{"took":204,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":35,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3940984","_score":23.433886,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I contacted Paypal, and they put me in touch with their Limitations department, where I spoke with XXXX. She looked into the PayPal Cash Card that was sent to me unsolicited and initated a three party call with The XXXX XXXX, that issued the card. XXXX at XXXX had my social security number and date of birth, which had been used to open the account, and which I had NOT provided to Paypal or XXXX at any time. The card had my maiden name only on it, not my married name. XXXX closed the account opened in my maiden name, and XXXX put a block in Paypal for future cards to be opened. She also sent me information on how to report the social security number fraud to the three credit bureaus and the Federal Trade Commission. There were not any transactions yet on the card, but now I want to make sure others are not opened in my name with my information.","date_sent_to_company":"2020-11-24T18:32:47.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"488XX","tags":null,"has_narrative":true,"complaint_id":"3940984","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2020-11-06T19:34:57.000Z","state":"MI","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["<em>XXXX</em> closed the account opened in my <em>maiden</em> name, and <em>XXXX</em> put a block in Paypal for future <em>cards</em> to be opened. She also sent me information on how to report the social <em>security</em> number fraud to the three credit bureaus and the Federal Trade Commission. There were not any transactions yet on the card, but now I want to make sure <em>others</em> are not opened in my name with my information."]},"sort":[23.433886,"3940984"]},{"_index":"complaint-public-v1","_id":"1817443","_score":21.893137,"_source":{"product":"Credit reporting","complaint_what_happened":"This is the second time I file a complaint against Lexis Nexis Risk & Information Analytics Group Inc. \nI received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information Analytics Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016. \nUpon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social security number, date of birth, zip code, address number, and phone number ready. I provided my social security number to the automated system and the automated system stated that the social security number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message. \nThe contact information provided for LexisNexis Risk & Information Analytics Group Inc. is the following : LexisNexis Risk & Information Analytics Group Inc. \nXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have attached my driver 's license with both my maiden name and married name. \nI have included my social security cards, XXXX with my maiden name and the other with my married name. \nI also included a copy of my most recent utility bill with my maiden name and current address. \nI included a copy of my banking statement with my current address. \nFinally, I attached a copy of the adverse action notice received.","date_sent_to_company":"2016-03-06T21:59:51.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"88005","tags":null,"has_narrative":true,"complaint_id":"1817443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2016-03-06T21:59:51.000Z","state":"NM","company_public_response":null,"sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, GA <em>XXXX</em> ( <em>XXXX</em> ) <em>XXXX</em> I have attached my driver 's license with both my <em>maiden</em> name and married name. \nI have included my social <em>security</em> <em>cards</em>, <em>XXXX</em> with my <em>maiden</em> name and the <em>other</em> with my married name. \nI also included a copy of my most recent utility bill with my <em>maiden</em> name and current address. \nI included a copy of my banking statement with my current address. \nFinally, I attached a copy of the adverse action notice received."]},"sort":[21.893137,"1817443"]},{"_index":"complaint-public-v1","_id":"9397737","_score":19.975016,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I started having problems with my account. I ended up getting a new card and account and I had the same issue. I went into the branch and requested to close my accounts and they blocked me and they had asked and received my marriage and maiden social security cards, phone bill, my financial aid documents from XXXX from school and copy of date my email address was created, copy of my XXXX drivers license, then they changed my number and said I would receive a code to unblock my account in the mail, the code came Friday and they said it was not the code, and its been a week and no other code has come though they claim that the code I have is not the code. It is becoming depressing with my XXXX and I cant deal with this anymore.","date_sent_to_company":"2024-07-05T12:36:42.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"90038","tags":null,"has_narrative":true,"complaint_id":"9397737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-07-01T22:45:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I went into the branch and requested to close my accounts and they blocked me and they had asked and received my marriage and <em>maiden</em> social <em>security</em> <em>cards</em>, phone bill, my financial aid documents from <em>XXXX</em> from school and copy of date my email address was created, copy of my <em>XXXX</em> drivers license, then they changed my number and said I would receive a code to unblock my account in the mail, the code came Friday and they said it was not the code, and its been a week and no <em>other</em> code has come though"],"sub_product":["<em>Other</em> banking product or service"]},"sort":[19.975016,"9397737"]},{"_index":"complaint-public-v1","_id":"11875461","_score":17.780487,"_source":{"product":"Credit card","complaint_what_happened":"I received a letter from Bank of America that if I did not use one of my credit cards by a certain date, they were going to close my account. so I called Bank of America on XX/XX/XXXX spoke to XXXX individuals XXXX by the name of despiny The other XXXX XXXX first told me she could take care of me then she reversed course and said I would have to speak to the debit department, so I spoke to the debit department told him I had no debit card if I did, it was destroyed when I received it they told me I had a checking account. I told him I never received any checks from Bank of America and I didnt care to have a checking account. then at the end of the conversation they told me that I had XXXX XXXX to XXXX XXXXXXXX to close my account. I identified myself to the XXXX people above. They had no trouble with my identification Social security number. Date of birth? Account number of the XXXX card I have on person. now they tell me Ive got XXXX XXXX to XXXX XXXXXXXX. I gave them my Social Security number.. I gave them XXXX of the account numbers of the credit card that I have. I think I told him my mothers maiden name I gave him my current telephone number not Once ( repeat ) they never ask me my address where my bills are sent And I XXXX have given it I dont recall. I didnt open this account at the bank with these credit cards so I dont see no reason why I should have XXXX XXXX XXXX miles to close my account I have earnings on these cards. I dont know how much but if not done in the proper amount of time, I lose the earnings automatically. I dont feel like I should have XXXX XXXX to the bank to close my account.","date_sent_to_company":"2025-01-31T19:20:08.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"74804","tags":"Older American","has_narrative":true,"complaint_id":"11875461","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-31T18:54:08.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I gave them <em>XXXX</em> of the account numbers of the credit card that I have. I think I told him my mothers <em>maiden</em> name I gave him my current telephone number not Once ( repeat ) they never ask me my address where my bills are sent And I <em>XXXX</em> have given it I dont recall. I didnt open this account at the bank with these credit <em>cards</em> so I dont see no reason why I should have <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> miles to close my account I have earnings on these <em>cards</em>."]},"sort":[17.780487,"11875461"]},{"_index":"complaint-public-v1","_id":"2082378","_score":15.709978,"_source":{"product":"Debt collection","complaint_what_happened":"I received a phone call from someone at ARA Inc. who was very gruff, he used my first name and maiden last name which i have not gone by since XXXX. I asked what it was in reference, and first he said they were not a collection agence and in the next breath he said that I had an open credit account and a balance due of {$2700.00} plus fees plus interest with some bank which i never heard of, and said the account was open between XXXX, which is impossible. When I got married in XXXX I did not have any outstanding debt. He then read my social security number. I did not confirm or deny my name or my SSN and I hung up on him. He called me right back and I said I dont know who you are or what you want and I have neither confirmed nor denied my name or SSN, he said \" I know it 's your SSN '' He went on to say that he knew it was my debt because it was on all XXXX of my ( XXXX, XXXX and XXXX ) credit reports. I repeated that I had not confirmed either my name or SSN and then he began taunting me saying \" I know it 's you, I know it 's your SSN '' and I hung up again. Then I got the number from my caller ID and called back to find out the name of the company. ARA Inc . I XXXX them and did find their website XXXX in XXXX, IL, every other search result was of people complaining that they were scammers. What threw up the red flag was the fact that he used my correct first name, but not my legal last name - again, my legal, married last name since XXXX. I 'm now divorced since XXXX, and use my maiden name on social media only, but not on any bank accounts, credit cards, utilities, the deed to my home XXXX, etc. I then went and checked all XXXX credit reports and it was not on any of them. I am now afraid of what they might do with my SSN. How do I make them cease and desist, and how do i protect myself? My XXXX score is in the very high XXXX. Has anyone else had a problem with this company?","date_sent_to_company":"2016-08-26T01:16:20.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"10310","tags":null,"has_narrative":true,"complaint_id":"2082378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Financial Credit Service, Inc.","date_received":"2016-08-26T01:16:19.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["I <em>XXXX</em> them and did find their website <em>XXXX</em> in <em>XXXX</em>, IL, every <em>other</em> search result was of people complaining that they were scammers. What threw up the red flag was the fact that he used my correct first name, but not my legal last name - again, my legal, married last name since <em>XXXX</em>. I 'm now divorced since <em>XXXX</em>, and use my <em>maiden</em> name on social media only, but not on any bank accounts, credit <em>cards</em>, utilities, the deed to my home <em>XXXX</em>, etc."]},"sort":[15.709978,"2082378"]},{"_index":"complaint-public-v1","_id":"2162256","_score":15.362343,"_source":{"product":"Credit card","complaint_what_happened":"On XXXX XXXX, 2016, I received from Amazon.com & partner Chase, an unsolicited \" Amazon Rewards VISA '' credit card. As shown in the uploaded pdf files, this unlawfully issued card had a credit limit of {$6500.00}. I shredded it immediately and called Amazon customer service, who in turn referred me to Chase security. According to them, my personal information was used by a \" 3rd party '' to request the credit card. However, neither was willing to show me any proof of the information used by this so-called \" 3rd party ''. For example, they said the personal information included the answer to my security question asking for my mother 's maiden name. I asked what the so-called 3rd party 's answer was to that question and they could only say that it was \" my name '', which is not the established correct answer to that security question. I told each that they should be able to provide me all information used to open a credit card in my name, but they were not able ( or not willing ) to provide me any proof that it was not they who issued this unsolicited credit card. Moreover, I told them that the card came to my address, rather than the address or post office box of a so-called 3rd party ... a fact that makes no sense when a 3rd party had nothing to gain by sending the card to my address. I then contacted XXXX of the XXXX credit reporting agencies, which shared my fraud alert with the other XXXX credit reporting agencies. Each of them provided confirmation of the alert. \nThe XXXX document in the uploaded pdf file, shows another instance of Amazon.com and Chase issuing an unsolicited Amazon Rewards VISA for a credit limit of {$5000.00} to another consumer. Finally, the third document in the uploaded pdf file, is the XXXX XXXX CEO 's recent admission that XXXX had also been issuing unsolicited credit cards and other services. Perhaps this was an Amazon/Chase attempt to keep up with their XXXX competition. \nI am requesting that the CFPB require Amazon and Chase to provide to the CFPB, and to me, all information use in requesting and issuing this unsolicited credit card, in a sincere and good-faith effort to convince me that they issued this credit card based on information provided in a request by a 3rd party!","date_sent_to_company":"2016-10-15T16:19:14.000Z","issue":"Unsolicited issuance of credit card","sub_product":null,"zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"2162256","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-10-15T16:19:14.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Finally, the third document in the uploaded pdf file, is the <em>XXXX</em> <em>XXXX</em> CEO 's recent admission that <em>XXXX</em> had also been issuing unsolicited credit <em>cards</em> and <em>other</em> services. Perhaps this was an Amazon/Chase attempt to keep up with their <em>XXXX</em> competition."]},"sort":[15.362343,"2162256"]},{"_index":"complaint-public-v1","_id":"3841931","_score":14.654601,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was apparently a victim of Chase 's shutdown pattern in XXXX, never having a late payment, and having consistent credit scores of XXXX. They cancelled All three of my Chase cards on approximately XXXX XXXX, XXXX ... The strange thing was that I never did get any answers as to why they closed my accounts. \n\nFast forward to XX/XX/XXXX, and I have to cancel a reservation for a campsite I made on XXXX in back on XX/XX/XXXX due to COVID. There were three separate refunds processed, each for {$50.00} a piece. Totaling {$150.00}. Because I booked the reservation with my Chase Sapphire card that ended in XXXX, ( that was closed on XXXX XXXX, XXXX ), XXXX apparently processed the refund back to that card. I had had a few other refunds processed due to the pandemic, and it was easy enough for me to call to request my refund via a check. But since I had not made any charges, or had any recent refunds on that account, I had not logged into my online account for awhile. So a few days after the refund is apparently processed, I log into my account, and that particular card ending in XXXX isnt showing up. My other two closed cards are still showing up, with their zero balances, but no sign of the card that should have a refund for {$150.00} posted. I still have the physical card, as I keep all of them once closed for at least a year in case any problems arise. So, I call and when I enter my card number into their automated system, there seems to be zero record of this card ever existing. Keep in mind, the card had not even been closed for 6 months. So how does it disappear? I'm pretty sure there is something illegal about them doing this with my information. Isnt there some record retention law that states they must keep information about that card on file for at least a year? So finally they tell me they are unable to give me any specific information about this card ( why? ), and when I finally get through to someone, I am told I will need to fax them so they can launch an investigation. Fax? So I do that. I send pictures of the card, etc. \n\nI finally receive a letter in the mail explaining that they PURGED my account ( that has not even been closed for 6 months, mind you ), and so the refund never posted to my account. They claim they returned the money back to XXXX 's bank on XX/XX/XXXX, and gave me three reference numbers. I have attached that letter. When I get back to XXXX, they tell me they are only able to trace one of the {$50.00} refunds, but that is it. They said they can send me the {$50.00} but that I will need to contact Chase again about the rest of the money. I have attempted to escalate the issue with XXXX to no avail. Something about all of this seems extremely fishy. I just want my {$150.00} credit that I am due! When I ask XXXX for some tracking numbers or more information so that I can take the issue back up with Chase, I get no answers. They aren't willing to send me any proof, or which tracking numbers Chase sent that they are unable to trace. They are only willing to send me the {$50.00} and that is it. I have not heard back from Chase regarding this issue. It is difficult for me to call them since they have zero record of this account ever existing, and it takes forever to get past the touch tone prompting system. \n\nA little background ... I had been a Chase customer for years, and had 3 commercial credit cards to my name, all from Chase bank. I have always had exceptional credit, always paid my bill on time, always paid my annual fee. All was well for years until I moved to XXXX  from my home state of XXXX   after a divorce and changed my name back to my maiden name in XXXX of XXXX. I was able to change my address successfully with Chase as soon as I made the move. The following month, XX/XX/XXXX, I was finally able to legally change my name back to my maiden name. I called the customer service number on the back of my card to get the details on the information they required for this name change : a copy of the divorce decree, my social security number, a copy of my drivers license, and possibly a 4th piece of identification, but I dont remember exactly. I remember sending more than the required information to all 3 cards. They were big envelopes due to the requirements of the divorce decree. I had to send a letter to each card, so three sets of information. It took about 10 days and new credit cards were issued in my new name. \n\nThen, around XX/XX/XXXX, which is 6 months after my name change, I got the dreaded letter outlined in an article from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   seemed like a phishing scam to me ... the letter seemed to be photocopied onto the paper, was addressed to my married name, and said it was in regards to my account ending in XXXX. Thats right, there was not the last 4 digits like normal when a credit card sends you correspondence. Just a single number. Also, of note, was the fact that the information in the letter where they would drop in identifying information about each particular customer like in a template, was blank. Like someone sent it out in a hurry and didnt bother to double check it before mailing. It requested my tax info, another copy of my social security number, and a w4. Fishy!! I was suspicious. So, rather than calling the number listed on the letter ( really thinking it was likely a phishing scam ), I called the customer service number on the back of my card to inquire. \n\nI told them of the letter, read what it said, and explained why I thought it might be a phishing scam. I wanted to know if I should do anything about it. The guy on the other end was dumbfounded, said my account was in excellent standing ( I have always had a credit score of XXXX ) and wasnt sure why I would get that letter, and that I should disregard it. So, I did. Big Mistake. \n\nI never heard anything more until about the XXXX or XXXX of XXXX when I went to make a purchase and my card was declined. I attempted to use my other 2 cards to find out they didnt work either. I called and was informed my account was closed. This is where it gets really frustrating. No one would give me any information. I spent somewhere around 10 hours on the phone, getting passed around from department to department, no one hearing of this or knowing what to do, who I could talk to. And I experienced extremely RUDE individuals, not believing I had ever called customer service about the letter ( apparently there was no record of my phone call ), I mean, just mind-boggling. I was able to get someone to resend me the letter with the requested forms, sent them out, With additional proof of my name change including my passport, and never heard a peep from anyone. Of course, then the pandemic hit. \n\nI finally just gave up because I decided it wasnt worth all the time and energy I was putting into all of this, and ultimately decided I will never be a customer of Chase ever again. I do believe they are possibly involved in fraudulent activity. Of course my credit score took a huge hit and I am now residing in the XXXX while I rebuild my credit from ALL of my cards being cancelled. I did seem to possibly figure out that it had something to do with my name or address change, but it blows my mind because I know there are people changing their names all the time. The one thing that stood out, was that my name on my ONLINE account was never changed to my maiden name. The only time I noticed it was when I went to make a payment on the app ( which is what I used the majority of the time to manage my account ), it would show my maiden name. I never thought too much about it, but I had sent a couple emails about it and made a couple calls about it, but no one seemed to know what I was talking about or how to change it and I just chalked it up to an IT department glitch with the app. \n\nWhats even more maddening, is that I called each credit card, and requested which specific details of my information they needed to process my name change, and not a single one of them ever suggested that I actually had to send the information to an additional department. What I think I figured out is that the credit department and the lending department do not communicate or share information. So it seems that even though I was able to successfully change my name with the credit department and obtain new cards with my maiden name on them, I was somehow supposed to know that I also had to contact the lending department to inform them of my name change also. Again, somehow thats something Im supposed to know, that the credit department and the lending department do not communicate or share information? Seems like a shady, XXXX business to me. Why should a customer pay the price of a blow to the credit when I did everything ( to my knowledge ) correctly? And from reading your article, I dont think I fell into any of those categories of suspicious activity, but I did use my cards for every purchase, and paid them off every single month. I never kept a balance. So is that the new red flag for them? \n\nWhats even crazier, is that I have kept my cards due to all this craziness going on. I was getting a lot of refunds from trips and concert tickets from cancelled shows from purchases make at the end of the year and beginning of XXXX due to Covid. So several times, I had to call and request that they send me a check for my refund. It has never been a problem until ... \n\nAnd back to my issue of me never receiving my {$150.00} refund I am due. I will include attachments of the chase letter, of correspondence from Recreation.gov, and copies of my receipts from Recreation.gov. \n\nI just really need and want my {$150.00} credit. My dog has XXXX and is going through XXXX treatments and I could really use this money to help pay for this. It is wrong that I am again having to spend so much time on the phone with both companies, and no one is giving me the information I need to investigate further. \n\nIt would be nice to know WHY they closed all three of my accounts, then PURGED the credit card account I used the most, and now is refusing to give me the refund I am due. But most important, I just want my {$150.00} refund ( three separate credits of {$50.00} each ). I will never ever be a Chase customer again.  And likely, will never book with XXXX again.","date_sent_to_company":"2020-09-11T05:54:59.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"816XX","tags":null,"has_narrative":true,"complaint_id":"3841931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-09-11T04:44:52.000Z","state":"CO","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The guy on the <em>other</em> end was dumbfounded, said my account was in excellent standing ( I have always had a credit score of <em>XXXX</em> ) and wasnt sure why I would get that letter, and that I should disregard it. So, I did. Big Mistake. \n\nI never heard anything more until about the <em>XXXX</em> or <em>XXXX</em> of <em>XXXX</em> when I went to make a purchase and my card was declined. I attempted to use my <em>other</em> 2 <em>cards</em> to find out they didnt work either. I called and was informed my account was closed."]},"sort":[14.654601,"3841931"]},{"_index":"complaint-public-v1","_id":"5240622","_score":14.574778,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"A. XX/XX/XXXX : XXXX XXXX flight XXXX XXXX XXXX XXXX XXXX XXXX ) Stewardess announces XXXX free airline miles + other benefits to fill out XXXX XXXX XXXX XXXX Application before end of flight. She travels down the aisle passing out applications. \n\nXXXX ) I fill out the XXXX XXXX XXXX  paper Application : Contains my name, address, date of birth, social security number, income, mothers maiden name, my signature and the XXXX Promotion code # XXXX. ( I have attached picture of my filled out application. ) XXXX ). I hand my completed XXXX XXXX XXXX  XXXX application to the stewardess who collected them as the plane landed in XXXX. XXXX anxious to get the card and use the benefits. \n\nXXXX XXXX XXXX From : Frontier Airlines XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Subject : Your account is now active Hi XXXX, Just a note to confirm that we've activated your FRONTIER Airlines XXXX XXXX on XX/XX/XXXX. Get to know all your great benefits at XXXX. \n\nIf you did not activate your card, please call us immediately at ( XXXX ) XXXX. \n- XXXX XXXX XXXX from : From : Frontier Airlines XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX  EST To : XXXX Subject : Account Alert : PIN change Hi XXXX, We're confirming your recent request to change the PIN for accessing your account ending in XXXX on XX/XX/XXXX. \n\nIf you do not recognize this request, please contact us immediately at ( XXXX ) XXXX. \n\nXXXX XX/XX/XXXX : I read both emails very early morning, ( XX/XX/XXXX ) and dial ( XXXX ) XXXX immediately. XXXX. I state : I never received a XXXX credit card. Neither did I activate or change a PIN number. I have no information on any of this and in fact I was watching my mail for the card because I wanted to use its benefits. Representative stated : card was used., I will close it and ID fraud and send you a new card. I say, Yes, close it immediately, I did not receive any XXXX Credit Card. \n- XXXX ). About XX/XX/XXXX : I received the XXXX XXXX issued XXXX. ( Card ending in XXXX ). I put it aside and Did NOT activate it. \n\nF ). XX/XX/XXXX : I receive letter from XXXX : dated XXXX. \nAccount ending in XXXX. \nRe XXXX XXXX XXXX XXXX : This Letter is a response to your question about a XXXX charge from XXXX # XXXX on your account. We issued a provisional credit to your account for the full disputed amount on XX/XX/XXXX while we investigated this activity. XXXX completed the investigation and found that the activity is valid. Therefore the provisional credit has been reversed and the amount owed has been placed back on your account. subject to minimum balance and interest, Questions or concerns to XXXX XXXX XXXX. \n\nXX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I speak to C : I recant the entire story. \nXXXX I never received a XXXX card ending in XXXX. It was closed and fraudulent activity noted by XXXX. \n\nXXXX ) - I received the XXXX XXXX XXXX ending in XXXX but it was never activated. This is a real big problem. Close out this account too. \n\nXX/XX/XXXX XXXX transfers me to XXXX, account specialist. I recant the whole story again. XXXX reopened XXXX case # XXXX. She confirmed that the XXXX XXXX XXXX ending in XXXX was never activated. She said I would get a call back and that there was a XXXX XXXX XXXX in progress that was automatically generated from the XXXX card cancellation. I said, absolutely not. I dont trust this card or customer service to get it right and frankly the fact that a stewardess collected paper applications with heavy personal content tells me that XXXX XXXX XXXX opportunity for internal security breach. I requested and received phone number XXXX XXXX XXXX for XXXX from XXXX. \n\nXX/XX/XXXX. I call XXXX XXXX XXXX XXXX to inquire about the {$720.00} purchase. A Fraud person calls me back XX/XX/XXXX while I was driving. I told the XXXX fraud person all events. Person said XXXX large gift cards were purchased at XXXX located XXXX XXXX XXXX XXXX NJ with the XXXX XXXX. XXXX was made by scanning the plastic credit card around XXXX XXXX  on XX/XX/XXXX, - XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an update. I spoke to XXXX who was VERY difficult and said the XXXX case was closed because I said I had the credit card. ( What???? No first card received and XXXX card was not activated ). And as he barked orders that it was my responsibility to disprove that the {$720.00} was not mine, he said this account remained open, which I later confirmed was incorrect. ( Account was closed and the XXXX $ annual charge was removed,. I am very annoyed that this guy XXXX @ XXXX XXXX XXXX is providing such a lack of customer service. \n- XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX to ask more questions. She referred to XXXX case # XXXX. I gave her the XXXX XXXX # XXXX updates so she could add to XXXX case which had been closed. XXXX specialist will call me and provide their documents. I gave her the rep, XXXX name and phone contact. She said it sounds like XXXX XXXX may have internal gaps and airline stewardesses should not be handling paper applications with highly confidential content, - XX/XX/XXXX. I call XXXX XXXX NJ Police XXXX XXXX XXXX. XXXX. XXXX # XXXX. XXXX XXXX. He writes up XXXX XXXX XXXX facts in Fraud Report # XXXX. Report will be released to me until XXXX days, but Credit card security can call at any time. \n- XX/XX/XXXX. I call XXXX back to give updates for case XXXX and XXXX and XXXX XXXX police case numbers. XXXX XXXX XXXX says she cant take any of their information and if I have anything additional to add, send to fax # XXXX XXXX XXXX. \n\n- So heres where I stand : I am not going to pay for fraud. I will never use Barkleys or XXXX of their products again. \n\nI have an XXXX credit score to protect. I also have to protect my identity : social security number, mothers maiden name, my birth date, phone number, address, income and signature - all because I was a victim of fraud through XXXX. Ive now signed up for XXXX cyber security, and have locked all XXXX credit reporting accounts and am doing my best to deter the use of my private information. \n\nFacts : XXXX XXXX XXXX has taken no responsibility for {$720.00} fraud. I have now spent hours on a problem I did not create. \n\n**XXXX has serious security gaps in their credit card processes : XXXX ). Paper applications with confidential content should not be solicited or handled by airline employees. No security XXXX ). A XXXX XXXX XXXX PIN can be changed XXXX simply using a social security number and mothers maiden name. Low level security XXXX ). Social security number and Mothers maiden name are written on all XXXX XXXX paper applications. No security **I notified XXXX on XX/XX/XXXX, immediately upon receiving their email informing me that XXXX ) card ( ending in XXXX ) had been activated XXXX ) card ending in XXXX pin had been changed- I stated to them on XX/XX/XXXX that any charge was FRAUD as I never received the card ending in XXXX. \n\n***a Dispute Resolution letter Referenced XXXX {$720.00} charge to card ending in XXXX made on XX/XX/XXXX, and disputed on XX/XX/XXXX. \nCard ending in XXXX wasnt created at that time or activated ( then or now ) as confirmed by XXXX Acct Specialist, XXXX And- the first card never arrived. \n\nIn Mail fraud, the fraudster would NOT have access to my mothers maiden name in order to change the card pin. But my mothers maiden Name was written on the paper application and handed to the flight stewardess. I appreciate your help to resolve. \n\nThank you. \n\n\nSent from my XXXX","date_sent_to_company":"2022-02-19T20:15:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"070XX","tags":"Older American","has_narrative":true,"complaint_id":"5240622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2022-02-19T18:56:19.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Facts : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> has taken no responsibility for {$720.00} fraud. I have now spent hours on a problem I did not create. \n\n**<em>XXXX</em> has serious <em>security</em> gaps in their credit card processes : <em>XXXX</em> ). Paper applications with confidential content should not be solicited or handled by airline employees. No <em>security</em> <em>XXXX</em> ). A <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> PIN can be changed <em>XXXX</em> simply using a social <em>security</em> number and mothers <em>maiden</em> name. Low level <em>security</em> <em>XXXX</em> )."]},"sort":[14.574778,"5240622"]},{"_index":"complaint-public-v1","_id":"11997749","_score":14.467216,"_source":{"product":"Credit card","complaint_what_happened":"On Friday, XX/XX/XXXX I received alerts from XXXX and XXXX XXXX XXXX stating that a hard inquiry had been added to my XXXX XXXX credit report. Because I had not recently applied for loans or credit cards, I checked XXXX XXXX, and saw that the hard inquiry was for a capital one credit card. I immediately called capital one and spoke to a representative and explained the situation, and that I had never applied for a capital one credit card nor had any knowledge of a capital one credit card being opened with my name and Social Security number. She stated that there was currently no account open with my Social Security number, but suggested that I call XXXX XXXX to dispute the hard inquiry. I asked if there was a way to ensure that this account would not be created, and that charges would not be occurring on a credit card that I did not apply for. She stated that I should call back towards the end of the week, and see if the account had been approved yet, and speak to the fraud department if it was created. I then asked her if there was a way to document the phone call I had made to the company and she had stated since there was no account yet, there would be no way to prove or document the conversation. She once again suggested that I contact XXXX XXXX before we ended the call. I then created an account with XXXX XXXX to view my credit report and saw there was a phone number on my account that I have never had or been associated with. Upon further investigation, I then saw the hard inquiry requested on XX/XX/XXXX from capital one with a fraudulent address and the previously mentioned phone number associated with my maiden name, even though my last name changed in XXXX of XXXX. I was able to remove the phone number from my credit report, but then decided to file an identity theft claim through XXXX. After that, I reached out to XXXX XXXX, and the representative stated all the information I needed to begin a dispute. She then confirmed that I had put my account on fraud alert, as well as froze my credit report, and suggested that I freeze my credit report with the other XXXX major credit bureaus.","date_sent_to_company":"2025-02-08T04:10:40.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"325XX","tags":null,"has_narrative":true,"complaint_id":"11997749","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-08T03:17:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["On Friday, XX/XX/<em>XXXX</em> I received alerts from <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> stating that a hard inquiry had been added to my <em>XXXX</em> <em>XXXX</em> credit report. Because I had not recently applied for loans or credit <em>cards</em>, I checked <em>XXXX</em> <em>XXXX</em>, and saw that the hard inquiry was for a capital one credit card."]},"sort":[14.467216,"11997749"]},{"_index":"complaint-public-v1","_id":"7844378","_score":14.407281,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear sir, I would like to file the complaint and dispute my credit report, which issued by your company, Experian, and sent to my email address, XXXX, on XX/XX/XXXX of 2023. My report number is XXXX. There are three parts which need to be disputed. \n\n1. Personal Information : Name ( s ) Associated with My Credit. \nXXXX XXXX XXXX ( XXXX ) There are two names listed. I want to dispute one of them, XXXX XXXX XXXX. My legal name in XXXX and the United States is XXXX XXXX. I do not have any middle name in legal status. My husband family name is XXXX. Since I have decided to keep my XXXX family name as a legal family name, I do not use it for any legal issues ; even though I might have used it for some shopping reward cards. If possible, somebody might have tried to add my mothers maiden name XXXX as my maiden/middle name ; however, I do not use it since it does not relate with me at all legally. \n\nXXXX. Address ( es ) associated with my card. \nXXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Multifamily XXXX XXXX have never lived XXXX XXXX XXXX XXXX Since I have lived XXXX XXXX XXXX XXXX XXXX XXXX, I know this questioned address should be situated in the same apartment complex, XXXX XXXX in XXXX XXXX. However, this apartment complex has XXXX apartments for each number ; therefore, only XXXX without A, B, C, and D is suspicious. And I am not sure why our apartment compartment is called multifamily, even though each apartment can have XXXX, XXXX, or XXXX depending on the numbers of bedroom ( s ).\n\n3. Other personal information associated with my card. \nXXXX My spouse has legal name XXXX XXXX. Since our family names are different, it might be better to mention his family name.\n\n4. My Personal Statement on the report.\n\nID SECURITY ALERT/ACTIVE DUTY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. \nAs I am not on active military duty, I can not understand the content of this personal statement. I have received the notification of FTC Identity Theft report ( XXXX ). Also, I can not understand what without my consent to fraudulently obtain goods or services. At all, since I do not know clearly what were obtained through the fraudulent and illegal activities regarding my identity. \n\n\nSincerely,","date_sent_to_company":"2023-11-13T17:54:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"7844378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-13T17:51:11.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["My husband family name is <em>XXXX</em>. Since I have decided to keep my <em>XXXX</em> family name as a legal family name, I do not use it for any legal issues ; even though I might have used it for some shopping reward <em>cards</em>. If possible, somebody might have tried to add my mothers <em>maiden</em> name <em>XXXX</em> as my <em>maiden</em>/middle name ; however, I do not use it since it does not relate with me at all legally. \n\n<em>XXXX</em>. Address ( es ) associated with my card."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[14.407281,"7844378"]},{"_index":"complaint-public-v1","_id":"2440372","_score":13.509215,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been a Policy Holder with  USAA  since  XXXX  as well as a Credit Card Holder for more years than I care to remember. The past several years my credit cards have been hacked into where services or products were ordered by the HACKERS. I notified USAA and they were Quick to provide me with New credit cards as those cards that were hacked into was Deactivated. This happened so often it was sickening. During  XXXX  I wrote to the Texas Department  of  Insurance. They contacted USSA &amp;  XXXX   XXXX  in the  Executive Soloutions D epartment who was assigned to resolve my issues. He did nothing, no return calls or e-mail replies as others in the Credit Card Department who were assigned to look into all the DISPUTED charges and never questioned the vendors who charged my credit cards for unauthorized purchases. I then CANCELED both cards on or about  XXXX   XXXX   XXXX  which had a combined credit line of  XXXX . I filed a Formal Complaint with the  XXXX  Credit Card  XXXX  on  XXXX   XXXX   XXXX . I went on line yesterday  XXXX   XXXX .  XXXX  is alleging I was delinguent in not paying {$360.00} in which USAA lied. I had a  XXXX   XXXX  ) Balance.. It was I that closed out my Credit Cards with USSA. As a result of their actions, my FICO score of  XXXX  was reduced to  XXXX . USAA tarnishes my character &amp; reputation by their untrained negligent personnel.. In all my dealings with lower eschlon personnel, Supervisors and  Executive Solutions Personnel,  who never returned my calls, and through this Fiasco of the la st 3  or 4 years where I never get to speak to the same person twice. When I call USAA I have to undergo Cross Examination as if I was a criminal. They want my USAA Membership  # which is  XXXX , My telephone #  XXXX   XXXX   XXXX . My  XXXX  letter PIN #, My Social Security #  XXXX  's Maiden name and the  XXXX  numbers that appear on the TOKEN that was given to me. Now that I passed scrunty I was asked the name &amp; person I was to speak to. That person was NEVER there. I sent e-mails even to the USAA CEO  XXXX   XXXX , never to receive the courtesy of a reply or asknowledgement of the CEO  XXXX  who never assigned some person to respond to my phone calls or e-mails. Is it any wonder that I canceled both credit cards?  XXXX   XXXX  requesting that CFPB conduct an Investigation AND an INTERNAL AUDIT a t USSA in   XXXX   XXXX   ,  Texas  XXXX  so the CFPB can uncover how ill traine d USAA actually is in that one Dep artment does no commucate with another. It 's so inefficient, you could pull your hair out in scher disgust.    USAA had requirements of being a   XXXX   XXXX   to be come a member. However. the services which was  Superior at one tim e diminished  to Poor &amp; Abominal, w hich is why with thousands of Officers leaving USAA in droves. and the loss of millions of dollars  in Premiums &amp; Billing in the Credit Department, USAA now  has operned their doors tyo anyone foolish enough to want to be  a USAA member. The USAA i knew  is long gone &amp; the proper send off whould have been to have a  Funeral Service for USAA. Please acknowledge receipt of this inclusive Bill of Particulers.Further   XXXX  is now conducting an investigation as requested by me on  XXXX . I have no doucuments to submit at this time. My hone phone # is  XXXX   XXXX . My e-mail is  XXXX  XXXX  XXXX . I extend my best wishes to you at this time in attempting to resolve these issues, especially having my FICO Score to returned to  XXXX  I have NO Debts, No Mortgage or Car : Loans or Personal loans. I asm financially secure and sound as I have NO Debts which is worth repeating.   Respectfully Submitted  XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).","date_sent_to_company":"2017-04-19T17:16:32.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"11552","tags":null,"has_narrative":true,"complaint_id":"2440372","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2017-04-18T23:53:47.000Z","state":"NY","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["They want my USAA Membership  # which is  <em>XXXX</em> , My telephone #  <em>XXXX</em>   <em>XXXX</em>   <em>XXXX</em> . My  <em>XXXX</em>  letter PIN #, My Social <em>Security</em> #  <em>XXXX</em>  's <em>Maiden</em> name and the  <em>XXXX</em>  numbers that appear on the TOKEN that was given to me. Now that I passed scrunty I was asked the name &amp; person I was to speak to. That person was NEVER there."]},"sort":[13.509215,"2440372"]},{"_index":"complaint-public-v1","_id":"7619509","_score":12.933328,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am a XXXX XXXX. I have a court order that was signed in XXXX of XXXX that entitles me to have my XXXX name reflected on my government ID and on any and all state maintained documents. \n\nIn XXXX of XXXX, my Texas ID was issued to me with my new XXXX name. I have that Texas ID with me. \n\nIn XXXX of XXXX, I created my CashApp account under the new legal name printed on my new Texas ID. CashApp sent me a card with that same name on it. I still have that original card with me. \n\nI have had that same card, until I ordered a new one in XXXX of XXXX. CashApp created a new \" pink cash card '' with the claim that with your purchase, you would \" unlock a new pink app theme '' as well as a pink card. I assumed that meant that the entire app would be pink themed. Every other app that offers a theme ( such as \" dark theme '' ) applies that theme across the entire app. That was not the case with CashApp. Only 1 tab, out of the 5 main tabs, is \" pink themed. '' That's not my main issue and why I'm reaching out to you however. \n\nI got married in XXXX of last year, and updated my government ID and social security card to reflect that change. When I ordered my card, I realized that my maiden name was still on the account. I immediately updated my maiden name to my married name, which was just a last name change. I hoped that since the card wasn't issued out yet, the new card would potentially have my married name printed on the card. I was fully prepared to see my maiden name reflected on the card, however. \n\nOn XX/XX/XXXX, my new CashApp card arrived in the mail. The envelope was addressed to my old XXXX  name, which I found odd. When I opened the envelope I saw that my old XXXX  name was also printed on the card, which was very disappointing and confusing. \n\nOn XX/XX/XXXX, I reached out to CashApp and asked them to send me another pink card with the same design but with my legal name printed on it. CashApp said, \" When you order a Cash Card, the name printed on it is the legal verified name associated with it. We do not issue new Cash Cards to update printed names unless there was a printing error or if you've had a legal name change. '' I told them that would make sense, if my legal name was the old XXXX name, but it isn't. The agent then sent me a response that was a copy and paste version of her first response. I then told the agent, \" Then why is it that my original card had my maiden name printed on it? '' The agent said that CashApp will send a card with the legal name that was used at the time the account was created. She also told me that if I want my new name printed on it, I would first have to update it on my government ID and with Social Security. \n\nI told her that she wasn't listening to what I was saying. I have already updated it, years ago, with the state and Social Security. My account was created in XXXX of XXXX. That was after my name had been legally changed. \n\nI would like to know why, and how, did they end up printing a card with a name that I have never given them before? They printed a name on my card that has never even been associated with my account. \n\nI have also looked through their Privacy Notice, to get a better idea of what has happened. It doesn't make any sense to me. Here is a link to their Privacy Notice, for accounts created prior to XX/XX/XXXX ( Effective XX/XX/XXXX ) XXXX XXXX XXXX My account was created in XXXX of XXXX. \n\nI've read through the entire thing. Under Information We Collect About You and Sources of Information We Collect About You it reads ; \" Identification Information. such as : Your name, email address, zip code, phone number, Cashtag, signature, and authentication credentials ( for example, information you use to log in to your Cash account ), including Internet Protocol ( IP ) address.\n\nAdditional Identification Information for Verified Users. such as : Your full mailing address ; date of birth ; government-issued identification, including Social Security number, passport, or drivers license ; and photograph if you choose to share such information in order to send and receive larger payment amounts or purchase Bitcoin. \n\nFinancial Information. such as : Bank account and payment card numbers you add to your Cash App account, as well as your Cash Card number if you have one. \n\nXXXX XXXX. In order to provide you with the XXXX, we will also need to collect information from you about the intended recipient of the payment you request us to make. We will therefore ask you to provide contact details of your intended recipient. You can do this by : ( a ) manually entering a phone number or email address into the Cash App ; or ( b ) as described below ( under Information You Provide to Enhance Your Experience ), you can choose to give us access to your phone contacts to facilitate the entry of recipient information. We may also ask you to provide limited access to your phone contacts for account verification purposes. You can update your settings to stop sharing your phone contacts with us at any time, although we will always need a recipients phone number or email address to send money to them as requested by you. \n\nTransaction Information. When you use our Services to make, accept, or request payments, we collect information such as : when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, and the devices and payment methods used to complete the transactions. '' I can't find anything there that would apply to me and my account, and shed some light on how and why they used an old XXXX  name associated with my account. There is a section in the notice that I provided \" Additional Identification Information for Verified Users '' that sounds like it would apply to me, but it doesn't. I have never been a \" Verified User. '' I would have had to send over my government ID and other legal documents to prove my name in order to become a \" Verified User. '' That would allow me to use select services such as purchasing XXXX, and sending and receiving larger payment amounts. That doesn't apply to me, I've never used those specific services. So, I have never provided my social nor my government ID to them. \n\nI found an interesting section under Sources of Information We Collect About You that reads ; \" Identity Verification. Information from third-party verification services ( e.g., identity verification agencies and through companies which provide third party analytics ( see Third-Party Analytics below ) ), and publicly available sources. In some circumstances, where lawful, this information can include your government-issued identification number. '' If I never provided my XXXX name nor any other information that would be required in order to use select services, I would assume they would have had look up my government-issued identification number. However, that was updated before the account was created. So why did they use an old XXXX name? Again though, I still have my previous card with my legal maiden name on it. \n\nThere is another section of the Privacy Notice that reads ; \" We may amend this Privacy Notice from time to time by posting a revised version and updating the Effective Date above. The revised version will be effective on the Effective Date listed. We will provide you with reasonable prior notice of material changes in how we use your information, including by email, if you have provided one. If you disagree with these changes, you may cancel your account at any time. If you keep using our Services, you consent to any amendment of this Privacy Notice. '' That was a lie. \n\nI have never been provided a notice of material changes in how they use my information. \" Including by email '' which, I have provided since the account was created. \n\nI have also read through their current Privacy Notice, XXXX XXXX XXXX XXXX of the points I have previously brought up XXXX still apply. \n\nIn order for CashApp to have my old XXXX name, they would have had to pull that information on their own. When they pulled my information, they would have seen that my old name has not been my legal name for a long time, since before I created this account. So why in the world did they send me a card with that old name if they've told me they only use \" legal and verified names? '' I have screenshots and photos to prove everything I have claimed, which can be provided upon request.","date_sent_to_company":"2023-10-01T07:39:32.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"28734","tags":null,"has_narrative":true,"complaint_id":"7619509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2023-10-01T05:17:08.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I got married in <em>XXXX</em> of last year, and updated my government ID and social <em>security</em> card to reflect that change. When I ordered my card, I realized that my <em>maiden</em> name was still on the account. I immediately updated my <em>maiden</em> name to my married name, which was just a last name change. I hoped that since the card wasn't issued out yet, the new card would potentially have my married name printed on the card. I was fully prepared to see my <em>maiden</em> name reflected on the card, however."]},"sort":[12.933328,"7619509"]},{"_index":"complaint-public-v1","_id":"3115654","_score":12.895619,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was married for 20 years and used a hyphen with my last name. Because computer systems don't accept hyphens, my name appeared in a multitude of inaccuracies on credit reports. I have been divorced for nine years and have returned to my maiden name. All open accounts are under my current name. Through the month of XXXX I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit cards under one of the inaccurate names. The credit reporting agencies are reluctant to remove names because of past credit attached to those names. However, some of those inaccurate names have no credit attached to them. My social security card has only ever had two names associated with it. For agencies that are supposed to protect us, they allow an awful lot of false information. One report had phone numbers associated with my account that I have never had or provided to the agencies. I have had one employer since 1982 and yet I had the Soc. Sec. Admin., a collision repair company and an individual listed on my report as employers. One agency told me that if a past creditor wants to make an inquiry under one of the former ( inaccurate ) names, that the inaccurate name can be added to the report again. And, as if that weren't bad enough, it would be up to me to contact each company making the inquiry to correct my name. No agency told me about opting out of such inquires. I found the opt-out information on General Summary of Rights Under the FCRA. Unfortunately, I'm not sure that it worked or helped in eliminating inaccurate information. I repeated my address about ten times and the best I could do was get XXXX XXXX from the system, when it really should have been XXXX XXXX XXXX. Unfortunately, no option to speak to a person was ever offered. My complaint is not necessarily with one company, it is more with the system that has allowed these companies to charge for services to prevent fraud and yet they assist with the commission of fraud by not doing their due diligence in making sure that inaccurate information in never allowed on a credit report. Aside from me spending one month every year correcting inaccurate information on my profile with each credit reporting agency, what other options do I have?","date_sent_to_company":"2019-01-03T19:07:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60004","tags":null,"has_narrative":true,"complaint_id":"3115654","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-01-03T19:07:30.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I have been divorced for nine years and have returned to my <em>maiden</em> name. All open accounts are under my current name. Through the month of <em>XXXX</em> I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit <em>cards</em> under one of the inaccurate names."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[12.895619,"3115654"]},{"_index":"complaint-public-v1","_id":"3115724","_score":12.873295,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was married for 20 years and used a hyphen with my last name. Because computer systems don't accept hyphens, my name appeared in a multitude of inaccuracies on credit reports. I have been divorced for nine years and have returned to my maiden name. All open accounts are under my current name. Through the month of XXXX I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit cards under one of the inaccurate names. The credit reporting agencies are reluctant to remove names because of past credit attached to those names. However, some of those inaccurate names have no credit attached to them. My social security card has only ever had two names associated with it. For agencies that are supposed to protect us, they allow an awful lot of false information. One report had phone numbers associated with my account that I have never had or provided to the agencies. I have had one employer since 1982 and yet I had the Soc. Sec. Admin., a collision repair company and an individual listed on my report as employers. One agency told me that if a past creditor wants to make an inquiry under one of the former ( inaccurate ) names, that the inaccurate name can be added to the report again. And, as if that weren't bad enough, it would be up to me to contact each company making the inquiry to correct my name. No agency told me about opting out of such inquires. I found the opt-out information on General Summary of Rights Under the FCRA. Unfortunately, I'm not sure that it worked or helped in eliminating inaccurate information. I repeated my address about ten times and the best I could do was get XXXX XXXX from the system, when it really should have been XXXX XXXX XXXX. Unfortunately, no option to speak to a person was ever offered. My complaint is not necessarily with one company, it is more with the system that has allowed these companies to charge for services to prevent fraud and yet they assist with the commission of fraud by not doing their due diligence in making sure that inaccurate information in never allowed on a credit report. Aside from me spending one month every year correcting inaccurate information on my profile with each credit reporting agency, what other options do I have?","date_sent_to_company":"2019-01-03T19:07:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60004","tags":null,"has_narrative":true,"complaint_id":"3115724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-01-03T17:52:35.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I have been divorced for nine years and have returned to my <em>maiden</em> name. All open accounts are under my current name. Through the month of <em>XXXX</em> I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit <em>cards</em> under one of the inaccurate names."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[12.873295,"3115724"]},{"_index":"complaint-public-v1","_id":"4196202","_score":12.666836,"_source":{"product":"Checking or savings account","complaint_what_happened":"Monday XXXX-2021 @ XXXX XXXX I received a text message from my banks fraud dept. advising of a {$450.00} charge to XXXX and if I recognized it, I responded NO. Then at XXXX XXXX immediately after the text message I received a call from a man that claimed to be from my banks fraud dept. ( the phone number was from my bank ). The man advised me that our debit card had been canceled and a new one was already ordered. The man disclosed all my personal info including my secret 4 digit code that only my bank and myself is supposed to know. He then disclosed my mothers maiden name which is too only to be known by my bank and myself. Once he disclosed my personal info he asked me to verify my online banking user name and password which he also knew, I just confirmed it. The guy then sent me to text from my banks phone number displaying security codes that would give him authorization to access my account. He then explained to me that my account would be suspended temporally to protect from further non authorized charges. At that point he asked if I had any other questions which I said no and the call was ended. Then at XXXX XXXX I received another text from my bank advising of a {$1100.00} charge that was just made from my account. \n\nI called the same bank number that I just got off the phone with and was given to a lady in the fraud dept. I advised the lady of what just happened and she said I was scammed. She took my info, closed my account and deactivated our debit cards and advised that I needed to visit our local branch to open a new account. She told me not to worry that she had been working on this scammer all day and that I wasn't the only victim. \n\nOn XX/XX/XXXX2021 @ XXXX XXXX I visited our local branch and spoke with a banker. He confirmed everything and excused himself while he made copies of the documents I brought with me. When he returned he advised that since this situation was my fault that opening a new account would likely not be approved, and getting the {$1100.00} we lost would likely not happen. The banker went ahead and opened a new account but said it would likely not stay active. \n\nAt approximately XXXX we visited our local police department and spoke with an officer to file a report. After explaining our situation to the officer she advised that it would be impossible to track down the scammer because of the bank phone number used. I advised her what the bank had told me and she felt that we were dealing with a security breach or bank employee because the scammer new all my personal info including the security keys that only myself and the bank should know. The officer give me her contact info and advised that she would call the bank to see about what she can do for us.","date_sent_to_company":"2021-03-09T16:52:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"46158","tags":null,"has_narrative":true,"complaint_id":"4196202","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2021-03-09T16:03:18.000Z","state":"IN","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["She took my info, closed my account and deactivated our debit <em>cards</em> and advised that I needed to visit our local branch to open a new account. She told me not to worry that she had been working on this scammer all day and that I wasn't the only victim. \n\nOn XX/XX/<em>XXXX</em>2021 @ <em>XXXX</em> <em>XXXX</em> I visited our local branch and spoke with a banker. He confirmed everything and excused himself while he made copies of the documents I brought with me."],"issue":["Problem with a lender or <em>other</em> company charging your account"]},"sort":[12.666836,"4196202"]},{"_index":"complaint-public-v1","_id":"7027623","_score":12.161243,"_source":{"product":"Checking or savings account","complaint_what_happened":"My wallet and phone were stolen from my car. The thief tried to make some large purchases that exceeded the checking account balance, so the transactions were denied. Thief then went on to somehow transfer a large sum of money from another account to the checking account to then make large purchase. Security of accounts is a major concern. Below is an excerpt of the letter I sent to BOA after my claim was denied : 'I received notice that my claim has been denied and closed, incorrectly citing non-aggressive spending behavior and for some reason citing XX/XX/23 when this theft happened in XXXX. There was clear error in the research conducted. Please reopen and take another look. \n\nOn XX/XX/23, my phone was stolen from my car. Attached to the phone was a card holder holding my license, a XXXX credit card, and a BOA debit card. It was used to attempt several purchases, finding success with 1 large purchase at the XXXX XXXX. \n\nFrom my own research, it looks like the thief tried unsuccessfully to charge two different charges at the XXXX XXXX. One for XXXX XXXX and some odd dollars ( should be in your notes ) and the {$8600.00} charge. \n\nThe alarming part from a security standpoint is this next part : a transfer of {$15000.00} was made from the account ending XXXX to the checking account XXXX. In the transaction details, it states that the transfer was made via phone. I am the executor of my recently deceased fathers trust. The account ending XXXX is kept to pay legal fees to settle his assets. Please tell me how its possible for a thief to access this account merely by a phone conversation. The thief had my phone and ID, so in theory, 2FA could be sidestepped as the text bubbles with the code are viewable and he would have access to basic info like DOB, address, etc. I would like to think that there would be an extra layer of security ; requiring the last 4 of social or mothers maiden name ; something that isnt easily accessible in order to conduct a transaction this large. There should have been more flags raised. You record calls. Please look into the call made that day to make this transfer. You should find plenty of evidence the person making this call wasnt me. \n\nThe above mentioned transactions were declined because my checking account balance wasnt enough to cover the transactions. Its my guess that after the transfer, the thief was able to reauthorize the latter purchase of {$8600.00}, as this was eventually the lone processed transaction. \n\nThere were initially 3 charges totaling {$19000.00}. {$2600.00} ( I think ), and then two subsequent identical charges of {$8600.00}. The fist two charges fell off the ledger as they were declined. I recently called to adjust the claim amount to the amount that was processed : {$8600.00}. If theres any way to pull up old declined transactions, you should be able to see an alarming spike in aggressive spending behavior. \n\nI was able to lock my accounts and cards when I got to my laptop. Attached are some other attempted transactions that were declined, again, showing abnormal aggressive spending behavior. \n\nI also have proof of cancellation and renewals of my XXXX card as well as a drivers license. \n\nThe branch manager at your XXXX location can confirm ( you should be able to see on your end as well ) that I open all new accounts at BOA in order to curtail further fraud. '","date_sent_to_company":"2023-05-26T01:50:13.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"90405","tags":null,"has_narrative":true,"complaint_id":"7027623","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-05-26T01:28:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I was able to lock my accounts and <em>cards</em> when I got to my laptop. Attached are some <em>other</em> attempted transactions that were declined, again, showing abnormal aggressive spending behavior. \n\nI also have proof of cancellation and renewals of my <em>XXXX</em> card as well as a drivers license. \n\nThe branch manager at your <em>XXXX</em> location can confirm ( you should be able to see on your end as well ) that I open all new accounts at BOA in order to curtail further fraud. '"],"issue":["Problem with a lender or <em>other</em> company charging your account"]},"sort":[12.161243,"7027623"]},{"_index":"complaint-public-v1","_id":"2912557","_score":12.01758,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have an issue with Home Depot Credit Cards. \n\nIt is an unusual one as they gave me a credit card with an incorrect social security number. It took a couple months to figure out just why they could not locate my account. We tried my social and my husbands over and over but they could not locate the account for payment. \n\nTitle : THAT DAY I was shopping at our local Home Depot for XXXX items. I helped fix a couple floor model animatronics. Super simple it made me laugh. At this store nearly everyone knows me by sight and most will ask how my family is doing if they arent with me. A group of us myself and several employees were talking in the midst of the XXXX display. I was excited as I love a good bargain, that day it was all on sale. \n\nI think they were excited for me. \n\nI asked if I could get a 10 % discount on a floor model scarecrow since I fixed the others. They were happy to help me out. One the  employees asked me if I wanted an extra {$50.00} dollars off my total. I laughed and the person said no really I asked Huh? I was told to apply for Home Depot Card. I said I couldnt because I had one. I was told people do it all the time. They set me up with an employee an register for a new card and an extra {$50.00} off my order that day. \n\n\n\nI am a nervous Nelly but I got creative I used my Maiden name XXXX XXXX and my cell phone number instead of my house number and I thought my social. Even a bargain hunting fool like myself knows not to use someone elses social security number. Being that I was nervous, I didnt know you could have two credit cards with one business, it took me a moment as it always does to separate the two socials as I use his more than my own for taxes, medical and banking. Once the form was uploaded the credit card company accepted my application and gave me a bigger limit than my 1st card. \n\n\n\nVery excited to get my purchase at a great price so the next day I went to my bank and paid ( get this unbelievable ) in cash the eighty five and some change dollars I owed on the new card at a register. Paperwork is my demon so even if I made an effort to keep the receipt I would have forgotten where I put it the next day. I did not have the NUMBER for CARD # 2 only a small receipt with my Home Depots acceptance of my application. \n\n\n\nIt just so happens my first card had a very similar balance as the new card and will turn out that that payment I made in cash actually went to the balance on my first card. Myself or my husband must have popped in without our ATM card. \n\n\n\nRecap : similar social security numbers and similar amount owed on both cards. Payment in cash, who does that? \n\nOur social security numbers.. There is only 3 different numbers between the two Mine XXXX XXXX >letter instead of numbers Not our real socials Spouse XXXX XXXX   >letters instead of numbers Coded sequence is identical to our actual numbers Home Depot began calling me for a payment on my card. I kept explaining over and over I had made my payment in cash at a register in the store. I spoke to 5 different associates that called me and NONE of them could figure out why my payment wasnt showing up on my card. I would explain and they would tell me they could not find my payment. I finally got frustrated and called in to Home Depot. I was disconnected twice and as they say 3 times a charm The third associate and I spent a good 45 minutes to an hour going over both accounts because she looked up the phone numbers I used. Honestly the hours I spent with the others and got no where. She I figured out that I had transposed a number in my social and thats why NO ONE ELSE at HOME DEPOT could figure it out. She asked me if I wanted to make a payment for the first months charge of the XXXX items. I told her I pay it in full so nothing else could get messed up. I asked her if this would effect my credit and she said to me NO I PAID IN FULL AND MY ACCOUNT HAD BEEN NOTATED THAT IT TOOK TWO MONTHS AND 8 ASSOCIATES TO CORRECT THE FACT THEY GAVE ME A CREDIT CARD WITH AN UNKNOWN SS # ON IT. I told her thank you because it was not my fault it wasnt paid and certainly wasnt my fault they rest of the employees at her company could not find my 2nd account and combine the two for me. ( she did help me with the social security number correction combined my Home Depot log in page so I could see both accounts ) I tried several times to get them to combine both accounts under my name so when I logged in I could figure out what was messing things up. I could not find the second card and neither could the other associates to combine them. \n\n\n\nNothing hit my credit application for another month or two and then there it was .. They dinged my credit and when I went back to ask them to fix it explaining the whole thing again to 1 nice employee a ( business number ) who gave to another ( my chin hit the hold button on my cell phone while waiting to be transferred and no one could hear me so they hung up. I redialed and the 3rd associate ( business number ) transferred my to a rather snotty associate who took my information with a lot of attitude ( she was like a brick wall but I thought to myself it Home Depots fault how could they not fix it ) I just dont get it .. How could they ding my credit when their system allowed me to get credit even though I messed up my social security number? The application should have been denied. The whole thing is scam if you ask me. Can anyone with anybodys social security number pull a credit card? \n\nCan you help me?","date_sent_to_company":"2018-05-21T04:45:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92154","tags":null,"has_narrative":true,"complaint_id":"2912557","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-05-21T00:07:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I am a nervous Nelly but I got creative I used my <em>Maiden</em> name <em>XXXX</em> <em>XXXX</em> and my cell phone number instead of my house number and I thought my social. Even a bargain hunting fool like myself knows not to use someone elses social <em>security</em> number. Being that I was nervous, I didnt know you could have two credit <em>cards</em> with one business, it took me a moment as it always does to separate the two socials as I use his more than my own for taxes, medical and banking."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[12.01758,"2912557"]},{"_index":"complaint-public-v1","_id":"4195533","_score":11.95773,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My Chase Bank Business account was compromised on XXXX XXXX and have spent over seven days calling the Business customer service, Customer Protection Group, Online customer specialists, and spent 6 hours talking to the branch manager but issues were not properly addressed and taken care. I kept getting bounced around from department to department and get a full picture. \n\nHere are some other details of what I gathered so far. \n1. On XXXX, someone tried to log in online to my business account and failed. \n\n2. At XXXX XXXX on XXXX a person called in to the consumer business banking department and convinced the rep to change the email over the phone to on my profile. According to Chase, that person provided my business credit card number, full name, 3 digit security code on the back, and my personal credit card number and the 3 digit security code. But they were vague as to whether my mother 's maiden name was indeed provided by the perpetrator. As to why the rep would change this when there was a failed attempt to sign in online by an unknown device is disturbing since credit card numbers can be easily obtained from even stores. They would not provide the rep 's name who helped the perpetrator and would not cooperate to provide any more details. For a week, they could not even trace when that fake email was added on the account. I kept getting told that a supervisor was not on duty or unavailable who can help me resolve the issue. When I finally got connected to a supervisor after trying for 6 days straight while I kept getting locked out of my bank accounts, I was told by a supervisor from the Customer Protection Group from Chase and also from another rep from the same department that there is a recording of it but refuse to provide any further details. \n\n3. Minutes later Chase rep let the perpetrator update a fake email on my profile, a password reset was sent to the fake email XXXX. Within minutes starting XXXX XXXX  EST on XXXX, reward points started being redeemed on my personal credit card ending and points were moved to and fro from other accounts. Looks like there have been a total of 24 transactions. While all this was going on, I called into Chase bank at least 8 times and talked to over 10 different individuals why I kept getting kicked out of my account starting XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Even still, there continued to be fraudulent activities from XX/XX/XXXX through XX/XX/XXXX and any investigation or details until I discovered researching what was happening to my account. \n\n5. When I finally looked at the transaction history on my reward points, a strange name, XXXX XXXX appeared and the numbers of four different Chase accounts that aren't mine were involved and recorded where my points were being transferred over to them. This shows that other Chase accounts were also compromised. \n\nAll of our business accounts were frozen and impeded the business from XX/XX/XXXX until today, XX/XX/XXXX. Neither the Customer Protection Group, Online Technical Department, nor the Consumer Business Banking Department were able to give a full picture or resolve the situation. Chase has returned the missing reward points and reissued the two credit cards but have not taken any other responsibility for my time, the breach of personal information, nor my inconvenience, or was able to ensure trust that my accounts are fully protected. All I was told yesterday is that since I filed a police report, I will have to contact the police officer to call their law enforcement department and it will take months to investigate and they will determine whether to investigate or not. \n\nChase has done a great disservice by not properly protecting customer information, the coordination of different departments, and their protocol to resolve issues with the customer. Chase needs to be investigated as to whether this is not an inside job and why there's such poor response to fraudulent activities and there seems to be no customer service in place to help the customer reinstate trust and understanding.","date_sent_to_company":"2021-03-09T00:03:02.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"General-purpose credit card or charge card","zip_code":"96002","tags":null,"has_narrative":true,"complaint_id":"4195533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-03-08T22:00:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Chase has returned the missing reward points and reissued the two credit <em>cards</em> but have not taken any <em>other</em> responsibility for my time, the breach of personal information, nor my inconvenience, or was able to ensure trust that my accounts are fully protected."]},"sort":[11.95773,"4195533"]},{"_index":"complaint-public-v1","_id":"2139420","_score":11.424604,"_source":{"product":"Bank account or service","complaint_what_happened":"In the XXXX, under very different tax laws, I opened two IRA cds at a small local bank near where I lived and practiced law. The name I used on the accounts was and is my professional legal name that was also my birth name, and a name restored to me after my divorce from my XXXX husband. At the time I opened the accounts I was married to my XXXX husband to whom I remained married until his XXXX 8 years ago. I have not moved or remarried since Chase has been the successor to my accounts. I use my XXXX husband 's last name socially, but still use my birth/professional name in some business situations and it is on one of my XXXX credit cards still in frequent use. Both names are on my bank account, both names have been used on tax returns filed jointly with my husband, and the annual tax statements supplied by Chase are reflected on my tax returns every year as untaxed IRA accounts. Two years ago I wrote Chase ( there are no Chase branches anywhere near where I live in my retirement ) and requested they disburse to me the proceeds of both accounts. I am at an age where I may remove these funds without penalty. They replied that I had to fill out extensive forms. I did. Then they wrote and said I had to have my signature warranted by my bank. I did. Every time I provided them with information they would wait a month or so then ask for more personal information. When my husband died I inherited his IRA and when I transferred it to XXXX I requested they contact Chase and have the funds from my Chase IRA transferred and combined as is allow under tax law. I told XXXX how many problems I had with Chase, but they said Chase would not argue with them. But Chase refused. I need my money for repairs on my house, so when I was in Florida, where I knew there was a Chase branch, I took all my files of years of statements from Chase and its three predecessors, my driver 's license, my Florida XXXX, my social security card, my current checking account information. Surely that was enough evidence for them. They promised to mail the checks for the 2 cd IRAs to me at the address that has always been on my statement and the place where I have lived year round for 22 years. Instead I got yet another letter requiring my \" marriage license, divorce decree and a court order listing my new name. '' I have no new name and the name they have chosen for me is different from what I use as my married or my birth/professional name. I have only one social security number of course. I am not divorced, I am a XXXX. I called Chase and they gave me no reasons for their demands, stated no legal requirement that they think requires me to use this name. They refused to let me speak to someone in their legal department. This is rampant sexual discrimination and they have no valid reason to treat me with such disrespect. It is bizarre that they think they can make me change my name to a name I do not use, and that they have never had on my account, to fit some employee 's idea of what is correct. There must be hundreds of thousands of other married professional women who use their maiden name for business purposes. Please help me.","date_sent_to_company":"2016-09-29T18:12:50.000Z","issue":"Account opening, closing, or management","sub_product":"(CD) Certificate of deposit","zip_code":"287XX","tags":"Older American","has_narrative":true,"complaint_id":"2139420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-09-29T18:12:50.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["There must be hundreds of thousands of <em>other</em> married professional women who use their <em>maiden</em> name for business purposes. Please help me."]},"sort":[11.424604,"2139420"]},{"_index":"complaint-public-v1","_id":"6062292","_score":11.134782,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On the night of XX/XX/XXXX I was awakened by my land line by CITI Simplicity account asking if I just tried to charge {$1000.00} on my account and got denied. They asked me some other questions and hung up the phone. \n\nOn the morning of XX/XX/XXXX when I got to work I decided to look at my CITI card as that call did not sit with me. I noticed a charge for {$4000.00}. At that point they took it off and said they would investigate it. I decide to look into my other credit cards and noticed that another one had a charge same XX/XX/XXXX charge of XXXX and another one for {$4000.00}. I called these two credit card companies and they took it off my account no questions asked. At that point I locked my accounts. \n\nThis week on XXXX I received another call on my land line asking if I just charged {$1000.00} and was denied. I stated that no I did not and he continued to state that my account is locked and he would like me to unlock it. I stated to hem I was not going to do that and he proceeded to state what the last four numbers of my card was ( this is a new card ) ; my mothers maiden name and the security word, the questions CITI should be asking me. I told him I was uncomfortable talking to him and I was hanging up and calling back on my own and discuss this matter. He then became upset stating that he was from CITI. I proceeded to hand up and called CITI on my own at that time they told me they did not call me and no one tried to use my account. \n\nOn XXXX I received a letter from CITI stating that their investigation is complete and is now closed. They also stated that I gave my permission to the merchant, XXXX XXXX XXXXXXXX, to charge my account for the {$4000.00}. I didn't give this permission. They also stated in this letter that the charges will be reversed and I am responsible to make payments or they will send my information to the three reporting agencies. At this time I called CITI and spoke to a, XXXX, in the fraud department and told him my situation and he stated the investigation is closed and there was nothing he could do about it and I had to send an email to XXXX XXXX at : XXXX which I did. I did this and this still didn't sit well with me so I called back again to speak to another manager, XXXX, he told me he would \" try '' and see if he can get this reopened. He also said he would but the {$4000.00} on hold until he could \" try ''. \n\nOn XXXX I went on my CITI mobile app and the {$4000.00} is XXXX tickets taken off as fraud. At this time I thought that was rude and unprofessional. I in fact did buy tickets and stated that I would be paying for them as I did charge them. I asked to speak to a manager and the girl on the line stated that this did not need a manager. I insisted and she said she would transfer me. She got back on the line and said the managers phone does not work anymore. I asked her to transfer me to someone in management and then proceeded to tell me that there was not a manager there. When she came back on the line she told me I would have to call another time and hung up the phone.","date_sent_to_company":"2022-10-07T21:58:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"063XX","tags":null,"has_narrative":true,"complaint_id":"6062292","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-10-07T20:12:22.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I decide to look into my <em>other</em> credit <em>cards</em> and noticed that another one had a charge same XX/XX/<em>XXXX</em> charge of <em>XXXX</em> and another one for {$4000.00}. I called these two credit card companies and they took it off my account no questions asked. At that point I locked my accounts. \n\nThis week on <em>XXXX</em> I received another call on my land line asking if I just charged {$1000.00} and was denied."]},"sort":[11.134782,"6062292"]},{"_index":"complaint-public-v1","_id":"4676467","_score":10.9237,"_source":{"product":"Checking or savings account","complaint_what_happened":"I recently opened an account with Chime, in order to receive direct deposits from my employer. The account was correctly set up and correctly linked with my employers direct deposit system, as I checked prior to the date I was to receive my first direct deposits. \n\nI was supposed to receive two separate direct deposits from my employer on XX/XX/XXXX, in the amounts of {$4700.00} and {$1200.00}. I had not received the direct deposits but mid-day, which is unusual for direct deposits. I contacted Chime and was told that it sometimes takes two pay periods for direct deposit to work and that perhaps Id receive mailed checks. I reached out to my employers payroll department and they informed me that the direct deposit was properly set up and that payment had been sent to Chime. I forwarded this information to Chime and later received a reply stating that essentially, Oh, whoops, yes we now see that we DO have your money but the account name doesnt match the name on the deposit. \n\nI replied that the names DID match and sent documentation to prove such. I then received a reply that said turns out it wasnt an issue with incorrect names but rather they could see that the deposits were for business purposes and they only allowed personal deposits. I replied that they WERE PERSONAL deposits- my paycheck from my employer! They almost immediately replied and went back to their first excuse saying that whoops, they messed up again- they actually could see that they were personal deposits but the names didnt match. I again sent documentation showing that they DID match. Chime claimed that because my deposit name listed a middle initial, which my Chime account did not, that they could not receive my deposit. I have NEVER encountered any institution that wont receive a deposit due to an initial. I sent them my birth certificate, drivers license, Social Security cards ( one with maiden name and one with married name ), and my marriage license. Even with ALL of that identifying information that matched my account and deposit information, they still claimed that they could not change my account. \n\nThey told me that my funds were returned to my employer and should arrive in 1-3 days. I was told this on XX/XX/XXXX. As of today XX/XX/XXXX, my employer still has not received my money. I reached back out to Chime and requested detailed documentation showing that my funds had been sent to my employer, not some generic reply. The representative sent me a trace number and told me that my employer and I could use it to find my money. I reached out to my employer, and they explained that only Chime could use the referenced trace number to track the money, not the receiving firm. \n\nI contacted Chime once again to ask that THEY track my money and send me detailed confirmation. However, I dont believe that the trace number they sent me was even a legitimate number. From my understanding, the beginning digits of a trace number are supposed to be the banks routing number, yet the digits did not match Chimes routing number, or any banks routing number for that matter. I conveyed all of this to Chime and have not received a response in over four hours, when previously, they were replying in real time. \n\nBecause of this incompetence, if not outright fraud by Chime, I have missed a mortgage payment, several other bills and credit card payments, my daughters tuition, and countless other important payments.","date_sent_to_company":"2021-08-30T22:44:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"38117","tags":null,"has_narrative":true,"complaint_id":"4676467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2021-08-30T22:20:16.000Z","state":"TN","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I sent them my birth certificate, drivers license, Social <em>Security</em> <em>cards</em> ( one with <em>maiden</em> name and one with married name ), and my marriage license. Even with ALL of that identifying information that matched my account and deposit information, they still claimed that they could not change my account. \n\nThey told me that my funds were returned to my employer and should arrive in 1-3 days. I was told this on XX/XX/<em>XXXX</em>. As of today XX/XX/<em>XXXX</em>, my employer still has not received my money."]},"sort":[10.9237,"4676467"]},{"_index":"complaint-public-v1","_id":"1597892","_score":10.506734,"_source":{"product":"Credit card","complaint_what_happened":"I have been fighting a fraudulent charge with chase since XX/XX/XXXX and finally after a year of getting the run around and documenting every phone call and transfer to different departments I sent the below letter with still no resolution. \nXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXChase Bank Fraud DepartmentXXXX.XXXX XXXX, XXXX XXXXChase Card # closed card XXXX XXXX XXXX XXXX member since XX/XX/XXXXDear Sir or Madam : I am writing to dispute a fraudulent charge of {$5700.00} on my account, and posted on between XX/XX/XXXX-XX/XX/XXXX. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. \nI have provoded most of the communications with your bank and some other details. Most importantly is the copy of the forged check with my credit card signature next to it, showing a CLEAR FORGERY! \nPlease investigate this matter and send me a written explanation of your findings and actions. \nSincerely, XXXX XXXX bank states as their defense these following sentences .... \nYou confirmed your husband, XXXX XXXX, wrote the check. \nYou added XXXX XXXX as an authorized user on the account on XX/XX/XXXX. \nThe access check was written on XX/XX/XXXX. \nXXXX XXXX was authorized to write the check. \nTheir assessment that he was authorized is completely false! He was NOT authorized to write the check and he WAS NOT AN AUTHORIZED USER UNTIL AFTER IT WAS CASHED! I am a victim of financial abuse and was advised by my divorce attorney to NOT seek action UNTIL the divorce was final and I was away from him. I kept copies of everything while i was in hiding and used a po pox from then on to protect myself from him. This is NOT the only card of mine he forged, there are many and my attorney through the abuse organization I am seeking help with advised me to go this route before utilizing a professional. I repeat Chase bank states XXXX XXXX WAS \" AUTHORIZED '' TO USE THIS CHECK. Who gave him authorization? He new my mothers maiden name, the strret I grew up on, my social security number, my first pet and everything he needed to have someone act as me on his behalf AFTER HE FORGED MY NAME. Forgery is a crime punishable by law! Chase bank should be an accompliss to this forgery. If he WAS AUTHORIZED USE WHY DID N'T HE SIGN HIS NAME? \nI was advised by my divorce attorney to keep making payments so that it would not affect my credit. The burden became too much since he was not paying child support I had to eventually stop paying it and worry about my credit after all of this was over. Now my part time job is repairing my credit completely ruined by this man. My credit was excellent until a few years into the marriage he starting stealing from my credit cards and my business checking account. It is your duty to protect me. I need your help!","date_sent_to_company":"2015-10-07T23:51:24.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"1597892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-10-07T23:51:23.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I repeat Chase bank states <em>XXXX</em> <em>XXXX</em> WAS \" AUTHORIZED '' TO USE THIS CHECK. Who gave him authorization? He new my mothers <em>maiden</em> name, the strret I grew up on, my social <em>security</em> number, my first pet and everything he needed to have someone act as me on his behalf AFTER HE FORGED MY NAME. Forgery is a crime punishable by law! Chase bank should be an accompliss to this forgery. If he WAS AUTHORIZED USE WHY DID N'T HE SIGN HIS NAME?"]},"sort":[10.506734,"1597892"]},{"_index":"complaint-public-v1","_id":"6095647","_score":10.369174,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XX/XX/XXXX. After losing my card, I contacted Citi customer service to have my card blocked as lost ( about XXXX EST ). I verified all transactions on the card were mine and no fraud had taken place. I passed verification to have the card blocked as lost and when offered a new card I declined. I declined because the address on file is an old address, and they would only send the card to the address on file. I explained that I sold that house in XXXX and have been living with my mother-in-law and now my mother until my new house is build and we close in XXXX. I provided my current address ( XXXX XXXX XXXX. XXXX, OH XXXX ). The employee became suspicious of me. After 2 phone calls, a transfer, an hour, and several verification steps I was denied access to move forward in the process and my app was also locked. I provided my married name, maiden name, security word, SSN, previous and current address, my payment and transaction history, a phone code and answered questions about other cards and accounts. The representatives refused to believe the ID verification although I passed all authentications. He said they will send a letter to the address on file with a verification code. And until I call back in with that code, I will be blocked. I ended the call thinking my card was blocked and no one could transact on it. I was still worried that a code allowing access to my account may get into the wrong hands because they sent it to a known old address. I figured I could deal with getting a new card later when I'm settled at my permanent address. At this point I was very distressed and had severe chest pains. I was dizzy and sick the rest of the day becaue of how poorly I had bee treated. \n\nThat same day I filed a complaint with XXXX XXXX XXXX ( Corp. Complaints ) explaining what had happened. About a week or so later the complaints department reached out and apologized, citing that the employee 's manager has been notified and he would receive training. However, even though they reviewed or investigated my complaint and confirmed it was Citi mistake, once that letter went out with the verification code, it trumped all aid that they could then give at that point. They reassured my card was blocked as lost, that I could call back in when I'm settled and could provide my permanent address ( to get a new card # ), and that they couldn't unlock my app. When I mentioned I use my app to see how much I owe monthly ( because I usually pay it off in full ), she said I can just call in for that balance. I explained again that if they sent a letter to n address I'm confirming as old, then I won't receive it. She didn't offer to send a new letter to my current address. I left this call unsatisfied with the resolution but had no choice but to accept that Citi customer service is horrible and abusive towards clients. \n\nOn XX/XX/XXXX I received a voicemail from Citi Fraud Early Warning with a reference code and a request to call back. \n\nOn XX/XX/XXXX I returned the call. I was informed my card had never been blocked. I requested it be blocked. They verified it was last used on XX/XX/XXXX for {$18.00} at XXXX XXXX. I confirmed this was my transactions and no other transactions were fraud. The employee offered to send a new card. I explained that the address on file is an old address ( Ive explained this XXXX x over the past month and a half ). She confirmed I could call back in whenever Im settled in my new house and have the card sent to the new address. I was VERY clear that I am closing on a house early XXXX and to be 100 % sure to only block my card and NOT close my whole account. She reassured me she blocked the card only. During this call I believe she said she could unlock my app, I agreed. \n\nOn XX/XX/XXXX I went to pay my household bills and checked back on the app to see if I owed anything. An alert stated my account was closed. I called Citi and an employee confirms it was closed because a new card wasnt sent. At no point in this entire process was it disclosed in any manner or through any channel that my account would be closed for any reason, including failure to issue a new card. \n\nI am reporting my experience to the CFPB. Ive never in my life been treated so horribly as I have been by CitiBank. I believe Citi is retaliating against me for my complaint. I'd like to add that my account was in great standing. I pay my bills on-time or in advance, often in-fulI. This Citi Card was my main credit card and over the past year alone I've done over {$13000.00} in business. At the time of closure, I even had an overpayment. No one has notified me of if a check will be cut and to what address. No one has explained compensation for lost rewards. Back in XXXX when I got married, I had such a horrible time trying to update my last name with CitiBank that I gave up. I was left in tears. Its the ONLY account I still have my maiden name on. Same with updating addresses, which led to this experience. \n\nI pray this doesnt impact my credit to the point I cant close on my new home Ive been building since XXXX. These events have cause much mental and physical distress and anguish. After each of these events I suffered XXXX XXXX and XXXX XXXX","date_sent_to_company":"2022-10-17T18:55:17.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"448XX","tags":null,"has_narrative":true,"complaint_id":"6095647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-10-17T18:27:09.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I provided my married name, <em>maiden</em> name, <em>security</em> word, SSN, previous and current address, my payment and transaction history, a phone code and answered questions about <em>other</em> <em>cards</em> and accounts. The representatives refused to believe the ID verification although I passed all authentications. He said they will send a letter to the address on file with a verification code. And until I call back in with that code, I will be blocked."]},"sort":[10.369174,"6095647"]},{"_index":"complaint-public-v1","_id":"3022629","_score":10.183857,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Sir/Madam ... \n\nWe are XXXX and XXXX XXXX of XXXX XXXX XXXX. # XXXX XXXX XXXX, XXXX XXXX and have been of an excellent credit standing all of our XXXX years of banking life with all creditors. \n\nWhen, I moved to XXXX XXXX to pursue my XXXX career in XXXX of XXXX, prior to my husband arriving in XXXX, I hired a XXXX year old assistant, XXXX XXXX XXXX to assist me. \n\nI am XXXX years old and I needed some technical help. \n\nHe was recommended by a friend who told me XXXX was good with technology and I needed an assistant prior to my husband arriving from back east to join me from XXXX, XXXX after selling our home. \n\nXXXX joined me and worked with me from XX/XX/XXXX - XX/XX/XXXX that final date being the date he stole our XXXX XXXX XXXX and went to XXXX. \n\nXXXX worked from my home but I do not have an office, therefore, that is where I work! \n\nIt does not give him a license to steal. He was paid {$100.00} a day cash for his services. I also took care of take out food and lunches to be kind. He took advantage of our money and our high lines of credit. \n\nIt is shocking that the Bank Of America would rule against us for having an intern who has no job, no residence, no source of income against people like us at XXXX and XXXX who have worked a lifetime and maintained beyond excellent credit. \n\nI hope one day they are taken at the hands of XXXX XXXX XXXX. \n\n\nMy husband and I phoned the police when XXXX took our car. The police came to our home at XXXX XXXX XXXX. # XXXX XXXX, XXXX  XXXX and phoned Mr. XXXX on his cell phone and ordered him to return the car immediately. This was XX/XX/XXXX. Mr. XXXX refused that officer, and returned the car 3 days later, when he felt like it, and was briefly arrested and let go. \n\nIt was during those days my husband and I discovered that XXXX XXXX XXXX stole over {$200000.00} in credit card limits, to include checking accounts and stolen debit cards, etc. \n\nThe only bank who will NOT cooperate with my husband and myself is the Bank Of America and we have worked very hard or have tried to since XX/XX/XXXX the date of we discovered that the intern was stealing from us through online methods and icloud hacking. \n\nAt no time ever, was XXXX XXXX XXXX authorized to use my debit card or any of our finances simply because he had access to them! or worked in our home. He is a thief and I tell you that as a XXXX year old law abiding woman who has worked a lifetime and not one blemish on my record or my husband XXXX XXXX record. This is a disgrace and beyond and I plan to go to the XXXX XXXX with this story. \nI am a writer. And an award winning writer with XXXX  credit. \n\nThe only reasons The Bank of America ever gave to us was that they were completely ruling against us ( and I will provide that documention as well here ) is that because he had access to it - he was in fact, in their eyes, authorized to take whatever funds he wanted. \n\nThat has been the position the Bank of America has maintained despite a police report, an attorney letter and the fact that we are XXXX year clients in excellent standing. They have made their final decision based on that alone. He was in the home and I allowed access. \n\nI did not. He hacked my icloud and gained access. He took money, from debit and credit cards unknown to his own gain financially. He has stolen over {$200000.00}. \n\nAll of the banks were hit up with the fraud by Mr. XXXX but little by little they worked with me and the evidence and credits were given. we are still awaiting a few. It has been the absolute worst months of our lives and my husband, XXXX, a XXXX survivor is so ill from this theft that I am afraid he will become sick again. \n\nIt makes people like us think, was it worth it to abide all the laws all the years of our life? No one cares about us?? No one understands what it like to be violated this way. \n\nIs a person who works freelance not allowed to have an in house assistant because when they do, that assistant has a right to all that is in the home which does not belong to them. \n\nRead the Bank of America 's explanation to us. Are we being discriminated against because we are seniors? \n\nThe Bank has no idea that I am writing a screenplay for one of the most known families in America and once I can say, this will be national news about how they have treated us!!! \n\nI had not had knowledge of this theft, yet we are being completely blamed. I was honest about the dates all my cards were at risk. I reported it to the police. I have an embezzlement report. I had my other attorney write XXXX a letter ( attached ) My husband was back east receiving paper statements and paying them. Mr. XXXX XXXX XXXX is the criminal, not us. \n\nWe have been punished by the Bank of America, all summer for this, giving us no credit ... THEY have not sent any statements for the credit cards and have ruled against us in the Debit Card fraud ... when XXXX took {$3300.00} from the ATM at the XXXX XXXX in XXXX or whatever other ATM of Bank of America was used.\n\nTHE reason the Bank of America gave was he shouldn't have access to my card or my pin. I could not agree more. However, that is why the Bank ruled against us. Simply, because he worked in my home. He stole all things without my knowledge. He knew my pin number because he hacked it along with my mother 's maiden name, our social security numbers and anything in our lives that remain dear to us. \n\nTherefore, I am going to show you all the evidence and tell you that XXXX, XXXX, XXXX, XXXX, and multiple others all worked with us to eliminate the fraud. And the Bank of America still has not sent statements to me for the 4-5 months. They refuse to put back the money stolen from our ATM and I am appealing to you to assist us. \n\nThank you. \n\nXXXX and XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, XXXX  XXXX","date_sent_to_company":"2018-09-18T20:06:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90048","tags":"Older American","has_narrative":true,"complaint_id":"3022629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-09-18T18:53:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["He knew my pin number because he hacked it along with my mother 's <em>maiden</em> name, our social <em>security</em> numbers and anything in our lives that remain dear to us. \n\nTherefore, I am going to show you all the evidence and tell you that <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em>, and multiple <em>others</em> all worked with us to eliminate the fraud. And the Bank of America still has not sent statements to me for the 4-5 months. They refuse to put back the money stolen from our ATM and I am appealing to you to assist us."]},"sort":[10.183857,"3022629"]},{"_index":"complaint-public-v1","_id":"8486112","_score":10.04746,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Pursuant to FCRA XXXX ( XXXX XXXX XXXX  ) XXXX, XXXX and Experian were required to block the reporting of any information in my file that I have identified as information that resulted from identity theft, not later than XXXX business days of your receipt. More specifically : XXXX. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to a any transaction by the consumer. \n\nOn XX/XX/XXXX, I served a written dispute regarding fraudulent information on my credit reports to XXXX, XXXX and Experian and requested a block of the information. Each aforementioned consumer reporting agency failed to investigate or correct the information in a timely manner. Pursuant to the above statute, each consumer reporting agency was required to block the information on or before XX/XX/XXXX, taking into consideration the XXXX XXXX holiday on XX/XX/XXXX. \n\nXXXX - XXXX XX/XX/XXXX, I initiated a phone call to XXXX to determine the status of my claim filed on XX/XX/XXXX. XXXX XXXX explained that XXXX declined to block the information based on in-house criteria that she could not share with me. XXXX also failed to act within XXXX business days regarding my block request in violation of FCRA XXXX ( XXXX XXXX XXXX  ). \n\nNotwithstanding the fact that I provided XXXX separate proper identity theft reports to XXXX pursuant to XXXX XXXX. XXXX ( q ) ( XXXX ), XXXX has failed to block the inaccurate information and continues publishing the inaccurate information in violation of FCRA XXXX ( XXXX XXXX XXXX XXXX XXXX continues to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors in violation of the FCRA. \n\nXXXX - XXXX XX/XX/XXXX, I initiated a phone call to XXXX to determine the status of my claim # XXXX filed on XX/XX/XXXX. XXXX XXXX XXXX explained that XXXX received my claim on XX/XX/XXXX and that all hard inquiries would be removed and that the other disputed accounts will be removed within XXXX hours. XXXX also failed to act within XXXX business days regarding my block request in violation of FCRA XXXX ( XXXX U.S.C. XXXX ). \n\nNotwithstanding the fact that I provided XXXX separate proper identity theft reports to XXXX pursuant to XXXX XXXX. XXXX ( q ) ( XXXX ), as well as a copy of my Passport, Social Security XXXX and utility bill, and an XXXX representative stated that the disputed accounts would be removed within XXXX hours, XXXX has failed to block the inaccurate information and continues publishing the inaccurate information in violation of FCRA XXXX ( XXXX XXXX XXXX XXXX XXXX continues to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors in violation of FCRA XXXX ( XXXX XXXX XXXX XXXX \n\nEXPERIAN - XXXX XX/XX/XXXX, I initiated a phone call to Experian to determine the status of my claim filed on XX/XX/XXXX. I was told that Experian did not receive it. I explained to the representative that XXXX did in fact receive my dispute by first-class mail on XX/XX/XXXX. SEE EXHIBIT XXXX. I was advised to call back in a few days. Experian also failed to act within XXXX business days regarding my block request in violation of FCRA XXXX ( XXXX U.S.C. XXXX ). \n\nOn XX/XX/XXXX, I inquired online as to the status of my Experian dispute. Notwithstanding the fact that I provided XXXX separate proper identity theft reports to Experian pursuant to XXXX XXXX. XXXX ( q ) ( XXXX ), as well as a copy of my Passport, Social Security XXXX and utility bill for identification, Experian has failed to block the inaccurate information and continues publishing the inaccurate information in violation of FCRA XXXX ( XXXX U.S.C. XXXX ). XXXX continues to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors in violation of FCRA XXXX ( XXXXXXXX XXXX XXXX XXXX \nAgain, I am enclosing a copy of my Passport, my Social Security XXXX and a recent utility bill as proof of my identity. SEE EXHIBITS XXXX. I am also enclosing a copy of my divorce decree as proof that I have resumed my maiden name XXXX as of XX/XX/XXXX and ceased using the name XXXX. SEE EXHIBIT XXXX. \n\nI am also enclosing, again, XXXX separate identity theft reports as well as a data breach notice from XXXX. \n\nAs clearly shown in the XXXX XXXX police report, case number XXXX, on XX/XX/XXXX I was a victim of identity theft when my wallet, drivers license and credit cards were stolen. SEE EXHIBIT XXXX. My credit cards were subsequently used to make purchases. \n\nThen on XX/XX/XXXX, I was a victim of identity theft when a female impersonating me shoplifted items from a XXXX XXXX in XXXX XXXX, Maryland. I received a summons to appear in court to answer charges of XXXX XXXX. Upon investigation, I learned that the identity thief actually possessed a copy of my drivers license and provided my social security number to authorities when she was arrested. After reviewing the surveillance videos with law enforcement, it was clear that this woman had stolen my identity. I was able to get the case number XXXX filed by the XXXX XXXX XXXX Police Department expunged due to the theft of my identity. SEE EXHIBIT XXXX. \n\nOn or about XX/XX/XXXX, XXXX announced that an unauthorized party stole data associated with certain user accounts in XX/XX/XXXX. SEE EXHIBIT XXXX. It was then that I learned that my personal information was made available to third-parties by my ex-husband and actually being sold on the world wide web. The number of times criminals used my personal information to commit identity fraud and open fraudulent credit accounts and apply for loans and other benefits is too many to count. Even though I have taken all of the security precautions after having my identity stolen multiple times, thieves continue to use or sell my data, which affects me to this day. \n\nAgain, this information appears on my credit report as a direct result of identity theft. \nXXXX XXXX XXXX, XXXX - XXXX XXXX - Date Opened XX/XX/XXXX. \nXXXX XXXX XXXX - XXXX XXXX - Date Opened XX/XX/XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take XXXX action by blocking and deleting the above information on my credit report resulting from identity theft within the next XXXX business days or I will have no other choice but to file the enclosed civil lawsuit on or after XX/XX/XXXX, seeking damages and reasonable attorneys fees for your continued violation of my rights under the FCRA. SEE EXHIBIT XXXX Sincerely, XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-03-06T20:38:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"8486112","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-06T20:38:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em> continues to publish and disseminate such inaccurate information to <em>other</em> third parties, persons, entities and credit grantors in violation of FCRA <em>XXXX</em> ( XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \nAgain, I am enclosing a copy of my Passport, my Social <em>Security</em> <em>XXXX</em> and a recent utility bill as proof of my identity. SEE EXHIBITS <em>XXXX</em>. I am also enclosing a copy of my divorce decree as proof that I have resumed my <em>maiden</em> name <em>XXXX</em> as of XX/XX/<em>XXXX</em> and ceased using the name <em>XXXX</em>. SEE EXHIBIT <em>XXXX</em>."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[10.04746,"8486112"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":35,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":35}]}},"product":{"doc_count":35,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":6},{"key":"General-purpose prepaid card","doc_count":1}]}},{"key":"Checking or savings account","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":5},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal 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