{"took":158,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10551707","_score":19.161375,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, a CFPB Complaint was sent to XXXX XXXX XXXX XXXX XXXX ( XXXX  ), requesting information regarding a XXXX Home Mortgage Loan Originated to XXXX XXXX XXXX and XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX. The initial Response sent to the CFPB Consumer Complaint Department by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX was that Complaint Number XXXX was not for XXXX. CFPB returned the Complaint to XXXX and requested more information. XXXX then sent CFPB to verify that the specified Complaint was, in fact, sent to the correct company, and they then resent it back to XXXX. The second time that XXXX received CFPB Complaint Number XXXX, they acknowledged that the said CFPB Complaint was routed correctly to XXXX complaint, but that it was a duplicate of a CFPB Complaint Number XXXX that they had received the previous year in XXXX and because it was a duplicate complaint they did not have to respond to it. This was a false response sent from XXXX to CFPB for the two following reasons : 1. Complaint Number XXXX was sent to Select Portfolio Servicing, Inc. by CFPB on XX/XX/XXXX. It contained a multiple-page narrative delineating details and dates that were never included in any other CFPB Complaint.\n\n2. The Consumer Financial Protection Bureau ( CFPB ) includes various data security and data privacy features that ensure that the confidentiality of the American Consumer is protected at all times.","date_sent_to_company":"2024-10-23T18:56:48.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"85381","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"10551707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2024-10-23T17:14:48.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Changes in loan terms during the application process"},"highlight":{"complaint_what_happened":["The Consumer Financial Protection Bureau ( CFPB ) includes various <em>data</em> <em>security</em> and <em>data</em> <em>privacy</em> <em>features</em> that <em>ensure</em> that the confidentiality of the American Consumer is protected at all times."]},"sort":[19.161375,"10551707"]},{"_index":"complaint-public-v1","_id":"6237624","_score":11.833975,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experians mission statement : At Experian, we view ourselves as the \" XXXX ' XXXX. '' It's our mission to drive financial inclusion and help facilitate access to fair and affordable credit for consumers. We're continually exploring new ways to use our data and resources to help consumers improve their financial well-being. \n\nnew ways to use our data use our data our data Experian is in violation of the XXXX Privacy Act that prohibits the disclosure of an individual 's records without their written consent, unless the information is shared under one of 12 statutory exceptions. \n\nExperians daily sharing of derogatory, inaccurate, unsolicited data does not meet any of the 12 statutory exceptions and is therefore a willful violation of the law. \n\nWhat data Experian collects is governed by few laws but what data Experian shares is governed by many. \n\nRE : the XXXX XXXX ruling that some collected information [ by Experian ] can be withheld. \n\nExperian sharing and using collected data are not the same as the withholding of data. \n\nExperian HAS furnished behavioral data in breach of the FCRA disclosure requirements by SHARING privileged data and not WITHHOLDING it. Experian is only within the laws of the USA when they are COLLECTING data not when they are SHARING data. Experian is in violation of the laws when they share data they have collected through unfettered access to personal and private data that would not otherwise be available to access by any private business or entity in the USA. And it is not the collection of this data that breaks the laws but the sharing. Experian has won many cases under the false pretense of a lawful collection of data while unlawfully sharing data. Those cases should be overturned according to the indisputable facts outlined by the ninth districts ruling that some collected data may be withheld from the consumer, a ruling does not indemnify any sharing of that collected data nor provide clarification on what is the lawful use of the collected data other than to withhold. What data Experian lawfully collects may not always be lawfully shared if the exceptions for the use of that collected data are not covered in the 12 privacy exceptions. Experian sharing consumer behavioral data or privileged collected data outside of these 12 exceptions is a breach of privacy and the laws of the USA. Experian has misdirected the arguments in court towards lawful collection while not addressing the unlawful data sharing.\n\nFCRA 15 U.S.C. 1681, rights to privacy. \n\n( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n\n( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n\n( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. \n\n( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\nCommon consumer privacy features offered by corporations and government agencies include : opt-out provisions in user agreements for bank accounts, utilities, credit cards and similar services ; Consumer privacy, also known as customer privacy, involves the handling and protection of the sensitive personal information provided by customers in the course of everyday transactions.\n\nThe Fair Credit Reporting Act ( FCRA ) of XXXX- which protects consumer information as it pertains to their credit report, which provides insight into an individual 's financial status. \n\nExperians XXXX Violations relating to their activities in concert with XXXX XXXX fraud : XXXX ( relating to financial institution fraud ), XXXX ( relating to obstruction of justice ), XXXX ( relating to obstruction of criminal investigations ), XXXX ( relating to the obstruction of State or local law enforcement ), XXXX ( relating to tampering with a witness, victim, or an informant ), XXXX ( relating to retaliating against a witness, victim, or an informant ), -The Sherman Anti-Trust Act authorized the federal government to institute proceedings against trusts in order to dissolve them. \n-The Clayton Act seeks to prevent anticompetitive practices in their incipiency. \n-The Federal Trade Commission Act of XXXX was a United States federal law which established the Federal Trade Commission XXXX The Act was signed into law by US President XXXX XXXX in XXXX and outlaws unfair methods of competition and unfair acts or practices that affect commerce. \n\nXXXX XXXX. XXXX laws are statutes developed by governments to protect consumers from predatory business practices and ensure fair competition. Antitrust laws are applied to a wide range of questionable business activities, including market allocation, bid rigging, price fixing, and monopolies. -- -- XXXX Privacy Act Exceptions The Privacy Act of XXXX, as amended, includes XXXX exceptions under which XXXX XXXX information about an individual without their written consent. These disclosuresmay be made within and/or outside DoD. The XXXX exceptions allow disclosure : XXXX. To those officers and employees of the agency which maintains the record, whohave a need for the record in the performance of their duties. \nXXXX. When the disclosure is made under the Freedom of Information Act ( 5 U.S.C. 552 ). \nXXXX. For an established routine use routine use must be published as part of the systemof records notice ). \nXXXX. To the XXXX XXXX for the purposes of planning or carrying out a census or survey. \nXXXX. To someone who has adequately notified the agency in advance that the record is tobe used for statistical research or reporting and the record is transferred withoutindividually identifying data. \nXXXX. To the XXXX XXXX and XXXX XXXX as a record of historical value. \nXXXX. To another agency or to an instrumentality of any governmental jurisdiction, withinor under the control of the United States for a civil or criminal law enforcementactivity, if the activity is authorized by law, and if the head of the agency orinstrumentality has made a written request to the agency which maintains the recordspecifying the particular portion desired and the law enforcement activity for which the record is sought. \nXXXX. To a person under compelling circumstances affecting someone's health or safety, and the person whose health or safety is affected is sent a notification of thedisclosure. \nXXXX. To either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress orsubcommittee of any such joint committee. \nXXXX. To the XXXX XXXX in the course of the duties of the XXXX XXXX. \nXXXX. Pursuant to the order of a court of competent jurisdiction. \nXXXX. To a consumer reporting agency in accordance with section 31 U.S.C. 3711 ( f ) The Bank Secrecy Act, adopted in 1970, is the basis of numerous compliance practices for banks, including know your customer ( KYC ) and due diligence processes. The BSA requires banks to help federal authorities detect and prevent money laundering and other financial crimes, which can indicate other criminal activity. \n\nWhen the consumer is not involved in any crimes and the banks, the credit reporting agencies, and the financial institutions willingly or otherwise hand over that non-criminal data to a 3rd party they are unlawfully spying on private consumers in violation of Antitrust laws and the 4th amendment, when collected data goes directly to the US government under the Bank Secrecy Act that is not intended as a tool to investigate, and prosecute a financial crime, banks are spying on customers and consumers for financial or political gain in violation of XXXX XXXX statutes and Antitrust laws. \n\nTo convict a defendant under XXXX, the government must prove that the defendant engaged in XXXX or more instances of racketeering activity and that the defendant directly invested in, maintained an interest in, or participated in a criminal enterprise affecting interstate or foreign commerce. \nXXXX SECTION VIOLATIONS COMMITTED BY XXXX XXXX IN CONCERT WITH THE XXXX of PR which Experian reports as \" legitimate '' activity : XXXX ( relating to fraud and related activity in connection with identification documents ), XXXX ( relating to fraud and related activity in connection with access devices ), XXXX ( relating to mail fraud ), XXXX ( relating to wire fraud ), XXXX ( relating to financial institution fraud ), XXXX ( relating to obstruction of justice ), XXXX ( relating to obstruction of criminal investigations ), XXXX ( relating to the obstruction of State or local law enforcement ), XXXX ( relating to tampering with a witness, victim, or an informant ), XXXX ( relating to retaliating against a witness, victim, or an informant ), XXXX ( relating to unlawful welfare fund payments ), XXXX ( relating to the laundering of monetary instruments ), XXXX ( relating to engaging in monetary transactions in property derived from specified unlawful activity ), XXXX ( relating to illegal money transmitters ), XXXX and XXXX ( relating to interstate transportation of stolen property ), XXXX ( relating to criminal infringement of a copyright ), XXXX ( relating to trafficking in goods or services bearing counterfeit marks ), ( D ) any offense involving fraud connected with a case under title 11 ( except a case under section 157 of this title ), fraud in the sale of securities, punishable under any law of the United States, ( E ) any act which is indictable under the Currency and Foreign Transactions Reporting Act","date_sent_to_company":"2022-11-23T22:44:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91606","tags":null,"has_narrative":true,"complaint_id":"6237624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-23T22:01:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Common consumer <em>privacy</em> <em>features</em> offered by corporations and government agencies include : opt-out provisions in user agreements for bank accounts, utilities, credit cards and similar services ; Consumer <em>privacy</em>, also known as customer <em>privacy</em>, involves the handling and protection of the sensitive personal information provided by customers in the course of everyday transactions."]},"sort":[11.833975,"6237624"]},{"_index":"complaint-public-v1","_id":"7053123","_score":8.890358,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2023 Subject : Unlawful Access and Misuse of XXXX XXXX XXXX 's Online Experian Credit Reports Dear Sir or Madam, I am writing to bring to your attention a distressing incident involving the unlawful access and misuse of my Experian credit reports. On XX/XX/2023, at approximately XXXX XXXX, I discovered that an individual or group, likely using a [ n ] fictitious, similar, or exact names and/or one or more of them has changed their legal name to match mine, XXXX XXXX XXXX XXXX XXXX had intentionally, knowingly, and willfully gained unauthorized access to my online Experian credit file account. This intentionally and repeatedly unauthorized access occurred on several occasions, specifically dated on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. The fictitious, similar, or exact name individuals has obtained my login Personal Identifiable Information ( PII ), including my email address, password, and cellular phone two-steps authentication codes ( received via SMS text messages ), and subsequently deleted these text messages from my XXXX XXXX Messages App, leaving no trace my online Experian credit file account had been compromised. Please refer to Exhibit A for evidence. \n\nTo substantiate my claims, I have maintained a written logbook of my online Experian credit file account activities. Although, I had accessed my online Experian credit file account dated on XX/XX/2023, XX/XX/2023, and XX/XX/2023, for the sole purpose of printing out my Experian credit reports, I had noticed one discrepancy. The Experian credit report generated on XX/XX/2023, is missing from the list displayed dropdown menu within my online Experian credit file account which is particularly notable. However, I possess a printed copy of the missing Experian credit report unlisted from that date ( XX/XX/2023 ). Please refer to Exhibit B for evidence. This discrepancy confirms that the fictitious, similar, or exact name individuals had unlawful accesses to my online Experian credit file account and generated my online Experian credit reports dated on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, without my lawful authorities. Therefore, I have conclusive evidence of the fictitious, similar, or exact name individuals unauthorized and intentional nature of their actions against my online Experian credit file account. \n\nI want to emphasize that I have taken extensive precautions to safeguard my online Experian credit file account. I have regularly cleared my browser data daily in order to prevent unauthorized tampering, refrain from sharing my files with anyone, and abstain from signing any official notarized instruments, including power of attorney, affidavits, or waivers of rights, with anyone person even family members. Despite these measures, the fictitious, similar, or exact name individuals have deliberately targeted, threatened, harassed, and hacked into my computer devices, asserting their ownership and property rights over my personal identification documents, authentication features, identification cards and online Experian credit file account. \n\nThe fictitious, similar, or exact name individuals who have assumed my full legal name, XXXX XXXX XXXX, unlawfully obtained, accessed, allocated, allowed, assigned, advocated, granted, permitted, and disseminated my online Experian credit reports through an enabler ( s ) who, in turn, believed the psychological gaslighting tactics employed by the fictitious, similar, or exact name individuals. These enablers have employed backdoor identity theft methods or schemes, with the intention of controlling my life by using my online Experian credit reports for fraudulent activities, without any legal proof, evidence, or due process of the law. Their actions resemble those of vigilantes, denying me the protection of the law and suggesting that I have stolen my own identity from individuals of XXXX or XXXX descent or from a XX/XX/XXXX individuals, all without due process of the law. \n\nIt is evident that the fictitious, similar, or exact name individuals purpose behind these unauthorized accesses actions were to obtain hard copies of my online Experian credit reports, which the fictitious, similar, or exact name individuals intended to use for their own benefit without my consent, acknowledgement, and lawful authority. This constitutes consumer fraud, as the fictitious, similar, or exact name individuals have fraudulently presented my Experian credit reports to various governmental and non-governmental entities, such as for : apartment rental opportunities, employment opportunities, vehicle purchases opportunities, banking institutions ( in order to open bank accounts ), post educational institutions ( for applicability of admission acceptance into colleges and universities ), and contractual lease agreements. \n\nBy providing these various governmental and non-governmental entities with my online Experian credit reports without my lawful authorities, the fictitious, similar, or exact name individuals have committed acts that violates my Constitutional or Civil Rights.\n\nThese actions have violated my fundamental rights in several ways : 1. The fictitious, similar, or exact name individuals have infringed upon my guaranteed protection rights, such as the right to be secure in my person, apartment, papers, and effects against unreasonable searches, seizures, or intentional damages.\n\n2. The fictitious, similar, or exact name individuals have encroached upon my life, liberty, property, and pursuit of happiness rights.\n\n3. The fictitious, similar, or exact name individuals have deprived me of my rights to be informed of the nature and cause of accusations, as well as the right to confront witnesses against me.\n\n4. The fictitious, similar, or exact name individuals have enforced involuntary conditions of servitude against my personal identification goods, documents, authentication features, identification cards, and online Experian credit file account.\n\n5. The fictitious, similar, or exact name individuals have violated my equal protection rights.\n\nIn order to prevent such incidents in the future, I strongly recommend that Experian to implement security measures for users login credentials such as, the implementations of security keys, password encryption using programming technologies such as, Express Session and Passport ( e.g., XXXX or XXXX Libraries in Node JavaScript language ) instead of storing users passwords in plain texts within Experian database, would greatly enhance the protection of users Experian accounts and could prove beneficial in this regards. \n\nI kindly request your immediate attention and a thorough investigation into these distressing incidents of identity theft involving my online Experian credit reports. It is imperative that the responsible individuals are identified, held accountable for their actions, and appropriate measures are taken to ensure my safety, privacy, and the restoration of my rights. Any assistance and support you can provide in resolving these urgent matters would be greatly appreciated. Please contact me at my email address at your earliest convenience. \n\nThank you for your prompt attention to this serious issue. I eagerly await your response and decisive action. \n\nRespectfully, XXXX XXXX XXXX XXXX XXXX : XX/XX/2023XX/XX/2023","date_sent_to_company":"2023-05-31T18:50:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"58103","tags":null,"has_narrative":true,"complaint_id":"7053123","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-31T18:35:39.000Z","state":"ND","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It is imperative that the responsible individuals are identified, held accountable for their actions, and appropriate measures are taken to <em>ensure</em> my safety, <em>privacy</em>, and the restoration of my rights. Any assistance and support you can provide in resolving these urgent matters would be greatly appreciated. Please contact me at my email address at your earliest convenience. \n\nThank you for your prompt attention to this serious issue. I eagerly await your response and decisive action."]},"sort":[8.890358,"7053123"]},{"_index":"complaint-public-v1","_id":"13623590","_score":6.7902737,"_source":{"product":"Credit card","complaint_what_happened":"Allow me to share my correspondence that addresses all : Dear CEO of SoFi, I hope this email finds you well. My name is XXXX XXXX XXXX, and I am writing to express my concern and surprise regarding the sudden restrictions on my SoFi accounts and the closure of my credit card. As a valued client of SoFi, I have always been impressed by the company 's commitment to providing excellent financial services and support to its customers.\n\nAs an ambassador of SoFi in social media and events, I have consistently promoted the company 's products and services, highlighting their benefits and features to my network. I have been proud to represent SoFi and have always been satisfied with the level of service provided. \n\nHowever, without any prior notice or explanation, I was shocked to discover that my accounts had been restricted, and my credit card had been closed. Despite my efforts to understand the reason behind this decision, I have not received any clarification or communication from SoFi. I have allowed some time to pass, hoping that the issue would be resolved, but unfortunately, I have not seen any progress.\n\nI am reaching out to you today, hoping that you can provide insight into this matter and assist in resolving the issue. I would greatly appreciate it if you could look into reactivating my accounts and credit card, allowing me to continue utilizing SoFi 's services and representing the company as an ambassador.\n\nI understand that mistakes can happen, and I am confident that SoFi values its clients and strives to provide excellent service. I look forward to hearing from you soon and finding a resolution to this matter. \n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - SoFi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I hope this email finds you well. My name is XXXX, the Account Manager with SoFi you spoke with today. I'm writing to you as promised to provide a direct line of communication and to confirm a few important points. \n\n\n\nFirst, I will be following up with you once there's further information provided to me from our Member Security Team. Additionally, I've submitted the formal complaint on your behalf. Following this email, you will receive a confirmation that we have documented your complaint, and you should expect to hear from a Resolution Specialist within 24 to 48 business hours for further assistance. \n\n\n\nThank you for your understanding and patience. In the meantime, if you require additional assistance or have any further questions or concerns, please feel free to reply to this email or give us a call at XXXX ( XXXX ) XXXX. \n\n\n\nKind regards, XXXX A Member Service Delivery Account Manager SoFi Bank, N.A./SoFi Securities LLC XXXX XXXX Hours : XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Office of the CEO Hours : MonThurs, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. To qualify for lending products, a borrower must be a U.S. citizen or other eligible status and meet SoFi 's underwriting requirements ; see SoFi.com/eligibility for details.\n\nNotice : SoFi 's Refinance Loan is a private loan. Understand that when you refinance federal loans, you forfeit all federal repayment options that are or may become available to federal student loan borrowers. If you expect to incur financial hardship that would affect your ability to repay, you should consider federal consolidation loan options. \n\nPlease borrow responsibly. \n\nSoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.\n\nSoFi Private Student Loans are subject to program terms and restrictions and applicants must meet SoFi 's eligibility and underwriting requirements. See SoFi.com/eligibility for more information. View payment examples. ( Undergrad/Grad/Parent ). SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is {$5000.00}. SoFi 's Relay tool offers users the ability to connect both in-house accounts and external accounts using XXXX, XXXX XXXX  XXXX. The credit score provided to you is a XXXX based on XXXX ( the \" Processing Agent '' ) data. \n\nSoFi Personal Loans, Private Student Loans, and Student Loan Refinance loans are originated by SoFi Bank, N.A., Member FDIC. NMLS # XXXX ( Consumer Access - Browser Warning ). For additional product-specific legal and licensing information, see SoFi.com/legal.\n\nSoFi Bank, N.A. values your privacy and the security of your personal information, so please do not include your Social Security number in any email or letter that you send to us. \n\nSoFi Bank, N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsubscribe | Privacy Policy | Licenses XXXX SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. \n\n\n\n\nXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Thank you for your email and for taking the time to speak with me today. I appreciate your commitment to following up on my case and providing a direct line of communication. \n\nI understand that you're working through the proper channels to resolve my issue and that you've submitted a formal complaint on my behalf. I appreciate your efforts and look forward to a fair and efficient resolution. \n\nRegarding the resolution, my primary goal is to regain access to my accounts and reactivate my credit card. I'd like to request that, if possible, the credit card reactivation be processed without a hard pull on my credit score, as I have an exceptional credit history and have always paid my credit cards in full and on time. My credit score is a testament to my financial responsibility. \n\nAdditionally, I'd like to continue working with the SoFi Ambassador Program, as I value the opportunity to represent the company and promote its products and services. See here : XXXX XXXX XXXX Thank you for your understanding, and I look forward to a favorable resolution. If you need any further documentation or information from me, please don't hesitate to let me know. \n\nThank you again for your time and assistance. \n\nBest regards, XXXX XXXX XXXX XXXX XXXX  - SoFi XXXX XXXX XXXX, XXXX. ( XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I hope this email finds you well. Thank you so much for your response and for sharing your experience and feedback with me. \n\n\n\nAs previously mentioned, once an account is closed, it can not be reopened directly. However, we're committed to addressing your concerns and will thoroughly review the matter to explore any possible resolutions that can meet your satisfaction. Your requests and feedback are incredibly important to us, and we are dedicated to always prioritizing the interests of our members. I will reach out to you promptly with any updates. \n\n\n\nThank you very much for your understanding and patience. In the meantime, if you require any additional assistance or have further questions or concerns, please feel free to reply to this email or call us at XXXX ( XXXX ) XXXX. \n\n\n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thanks a lot for all you do. I look forward to hearing from you soon about any possible resolution. \n\nBest, FYI Begin forwarded message : From : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Subject : Closed profile XXXX Reply-To : XXXX Dear XXXX, Thank you for bringing your concerns to our attention regarding your account closure. \n\n\n\nDue to the behavior identified to be in violation of the SoFi Bank Deposit Account Agreement, your account ending in XXXX was closed on XX/XX/XXXX. \n\n\n\nWe appreciate the opportunity to have served you. \n\n\n\nKind Regards, XXXX XXXX XXXX XXXX XXXX. \nMy Office Hours : Mon & Thurs, XXXX Tues, Wed & Sun Off Fri XXXX Sat, XXXX XXXX Direct Line XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. To qualify for lending products, a borrower must be a U.S. citizen or other eligible status and meet SoFi 's underwriting requirements ; see SoFi.com/eligibility for details.\n\nNotice : SoFi 's Refinance Loan is a private loan. Understand that when you refinance federal loans, you forfeit all federal repayment options that are or may become available to federal student loan borrowers. If you expect to incur financial hardship that would affect your ability to repay, you should consider federal consolidation loan options. \n\nPlease borrow responsibly. \n\nSoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.\n\nSoFi Private Student Loans are subject to program terms and restrictions and applicants must meet SoFi 's eligibility and underwriting requirements. See SoFi.com/eligibility for more information. View payment examples. ( Undergrad/Grad/Parent ). SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is {$5000.00}. SoFi 's Relay tool offers users the ability to connect both in-house accounts and external accounts using XXXX, XXXXXXXX XXXX XXXXXXXX. The credit score provided to you is a XXXX based on XXXX ( the \" Processing Agent '' ) data. \n\nSoFi Personal Loans, Private Student Loans, and Student Loan Refinance loans are originated by SoFi Bank, N.A., Member FDIC. NMLS # XXXX ( Consumer Access - Browser Warning ). For additional product-specific legal and licensing information, see SoFi.com/legal.\n\nSoFi Bank, N.A. values your privacy and the security of your personal information, so please do not include your Social Security number in any email or letter that you send to us. \n\nSoFi Bank, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX Unsubscribe | Privacy Policy | Licenses XXXX SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. \n\n\n\n\nXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX, Hope this email finds you well. I am not sure if you got the chance to look at my FYI below but I have to admit that that email did not bring anything new to the table. That update is not different from what I keep being told each time I reach out to customer service without providing any further details. It's so unfortunate to know that Sofi treats its most valued customer so poorly, I even served and provided my social media accounts as an ambassador of your brand. \n\nAgain, thanks for your time and consideration. \n\n\nBest regards, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX you are well. I am not sure you saw my emails below. \n\nThank you, XXXX XXXX XXXX XXXX SoFi XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope this message finds you well. I attempted to reach you by phone but was unable to connect. I wanted to confirm that I have received your previous emails regarding the response from our Resolution Specialist and your request for a resolution.\n\nThe Resolution Specialist reached out to you in response to the formal complaint I filed on your behalf. Additionally, as promised, I collaborated with our Member Security Team to conduct a thorough review and ensure that no errors were made. I understand that you are seeking to have your previous SoFi accounts reopened without affecting your credit and to continue working with our Inner Circle Ambassador Program.\n\nAfter a comprehensive review by our Member Security Team, it's been confirmed that the closure of your accounts wasn't an error and was due to a violation of the SoFi Bank Deposit Account Agreement. Unfortunately, we're unable to reopen or reactivate these accounts. For SoFi Banking specifically, you wouldn't be able to open another account. However, you are welcome to apply for other SoFi products, although we can not guarantee approval.\n\nRegarding your participation in the SoFi Inner Circle Ambassador Program, one of the eligibility requirements is that participants must be SoFi Members in good standing with their SoFi products. Regrettably, the closure of your accounts due to the violation of our agreement means that you aren't in good standing and are currently not eligible for the program. \n\nI wish we could provide more detailed information about the specific activity that led to the closure, but as previously communicated, for security reasons, we're unable to do so. I hope you can understand the importance of maintaining the security and integrity of our systems and processes. \n\n\n\nI fully understand that this resolution is not what you anticipated, and I'm truly sorry that we were unable to meet your expectations. We genuinely appreciate the opportunity to have been a part of your financial journey and are deeply sorry for the inconvenience this has caused. \n\n\n\nThank you for your patience and understanding. If you need any additional assistance, please dont hesitate to reply to this email or call us at XXXX ( XXXX ) XXXX. Our team is here to support you. Additionally, if you prefer, you can schedule a convenient time for our team to reach out to you directly through this link XXXX XXXX XXXX XXXXXXXX Kind regards, XXXX A Member Service Delivery Account Manager SoFi Bank , N.A./SoFi Securities LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Office of the CEO Hours : MonThurs, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX : Hope this email finds you well. I have one last request : please proceed with closing my Sofi account/ login information. I kindly request that my profile is deleted. I am still able to login in by using my email XXXX. I tried finding an option or feature for closing my profile but I could not locate it. \n\nThanks in advance for your assistance. \n\nBest, XXXX XXXX XXXX - SoFi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I hope this email finds you well. I've received your request to deactivate your profile. While we're sorry to see you go, we're committed to respecting your decision to deactivate the profile completely and will proceed with your request promptly. \n\nBefore we deactivate your profile, could you please confirm that you have downloaded any necessary account or tax statements? Once your profile is deactivated, you will no longer have access to these documents. \n\nThank you for your attention to this matter. Once you confirm, I will proceed with deactivating your profile. \n\n\n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  Thank you. Please proceed with the closure of my profile. \n\n\nXXXX XXXX - SoFi XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I hope this message finds you well. \n\n\nWe've received your request to deactivate your profile, and we understand that this decision comes after your dissatisfaction with the outcome of our internal review. We sincerely appreciate you sharing your experience and providing valuable feedback. The opportunity to have been a part of your financial journey has been meaningful to us, and we respect your decision. \n\n\n\nI'm pleased to inform you that your profile has now been successfully deactivated and we no longer have access to your credentials If you require any additional assistance or have further questions or concerns, please do not hesitate to contact us at XXXX ( XXXX ) XXXX. We're here to support you in any way we can. \n\n\n\nThank you for your understanding and cooperation. We wish you all the best in your future financial endeavors.","date_sent_to_company":"2025-05-20T14:51:48.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"20010","tags":null,"has_narrative":true,"complaint_id":"13623590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2025-05-20T14:38:57.000Z","state":"DC","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["SoFi Bank, N.A. values your <em>privacy</em> and the <em>security</em> of your personal information, so please do not include your Social <em>Security</em> number in any email or letter that you send to us. \n\nSoFi Bank, N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsubscribe | <em>Privacy</em> Policy | Licenses XXXX SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved."],"issue":["Other <em>features</em>, terms, or problems"]},"sort":[6.7902737,"13623590"]},{"_index":"complaint-public-v1","_id":"5155000","_score":5.8129077,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To whom it may concern : On XX/XX/2021, approximately $ XXXXworth of cryptocurrency stolen from my account at Kraken. While Kraken ultimately held custody and control of the funds, the exchange did not compensate me for the theft nor provide a sufficient explanation as to how the funds were depleted from my account. \nId opened my account at Kraken on/in XX/XX/2021 and had been adding funds to it on a regular basis. I added Kraken pro to my account on XX/XX/2021 to give me higher funding limits. I also set up a number of security features to ensure that my account could not be easily hacked such as a 2FA, a very strong password and a computer with a dedicated anti-virus software. \nImmediately preceding the incident, I had over {$70000.00} worth of Bitcoin, XXXX, XXXX, Bitcoin Cash, and Ethereum in my Kraken account. \nOn XX/XX/2021, I was locked out of my account. After several days of lock-out, on XX/XX/2021, I was able to access my account and ascertain that my entire portfolio had been converted into Bitcoin and transferred out of Kraken. Between the time of the withdrawals and the time I regained access to my account, Kraken did not notify me of any activity on the account. Prior to this theft, for every trade or withdrawal made, I received an email, but on XX/XX/XXXXor anytime thereafter, I did not receive any emails confirming a withdrawal. \nWhen I notified Kraken that all my funds had been withdrawn by an unauthorized user, Kraken informed that I had been phished and offered the following explanation : 1 ) According to Kraken, I had clicked on a malicious link that appeared as if it were Krakens platform, but was in fact an impostor exchange. ( My response : I am very careful of this and always double check my information ) 2 ) According to Kraken, I clicked on an email that redirected me to a malicious website that was designed to appear like Krakens exchange platform and that someone was able to get into my third party authenticator. ( My response : I never click on any email links or open emails from unknows addresses, instead I go to the company website directly if I know I have an account with the sender and enter through the secured site ) In addition, Kraken informed me that the e-mails were sent to me confirming the trades and cash out, however I never received those emails. I checked my email settings and they were not tampered with or changed in any way. I asked Kraken to resend me the confirmation emails of withdrawal and they never did.\n\nTo the best of my knowledge I was not phished, and I do not know how Kraken determined that I had been phished.\n\nI am very well versed in different phishing schemes due to my employment as I have worked hundreds of cases involving fraud and phishing. I was never solicited to \" go to a Kraken Crypto Exchange site, nor did I go to any site that was not Kraken. Furtherm\nore, I use a computer that is very closely monitored, and I do not surf the web on the computer I use for my cryptocurrency investments. \nAfter the incident, I ran a number of diagnostics on my computer and did not find any malware, viruses, or other suspicious software. I also checked my email settings as stated above, and there were no traces of suspicious activity such as hiding, deleting, or removing information/emails. \nMy third-party authenticator was on my phone, not my computer. I never conducted any trades from my phone, and I use a dedicated computer for investing in cryptocurrencies. \nOn XX/XX/2021, I filed a complaint with IC3.gov. See attached While Kraken claims that I was a victim of a phishing scam, there are several discrepancies in Krakens account of the incident : Kraken claims and wrote that I was sent an email ( s ) that reference that fraudulent transactions. However, I never received these e-mails, and when I requested proof that these e-mails were sent to me, Kraken failed to provide it.\n\nKraken sent the IP Address from which my account was logged into. The IP is a well-known Spam IP Address ( See XXXX  : XXXX XXXX XXXX XXXX XXXX  : XXXX ). These logins occurred two hours after my own attempts to log in to my account. At this point, I was already locked out of my account. It follows that while I was locked out of my own account, Kraken had somehow allowed the hackers to log in and withdraw my funds. ( My IP home address is XXXX Florida not XXXX XXXX - See Below spam IP address per Kraken ). \nBelow you will find emails between myself and from Kraken. Attached you will find all transaction history for my account with Kraken to include the theft.\n\nI appreciate in advance any assistance you can provide in this matter. \n\n\n\nRespectfully, XXXX XXXX XXXX ( Kraken Support ) XX/XX/2021, XXXX PDT Hello XXXX, Important security alert, read carefully : Our security system has flagged your account and temporarily disabled it for some additional checks. \n\nYou must complete the following steps and reply with the requested response before we can fully unlock your account. \n\nPrior to regaining access to your account, it is critical that you immediately secure your Kraken account password, your email accounts and your devices. The following general steps may assist you with this process : 1. Scan your computer and all devices for malware and keyloggers and take the necessary steps to ensure your devices are malware free.\n\n2. Change your email account passwords. They should be unique, randomly generated and longer than 15 characters. Do not share passwords between services ( e.g. same password used for both your Kraken account and your email account ). Use a password manager such as KeePassXC to generate random passwords and to keep your passwords safe from theft or forgetfulness.\n\n3. **Reset your Kraken account password by navigating to : https : //www.kraken.com/en-us/forgot-password. Please follow the same recommendations outlined in point two.\n\nNote : You will still not be able to sign in after your password is reset.\n\n4. Add ( or change ) the Two-factor Authentication method on your email account and secure the account as indicated in this support article.\n\n5. Remove any unofficial Kraken Apps from your mobile devices as soon as possible. Our official mobile apps, published by XXXX XXXX XXXX, are listed in our Support Center. Other apps claiming to be official Kraken apps are not ours and are likely to be scams.\n\n6. If you have downloaded a fake Kraken or cryptocurrency app to your device, we advise to backup any required data and factory reset the device.\n\nOnce you have secured your Kraken Account password, your email accounts and your devices, copy and paste the following line into a reply to this email : \" I hereby confirm that I have followed the above instructions and secured my **Kraken account password, my email accounts and my devices. '' **if you lost access to the email address associated with your Kraken account ignore this step but proceed to secure your devices and the email address you are currently using.\n\nWe won't be able to offer anything beyond general advice regarding your case until the above steps and security procedures have been completed. \n\nWe look forward to your reply. \nKind regards, XXXX XXXX Client Engagement Keep your Kraken account secure with these tips : Add an Authenticator App or Yubikey for Login : https : //support.kraken.com/hc/en-us/articles/360000426923 Beware of Phishing Scams : https : //support.kraken.com/hc/en-us/articles/115012482687-Beware-of-Phishing-Scams Protect your account using a strong and unique login password that you do not use for anything else. We recommend you change your password regularly. \n\nIf you would like to reply to this message, please reply directly or access the Help Center from https : //support.kraken.com/hc/requests/5390066. \n\n\n\n\nXXXX ( Kraken Support ) XX/XX/2021, XXXX PDT Hello, Thank you for contacting Kraken Support. Your request ( XXXX ) has been received. \nPlease read the following steps carefully and reply to this email once you have completed them. \nWe kindly ask you to perform the following steps : - Attempt to sign into your account from a device and/or IP address which you have previously used. \n- If you have access to your authenticator codes please make sure that the time on your device is set to automatic and that you are using the correct 2FA code for Sign-in ( Kraken Sign-in 2FA ).\n\n-If you no longer have access to the Sign-in 2FA code for your Kraken account, enter a random code into the Sign-in Two-Factor Authentication. ( This attempt will likely be unsuccessful, but will provide us with information needed to assist you further. ) - ONCE YOU HAVE COMPLETED THIS SIGN-IN ATTEMPT, REPLY TO THIS EMAIL TO LET US KNOW XXXX \nWhen we receive your email, further instructions will be emailed directly to the address on your Kraken account. If you have successfully accessed your account, reply to this email to let us know. \nThank you for your cooperation. \nRegards, XXXX XXXX Client Engagement Increase account security with two-factor authentication : https : //support.kraken.com/hc/articles/360000426923 XXXX ( Kraken Support ) XX/XX/2021, XXXX PDT Hello XXXX, Thanks for your patience. \nYour Kraken account has been unlocked, but trading and withdrawals will remain temporarily locked until you complete the following steps. \n\nWe kindly ask you to sign into the account and complete the following : Generate a new Sign-in 2FA using an Authenticator App or XXXX. \nDelete any unfamiliar withdrawal addresses. To delete a withdrawal address : click 'Funding \" > click 'Show all assets ' > select 'Withdraw ' next to a specific cryptocurrency > Select 'Manage ' > click X in the red box to delete the withdrawal address. \nPlease take note of any unfamiliar withdrawal addresses before replying to this email as they may be removed by our system before your account is restored. \nWe highly recommend you delete any API keys on the account and regenerate new ones. \nWe highly recommend removing any Active Sessions or Devices that you do not recognize. Please take note of any unfamiliar IP addresses before removal, as they will not be visible for review later. \n\nOnce you've completed the steps above, let us know in a reply to this email so we will unlock trading and withdrawals on your account. \nKind regards, XXXX XXXX Client Engagement Keep your Kraken account secure with these tips : Add an Authenticator App or Yubikey for Login : https : //support.kraken.com/hc/en-us/articles/360000426923 Beware of Phishing Scams : https : //support.kraken.com/hc/en-us/articles/115012482687-Beware-of-Phishing-Scams Protect your account using a strong and unique login password that you do not use for anything else. We recommend you change your password regularly. \n\nYour request ( number XXXX ) is currently marked in our system as Pending, which usually means we are waiting for additional information from you before we can solve your issue. \n\nXXXX ( Kraken Support ) XX/XX/2021, XXXX : Hello XXXX, Thanks for your patience. \n\nYour Kraken account has been unlocked and your Sign-in 2FA has been removed but trading and withdrawals will remain temporarily locked. \nImportant, please read through this email in full detail. \n\nBefore proceeding with the next steps, we recommend you review your recent browsing history and provide us with any Kraken URL that differs from http : //kraken.com/ so we can report them and have them taken down. Please do not navigate to the page and never enter your credentials anywhere other than http : //kraken.com/ You must complete the following steps and reply with the requested response before we can unlock trading and withdrawals on your account. \n\nAfter further review of your account security we would like to advise you on the following : Do not use search engines to navigate to https : //www.kraken.com - even the most reliable search engines can lead you to a phishing website ( especially the most used ones! ). \nDo not use links suggested in your browser 's URL bar to navigate to https : //www.kraken.com - this practice can still lead you to a phishing website. \nAvoid clicking on suspicious links prompting you to enter your credentials. Only enter your credentials if the URL is https : //www.kraken.com/sign-in Bookmark the Kraken sign-in page on your browser or device to avoid the use of search engines or other means to find links to Kraken. \nBeware of phishing scams. See this support article for more information. \nDelete your browsers ' history and cookies to avoid automated suggestions of phishing links you may have navigated to in the past.\n\nWe kindly ask you to sign into the account and complete the following steps : Generate a new Sign-in 2FA using an Authenticator App or XXXX. \nDelete any unfamiliar withdrawal addresses. To delete a withdrawal address : click 'Funding \" > click 'Show all assets ' > select 'Withdraw ' next to a specific cryptocurrency > Select 'Manage ' > click X in the red box to delete the withdrawal address.\n\nPlease take note of any unfamiliar withdrawal addresses before replying to this email as they may be removed by our system before your account is restored. \nWe highly recommend you delete any API keys on the account and regenerate new ones. \nWe highly recommend removing any Active Sessions or Devices that you do not recognize. Please take note of any unfamiliar IP addresses before removal, as they will not be visible for review later. \nEnsure that your account is secured to your satisfaction. We highly recommend enabling a Master Key using a different device or a different method than the one used for your Sign-in 2FA.\n\nReview this support article for further information on securing your Kraken account and digital life. \n\nOnce you have completed the steps above, please copy and paste the following line into a reply to this email and we will unlock trading and withdrawals on your account : \" I hereby confirm that I have secured my Kraken account and I would like to unlock withdrawals and trading. I also confirm that I have read and understood the information given on avoiding phishing scams. '' We look forward to your reply. \nKind regards, XXXX XXXX Client Engagement To the best of my knowledge I was not phished. \nI take phishing classes every year to keep my qualification up in my employment for both the XXXX XXXX and XXXX XXXX. I was never solicited to go to a Kraken Crypto Exchange site. Nor did I go to any site that was not Kraken.Com. \n\n\nI have antivirus and when I ran it on my computer I had zero viruses or malware.\n\nMy third-party authenticator was on my phone, not my computer, equaling two separate devices.\n\nI never conducted any trades from my phone or signed into the Kraken Exchange.\n\nA complaint with IC3.Gov with negative results on any replies.\n\nI am respectfully requesting Proof from Kraken that they sent me emails of the transactions and to reverse the exact coins that were stolen from their Exchange. \n\nAnother Clue as to why I think this was done on the backend of the Kraken Exchange was because I was locked out of the account just prior to the theft. Once I tried to log in, its my opinion it alerted the suspects Trojan Horse in the backend of the Krakens Exchange that had logged in earlier from the spam IP Address. \nThis gives the appearance that I led the suspect in or was doing the transactions myself. But was never able to get in, See Browser History : My Activity on XX/XX/2021 : XXXX  Browser XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX https : //www.kraken.com/en-us/prices? quote=USD XXXX XXXX Web Search clicked on a Kraken.Com Sight ( See highlighted link that was clicked ) https : //www.kraken.com/reset-password XXXX XXXX  Kraken.com website to create a new password https : XXXX? XXXX XXXX XXXX XXXX Web Search clicked on a Kraken.Com Sight ( See highlighted link that was clicked ) https : //www.kraken.com/reset-password XXXX XXXX Kraken.com website to create a new password https : //www.kraken.com/sign-in XXXX XXXX  sign in page to Kraken.com https : //www.kraken.com/reset-password XXXX XXXX- Kraken.com website to create a new password https : //www.kraken.com/sign-in XXXX XXXX sign in page to Kraken.com The suspect also knows Krakens protocols to delete browser history. \nI was given instructions to delete evidence needing to investigate this case ( delete Browser History ). See Below : XXXX  : XXXX XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX PM to me # # - Please type your reply above this line - # # Thanks for contacting Kraken Support. Your request ( XXXX ) has been received. \nWe'll reply to your ticket as soon as possible, but in some cases it can take several days if we experience a heavy volume of requests. \nWe have site content that answers many of the most common support questions. Please take a moment to visit the pages below and see if your question is answered there. \nhttps : //support.kraken.com/hc/categories/200119723-Kraken-Help-Center https : //support.kraken.com/hc/categories/200187143-Kraken-Trading-Guide https : //www.kraken.com/help/api If you're able to solve your request before we reply, we'd be grateful if you let us know by replying to this email. \nThanks for your patience. Youll be hearing from us soon. \nThe Kraken Support Team XXXX ( Kraken Support ) XX/XX/2021, XXXX PDT Hello XXXX, Thank you for your patience. \n\nAccording to our review, on XXXX XXXX XXXX a successful sign in was made on your account from XXXX XXXX using your valid credentials including a valid 2FA codes. If you do not recognize the IP above then you may ha\nve been a victim of a Phishing attack where a user 's credentials ( username, password, 2FA codes, etc. ) have been captured in some way - usually through a phishing website, email or similar. \n\nAfter a successful sign in, a withdrawal address ( XXXX ) was added and approved on your account on XXXX XXXX XXXX from XXXX XXXX. The assets on your account was then converted into XXXX and was withdrawn to the above address. \n\nIt's important to note that whenever a new cryptocurrency withdrawal address is added on a XXXXaken account, an email notification is always sent to the registered email address. Our system data confirms that you have received an email notification for this address and the withdrawal address was subsequently approved via your email account. \n\nUnfortunately, we are unable to assist with the recovery of any disputed funds due to the irreversible nature of cryptocurrency transactions. \n\nFor Compliance reasons, a detailed discussion on this matter can only be conducted with a verified law enforcement official. We advise that you file a police report and ask that law enforcement officials responsible for this investigation contact us by submitting the Compliance and Legal Support Request Be sure to provide them with your public account ID and/or this ticket number ( XXXX ) for referencing. \n\nImportant : To expedite the process, please reply to this message stating that you authorize us to share company data regarding your account with law enforcement. Also, please ensure that the law enforcement agency include a statement in their request to Kraken that you ( our client ) authorize the company to provide data directly to the law enforcement agency without a court order. You must do both. If you omit either step - you providing consent directly to us or the law enforcement agency informing us about that consent - then we may be delayed in providing your account information.\n\nIn the meantime, we are pleased to inform you that your Kraken account is once again fully operational. We appreciate your patience and understanding during this process. \n\nXXXX ( Kraken Support ) XX/XX/2021, XXXX PDT XXXX XXXX - Given your position and the positive relationship we have with law enforcement, we have done an additional review of your account. Unfortunately, every indication in our logs and records suggests that you either have malware on your computer that captured your credentials or that you entered your credentials- including your 2FA - into a phishing site. Those credentials were then used to access your account. The attacker then added and confirmed a new withdrawal address and removed funds. Given that the withdrawal address was confirmed through your e-mail, it is highly likely that you either entered your e-mail credentials into a phishing site or that you have malware on your computer. \n\nUnfortunately, given that your credentials and e-mail account were used for the withdrawals, we are not in a position to reimburse you for any funds lost. If you require additional logs or records on this matter, we are happy to provide them. \nBest Regards, XXXX XXXX Client Engagement https : //www.kraken.com Beware of crypto investment scams and other types of fraud. We advise you to read our blog post for more information. https : XXXX Be informed of your Privacy rights here : https : //www.kraken.com/legal/privacy Follow us on XXXXXXXX XXXX XXXX  Your request ( number XXXX ) is currently marked in our system as Solved, which means we think your issue has already been resolved. \nIf it has not yet been resolved, let us know by replying to this email. \nTo protect your personal information, we ask that you delete this email thread. \nThis email is a service from Kraken Support. Delivered by XXXX.","date_sent_to_company":"2022-01-26T16:41:17.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"32258","tags":"Servicemember","has_narrative":true,"complaint_id":"5155000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payward Ventures Inc. dba Kraken","date_received":"2022-01-26T16:08:49.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I also set up a number of <em>security</em> <em>features</em> to <em>ensure</em> that my account could not be easily hacked such as a 2FA, a very strong password and a computer with a dedicated anti-virus software. \nImmediately preceding the incident, I had over {$70000.00} worth of Bitcoin, XXXX, XXXX, Bitcoin Cash, and Ethereum in my Kraken account. \nOn XX/XX/2021, I was locked out of my account."]},"sort":[5.8129077,"5155000"]},{"_index":"complaint-public-v1","_id":"12233817","_score":5.546503,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] responding to job offer XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Welcome aboard! XXXXXXXX XXXX XXXX  Insurance company. XXXX XXXX XXXX, one of the Supervisors/ HR Managers at XXXX XXXX I will be the XXXX XXXXXXXX In charge of your job interview/ comprehensive briefing about the company and position available. \n\nDue to the disparities in our locations and schedule, the interview will be conducted online via XXXX, for ease of communication as well as Quality Control and Record-keeping/Reference purposes. I believe you are okay with that and ready for the process? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] yes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] It's nice connecting with you. Just follow the briefing and interview process, you can ask questions when I am through and I will be glad to answer them. Your prompt response would be our priority. Respond with an \" okay '' after each paragraph so I know you have read and understood okay. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX is a global financial services and technology company that specializes in insurance, reinsurance, asset management, and real estate services. Founded in XXXX and headquartered in XXXX XXXX, Michigan, XXXX has grown rapidly through a unique partnership model and strategic acquisitions. \n\nThe company operates across multiple sectors, providing innovative solutions to meet the diverse needs of individuals and businesses. XXXX leverages advanced artificial intelligence and technology to enhance its service offerings, ensuring efficiency and customer satisfaction. \n\nXXXX is renowned for its decentralized approach, allowing its local agency partners to maintain autonomy while benefiting from the companys global resources and support. This model has fueled its impressive expansion, making it one of the fastest-growing brokers in the world. \n\nI believe as we proceed you will get to know and understand more. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Data Entry Responsibilities and Duties : Transferring data from paper formats into computer files or database systems Typing in data provided directly from customers Creating spreadsheets with large numbers of figures without mistakes Transfer data from paper formats into computer files or database systems using keyboards, data recorders, or optical scanners. \nType in data provided directly from customers Create spreadsheets with large numbers of figures without mistakes. \nUpdate existing data. \nRetrieve data from the database or electronic files as requested. \nPerform regular backups to ensure data preservation. \n\nProven experience as a data entry clerk. \n\nFast typing skills ; Knowledge of the touch typing system is strongly preferred. \nExcellent knowledge of word processing tools and spreadsheets ( XXXX XXXX XXXX, XXXX, etc. ) Working knowledge of office equipment and computer hardware and peripheral devices. \nBasic understanding of databases. \nGood\n\ncommand of English both oral and written and customer service skills. Great attention to detail High school degr\nee or equivalent Assignments will be sent to you via e-mail or IM and you will report directly to your immediate supervisor. NOTE : You will be trained on it. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] The working hours are flexible and you can choose to work from anywhere of your choice ( this is strictly a remote position ). The Pay is {$35.00} per hour during working hours and the training is {$22.00} per hour you will be getting your payment weekly via direct deposit. Working hours are 40 hours weekly ( 8 hours daily ). If you are employed, you are going to be working as a full-time or part time employee and not an independent contractor. Benefits include XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , Employee Wellness and 401k plans. Paid Time Off and Holidays with Company Discounts. \n\nLet me know if you are still interested so we may proceed? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Here is the company 's website XXXX You are required to review it and get familiar with our achievements, mission, vision, and other vital information while we proceed with the interview. \n\n\nMay we proceed with the interview questionnaire? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You are to have the Following Questions answered : What are your Full names, and where are you located at? \n\nAre you currently employed? \n\nAre you available to start immediately? \n\nAre you seeking a part-time or full-time job? \n\nHow many hours will you be able to devote to the company daily? \n\nHow long are you expected to work for us if hired? \n\nWhat are career goals? \n\nPayroll Method of payment ( Direct deposit / Wire Transfer / Paycheck ) What do you understand by privacy and code of conduct?\n\nDo you have a Printer, Fax Machine, Scanner, and a Photocopier?\n\nHave you ever been interviewed online before by a different company?\n\nIn a grade of % 100, how much can this company depend on you for your loyalty, diligence, hard work, team spirit, and sincerity? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I am not currently employed. i can start immediately. I am seeking full-time employment. I can work 8 hours a day. I plan to work for a long time. My career goals are to be an excellent employee and prove my worth to the company. I want direct deposit. Yes, I have an office and it is a private area. I have a printer, Fax Scanner and a photocopier. I have never been interviewed online before. I will be % 100 loyal to the company. I will be sure to be diligent. I will work hard. I believe in team spirit and sincerity? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] Your responses have been reviewed ; the percentage scored for the interview just conducted is on my screen. Due to your level of experience and communication skills. XXXX  company has decided to give you a chance to work for the company and will like to see your diligence, XXXX, XXXX to this job... congratulations! \n\nWe are pleased to welcome you to our team, you qualified for the role! \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] WORKING WITH US At XXXX. we understand that employees are our most valuable assets so we offer competitive remuneration packages to attract, retain and reward suitable and capable candidates who can add value to the growth of the Company. We believe in the exploration of creativity, skills, and continuous learning to become leaders. Leaders who are problem solvers, customer-centric, passionate to XXXX, and can take initiative on their own. \n\nWe encourage the development of knowledge, interpersonal skills, and business competencies. Our employee training programs provide in-house/external instructor-led and online training opportunities. During your training and orientation, one of the organizations supervisors will reach you via e-mail or phone. Also, he/she will put you through our company 's guidelines under US Human Resources Laws and Regulations. \n\nThe Company is obligated to protect its intellectual property, respecting the intellectual property rights of others and protecting the security and privacy of personal information collected by the Company, including information about our customers, employees, and business partners. \n\nDo you understand? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Ethics and compliance are to ensure and reinforce ethical behavior and compliance with all applicable rules and regulations. It enhances our ability to achieve business and strategic objectives consistent with our mission and values. Through ethics and compliance, trust and confidence are encouraged on the part of customers, staff, shareholders, other mining service providers, educational institutions, payors, and the communities we serve. \n\nAll we need from you is good work and trust and you will enjoy every moment of working with us. Can we get good work and trust from you? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Absolutely, Our benefit programs are designed for the unique needs of each employee. You will be eligible for benefits after ( 30 ) days of working with the company. We are always looking to improve our benefits program. Here are some key features of our current offering : The best possible health, dental, and vision care for you and your family Life insurance 401 ( k ) 6 % employer match 10 days of paid leave Flexible work schedule XXXX XXXX Account XXXX XXXX XXXX ( up to {$50.00} per month ) Accident and XXXX XXXX XXXX XXXX tuition for children of employees Your paperwork ( job offer letter, Code Of Conduct, and XXXX Form W-4 ) will be sent to you in Soft-copy via email by one of the company 's HR Supervisors. \n\nWhat is your preferred email address? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Financial Strength is related to our organizations financial performance and policies to ensure our continued ability to fulfill XXXX  culture, mission, and vision. Financial strength is a basis for strategic planning, new services, decision-making, priority setting, compensation, recognition, and reward. Your payment will be made to you weekly ( Friday of every week ) via direct deposit or check. \n\nWhat is the name of the Financial institution you operate with to see if it tallies with the company 's official salary payment accounts? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] You will undergo a week of training and a week of orientation which will begin as soon as you have all the working materials and you can rest assured that you will be paid for it. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You will receive your duties online every day and I will always be online to assist you with any difficulties. \n\nCan you handle the Job duties if you are being trained for it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] You will need Accounting software programs and a Time Tracker to begin your training and orientation and most importantly, you need the software to get started with work as soon as possible. \n\nNOTE : The work of the time tracker is to evaluate your working hours from the company 's server for payment purposes as this will be an online/remote position. \n\nHere are the names of the software programs you will need to start work with : A brand new laptop, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Customized ), and a XXXX XXXX. \n\nAre you familiar with the above software programs? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Some of them. Will the company supply them? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] The funds needed for the programs and equipment to set up your home office will be provided for you by the company via eCheck. The check will be issued by one of the company 's affiliates in the US to ensure swift delivery. The check will cover the cost of a laptop, printer, scanner, and time tracker with a high-speed internet connection you need to start work with. \n\nEnsure to utilize the funds as instructed for the software programs/working equipment and I will refer you to one of the company 's certified vendors you are to purchase them from at a discount rate due to the company 's long-lasting relationship and bilateral agreement with them. The vendor will be responsible for completing the installation of the software programs with the required updates and patches before shipping them to you. \n\nAll working materials come with our corporate logo branded on them. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] The accountant would like to verify if you are able to handle Mobile banking, specifically mobile check deposits. This is because most of our employees these days use mobile check deposits to receive their startup check. If you are unfamiliar with mobile check deposit, it involves receiving a check PDF copy via email, printing it out, signing and endorsing the back, and taking pictures of the check to process the deposit with your mobile bank app. \n\nThe funds will be available for use within 24 hours or more so you can start purchasing your work materials. If you are able to handle mobile banking and mobile check deposits, please let us know so that we can proceed further steps.\n\nLet me know if you can handle it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Yes, I can handle mobile banking. I have this ability with my personal bank. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] I need you to provide the following information accurately for our employee personnel files : Name : Address : City : State : Zip Code : Cell : To enable my Secretary to enlist it into the company 's database for proper documentation in compliance with the onboarding process. \n\nSome information will also appear on your job offer letter which will be sent to your preferred email. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AM ] You are to choose between these shifts> First shift XXXX XXXX XXXX, Second shift XXXX XXXX XXXX  and third shift XXXX XXXX XXXX and you can as well decide to work more hours up to 8 hours as working hours are flexible. Working hours are flexible you can choose every day between the shifts. As for your duties, Ill assist you with any difficulties by email. You can as well work for the whole day and you are % 100 assured of getting paid for it. All activities and corresponding time are to be recorded in an XXXX spreadsheet... You will Earn $ XXXX, You will receive your pay via Pay check or direct deposit weekly, Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Second shift XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ] I believe with the expertise of the company 's supervisors, your training and orientation will go on smoothly without any issues or hindrances if you are willing to learn. Employee Engagement at XXXX is to mobilize all staff to develop and utilize their full potential aligned with the organizations objectives in the areas of character, compassion, competence, compliance, and cooperation. It includes each employee putting forth the extra discretionary effort and the likelihood of remaining loyal with the organization for a long period. The work environment and climate must support the well-being, development, and initiative of staff to achieve full participation and performance excellence. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Do you have any questions at this time? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX AM ] You said that the home office will be provided to me by the company via eCheck, When can this be anticipated. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] This process will commence as we continue the process on the onboarding signing of the paperwork. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] This job offers flexible hours but you are to report online by XXXX XXXX ( your time zone ) daily for any duties, tasks, and assignments until your actual work from home begins. Okay? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] I believe you have the XXXX  messenger app installed on your mobile phone device? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] yes XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay, sorry XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Hang on online for your Paperwork through email as I get back to you shortly with update on getting started okay XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] I need you to check and refresh your email inbox and other folders and let me know once you receive your Paperwork? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] okay, i received the documents XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Sounds good. Have the employment offer letter completed electronically or print off and return as will be forwarded to the HR department for proper documentation. Is that clear? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] Okay XXXX XXXX, [ XX/XX/XXXX XXXX AM ] i will print of the documents, sign them and return them asap XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Perfect! Hang on online for your start up check through email as i get back to you shortly with an update on getting started with orientation okay. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay, give me 45 minutes, need XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] ink XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Check your email now and notify me if you have received the start up check? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX AM ] printing and scanning currently XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] Great! Follow up with the instructions printing off the check and make sure you endorse the check properly. Proceed and have the check deposited and send me a screenshot confirmation for the record. \n\nHow soon will it take you to accomplish this task and get back to me here with a deposit confirmation for record as we proceed with more information on getting started? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] about XXXX minutes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX AM ] Alright, no problem. Take your time. Let me know if you need any help with the instructions or setting things up. Provide to me with the deposit receipt / screenshot confirmation once completed for record and documentation okay XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] attached are the document XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Acknowledged. We are looking forward to working with you soon as a team. If you have any additional questions or require further assistance, please don't hesitate to reach out. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Thank you and have a lovely day. Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Have the start up check deposited and Provide to me with the deposit receipt / screenshot confirmation once completed for record and documentation okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Got it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] My bank back east will not accept your check XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] How did you try to deposit it? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] You should know this check format is for digital mobile deposit only. It wont be accepted by ATM or XXXX. A paper check is what they accept. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Via my phone app XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Please hold on for a bit. They ll send you another check that will be compatible with your bank. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] thank you XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] copy of deposit XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Deposit acknowledged. What is the deposit funds availability status at the moment? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] {$500.00} today the rest tomorrow XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] You will be deducting {$200.00} for yourself as that serves as sign on bonus and the reason why the company is giving all the newly employees Sign on bonus is to motivate them on commencement. Is that understood? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Thank you so much! Training hours from XXXX XXXX XXXX XXXX XXXX, correct. Training starts XX/XX/XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] How do i get the computer, with the programs loaded. Do you have a service provider? \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Yes. But training hours will be scheduled between you and your training supervisor that would be attached to you online to begin orientation. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] For now, You are needed to obtain the Time Tracker and Data Reader from the company accredited vendor which enables us to track the number of hours you spend daily during your training and working hours so you can be paid hourly. Without the Time Tracker, the company will not be able to calculate your training and working hours daily. Its coming from the Company 's verified Vendor, The software vendor will be responsible for installing the software and any update and patches. Your Time Tracker and data reader installation will cost you {$350.00} I believe youre familiar have have access with payment options through XXXX, XXXX wire transfer or cash app? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Yes XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Which of them do you have access to? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX comes out of the XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Yes, thats what needed for now to ensure they proceed with the software installation on your time track and data reader devices. \n\nXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Which of the payment options do you have access to or use regularly? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Got it? \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] i can send money thru XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX ] okay XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Received with thanks. I need you to keep an eye on the rest funds and notify me once its available for use as I will be on my desk to assist and instruct you on what to do on how to make the whole purchase of your home office working equipment and have them deliver to your home address okay. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Okay. I will check tomorrow morning first thing at XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Thanks for your accordance. Once again, congratulations on your new job position with XXXX. We look forward to commencing working with you as soon as possible. We make every effort to ensure that employees have exciting and fulfilling careers where learning and growth never cease.\n\nI await your check-in message tomorrow Morning. \n\nXXXX XXXX, [ XX/XX/XXXX XXXX XXXX  ] Have a wonderful day. I'll be watching the XXXX vs XXXX XXXX tonight.","date_sent_to_company":"2025-02-26T05:18:32.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"85614","tags":"Older American","has_narrative":true,"complaint_id":"12233817","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-02-26T04:54:22.000Z","state":"AZ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Type in <em>data</em> provided directly from customers Create spreadsheets with large numbers of figures without mistakes. \nUpdate existing <em>data</em>. \nRetrieve <em>data</em> from the database or electronic files as requested. \nPerform regular backups to <em>ensure</em> <em>data</em> preservation. \n\nProven experience as a <em>data</em> entry clerk. \n\nFast typing skills ; Knowledge of the touch typing system is strongly preferred."]},"sort":[5.546503,"12233817"]},{"_index":"complaint-public-v1","_id":"10718799","_score":5.015598,"_source":{"product":"Debt collection","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX Nebraska XXXX United States of American I XXXX XXXX XXXX , have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. UCC 1-308 without prejudice Please remove these accounts immediately. I Recently viewed my credit report and saw that there is incorrect information on my credit report. In accordance with the Fair Credit Reporting act. These accounts is inaccurate and dont have no contract with me or did not notify me or put me on notice that was going to report these accounts on my credit report. I have the rights to private I will love equity for all the inaccurate accounts on my credit report.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \nXXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS [ XXXX PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID XXXX XXXX THIS ACCOUNT XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHT NAT ACCTSYS XX/XX/XXXX have VIOLATED MY RIGHTS I WIL LIKE {$1000.00} dollar for every violation its stopped me from gettIng a place to live and I have already sent letters and emails no response back delete these accounts immediately IMMEDIATE AND SEND CHECK BY MAIL. These accounts dose not match on all credit reports please delete 15 USC 1681e ( B ) NAT ACCT SYS : XXXX  ) CHILD SUPPORT : XXXX, XXXX and XXXX XXXX have removed and deleted this child support. I would like for XXXX and XXXX have deleted it and put it back in my credit report by law thats illegal I will like for these accounts to be deleted and remove this account immediately. TENNESSEE DEPT. OF H : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 section 623 If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. I HAVE TRYING CALLING AND MORE AND HAVE NOT GOT NOT MAIL TO UPDATE ME ON MY credit profile and I dont not want the reporting any thing for me on my credit account I am a living man I can conduct my own business and have the right to privacy bay law UCC I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have 4 days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. They had fail to mail or email me a FRA Letter explaining my rights and show me proof of my wet signature.. Please remove these hard inquiries from my account I have not received no funds or service with these companies 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1638 - Transactions other than under an open end credit plan a ) Required disclosures by creditor For each consumer credit transaction other than under an open end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure. ( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less downpayment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit. ( B ) In conjunction with the disclosure of the amount financed, a creditor shall provide a statement of the consumers right to obtain, upon a written request, a written itemization of the amount financed. The statement shall include spaces for a yes and no indication to be initialed by the consumer to indicate whether the consumer wants a written itemization of the amount financed. Upon receiving an affirmative indication, the creditor shall provide, at the time other disclosures are required to be furnished, a written itemization of the amount financed. For the purposes of this subparagraph, itemization of the amount financed means a disclosure of the following items, to the extent applicable : ( i ) the amount that is or will be paid directly to the consumer ; ( ii ) the amount that is or will be credited to the consumers account to discharge obligations owed to the creditor ; ( iii ) each amount that is or will be paid to third persons by the creditor on the consumers behalf, together with an identification of or reference to the third person; and ( iv ) the total amount of any charges described in the preceding subparagraph ( A ) ( iii ). ( 3 ) The finance charge, not itemized, using that term. ( 4 ) The finance charge expressed as an annual percentage rate, using that term. This shall not be required if the amount financed does not exceed {$75.00} and the finance charge does not exceed {$5.00}, or if the amount financed exceeds {$75.00} and the finance charge does not exceed {$7.00}. ( 5 ) The sum of the amount financed and the finance charge, which shall be termed the total of payments. ( 6 ) The number, amount, and due dates or period of payments scheduled to repay the total of payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO THE UNITED STATES COURT OF APPEALS FOR THE XXXX XXXX XXXX XXXX Argued XX/XX/XXXX, XXXXDecided XX/XX/XXXX Respondents, XXXX XXXX XXXX whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a XXXX action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve \" substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349. ( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three principal factors determine whether a statutory provision creates a privately 15 U.S.C 1692g Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 U.S. Code 1681q - Obtaining information under false pretenses U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. To who it may concern, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the XXXX insurance Portability and Accountability Act ( HIPAA ] to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me, Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt. all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose 's 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Without prejudice UCC 1-308 all rights reserved 15 U.S. Code 1692f - Unfair practices U.S. Code Notes A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.\n\n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n( 7 ) Communicating with a consumerregarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. \n\n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. \n( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095.\n\n)\n\n18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information U.S. Code Notes prev | next ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document or authentication feature that is or appears to be an identification document or authentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.\n\n( b ) The punishment for an offense under subsection ( a ) of this section is ( 1 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 15 years, or both, if the offense is ( A ) the production or transfer of an identification document, authentication feature, or false identification document that is or appears to be ( i ) an identification document or authentication feature issued by or under the authority of the United States ; or ( ii ) a birth certificate, or a drivers license or personal identification card ; ( B ) the production or transfer of more than five identification documents, authentication features, or false identification documents ; ( C ) an offense under paragraph ( 5 ) of such subsection ; or ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or use of 1 or more means of identification if, as a result of the offense, any individual committing the offense obtains anything of value aggregating {$1000.00} or more during any 1-year period ; ( 2 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 5 years, or both, if the offense is ( A ) any other production, transfer, or use of a means of identification, an identification document,, [ 1 ] authentication feature, or a false identification document ; or ( B ) an offense under paragraph ( 3 ) or ( 7 ) of such subsection ; ( 3 ) a fine under this title or imprisonment for not more than 20 years, or both, if the offense is committed ( A ) to facilitate a drug trafficking crime ( as defined in section 929 ( a ) ( 2 ) ) ; ( B ) in connection with a crime of violence ( as defined in section 924 ( c ) ( 3 ) ) ; or ( C ) after a prior conviction under this section becomes final ; ( 4 ) a fine under this title or imprisonment for not more than 30 years, or both, if the offense is committed to facilitate an act of domestic terrorism ( as defined under section 2331 ( 5 ) of this title ) or an act of international terrorism ( as defined in section 2331 ( 1 ) of this title ) ; ( 5 ) in the case of any offense under subsection ( a ), forfeiture to the United States of any personal property used or intended to be used to commit the offense ; and ( 6 ) a fine under th","date_sent_to_company":"2024-11-13T15:50:19.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"10718799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Account Systems of Omaha, LLC","date_received":"2024-11-06T18:11:21.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["<em>security</em> breach or <em>privacy</em>, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. 15 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