{"took":110,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":135,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21482279","_score":22.255754,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Against Bank of America , N.A . \nIssue : Unauthorized ACH Transfers/ Failure to Protect Deposited Funds Amount at Issue : Approximately {$8000.00} Summary of Complaint Bank of America , N.A . failed to implement and maintain reasonable information security, customer data protection, and fraud detection controls, which directly resulted in multiple unauthorized ACH transactions being fraudulently withdrawn from my checking account. Despite timely reporting, Bank of America has failed to reimburse me for approximately {$8000.00} in stolen funds, causing significant financial harm.\n\nDescription of What Happened My Bank of America checking account was compromised due to Bank of Americas failure to adequately protect my account and monitor for fraudulent activity. A single perpetrator was able to initiate multiple unauthorized ACH transfers, in rapid succession, to the same payee. These transactions were executed without my knowledge, authorization, or consent. \n\nAt no point did Bank of America : - Notify me of suspicious or anomalous transaction activity, - Intervene to suspend or block the transactions, or - Apply basic velocity controls or ACH fraud safeguards that are standard within the banking industry. \n\nThese transactions occurred openly and repeatedly, demonstrating a total breakdown in Bank of Americas fraud monitoring and customer protection systems. The first and only notification I received of this activity was when my account has withdrawn.\n\nFailure of Information Security and Customer Data Protection Bank of America holds itself out as a financial institution capable of safeguarding customer funds and sensitive financial data. In this instance, Bank of Americas information security and customer data protection programs failed. Unauthorized access to my account was possible, and once compromised, the account remained vulnerable long enough for multiple fraudulent transfers to be completed.\n\nThis failure constitutes a breakdown in Bank of Americas obligations to implement reasonable administrative, technical, and operational safeguards to protect consumer accounts.\n\nFailure of Fraud Detection and ACH Controls The unauthorized activity exhibited obvious fraud indicators, including : - Multiple ACH transfers occurring in a short period of time, - Transfers sent to the same payee, - Transaction behavior inconsistent with my historical account usage.\n\nAny reasonable ACH monitoring system employing standard velocity limits, anomaly detection, or transaction pattern analysis should have flagged and prevented this activity. Had Bank of America implemented effective fraud detection controls, the theft would have been interrupted early, and my financial losses would have been negligible. \nInstead, Bank of America allowed the perpetrator to continue withdrawing funds unchecked. \n\nResulting Harm As a direct and proximate result of Bank of Americas failures : - Approximately {$8000.00} was fraudulently removed from my checking account.\n\n- I am unable to meet existing financial obligations. \n- I have suffered financial hardship caused solely by Bank of Americas failure to safeguard funds I entrusted to them.\n\n- Bank of America has failed to reimburse the stolen funds timely despite the transactions being unauthorized.\n\nBank of Americas Responsibility Bank of America was the entity that : - Controlled the account infrastructure, - Processed the ACH transactions, - Failed to detect and prevent repeated fraudulent withdrawals, and - Allowed the continued removal of my funds after clear fraud indicators were present.\n\nThe loss was caused by Bank of Americas deficient fraud prevention framework, not by any wrongdoing or negligence on my part.\n\nRequested Resolution I respectfully request that the Consumer Financial Protection Bureau : - Require Bank of America to immediately reimburse me for the full amount of unauthorized withdrawals ( approximately {$8000.00} ).\n\n- Investigate Bank of Americas ACH transaction monitoring, velocity controls, and fraud detection systems that allowed repeated unauthorized transfers.\n\n- Require Bank of America to assess and strengthen its customer data protection and fraud prevention programs to prevent similar consumer harm.\n\nClosing Statement Consumers are entitled to rely on financial institutions to protect deposited funds through reasonable security and fraud control measures. Bank of America failed to meet this obligation and has improperly shifted the financial consequences of its failures onto me. CFPB intervention is necessary to ensure reimbursement and to prevent recurrence.","date_sent_to_company":"2026-04-22T14:47:36.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30506","tags":"Servicemember","has_narrative":true,"complaint_id":"21482279","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-22T14:34:21.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["Failure of Information <em>Security</em> and <em>Customer</em> <em>Data</em> <em>Protection</em> Bank of <em>America</em> holds itself out as a financial institution capable of safeguarding <em>customer</em> funds and sensitive financial <em>data</em>. In this instance, Bank of <em>Americas</em> information <em>security</em> and <em>customer</em> <em>data</em> <em>protection</em> programs failed. Unauthorized access to my account was possible, and once compromised, the account remained vulnerable long enough for multiple fraudulent transfers to be completed."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[22.255754,"21482279"]},{"_index":"complaint-public-v1","_id":"2672445","_score":20.791004,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a massive data breach affecting 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what data they gather or store, as it is basically impossible to function in modern society without credit ). \n\nIt has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit. Americans should not have to pay to freeze their credit, especially given the potentially catastrophic impact this breach could have on an individual 's finances. Also, credit reporting firms ( XXXX and XXXX included ) should not be exploiting this breach to market their credit protection services. \n\nXXXX XXXX XXXX","date_sent_to_company":"2017-09-13T20:11:43.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"98107","tags":null,"has_narrative":true,"complaint_id":"2672445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T19:48:35.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Equifax had a massive <em>data</em> breach affecting 140M+ <em>Americans</em> on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information <em>security</em> and their <em>customers</em>* ( *Nobody has any choice about what <em>data</em> they gather or store, as it is basically impossible to function in modern society without credit )."],"issue":["Credit monitoring or identity theft <em>protection</em> services"]},"sort":[20.791004,"2672445"]},{"_index":"complaint-public-v1","_id":"1923029","_score":20.714817,"_source":{"product":"Credit card","complaint_what_happened":"Bank of America ( BofA ) just assigned a new account number, as there was a \" data compromise at a merchant where you do business ''. BofA customer service representative state that the Bank does not know which merchant 's data protection measures were inadequate. Apparently, the XXXX organization does not report that to BofA. XXXX simply reports the account numbers that were - or may have been - compromised. My question is simply. Can CFPB compel XXXX to disclose to cardholders the name of a merchant, whose inadequate data security led to the account compromise? I want this information, as I do not want to do business with any company, that has inadequate data protection measures. I have no concerns about financial liability for any fraud : the law shields me. I simply want to be able to re-direct my business away from those, who do not grasp the paramount importance of data security.","date_sent_to_company":"2016-05-12T22:09:54.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"030XX","tags":"Older American","has_narrative":true,"complaint_id":"1923029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-05-12T22:09:53.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Bank of <em>America</em> ( BofA ) just assigned a new account number, as there was a \" <em>data</em> compromise at a merchant where you do business ''. BofA <em>customer</em> service representative state that the Bank does not know which merchant 's <em>data</em> <em>protection</em> measures were inadequate. Apparently, the XXXX organization does not report that to BofA. XXXX simply reports the account numbers that were - or may have been - compromised. My question is simply."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[20.714817,"1923029"]},{"_index":"complaint-public-v1","_id":"14702665","_score":19.473448,"_source":{"product":"Checking or savings account","complaint_what_happened":"TO : Consumer Financial Protection Bureau RE : XXXX XXXX XXXX Bank of America for Unauthorized Account Access and Data Breach Related To Complaint XXXX I am submitting a formal complaint against Bank of America concerning unauthorized access and alteration of my personal banking information. This breach directly implicates XXXX  XXXX XXXX failure to secure my account and prevent unauthorized third-party access, specifically involving an email address belonging to XXXX XXXX ( XXXX ) being added without my knowledge, consent, or authorization. \nOn XX/XX/XXXX, I discovered this unauthorized secondary email was added to my Bank of America account on XX/XX/XXXX. I have never authorized XXXX XXXX or any representative to access, modify, or receive communications related to my account. Bank of America failed to provide any explanation, justification, or remedial action beyond instructing me to delete the unauthorized email after I reported it. \nDespite my prompt reporting, Bank of America demonstrated gross negligence by allowing this breach to persist undetected for nearly XXXX months. This incident reveals serious systemic failures in their data security protocols, customer account protections, and internal monitoring systems. \nLEGAL VIOLATIONS : XXXX  XXXX XXXX conduct constitutes multiple statutory violations including but not limited to : XXXX. Violation of the XXXX XXXX XXXX XXXX ( 12 U.S.C. 5531, 5536 ) for unfair, deceptive, or abusive acts or practices allowing unauthorized access. \nXXXX. Violation of the XXXX XXXX ( XXXX XXXX. XXXX XXXX XXXX ) for failure to implement adequate safeguards to protect consumer financial data. \nXXXX. Negligence in cybersecurity governance resulting in unauthorized access and potential harm to consumer privacy and financial security. \nXXXX. Breach of fiduciary duty to maintain the confidentiality and integrity of customer information. \nBACKGROUND AND CONTEXT : I re-enrolled in XXXX  XXXX XXXX online banking in XXXX after the bank accidentally disenrolled me. At no point during this process or afterward did I authorize or consent to the addition of any third-party email address. This unauthorized change was discovered only after I received a suspicious email today XX/XX/XXXX purportedly from Bank of America and verified my account information directly. Per the customer service rep she confirmed no emails had been sent from their department today. \nXXXX  XXXX XXXX failure to detect or prevent this unauthorized access, and its inability to provide any meaningful explanation or internal investigation, constitutes a fundamental breach of trust and security obligations owed to me as a customer. \nThis matter is urgent and demands the full investigative authority of the CFPB. I stand ready to provide all supporting documentation, including screenshots, correspondence, and detailed statements. \nPRIOR HISTORY OF MALFEASANCE : XXXX XXXX XXXX XXXX has a well-documented history of consumer fraud, professional misconduct, and regulatory scrutiny. XXXX, XXXX, and various forums host consumer complaints alleging financial harm, unauthorized legal representation, and identity tampering. XXXX consumer explicitly claimed that XXXX unlawfully accessed their Bank of America account, mirroring the exact pattern in my complaint. Additionally, the XXXX  Supreme Court has imposed disciplinary sanctions against principals at this firm for violations of legal ethics and client abandonment. \nI am therefore requesting that the Consumer Financial Protection Bureau initiate a formal investigation into the following : XXXX. How someone associated with this email XXXX was inserted into my private Bank of America profile without my knowledge or consent. \nXXXX. Whether XXXX XXXX or any of its agents engaged in data manipulation, identity fraud, or unauthorized surveillance of consumer accounts. \nXXXX. Whether any breach or internal negligence at Bank of America enabled this infiltration. \nXXXX. Whether this incident correlates with other complaints submitted to federal or state agencies concerning XXXX XXXX conduct and access to consumer financial data. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-17T01:39:38.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"14702665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-17T00:53:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["Despite my prompt reporting, Bank of <em>America</em> demonstrated gross negligence by allowing this breach to persist undetected for nearly XXXX months. This incident reveals serious systemic failures in their <em>data</em> <em>security</em> protocols, <em>customer</em> account <em>protections</em>, and internal monitoring systems. \nLEGAL VIOLATIONS : XXXX  XXXX XXXX conduct constitutes multiple statutory violations including but not limited to : XXXX."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[19.473448,"14702665"]},{"_index":"complaint-public-v1","_id":"13972558","_score":19.417538,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/year>, I reached out to American Express to request enrollment in their financial hardship program due to temporary financial difficulties. my financial struggles arose because i took a leave of absence from my XXXX  XXXX work to care for my sick  husband which affected my ability to keep up with payments. \n\nDuring my conversation with an American Express customer service representative, i explained my situation and was assured that hardship assistance was available. however, despite these assurances, no payment options were provided and instead my account was later transferred to an offshore creditor without proper notification or explanation. \n\ni later received a letter from XXXX XXXX, an external collection agency working on behalf of American Express. However, American Express never directly communicated an official hardship program before outsourcing my debt. This raises concern about : misrepresentation of available hardship options. \nfailure to provide reasonable payment alternatives before sending the account to offshore collections data security risks associated with sharing my financial information, including my social security number with a non-US entity. \nI request, that the Consumer Financial Protection Bureau investigate American Express 's handling of hardship requests and debts transfers to offshore creditors. Additionally, i seek confirmation on where my financial data was sent and why i was denied a hardship solution after being told i qualified.","date_sent_to_company":"2025-06-10T00:30:08.000Z","issue":"Struggling to pay your bill","sub_product":"General-purpose credit card or charge card","zip_code":"10466","tags":null,"has_narrative":true,"complaint_id":"13972558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-06-09T23:47:54.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company won't work with you while you're going through financial hardship"},"highlight":{"complaint_what_happened":["I request, that the Consumer Financial <em>Protection</em> Bureau investigate <em>American</em> Express 's handling of hardship requests and debts transfers to offshore creditors. Additionally, i seek confirmation on where my financial <em>data</em> was sent and why i was denied a hardship solution after being told i qualified."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[19.417538,"13972558"]},{"_index":"complaint-public-v1","_id":"8007321","_score":18.273643,"_source":{"product":"Credit card","complaint_what_happened":"I the creditor/consumer and natural person was denied credit by American Express when I applied for a American Express gold card. I countered there offer to extend credit to me the applicant/creditor, applicant defined in [ 12 CFR 1002.2 ]. \n\nPer [ UCC section 1-201 ( 13 ) ] and [ 15 USC 1602 ( g ) ], I am defined as the creditor and my social security number, which is a credit card per [ 15 USC 1602 ( l ) ] and pursuant to section [ 1602 ( n ) ], I am the card holder. The law clearly conveys that banks can not lend there own money as there is no lawful money in circulation and debts can only be paid in gold or silver. Per Article 1, Section 10 of the U.S Constitution, stating that \" No State shall make any Thing but gold and silver Coin a Tender in Payment of Debts. '' And your banking institution is creating credit based upon the consumers signature, taking consumers promise as obligations of the U.S., taking it to the U.S Treasury and then giving consumers their own credits. So pursuant to [ 15 USC 1691 ( a ) ( 3 ) ], I in good faith exercised my right under the CCPA, only to face unjust discrimination of extension of my own credit, a clear violation of [ 15 USC 1691 ( a ) ].\n\nWhen I provided American Express with my social security number and name that in turn made it a security and the inquiry appearing on my consumer report is evidence that someone got paid. So I hereby put your organization on notice and would like to inform you that I never gave consent to this reporting. This report being furnished by you on my behalf. So I am holding you liable under the Gramm Leach Bliley Act. And I am hereby rescinding your companies right to sale my security to a third party. \n\nAdverse Action against a consumer is 100 % against the law according to the Equal Credit Opportunity Act which is codified in [ 15 USC 1691 ( a ) ] and [ 12 CFR 1002 ] and in pursuant to civil liability under [ 15 USC 1692 ( k ) ]. \n\nYou are subject to criminal liability for violating 15 USC 1691 ( a ) as I have proof that I was discriminated against by American Express due to the response I received. \n\nFurthermore, because my social security number/credit card was used and I received no benefit, this is proof of fraudulent activity, unauthorized use of a credit card on behalf of American Express .\n\nYour trust indenture, as outlined, appears to involve securities fraud by lack of proper disclosure to consumers as well as other clear violations of sharing my non public information to third parties without my consent, it reads as follows ; The Company periodically securitizes Card Member receivables and loans arising from its card business, including Card Member loans and receivables XXXX, through the transfer of those assets to securitization trusts. The trusts then issue debt securities to third-party investors, collateralized by the transferred assets. \nCard Member receivables are transferred to the American Express Issuance Trust II ( the Charge Trust ). Card Member loans are transferred to the American Express Credit Account Master Trust ( the Lending Trust, collectively the Trusts ). The Trusts are consolidated by American Express Travel Related Services Company , Inc. ( TRS ), which is a consolidated subsidiary of the Company. The Trusts are considered VIEs as they have insufficient equity at risk to finance their activities, which are to issue debt securities that are collateralized by the underlying Card Member receivables and loans. Details on the principles of consolidation can be found in the summary of significant accounting policies ( refer to Note 1 ). I would like to point out that this is in fact securities fraud. Proper disclosure is not provided to unsuspecting consumers. \n\nOur regulators, including regulatory examiners, are increasingly focused on ensuring that our privacy, data protection and information security-related policies and practices are adequate to inform customers of our data collection, use, sharing and/or security practices, to provide them with choices, if required, about how we use and share their information, and to safeguard their personal information in accordance with applicable privacy, data protection and information security laws. \n\nIn the United States, certain of our businesses may be subject to the privacy, disclosure and information security provisions of the Gramm-Leach-Bliley Act ( GLBA ) and its implementing regulations and guidance. Among other things, the GLBA imposes certain limitations on the ability of a financial institution to share consumers nonpublic personal information with nonaffiliated third parties ; requires that a financial institution provide certain disclosures to consumers about its data collection, sharing and security practices and affords customers the right to opt out of the institutions disclosure of their personal financial information to nonaffiliated third parties ( with limited exceptions ), and requires the financial institution to develop, implement and maintain a written comprehensive information security program containing safeguards that are appropriate to the financial institutions size and complexity, the nature and scope of the financial institutions activities and the sensitivity of customer information processed by the financial institution. \n\nFair Credit Reporting The FCRA regulates the disclosure of consumer credit reports by consumer reporting agencies and the use of consumer credit report information by banks and other companies. Among other things, FCRA places restrictions ( with limited exceptions ) on the sharing and use of certain personal financial and creditworthiness information of our customers with and by our affiliates. The FCRA was significantly amended by the enactment in 2003 of the FACT Act. The FACT Act requires any company that receives information concerning a consumer from an affiliate, subject to certain exceptions, to permit the consumer to opt out from having that information used to market the companys products to the consumer. We have implemented various mechanisms to allow our customers to opt out of affiliate sharing and of marketing by the Company and our affiliates, and we continue to review and enhance these mechanisms to ensure compliance with applicable laws, rules and regulations and a favorable customer experience.","date_sent_to_company":"2023-12-16T04:16:13.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"28390","tags":null,"has_narrative":true,"complaint_id":"8007321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-12-16T03:52:48.000Z","state":"NC","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Our regulators, including regulatory examiners, are increasingly focused on ensuring that our privacy, <em>data</em> <em>protection</em> and information <em>security</em>-related policies and practices are adequate to inform <em>customers</em> of our <em>data</em> collection, use, sharing and/or <em>security</em> practices, to provide them with choices, if required, about how we use and share their information, and to safeguard their personal information in accordance with applicable privacy, <em>data</em> <em>protection</em> and information <em>security</em> laws."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[18.273643,"8007321"]},{"_index":"complaint-public-v1","_id":"10779753","_score":17.58629,"_source":{"product":"Credit card","complaint_what_happened":"Ref : XXXX I am filing this complaint to request a formal reconsideration of my recent credit application denial by American Express , as I believe this decision may conflict with the company 's fiduciary obligations and public commitments under federal securities law. American Expresss reliance on securitization trusts and customer receivables, as disclosed in its SEC filings, implies that each account holders contributions are material to its financial operations. Given my qualifications as an applicant, I respectfully request that American Express reconsider its decision, based on the regulatory and fiduciary considerations outlined below. \nAmerican Expresss XXXX and XXXX filings reveal that the company relies heavily on customer receivables as part of its securitization strategy, specifically through structures like the American Express Credit Account XXXX XXXX and XXXX XXXX XXXX. These securitization trusts are funded by receivables generated from active customer accounts, then offered on the secondary market to investors. Given that each new receivable supports these trust assets and contributes to American Expresss securitization strategy, a qualified applicants account can be viewed as directly supporting the companys financial obligations to investors. \nUnder the Trust Indenture Act of 1939, companies like American Express are required to exercise a duty of care and maintain responsible asset management in regard to these securitization vehicles. I believe that denying my application, despite my qualifications, could be inconsistent with these fiduciary duties, as it reduces the receivables pool upon which trust investors depend. You can reference these parts XXXX. **Form XXXX ( Annual Report ) ** - **Item 1 : Business** - This section describes the company 's business model, including its revenue sources, products, and services. American Express may detail its credit products, customer receivables, and securitization activities. \n- **Item XXXX : Managements Discussion and Analysis of Financial Condition and Results of Operations XXXX XXXX XXXX XXXX ) ** - This section often includes information on the companys securitization strategy, use of trusts, and how customer receivables contribute to overall financial health. Managements analysis here can provide insight into how receivables are structured within its asset-backed securities. \n- **Item XXXX : Financial Statements and Supplementary Data** - The financial statements often include details on accounts receivable and securitized receivables, as well as footnotes explaining securitization trusts. This data can support your argument regarding the importance of customer receivables in American Expresss financial strategy. \n- **Item XXXX : Controls and Procedures** - This section reviews the companys internal controls and adherence to regulatory requirements. It may contain information about the procedures in place to manage assets responsibly, which is relevant to fiduciary obligations under the Trust Indenture Act. \n- **Risk Factors ( Often in Item XXXX ) ** - This section identifies potential risks to the company, including those related to its securitization practices. Any risks associated with trust receivables or credit quality could underscore the importance of maximizing receivables. \nXXXX. XXXX XXXX ( Current Report ) ** - **Item XXXX : Entry into a Material Definitive Agreement**- This may include agreements related to securitization, asset-backed financing, or trust creation. Specific details here can provide insight into the obligations American Express has toward investors in its receivables-backed securities. \n- **Item XXXX : Other Events** - This item is often used for additional disclosures that may include updates or changes in securitization strategies, asset management practices, or other pertinent fiduciary concerns. It may highlight recent changes or developments that support your case.\n\n3. **Securitization Trust Filings ( e.g., Prospectuses and Registration Statements ) ** - American XXXX securitization trusts, such as the XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, may have individual filings related to their asset-backed securities offerings. These can include : - **Prospectuses** filed under Form XXXX or related forms, detailing the structure of the trusts, expected performance of receivables, and investor protections. \n- **Indenture Agreements and Pooling Agreements**, which outline fiduciary obligations for asset management within the trusts.","date_sent_to_company":"2024-11-14T02:42:02.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"225XX","tags":null,"has_narrative":true,"complaint_id":"10779753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-11-14T02:04:12.000Z","state":"VA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Managements analysis here can provide insight into how receivables are structured within its asset-backed <em>securities</em>. \n- **Item XXXX : Financial Statements and Supplementary <em>Data</em>** - The financial statements often include details on accounts receivable and securitized receivables, as well as footnotes explaining securitization trusts. This <em>data</em> can support your argument regarding the importance of <em>customer</em> receivables in <em>American</em> Expresss financial strategy."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[17.58629,"10779753"]},{"_index":"complaint-public-v1","_id":"2667651","_score":17.43566,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My personal information was \" likely '' hacked and stolen while stored by credit reporting company Equifax. I say \" likely '' because that is the canned response given to me by Equifax that apparently every person who inquired about whether their information was stolen also received. Not only am I appalled that a credit reporting company stored my personal data in a manner that permitted such a wide-scale hack, but Equifax 's response has been horrid and indicates a total failure to address the core security infrastructure that enabled this hack to occur. Namely : XXXX The company can not tell me or other consumers whether our data has been breached. Thus Equifax has admitted its total lack of knowledge as to whether the company has inappropriately used or released my personal data to third parties. And this lack of certainty prevents me from adequately monitoring and protecting my own credit - a task at which Equifax has utterly failed. \nXXXX The company has established a cumbersome two-step process to file for credit monitoring services, which is time-consuming and appears designed to winnow out customers entitled to assurances that their data is secure. Further, that site 's security certificate was recognized as compromised by my browser, which means that the company still has not taken requisite steps to ensure encrypted communications in the wake of a giant data breach. \nXXXX The company is assigning PINs that accompany credit freezing requests that are not randomly generated, thus compounding the security risks in the existing hack. Based on evidence that these PINs simply provide another easily hackable path to my personal data, I have not sought such protection - protection to which I believe I am entitled as a consumer whose data has been breached - out of concern that doing so actually deepens my ID theft risk. \n\nIn short, Equifax 's business model relies on one thing : keeping data secure. It is clear that its policies have not placed consumer privacy at the forefront of their business model, and that failure has led to the exposure of my and millions of other American 's personal data. Furthermore, their inadequate and technologically-compromised response to the hack demonstrates a continued lack of responsibility for the security failures that led to the hack, and a lack of commitment to protecting consumers ' financial privacy.","date_sent_to_company":"2017-09-11T16:50:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11215","tags":null,"has_narrative":true,"complaint_id":"2667651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T15:27:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX The company is assigning PINs that accompany credit freezing requests that are not randomly generated, thus compounding the <em>security</em> risks in the existing hack. Based on evidence that these PINs simply provide another easily hackable path to my personal <em>data</em>, I have not sought such <em>protection</em> - <em>protection</em> to which I believe I am entitled as a consumer whose <em>data</em> has been breached - out of concern that doing so actually deepens my ID theft risk."]},"sort":[17.43566,"2667651"]},{"_index":"complaint-public-v1","_id":"15513894","_score":17.343563,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/year> VIA CFPB XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX Re : Ongoing Dispute Unauthorized Account / Data Breach CFPB XXXX No : XXXX & XXXX Complainant : XXXX XXXX To Whom XXXX XXXX XXXX XXXX I am appalled at American Express continued failure to comply with the law regarding my disputes. Even more shocking, in their XX/XX/year> letter, they sent me confidential account details belonging to another consumer ( XXXX XXXX, with account and gift card numbers, refund details, and personal financial information ). \n\nThis is not only recklessit is a direct violation of federal consumer privacy protections under : Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809 requiring financial institutions to protect the security and confidentiality of customer information.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b & 1681e restricting access and permissible use of consumer information.\n\nPotential violations of state consumer privacy and data breach notification laws.\n\nAmerican Express has now demonstrated : Failure to validate or investigate my dispute under FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ).\n\nWillful refusal to correct false reporting while continuing to damage my credit.\n\nGross negligence in handling sensitive consumer information, sending me private account details of another clienta severe data breach.\n\nThis behavior is unlawful, unacceptable, and places both myself and another innocent consumer at risk.\n\nI demand the following immediately : Permanent deletion of the false American Express account ( s ) being reported under my name.\n\nWritten confirmation that these accounts do not belong to me and will not be reinserted.\n\nA full explanation and disclosure of how and why another consumers private account information was sent to me, including what remedial steps American Express is taking to address this data breach. \n\nNotification to XXXX XXXX ( the other consumer whose information was disclosed ) as required by law, and confirmation that regulators have been informed of this privacy violation. \n\nIf American Express fails to comply, I will escalate with : The Federal Trade Commission ( FTC ) for data privacy violations, The Office of the Comptroller of the Currency ( OCC ) for regulatory oversight, My State Attorney Generals Office, And I will pursue civil litigation under FCRA, FDCPA, and GLBA, seeking statutory, actual, and punitive damages for ongoing harm.\n\nThis situation is now not only a matter of false reportingit is a federal privacy and consumer protection issue. I expect a full corrective response within 15 days. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Consumer Financial Protection Bureau","date_sent_to_company":"2025-08-27T09:01:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"32725","tags":null,"has_narrative":true,"complaint_id":"15513894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-08-27T07:33:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["This is not only recklessit is a direct violation of federal consumer privacy <em>protections</em> under : Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809 requiring financial institutions to protect the <em>security</em> and confidentiality of <em>customer</em> information.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b & 1681e restricting access and permissible use of consumer information.\n\nPotential violations of state consumer privacy and <em>data</em> breach notification laws."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[17.343563,"15513894"]},{"_index":"complaint-public-v1","_id":"12504426","_score":17.06625,"_source":{"product":"Credit card","complaint_what_happened":"American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute, Demand for Return of Security/Investment & Inquiry Regarding Securitization of Personal Information To Whom It May Concern, I am writing to address and formally dispute the adverse action taken against me regarding the recent denial of my credit application with American Express. I find it particularly troubling, given that American Express has continuously and aggressively solicited my business through targeted marketing and promotions. This solicitation creates an expectation of fair dealing, yet after collecting my highly sensitive personal data including my Social Security number American Express not only denied me but also appears to have used my information for its own financial gain. \n\nBased on publicly available information, including details from American Express most recent prospectus, it is clear that the company securitizes applications, contracts, and account receivables as part of its strategy to create financial instruments. These instruments are then transferred to third parties or bundled into asset-backed securities, which are subsequently used to raise capital and expand business operations. This process effectively transforms customer applications and agreements into marketable securities, subject to financial trading and liquidity generation. \n\nBy collecting my personal information and application data, American Express has received and converted this into an instrument that has tangible value within financial markets. Whether directly or indirectly, my data may have been incorporated into pools of assets that American Express securitizes and uses as leverage for funding activities, increasing shareholder value, or meeting regulatory capital requirements.\n\nGiven this reality, it is clear that my application which you have chosen to deny has nevertheless provided American Express with a form of security or investment through its contribution to the companys securitization and funding mechanisms. Denying me the credit facility while retaining the value generated from my data raises ethical and potentially legal concerns. \n\nDemand for Remedy : Given that my application and personal information may have been utilized in securitization processes that benefit American Expresss capital and business expansion strategies, I find the denial of my credit application unjust. Therefore, I formally request the following remedy : 1. Approval of a Lifetime Credit Facility : Immediate approval of an American Express credit card with an unlimited credit line for the duration of my lifetime.\n\n2. Proper Discharge of Account : Assurance that this account will be managed in accordance with the discharge, cancellation, and satisfaction provisions outlined in your indenture agreements, specifically those pertaining to noteholders. \n\n[ Securitization and Use of Personal Information ] : Publicly available documents, such as the American Express Issuance Trust II indenture, indicate that American Express engages in the securitization of receivables and related assets. Specifically, Section 6.01 of the indenture discusses the Satisfaction and Discharge of Indenture, stating : This Indenture will cease to be of further effect with respect to any Series, Class or Tranche of Notes when : ( a ) all Notes of that Series, Class or Tranche theretofore authenticated and delivered have been delivered to the Indenture Trustee canceled or for cancellation ; ( b ) the Issuer has paid or caused to be paid all other sums payable hereunder ; and ( c ) the Issuer has delivered to the Indenture Trustee an Officers Certificate and an Opinion of Counsel each stating that all conditions precedent herein provided for relating to the satisfaction and discharge of this Indenture with respect to the Notes of that Series, Class or Tranche have been complied with. \n\nThis suggests that American Express has mechanisms to discharge obligations related to securitized instruments upon fulfillment of specific conditions. \n\n\nAdditional Demands : Furthermore, I reiterate my previous demands : 1. A comprehensive explanation for the adverse action taken against me.\n\n2. A detailed account of how my personal information, including my Social Security number, has been utilized, particularly concerning securitization activities and transfers to third parties.\n\n3. Disclosure of any financial instruments created using my data and how such instruments have been leveraged to raise capital.\n\n4. If American Express chooses not to extend the requested credit facility, I demand the return of any value or investment derived from my personal information and application. \n\nFailure to address this matter satisfactorily within 30 days will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. I am prepared to pursue all necessary actions to protect my rights and recover any value unjustly retained by American Express. \n\nI expect a prompt and equitable resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-16T20:35:29.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"12504426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-03-16T20:31:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["This process effectively transforms <em>customer</em> applications and agreements into marketable <em>securities</em>, subject to financial trading and liquidity generation. \n\nBy collecting my personal information and application <em>data</em>, <em>American</em> Express has received and converted this into an instrument that has tangible value within financial markets."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[17.06625,"12504426"]},{"_index":"complaint-public-v1","_id":"18422434","_score":16.757322,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this new complaint because Bank of America has failed to rectify the issues stated in Complaint ID XXXX and continues to violate my rights as a consumer. \n\nDespite my explicit instructions to stop all data sharing via the Visa Account Updater ( VAU ) program, Bank of America has again allowed an unauthorized merchant charge to bypass a card replacement. This is a direct result of the banks refusal to process an opt-out request that Visas own documentation states is the consumer 's right. \n\nBecause of VAU my credit card continues to experience fraud charges. I have notified them to block these merchants multiple times and even request to be removed from VAU. And they have done nothing. \n\nLegal Violations : Regulation Z ( Truth in Lending Act ) : Bank of America is facilitating unauthorized charges by proactively sending my private, updated account information to merchants I have already attempted to block. By failing to stop this data transmission after being told to do so, the bank is responsible for the resulting unauthorized transactions. \n\nRegulation E ( Electronic Fund Transfer Act ) : The bank is allowing recurring electronic access to my account credentials without my valid, ongoing consent. \n\nUDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : Bank of America representatives have repeatedly and falsely claimed that an opt-out for VAU is \" impossible. '' Providing false information regarding a consumer 's ability to control their financial data is a deceptive practice.\n\nBreach of Fiduciary Duty regarding Data Security : By forcing my participation in a data-sharing web ( VAU ) against my express written and verbal instructions, the bank is intentionally creating a security vulnerability. They are providing \" keys to my house '' to merchants I have already moved to evict from my account. \n\nDeceptive Omissions : Bank of America fails to clearly and conspicuously disclose the VAU opt-out process in their initial Cardholder Agreement. This lack of transparency is a deceptive practice intended to keep consumers trapped in recurring payment cycles for the bank 's own profit via interchange fees. \n\nViolation of the Gramm-Leach-Bliley Act ( GLBA ) / Privacy Rule : Bank of America is sharing my non-public personal information ( NPI ) specifically my updated credit card numbers and expiration dateswith third-party merchants without my consent. Because I have explicitly revoked my \" opt-in '' to the VAU program, their continued sharing of this data constitutes a breach of federal privacy standards and a failure to protect my financial data from unauthorized disclosure. \n\nRequired Resolution : I demand that Bank of America immediately : Hard-block my account from the Visa Account Updater ( VAU ) Reverse the unauthorized charges allowed through this service. \n\nProvide a written statement explaining why my previous requests to opt out were ignored or met with false information from staff. \n\nI have attempted to resolve this through standard customer service channels multiple times to no avail. I am now seeking CFPB intervention to force compliance with federal consumer protection standards.","date_sent_to_company":"2026-01-02T17:00:31.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"85226","tags":null,"has_narrative":true,"complaint_id":"18422434","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-02T16:53:13.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["Breach of Fiduciary Duty regarding <em>Data</em> <em>Security</em> : By forcing my participation in a <em>data</em>-sharing web ( VAU ) against my express written and verbal instructions, the bank is intentionally creating a <em>security</em> vulnerability. They are providing \" keys to my house '' to merchants I have already moved to evict from my account. \n\nDeceptive Omissions : Bank of <em>America</em> fails to clearly and conspicuously disclose the VAU opt-out process in their initial Cardholder Agreement."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[16.757322,"18422434"]},{"_index":"complaint-public-v1","_id":"12678977","_score":16.66608,"_source":{"product":"Credit card","complaint_what_happened":"Attention : American Express XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Denial of XXXX XXXX XXXX, Inaccurate Reporting, and XXXX XXXX American Express XXXX XXXX : I am writing as an account holder of the American Express XXXX XXXX Credit Card to formally raise serious concerns regarding your recent denial of my credit line increase request, your inaccurate credit reporting practices, and your undisclosed financial dealings that amount to unjust enrichment and potential securities fraud. \n\nXXXX. Unjust Denial of Credit Line Increase Based on Misleading XXXX Criteria Despite being a responsible cardholder, I was issued an unreasonably low {$1000.00} credit limit. More troubling is that my recent request for a credit line increase was denied, purportedly based on XXXX criteria that are arbitrary and fail to accurately reflect my financial behavior or overall creditworthiness. This denial appears to be based on outdated or incorrect scoring methodologies and fails to consider the broader financial context or positive payment history I maintain. \n\nXXXX. False and XXXX XXXX XXXX American Express has been reporting inaccurate account balances and payment history to the credit reporting agencies, negatively impacting my credit profile. These inaccuracies not only violate the Fair Credit Reporting Act but also represent bad faith in the administration of your obligations as a \" lender ''. \n\nXXXX. Undisclosed Securitization and XXXX XXXX XXXX XXXX XXXX review of your recent filing with the XXXX Securities and Exchange Commission ( SEC ), specifically the Form XXXX dated XX/XX/year>, I discovered that American Express XXXX XXXX XXXX XXXX XXXX XXXX American Express National Bank XXXX and American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX underwriting agreements to issue {$1.00} XXXX in Asset-Backed Certificates ( Series XXXX and XXXX ), based on receivables derived from consumer credit card accounts held by cardholders like myself. \n\nThis document reveals that : Each Certificate will represent an undivided interest in certain assets of the American Express XXXX Account XXXX XXXX. The property of the XXXX will include, among other things, receivables generated ... from designated consumer American Express credit card accounts. \n\nIt is clear that American Express has bundled my receivables ( i.e., debt obligations ) as collateral to create securities for sale to investorswithout my knowledge or consent. You have effectively monetized my private financial data and obligations for your own profit. This behavior not only undermines the fiduciary relationship between you and your customers, but it also constitutes unjust enrichment and exploitation of my intellectual property. \n\nXXXX. Violation of Federal Law Identity Theft and Securities Fraud By utilizing my personal credit activity and financial profile as the underlying asset for securitization, without providing compensation or disclosure, American Express has exploited my identity and private data for gain. This XXXX rise to the level of : Identity theft under applicable state and federal statutes XXXX fraud through material omissions and misrepresentation of the nature of receivables sold to investors Violations of consumer protection laws enforced by the FTC, SEC, and XXXX XXXX. Demand for Remediation Given the seriousness of these actions, I demand that American Express take the following corrective actions immediately : Offset and Setoff all falsely reported balances, including any erroneous late payments reported to the credit bureaus. \nImmediately increase my credit limit to {$50000.00} in recognition of the underlying financial activity that is being securitized and monetized for profit. \nProvide financial compensation for the use of my credit profile in the creation of asset-backed securities. \nCorrect all negative or inaccurate reporting currently listed on my credit reports with XXXX, XXXX, and XXXX, and any other consumer reporting agency alike. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX American Express fail to address and fully resolve these issues within XXXX ( XXXX ) days, I will not hesitate to escalate this matter by filing formal complaints with : The XXXX Securities and Exchange Commission ( SEC ) The Federal Trade Commission ( FTC ) The Department of Justice XXXX XXXX XXXX XXXX XXXX of the Comptroller of the Currency ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) The XXXX XXXX XXXX XXXX ( FDIC ) XXXX and XXXX Attorney XXXX XXXX And a civil complaint in XXXX XXXX XXXX This complaint will include allegations of fraud, unjust enrichment, identity theft, securities violations, and consumer rights violations. \n\nI expect a prompt written response confirming your receipt of this complaint and outlining your intended course of action.","date_sent_to_company":"2025-03-26T21:46:09.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"12678977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-03-26T21:33:09.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["Violation of Federal Law Identity Theft and <em>Securities</em> Fraud By utilizing my personal credit activity and financial profile as the underlying asset for securitization, without providing compensation or disclosure, <em>American</em> Express has exploited my identity and private <em>data</em> for gain."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[16.66608,"12678977"]},{"_index":"complaint-public-v1","_id":"15053093","_score":16.347475,"_source":{"product":"Prepaid card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XX/XX/year> To : Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Privacy Violations and Withholding of Government Funds Dear Netspend Customer Support / Compliance Department, I am writing to file a formal complaint regarding what I believe to be serious violations of my privacy rights, improper handling of my personal information, and the unlawful withholding of funds totaling {$3800.00} on my Netspend account. \n\nTo begin with, I was alarmed and disturbed by the excessive amount of personal information your company requested from mebeyond what is reasonable or lawful under the American Privacy Rights Act ( APRA ) and related federal data protection statutes. This included repeated demands for sensitive data such as my Social Security number, government-issued identification, and additional documentation that I have reason to believe was not handled securely. \n\nMore troubling is the fact that this information appears to be processed and reviewed by outsourced customer service agents based overseas, many of whom may not be subject to the same legal safeguards required within the United States. If true, this would be a blatant violation of both APRA and various federal regulations concerning the handling of personally identifiable information ( PII ).\n\nI must stress that U.S. citizens private financial and identity information should not be accessible to third parties outside the jurisdiction of U.S. law, especially when it concerns sensitive data like Social Security numbers and government benefits. If these allegations are confirmed, I believe your company may be in violation of federal privacy laws and consumer protection statutes, and I am prepared to escalate this matter to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and my congressional representatives, if necessary. \n\nIn addition to these privacy concerns, Netspend has unlawfully denied access to {$3800.00} in government funds, which were deposited into my account. This withholding of my money without just cause or a clear, legal explanation is unacceptable. These funds must be returned to the appropriate creditor or disbursed to me immediately. \n\nI hereby demand the following actions from Netspend : Immediate release or return of the {$3800.00} that is currently being withheld without justification.\n\nA written explanation and timeline detailing the chain of custody of my personal data and who currently has access to it.\n\nA formal assurance that none of my sensitive data has been mishandled, sold, or shared with third-party entities without my consent. \n\nThe name and location of any third-party or offshore customer service centers handling my personal information. \n\nFailure to respond to this matter within 10 business days from receipt of this letter will compel me to file formal complaints with the FTC, CFPB, XXXX XXXX XXXX and pursue legal action to protect my rights and secure the return of my funds. \n\nI expect a swift and satisfactory resolution. Please treat this matter with the urgency and seriousness it requires. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-03T21:57:03.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"15053093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2025-08-03T21:10:22.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["To begin with, I was alarmed and disturbed by the excessive amount of personal information your company requested from mebeyond what is reasonable or lawful under the <em>American</em> Privacy Rights Act ( APRA ) and related federal <em>data</em> <em>protection</em> statutes. This included repeated demands for sensitive <em>data</em> such as my Social <em>Security</em> number, government-issued identification, and additional documentation that I have reason to believe was not handled securely."]},"sort":[16.347475,"15053093"]},{"_index":"complaint-public-v1","_id":"4608567","_score":16.240734,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Our accounts with Bank of America were frozen due to a \" data breech '' .in XX/XX/2021. We were unable to access any of our accounts for over 6 weeks. The Bank of America did not give us any documentation of the freeze to use to alert our creditors and we had automatic payments bounce. Because of their undocumented freeze, we had to put everything on credit cards for over 6 weeks and pay late fees on payments to our creditors. We have had to open accounts at another bank because Bank of America would not even assist with reestablishing our accounts under new numbers. I have since learned that they should have provided us with credit report protection and assistance with the creditors to explain the delay in payments and confirm the validity of the freeze as part of a data breech. We have had increasing credit rate reductions since XXXX XXXXwhich seems to be falling monthly even though we are up to date on our payments with automatic withdrawals through our new bank. \n\nMy complaint is with the lack of formal documentation of the breech and our accounts being frozen and our online statements being wiped out to even know which payments were made or not during that time before and during the freeze. There was no customer support or even a claim number to refer to in the system according to the bank due to it \" being under investigation ''. \nAs a further result of this breech as of XX/XX/2021 I received notice that someone has appllied for unemployment benefits in my name and social security number in Illinois. \nWhen I notified the credit reporting companies and my local pollice to get a report # I was strongly recommended to also report the bank to your agency. \n\nPlease let me know what else you will need from us to follow up with the Bank of America and their shady \" data breech '' protocol that has now damaged our credit rating and provided NO support or assistance to repair our credit rating and the interest we had to pay on our credit cards due to lack of access to our funds for an extended period of time ( +6 weeks ).","date_sent_to_company":"2021-08-06T18:25:43.000Z","issue":"Problem with customer service","sub_product":"Credit repair services","zip_code":"60056","tags":null,"has_narrative":true,"complaint_id":"4608567","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-08-06T17:48:34.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We have had to open accounts at another bank because Bank of <em>America</em> would not even assist with reestablishing our accounts under new numbers. I have since learned that they should have provided us with credit report <em>protection</em> and assistance with the creditors to explain the delay in payments and confirm the validity of the freeze as part of a <em>data</em> breech."],"issue":["Problem with <em>customer</em> service"],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[16.240734,"4608567"]},{"_index":"complaint-public-v1","_id":"13033475","_score":16.091702,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint About Chase Auto Loan Deceptive Practices, Unfair Policies, and Outsourced Support I am filing this complaint as a Chase auto loan customer who has experienced deceptive, frustrating, andin my opinionunethical treatment from the institution. \nBefore accepting the loan, I was contacted repeatedly by U.S.-based representatives who offered assistance that was really just high-pressure sales tactics aimed at closing the deal. However, once the loan was finalized, all of my customer service interactions were redirected overseasspecifically to the XXXX. I now have to discuss my private financial matters with a foreign call center, which I find not only deeply uncomfortable and unprofessional, but potentially a risk to my personal data. These outsourced jobs belong in the United States of America. \nMeanwhile, Chases CEO XXXX XXXX earns nearly {$40.00} XXXX per year, while Chase cuts costs by pushing U.S. customers to underpaid, offshore support that lacks transparency, language clarity, and cultural understanding. \nBut it gets worse. I discovered that if my loan due date falls on a Sunday, Chase requires the payment to be made three business days earlier, or Im penalized. I was told this directly by a representative. This is not clearly disclosed and goes against decades of standard billing practice. If a due date falls on a non-business day, the standard in most industries is to move it to the next business day without penaltynot to retroactively penalize the customer. \nAt XXXX XXXX XXXX, Ive been responsibly paying bills for 45 years, and never have I encountered a system this intentionally misleading. \nI respectfully request the Consumer Financial Protection Bureau investigate the following : Whether Chase is using deceptive billing and due date practices. \nThe extent to which Chase discloses their weekend penalty policy. \nHow Chase protects U.S. customer data when all service is funneled offshore. \nWhy Chase customers are forced into offshore communications instead of having access to domestic support. \nThis is not only a consumer issue. Its a national onerelated to job displacement, data security, and the ethics of billion-dollar financial institutions that are failing their customers.","date_sent_to_company":"2025-04-18T00:26:56.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"37067","tags":null,"has_narrative":true,"complaint_id":"13033475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-04-18T00:12:29.000Z","state":"TN","company_public_response":null,"sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["How Chase protects U.S. <em>customer</em> <em>data</em> when all service is funneled offshore. \nWhy Chase <em>customers</em> are forced into offshore communications instead of having access to domestic support. \nThis is not only a consumer issue. Its a national onerelated to job displacement, <em>data</em> <em>security</em>, and the ethics of billion-dollar financial institutions that are failing their <em>customers</em>."]},"sort":[16.091702,"13033475"]},{"_index":"complaint-public-v1","_id":"2691702","_score":15.757417,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX Data Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! \n\nA Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MIDXX/XX/XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other data breaches, those affected by the breach may not even know they 're customers of the company. XXXX XXXX XXXX XXXX is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! \n\nThe data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. \n\nXXXX has confirmed and claimed that as many as 143 million people in the United States were hit. Others in the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to \" personal identifying information '' on about 182,000 U.S. customers. \n\nI have been disputing incorrect accounts on my credit report since XX/XX/XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XX/XX/XXXX when this unauthorized and breach happened in midXXXXXX/XX/XXXX XXXX  confirmed and claimed that the criminals \" exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. \n\nXXXX is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX FOR A SUBSTANTIAL AMOUNT OF MONEY. \n07. WHO HAS MY DATA NOW AND AFTER THE BREACH? XXXX DOES NOT KNOW! \n\nAs a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.","date_sent_to_company":"2017-10-04T14:48:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2691702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-03T19:22:40.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX <em>Data</em> Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! \n\nA Huge <em>security</em> breach at credit reporting company XXXX has exposed sensitive information, such as social <em>security</em> numbers and addresses of up to 143 million <em>Americans</em>. THE BREACH HAPPENED IN BETWEEN MIDXX/XX/XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other <em>data</em> breaches, those affected by the breach may not even know they 're <em>customers</em> of the company."]},"sort":[15.757417,"2691702"]},{"_index":"complaint-public-v1","_id":"2691775","_score":15.75473,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Data BreachXX/XX/XXXXand Incorrect accounts on my credit report. I am a victim! \n\nA Huge security breach at credit reporting company Equifax has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MID XX/XX/XXXX AND EQUIFAX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other data breaches, those affected by the breach may not even know they 're customers of the company. Equifax ( EFX ) is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! \n\nThe data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. \n\nEquifax has confirmed and claimed that as many as 143 million people in the United States were hit. Others in the XXXX and XXXX were also impacted, but Equifax has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to \" personal identifying information '' on about 182,000 U.S. customers. \n\nI have been disputing incorrect accounts on my credit report sinceXX/XX/XXXX and Equifax did not notify me in the mail stating that my personal information and dispute records were breached. Equifax jusst informed the public XXXX XXXX, XXXX when this unauthorized and breach happened in mid-XX/XX/XXXX. Equifax confirmed and claimed that the criminals \" exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. \n\nEquifax is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything Equifax has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS EQUIFAX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE EQUIFAX FOR A SUBSTANTIAL AMOUNT OF MONEY. \n07. WHO HAS MY DATA NOW AND AFTER THE BREACH? EQUIFAX DOES NOT KNOW! \n\nAs a Secured Party Creditor I will be filing the following against Equifax : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. EQUIFAX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.","date_sent_to_company":"2017-10-04T14:49:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33322","tags":null,"has_narrative":true,"complaint_id":"2691775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-03T19:24:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax <em>Data</em> BreachXX/XX/XXXXand Incorrect accounts on my credit report. I am a victim! \n\nA Huge <em>security</em> breach at credit reporting company Equifax has exposed sensitive information, such as social <em>security</em> numbers and addresses of up to 143 million <em>Americans</em>. THE BREACH HAPPENED IN BETWEEN MID XX/XX/XXXX AND EQUIFAX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other <em>data</em> breaches, those affected by the breach may not even know they 're <em>customers</em> of the company."]},"sort":[15.75473,"2691775"]},{"_index":"complaint-public-v1","_id":"2691700","_score":15.75473,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Data Breach XX/XX/XXXX and Incorrect accounts on my credit report. I am a victim! \n\nA Huge security breach at credit reporting company Equifax has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MIDXX/XX/XXXX AND EQUIFAX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other data breaches, those affected by the breach may not even know they 're customers of the company. Equifax ( EFX ) is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! \n\nThe data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. \n\nEquifax has confirmed and claimed that as many as 143 million people in the United States were hit. Others in the XXXX and XXXX were also impacted, but Equifax has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to \"  personal identifying information '' on about 182,000 U.S. customers. \n\nI have been disputing incorrect accounts on my credit report since XX/XX/XXXX and Equifax did not notify me in the mail stating that my personal information and dispute records were breached. Equifax jusst informed the public XXXX XXXX, XXXX when this unauthorized and breach happened in midXX/XX/XXXX. Equifax confirmed and claimed that the criminals \" exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. \n\nEquifax is proposing that i sign up for credit file monitoring and identity theft protection for one year.  Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything Equifax has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS EQUIFAX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE EQUIFAX FOR A SUBSTANTIAL AMOUNT OF MONEY.\n07. WHO HAS MY DATA NOW AND AFTER THE BREACH? EQUIFAX DOES NOT KNOW! \n\nAs a Secured Party Creditor I will be filing the following against Equifax : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. EQUIFAX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.","date_sent_to_company":"2017-10-04T14:49:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2691700","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-03T19:11:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax <em>Data</em> Breach XX/XX/XXXX and Incorrect accounts on my credit report. I am a victim! \n\nA Huge <em>security</em> breach at credit reporting company Equifax has exposed sensitive information, such as social <em>security</em> numbers and addresses of up to 143 million <em>Americans</em>. THE BREACH HAPPENED IN BETWEEN MIDXX/XX/XXXX AND EQUIFAX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other <em>data</em> breaches, those affected by the breach may not even know they 're <em>customers</em> of the company."]},"sort":[15.75473,"2691700"]},{"_index":"complaint-public-v1","_id":"2691788","_score":15.731678,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX Data Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! \n\nA Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MID XX/XX/XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other data breaches, those affected by the breach may not even know they 're customers of the company. XXXX XXXX XXXX XXXX is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! \n\nThe data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. \n\nXXXX has confirmed and claimed that as many as 143 million people in the United States were hit. Others in  the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to \" personal identifying information '' on about 182,000 U.S. customers. \n\nI have been disputing incorrect accounts on my credit report since XXXX of XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XXXX XXXX, XXXX when this unauthorized and breach happened in midXXXX and XXXX XXXX. XXXX confirmed and claimed that the criminals \" exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. \n\nXXXX is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX  FOR A SUBSTANTIAL AMOUNT OF MONEY. \n07. WHO HAS MY DATA NOW AND AFTER THE BREACH? XXXX DOES NOT KNOW! \n\nAs a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.","date_sent_to_company":"2017-10-04T14:40:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33322","tags":null,"has_narrative":true,"complaint_id":"2691788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-10-03T19:36:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX <em>Data</em> Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! \n\nA Huge <em>security</em> breach at credit reporting company XXXX has exposed sensitive information, such as social <em>security</em> numbers and addresses of up to 143 million <em>Americans</em>. THE BREACH HAPPENED IN BETWEEN MID XX/XX/XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other <em>data</em> breaches, those affected by the breach may not even know they 're <em>customers</em> of the company."]},"sort":[15.731678,"2691788"]},{"_index":"complaint-public-v1","_id":"2671772","_score":15.6359625,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?\nCredit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.\nThe situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.\nHowever, I have no doubt that the charges will return very quickly ( XXXX and Experian have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. \n\nSound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.","date_sent_to_company":"2017-09-13T16:21:41.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"641XX","tags":"Older American","has_narrative":true,"complaint_id":"2671772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-13T16:21:29.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["I am writing to express my outrage not just at the recent <em>security</em> breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal <em>data</em> of nearly every <em>American</em> without their choice or input?\nCredit bureaus have been uncooperative players and effectively anti-consumer for years."],"issue":["Credit monitoring or identity theft <em>protection</em> services"]},"sort":[15.6359625,"2671772"]},{"_index":"complaint-public-v1","_id":"2671761","_score":15.633386,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to express my outrage not just at the recent security breach at Equifax, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input? \n\nCredit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers. \n\nThe situation ( at Equifax at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report. \n\nHowever, I have no doubt that the charges will return very quickly ( XXXX and XXXX  have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. \n\nSound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.","date_sent_to_company":"2017-09-13T16:21:26.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"641XX","tags":"Older American","has_narrative":true,"complaint_id":"2671761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T16:03:57.000Z","state":"MO","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["I am writing to express my outrage not just at the recent <em>security</em> breach at Equifax, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal <em>data</em> of nearly every <em>American</em> without their choice or input? \n\nCredit bureaus have been uncooperative players and effectively anti-consumer for years."],"issue":["Credit monitoring or identity theft <em>protection</em> services"]},"sort":[15.633386,"2671761"]},{"_index":"complaint-public-v1","_id":"2671944","_score":15.62261,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?\nCredit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.\nThe situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.\nHowever, I have no doubt that the charges will return very quickly ( TransUnion and XXXX have not offered a free freeze at all, and TransUnion doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXXyear-old mother, and me fees would total {$2100.00} annually for full protection. \n\nSound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.","date_sent_to_company":"2017-09-13T16:21:41.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"641XX","tags":"Older American","has_narrative":true,"complaint_id":"2671944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-13T16:21:29.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["I am writing to express my outrage not just at the recent <em>security</em> breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal <em>data</em> of nearly every <em>American</em> without their choice or input?\nCredit bureaus have been uncooperative players and effectively anti-consumer for years."],"issue":["Credit monitoring or identity theft <em>protection</em> services"]},"sort":[15.62261,"2671944"]},{"_index":"complaint-public-v1","_id":"2691787","_score":15.577234,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! \n\nA Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to XXXX XXXX Americans. THE BREACH HAPPENED IN BETWEEN XXXX XXXX TO XXXX XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other data breaches, those affected by the breach XXXX not even know they 're customers of the company. XXXX XXXX XXXX XXXX is XXXX of the XXXX nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! \n\nThe data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. \n\nXXXX has confirmed and claimed that as many as XXXX XXXX people in the United States were hit. Others in the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about XXXX XXXX customers were compromised, in addition to \" personal identifying information '' on about XXXX XXXX customers. \n\nI have been disputing incorrect accounts on my credit report since XXXX of XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XXXX XXXX, XXXX when this unauthorized and breach happened in XXXX and XXXX XXXX. XXXX confirmed and claimed that the criminals \" exploited a XXXX website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. \n\nXXXX is proposing that i sign up for credit file monitoring and identity theft protection for XXXX year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX  FOR A SUBSTANTIAL AMOUNT OF MONEY. \n07. WHO HAS MY DATA NOW AND AFTER THE BREACH? EQUIFAX DOES NOT KNOW! \n\nAs a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.","date_sent_to_company":"2017-10-04T14:28:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33322","tags":null,"has_narrative":true,"complaint_id":"2691787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-03T19:36:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["A Huge <em>security</em> breach at credit reporting company XXXX has exposed sensitive information, such as social <em>security</em> numbers and addresses of up to XXXX XXXX <em>Americans</em>. THE BREACH HAPPENED IN BETWEEN XXXX XXXX TO XXXX XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other <em>data</em> breaches, those affected by the breach XXXX not even know they 're <em>customers</em> of the company."]},"sort":[15.577234,"2691787"]},{"_index":"complaint-public-v1","_id":"10939251","_score":15.433875,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Against Bank of America for Denial of Bill of Exchange Complaint Summary : Bank of America ( BOA ) has denied acceptance of a Bill of Exchange ( Sight Draft ) presented by PRINCIPAL ; XXXX XXXX XXXX XXXX, citing the requirement of having a business account for over three years, an excellent credit score, and a minimum balance. This decision violates federal and state laws governing negotiable instruments, deprives the principal of rightful financial benefits, and demonstrates potential unjust enrichment through unauthorized use of the principals information.\n\nViolations Cited : Uniform Commercial Code ( UCC ) Compliance UCC 3-104 : A Bill of Exchange meets the definition of a negotiable instrument. 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I am a victim! \n\nA Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to 143 million Americans. THE BREACH HAPPENED IN BETWEEN MID XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> TO XX/XX/XXXXAND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. \n\nUnlike other data breaches, those affected by the breach may not even know they 're customers of the company. XXXX XXXX XXXX XXXX is one of the three nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! \n\nThe data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. \n\nXXXX has confirmed and claimed that as many as 143 million people in the United States were hit. Others in the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to \" personal identifying information '' on about 182,000 U.S. customers. \n\nI have been disputing incorrect accounts on my credit report sinceXX/XX/XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XX/XX/XXXXwhen this unauthorized and breach happened in mid-XX/XX/XXXX XXXX  confirmed and claimed that the criminals \" exploited a U.S. website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. \n\nXXXX is proposing that i sign up for credit file monitoring and identity theft protection for one year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO  THAT AGREEMENT WILL LIMIT MY REMEDIES 03.  ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX FOR A SUBSTANTIAL AMOUNT OF MONEY. \n07. WHO HAS MY DATA NOW AND AFTER THE BREACH? XXXX DOES NOT KNOW! \n\nAs a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.","date_sent_to_company":"2017-10-04T14:43:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2691701","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-10-03T19:22:40.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX <em>Data</em> Breach XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! \n\nA Huge <em>security</em> breach at credit reporting company XXXX has exposed sensitive information, such as social <em>security</em> numbers and addresses of up to 143 million <em>Americans</em>. 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