <em>savings</em> account that incurred many account maintenance fees that I would like to be reimbursed. I may close this account again to avoid the {$8.00} account maintenance fee. \n\nBetween XXXX and XXXX I underwent significant health challenges and was in and out of the hospital with various illnesses and XXXX."],"product":["Checking or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[14.295063,"7584949"]},{"_index":"complaint-public-v1","_id":"15102658","_score":14.09352,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint to formally report what I believe is a deliberate and deceptive scheme by US Bank in the marketing and subsequent devaluation of its Smartly Visa credit card. \n\nI applied for and opened this credit card account six months ago based on clearly advertised terms : that a customer could qualify for elevated cash back rewards by maintaining {$100000.00} in total relationship assets with U.S. Bank. At the time, this included savings and brokerage accounts, a fact confirmed in U.S. Bank 's own promotional materials and account terms. \n\nNow, U.S. Bank has abruptly changed this requirement, stating that the {$100000.00} must be held exclusively in a non-interest-bearing checking account. This revision is both illogical and punitive, amounting to a hidden $ XXXX annual cost based on the opportunity loss of interest income from a high-yield savings account. \n\nThis bait-and-switch tactic appears to be part of a coordinated strategy : attract new customers under generous-sounding terms, then retroactively impose stricter, less beneficial conditions once a customer base has been built. Not only does this practice violate basic principles of good faith, it creates significant financial harm for responsible consumers who made informed decisions based on the original terms. \n\nMaking matters worse, U.S. Bank appears to be selectively enforcing these new terms. Some customers report being allowed to continue using savings and investment balances to qualify, while others, like myself, are being denied that option. This inconsistency raises further questions about discrimination, fairness, and transparency. XXXX XXXX  : XXXX ) This comes on top of other significant downgrades : the previously unlimited 4 % cashback has now been capped at {$10000.00} in monthly purchases, and major spending categories such as insurance, bill pay, and XXXX transactions, which have been excluded from bonus earnings. These compounded changes diminish the value of the card and betray the expectations set at account opening. \n\nThese changes were poorly communicated and drastically reduce the value of the card. Together, they suggest a calculated plan to deprecate the product after acquiring customer assets under false pretenses. \n\nI am requesting that the CFPB investigate this matter as a case of deceptive marketing and unfair practices. Specifically, I ask that : 1. US Bank be required to honor the original terms for customers who opened accounts before the change was implemented.\n\n2. US Bank be held accountable for misleading representations regarding what qualifies as \" total relationship assets. '' 3.Enforcement actions be considered to prevent similar practices across the industry. \n\nThis is not simply an inconvenience ; it is a breach of consumer trust and a pattern of behavior that deserves regulatory scrutiny.","date_sent_to_company":"2025-08-05T03:16:14.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"29403","tags":null,"has_narrative":true,"complaint_id":"15102658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2025-08-05T02:59:51.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Some customers report being allowed to continue using <em>savings</em> and <em>investment</em> balances to qualify, while others, like myself, are being denied that option. This inconsistency raises further questions about discrimination, fairness, and transparency."]},"sort":[14.09352,"15102658"]},{"_index":"complaint-public-v1","_id":"1934072","_score":13.473569,"_source":{"product":"Mortgage","complaint_what_happened":"Nationstar Mortgage has once more failed to administrate my loans with any competence and it 's beginning to feel like I have been singled out, perhaps because I have already filed complaints. It definitely feels like discrimination. I have XXXX loans with Nationstar Mortgage that XXXX have current complaints filed and now I have the following information from my insurance agency that Nationstar paid the insurance on my primary home # XXXX correctly in the amount of {$770.00} however on my investment property # XXXX they also paid {$770.00} for a premuium rrather than the correct amount due for that policy of {$310.00} and mailed XXXX check to the for the total to the insurance company. When contacted they informed me that I would be responsible to pay the correct amount and to obtain a refund from the insurance company. Since they have the money for the insurance that I have been paying, it is incredible that they expect me to come out of pocket with additional funds when they know they have already drained my savings by not notifying me of an increase in the amount of both payments for several months, then billing me a large lump sum last month and effectively ruining my credit. The next step will be that Nationstar will no doubt be billing me for a shortage that they. created in the escrow account on # XXXX. No other lender has ever bungled my accounts in such a manner and I find it hard to believe that this is not deliberate and effective retribution for filing complaints. \nFollowing is the email from my insurance agent stating that Nationstar would not correct the issue. XXXX XXXX sent out a cancel notice for non-pay on \" XXXX XXXX XXXX XXXX '' ; policy # XXXX. \nI called NationStar on Monday to find out if they have sent payment yet. They said they did and the check cleared on XXXX/XXXX/16. I requested a copy of the disbursement voucher as well as a XXXXCancelled check. Just got that this morning. \n\nNationStar is also the mortgagee on \" XXXX XXXX XXXX ''. XXXX policies have effective dates of XXXX/XXXX/16 And XXXX sent separate bills for XXXX. NationStar paid XXXX but on the voucher which I have attached they listed The policy number the same and paid {$770.00} for XXXX. \" XXXX XXXX XXXX '' premium amount is {$310.00}. \nWhen XXXX received the check they thought they were both for the XXXX address. \nXXXX applied XXXX to that property and then refunded you the overage. \n\nNationStar will not pay again on the XXXX property so I need to collect {$310.00} from you. \nPolicy is in cancel status so please send as soon as possible. You will have a shortage on your Escrow account for XXXX because of NationStar 's mistake. \nCall me if you have any questions. \nXXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX XXXX Fax","date_sent_to_company":"2016-05-20T18:01:26.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Other mortgage","zip_code":"85207","tags":"Servicemember","has_narrative":true,"complaint_id":"1934072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2016-05-20T18:01:25.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Since they <em>have</em> the money for the insurance that I <em>have</em> been paying, it is incredible that they expect me to come out of pocket with additional funds when they know they <em>have</em> already drained my <em>savings</em> by not notifying me of an increase in the amount of both payments for several <em>months</em>, then <em>billing</em> me a large lump sum last <em>month</em> and effectively ruining my credit. The next step will be that Nationstar will no doubt be <em>billing</em> me for a shortage that they. created in the escrow account on # XXXX."]},"sort":[13.473569,"1934072"]},{"_index":"complaint-public-v1","_id":"11365430","_score":13.468798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My current auto insurance company XXXX XXXX is gouging me {$160.00} mo for worthless insurance of XX/XX/XXXX on my XXXX XXXX XXXX with $ XXXX deductibles, no rental car or any other normal benefits included, then harass me and shut me off immediately if I do not pay them the day it is due. I had my payment on autopay and because I am a twice widowed mother and living on SSA widows pension only, I only get paid one time at the end of the month and do not and can not get loans or credit cards. Then when my payment returned is get gouged by them for additional fees and they still shut my insurance off!!! I tried to go on my account and it only allowed me to go to the screen to pay so I XXXX as they said it had to be paid by the XXXX or would be cancelled and I put in my bank information for my checking with XXXX and then they denied me the ability to use it as they said they received a notice from Early Warnings. I know Early Warnings is owned by several of the largest investment banks including my ex employer XXXX XXXXXXXX, all of whom I reported back in XXXX for misconduct and this is the second time they have tried to damage my credit, make me look bad and keep me from doing any business they also have worked behind the scenes to make sure I never got credit or a job in the investment industry again. They are stalking, harassing me and they refuse to take me out of their system. As well I refuse to do business with any company associated with them, they are crooks and liars! I noticed online the CFPB just went after them in the last year for not protecting peoples data. They have false data on my report and refuse to remove it. Why all of the sudden are insurance companies now able to do this? I can not help it if I run behind and my payment returns I dont have tons of credit cards, loans, or a husband and they have doubled our insurance and lowered the coverage since Covid started!! As all of my other bills have!! I also have never had an at fault accident and online two speeding tickets when young and I am XXXX yrs old, yet they are making me pay high risk rates!! The same goes for Early Warnings and the credit bureaus they have continued to ruin my credit, kept me in subprime loans since I reported them!! They are all working together to get revenge on those who refuse to use credit and those who file complaints and report their misconduct!! They had lies on my report about my XXXX account and when my lawyer and I contacted XXXX about it they denied having any record of what they have on the file they have in me!! I only have my XXXX XXXX XXXX ( paid perfectly ), my car loan ( paid perfectly but two months 30 day late ) and a couple of low bal cc under {$800.00} ea and two small loans under $ XXXX that charged off after I was taken off work by my XXXX  for XXXX XXXX XXXX XXXX XXXX XXXXs from my job at the State of IL, since then I am now semi retired. All of my loans have always been paid on time and I had perfect credit prior to getting sick. But I was off work on unpaid XXXX do fell behind once my savings was used up in the last couple of months!","date_sent_to_company":"2025-01-15T12:38:22.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"62801","tags":null,"has_narrative":true,"complaint_id":"11365430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-03T23:43:52.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["But I was off work on unpaid XXXX do fell behind once my <em>savings</em> was used up in the last couple of <em>months</em>!"]},"sort":[13.468798,"11365430"]},{"_index":"complaint-public-v1","_id":"14960145","_score":13.370507,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chase Bank has been holding {$51000.00} from my personal checking & savings accounts since XX/XX/year>, despite me fully complying with all of their requests, including a costly international trip and in-person document submission. It has now been over XXXX  months, and I still do not have access to my funds. Chase is withholding my money without a clear explanation, timeline, or accountability. \n\nTimeline of Events - XX/XX/year> : Chase notified me via email that my checking account ending in XXXX would be closed. \n\n- XX/XX/year> : I called Chase ( XXXX, Option XXXX ) to request that the remaining funds be mailed to my new address : XXXX XXXX XXXX XXXX, XXXX, XXXX. \n\n- XX/XX/year> : I called again and updated my mailing address to XXXX XXXX XXXX XXXX XXXX XXXX. I explained that due to a family medical emergency in XXXX, I was unable to visit a XXXX branch in person. I was told that in-person verification was mandatory. \n\n- XX/XX/year> : I called again and was told to bring XXXX valid IDs and proof of address ( utility bill, lease ) to a branch for verification. Again, I expressed that I was abroad and asked for alternatives. Chase refused. \n\n- XXXX XXXX XXXX XXXX  I received a CFPB response from Chase, restating that address verification must be done in person. \n\n- XX/XX/year> : I flew from XXXX to the XXXX at my own cost ( ~ {$2200.00} airfare ) and visited XXXX Chase branches ( XXXX XXXX and XXXX  XXXX in XXXX XXXX ) with XXXX XXXX XXXXXXXX government-issued IDs XXXX Utility bill XXXX  Lease agreement XXXX All other requested documents Both branches confirmed that the documents were submitted properly. Still, I was told that Chase could not release my funds and that the matter was still under review. No timeline. No reason. No escalation path. \n\nXXXX XXXX ( as of XX/XX/year> ) : I contacted Chase again. The only response I received was that my account is still under XXXX review. \nBut if this were a real investigation, Chase would XXXX XXXX  Ask me to provide documents or proof of source of funds, - Assign a case XXXX, - Offer a clear path to resolution. \nInstead, Ive heard the exact same script for months : Its under review. Theres nothing we can do. \n\nThey repeat this like a tape recorder, with no transparency, no escalation, and no accountability. This is not an investigation it is stonewalling. \n\nCoinbase Use is Lawful, Not Suspicious If this prolonged review and account closure are related to my use of Coinbase, I want to make this absolutely clear : Coinbase is a fully regulated XXXX exchange, registered with XXXX and operating under strict XXXX regulations XXXX It is publicly traded on XXXX ( XXXX ). \n\nThe only activity that might have triggered XXXX action is that I sent funds from my Chase account to my own XXXX account for personal, lawful investment purposes. \n\nThis is a perfectly legal use of a bank account. I did not send money to any XXXX  party, engage in anything criminal, or attempt to hide my activity. \n\nI am fully willing to provide bank statements, XXXX  transaction history, and source of funds documents but Chase has never asked for anything since freezing my funds in XXXX. \n\nThere is nothing about this situation that warrants a XXXX month freeze with XXXX transparency and no opportunity to resolve the matter. If using XXXX for investment is cause for account closure, Chase should say so explicitly not hide behind vague XXXX language and deny me access to my own money.","date_sent_to_company":"2025-07-29T06:58:43.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"92833","tags":null,"has_narrative":true,"complaint_id":"14960145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-29T06:37:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Chase Bank has been holding {$51000.00} from my personal checking & <em>savings</em> accounts since XX/XX/year>, despite me fully complying with all of their requests, including a costly international trip and in-person document submission. It has now been over XXXX  <em>months</em>, and I still do not <em>have</em> access to my funds. Chase is withholding my money without a clear explanation, timeline, or accountability."],"product":["Checking or <em>savings</em> account"]},"sort":[13.370507,"14960145"]},{"_index":"complaint-public-v1","_id":"3661803","_score":13.16046,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received an email letter that Capital One has closed my account on XX/XX/2020 due to inactivity. I log in to this website one a month and ensure the balance, rewards, and account status is active. I called Capital One and spoke with XXXX who stated he could not open account. I am aware that a card issuer has no duty to warn of an account closer however I believe under the current circumstances which our nation is facing, the action by the issuer is calculated to lower the credit scores of Americans including myself, as well as take away a life line during this time of crisis for unexpected bills, such as ones I am incurring due to two recent XXXX  and was consider leaning on rather than liquidating other assets such as stock holdings. \n.. \n.. \nBy forcing this decision on the consumer, the average American such as myself are being forced to decide between long term financial health, comprising savings and investments because companies like Capital One are selectively utilizing their power over persons to increase reduce creditworthiness and increase interest rates thus profiting unfairly. \n.. \n.. \nBy taking away open credit at this time for someone who is in good standing but not utilizing their available credit, the company is complicit in a scheme perpetrated by many banks to manipulate the credit market, lowering consumer credit scores and thus using this tactic to increase card rates when consumers go to re-establish credit lines. I can only assume Capital One has more instances of this sort of behavior. They also advise accounts can not be reopened however it is well documented this is in fact not the case. \n.. \n.. \nIn short - Capital One sees that I have a good credit score, that I pay my bills on time, and that by closing my account ( one of my oldest accounts ) it will negatively effect that score ( due to age and revolving utilization ). This is a calculated move made by ALL in the banking industry under the guise of removing \" inactivity '' from their rolls, but what is really does is punish those like me for responsible credit usage. This is something they collude with other banks to do ( the industry as a whole has a tacit understanding of how this works ) to increase their bottom line. I am a victim of this and the CFPB no doubt can look at their complaints and see Capital One engages in this pattern of corrupt activity. \n.. \n.. \nAs recently as XX/XX/2020 news media reports have eluded to this tactic which I am now victim to - see article from XXXX https : XXXX","date_sent_to_company":"2020-05-21T06:15:52.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"44512","tags":"Servicemember","has_narrative":true,"complaint_id":"3661803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-05-21T01:27:03.000Z","state":"OH","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["By forcing this decision on the consumer, the average American such as myself are being forced to decide between long term financial health, comprising <em>savings</em> and <em>investments</em> because companies like Capital One are selectively utilizing their power over persons to increase reduce creditworthiness and increase interest rates thus profiting unfairly. \n.. \n.."]},"sort":[13.16046,"3661803"]},{"_index":"complaint-public-v1","_id":"11545121","_score":13.130427,"_source":{"product":"Checking or savings account","complaint_what_happened":"A day after my monthly Social Security deposit ( XXXX XXXX ) I was victim of finacial fraud of my SoFi bank account, and I believe also of my linked SoFi investment account, which I learned on XXXX XXXX but wasn't able to dispute two fraudulent XXXX XXXX  charges ( exceeding {$290.00} and {$240.00} ) that the transaction report indicates as occuring at the XXXX XXXX XXXX XXXX, XXXX  XXXX, at a public garage. Because I am limited to the money I get once a month from Social Security ( {$1800.00} ), not having access to this money presents an extreme hardship, because my account access has been blocked since discovering that my account had been wiped out on Saturday night, XXXX XXXX, and the bank had suspended all activity, which prevented any withdrawals, deposits or automatic bill payments. This caused my electric utility bill. While I appreciate the apparent concern and seriousness with which SoFi customer service expressed, I became frustrated and distressed by delays in resolving the issue, which I realized based on the account takeover would necessitate closing my checking and savings account, and probably my investment accounts, and reopening accounts. I struggled to get any timeline or assurance of when I would have access to my money, and had requested they enable me to transfer funds to an external linked account. But they declined to accommodate this, but said that they would ease the restriction and when I got my new debit card, I could move the funds and pay bills that failed after my account was suspended. At no time had the various SoFi representatives indicate that I had become the target of its scrutiny. But based on what I read posted by the automatic alert about the account suspension being related to my having violated account policies or rules, I asked. On XXXX XXXX, I had a long detailed conversation with XXXX from SoFi 's security division, and at no time did she question or indicate that I'd done anything wrong. I haven't. But today, after getting the replaced debit card and activated it, I tried to pay my electric bill and discovered my account had been locked, which blocked my access and I was not provided access to my money. I called and asked why? After speaking with two representatives, I was told that SoFi was closing down my accounts altogether based on my disputes and/or alledges complaints by or about my account use or misuse. Meanwhile, SoFi must recover more than {$500.00} from XXXX XXXX  that is refusing to respond to them. So, my vulnerable existence now is utterly compromised, and I have no money, my bills are now past due ( because of another complaint regarding a 3-week delay in ACH postings that prevent me from realizing that the payment had failed, about which I was provided no notice. ) Since I am not aware of violating any guideline, rule, policy or law in anything at all especially regarding my finances ( unless having near poverty level income is a violation indicating ethical or behavioral lapses on my part ). I asked for clarity, and I asked why that decision was made, and why they reversed on their decision to permit me access to my money. It is clear that is retaliation for the complaints I filed, which were not vengeful or defamatory rather expressions of severely compromised circumstances. I became desperate and because I was not getting clear answers or what would be reasonable resolutions including provisional credits of transactions that clearly were not by me or anyone I'd aithorized, this can not be lawful. If I can't file complaints about fraud and difficulties accessing my Social Security,. then what would a responsible person do? I am in crisis and risk losing services and I need essential goods. Where do I turn?","date_sent_to_company":"2025-01-15T23:54:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"290XX","tags":"Older American","has_narrative":true,"complaint_id":"11545121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-01-15T23:06:17.000Z","state":"SC","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Because I am limited to the money I get once a <em>month</em> from Social Security ( {$1800.00} ), not <em>having</em> access to this money presents an extreme hardship, because my account access has been blocked since discovering that my account had been wiped out on Saturday night, XXXX XXXX, and the bank had suspended all activity, which prevented any withdrawals, deposits or automatic <em>bill</em> payments. This caused my electric utility <em>bill</em>."],"product":["Checking or <em>savings</em> account"]},"sort":[13.130427,"11545121"]},{"_index":"complaint-public-v1","_id":"6320590","_score":12.549011,"_source":{"product":"Mortgage","complaint_what_happened":"My mortgage has been in forbearance since XX/XX/XXXX, for a total of XXXX months. During that time, I reached out to Wells Fargo via mail to ask for a copy of my contract with my signature agreeing to pay them as they are not the original lenders that I contracted with. They send a partial copy ( not the whole contract ). XXXX XXXX XXXX is on my paperwork and my promissory note as well. That means the promissory note was transferred to Wells Fargo by XXXX XXXX XXXX and that was the payment for the house! \n\nAccording to 12 U.S.C 1813 L/1 ( l ) Deposit The term deposit means ( 1 ) the unpaid balance of money or its equivalent received or held by a bank or savings association in the usual course of business and for which it has given or is obligated to give credit, either conditionally or unconditionally, to a commercial, checking, savings, time, or thrift account, or which is evidenced by its certificate of deposit, thrift certificate, investment certificate, certificate of indebtedness, or other similar name, or a check or draft drawn against a deposit account and certified by the bank or savings association , or a letter of credit or a travelers check on which the bank or savings association is primarily liable : Provided, That, without limiting the generality of the term money or its equivalent, any such account or instrument must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for checks or drafts or for a promissory note upon which the person obtaining any such credit or instrument is primarily or secondarily liable, or for a charge against a deposit account, or in settlement of checks, drafts, or other instruments forwarded to such bank or savings association for collection. \n\nThis can be found the XXXX form pg. XXXX for Wells Fargo & Company SEC reporting REPURCHASE AND SECURITIES LENDING AGREEMENTS Securities sold under repurchase agreements and securities lending arrangements are effectively short-term collateralized borrowings. In these transactions, we receive cash in exchange for transferring securities as collateral and recognize an obligation to reacquire the securities for cash at the transactions maturity. These types of transactions create risks, including ( XXXX ) the counterparty may fail to return the securities at maturity, ( XXXX ) the fair value of the securities transferred may decline below the amount of our obligation to reacquire the securities, and therefore, create an obligation for us to pledge additional amounts, and ( XXXX ) the counterparty may accelerate the maturity on demand, requiring us to reacquire the security prior to contractual maturity. We attempt to mitigate these risks in various ways. Our collateral primarily consists of highly liquid securities. In addition, we underwrite and monitor the financial strength of our counterparties, monitor the fair value of collateral pledged relative to contractually required repurchase amounts, and monitor that our collateral is properly returned through the clearing and settlement process in advance of our cash repayment. Table XXXX provides the gross amounts recognized on the consolidated balance sheet ( before the effects of offsetting ) of our liabilities for repurchase and securities lending agreements disaggregated by underlying collateral type. \nXXXX Wells Fargo & Company A misrepresentation is a false or misleading statement or a material omission which renders other statements misleading, with intent to deceive. Misrepresentation is XXXX the elements of common law fraud, and other causes of action for fraud, such as securities fraud. \n\nI have reached out to Wells Fargo in regard to the billing errors that have been sent me stating that owe a debt and is behind on my mortgage payments. They are threating to go into foreclose if I don't pay {$21.00}, XXXX amount by XX/XX/XXXX. Even before the payments were over, they offered mortgage assistance as I told them I have no income, but they took my application with my ssn and signature on it which is form of security and denied me assistance. Now they have my application/security and haven't given me assistance. The statements they send me are in a positive number so i do not agree to any alleged debt. They would have to prove to me that I owe a debt to them. \n\n15 U.S.C 1666, Truth in Lending Act Regulation Z ( 15 U.S.C 1666-1666j ), 12 CFR 1026.13, Equal Credit Opportunity Act","date_sent_to_company":"2022-12-15T00:07:21.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"6320590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-12-14T22:06:42.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> reached out to Wells Fargo in regard to the <em>billing</em> errors that <em>have</em> been sent me stating that owe a debt and is behind on my mortgage payments. They are threating to go into foreclose if I don't pay {$21.00}, XXXX amount by XX/XX/XXXX. Even before the payments were over, they offered mortgage assistance as I told them I <em>have</em> no income, but they took my application with my ssn and signature on it which is form of security and denied me assistance."]},"sort":[12.549011,"6320590"]},{"_index":"complaint-public-v1","_id":"1459188","_score":12.377385,"_source":{"product":"Mortgage","complaint_what_happened":"Select Portfilio NOT doing their due diligence & what is in the best interest for the consumer or investor. 1. prior to the XX/XX/XXXX we had perfect credit.We struggled since then until 2 yrs ago when my wife found employment we were forced to file bankruptcy in the meantime and had to re-file a few times until we did it right as we had no funds for a lawyer we went from an income of XXXX per year to XXXX per year. We did our due diligence we didnt file a bk until we truely ran out of funds hoping the market was coming back we depleted XXXX XXXX and savings, we also put XXXX down when we purchased our home in XXXX we tried to modify over and over each month with Select Portfolio XXXX XXXX would set nod dates adding fees and trustee fees, recording fees setting new sale dates making the home out of reach for a modification adding excess of XXXX per month to the arrears they are crooks they want to get you priced out and will do whatever they could do. They told us last turn down we did n't qualify because XXXX per mth short my wife her job and left our ill daughter to take another job 1 to 2 hours everyday to commute to get an extra XXXX per month. They put some peoples arrears and some principal balance reductions for some people but not all, when we questioned what the parameters were and who got reductions or arrears due at maturity we were told they could n't explain that there is no guideline for that it is up to the lender and select portfolio case by case in this case we are clearly being discriminated against in almost a XXXX kind of way because our last name is XXXX. They pick & choose who gets a principal reduction or the arrears to be foregiven or put on the back end of a loan if they a want to they can. we qualify and have asked for just arrears to be on back end. XXXX salaried employees combined make XXXX now as she just got a XXXX per month raise. We have no bills but piti, car pmt XXXX XXXX XXXX to our daughter to help with her schooling. Since our chapter XXXX was discharged. our mortgage \" Principal Balance is XXXX and both HAFA and HAMP Say to go off principal balance to XXXX but with arrears taxes and insurance all the filing fees over and every month while trying to modify add another XXXX again if they just forgive the arrears we are willing pay the initial investment so tax payers or investors do not lose. like they have for others also at 2.50 % -3 % interest on either fully amortized over 40or30 years or XXXX. due in 10 years we qualify or split the arrears with us. if they take the property which they did set a sale date for XXXX they will incur more fees and not get more than XXXX for this 3bed-2 bath home in fair to average condition & some people say poor condition. We had a realtor put it on the market he got one call they laughed at the price 3-2 at even XXXX, the investor makes money on their principal investment and we get to stay in our home with our XXXX daughter and start fixing up. We went out of our way to do our due diligence to keep our home and work the Select Portfolio to be clearly discriminated against. When we ask to speak to someone in underwriting or mgmt. to have explain more or get clarified who qualifies for reductions or the arrears to go on back of the loan we told IN RECORDED CONVERSATIONS XXXX XXXX there are no parameters anyone could explain at the point it is up to the underwriter when we ask to talk to mgmt. to explain our circumstances or the investors direct to plead our case there is no one to talk XXXX but clerks who just read off a screen who do not understand. We again cleared our credit got new employment very steady JOBS MINE 32 YEARS WIFES NOW STABLE. This company clearly needs an audit of who got what and moving forward when people in modification I believe all fees should freeze until determined we were priced out","date_sent_to_company":"2015-07-09T06:33:13.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"94534","tags":null,"has_narrative":true,"complaint_id":"1459188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2015-07-09T06:33:11.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["They pick & choose who gets a principal reduction or the arrears to be foregiven or put on the back end of a loan if they a want to they can. we qualify and <em>have</em> asked for just arrears to be on back end. XXXX salaried employees combined make XXXX now as she just got a XXXX per <em>month</em> raise. We <em>have</em> no <em>bills</em> but piti, car pmt XXXX XXXX XXXX to our daughter to help with her schooling."]},"sort":[12.377385,"1459188"]},{"_index":"complaint-public-v1","_id":"3470027","_score":11.907049,"_source":{"product":"Checking or savings account","complaint_what_happened":"I went to TD Bank on XX/XX/XXXX, with a very large XXXX XXXX settlement check, in the amount of {$100000.00} and soon as I walked in the door, I met the employee, that was the Acting Store Manager/Assistant Store Manager ( employed as both positions is my understanding ) at that time, ( ( who was in a position of \" fiduciary trust '' with me, as she was very well aware that I receive permanent social security XXXX ... ... ( I was beat up under anesthesia and was taped that I XXXX   my own XXXX  XXXX away from my XXXX  after an XXXX  XXXX, as well as I suffer from XXXX XXXX XXXX, and a number of other injuries from falls, accidents, and traumas since the age of XXXX. I couldn't get medical malpractice, and due to the XXXX and other issues, became permanently XXXX under Social Security XXXX in XXXX of XXXX ) ... as she assisted me with regard to fees on my mortgage, and bank accounts in about XXXX of XXXX ) ) ; and so I asked the Acting Store Manager/Assistant Store Manager, upon my arrival, to \" Please deposit this XXXX XXXX Settlement Check, which is for {$100000.00}, into my already existing checking account '' and I further stated \" That I will be back in a few days to get some large checks authorized, as I want to pay off the doctors, and then take the majority of my money to XXXX XXXX, XXXX XXXX, to invest my money for my son and I, and our future. '' The Acting Store Manager/Assistant Store Manager, at that time, stated abruptly, and yelled at me, \" No, you don't need to take your check to XXXX XXXX! Just deposit your check here, with us, in a Stellar Savings Account, for easy access. '' I told her, \" Well, I don't want easy access, I need to make sure to invest this money for my son and I and our future. '' She told, me \" Ahhhh, Don't Worry, Come on in my office and let me show you what we can do for you. '' And she pretty much \" snatched '' the check out of my hand, and began walking toward her office. \n\nWe sat down and the ONLY Financial Advice, Planning, Maintenance, or Assistance, the Acting Store Manager/Assistant Store Manager, did was to tell me to take {$20000.00} to pay off my home and that would put {$250.00} in my pocket each month. '' I told her \" That sounds good, but I'm not sure if that's what I should do right away, as I would like to speak with an investor, to see what's the best options, and to make sure I don't squander or lose my money, as there may not be an opportunity for us to have this kind of check again. '' She Told me, well here is a card, and she wrote a number on the back of her business card, and she said you can call this number and somebody should be able to help you. \nAnd she said now let me open you the \" Stellar Saving Account '' and you will be good to go. \n\nI sat there sad, and all slumped over, and I was confused, as I was beyond excited to have received that kind of check, and the check had just arrived by Express Delivery that morning, as I was able to settle my case, by myself, out of court, after four ( 4 ) lawyers told me that I wouldn't get anything for my case. \n\nTo settle my own XXXX XXXX case, I worked with the XXXX XXXX XXXX Office, and also picked up medical records from another provider, and I researched Florida Statutes, and I was able to prove additional injuries and that the insurance carrier had not properly handled my case, and the Insurance Carrier chose to settle out of court, and I legally and rightfully received the full uninsured/underinsured motorist policy of the {$100000.00}. \n\nSo, the Employee that was in both Employment Capacities, Acting Store Manager/Assistant Store Manager, proceeded to open my \" Stellar Savings Account '' and did absolutely NOTHING else even that day to assist me with my Financial Planning and Investments, of my assets, or to even open other accounts, to diversify the money, as she could have helped me open \" CD 's '' or \" IRA 's '' or even an additional savings account for my Son, but she did NOTHING else to manage, and assist me, for my son and I, and our future.. \n\nShe handed me the information, on the \" Stellar Savings Account ' and the entire time, I knew I was making a horrific mistake, \" trusting '' the \" advice '' of the Employee that I knew in a Fiduciary Capacity, as she just sat smirking and smiling and all thrilled and happy that I had \" opened '' a \" new '' \" Stellar Savings Account. '' During the enrollment process, and the \" conversion '' of my money from My Intended and Planned purpose to merely deposit my XXXX XXXX Settlement Check into my already existing Checking Account so that I could go to XXXX XXXX, XXXX XXXX, in a few days, and invest my money, the Acting Store Manager/Assistant Store Manager, asked if I wanted to keep the information online, or keep the account to have mailed bank statements. We discussed about the size of the deposit, and so with her advice, as well, I chose to NOT have my \" Stellar Savings Account '' online. \n\nThe choice to stay offline, ended up being a really bad choice, overall, as the lapse in time in bank statements, and other personal matters, including my own health issues, and that my brother was fighting XXXX XXXX, and very sadly did transition, and that I was very busy filing, what ended up being three ( 3 ) separate Federal Court Cases, all during the time frame, I was \" exploited '' and \" ripped off '' of what I say is, thousands of dollars of my money, what I believe was stolen by the TD Bank Employees, including the Acting Store Manager/Assistant Store Manger. \n\nI also fully believe that the Acting Store/Manager/Assistant Store Manager May have received a \" bonus '' or \" perk '' or \" raise '' or some sort of benefit to herself, by pretty much \" forcing '' me to open the \" new '' \" Stellar Savings Account '' So, while I was busy on 1200 pages of documents over a year and a half, in the three ( 3 ) Federal Court Cases, and fighting through being sick, and even injured, and dealing with family and their sickness, between XX/XX/XXXX to XX/XX/XXXX, I was going to the TD Bank Store Location that opened my \" Stellar Savings Account '', and I would get cash, but I kept telling the various Bank Tellers, including the Acting Store Manger/Assistant Store Manager, that \" opened '' the \" Stellar Savings Account '' that \" I felt that my balances were wrong, and that I was going through my money too quickly, and that I needed to get with an investor, or do something so I wouldn't lose all of my money. '' They even know that I was paying additional mortgage payments, to bring down the principal on my home, but they did NOTHING to Assist me, help me, guide me, or even direct me to any of the other TD Bank actual Brokerage Investment Subsidiaries, of TD Bank, such as TD Ameritrade or the TD Bank Investment Management Offices. \n\nInstead, from XX/XX/XXXX to XX/XX/XXXX, I was \" deprived '' of my \" ownership interest in my financial assets for the future, for my son and I '', in \" trusting '' the Fiduciary Confidence and Advice of the Acting Store Manager/Assistant Store Manager, who to me \" represented '' herself, as a \" Broker '' and her TD Branch Store Location, as an \" Investment Brokerage. '' I met with the Acting Store Manager/Assistant Store Manger in XXXX of XXXX, and asked her \" Where is all of my Money? '' and \" Why am I broke? '' The Acting Store Manager/Assistant Store Manager, printed out all of the bank statements, and threw them at me, and told me, \" You spent all of your money. '' I was sad, and XXXX, and crying and I told her, that \" I didn't think it was right, what happened to me, and that I didn't have any money left for my son and I, and our Future. and that I wanted an \" investigation '' into my account, as there were Thousands of Dollars, that I could NOT Account for in any of my records. '' The Acting Store Manager/Assistant Store Manager did NOTHING. \n\nIn XXXX of XXXX, I contacted the TD Regional Branch Manager, and advised of what occurred, and that I felt I had been \" Exploited '' and \" Ripped Off '' as a XXXX Adult in Florida, and that I wanted my {$100000.00} back, as I feel that the Acting Store Manger/Assistant Store Manger, had no Legal Right or Capacity, to tell me to NOT Take my check to XXXX XXXX, XXXX XXXX, and to \" force '' me to \" open a \" New '' \" Stellar Savings Account '' and that they completely misrepresented themselves, as a \" Broker '' and their TD Bank Store Location, as an \" Investment Brokerage, '' and I kept claiming that Money was going out of my \" Stellar Savings Account '' faster than I could account for in my receipts or records. \n\nThe TD Bank Regional Branch Manager did NOTHING. \n\nSo, in XXXX of XXXX, I once again, contacted the TD Bank Regional Branch Manger, and advised of the Violations of Florida Statutes 812, Theft, Robbery and Related Crimes, specifically, Chapter 812.014 ( 1 ), ( a ), ( b ) and ( 2 ) ( a ) ( 1 ), and that the Acting Store Manager/Assistant Store Manager had \"  converted '' my money, by \" grabbing '' my check, and then \" forcing '' me to \" open '' a \" new '' \" Stellar Savings Account, '' and as such, I was \" deprived '' from my \" intended '' \" plan '' and \" goal '' to \" invest '' my \" ownership interest '' in my XXXX XXXX Settlement Monies and Assets, of the {$100000.00}, with XXXX XXXX, XXXX XXXX. I further advised the TD Bank Regional Manager that TD Bank is a Commercial Bank, and does NOT meet the same legal authority, point or purpose as an \"  Investment Brokerage, '' such as XXXX XXXX, XXXX XXXX. \n\nAdditionally, I also advised TD Bank that they have Violated Florida Statutes Chapter 825, Exploitation of a XXXX Adult, specifically, Florida Statutes 825.105 \" Good Faith Assistance '' in that the Acting Store Manager/Assistant Store Manager, took advantage of me, and \" exploited '' me and BOUND TD Bank to me as an \" Investment Brokerage '' firm and company, when the Acting Store Manager/Assistant Store Manger \" opened '' the \" Stellar Savings Account '' that they would be \" brokering '' my \" financial assets and resources, for the future. '' The TD Bank Regional Branch Manager responded to my letter by sending me copies of my Bank Statements, and Copies of the Savings & CD Withdrawal Slips. \n\nWithin days, I responded to the TD Bank Regional Bank Manager, that I was again, Demanding Full Settlement, of My {$100000.00}, XXXX XXXX Settlement Assets and Resources, as out of the Fifty-Four ( 54 ) Official TD Bank Savings & CD Withdrawal Slips ( \" Slips '' ), at least Thirty-Five ( 35 ) of the Slips, have been Altered, have Mistakes, Have Errors, are Missing Information, or are Incomplete and the other Nineteen ( 19 ) slips, even though they appear to be complete, they also seem to be missing information or have altered information. \n\n1. Many of the 35 Slips, do NOT have the completed Written Dollar Amount to verify the Actual Numerical Cash Withdrawal amount. \n\n2. And there is a Savings & Withdrawal Slip where the WRITTEN AMOUNT says TWENTY FIVE and the DOLLAR AMOUNT says {$2500.00}! There is QUITE a DIFFERENCE Between {$25.00} Dollars and {$2500.00} Dollars. \n\nAdditionally, there are Savings & CD Cash Withdrawal Slips where it looks like a number 1 has been added to a Prior Slip, that was a {$400.00} dollar withdrawal became a {$1400.00} Withdrawal and a {$700.00} Dollar withdrawal looks like it became {$1700.00} Cash Withdrawal Slip. \n\nAnd a NUMBER of the SLIPS LOOK like there are EXTRA SPACES by the NUMERICAL NUMBERS where they should be closer together, like someone may have Photocopied a Larger withdrawal Slip and then Whited Out and/or Changed, REUSED, and FORGED the withdrawal slip, to have a different dollar amount. \n\nAnd Some of the Slips the Numerical Number is Changed, but there is NO WRITTEN DOLLAR amount to Verify the Withdrawal amount. \n\n3. Some Savings and CD Cash Withdrawal Slips ( Slips ) have My name spelled wrong, as XXXX or just my last name XXXX with a scribble at the end. And additionally, some of the Slips Looked Copied Over as my signature looks exactly the same 4. Some Slips have Employee Initials 5. Some  Slips do NOT have Employee Initials 6. Some Slips have Multiple Employee Initials with some written over or altered 7. Some Slips have NO DATE, and other slips have Errors on the Date, with some Slips missing the Year and/or part of the date is written over 8. Some Slips have Errors on the Account Numbers and they have been written over, changed or altered 9. And there appears to be a number of XXXX initials, as many as 15 of them, yet, I don't know a TD Bank Employee that works at the TD Bank Store Location, with those initials. \n\nHowever, I do know from being a TD Bank Client, the former teller XXXX, whom I happened to see at the grocery store a number of months ago, was one of the main tellers that had access to my \" Stellar Savings Account '', during the time frame the majority of my cash came up \" missing '' or \" unaccountable '' and then she either quit, or was fired, as she was criminally charged for, I believe it was, Scheming to defraud ' as I saw her mugshot in the local crime report for being arrested in the spring of XXXX. \n\nI further advised the TD Bank Regional Bank Manager that because the Acting Store Manager/Assistant Store Manager is in Violation of Florida Statutes Chapter 812 Theft and/or for \" Conversion '' of my \" ownership interest '' in my {$100000.00} XXXX XXXX Settlement and also in Violation of Florida Statutes Chapter 825 Exploitation of a XXXX Adult in Florida, for failing to have \" Good Faith Assistance '' with regard to the \" pre-existing '' \" fiduciary relationship '' and failed to assist me, with maintaining my financial stability, assets and resources for my son and I, for our future. \n\nI also then further advised the TD Bank Regional Manager that since the Acting Store Manager/Assistant Store Manager is in Violation of Florida Statutes Chapters 812 and Chapters 825, I am allowed to file \" Pre-Settlement Notice '' of Violation of Florida Statutes Chapter 772, Civil  Remedies for Criminal Practices, I would then be entitled to \" three fold actual damages, or treble damages. '' I am seeking reimbursement of all {$100000.00} of my XXXX XXXX Settlement Monies, along with the treble damages for a Total Demand Settlement of {$300000.00}, as the Acting Store Manager/Assistant Store Manager, whom had a \" pre-existing '' \" Fiduciary Relationship '' had no legal Right or Capacity to tell me to NOT take my check to XXXX XXXX, XXXX XXXX, and then to \" convert '' my funds to her TD Bank Commercial Bank and to \" exploit '' me of my financial assets and resources, to what may even be her personal gain or benefit, without any assistance, or maintenance to me, as a XXXX person under the Laws of the State of Florida. \n\nI requested for the TD Bank Regional Branch Manager to Settle with me, out of court, to avoid the attorney 's fees, and costs of filing litigation in this matter. \n\nThe TD Bank Regional Branch Manger, declined to settle out of court. \n\nI already outlined the Threefold or Treble Damages, under Florida Chapter 772.11 ( 1 ), and I am in the process of preparing another Demand for Settlement Letter, which will further comply with the \" Pre-suit '' Requirements of Florida Statutes Chapter 772.11 ( 1 ). \n\nAdditionally, I sent an email on XX/XX/XXXX, to the TD Bank Regional Manager, as TD Bank, is also guilty of Violating Florida Statutes Chapter 655, Title XXXVIII, Banks and Banking, and specifically, Chapter 655.50, the \" Florida Control of Money Laundering and Terrorist Financing in  Financial Institutions Act, '' and specifically Chapter 655.50 ( 8 ) ( a ) which states, in part, the following : ( 8 ) Each financial institution shall maintain : ( a ) Full and complete records of all financial transactions, including all records required by 31 C.F.R. parts 500-598 and 1010 for a minimum of 5 calendar years.\n\nAdditionally, I sent the TD Bank Regional Branch Manager correspondence with the Email that  outlined the additional Violations of Florida Statutes According to the Florida Statute Chapter 655.50 Florida Control of Money Laundering and Terrorist Financing in Financial Institution Act, specifically, Statute 655.50 ( 4 ), states the following with regard to the within State Statute Requirement, to have a BSA/AML Compliance Officer that is Required to comply with the rules and regulations within Chapter 655 and all of the other Bank and Financial Institution Rules, Regulations and Statutes on both the State and Federal levels, ( emphasis added ) : ( 4 ) A financial institution shall designate and retain a BSA/AML compliance officer. The board of directors of a financial institution must ensure that the designated compliance officer is properly qualified and has sufficient authority and resources to  administer an effective BSA/AML compliance program. The board is ultimately responsible for establishing the institutions BSA/AML policies and overall BSA/AML compliance. A change in the BSA/AML compliance officer must be reported to the office.\n\nIn addition, Florida Statute Chapter 655.50 Florida Control of Money Laundering and Terrorist Financing in Financial Institution Act, specifically, Statute 655.50 ( 3 ) states the following Requirements for the Bank Secrecy Act ( BSA ) / Anti-money Laundering ( AML ) Compliance Officer in accordance with the additional the Bank Secrecy Act of 1970 ( BSA ), the USA Patriot Act of 2001\nand all of the other Federal and State Banking and Financial Institution Statutes, Laws, Rules and Regulations, ( emphasis added ) : ( 3 ) As used in this section, the term : ( a ) BSA/AML compliance officer means the financial institutions officer responsible for the development and implementation of the financial institutions policies and procedures for complying with the requirements of this section relating to anti-money laundering ( AML ), and the requirements of the Bank Secrecy Act of 1970 ( BSA ), Pub. L. No. 91-508, as amended ; the USA Patriot Act of 2001, Pub. L. No. 107-56, as amended, and federal and state rules and regulations adopted thereunder ; and 31 C.F.R. Parts 500-598, relating to the regulations of the Office of Foreign Assets Control ( OFAC ) of the United States Department of the Treasury.\n\nTherefore, TD Bank, is Required to have a BSA/AML Compliance Officer that is fully responsible for complying with Florida Chapter 655, Title XXXVIII, Banks and Banking Rules and Regulations. And also for complying with all of the other Federal and State Banking and Financial Institution Statutes, Laws, Rules and Regulations with regard to keeping Full and Complete Records of All Financial Transactions. \n\nSo, TD Bank is also therefore out of compliance then with the Federal Banking Rules and Regulations with regard to Full and Complete Records of All Transactions and also the Federal Anti-money- Laundering laws. \n\nOnce again, I made demand to TD Bank for a fair, reasonable and equitable settlement under the Chapter 655 Title XXXVIII, Banks and Banking, Chapter 655, Financial Institutions Generally, of the 2019, Florida Statutes, under Chapter 655.50 Florida Control of Money Laundering and Terrorist Financing in Financial Institutions Act, specifically 655.50 ( 3 ) ( a ), ( 4 ) and ( 8 ) ( a ), as well as Florida Statute 812 Theft, Robbery and other Related Crimes, and Chapter 825 Exploitation of Elderly Persons of Disabled Adults in the State of Florida and also pursuant to Chapter 772.11 ( 1 ) Civil Remedies for Civil Practices for FULL DEMAND of {$100000.00} x THREE ( Treble Damages ) for FULL DEMAND SETTLEMENT of {$300000.00}. \n\nToday is XX/XX/XXXX, and I have yet to have an email or letter or phone response to my XX/XX/XXXX, email to the TD Bank Regional Branch Manager. \n\nI am a XXXX single mother, with a XXXX  son, and we don't even have enough money to pay our bills this month, we go each month without food, and we don't have any XXXX presents! \n\nWe are beyond devastated and traumatized that we are struggling, when we should have plenty of money and our lives should be very financially sound.","date_sent_to_company":"2019-12-17T07:26:50.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"32926","tags":null,"has_narrative":true,"complaint_id":"3470027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2019-12-17T02:17:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Today is XX/XX/XXXX, and I <em>have</em> yet to <em>have</em> an email or letter or phone response to my XX/XX/XXXX, email to the TD Bank Regional Branch Manager. \n\nI am a XXXX single mother, with a XXXX  son, and we don't even <em>have</em> enough money to pay our <em>bills</em> this <em>month</em>, we go each <em>month</em> without food, and we don't <em>have</em> any XXXX presents! \n\nWe are beyond devastated and traumatized that we are struggling, when we should <em>have</em> plenty of money and our lives should be very financially sound."],"product":["Checking or <em>savings</em> account"],"sub_product":["<em>Savings</em> account"]},"sort":[11.907049,"3470027"]},{"_index":"complaint-public-v1","_id":"2713336","_score":11.734288,"_source":{"product":"Mortgage","complaint_what_happened":"Never thought Id lose my home and all our money/savingsXXXX form last 19 years all spent that put into a home would be lost having to start over at XXXX XXXX XXXX from ( 0 ), How investment bank+ mortgage servicer company can get away with these overpriced mortgage modifications un underwater homes is beyond me, This just encourages home owners to foreclose or had the keys back to the bank .. We gave up hope to save and buy a new home for me and my family that has a realistic ( LTV ) ( Loan to Value ) .. My story should be in the news .. \n\nSo here is what happened in detail, Over the past years we called Ocwen to ask how much we owed on the house, they always gave us only the principle amount and never told us about the balloon amount we thought we only owed XXXX, so XXXX we need to get some home repairs done and tried to get an equity loan to make major repairs, The bank told us you have no equity, in fact your property XXXX ( Loan to Value ) is way underwater by XXXX or more, You still owe {$370000.00} so I called Ocwen they told me you have a balloon payment ( XXXX ) on top of the XXXX principle amount, Said how can that be since I was to get XXXX in principle reduction with my loan modification?, Ocwen said I missed a payment and you did not get it, I said I was in bankruptcy and was not working you guys knew this ..Sorry XXXX XXXX you did not qualify .. So I get to pay off an overprice house with no money or equity for major repairs, Sorry was  their reply, you can apply for new loan modification so we can help you, So I did as there was no choice, then when new loan modification came it was higher monthly payment so how did that help me? \nWith that we placed the home on the market,, nothing happened over 5mths so we lowered to what we owed on the loan plus reality commissions, everyone said we were way overpriced, an offer came in almost for XXXX under what we required without reality commissions, I called the bank they said could not accept. \nAt that point, I called Ocwen, because Since we have spent our money paying off equity loans and bills on the house using our XXXX, we had no funds to make repairs .. So went into payment plan with XXXX XXXX XXXX had just purchased a new central Heat/AC system as without that we could not live there for XXXX, and now the roof was collapsing and called roofing company they said it needed a complete replacement since it at max layers of shingles, and some trees needed to be cut down as they were protruding into the house and roof causing more damage.., So at this point me and my wife had it,, called Ocwen asked for deed in Lieu, The guy on the phone told me, Sure XXXX XXXX I understand you can Get XXXX for a deed in Lieu,, I said ok lets do it, Ast least that will help pay for moving and the new Heat/AC system I just had put in the house. \nOcwen sent me the paper work and form I filled + deed sign over them out sent them back they gave us date to move out. few weeks before the deed in Lieu was to happen Id asked when will they send me the check for XXXX, Oh sorry XXXX XXXX our rep must have read you a program that ended last year, you can get up to max of XXXX. \nI said that does not help me at all nor would it fully cover the new Heat/AC system Im paying off on the property. or help at all with moving expenses .. \nFrustrated as I was I said, how can Ocwen pay the XXXX for Heat/AC system, Rep said you can still do a loan modification if you like XXXX I said NO youre only going to charge me more and will not help and you also told me you can still foreclose or demand loan payment in full .. No lets just get the deed in Lieu done, Im done with dealing with you and your company Ocwen.. \nAfter that we just sold everything we owned, and the for rest of our belongings we called packrat and got a rental out of NJ, we moved to AZ .. \nNow months later after we have done the deed in Lieu done, Im still paying off that Heating/AC system have another {$5900.00} left to pay on that, and now Im getting water and sewer bills from the township asking me to pay bills on a home I no longer own and its the mortgage service company thats using that water and heat and AC system,, is that fair? \n\nSo now that I gave the home back to the bank have issue with the bank, We signed the title over in XXXX, Now we are getting utility bills for water and sewer. So I called the township the advised me that back has not filed ownership with county clerks office and Im still responsible for taxes and property maintenance or fines as well. We did the deed in Lieu with the bank in XXXX and gave up the ownership and keys as of XX/XX/XXXX, Even called the XXXX XXXX tax assessor and he advised the bank failed to apply ownership for the property, When I called the mortgage service company OCWEN they said give us two weeks, we had some issues with deed for power of attorney, That was back inXX/XX/XXXX, now itXX/XX/XXXX.. Still house in in our names, So this leaves me and my wife responsible for a home we are no longer own after almost 4.5 mths now still in our names. the water bill even shows someone is using the water on the property and I get the bill I called yesterday day they said we should have it fixed in three more weeks having issues with title and internal departments on property, I just hung up the phone I refuse to pay any more on this property .. Also the investment bank and Ocwen say the house is worth XXXX, so the government allows then to make up prices so I can get hit with the deficiency by IRS , and they get to write it off as a loss, Already on a IRS payment plan from owing money to pay equity loans out of my 401K on the house and missed mortgage payment Ill never see a tax return ever again .. \n\nORIGINALLY PURCHASED THIS HOME FOR {$420000.00} BACK IN XXXX, AFTER XXXXAMP MOD IN XXXX NEW PRINCIPLE BALANCE REMAINDER WAS XXXX + BALLOON PAYMENT DUE IN OR ON YEAR XXXX Bank /investment firm that was bailed out in XXXX had refused to grant or reduce any of the principle loan balance nor help in reduction to current fair market value for previous home owner under HARP program paid for by taxpayers homeowner forced to give up overpriced debt. HARP program funds for homeowners principle reduction vanished at same time Bank/investment firm received bonuses. THIS HOME INCLUDES NEW ADDITIONS- ( IN GROUND POOL INSTALLED FROM SEASONAL WORLD FOR {$30000.00} PLUS KITCHEN UPGRADE {$15000.00} PLUS NEW CENTRAL HEAT/AIR CONDITIONING SYSTEM {$10000.00} + ADDITIONAL UPGRADES= {$63000.00} ) Our Total underwater investment = XXXX WE lost over XXXX since XXXX with purchase+new additions and all equity loans paid in full, Remaining balance on note/mortgage was {$370000.00} with balloon payment due in XXXX, \" the property is FORECLOSED and now XXXX HOUSE NOT FOR SALE, -Note : Ocwen has taken over property XXXX We still paying off the bill for new central heat air conditioning system as there was no equity in home and unable to transfer any home system or XXXX & XXXX warranty until the reaming balance of {$4900.00} is paid on the new central system or until its paid in full for full amount of XXXX -- -- - Bank /investment firm that was bailed out in XXXX had refused to grant or reduce any of the principle loan balance nor help in reduction to current fair market value for previous home owner under HARP program paid for by taxpayers homeowner forced to give up overpriced debt. HARP program funds for homeowners principle reduction vanished at same time Bank/investment firm received bonuses. \n\nTheres no laws governing what a Home LTV must be in range with for loan modifications, Basically mortgage servicing company is allowed to give modifications leaving home owners deep underwater on property values, Leaving homeowner with no equity in case of major home repairs or room to sell the home until principle balance is paid off or when market has picked up in 10 year period if the house is still standing because no equity was available for repairs. No law states Ocwen must lower principle balance to meet acceptable current market rates and off set in equity value. \nAlso Ocwen is allowed to evaluate the property for higher than market price than its worth so they can write off that deficiency to report loss to IRS, while pervious homeowner gets hit with a gain being reported on a home worth less than what it would even sell for XXXX And also allow the pervious homeowner to get stuck with XXXX bill for AC/Heating central airs system in a house they no longer own, or for water and sewer + Utility bills they cant turn off because the deed or title is not registered with the town ship ..so pervious homeowner still paying bills on home they no longer own. \nIn addition Ocwen can apprise this property for XXXX when it might be only worth XXXX give current conditions and repairs need boggles me, another Lic appriser should be called out on this with major electrical and plumbing leaks, garage door system needed, new yard fence needed, along with {$35000.00} dollars in landscaping maintenance with trees growing into home and dead tree removal, includes leaky roof falling through needs complete replacement, costly dangerous mold issues and all aluminum wiring through the home major fire hazard, termite/rodent damage. home requires aluminum wiring insurance for fire hazards, in total home requires at least $ XXXX in repairs, how is that home worth XXXX K, and why am I still paying bills on that house? \n\n\n\nBest Regards, XXXX XXXX XXXX : XXXX Email : XXXXXXXXXXXX","date_sent_to_company":"2017-10-26T19:44:21.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"85351","tags":null,"has_narrative":true,"complaint_id":"2713336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-10-26T19:22:27.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Now <em>months</em> later after we <em>have</em> done the deed in Lieu done, Im still paying off that Heating/AC system <em>have</em> another {$5900.00} left to pay on that, and now Im getting water and sewer <em>bills</em> from the township asking me to pay <em>bills</em> on a home I no longer own and its the mortgage service company thats using that water and heat and AC system,, is that fair?"]},"sort":[11.734288,"2713336"]},{"_index":"complaint-public-v1","_id":"4768434","_score":11.729912,"_source":{"product":"Mortgage","complaint_what_happened":"My wife had a XXXX in XXXX, and then a second XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. She was on XXXX with her employer of 24 years as covid hit in the month of XXXX, and XXXX XXXX shut down. My income as a XXXX XXXX XXXX for a XXXX in XXXX was immediately impacted by statewide business closures, across all industries. My income from XXXX, XXXX until I was laid off in XXXX, XXXX was my lowest annual total since the recession years of XXXX and XXXX. \n\nFlagstar Bank reached out to me to offer their forbearance plan in XXXX, XXXX, and we gladly accepted their offer to make our ends meet as covid. \n\nAfter 18 months of deferral of our payments without negative credit reporting or penalties, we aim to continue with a loan deferral option, but are being denied that option and asked to consider a balloon payment or payments three times our normal amount for 6 or so months to come current, or consider a 40-year term loan modification. We wish for loan deferral, and have mentioned such consistently for the entire 18-month period, since my first conversation with Flagstar representatives and now repeated in nearly two dozen conversations since. \n\nWe had paid 7.5 years on our 30-year mortgage, starting on XX/XX/XXXX. As a former mortgage loan agent, I am acutely aware that as of our XXXX, XXXX payment, {$810.00} of that month 's {$1900.00} payment lowered our principal balance, more than 42 % of our payment. We consider this a forced savings toward our retirement, something we were literally \" banking on '' prior to this covid-induced situation, and a lesson I am teaching my children regarding financing of homes, as that equity may well be a large portion of their inheritance. \n\nWith over {$500000.00} in equity in this property and at ages XXXX  and XXXX we refuse to consider a refinance or to modify our loan, which would revert us back to nearly every payment going to bank interest for the next several years. The bank 's request that we consider a loan modification to a 40-year term is appreciated, but viewed as an unacceptable option. I declined the offer at the moment the numbers were shared with me verbally, before they even printed the offer to send it to me in writing. \n\nWork and Income during Covid My wife returned to work in XXXX, XXXX, was furloughed 2 weeks later, returned to work in mid-XXXX, and then was laid-off after 24 years with her employer in XXXX. Her last paycheck was received XX/XX/XXXX. As an in-demand XXXX XXXX XXXX she has accepted two XXXX jobs since her layoff ( each lasting two to three months ), and starts a third full-time XXXX job on Monday, XX/XX/XXXX. \n\nI was laid off after 15 years with the XXXX without severance on XX/XX/XXXX. I am seeking employment and have three advanced interview processes pending with potential employers. I anticipate full-time employment no later than XX/XX/XXXX. \n\nFlagstar Bank offered the forbearance plan in XXXX, XXXX, extended that term with an offer in XXXX, XXXX which we accepted, and then again in XXXX, XXXX to extend into XXXX. My first payment off of the program is to commence on XX/XX/XXXX, and i have requested we be set up to do so, but the bank is offering me either 6 months of payments at over {$7.00} a month to catch up, or to make one lump sum payment of {$36000.00}. Did they not understand that we just were under financial XXXX for the past 18 months? How could we afford to make either of those options happen? \n\nWe were involved in a class action lawsuit, having been affected by the XXXX XXXX and its dense smoke in XXXX. We received funds targeted for much needed repairs to the home to keep our investment secure and to deal with ongoing medical bills for XXXX 's XXXX XXXX. We have not engaged the pension she is to receive from her 24-year employer, as she turns XXXX in XXXX, XXXX, and we are balancing how best to time its start date. \n\nWe are willing and able to utilize our savings to meet XXXX costs of over {$1200.00} a month until my wife reaches XXXX next XXXX, and I do the same in XXXX of XXXX. Secure employment will eradicate that necessity, so we are anxious for that to occur soon. We have no other debt, so look forward to meeting our financial dilemmas with XXXX if we can get agreement for continuing with our mortgage payments of {$1900.00} to survive until our medical costs go down with medicare next XXXX ( wife ) and a year from this XXXX ( me ). \n\nPlease assist us in obtaining a loan deferral option, as we are prepared to meet that commitment.","date_sent_to_company":"2021-09-30T23:36:32.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"91302","tags":"Older American","has_narrative":true,"complaint_id":"4768434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Flagstar Bank, N.A.","date_received":"2021-09-30T23:01:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We were involved in a class action lawsuit, <em>having</em> been affected by the XXXX XXXX and its dense smoke in XXXX. We received funds targeted for much needed repairs to the home to keep our <em>investment</em> secure and to deal with ongoing medical <em>bills</em> for XXXX 's XXXX XXXX. We <em>have</em> not engaged the pension she is to receive from her 24-year employer, as she turns XXXX in XXXX, XXXX, and we are balancing how best to time its start date."]},"sort":[11.729912,"4768434"]},{"_index":"complaint-public-v1","_id":"5016809","_score":11.651066,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX of 2021 I was sued by XXXXXXXX XXXX XXXXXXXX XXXX, a branch of Velocity Investments. Velocity Investments bought debt I incurred with XXXX XXXX. Immediately upon receiving the summons, I contacted XXXXXXXX XXXX XXXXXXXX and explained to them I was a stay at home mom and that my current husband ( who was the sole breadwinner for the family ) and I were in the process of divorcing. Because we'd only been married for 3 years and he was not the father of my XXXX daughters, he was not required to pay alimony or child support. I was receiving child support from my children 's father, but it was not enough to maintain a mortgage and all other necessary living expenses. I had to choose whether to house and feed my children, or pay credit cards or other debts, and obviously my children come first. The representative at XXXXXXXX XXXX XXXXXXXX demanded that I pay the full past due amount immediately. I explained to the representative that it was impossible to pay the {$2100.00} balance in full but that I would absolutely make payments on the debt. The representative suggested a monthly payment amount ( I can't remember the exact amount ), but it was in the hundreds of dollars and I knew that I could not manage that much each month. At the time, I said I could pay {$50.00} a month. The representative said that he would have to consult with management and he would get back to me. This was the XXXX week of XXXX. After a couple of weeks and no communication from XXXX XXXX XXXXXXXX, I reached out to them in XXXX. Again, they demanded full payment and again, I told them that I could make payments. The representative said that he had to speak with his supervisor and he'd get back to me. \n\nYesterday ( XX/XX/XXXX ), I was going through old paperwork and found the civil summons from XXXXXXXX XXXX XXXXXXXX that I received in XXXX and it suddenly struck me that I never heard back from them. I called them immediately, and I was informed that they had filed a judgment on XX/XX/XXXX to garnish 25 % of my wages. I was and am absolutely shocked and sickened, because I earn {$17000.00} a year. I'm a single parent and I have a daughter with XXXX XXXX. I could not believe that they did not reach out to me before trying to garnish my wages. The representative then stated that I should have called them. I told him that I was a single working mother and that I have an XXXX  child and I'm struggling just to survive day to day and that I forgot about the issue because it just totally slipped my mind. I again said that I could make payments. The representative said that unless I paid the balance in full the garnishment would proceed. I told him that I don't even earn {$2100.00} a month, much less have disposable funds sitting around. He repeated that my wages would be garnished. I explained to him that I earn {$1700.00} a month, that I'm a single mom, and that I'm raising a XXXX XXXX  child ; I get paid once a month, and 25 % of my income is about {$400.00} a month. The representative repeated that the garnishment was moving forward regardless of my situation. \n\nI have never denied that I am responsible for this debt, and I have never attempted to avoid any communication from XXXXXXXX XXXX XXXX. In the past year I have in fact negotiated lower settlement amounts associated with 2 other past due accounts that were represented by XXXX XXXX XXXX. I have since paid these negotiated balances in full, and they are reflected as such to the credit bureaus. I am fighting tooth and nail to repair my damaged credit score ... bad credit creates a vicious cycle of paying outrageous interest rates that in turn decrease earnings ; earnings that could be put towards bills or put into savings. I had a great experience and relationship with XXXX XXXX and I have the letters verifying that I paid these settled debts in full. XXXX XXXX XXXX XXXX business practices may not be illegal but are certainly immoral and deceiving. I don't even care that they were insulting and rude and spoke to me as if I were XXXX, but the way they conduct business is just wrong. \nI have been more than willing to make payments on my debt and I have made that clear to them numerous times. I believe that XXXX XXXX  XXXX intentionally neglected to follow-up with my offer to make payments on my debt in order to proceed with a wage garnishment. That is just wrong. I am just trying to do the right thing. I did the right thing through XXXX XXXX XXXX and now those debts are paid in full. I can not support my girls if my wages are garnished and I am desperate for any help or guidance you can give me. Thank you so much for your interest and your time.","date_sent_to_company":"2021-12-16T18:21:26.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"30040","tags":null,"has_narrative":true,"complaint_id":"5016809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Velocity Portfolio Group","date_received":"2021-12-16T16:03:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I am fighting tooth and nail to repair my damaged credit score ... bad credit creates a vicious cycle of paying outrageous interest rates that in turn decrease earnings ; earnings that could be put towards <em>bills</em> or put into <em>savings</em>. I had a great experience and relationship with XXXX XXXX and I <em>have</em> the letters verifying that I paid these settled debts in full. XXXX XXXX XXXX XXXX business practices may not be illegal but are certainly immoral and deceiving."]},"sort":[11.651066,"5016809"]},{"_index":"complaint-public-v1","_id":"1486746","_score":11.617352,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I am writing to inform you of numerous problems while trying to obtain a loan for my friend and client,, from PRMG. This experience has been the worst I have ever encountered in my professional life and I think you should be made aware of your companies and employees actions during this process. \nPlease bear with me as this will be lengthy and all inclusive of our experience. \nIn XXXX 2015, we found a beach house foreclosure in XXXX XXXX, XXXX we both fell in love with and decided to put a bid in which was accepted the next day. Our realtor XXXX XXXX suggested we use XXXX XXXX of PRMG as the lender, since we used both of these individuals to purchase our XXXX house. We informed XXXX XXXX that we were planning on renting out or selling the XXXX house and live in XXXX as our principle residence. \nWe negotiated with the bank and secured {$8000.00} in repair costs and they were willing to give in a little more. I instructed our realtor to negotiate a XXXX repair allowance providing all necessary documentation. At this point we were happy and looking forward to a quick and pleasant closing experience. \nThen the nightmare began. I am not sure I can explain what happened so please bear with me. \nXXXX XXXX has a credit score of XXXX with a perfect debt to asset ratio and more than ample savings. In addition the XXXX house has close to XXXX in equity. So the logical choice was to have her name alone on the contract and I would oversee what I thought would be an easy process. \nIt all started when XXXX asked for the usual financial information but did not ask for XXXX 's Tax returns. I spoke with her about this ( very strange as that is usually the first thing required ) and her response was she did not want to raise red Flags? I told her we were not hiding anything and we are upfront and honest people. I let it go thinking she was the expert in the field. Next she had XXXX write a letter stating why she was buying a house. Again I thought this strange but let it go. Her explanation was that the underwriters would have a problem with a principle residence status. I again told her our intentions. Well it turns out she was responsible for all the chaos that has ensued for months and we still have not closed on the property. \nXXXX then told me her \" underwriter '' did not believe us and called it investment property. I again told her that we would furnish tax returns to prove XXXX resided in XXXX and worked in XXXX XXXX XXXX as a XXXX and traveled back and forth. We provided the XXXX XXXX pages at her request. ( she again said she did not want to raise red flags? ) XXXX retains a car in XXXX and stays at my house while working and comes back to XXXX when she has XXXX weeks off each month. She also retains her XXXX license for work purposes and uses my car when in XXXX. I explained this all to XXXX and her response was \" well the tax returns do not prove anything as she could be doing this to avoid paying state tax ''. I then informed her I was a XXXX and she should not say something that she has no knowledge of tax wise and is totally untrue. She then proceeded to focus on the utility bills. In XXXX 's words \" Since XXXX paid the bills online there was no proof that her primary residence was XXXX ''. I sent her all the water bills which come to the XXXX address but the electric bill is only online and is sent nowhere. \nI then get an email that the \" underwriters '' found a pre-foreclosure property in XXXX with her name attached. I thought she was kidding. It turns out that it is her Mother 's house that has been paid off for years and XXXX has no ownership interest. She made XXXX bother and upset he","date_sent_to_company":"2015-07-24T22:57:09.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"329XX","tags":null,"has_narrative":true,"complaint_id":"1486746","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","date_received":"2015-07-24T22:57:08.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Her explanation was that the underwriters would <em>have</em> a problem with a principle residence status. I again told her our intentions. Well it turns out she was responsible for all the chaos that has ensued for <em>months</em> and we still <em>have</em> not closed on the property. \nXXXX then told me her \" underwriter '' did not believe us and called it <em>investment</em> property."]},"sort":[11.617352,"1486746"]},{"_index":"complaint-public-v1","_id":"2648697","_score":11.55604,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am submitting this complaint to let you know about a merchants transaction processing. I have a billing dispute with this merchant and was informed my dispute can not proceed. I was given a different dispute case number in each letter regarding the same dispute, so Ill provide them all in the order I received : XXXX, XXXX, and XXXX XXXX through DBO XXXX ( how it was provided in third letter ). The merchant, XXXX, operates prediction markets at XXXX  The transactions are for deposits in an online trading account. On my credit card statement, these transactions post as purchases and not cash advances. Shouldnt transactions like this be considered cash advances? I have seen other online ( non ATM ) transactions processed as cash advances. Any time money is loaded to an online account, it is usually treated as a cash advance. If these transactions posted as cash advances and due to the lower cash advance limit ( that is a portion of the full credit line ), it would not have been possible for me to deposit as much as I did on this site. My dispute involves 28 transactions from XX/XX/XXXX to XX/XX/XXXXand three transactions in XX/XX/XXXX. First they said the transactions from XX/XX/XXXXto XX/XX/XXXX are too old to be disputed and the XX/XX/XXXX transactions were the only chargebacks completed. Then they said they will consider the 28 transactions ( since there are exceptions to the dispute time limits ) for dispute proceedings, but then a short time later they said vie phone call the transactions cant be disputed because the funds were loaded to an investment account and are older than 60 days while the letter I received a few days later ( only referenced the transactions from XX/XX/XXXX to XX/XX/XXXX ) stated the dispute is denied because when funds are loaded to an investment account, there are no dispute rights ( nothing about a time limit ). If this is the case, then why were the chargebacks completed for the XX/XX/XXXX transactions? I think the XX/XX/XXXX chargebacks were easy because they were within the normal time limit for chargebacks. I believe chargebacks older than 120 days require an extra step/process and they dont want to process them due to the extra work, which is the reason for receiving different excuses for the dispute being denied. I have lost over {$83000.00} on this site through deposits on seven credit cards, with {$23000.00} on Barclay MasterCard. During the month of XX/XX/XXXXalone, I have made over {$44000.00} in deposits. During the month of XX/XX/XXXX, I have made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers, wire transfers, or XXXX. Most online trading sites do not accept credit card deposits or have low limits in how much one person can deposit by credit card. The only way to fund most online trading accounts are by ACH bank transfers or wire transfers. My main reason for my dispute is not about losing money, but about the amounts of funds they allowed me to deposit. While I should not have deposited these amounts, XXXX  should not have accepted unlimited deposits and/or Barclay should not have approved all of the transactions. I noticed recently the merchant violated their own terms of service by accepting too much money. These terms are available at XXXXHome/TermsAndConditions that state, a limit on investment by any single participant in any particular contract [ of ] {$850.00} and You must not deposit more than the permitted amount with the XXXX XXXX. The permitted amounts for any Market are set forth on the Website. Where you deposit ( or attempt to deposit ) more than this amount, the XXXX XXXX will be entitled to reject or return your funds. They took deposits that far exceeded this {$850.00} limit per market on multiple credit cards. I discovered that there were several markets that I lost a lot more than {$850.00} and I counted 19 of these as follows ( all amounts identified are loses ) : AG SEC {$7900.00}, COMM SEC {$2200.00}, ED SEC {$1100.00}, ENERGY SEC {$4800.00}, HHS SEC {$2500.00}, SEC DEFENSE {$1800.00}, SEC STATE {$4900.00}, SEC TREAS {$3300.00}, SEC VA {$1800.00}, TRANS SEC {$1400.00}, AMB CHINA {$1300.00}, OMB {$2100.00}, EPA ADMIN {$3000.00}, SBA {$1400.00}, WH PRESS SEC {$4900.00}, CABINET WOMEN {$2500.00}, RNC CHAIR {$1000.00}, SCOTUS {$2000.00}, and FBI DIR {$1000.00}. These add up to over  {$50000.00} and more than {$35000.00} over the {$850.00} limit. Do you think it is reasonable for a web site to take over {$70000.00} in deposits on credit cards from the same user from XX/XX/XXXX( when I opened my account ) to the end of the year? And this is not even counting deposits made in XX/XX/XXXX. I got over my head, accumulated about {$50000.00} of credit card debt, and lost my life savings on this site.","date_sent_to_company":"2017-08-21T16:20:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"37067","tags":null,"has_narrative":true,"complaint_id":"2648697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2017-08-21T15:38:01.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I <em>have</em> lost over {$83000.00} on this site through deposits on seven credit cards, with {$23000.00} on Barclay MasterCard. During the <em>month</em> of XX/XX/XXXXalone, I <em>have</em> made over {$44000.00} in deposits. During the <em>month</em> of XX/XX/XXXX, I <em>have</em> made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers, wire transfers, or XXXX."]},"sort":[11.55604,"2648697"]},{"_index":"complaint-public-v1","_id":"3011556","_score":11.432498,"_source":{"product":"Checking or savings account","complaint_what_happened":"Know Your Customer : We have been banking with Citi ( Citibank ) for 30 years. My wife and I maintain joint accounts. For the first 29 years we were treated well, never had any complaints, had had a mortgage from them, had a personal loan from them, and we've maintained 2 Citi credit cards. ( We are also Citi shareholders, reflecting our ( prior ) positive opinion. ) Starting XX/XX/XXXX, we started getting KYC questions for more information about our accounts. This we responded to and were told all was in order. We received additional requests over the next 12 months, each time asking basically the same questions, mainly : what is our source of income, and how did we finance our investments? \n\nEach time we are asked, we receive a threatening letter that if we fail to provide the information within a 3 week or so window, our accounts will be blocked. Let me repeat though, we get the requests for the same information each time. ( It should be noted, all this information can be reconstructed by reviewing our account history, details of which Citi has! ) We respond each time immediately and are told all is ok, and that if further information is required Citi will  contact us to request it. \n\nThe latest request that has initiated this CFPB complaint, was dated XX/XX/XXXX. We responded accordingly on XX/XX/XXXX, at XXXX, and were told all would be ok. If Citi needed further information, they would immediately contact us. The threatening letter this time stated that if we failed to respond by XX/XX/XXXX, our accounts would be blocked and it could take up to 2 business days to have our accounts restored. \n\nBetween XX/XX/XXXX and XX/XX/XXXX our accounts were \" blocked ''. This means that we have zero access to our money in either our checking or savings accounts, and Citi prevents any incoming or outgoing payments to be made. We received NO forewarning, and in fact had not been informed of any problems since the XX/XX/XXXX telephone conversation. \n\nWe immediately contacted Citi the morning of XX/XX/XXXX and were told more information was required which we again provided, both myself and my wife, the same as provided on XX/XX/XXXX. It should be noted that we had payments in and out due that day, and important bills to be paid over the coming 2 days. We were told the issue would be resolved as expeditiously as possible, but could take up to 3 or 4 business days, this despite their written policy of it taking 2 business days. \n\nWe then followed up the next day, XX/XX/XXXX, as nothing had been corrected and we had already defaulted on a payment that should have been sent out on the XXXX, and would incur late fees each day on other payments that we should have made the next 2 days ( including one of our Citi credit cards ).  The payment we defaulted on was an investment purchase, so we additionally were missing out on investment income. We followed up each day for the next week, following as many routes as possible, but nothing changed, our accounts remained blocked. Citi told us each time our accounts would be fixed imminently, threated as 'priority ', and that Citi would let us know if further information was required. We received no request for further information. \n\nToday, XX/XX/XXXX, a week after this started, our accounts still blocked, we again called the KYC desk, and this time were told that no information had yet been processed. We again gave the same information as on XX/XX/XXXX and were told it could take another 3 or 4 business days. Without access to our money we had incurred a number of late fees, been unable to make any payments, and for our Citi credit card, are being charged a penal interest rate. \n\nWe had concluded that Citi must regard us as a huge risk for whatever reason, and by doing so are putting our credit/FICO history in jeopardy. Plus, of course, Citi are generating fees for themselves. This is a case of complete incompetence or some kind of scam for fee income. No matter how many times we ask, we get no response as to why we are being treated this way. Citi 's customer service is non existent over the telephone, email, messages, etc., and unfortunately there are no Citi branches in the state where we live. \n\nWe plan to go to our Citi branch where our account is maintained in XXXX today, an hour and a half journey each way, to see a manager and hopefully get something done.","date_sent_to_company":"2018-09-07T07:58:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"3011556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-09-07T02:37:08.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["We then followed up the next day, XX/XX/XXXX, as nothing had been corrected and we had already defaulted on a payment that should <em>have</em> been sent out on the XXXX, and would incur late fees each day on other payments that we should <em>have</em> made the next 2 days ( including one of our Citi credit cards ).  The payment we defaulted on was an <em>investment</em> purchase, so we additionally were missing out on <em>investment</em> income."],"product":["Checking or <em>savings</em> account"]},"sort":[11.432498,"3011556"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":70,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":70}]}},"product":{"doc_count":70,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":12},{"key":"Savings account","doc_count":6},{"key":"Other banking product or service","doc_count":2}]}},{"key":"Mortgage","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":8},{"key":"Conventional fixed 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