{"took":328,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":27,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17599839","_score":17.739027,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am currently employed with XXXX XXXX XXXX XXXX and assigned to the United States XXXX in XXXX, where I have served continuously for the past XXXX years. Due to the nature of my work in a high-security environment, I undergo regular Top Secret / XXXX XXXX XXXX ) polygraph and background investigations with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\n\nDuring my most recent investigation, I was alerted to multiple unauthorized hard inquiries, delinquent accounts, fraudulent collections, and unknown debts appearing on my credit reportitems that I did not apply for, authorize, or sign for at any time. These entries were placed on my file without my knowledge or consent, and they are now jeopardizing the integrity of my XXXX clearance XXXX my position, and my ability to continue supporting XXXX XXXX  XXXX. \n\n\nBecause I work in a war-zone environment and have only been home four times in the last five years, I do not routinely monitor my credit report. I am XXXX for extended periods and have extremely limited access to personal financial systems. This makes me especially vulnerable to identity theft and unauthorized financial activity. \n\n\nTo further protect my information, I recently issued an updated Power of Attorney to my father and XXXX, who reside in XXXX, Florida, to help manage my affairs while I remain XXXX. \n\n\nI am formally disputing and contesting ALL unauthorized inquiries, accounts, debts, collections, and late-payment notations that do not belong to me. These items were fraudulently created and are causing direct harm to my federal clearance standing, my employment, and my reputation. I request immediate remediation, investigation, and removal of every fraudulent entry across all credit files.","date_sent_to_company":"2025-11-30T20:19:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34208","tags":"Servicemember","has_narrative":true,"complaint_id":"17599839","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2025-11-30T19:42:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These entries were placed on my file without my knowledge or consent, and they are now jeopardizing the integrity of my XXXX <em>clearance</em> XXXX my position, and my ability to continue supporting XXXX XXXX  XXXX. \n\n\nBecause I work in a war-zone environment and have <em>only</em> been home four <em>times</em> in the last five years, I do not routinely monitor my credit report. I am XXXX for extended periods and have extremely limited access to personal financial systems."]},"sort":[17.739027,"17599839"]},{"_index":"complaint-public-v1","_id":"17940542","_score":17.70871,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am currently employed with XXXX XXXX XXXX XXXX and assigned to the United States XXXX in XXXX, where I have served continuously for the past XXXX years. Due to the nature of my work in a high-security environment, I undergo regular Top Secret / XXXX XXXX XXXX ) polygraph and background investigations with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\n\nDuring my most recent investigation, I was alerted to multiple unauthorized hard inquiries, delinquent accounts, fraudulent collections, and unknown debts appearing on my credit reportitems that I did not apply for, authorize, or sign for at any time. These entries were placed on my file without my knowledge or consent, and they are now jeopardizing the integrity of my XXXX  clearance XXXX my position, and my ability to continue supporting XXXXXXXX XXXX XXXXXXXX. \n\n\nBecause I work in a war-zone environment and have only been home four times in the last five years, I do not routinely monitor my credit report. I am XXXX for extended periods and have extremely limited access to personal financial systems. This makes me especially vulnerable to identity theft and unauthorized financial activity. \n\n\nTo further protect my information, I recently issued an updated Power of Attorney to my father and XXXX, who reside in XXXX, Florida, to help manage my affairs while I remain XXXX. \n\n\nI am formally disputing and contesting ALL unauthorized inquiries, accounts, debts, collections, and late-payment notations that do not belong to me. These items were fraudulently created and are causing direct harm to my federal clearance standing, my employment, and my reputation. I request immediate remediation, investigation, and removal of every fraudulent entry across all credit files.","date_sent_to_company":"2025-11-30T20:19:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34208","tags":"Servicemember","has_narrative":true,"complaint_id":"17940542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Corp Solutions Inc.","date_received":"2025-11-30T20:19:16.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These entries were placed on my file without my knowledge or consent, and they are now jeopardizing the integrity of my XXXX  <em>clearance</em> XXXX my position, and my ability to continue supporting XXXXXXXX XXXX XXXXXXXX. \n\n\nBecause I work in a war-zone environment and have <em>only</em> been home four <em>times</em> in the last five years, I do not routinely monitor my credit report. I am XXXX for extended periods and have extremely limited access to personal financial systems."]},"sort":[17.70871,"17940542"]},{"_index":"complaint-public-v1","_id":"11503158","_score":17.554878,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Good evening, I filing a complaint against Sezzle. My Sezzle account went to collections to a third party collector named XXXX XXXX. I called and paid off my Sezzle account with True accord with a payment posted date of the XXXX day of XX/XX/year>. I called XXXX XXXX a few times after to get a letter stating the debt had been paid off. The second attempt was successful. I also asked XXXX XXXX when the collection/ charge off would be removed from my credit report. I was told I varies and that Sezzle would have to do so. After multiple attempts to call into the company Sezzle to talk to someone I was unsuccessful. I need this removed from my credit report as I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and now XXXX in XXXXXXXX XXXX XXXX to continue serving my country as well as a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in which on all titles require a minimum of a secret security clearance, as well my wife and I are trying to buy our first home and plant roots for our family we have built. Please help us get this off my credit report this is the only item standing between us and our new home.","date_sent_to_company":"2025-01-13T14:29:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"11503158","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sezzle Inc.","date_received":"2025-01-11T01:03:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Please help us get this off my credit report this is the <em>only</em> item standing between us and our new home."]},"sort":[17.554878,"11503158"]},{"_index":"complaint-public-v1","_id":"2663322","_score":17.316027,"_source":{"product":"Debt collection","complaint_what_happened":"During XXXX 2013, I went into XXXX XXXX XXXX ( Medical/Health Care ) with XXXX XXXX. During my stay, 2 separate doctors other than the treating physician stopped by to ask what brought me in. I asked both why they asked and each said they heard I was here and stopped by. Neither of these doctors did any treatments but both filed charges as consult visits. My insurance called foul on these charges. I had two insurances XXXX ( through my wife 's job ) and XXXX XXXX XXXX XXXX ( XXXX ). My insurance paid the bulk and XXXX picked up the remainder, I had already met my yearly limit so I had no additional copay. Neither insurance would pay for the bogus charges. After calling the hospital multiple times I was finally told the charges would be removed. I stopped receiving bills and all was well or so I thought. When I went to get my security clearance with the XXXX XXXX, the charges surfaced because instead of removing the charges, the hospital sold it to a debt buyer. I contacted the debt buyer First Financial Investment and they refuse to remove the derogatory information, because they brought the debt from XXXX XXXX XXXX  hospital. I have contacted First Financial Investment multiple times explained the account should never have been sent to collection. The Debt buyer First Financial Investment did not care. This is the only negative charge on my acct and it is jeopardizing my job with the military. I want XXXX XXXX XXXX ( Medical/Health Care ) to remove this derogatory mark from my credit report.","date_sent_to_company":"2017-09-11T05:26:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"03060","tags":"Servicemember","has_narrative":true,"complaint_id":"2663322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Strategic Alliances, Inc.","date_received":"2017-09-11T01:06:27.000Z","state":"NH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["After calling the hospital <em>multiple</em> <em>times</em> I was finally told the charges would be removed. I stopped receiving bills and all was well or so I thought. When I went to get my <em>security</em> <em>clearance</em> with the XXXX XXXX, the charges surfaced because instead of removing the charges, the hospital sold it to a debt buyer. I contacted the debt buyer First Financial Investment and they refuse to remove the derogatory information, because they brought the debt from XXXX XXXX XXXX  hospital."]},"sort":[17.316027,"2663322"]},{"_index":"complaint-public-v1","_id":"14706641","_score":16.470697,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have a XXXX account that I've had for years. I recently got a new phone number and changed it last month. Since doing so, I've been unable to send money. I tried sending to my friend XXXX XXXX last month, and it failed multiple times. I tried earlier today sending a payment to a local business which also failed. I tried removing my bank, that failed. I tried adding my bank, that failed as well. I called customer service and was told that it's not my bank denying, it's not that I changed my phone number, it's that my account is flagged in their system as security risk, and that it's been a common issue lately. She put me on hold for about 10 minutes, and said she put in a clearance for my payment I tried to make today, but that it was only for that payment. I told her I already paid cash, but I'm trying to resolve the issue for the future. She said she can't do that, because it's their system flagging it. I asked to escalate the issue to get it resolved, and she refused to do so, saying it's the system doing it, so she can't escalate it. There was no way to proceed forward so I had to ask her to delete my account. \n\nIve been using PayPal, their parent company, regularly and successfully for years with no issues. XXXX flagged me as some sort of fraud/security risk without cause, explanation, or appeal. Id like the company to explain or clear this record. After deleting my account, I was advised that I couldn't simply make a new account that was \" clean '', because their AI-based threat modeling and security risk database also permanently flags all phone numbers, bank accounts, card numbers, and possibly social security numbers ever linked with that account. This is unacceptable as I've never so much as requested a chargeback or had a failed payment before.","date_sent_to_company":"2025-07-18T00:55:47.000Z","issue":"Problem adding money","sub_product":"Mobile or digital wallet","zip_code":"195XX","tags":null,"has_narrative":true,"complaint_id":"14706641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-07-18T00:45:32.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I tried sending to my friend XXXX XXXX last month, and it failed <em>multiple</em> <em>times</em>. I tried earlier today sending a payment to a local business which also failed. I tried removing my bank, that failed. I tried adding my bank, that failed as well. I called customer service and was told that it's not my bank denying, it's not that I changed my phone number, it's that my account is flagged in their system as <em>security</em> risk, and that it's been a common issue lately."]},"sort":[16.470697,"14706641"]},{"_index":"complaint-public-v1","_id":"1423117","_score":16.210964,"_source":{"product":"Consumer Loan","complaint_what_happened":"I currently have an account with Freedom XXXX XXXX. I have been a customer with them for over 2 years now, from the beginning it has been stressful. I originally applied for financing for a flat screen television for a family member. I thought the pricing was good so I continued with the loan. I thought I would be done paying this off within a year but now I am still owing them over XXXX XXXX dollars. This company has been continuously harassing me about a payment that I try to make every month. Being in the military I can not fall delinquent in any payments because it was cause my security clearance to be breached and possible discharge from the XXXX XXXX. They have made multiple threats about contacting my XXXX regarding the account. I have asked them multiple times about offering me a settlement amount so that I could be completely done with them and they turned me down multiple times. This time is the last straw. I recently made a partial payment to them on XXXX XXXX XXXX. Usually they will call me and harass me with making another payment. But they only called me once on XXXX XXXX XXXX and left a voicemail. I could not answer because I was at work so I called them back as soon as I could. No XXXX answer and there is no way to leave a voicemail for them, the phone will hang up once it is ringing for too long. XXXX XXXX XXXX XXXX they took {$94.00} out of my account without me knowing. Also XXXX XXXX XXXX, they took {$190.00} out of my account without my consent. I have been trying to call them constantly and finally today I spoke with someone named XXXX, he was rude and talking over me, and even denied the transactions taking place. I even offered to send them a screenshot of my bank statement. XXXX told me that he would have his manager call me back. This is completely fraud and I do not understand why they would try to get over on young people in the military.","date_sent_to_company":"2015-06-18T18:19:44.000Z","issue":"Problems when you are unable to pay","sub_product":"Installment loan","zip_code":"278XX","tags":"Servicemember","has_narrative":true,"complaint_id":"1423117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ballybunion Enterprises, Inc","date_received":"2015-06-16T15:11:37.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Being in the military I can not fall delinquent in any payments because it was cause my <em>security</em> <em>clearance</em> to be breached and possible discharge from the XXXX XXXX. They have made <em>multiple</em> threats about contacting my XXXX regarding the account. I have asked them <em>multiple</em> <em>times</em> about offering me a settlement amount so that I could be completely done with them and they turned me down <em>multiple</em> <em>times</em>. This time is the last straw. I recently made a partial payment to them on XXXX XXXX XXXX."]},"sort":[16.210964,"1423117"]},{"_index":"complaint-public-v1","_id":"3324281","_score":15.840753,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I have diligently tried to work with Republic Finance. At first, I was furloughed and despite my requests, they continued to take automatic payments from my account after I notified them, with charges hitting my account 4 times. XXXX, branch manager stated that she filed suit against me although I communicated with one of her friendly representatives that my unemployment ended and I was returning to work. Unfortunately, a {$50.00} payment was returned that day because the funds had not reached my account. I am XXXX on a special mission, which I have communicated with XXXX. I filed a corporate complaint and XXXX responded. I have called XXXX back three times with no response. Further, this lender has an interest rate near 300 % and I also asked that a {$1600.00} premium be removed from the account as insurance on household goods. That has not occurred. My bank sent {$250.00} to REPUBLIC FINANCE but the funds were refused. The branch manager is obnoxious and unrelenting in spite of my attempts to work with her. Further, she is ruining my career and my security clearance by filing a bogus lawsuit as if payment arrangements had not already been made with her representatives. This company is predatory and as a consumer I should have been aware of their practices and should have never done business with them. Unfortunately, consumer beware. If they do this to me, there are many other victims. I can not continue to go back and forth with them and if I lose my job no one profits. I can not disclose my location at this time and have no access to mail or other communications, which had also been explained multiple times. This is the only creditor I have had problems with resulting from the furlough and subsequent layoff. Their profits from me are already huge, that exorbitant interest rate should not even be legal long term. My spouse is military and also stated that I should not have been involved with this company. Please provide relief.","date_sent_to_company":"2019-07-30T18:44:51.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"395XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3324281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RFNA, LP","date_received":"2019-07-30T18:04:47.000Z","state":"MS","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I can not disclose my location at this time and have no access to mail or other communications, which had also been explained <em>multiple</em> <em>times</em>. This is the <em>only</em> creditor I have had problems with resulting from the furlough and subsequent layoff. Their profits from me are already huge, that exorbitant interest rate should not even be legal long term. My spouse is military and also stated that I should not have been involved with this company. Please provide relief."]},"sort":[15.840753,"3324281"]},{"_index":"complaint-public-v1","_id":"16863466","_score":15.595907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TRIPLE EMERGENCY - EXPEDITED REVIEW REQUESTED FEDERAL CONTRACTOR WITH SECRET CLEARANCE CONTINUOUS EVALUATION ( CE ) PROGRAM - ACTIVE MONITORING HOUSING CLOSING DEADLINE : XX/XX/XXXX ( 10 WEEKS ) EMPLOYMENT TERMINATION IMMINENT IF CLEARANCE LOST SYSTEMATIC ILLEGAL RETALIATION UNDER FCRA DOCUMENTED FICO SCORE DAMAGE - GRAPH ATTACHED FACING HOMELESSNESS WITH CHILD - IMMEDIATE INTERVENTION REQUIRED CLEARANCE EMERGENCY : I hold a Secret security clearance as a federal contractor I am enrolled in Continuous Evaluation ( CE ) program My credit reports are being ACTIVELY MONITORED in real-time by Department of Defense security systems Chase 's FALSE credit reporting is appearing in active security monitoring RIGHT NOW A clearance review could trigger ANY DAY based on these false reports Loss of clearance = IMMEDIATE TERMINATION of federal employment This is not speculative- this is how CE program works CRITICAL EVIDENCE : Chase reported XXXX XXXX as \" OK/good standing '' on XX/XX/XXXX I made up ALL missed payments in XX/XX/XXXX ( when I was informed I missed ) I made XXXX 's regular payment ON TIME ( XX/XX/XXXX ) Chase NEVER charged any late fees for XXXX XX/XX/XXXX : I challenged Chase 's Credit Bureau Reporting Department XX/XX/XXXX XXXX Chase RETALIATED by changing Feb-Sept to \" 30-60 days late '' across all three bureaus - BEFORE I filed any formal disputes XX/XX/XXXX : Chase SUPERVISOR reviewed my account and stated : \" I do not see any missed or late payments for XXXXthis year '' and \" no late fees, so those months should not be reported as late to the credit bureaus '' XX/XX/XXXX : Supervisor helped me access my account to gather documents to \" show them '' ( the credit bureaus ) XX/XX/XXXX : I filed formal disputes with all three credit bureaus based on supervisor 's confirmation Chase reported XXXX as late despite THREE payments totaling {$180.00} in that month, including the regular on-time payment RECORDED SUPERVISOR CALL ( XX/XX/XXXX ) proves Chase 's reporting is false and retaliatory. Chase must produce this recording. \n\n\nNATURE OF COMPLAINT : I am filing an EMERGENCY complaint regarding systematic illegal furnisher retaliation by JPMorgan Chase Bank , N.A . in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).\n\nChase engaged in willful, coordinated retaliation by retroactively changing credit reporting across ALL THREE credit bureaus ( XXXX XXXX XXXX ) from \" good standing '' to \" 30-60 days late '' ONLY AFTER I challenged their reporting on XX/XX/XXXX. \n\nChase changed their reporting BEFORE I filed any formal disputes with credit bureaus, proving this was retaliation for being challenged, not the result of any investigation.\n\nTwo days after Chase made these retaliatory changes, Chase 's own SUPERVISOR confirmed on a recorded call that there were \" no missed or late payments for XXXX '' and that without late fees, the months \" should not be reported as late to the credit bureaus. '' TRIPLE EMERGENCY - IMMEDIATE CFPB INTERVENTION REQUIRED EMERGENCY # XXXX : SECRET CLEARANCE JEOPARDY I am a XXXX XXXX holding a SECRET SECURITY CLEARANCE. This clearance is required for my employment and allows me to access classified information and work on sensitive government projects. \n\nI am currently enrolled in the CONTINUOUS EVALUATION ( CE ) PROGRAM administered by the Department of Defense. This program means : My credit reports are being ACTIVELY MONITORED in real-time by DoD security systems The monitoring is AUTOMATED and CONTINUOUS Credit issues trigger AUTOMATIC FLAGS in the security system These flags can trigger a clearance review at ANY TIME without warning Reviews can happen within DAYS of negative credit reporting appearing Chase 's false credit reporting is appearing in this active security monitoring system RIGHT NOW. The false late payment reports are being flagged as potential financial problems.\n\nWHAT THIS MEANS : A clearance review could be triggered ANY DAY. When that happens : I will be questioned about the \" late payments '' I will have to explain the credit issues The reviewing authority sees \" 60 days late '' across multiple months Even with my explanation, the volume of negative marks raises red flags Clearance can be suspended during review Suspension = immediate removal from classified work Removal from classified work = CONTRACT TERMINATION This is not \" might happen '' - this is how the CE program works If I lose my clearance : My federal contract employment ends IMMEDIATELY I can not work on classified projects My employer can not keep me without clearance I lose my income within days I can not get another federal contractor job without clearance Rebuilding clearance takes MONTHS even after credit is corrected This is URGENT because : The false reporting is in DoD systems NOW A review could trigger tomorrow or next week Once clearance review starts, damage is done I need Chase 's false reporting corrected BEFORE review triggers EMERGENCY # 2 : HOUSING JEOPARDY I am purchasing the home where my son and I currently live. Closing is scheduled for XX/XX/XXXX - approximately 10 weeks from now. \n\nChase 's illegal retaliation and the resulting credit score damage are directly threatening my mortgage approval. My lender has raised concerns about the credit issues. \n\nIf this purchase fails due to Chase 's illegal conduct : My child and I will be HOMELESS in XX/XX/XXXX We can not afford to rent in our area ( rental costs exceed mortgage payments ) My child will lose stability and security during a critical time I will lose the opportunity to build equity and financial security This is not theoretical- I have a closing deadline in approximately 10 weeks.\n\nEMERGENCY # 3 : EMPLOYMENT JEOPARDY Between clearance loss and housing loss, my ability to maintain stable employment is at risk : Loss of clearance = immediate job termination Loss of housing = instability that makes job search difficult Both together = catastrophic situation for me and my child This is a TRIPLE EMERGENCY where each component threatens the others : Can't keep job without clearance Can't keep house without income Can't get new clearance without stable housing/employment All three are interconnected and ALL are threatened by Chase 's false reporting I need URGENT/EXPEDITED review and immediate CFPB intervention before the January deadline and before a clearance review is triggered.\n\nDOCUMENTED EVIDENCE I POSSESS I have comprehensive documentation proving Chase 's illegal retaliation : Official credit reports from ALL THREE bureaus dated XX/XX/XXXX, showing Chase reported XXXX XXXX as \" OK/good standing/current '' Official credit reports from ALL THREE bureaus from XX/XX/XXXX showing Chase changed XXXX XXXX to \" 60 days late '' after I challenged them FICO Score 8 graph showing dramatic credit score drop in XX/XX/XXXX coinciding exactly with Chase 's retaliatory reporting changes Bank statements proving I made XXXX 's regular payment ON TIME ( XX/XX/XXXX, {$46.00} ) plus TWO makeup payments ( XX/XX/XXXX, {$92.00} and XX/XX/XXXX, {$46.00} ) - total {$180.00} in XXXX alone Credit monitoring alerts showing when Chase changed reporting ( XX/XX/XXXX XXXX RECORDED CALL with Chase SUPERVISOR ( XX/XX/XXXX ) where supervisor stated : \" I do not see any missed or late payments for XXXXthis year '' \" We only report late payments if we charge a late fee '' \" I do not see any late fees charged to your account '' \" No late fees, so those months should not be reported as late to the credit bureaus '' Helped me access my online account after a multiple-months long lockout Told me to gather documents to \" show them '' ( encouraging me to dispute with credit bureaus ) Timeline documentation showing I scheduled makeup payments IMMEDIATELY when informed of missed months ( good faith conduct ) Evidence showing I was locked out of my online account for approximately 9 months ( XXXX XXXX ), preventing me from monitoring my account Documentation of Secret clearance and Continuous Evaluation enrollment COMPLETE TIMELINE OF EVENTS I am providing the complete, accurate timeline to show my good faith conduct throughout and Chase 's pattern of retaliation : XXXX XXXX - INITIAL MISSED PAYMENTS : I acknowledge that I missed payments for XXXX, XXXX, and XX/XX/XXXX. \nHowever, the critical facts are : I was locked out of my Chase online account during this period ( system said account \" doesn't exist '' when I tried to log in ) I was unable to view statements or monitor my account After I spoke with Chase customer service during this period, representatives repeatedly told me my account was \" current '' and \" in good standing '' Chase was reporting to all three credit bureaus that these months were \" OK '' and in \" good standing '' ( see XX/XX/XXXX credit reports below ) Chase NEVER charged any late fees for these months IMPORTANT : I made up ALL of these missed payments in XX/XX/XXXX as soon as I was informed of them. I scheduled each makeup payment IMMEDIATELY during the same phone call when I learned about the missed month. \n\nXX/XX/XXXX - CHASE REPORTS ALL MONTHS AS \" GOOD STANDING '' : I obtained official credit reports from all three credit bureaus. These reports are CRITICAL EVIDENCE : XXXX  ( Report dated XX/XX/XXXX ) : Chase reported XXXX XXXX as \" OK '' - showing no missed payments XXXX  ( Report from XXXX ) XXXX Chase reported XXXX XXXX as \" OK/Current '' - showing no missed payments XXXX  ( Report dated XX/XX/XXXX ) XXXX Chase showed NO late payment marks for XXXX SIGNIFICANCE : As of XX/XX/XXXX, Chase was telling all three credit bureaus that my account was in good standing with no missed payments for XXXX through XX/XX/XXXX. This was consistent with what Chase 's customer service had told me on the phone. \n\nWhether this XXXX reporting was accurate or not, Chase CAN NOT change it retroactively after I challenge them - that is illegal retaliation under FCRA. \n\nXX/XX/XXXX - REGULAR XXXX PAYMENT MADE ON TIME : I made my regular monthly payment for XXXX : {$46.00} payment posted to Chase account. This payment was ON TIME. \n\nBank statement attached proving this payment. \n\nXX/XX/XXXX - DISCOVERED XXXX LATE REPORTING : I monitor my credit reports regularly due to my upcoming mortgage application AND my security clearance Continuous Evaluation. My credit monitoring alerted me that Chase had begun reporting XXXX and XXXX as late payments. \n\nI was confused because : XX/XX/XXXX credit reports showed everything as \" OK '' Chase reps had told me account was current I had been making payments I immediately called Chase customer service. During this call : This was the FIRST TIME Chase mentioned the XXXX missed payment I IMMEDIATELY scheduled a makeup payment during that same phone call I was told my account would be in \" good standing '' once the payment was made The representative suggested I contact the Credit Bureau Reporting Department ACTION TAKEN : I scheduled makeup payment immediately - demonstrating good faith. \n\nXX/XX/XXXX - MAKEUP PAYMENT POSTED : {$92.00} payment posted to Chase account. This payment was intended to make up the missed XXXX and XXXX payments. \n\nBank statement attached proving this payment. \n\nXX/XX/XXXX - CHASE CALLED ABOUT OUTSTANDING BALANCE : Chase called ME regarding an outstanding balance. During this call : Chase representative mentioned additional payment issues I asked why I wasn't informed about these issues on previous calls Representative had no answer I IMMEDIATELY scheduled additional payment ( s ) during that same phone call I asked multiple times to confirm my account would be in \" good standing '' Representative confirmed it would be Representative advised me to call Credit Bureau Reporting Department ACTION TAKEN : I again scheduled payment ( s ) immediately when informed - demonstrating continued good faith. \n\nXX/XX/XXXX - ADDITIONAL MAKEUP PAYMENT POSTED : {$46.00} payment posted to Chase account. This was makeup for XXXX ( which I had just learned about ). \n\nBank statement attached proving this payment. \n\nTOTAL XXXX PAYMENTS : {$180.00} ( {$46.00} + {$92.00} + {$46.00} ) across THREE separate payments XX/XX/XXXX - CALLED CHASE CREDIT BUREAU REPORTING DEPARTMENT : After making all makeup payments and ensuring my account was current, I called Chase 's Credit Bureau Reporting Department to understand why : XXXX and XXXX were being reported as late When these would be corrected since I had made makeup payments This call was EXTREMELY DIFFICULT : Regular customer service representatives did NOT want to transfer me I was told to call the credit bureaus directly instead I had to insist multiple times Eventually reached Credit Bureau Reporting Department During this call with Credit Bureau Reporting : The representative would not provide clear answers I mentioned I was considering disputing with the credit bureaus I asked for an investigation Representative kept asking if I thought there was \" fraud '' or an \" error '' I stated : \" I think there is an error '' Representative did not agree with me I did not get resolution or meaningful assistance SIGNIFICANCE : I challenged Chase 's credit reporting on XX/XX/XXXX. I mentioned disputing. I made it clear I believed their reporting was inaccurate. \n\nNOTE : I had NOT yet filed any formal disputes with XXXX, XXXX, or XXXX  at this point. I was simply challenging Chase directly. \n\n\nXX/XX/XXXX - CHASE 'S ILLEGAL RETALIATION : My credit monitoring alerted me that Chase had made significant changes to their credit bureau reporting. \n\nI checked my credit reports and discovered : BEFORE ( XX/XX/XXXX ) : XXXX XXXX : All reported as \" OK/good standing '' AFTER ( XX/XX/XXXX ) : XXXX XXXX : ALL NOW reported as \" 60 days late '' This change occurred across ALL THREE credit bureaus simultaneously : Equifax : XXXX now showing as XXXX days late TransUnion : XXXX now showing as missed payments Experian : XXXX now showing as XXXX days late TIMING IS CRITICAL : XX/XX/XXXX : I challenged Chase and mentioned disputing 19 days later XX/XX/XXXX : Chase changed reporting across all three bureaus I had NOT filed any formal disputes with credit bureaus yet. Chase made these changes in response to my XX/XX/XXXX phone call where I challenged them - NOT in response to any consumer dispute investigation under FCRA. \n\nThis is textbook illegal retaliation : making credit reporting worse after a consumer challenges you. \n\nADDITIONAL PROOF OF RETALIATION : Chase reported XX/XX/XXXX as late, despite : XX/XX/XXXX : Regular payment made ON TIME ( {$46.00} ) XX/XX/XXXX : Additional payment ( {$92.00} ) XX/XX/XXXX : Additional payment ( {$46.00} ) TOTAL : {$180.00} paid in XXXX How can Chase claim XXXX was \" 60 days late '' when I made THREE payments totaling {$180.00} in that month, including the regular on-time payment? \n\nThis proves Chase 's reporting is false and retaliatory, not corrective. \n\nIMMEDIATE IMPACT ON CLEARANCE : These false reports entered my Continuous Evaluation monitoring on XX/XX/XXXX. \nMy security file now shows multiple \" 60 days late '' marks across three bureaus.\n\nThis is exactly the type of financial issue that triggers clearance reviews. \n\nXX/XX/XXXX - SUPERVISOR CALL ( RECORDED ) : Two days after Chase made these retaliatory changes, I called Chase again to speak with the Credit Bureau Reporting Department.\n\nThe conversation was similar to XX/XX/XXXX- I was getting nowhere. \n\nI requested to speak with a SUPERVISOR. \n\nA CHASE SUPERVISOR came on the line. This call was RECORDED by Chase ( as all their calls are ). Chase must produce this recording as it proves everything I am stating.\n\nTHE SUPERVISOR 'S STATEMENTS ( all on recorded call ) : STATEMENT # 1 - NO MISSED OR LATE PAYMENTS : The supervisor reviewed my account in Chase 's system and told me : \" I do not see any missed or late payments for XXXX/this year '' She specifically said \" for XXXX '' and \" this year '' - indicating she had reviewed my entire payment history for XXXX. \n\nSIGNIFICANCE : This was TWO DAYS after Chase had reported XXXX as 60 days late to all three credit bureaus. Yet Chase 's own supervisor, looking at Chase 's own internal records, said she saw NO missed or late payments for XXXX. \n\nWHY THE SUPERVISOR WAS CORRECT : I had made up XXXX, XXXX, and XXXX in XXXX I had made regular payments for XXXX I had made THREE payments in XXXX ( including on-time regular payment ) The account was current with no outstanding late payments STATEMENT # 2 - CHASE 'S POLICY ON LATE REPORTING : The supervisor explained Chase 's official policy regarding when they report late payments to credit bureaus. She stated : \" We only report late payments if we charge a late fee '' This was a clear, official policy statement from a supervisor with full authority and training. \n\nSTATEMENT # 3 - NO LATE FEES CHARGED : The supervisor confirmed : \" I do not see any late fees charged to your account '' She verified that NO late fees had been charged for XXXX, XXXX, XXXX, or any other month in XXXX. \n\nSTATEMENT # 4 - SHOULD NOT BE REPORTED LATE : Based on her review and Chase 's policy, the supervisor told me : \" No late fees, so those months should not be reported as late to the credit bureaus '' She was directly stating that according to Chase 's policy ( no late fee = no late reporting ) and her review of my account ( no late fees charged ), the months should NOT be reported as late.\n\nSTATEMENT # 5 - HELPED ME ACCESS ACCOUNT : The supervisor unlocked my online account, which I had been unable to access for months ( the system kept saying my account \" doesn't exist '' ).\n\nShe sent me a code that allowed me to log in and view my account for the first time in months.\n\nSTATEMENT # 6 - TOLD ME TO GATHER DOCUMENTS TO \" SHOW THEM '' : After reviewing my account and making all the above statements, the supervisor told me to : Access my online account Pull/download documents and statements \" You can show them '' MEANING : The supervisor was telling me to gather documentation and use it to \" show them '' - meaning show the credit bureaus or whoever needed to see proof.\n\nShe was essentially telling me to dispute the inaccurate credit reporting because based on her review : No late payments for XXXX Chase 's policy : only report late if late fee charged No late fees were charged Therefore, months should not be reported as late WHY SUPERVISOR 'S STATUS MATTERS : This was a SUPERVISOR making these statements, not an entry-level representative. \nThis is legally significant because : Supervisors have extensive training and experience Supervisors have full access to Chase 's systems and records Supervisors are authorized to make official policy statements Supervisors speak with Chase 's corporate authority Chase can not claim \" she didn't know '' or \" she made a mistake '' When a SUPERVISOR reviews an account, explains company policy, and tells a customer the reporting is wrong, that represents an official assessment from Chase. \n\nXX/XX/XXXX - FORMAL DISPUTES FILED : The SAME DAY as the supervisor call ( XX/XX/XXXX ), I filed formal disputes with all three credit bureaus : XXXX  XXXX  XXXX  I filed these disputes BECAUSE : Chase 's own supervisor confirmed there were no late payments for XXXX Supervisor confirmed no late fees were charged Supervisor stated Chase 's policy : no late fee = no late reporting Supervisor said the months should NOT be reported as late Supervisor helped me access documentation to support my dispute I was exercising my legal right under FCRA to dispute inaccurate information, and I was doing so based on Chase 's own supervisor telling me the reporting was wrong. \n\n\n\nWHY THIS IS ILLEGAL FURNISHER RETALIATION UNDER FCRA Under 15 U.S.C. 1681s-2 ( b ), when a consumer disputes information, the furnisher must : 1. Conduct reasonable investigation 2. Review all relevant information provided by consumer 3. Report results to credit bureaus 4. NOT retaliate against consumer for exercising dispute rights Chase violated ALL of these requirements : VIOLATION # 1 : RETALIATION FOR CHALLENGING THEM Timeline proves retaliation : XX/XX/XXXX : Chase reports XXXX XXXX XXXX OK/good standing '' to all three bureaus XX/XX/XXXX : I challenge Chase and mention disputing XX/XX/XXXX : Chase changes reporting to show Feb-Sept as \" 60 days late '' This happened BEFORE I filed any formal disputes Chase made my credit reporting WORSE after I challenged them, not better. Chase changed reporting that they had been providing for months as \" good standing '' to suddenly show as \" late '' - ONLY AFTER I challenged them.\n\nThis is textbook illegal furnisher retaliation under FCRA.\n\nVIOLATION # 2 : THEIR OWN SUPERVISOR CONTRADICTED THE REPORTING XX/XX/XXXX : Chase reports Feb-Sept as 60 days late XX/XX/XXXX : Chase 's supervisor says \" no missed or late payments for XXXX '' If Chase conducted any reasonable investigation before changing the reporting on XX/XX/XXXX, why did their own supervisor contradict that reporting just TWO DAYS LATER?\n\nThe supervisor reviewed the account and found : No late payments for XXXX No late fees charged By Chase 's policy, nothing should be reported late Yet Chase 's XX/XX/XXXX reporting showed multiple months as 60 days late. \n\nThis proves Chase did NOT conduct a reasonable investigation. They retaliated. \n\nVIOLATION # XXXX : REPORTING XXXX AS LATE DESPITE ON-TIME PAYMENT XX/XX/XXXX payments : XX/XX/XXXX : {$46.00} ( regular on-time payment ) XX/XX/XXXX : {$92.00} ( makeup payment ) XX/XX/XXXX : {$46.00} ( makeup payment ) TOTAL : {$180.00} Chase reported XXXX as \" 60 days late. '' QUESTION : How can a month be \" 60 days late '' when : The regular monthly payment was made ON TIME TWO additional makeup payments were also made in that month Total of {$180.00} was paid ( 4x the regular payment amount ) ANSWER : It can't. This reporting is objectively FALSE.\n\nThis proves Chase 's reporting is not \" corrective '' or \" accurate '' - it is retaliatory and false.\n\nVIOLATION # 4 : VIOLATED THEIR OWN STATED POLICY Chase 's supervisor stated Chase 's policy : \" We only report late payments if we charge a late fee '' Chase 's supervisor confirmed : \" No late fees charged '' Yet Chase reported months as late anyway.\n\nChase violated their own policy as stated by their own supervisor.\n\nVIOLATION # 5 : SYSTEMATIC RETALIATION ACROSS ALL THREE BUREAUS Chase didn't change reporting to just one bureau. They changed reporting to ALL THREE bureaus simultaneously on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This proves the changes were : Coordinated Systematic Intentional Retaliatory This was not an error or isolated incident. This was deliberate retaliation executed across Chase 's entire credit reporting system.\n\nDOCUMENTED HARM CAUSED BY CHASE 'S ILLEGAL CONDUCT HARM # 1 : IMMEDIATE THREAT TO SECURITY CLEARANCE Chase 's false reporting is in my Continuous Evaluation monitoring RIGHT NOW.\n\nThe DoD security system sees : Multiple \" 60 days late '' marks across three bureaus Pattern appearing to show financial irresponsibility Red flags triggering in automated monitoring Consequences if clearance review is triggered : Immediate questioning about financial issues XXXX on my record even after explanation Possible clearance suspension during review Contract termination if clearance suspended Loss of income within days Inability to get other federal contractor jobs Months to rebuild clearance even after credit corrected This harm is IMMEDIATE and IRREVERSIBLE once review triggers. Every day Chase 's false reporting remains increases the risk.\n\nHARM # 2 : IMMEDIATE THREAT TO HOUSING My mortgage approval for the home where my child and I live is in jeopardy due to Chase 's retaliatory credit reporting. My lender has raised concerns about the credit issues.\n\nIf my mortgage is denied due to Chase 's illegal conduct : My son and I will be homeless in XX/XX/XXXX We can not afford to rent in our area ( rental costs exceed mortgage payments ) My child will lose stability and security during a critical time I will lose the opportunity to build equity and financial security This is not theoretical- I have a closing deadline in approximately 10 weeks.\n\nHARM # 3 : IMMINENT EMPLOYMENT TERMINATION The clearance and housing threats combine to create employment jeopardy : Clearance loss = immediate job termination Housing loss = instability making job search difficult Loss of income = inability to maintain housing All three create downward spiral This is not speculative future harm. This is : Clearance monitoring active NOW Housing deadline in 10 weeks False reports affecting both NOW HARM # 4 : QUANTIFIABLE CREDIT SCORE DAMAGE My FICO Score 8 graph ( attached ) shows : Stable credit scores through XX/XX/XXXX DRAMATIC DROP in XX/XX/XXXX Drop coincides EXACTLY with Chase 's XX/XX/XXXX retaliatory reporting changes All three credit bureaus show simultaneous score drops This credit damage : Directly threatens my mortgage approval May result in higher interest rates if I am approved Could cost me thousands of dollars over the life of a mortgage Damages my creditworthiness for years Triggers clearance monitoring flags All caused by Chase 's illegal retaliation HARM # 5 : EMOTIONAL AND XXXX  HARM Chase 's conduct has caused : Extreme XXXX  and XXXX  about losing housing Fear of my child becoming homeless Terror about losing clearance and career Sleepless nights worrying about the XXXX deadline Constant monitoring of clearance status Feeling helpless against a large corporation 's illegal retaliation Having to fight for basic fairness while facing multiple crises HARM # 6 : FINANCIAL HARM Potential loss of home purchase opportunity Higher costs if forced to rent instead Lost opportunity to build equity Potential loss of entire career if clearance lost Time and resources spent fighting Chase 's illegal conduct Costs associated with disputing and documenting everything CHASE HAS NO VALID DEFENSE Chase can not defend their conduct : \" We were correcting inaccurate reporting '' Your own supervisor confirmed on XX/XX/XXXX there were no late payments Why report XXXX as late when it was paid on time with XXXX payments? \nWhy wait until AFTER consumer challenges you to \" correct '' anything? \n\n\" The customer filed disputes so we investigated '' You changed reporting on XX/XX/XXXX, BEFORE I filed any formal disputes I didn't file disputes until XX/XX/XXXX You retaliated for being challenged, not for formal disputes \" Our supervisor made a mistake '' She's a SUPERVISOR - trained, experienced, authorized She reviewed the entire account She stated official Chase policy She confirmed no late fees charged She told me the reporting was wrong \" The timing is coincidence '' XX/XX/XXXX : Report everything as \" good standing '' XX/XX/XXXX : Customer challenges us XX/XX/XXXX : Change reporting to \" 60 days late '' ( 19 days later ) XX/XX/XXXX : Supervisor says \" no late payments '' This timeline proves deliberate retaliation \" We only report accurate information '' XXXX had THREE payments totaling {$180.00} including on-time regular payment Yet you reported XXXX as \" 60 days late '' This is objectively false The facts are undeniable. Chase engaged in illegal furnisher retaliation. \n\nEVIDENCE OF POTENTIAL COVER-UP ATTEMPT 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 On XX/XX/XXXX, I contacted Chase requesting call summaries to verify my timeline. Chase provided detailed notes for the XX/XX/XXXX call but stated that notes for the XX/XX/XXXX supervisor call are \" incomplete. '' This is highly suspicious as the XX/XX/XXXX call contains key evidence contradicting Chase 's false reporting. \n\nThe selective \" incomplete '' documentation suggests possible evidence tampering or cover-up attempts. Chase can document routine calls in detail but conveniently can not document the supervisor call where their own representative contradicted their false reporting. \n\nI have a recording of this XX/XX/XXXX call where Chase representatives confirm the XX/XX/XXXX notes are \" incomplete '' while other calls have complete detailed notes. \n\nI request CFPB investigate this apparent attempt to hide evidence that would prove Chase 's misconduct.","date_sent_to_company":"2025-10-28T23:27:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78418","tags":null,"has_narrative":true,"complaint_id":"16863466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-28T20:46:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The DoD <em>security</em> system sees : <em>Multiple</em> \" 60 days late '' marks across three bureaus Pattern appearing to show financial irresponsibility Red flags triggering in automated monitoring Consequences if <em>clearance</em> review is triggered : Immediate questioning about financial issues XXXX on my record even after explanation Possible <em>clearance</em> suspension during review Contract termination if <em>clearance</em> suspended Loss of income within days Inability to get other federal contractor jobs Months to rebuild <em>clearance</em>"]},"sort":[15.595907,"16863466"]},{"_index":"complaint-public-v1","_id":"9139962","_score":15.420471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here 's a description of what happened without including personal information : In XXXX, I went through a XXXX from my XXXX. Since XXXX, I have been XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) XXXX I recently discovered that an account with XXXX was opened without my knowledge or consent. I believe that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX may have opened this account, along with several other credit accounts, using my personal information after our XXXX. My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since XXXX, making it impossible for me to have opened or used this account. I have not had any utility accounts in the XXXX since XXXX. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. The collection agency, CBE, informed me that they are not licensed to collect overseas and refused to discuss the matter further since I am currently outside the XXXX as a XXXX. However, they did mention that the debt appears to be from XXXX XXXX. ( Not sure why they told me XXXX XXXX on my first call ). When I contacted XXXX, they said they had no account with me. I am requesting that this fraudulent account be removed from my credit report and that the companies involved investigate the matter thoroughly, as I have never had an account with XXXX XXXX and have been living abroad since XXXX. The last account I had XXXX  years ago was with XXXX XXXX. That's the only broadband account I ever had in XXXX and it was closed in XXXX.","date_sent_to_company":"2024-05-30T07:45:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"043XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9139962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The CBE Group, Inc.","date_received":"2024-05-30T07:45:20.000Z","state":"ME","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["My XXXX knows my Social <em>Security</em> number and birthdate, but she denies any involvement in opening these accounts. I have provided documentation <em>multiple</em> <em>times</em> to substantiate my claim that I have been living and working overseas since XXXX, making it impossible for me to have opened or used this account. I have not had any utility accounts in the XXXX since XXXX."]},"sort":[15.420471,"9139962"]},{"_index":"complaint-public-v1","_id":"14368579","_score":15.136023,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Status : Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$6600.00} Account Details Account TypXXXX XXXX XXXX XXXX Individual Original Loan Amount {$3100.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$6600.00} Date of Last Payment Not Reported Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remarks Charged off as bad debt. Profit and loss write-off. \n\n\nRegional Finance claimed to have mailed me a check in XX/XX/XXXX. According to XXXX XXXX, I cashed this check. I was not aware of any loan or had any contact with a loan officer from XXXX XXXX until I received several threatening calls from a collector from XXXX XXXX in XXXX or XX/XX/XXXX. I never had a loan or requested a loan from XXXX XXXX. To my surprise, I found this loan listed on my credit score. I immediately disputed the loan with all three credit Bureaus. This had little to no effect, as my credit score plummeted over the next few months, causing significant distress and concern. I received a letter from XXXX XXXX requesting my personal information. Social security number, date of birth, annual salary, employer, and other relevant details. All the information required when you are requesting a loan. I did not give them my information. If I had applied for a loan with XXXX XXXX, all that information should have been filed by XXXX XXXX. Several months later, I learned through the credit bureaus that XXXX XXXX had charged off and placed in collection. To this day, I have not received a single call from Regional Finance for collection. I have filed several disputes and reported XXXX XXXX to the XXXX XXXX XXXX XXXX of the Office of the Attorney General XXXX Regional Finance Corporation Complaint No. : XXXX ). Before a collector first contacted me. I had never met or talked to anyone from that office until the debt collector called me in early XXXX. I have disputed this loan multiple times. The Regional Finance Pay Chart indicated that I made payments to the loan in XXXX and XX/XX/XXXX, but I didn't find out about the loan until XXXX or XX/XX/XXXX. This unexpected discovery of the loan made I couldn't make any payments because I didn't know a loan existed. It raises serious concerns and necessitates a thorough investigation. I have been denied loans and faced poor interest rates due to this fraudulent loan. As a government employee with security clearance, this situation is not only affecting my finances but also my professional life. Eventually, this will affect my security clearance with the government. I need assistance from XXXX XXXX. \n\nEnclosed document : Regional Finance Pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-30T21:23:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78218","tags":"Servicemember","has_narrative":true,"complaint_id":"14368579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Regional Management Corporation","date_received":"2025-06-30T20:36:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["As a government employee with <em>security</em> <em>clearance</em>, this situation is not <em>only</em> affecting my finances but also my professional life. Eventually, this will affect my <em>security</em> <em>clearance</em> with the government. I need assistance from XXXX XXXX. \n\nEnclosed document : Regional Finance Pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[15.136023,"14368579"]},{"_index":"complaint-public-v1","_id":"4197849","_score":15.017382,"_source":{"product":"Mortgage","complaint_what_happened":"I purchased my residence in Fall of XXXX through the XXXX  XXXX XXXX and my loan was packaged and sold to Mr. Cooper immediately following. Mr. Cooper 's parent company serviced my previous mortgage without issue. Mr. Cooper 's capacity for servicing my mortgage have been the opposite. \n\nBeginning on XX/XX/XXXX I paid a partial payment of {$1800.00} towards my next month 's loan amount. It was misrouted by Mr.Cooper to additional principal. It took multiple phone calls to have this corrected, with the funds reapplied to a partial payment, but instead of being applied to the total amount, they were held in unapplied funds. \n\nOn XX/XX/XXXX I had to call multiple times to address additional principal payments which had not been correctly applied and have them backdated to the correct date with the additional interest that had accrued to be removed. This was done and {$88.00} of interest was credited back. \n\nOn XX/XX/XXXX I paid {$1600.00} towards additional principal and Mr. Cooper misrouted it to a partial payment. It took multiple phone calls to have this fixed. \n\nOn XX/XX/XXXX I paid {$1900.00} towards a partial payment of my mortgage and Mr. Cooper completed the transaction correctly and then reversed the transaction and misrouted it to additional principal. After multiple phone calls they fixed this back, only to immediately 'un fix ' it Six changes were made to my account without permission as they transferred the money back and forth, reversing charges and incorrectly applying them. \n\nOn XX/XX/XXXX I paid {$1900.00} towards a partial payment of my mortgage. Mr. Cooper incorrectly routed it to additional principal. It took multiple phone calls to resolve this. Five changes were made to my account without my permission again as they transferred the money back and forth.\n\nMr. Cooper 's website provides four options for payments : 1. Full Payment 2. Principal-Only Payment 3. Escrow Deposit 4. Partial Payment I have spoken to numerous escalation representatives, as well as the Executive Resolutions Team Manager, and their AVP of Escalations. The explanations I have received vary each time : 1. It is user error, you are selecting the wrong payment method ( Incorrect ).\n\n2. We set up your hierarchy wrong. ( Hierarchy is the back end book keeping ). We accidently set you at a ( Pay 6 months in advance before anything goes to additional principal / Pay 2 months in advance before anything goes to additional principal / Pay the total for the month and then anything else goes to additional principal ) 3. The person before me set your hierarchy wrong. I'll fix it. \n4. The person before me did not correctly set your hierarchy, I'll absolutely fix it.\n\n5. Our system gets confused by partial payments, you should only pay the full amount.\n\n6. You should give us access to your bank account and we'll go ahead and take money out twice a month for you. \n\nNow why does this matter? Had I not been staring at my account constantly, checking every payment, I would have been late in making no less than three monthly payments in a six month period. Even though I was paying additional amounts towards my mortgage and paying early, I was logging back in to find that the amount due was not reducing, or the payment was not being correctly allocated. Worse, after making a payment and verifying, it would be changed multiple times without my permission.\n\nHad I been delinquent in these payments, my security clearance would be subject to review. My job, with the US Army requires a TS clearance and I would lose my role and position. \n\nI have exhausted all available resources both internally and externally with Mr. Cooper, and with with nearly 20 instances of banking malfeasance on their part, I spend upwards of 3-5 hours on the phone every two weeks fixing their issues.\n\nMoreover, while I am not being 'punished ' for early payments, my money is sitting in unapplied funds, not paying off the loan amount. While this may be Mr. Cooper 's policy, my loan was agreed through the XXXX XXXXXXXX XXXX, and they have not had any issues with this prior, so even when I make payments, they are not properly reducing my total amount.","date_sent_to_company":"2021-03-10T06:03:51.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"98406","tags":"Servicemember","has_narrative":true,"complaint_id":"4197849","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-03-10T00:27:03.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Worse, after making a payment and verifying, it would be changed <em>multiple</em> <em>times</em> without my permission.\n\nHad I been delinquent in these payments, my <em>security</em> <em>clearance</em> would be subject to review. My job, with the US Army requires a TS <em>clearance</em> and I would lose my role and position. \n\nI have exhausted all available resources both internally and externally with Mr."]},"sort":[15.017382,"4197849"]},{"_index":"complaint-public-v1","_id":"15077218","_score":13.912785,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/year>, I was approved for a financial hardship program on my M1 Credit Card ( managed by XXXX XXXX XXXX ). The agreement clearly stated that I would be enrolled in a 12-month repayment plan with a $ 110 monthly payment at 0 % interest, starting in XX/XX/year>. \n\nDespite this agreement, my XX/XX/year> billing statement still reflects a {$180.00} minimum payment, which contradicts the terms of the hardship plan. I have contacted M1 customer service multiple times ( via email, phone, and secure message ) to have this corrected, but as of today, the issue remains unresolved. I have not received any formal update or resolution confirming implementation of the new terms. \n\nThis failure has caused me financial strain, confusion about my account status as I received a call from a third party servicer ( XXXX  ) stating I was 31 days past due when I am not, and potential credit consequences if I am marked late or underpaid based on an incorrect balance.\n\nWhy this is a problem ( legal violations and unfair practices ) : M1 and Deserve are potentially in violation of several federal consumer protection laws : Truth in Lending Act ( TILA ) inaccurate disclosures of repayment terms Fair Credit Billing Act ( FCBA ) failure to resolve a billing dispute within 30 days Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by not honoring an agreed-upon hardship program and continuing to bill the incorrect amount This has not only caused emotional distress but may lead to credit reporting inaccuracies or financial penalties for conditions I did not agree to. M1 closed the card for thousands of customers earlier this year once the credit servicing was acquired by XXXX so this is phantom debt that I am purposely working to pay off. However, M1 's inability to quick work to resolve this matter is playing a significant impact on me and my potential security clearance as a federal employee.","date_sent_to_company":"2025-08-04T15:22:07.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"20785","tags":null,"has_narrative":true,"complaint_id":"15077218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M1 Holdings Inc.","date_received":"2025-08-04T14:43:35.000Z","state":"MD","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["However, M1 's inability to quick work to resolve this matter is playing a significant impact on me and my potential <em>security</em> <em>clearance</em> as a federal employee."]},"sort":[13.912785,"15077218"]},{"_index":"complaint-public-v1","_id":"15745185","_score":12.755952,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Summary of Complaint : On XX/XX/XXXXXXXX XXXX XXXX MoneyLion / XXXX XXXX engaged in a series of company-designed practices that obstructed the complainants and likely other consumers ability to resolve charged-off accounts in full. \n\nDespite available funds, an active mortgage underwriting process, and multiple documented good-faith payment attempts, MoneyLions internal repayment protocols created unreasonable and avoidable barriers to resolution. \n\nThis is not a technical failure ; it is intentional system design. \n\nThe result is material, high-stakes financial harm : The delayed payoff directly threatens the complainants ability to secure a 5.26 % mortgage interest rate. \n\nIf this account can not be resolved immediately, there is a real and urgent risk that mortgage loan approval will be denied entirely. \n\nMoneyLions obstruction jeopardizes the complainants home purchase and long-term financial stability a life-changing consequence tied directly to these company-created policies.\n\nMoneyLions practices are not federally mandated. They are internally engineered barriers, applied at scale, and they raise significant concerns under : UDAAP for unfair and abusive practices FCRA 623 for furnishing accuracy and reporting consistency CFPB supervisory expectations requiring creditors to provide reasonable repayment pathways Timeline and Evidence of Events 1. Payment Obstruction Immediate Barriers to Payoff Created The complainant initially called MoneyLion on XX/XX/XXXX, to rectify a charged-off account reported on her credit file in preparation for a XX/XX/XXXX mortgage closing. \n\nIntent to settle first : The complainant first attempted to negotiate a settlement, but the representative stated that MoneyLions policy prohibits settlements.\n\nPivot to pay-in-full : The complainant immediately offered to pay the balance in full on the call instead. \nPayment plan pushed : Despite multiple refusals, the representative attempted to enroll the complainant in a payment plan three separate times.\n\nDebit card issue introduced : After agreeing to pay in full, the rep requested only the last four digits of a debit card, which the complainant no longer had due to the age of the account. \nCharged-off contradiction surfaced : The complainant stated, Im looking at my credit report, and it says this account is charged off. How is this active? No explanation was provided. \nRequest for escalation denied : The complainant asked if she could speak to the department handling charged-off accounts and was told there was no escalations department. She then requested a supervisor and was transferred. \n\n2. ACH Rejection Blocked Payments From an FDIC-Insured Bank Once transferred, the supervisor offered ACH transfer as the solution. The complainant agreed, but this attempt failed without valid cause.\n\nACH attempted twice : The complainant provided her XXXXXXXX XXXX XXXX account, an FDIC-insured, nationally chartered bank, and was told both attempts failed security clearance. \nNo explanation for security clearance : The supervisor could not explain why an FDIC-insured bank failed internal MoneyLion security.\n\nNo alternative provided : When the complainant asked what account would pass, the supervisor could not answer and suggested using a different checking account, despite knowing she only maintains one active account.\n\nComplainant attempted to comply at every step but was repeatedly blocked. \n\n3. Payment Obstruction Forced Into Inactive Platform After ACH rejection, the supervisor stated the only way to proceed was to log into the original MoneyLion platform tied to the loan.\n\nInactive platform issue : The complainant explained she no longer had access to the associated email account to log in. \nRequested email update : The complainant asked for her email to be updated. The supervisor agreed but required a one-business-day review before access could be restored. \nSupervisor repeatedly slipped, stating, We need to investigate your file I mean review, multiple times on a recorded line.\n\nSupervisor promised to manually expedite the review process so access could be granted sooner.\n\nAfter review completion, the supervisor revealed that adding a new debit card to the platform would trigger a mandatory five-business-day verification before payment could be processed. \nComplainant again attempted to comply but faced yet another delay. \n\n4. Payment Obstruction Roar Money Account Requirement The supervisor later called back and stated that in order to make payment, the complainant must open a new MoneyLion XXXX XXXX account and wait up to 710 business days for activation. \n\nComplainant refused initially, stating : I do not want another account. I want to pay this balance in full, close it, and be done. \nFacing no alternatives, the complainant reluctantly agreed to open the account solely to resolve the debt. \nBefore proceeding, the complainant requested written confirmation that she had called in good faith to pay the account in full and that MoneyLions policies and systems were blocking her from doing so.\n\nSupervisor sent an email but minimized the urgency, omitting critical facts like the complainants pending mortgage closing and repeated attempts to comply.\n\n5. Escalation to Customer Advocacy No Contact Provided After sending the email, the supervisor informed the complainant she was escalated to Customer Advocacy and would be contacted within one business day.\n\nThe complainant waited the full day and received no call, no email, and no outreach of any kind. \nOn XX/XX/XXXX, the complainant called back and requested to speak directly with Customer Advocacy, even offering to provide the case reference number. \nAfter three separate holds totaling over 45 minutes, the representative stated there is no direct line to Customer Advocacy and that she would just have to wait.\n\nThe complainant reminded them of the time-sensitive mortgage closing and warned that she would escalate the matter to the CFPB if unresolved. \nRepresentative acknowledged the warning but provided no further options or timeline for resolution. \n\n6. Contradictory Account Classification MoneyLions internal designation of the account conflicted directly with its credit bureau reporting.\n\nMoneyLion referred to the account as active while reporting it as charged-off to all three credit bureaus.\n\nWhen the complainant disputed this inconsistency during the call, no explanation was provided. \nFurnishing an account as charged-off while treating it as active to the consumer raises potential FCRA 623 violations.\n\n7. Failure to Verify Power of Attorney MoneyLion deviated from standard industry practices by bypassing power of attorney ( POA ) verification.\n\nPOA in effect since XX/XX/XXXXXXXX  : The complainants credit file has been under active management by authorized representatives for nearly a year. \nEvery other creditor verified POA status before proceeding ; MoneyLion bypassed this step entirely. \nThis inconsistency further delayed resolution and introduced additional compliance concerns. \n\n8. Recorded Admission of Internal Investigation Supervisory statements on recorded calls suggest undisclosed internal review activity tied to the account.\n\nSupervisor repeatedly referred to an investigation into the complainants file before self-correcting to review multiple times.\n\nThese statements were made on a recorded line and indicate possible undisclosed actions relevant to the account status. \n\nRegulatory Implications UDAAP ( Dodd-Frank 5531 ) : Creating avoidable, policy-driven barriers to repayment constitutes an unfair and abusive practice resulting in material consumer harm.\n\nFCRA 623 : Reporting an account as charged-off while treating it as active/open to the consumer introduces potential furnishing violations.\n\nCFPB Supervisory Standards : CFPB expects creditors to provide clear, reasonable, and timely repayment pathways. MoneyLions policies fail this standard at every level.\n\nImportant Note : As of XXXX XXXX - Customer Advocacy has still not reached out or responded in ANY way.","date_sent_to_company":"2025-09-05T19:24:19.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"782XX","tags":null,"has_narrative":true,"complaint_id":"15745185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2025-09-05T18:35:42.000Z","state":"TX","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":null},"highlight":{"complaint_what_happened":["ACH attempted twice : The complainant provided her XXXXXXXX XXXX XXXX account, an FDIC-insured, nationally chartered bank, and was told both attempts failed <em>security</em> <em>clearance</em>. \nNo explanation for <em>security</em> <em>clearance</em> : The supervisor could not explain why an FDIC-insured bank failed internal MoneyLion <em>security</em>."]},"sort":[12.755952,"15745185"]},{"_index":"complaint-public-v1","_id":"7195948","_score":11.634802,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX ( XXXX XXXX ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working XXXX hour days on the XXXX XXXX of XXXX XXXX XXXXXXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. XXXX still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.","date_sent_to_company":"2023-07-03T02:55:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52001","tags":"Servicemember","has_narrative":true,"complaint_id":"7195948","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-03T02:55:35.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which <em>only</em> exasperated my ability to handle it quickly or effectively. I almost lost my <em>security</em> <em>clearances</em> <em>multiple</em> <em>times</em> and <em>only</em> maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working XXXX hour days on the XXXX XXXX of XXXX XXXX XXXXXXXX."]},"sort":[11.634802,"7195948"]},{"_index":"complaint-public-v1","_id":"7195947","_score":11.634802,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX ( XXXX XXXX ), after settling a lawsuit for XXXX XXXXXXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX  onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & XXXX XXXX XXXX XXXX which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working 16 hour days on the XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. XXXX still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XXXX XXXX XXXX ), {$12000.00} ( XXXX XXXX XXXX  ), {$14000.00} ( XXXX XXXX XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XXXX XXXX XXXX ), & {$1900.00} ( XXXX XXXX XXXX XXXX. Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.","date_sent_to_company":"2023-07-03T02:55:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52001","tags":"Servicemember","has_narrative":true,"complaint_id":"7195947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-03T02:55:35.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This predatory and illegal behavior occurred at a time when I was overseas on XXXX & XXXX XXXX XXXX XXXX which <em>only</em> exasperated my ability to handle it quickly or effectively. I almost lost my <em>security</em> <em>clearances</em> <em>multiple</em> <em>times</em> and <em>only</em> maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working 16 hour days on the XXXX XXXX XXXX XXXX XXXX XXXX."]},"sort":[11.634802,"7195947"]},{"_index":"complaint-public-v1","_id":"7196103","_score":11.633556,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Navient ( Sallie Mae ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover Navients predatory and purposeful mismanagement. I was working 16 hour days on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. Navient still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.","date_sent_to_company":"2023-07-03T02:55:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52001","tags":"Servicemember","has_narrative":true,"complaint_id":"7196103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2023-07-03T00:29:04.000Z","state":"IA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which <em>only</em> exasperated my ability to handle it quickly or effectively. I almost lost my <em>security</em> <em>clearances</em> <em>multiple</em> <em>times</em> and <em>only</em> maintained those by paying large lump sums of money out of pocket over a satellite phone to cover Navients predatory and purposeful mismanagement. I was working 16 hour days on XXXX XXXX XXXX XXXX XXXX XXXX XXXX."]},"sort":[11.633556,"7196103"]},{"_index":"complaint-public-v1","_id":"3023014","_score":11.5410385,"_source":{"product":"Mortgage","complaint_what_happened":"I am coapplicant with exhusband on a home loan that we had obtained when we were married. There has never been a payment missed since we had the loan in 2008. My exhusband fiked bankrupcy an upon my notification of the bankruptcy Planet home lending would not take a payment from me nor allow me to make payments online or via phone automated systems. Planet wouldnt even send me a statement. I spoke to bankruptcy department many times an was advised that because they received notification of bankruptcy that I needed to talk to my lawyer in ref the account because they couldnt. After multiple failed attempts I finally got a hold of a mortgage counselor who was able to help me an apologized for what i was being told by other representatives. I was able to finally make payments an get account up to date. I was told by the mortgage counselor that i should not get a late payment an if i do to call back an they would submit to remove it. When I called back inwas told that if inwould have made the payment 2 days earlier it would not have reflected as late, but as i explained ine i couldnt an 2 i had to physically speak to someone to do it an they were closed on weekend an the XXXX fell on a Sunday.But Planet home lending still reported on my credit report as being late for the month of XXXX and XXXX when it shouldnt have because if i have no way to make a payment because they are closed an my due date falls on a Sunday they cant mark it as late because i couldnt use automated system it had to be with live representative.I am XXXX XXXX military an this late payment not only affects my security clearance but it also it affects my borrowing ability. I have never missed a payment ever an this one was clearly an error caused by the confusion of my exhusbands chapter XXXX bankruptcy. I contacted Planet hone lending an asked to speak with supervisor an was told that one would call me but never did. I also spoke with a rep an they said planet home lendings credit department stated that planet home lending did nothing wrong. I am not trying to say planet home lending is a bad company because they are not an they have taken care if me as a customer an thats why I have stayed with them for so many years. I just think that this was bad miscommunication due to the confusion of the bankruptcy an XXXX people being on loan where one did not file bankruptcy is complicated an I just hope an pray that planet home lending will continue to take care of me by fixing this critical error that could cause me my XXXX year career as an XXXX. I have reached out for a member of coporate to contact me via telephone annthey have not. I got a letter in mail but it does not include all details ... XXXX they left out calls to mortgage counselor an bankruptcy department.","date_sent_to_company":"2018-09-19T04:22:59.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"401XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3023014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PLANET HOME LENDING, LLC","date_received":"2018-09-19T00:04:47.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["affects my <em>security</em> <em>clearance</em> but it also it affects my borrowing ability."]},"sort":[11.5410385,"3023014"]},{"_index":"complaint-public-v1","_id":"11138990","_score":11.287979,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I attempted to pay off my car loan with Toyota Financial Services ( TFS ) on XX/XX/year>, by sending in a check. However, at the beginning of XXXX, I received a notification that I was behind on a loan payment. XXXX, I contacted XXXX XXXX to inquire about the situation. During my call, a representative from XXXX informed me that they had not received my check and that I needed to make a payment to avoid late fees. \n\nInitially, XXXX had informed me that they received the check, had processed my loan to a XXXX balance, and had released the lien on the title. However, about XXXX days later ( around XX/XX/XXXX ), after the check had been sent, they reestablished the loan and indicated that the payoff was not processed as originally agreed. Following this, I cancelled the check. \n\nXXXX XXXX XXXX Bank has documented evidence showing that the payment was made. It appears that there was internal miscommunication at XXXX XXXX, as XXXX department reported receiving the payment while another did not. I have made multiple attempts to reach out to XXXXXXXX XXXX  customer service through my loan account, but their response was dismissive, only stating that I was behind on my payments. They provided no further assistance or clarification. \n\nAfter this incident, I received the free and clear title to the car about XXXX weeks later, but despite this, I continued to face issues when trying to resolve the situation. I called XXXX multiple times, trying to pay off the loan for the original amount I had sent in XXXX, minus the most recent payments. However, XXXX informed me that the payoff amount had increased and they would need to seek approval to potentially forgive the additional interest. This response was unacceptable to me, as there was no guarantee they would do so, and I felt XXXX was mishandling the situation. Their actions were damaging my credit, and I lost confidence in Toyota Financial Services ' ability to resolve the issue fairly and competently. \n\nOn XX/XX/XXXX, I attempted to reach out again, but once again, I was met with unreasonable responses. XXXX insisted that I allow the check to go through their process, which could take several months. I believe this is an unfair and unreasonable delayespecially given that any legitimate car loan service should be able to process a payoff within XXXX  days. It feels like I am being extorted for the additional interest by Toyota Financial Services, which is unacceptable. \n\nI have continued to make payments in XXXX, XXXX, XXXX, and XXXX, but I am still accruing interest, which is frustrating and unjust considering the error was on XXXX 's part. Therefore, I am requesting that XXXX allow me to pay off the loan for the amount I initially attempted to pay in XXXX and waive any interest that has accrued since then due to their mistake. \n\nIf Toyota Financial Services continues to make things difficult, I will consider taking further action to regain ownership of the car without additional payments. I am questioning their legal claim to the loan or the vehicle, especially since they released the title to me. At this point, their behavior is more reminiscent of a coercive organization, not a legitimate financial service. They are preventing me from paying off my loan, damaging my credit, and jeopardizing my job due to my security clearance. \n\nI am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to help resolve this matter and to investigate how many other individuals Toyota Financial Services may be mistreating with either their incompetence or what feels like extortion.","date_sent_to_company":"2024-12-13T19:46:18.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"11138990","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-12-13T19:28:52.000Z","state":"MD","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["They are preventing me from paying off my loan, damaging my credit, and jeopardizing my job due to my <em>security</em> <em>clearance</em>. \n\nI am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to help resolve this matter and to investigate how many other individuals Toyota Financial Services may be mistreating with either their incompetence or what feels like extortion."]},"sort":[11.287979,"11138990"]},{"_index":"complaint-public-v1","_id":"7549818","_score":10.40447,"_source":{"product":"Checking or savings account","complaint_what_happened":"Account Ending XXXX Opened a new AMEX EXPRESS BANK Savings account using AMEX EXPRESS SISO credentials and used existing ACH LINKED established account to fund the account, Transferred {$1.00} dollar via ACH from these linked Then transferred {$200.00}, XXXX using AMEX stored info to Pull ACH from these other Bank accounts- I did not push the monies by Then AMEX EXPRESS BANK claimed someone else opened the account and was not opened by me, not with my authorization, due this decision AMEX EXPRESS Bank Closed the Saving Account There was no mention then or now how the monies would be sent back to me, The Account is closed or frozen, Then I was told they do not want any relationship to a business decision Then I asked how I get my monies back They told to go back to my orginating bank to ask for a reverse ACH My 3 Bank and the Priavte Client relationship in all 3 Banks say they do not have a recall process, if the money transfer was authorized, only I state it was done by Fraud, So only way to get my monies back is to make a false statement to open an enquiry I even opened ACH transfer to push monies from them which was returned Fuller Step by Step history for my CLAIM XXXX Opened a new AMEX EXPRESS BANK Saving account using existing AMEX EXPRESS SISO established credentials for the last 20+ years I funded the account via the existing established ACH payment method linked to AMEX as used to pay the above AMEX EXPRESS CRADs XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Checking Amount {$1.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Checking Amount {$1.00} I even made additional cautionary XXXX dollar payments to see that these went/came into the account properly I then added the XXXX Saving account that my wife and I have held for XXXX years XXXX this final transfer seems to have caused the issue for XXXX \" '' By selecting Continue, I authorize American Express National Bank to send two small test deposits to my identified account for account verification. I certify my identified account is a personal checking or savings account that I own, and that I am authorized to transfer funds out of the account. I certify that my account is not an irrevocable trust or a business, commercial, or fiduciary account. Please see your Deposit Account Agreement for further information. '' '' Your account ending in ( XXXX ) is linked to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Been with AMEX EXPRESS and XXXX for the past 20+ years Have 3 cards - BUSINESS PLATINUM for the past 10+ years - no-set spending limit, a Blue Chip cash {$32000.00} limit, plus a Business Cash {$10.00}, XXXX limit Have a Credit score around XXXX, XXXX XXXX I pay a premium to XXXX my credit score, activity and credit file locked, Further, have XXXX and XXXX monitoring XXXX is XXXX by XXXX for my employment verification - XXXX XXXX Further I am monitored and have to report to XXXX by my travel, and criminal records as I hold XXXX security clearance Complain on the handling of our opening a new account with AMEX EXPRESS BANK, High Yield Saving Account We transferred the funds after careful thought and care, making small XXXX transfers from our existing savings in multiple banks, all of which have held for XXXX years AMEX EXPRESS BANK, have known us since XXXX , and have held a checking account with AMEX CENTURION Bank in the past, We have held AMEX EXPRESS PLATINUM Business Card for 10+ years which I have used in my business, I hold 2 additional credit cards with them, They know us I opened the account on XXXX XXXX using the existing online profile which used for AMEX EXPRESS I have been unable to understand the correct situation that stalled FULL access to our funds which we transferred XX/XX/XXXX Internet transfer XXXX XXXX XXXXXXXX account ( XXXX ) XXXX {$190000.00} XXXX {$200000.00} XX/XX/XXXX XXXX XXXX transfer XXXXXXXX XXXX XXXXXXXX account ( XXXX XXXX XXXX {$1.00} XXXX {$3.00} XX/XX/XXXX Internet transfer XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX {$1.00} XXXX {$2.00} XX/XX/XXXX XXXX Internet transfer XXXX XXXXXXXX XXXX XXXX  ( XXXX ) XXXX {$1.00} XXXX {$1.00} They sent us a letter on XXXX XXXX saying they were closing the account as they believed it was not opened by us without our authorization The US operations of AMEX EXPRESS have no compliant process documented or explained on the website Some other operations like XXXX, XXXX, IN have a clearly defined complaint process We called them many times and were mostly told to call back when their back office would be available My wife tried calling them many times I work for XXXX XXXX XXXX, with US national security clearance and highly respective I was on travel from XXXX XXXX until XXXX XXXX and AMEX knew that as they have systems in place to know when I am travelling internationally Despite all of this I have not been to get a satisfactory answer when I called them on my return XXXX XXXX I was told the account was not closed when I called them now given a an explanation on next steps AMEX even provides a product that monitors my identity and credit rating which has been above XXXX for the past many years Also online I see this message Please contact us to make a transfer. \nDue to a security concern you arent able to make online transfers at this time. To make a transfer, please call XXXX. \n\nI called this number again I was directed to call back during business hours in EST, But I have been traveling and not able to reach anyone during hours that work my schedule Customer service had no interest in resolving the matter and even on occasion given me an address which XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, United States rather the address of their banking group which created this mess The US operations of AMEX EXPRESS have no compliant process documented or explained on the website Some other operations like XXXX, XXXX, IN have a clearly defined complaint process 1 ) What them to provide consumers the method and procedures to resolve such complaints effectively without having to write to FDIC XXXX is known your customers, but this not defined or declared But in this case, I do not know who is the bankers behind this decision in UT based bank decision I challenge the statement \" '' American Express has over 170 years of experience in putting the customer first '' ''","date_sent_to_company":"2023-09-15T00:45:17.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"92130","tags":null,"has_narrative":true,"complaint_id":"7549818","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-09-14T23:45:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["and were mostly told to call back when their back office would be available My wife tried calling them many <em>times</em> I work for XXXX XXXX XXXX, with US national <em>security</em> <em>clearance</em> and highly respective I was on travel from XXXX XXXX until XXXX XXXX and AMEX knew that as they have systems in place to know when I am travelling internationally Despite all of this I have not been to get a satisfactory answer when I called them on my return XXXX XXXX I was told the account was not closed when I called them"]},"sort":[10.40447,"7549818"]},{"_index":"complaint-public-v1","_id":"15196130","_score":10.138358,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a federally certified XXXX  XXXX  victim under the XXXX  Victims Protection Act ( 22 U.S.C. 7101 et seq. ) and the Debt Bondage Repair Act ( Public Law 117-263 ), with a formal XXXX  Victim Determination Letter issued by the XXXX XXXX Prosecutors Office . I am also in a DOJ-administered federal witness/victim protection program and relocated to Georgia for safety. \n\nIn late XX/XX/XXXX, I opened a Capital One 360 account after fully verifying my identity through Capital Ones online portal ( drivers license, Social Security number, and multi-factor text verification ). Before depositing any funds, I confirmed with Capital One representatives that there were no account issues. \n\nOn XX/XX/XXXX, I deposited three checks from XXXX XXXX XXXX related to a motor vehicle accident claim. On XX/XX/XXXX, I deposited two more XXXX checks, including large settlement payments that Capital One specifically instructed me to overnight via XXXX at my own expense. XXXX tracking confirms delivery, and Capital One sent email confirmations of receipt. \n\nOn XX/XX/XXXX, Capital One placed a fraud restriction on my account. I spoke with XXXX, a Capital One manager, who reviewed my account, confirmed my XXXX claim details, and explicitly stated there was no fraud concern. He removed the restriction the same day, stating my account was in good standing ( call recording available ). \n\nDespite no new account activity after XX/XX/XXXX, Capital One reimposed the restriction on XX/XX/XXXX, coinciding with the date my largest checks were set to clear. They refused my explicit request to return the checks before processing, stating instead that my funds would continue to earn interest. I did not request interest I requested the return of my property. \n\nOn XX/XX/XXXX, Capital One escalated the restriction, refusing to speak with me unless I appeared in person with my drivers license and Social Security card. I had just renewed my license on XX/XX/XXXX and only possess a temporary paper license ; I had also ordered a replacement Social Security card ( delivery up to 30 days ). Forcing in-person appearance is an undue burden and discriminatory under my federal victim protection status and XXXX. \n\nViolations & Legal Basis : UDAAP 12 U.S.C. 5531, 5536 Unfair, deceptive, and abusive acts : conflicting instructions, reversing prior clearance, and holding funds without lawful cause.\n\nElectronic Fund Transfer Act / Reg E 12 C.F.R. 1005 Denying access to deposited funds without required notice or due process. \n\nBreach of Contract / Bad Faith Removing restrictions, then reimposing without new justification.\n\nFCRA 605C 15 U.S.C. 1681c-2 Failure to accommodate special protections for trafficking victims.\n\nRehabilitation Act 504 & ADA Title III Discrimination by imposing physical appearance requirements despite documented XXXX and DOJ-protected status.\n\nConversion Unlawful control over my property ( refusal to return checks upon request ). \n\nRelevant Prior Legal Actions Against Capital One ( Pattern of Misconduct ) : CFPB Enforcement XXXX Capital One was ordered to pay {$210.00} XXXX in penalties and restitution for deceptive marketing and unfair account practices involving credit and banking products. \n\nCapital One Data Breach SettlemenXXXX XXXX The company paid {$190.00} XXXX to settle claims that it failed to protect consumer data, leading to account compromises and wrongful restrictions. \n\nDeposit Hold and Freeze Lawsuits Capital One has been sued multiple times in state and federal courts for wrongful account freezes, unexplained deposit holds, and delayed release of consumer funds, including Smith v. Capital One Bank ( USA ), N.A., where plaintiffs alleged unlawful retention of funds and refusal to return deposits upon request. \n\nAttachments Provided : XXXX  Victim Determination Letter from the XXXX XXXX Prosecutors Office. \n\nAll XXXX settlement letters, check stubs, and XXXX  receipts. \n\nCapital One deposit confirmations and restriction notices. \n\nRecorded call transcripts ( XXXX, XX/XX/XXXX ; Capital One staff XX/XX/XXXX with XXXX and XXXX XXXX. \n\nDOJ protection documentation and medical XXXX records.","date_sent_to_company":"2025-08-10T17:14:07.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"30005","tags":null,"has_narrative":true,"complaint_id":"15196130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-10T16:13:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, Capital One escalated the restriction, refusing to speak with me unless I appeared in person with my drivers license and Social <em>Security</em> card. I had just renewed my license on XX/XX/XXXX and <em>only</em> possess a temporary paper license ; I had also ordered a replacement Social <em>Security</em> card ( delivery up to 30 days ). Forcing in-person appearance is an undue burden and discriminatory under my federal victim protection status and XXXX."]},"sort":[10.138358,"15196130"]},{"_index":"complaint-public-v1","_id":"2260595","_score":9.492838,"_source":{"product":"Student loan","complaint_what_happened":"Please refer to Case number : XXXX, XX/XX/XXXX. I submitted this response to ECMC 's response, and I got no response. I called CFPB and was informed that the company does n't get a copy of my response, I have to submit another complaint, with the response. So, here is the response, the original complaint, Case number : XXXX, XX/XX/XXXX, is below that. ECMC 's response will be in one of the attachments. \n1. This complaint will not be resolved until there is a settled payment plan. I called the XXXX on ECMC 's response and I entered \" 1 '' for XXXX, and \" XXXX '' to enter my account number, and the system hung up on me. I tried this several times, during business hours. I need a real human to talk to get all the payment options ( especially, \" Settle in Full '' ). Can CFPB assist in getting ECMC to give me payment options, please? \n\n2. My attorney never received a copy of the Dept of Education letter ( which was n't even on government letterhead ) even though everyone was aware I have an attorney, as he was the one who requested the hearing. Again, the request for hearing is mostly to dispute ECMC 's unscrupulous credit practices dealing with me, the customer, and dispute all of the additional charges which resulted during the time they refused to correspond with my attorney. \n\n3. I would like to see the similar complaint and response filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, case # XXXX. I do not have access to this. \n4. I have an additional collections company now chasing me for my student loans. Please see attachment from XXXX. Who are these people and why do I have multiple companies chasing me for student loans? They seem to have gotten a payment for an amount similar to what was taken from my Federal Tax refund ( also attached ). \nOriginal Case number : XXXX, XX/XX/XXXX, Complaint : I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XX/XX/XXXX. The case closed in XX/XX/XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XX/XX/XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the \" Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the \" Authorization '' and another was sent on XX/XX/XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XX/XX/XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.","date_sent_to_company":"2016-12-22T19:55:33.000Z","issue":"Dealing with my lender or servicer","sub_product":"Non-federal student loan","zip_code":"84403","tags":null,"has_narrative":true,"complaint_id":"2260595","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ECMC GROUP, INC.","date_received":"2016-12-22T18:40:07.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Having problems with customer service"},"highlight":{"complaint_what_happened":["Now the defaulted loan is impacting my <em>security</em> <em>clearance</em>."]},"sort":[9.492838,"2260595"]},{"_index":"complaint-public-v1","_id":"4819756","_score":9.14609,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"n XX/XX/XXXX my application was returned due to missing/documents that needed to be updated. The letter sent to me specifically stated 30 day pay stubs and written explanation of hardship. \n\nThe hardship and written explanation had already been submitted with the original application and also the original application said that an explanation would not be needed because the home was in a declared natural disaster zone The 30 Day pay stubs had already been submitted and resubmitted as requested. I would later find out ( during a phone call in XX/XX/XXXX ) that the rejection notification was incorrect and Mr. Cooper needed 90 Days Pay stubs. \n\n\n\nOn XX/XX/XXXX my application was returned due to missing/documents that needed to be updated. The letter sent to me specifically stated 30 day pay stubs The 30 Day pay stubs had already been submitted and resubmitted as requested. I would later find out ( during a phone call in XX/XX/XXXX ) that the rejection notification was incorrect and Mr. Cooper needed 90 Days Pay stubs. \n\n\n\nOn XX/XX/XXXX and XXXX my application was returned due to missing/documents that needed to be updated. The letter stated that a Lease Agreement for Rental Properties, YTD Profit and Loss Statement and Mortgage Statements for rental properties was needed. \n\nThis was the first time I had been asked for these documents and I was in training at the time. I sent the documents in and the application was reviewed. \n\n\n\nOn XX/XX/XXXX,, XX/XX/XXXX, and XX/XX/XXXX my application was returned due to missing/documents that needed to be updated. The letter stated that a Lease Agreement for Rental Properties, YTD Profit and Loss Statement and Mortgage Statements for rental properties was needed. \n\nI called in regards to the rejection and the technician on the phone was unable to explain why the documents had been rejected. They told me that I should resubmit the documents as is. I did so. Note : 30 day pay stubs were accepted. \n\n\n\nOn XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX my application was returned due to missing/documents that needed to be updated for current lease agreements, proof of occupancy, most recent 1040s and 30 day pay stubs. \n\nThe lease agreements at this time had been accepted by other technicians however this time they were rejected for some reason I did not live in the property so I could not provide proof of occupancy I had already submitted my full tax return multiple time and each time it had been accepted. \n\n30 day pay stubs were submitted again. \n\n\n\nOn XX/XX/XXXX, XXXX, XXXX and XXXX XXXX my application was returned due to missing/documents that needed to be updated. The request this time was for an updated XXXX, Explanation of hardship, Income verification, 30 day pay stub, Current Lease ( only on the XX/XX/XXXX and XXXX rejections but the lease agreements were accepted on the XX/XX/XXXX, and XXXX notices ) The lease agreements at this time had been accepted by other technicians however this time they were rejected for some reason. I resubmitted A new XXXX was submitted ( unchanged for previous ) 30 day pay stubs were sent in again for the XX/XX/XXXX and XXXX applications. I was finally informed that I needed to have 90 day pay stubs by a representative and I submitted them. \n\nThe hardship and written explanation had already been submitted with the original application and also the original application said that an explanation would not be needed because the home was in a declared natural disaster zone. I spoke to Mr. Copper rep and they told me that it was not needed. I sent a new one in anyway. \n\n\n\nOn XX/XX/XXXX, XXXX, XXXX, and XXXX XXXX a Mr. Cooper employee Mr. XXXX told that he could assure me that I would not be reported late on my mortgage as long as I submitted the appropriate documents. Those documents were submitted on XX/XX/XXXX and I spoke to Mr. XXXX again on the XXXX to assure the documents were received and they were accurate. He assured me they were and again assured me that at no point would I be reported late. These conversations were all had on a recorded line. I was worried that something like this would happen so I was very specific about making sure that we didnt run into this issue. I am an XXXX XXXX XXXX XXXX and I can not risk having certain things on my credit because it will impact my security clearance. The above time line took place between that phone call and current date. Mr. Cooper reported my mortgage 120 days late in XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. As you see in the time line above I made EVERY POSSIBLE EFFORT to accommodate each request made by Mr. Cooper. However, due to inconsistencies within the audit process, misleading information within the missing documents notifications send, and lack of training with customer service representatives. \n\n\n\nOn XX/XX/XXXX all negative items for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were removed from my credit report. Then again on XX/XX/XXXX all of these items were reported again. Outside of on conversation in XXXX of XXXX ( which was handled ) ever customer service representative I have spoken to has been extremely professional however it is clear and evident that they are not knowledgeable in the mortgage process. This is shown by the fact that I was told multiple times to resubmit documents ( leases, pay stubs, tax forms, and hardship explanations ), however a different representative tells me that the letter and all the other reps were wrong and the actual problem is the document needs different information or additional information. \n\nDuring XXXX my loan modification was finally approved with the same documents I had been providing the entire process. Since than I have contacted Mr. Cooper at least 20 times attempting to resolve this issue. Most recently they added a late payment mark for XX/XX/XXXX bringing the total to 7 negative marks. The entire time during this process I was in the loan modification which qualifies for as a workout plan to bring the account current. The statement below is in the document attached. \n\n\" This credit reporting suspension will continue only while the Forbearance Plan is in place, but you will be reported delinquent at the conclusion of the Forbearance Plan if you do not bring the account current at that time or enter into a workout plan to bring the account current. '' Since this dispute has began I have been told multiple times by Mr. Cooper reps on the phone that the issue is either corrected, is being corrected, or I need to contact a specific specialist. The specialist I have been directed to contact are below. None of them have returned my phone calls or emails. I have called and left dozens of voice mails for each and sent at least 3 emails to each rep. \n\nMrs. XXXX XXXX, Mrs. XXXX XXXX I have also reached out to the Mr. Cooper dispute email boxes XXXX and XXXX and have gotten zero emails back outside of a generic denial or and acknowledgment of receiving the dispute. Furthermore, they have taken over 30 days with multiple disputes.","date_sent_to_company":"2021-10-20T17:28:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"363XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4819756","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-10-18T11:13:00.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["\" This credit reporting suspension will continue <em>only</em> while the Forbearance Plan is in place, but you will be reported delinquent at the conclusion of the Forbearance Plan if you do not bring the account current at that time or enter into a workout plan to bring the account current. '' Since this dispute has began I have been told <em>multiple</em> <em>times</em> by Mr. Cooper reps on the phone that the issue is either corrected, is being corrected, or I need to contact a specific specialist."]},"sort":[9.14609,"4819756"]},{"_index":"complaint-public-v1","_id":"4819732","_score":9.14609,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"n XX/XX/XXXX my application was returned due to missing/documents that needed to be updated. The letter sent to me specifically stated 30 day pay stubs and written explanation of hardship. \n\nThe hardship and written explanation had already been submitted with the original application and also the original application said that an explanation would not be needed because the home was in a declared natural disaster zone The 30 Day pay stubs had already been submitted and resubmitted as requested. I would later find out ( during a phone call in XX/XX/XXXX ) that the rejection notification was incorrect and Mr. Cooper needed 90 Days Pay stubs. \n\n\n\nOn XX/XX/XXXX my application was returned due to missing/documents that needed to be updated. The letter sent to me specifically stated 30 day pay stubs The 30 Day pay stubs had already been submitted and resubmitted as requested. I would later find out ( during a phone call in XX/XX/XXXX ) that the rejection notification was incorrect and Mr. Cooper needed 90 Days Pay stubs. \n\n\n\nOn XX/XX/XXXX and XXXX my application was returned due to missing/documents that needed to be updated. The letter stated that a Lease Agreement for Rental Properties, YTD Profit and Loss Statement and Mortgage Statements for rental properties was needed. \n\nThis was the first time I had been asked for these documents and I was in training at the time. I sent the documents in and the application was reviewed. \n\n\n\nOn XX/XX/XXXX,, XX/XX/XXXX, and XX/XX/XXXX my application was returned due to missing/documents that needed to be updated. The letter stated that a Lease Agreement for Rental Properties, YTD Profit and Loss Statement and Mortgage Statements for rental properties was needed. \n\nI called in regards to the rejection and the technician on the phone was unable to explain why the documents had been rejected. They told me that I should resubmit the documents as is. I did so. Note : 30 day pay stubs were accepted. \n\n\n\nOn XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX my application was returned due to missing/documents that needed to be updated for current lease agreements, proof of occupancy, most recent 1040s and 30 day pay stubs. \n\nThe lease agreements at this time had been accepted by other technicians however this time they were rejected for some reason I did not live in the property so I could not provide proof of occupancy I had already submitted my full tax return multiple time and each time it had been accepted. \n\n30 day pay stubs were submitted again. \n\n\n\nOn XX/XX/XXXX, XXXX, XXXX and XXXX XXXX my application was returned due to missing/documents that needed to be updated. The request this time was for an updated XXXX, Explanation of hardship, Income verification, 30 day pay stub, Current Lease ( only on the XX/XX/XXXX and XXXX rejections but the lease agreements were accepted on the XX/XX/XXXX, and XXXX notices ) The lease agreements at this time had been accepted by other technicians however this time they were rejected for some reason. I resubmitted A new XXXX was submitted ( unchanged for previous ) 30 day pay stubs were sent in again for the XX/XX/XXXX and XXXX applications. I was finally informed that I needed to have 90 day pay stubs by a representative and I submitted them. \n\nThe hardship and written explanation had already been submitted with the original application and also the original application said that an explanation would not be needed because the home was in a declared natural disaster zone. I spoke to Mr. Copper rep and they told me that it was not needed. I sent a new one in anyway. \n\n\n\nOn XX/XX/XXXX, XXXX, XXXX, and XXXX XXXX a Mr. Cooper employee Mr. XXXX told that he could assure me that I would not be reported late on my mortgage as long as I submitted the appropriate documents. Those documents were submitted on XX/XX/XXXX and I spoke to Mr. XXXX again on the XXXX to assure the documents were received and they were accurate. He assured me they were and again assured me that at no point would I be reported late. These conversations were all had on a recorded line. I was worried that something like this would happen so I was very specific about making sure that we didnt run into this issue. I am an XXXX XXXX XXXX pilot and I can not risk having certain things on my credit because it will impact my security clearance. The above time line took place between that phone call and current date. Mr. Cooper reported my mortgage 120 days late in XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. As you see in the time line above I made EVERY POSSIBLE EFFORT to accommodate each request made by Mr. Cooper. However, due to inconsistencies within the audit process, misleading information within the missing documents notifications send, and lack of training with customer service representatives. \n\n\n\nOn XX/XX/XXXX all negative items for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were removed from my credit report. Then again on XX/XX/XXXX all of these items were reported again. Outside of on conversation in XXXX of XXXX ( which was handled ) ever customer service representative I have spoken to has been extremely professional however it is clear and evident that they are not knowledgeable in the mortgage process. This is shown by the fact that I was told multiple times to resubmit documents ( leases, pay stubs, tax forms, and hardship explanations ), however a different representative tells me that the letter and all the other reps were wrong and the actual problem is the document needs different information or additional information. \n\nDuring XXXX my loan modification was finally approved with the same documents I had been providing the entire process. Since than I have contacted Mr. Cooper at least 20 times attempting to resolve this issue. Most recently they added a late payment mark for XX/XX/XXXX bringing the total to 7 negative marks. The entire time during this process I was in the loan modification which qualifies for as a workout plan to bring the account current. The statement below is in the document attached. \n\n\" This credit reporting suspension will continue only while the Forbearance Plan is in place, but you will be reported delinquent at the conclusion of the Forbearance Plan if you do not bring the account current at that time or enter into a workout plan to bring the account current. '' Since this dispute has began I have been told multiple times by Mr. Cooper reps on the phone that the issue is either corrected, is being corrected, or I need to contact a specific specialist. The specialist I have been directed to contact are below. None of them have returned my phone calls or emails. I have called and left dozens of voice mails for each and sent at least 3 emails to each rep. \n\nMrs. XXXX XXXX, Mrs. XXXX XXXX I have also reached out to the Mr. Cooper dispute email boxes XXXX and XXXX and have gotten zero emails back outside of a generic denial or and acknowledgment of receiving the dispute. Furthermore, they have taken over 30 days with multiple disputes.","date_sent_to_company":"2021-10-18T11:12:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"363XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4819732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-10-18T10:33:01.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["\" This credit reporting suspension will continue <em>only</em> while the Forbearance Plan is in place, but you will be reported delinquent at the conclusion of the Forbearance Plan if you do not bring the account current at that time or enter into a workout plan to bring the account current. '' Since this dispute has began I have been told <em>multiple</em> <em>times</em> by Mr. Cooper reps on the phone that the issue is either corrected, is being corrected, or I need to contact a specific specialist."]},"sort":[9.14609,"4819732"]},{"_index":"complaint-public-v1","_id":"21856068","_score":8.371736,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a PNC Bank customer. Between approximately late XXXX and early XXXX, my personal account was accessed without a legitimate business purpose by XXXX XXXX ( XXXX ID XXXX ), a Federal Mortgage Loan Originator at the XXXX XXXX branch in XXXX, XXXX XXXX XXXX was my partner of approximately five years at the time.\n\nIn XX/XX/XXXX, XXXX XXXX disclosed in writing via text message that PNC had identified his access to my account and issued him a final written warning. He also disclosed that PNC had specifically instructed him not to access accounts of individuals he knew personally indicating PNC was already on notice of this policy concern. The business purpose he provided to PNC for accessing my account checking my interest rate for a \" rate exception '' was not accurate. My rate exception had been processed in XX/XX/XXXX at the XXXX XXXX PNC branch by a banker named XXXX. XXXX XXXX was not working that day ; he accompanied me to the appointment as my partner. He was personally present when the rate exception was completed and had no legitimate need to \" check '' it later from the XXXX branch. \n\nXXXX XXXX also verbally disclosed to me that he had accessed my account in XX/XX/XXXX, around XXXX. He admitted that he typed in my information, viewed my transaction history, and immediately clicked out of the account. While this disclosure was verbal rather than written, it indicates that the documented XX/XX/XXXX incident was not the only unauthorized access of my account. \n\nOn XX/XX/XXXX, XXXX XXXX sent a group message via personal device to two PNC coworkers Lead Teller XXXX XXXX and banker XXXX XXXX discussing our relationship and my concerns about his interactions with those coworkers. This communication demonstrates that the unauthorized access to my account occurred in the context of overlapping personal and workplace dynamics involving multiple employees at the same branch. \n\nOn XX/XX/XXXX, I sent a written message to Lead Teller XXXX XXXX requesting that her communication with XXXX XXXX remain professional only. She attempted to contact me by phone after I declined further communication. \nOn XX/XX/XXXX, I submitted a formal complaint through the PNC customer portal ( Reference # XXXX ) requesting a privacy audit of all employee access to my account, including dates, times, user identification, and business purpose. Executive Client Relations Specialist XXXX XXXX acknowledged the complaint on XX/XX/XXXX, and I spoke with him by phone on XX/XX/XXXX. He assured me that PNC was taking this very seriously and assisted in placing a verbal password on my account. \nDespite my formal request, I received no written documentation of the investigation findings. \n\nOn XX/XX/XXXX, I contacted PNC through the secure messaging portal for a status update on Reference # XXXX. A PNC portal agent acknowledged the message and stated she had \" forwarded the details of your experience to the proper area, '' but no substantive update on the investigation status was provided. Later the same day, a separate PNC representative contacted me by phone. I do not have a record of this representative 's name. During that phone call, the representative refused to provide any information about the investigation and stated I would need a subpoena to obtain any details whatsoever. This response indicated that PNC was not willing to communicate basic procedural information about my own privacy complaint without legal compulsion. \nAfter more than 60 days without a written response from Executive Client Relations, I sent a follow-up email on XX/XX/XXXX, citing the Pennsylvania Breach of Personal Information Notification Act and requesting written confirmation of audit findings, scope of access, and whether the access complied with PNC policy . On XX/XX/XXXX, I sent additional emails attaching documentary evidence. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX responded but refused to provide any information in writing and attempted several times to continue the conversation by phone. His initial refusal cited email security concerns ; when I offered to receive the response through PNC 's own secure message portal, this was also declined without explanation. \n\nAs of XX/XX/XXXX, XXXX XXXX XXXX shows XXXX XXXX remains actively authorized to represent PNC at the XXXX XXXX branch. \n\nAs of the date of this complaint, PNC has not provided a written accounting of who accessed my account, whether the access was authorized, whether my information was improperly used, or what corrective actions were taken. \n\nI am requesting a full written audit of all employee access to my account and confirmation of whether any policy violations occurred. Given XXXX XXXX 's verbal admission of the XX/XX/XXXX access, I am also requesting confirmation of whether the audit covered all access to my account, not only the XX/XX/XXXX incident PNC initially flagged. \n\nXXXX XXXX also told me that the reason he was flagged in XX/XX/XXXX was because we shared the same address at the time. If PNC 's controls only flag access when an address match is detected, this raises serious concerns about the adequacy of PNC 's access control framework. Why wasn't the XX/XX/XXXX access flagged when we also shared an address at that time? I work professionally in cybersecurity and compliance, and underwent a 6C public trust clearance investigation in order to access sensitive customer data in my own role. The apparent reliance on address-based access flagging as a primary control falls well below the standards expected for protecting non-public personal information. The average bank employee should not have easier access to a customer 's full financial information than a cleared professional has to data under formal background investigation procedures.\n\nI have since changed my address on my account, but I have no confidence that PNC has implemented sufficient controls to prevent further unauthorized access by the individuals named in this complaint.\n\nBecause of PNC 's handling of this matter, after being a PNC customer for six years, I have begun the process of migrating all of my finances to XXXX XXXX. Every day I check my PNC app and wonder who can see my information, because PNC has not taken my complaints or my evidence seriously enough to provide me with any written confirmation that my account is secure.","date_sent_to_company":"2026-05-04T16:48:06.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"186XX","tags":null,"has_narrative":true,"complaint_id":"21856068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-05-04T15:36:29.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["This communication demonstrates that the unauthorized access to my account occurred in the context of overlapping personal and workplace dynamics involving <em>multiple</em> employees at the same branch. \n\nOn XX/XX/XXXX, I sent a written message to Lead Teller XXXX XXXX requesting that her communication with XXXX XXXX remain professional <em>only</em>. She attempted to contact me by phone after I declined further communication."]},"sort":[8.371736,"21856068"]},{"_index":"complaint-public-v1","_id":"2764319","_score":6.373465,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello, I 'm a military service member currently serving overseas in XXXX, XXXX who made a huge mistake and now is a victim of fraud and being brutally scammed. Back in May of this year I received a message via facebook messenger from a woman who was asking if I needed help paying off my debt or making extra income. I ignored the message for quite some time and then when XXXX rolled around I had actually been about {$800.00} in debt and was a little desperate and frustrated so I went back and got more information on the process. She lead me to her \" boss '' who goes by the name XXXX XXXX XXXX. Him and I messaged back and forth about the process and I took the risk and that 's when things went down hill. Now before I confuse you, let me mention that this male is promoting himself on XXXX and telling service members he can help pay off their debt and make extra income. This has also happened to another service member within my company a few months back by this same male, XXXX XXXX XXXX. From the evidence I have, XXXX is currently in the states in Illinois. \nAround the last week of XXXX was when all of this took place. XXXX messaged me and told me he could help me pay off my debt and I so the first thing he did was ask for my log in to check out what exactly I needed paid off. That 's where I was oblivious to the fact that he was actually in my account now. The first thing he had me do was make a transfer of {$1900.00} from my XXXX XXXX  account to XXXX XXXX. He had put the {$1900.00} into my checking account himself and that 's how I got the money to make that transfer. He told me that the money was going to his \" security clearance '' and that 's how we paid them so that they would help him, help me pay off my debt. He made me send it as a cash pickup. After this transfer was made he had me making these huge transfers of money everyday for almost 4 days straight. When i was making these transfers he was giving me names to send the money to and the location of wherThe reason I think I had been brainwashed was because he was n't taking any of my own personal money through the process and on XXXX XXXX he cleared out my debt for me and said the process was complete. I could n't believe that it actually happened at the time until the next morning of XXXX XXXX, I woke up to alittle over {$9000.00} in debt. There was about {$5000.00} In my credit and he put a XXXX XXXX XXXX loan into my account of {$4000.00} that I did not sign for or take out. I then realized I made the huge mistake and was being scammed. I messaged him multiple times asking what happened and the moment I told him I was going to report him, he blocked me on XXXX and I had no access of getting ahold of him anymore. I immediately went to the XXXX XXXX XXXX on my base as soon as I got off work and reported the situation. We went on my account and did a fraud claim on my credit and also on the loan and sent it up to the security department of XXXX XXXX to investigate my account. We changed all of my passwords and usernames and refreshed my whole account. My credit card and my debit card were both destroyed that same day and I was given a brand new Debit Card, but did n't get a new credit card until we heard further into the investigation just to be safe. We came to the conclusion that he was putting fake money into my account and receiving the real cash when he would pick it up from XXXX XXXX, which is how he scams people and makes all of his money. I also went to the military police on base and made a police report and also called XXXX to talk to an Agent and open up an investigation to get more help. I also got in contact with XXXX XXXX to ask about the make who picked up the cash and they were able to track down the confirmation numbers on those pickups. So with that being said I have 4 different confirmation numbers written down and a case number to report to the local police department for further investigation on the male. \nXXXX XXXX, I looked back into my account and saw that {$410.00} was put on my credit card and all of the purchases were made in XXXX and XXXX. I did not have a credit card at this time because they destroyed it and It. I immediately went back to the XXXX XXXX XXXX on my base and reported another fraud claim. \nXXXX XXXX, they adjusted my account of all the fraud on my credit card and took it off of my account. \nXXXX XXXX, I received an email that said they DENIED my loan and are now making me liable of money that is n't mine and a loan that I gave no permission to take out. \n2 days later on XXXX XXXX, I look back on my account and saw that another {$5000.00} loan was put under my name in my account. Again, I immediately went to the branch and reported the fraud and filled out a fraud claim that was sent to the security and loan department, XXXX XXXX, I still have n't heard anything back from XXXX XXXX at this point and went back to check my account again and saw that XXXX XXXX had reversed all the money they adjusted on my account and are making me liable for the fraud that was made in XXXX, plus the money that I was scammed on from XXXX XXXX XXXX. Now they are making me liable for almost {$10000.00} worth of money that is n't mine and that was impossible for me to even have considering I did n't even have a credit card for a whole month when he fraud was taking place. The same day I emailed XXXX XXXX through Emessage and sent 3 different emails considering my case of my Credit Card fraud and each Loan. XXXX XXXX has yet to reply back nor even read my messages and it is almost the end of XXXX. I am now paying almost {$400.00} of debt that is n't mine nor that I can barley afford because XXXX XXXX does n't want to communicate with me and wants to deny everything against me and make me liable of something I did n't do. \nAlso on XXXX XXXX, it was only the 2nd time I heard from my Agent from XXXX who took on my case and was basically told that they could n't do anything else for me because I gave out my information and they are saying that I basically gave this guy permission into my account. But I never gave him permission to scam me or take loans out under my name. I made a huge mistake that I 'm now learning from and regardless this still is a scam and a huge mess of fraud. \nXXXX XXXX, I went back to XXXX XXXX branch to ask if it was possible to do a loan consolidation on my credit and 2 loans so that it would be easier for me to pay since XXXX XXXX wants to make me liable. I called the loan department from the branch phone and they said they would be able to do that for me considering my situation. The next day I go back into the branch to get an email that says they DENIED MY LOAN CONSALIDATION. Now XXXX XXXX has denied me twice for something I did n't do and still has yet to contact me on any information. This process has been going on for almost 3 months now and nothing has been positive about it. I have went broke, been overdue on my own bills and am being forced to pay on this money that is n't mine and its slowly ruining my credit score because I can barley afford to pay it monthly. \nXXXX XXXX, I went to the XXXX XXXX XXXX and talked to a financial counselor because I was out of options and help at this point and she helped me out a lot and recommended this website and to report my complaint and my story to get more help. And lastly, on this day that I was sitting with my counselor we were looking back on my account and the evidence I have and noticed a account under my name at XXXX XXXX in XXXX XXXX, California, that XXXX had made under my name when he was in my account at the time in XXXX. I was not aware of this until the day I had talked to my financial counselor and I am making the call to XXXX XXXX to explain my situation and hope that they will understand and cancel that account. At this point I am completely drained and hopeless but I have yet to give up on finding resources. All that I want is to feel like XXXX XXXX is on my side and would actually take this seriously because I feel completely blown off by everyone and have no hope and just need help on what I 'm supposed to do from here on out. PLEASE HELP?","date_sent_to_company":"2017-12-26T11:10:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2764319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2017-12-26T09:16:59.000Z","state":"AP","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I messaged him <em>multiple</em> <em>times</em> asking what happened and the moment I told him I was going to report him, he blocked me on XXXX and I had no access of getting ahold of him anymore. I immediately went to the XXXX XXXX XXXX on my base as soon as I got off work and reported the situation. We went on my account and did a fraud claim on my credit and also on the loan and sent it up to the <em>security</em> department of XXXX XXXX to investigate my account."]},"sort":[6.373465,"2764319"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":27,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":27}]}},"product":{"doc_count":27,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Checking or savings 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