{"took":238,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11565972","_score":28.386816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I send a letter to TransUnion Fraud Department indicating a couple of inquiries that had been made against my credit report from TransUnion. These inquries were not neither authorized nor made by me. \n\nAlong with the letter, I send a copy of the TransUnion credit report highliting the inquiries in disdupte. I also sent a copy of my Social Security Card and a copy of my Driver 's License for identity verification, as well as a copy of a utility bill. \n\nAdditionally, I also sent a copy of Identity theft affidavid. \n\nI also requested a copy of an updated credit report once the wrong information is removed. \n\nThese documents were received by TransUnion on XX/XX/XXXX at XXXX XXXX. as per Certified Mail XXXX # : XXXX. However, as of today, the information has not yet been removed.","date_sent_to_company":"2025-01-16T16:40:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84094","tags":"Older American","has_narrative":true,"complaint_id":"11565972","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T16:10:01.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I send a letter to TransUnion Fraud Department <em>indicating</em> a couple of inquiries that had been made against my credit report from TransUnion. These inquries were not neither authorized nor made by me. \n\n<em>Along</em> with the letter, I send a copy of the TransUnion credit report highliting the inquiries in disdupte. I also sent a copy of my Social <em>Security</em> Card and a copy of my <em>Driver</em> 's <em>License</em> for identity verification, as well as a copy of a utility bill."]},"sort":[28.386816,"11565972"]},{"_index":"complaint-public-v1","_id":"17802300","_score":27.205803,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I received a pre-approval offer from Capital One for a Venture X credit card. Based on that pre-approval, I submitted a full application. Capital One approved me for the card with a credit limit of approximately {$30000.00}, and the card was shipped to me.\n\nShortly after the approval and card shipment, I discovered that the account had been restricted. When I tried to access the card online, I saw messages indicating the account was restricted, and at one point the system even indicated that the card/account did not exist. At the same time, my credit reports at all three major credit bureaus now show hard inquiries from Capital One related to this application. \n\nI made multiple phone calls to Capital One to try to understand and resolve this : On my first call, I was transferred to the fraud department. The representative told me that she could not give me any details about why the account was restricted, said there was nothing they could do, and told me to simply wait XXXX business days for a letter. No concrete explanation or solution was offered. \nOn my second call, I was transferred to the fraud department again ( it sounded like the same representative ). She asked for my information and then told me that she could not find my account and advised me to call back after 24 hours. When I asked to be transferred to someone who could actually help, I was sent back to a general customer service representative. \n\nThe general customer service representative I reached after that was more helpful and explained that Capital One needed additional identity verification. This was confusing because Capital One had already requested and used my drivers license during the original application process. I was told that in order to verify my identity again, I had to send copies of my drivers license and Social Security card either by fax or physical mail to an address in XXXX XXXX XXXX, Utah, along with a case number. \n\nI specifically asked if there was a secure online method to upload these documents, but I was told there was no online option for my case, only fax or mail. I was given a case number and the mailing address, and I followed their instructions by mailing copies of my drivers license and Social Security card with the case number included.\n\nTLDR : 1. I was pre-approved, then fully approved and had the card shipped, but before I could even use it, Capital One restricted the account and could not clearly explain why.\n\n2. I now have hard inquiries on all three credit bureaus as a result of this process, but I still do not have a usable account and have not been given a clear, timely resolution.\n\n3. When I called for help, the fraud department : Refused to explain the restriction, Told me to wait for a letter with no actionable next steps, and On a later call, claimed they could not even find my account and told me to call back later. \n4. I have now mailed highly sensitive documents ( drivers license and Social Security card ) through the mail because Capital One insisted there was no secure online method available for this identity verification, which increases risk and delays, even though more secure methods are common today.","date_sent_to_company":"2025-11-21T23:31:31.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"980XX","tags":null,"has_narrative":true,"complaint_id":"17802300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-21T23:14:44.000Z","state":"WA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["This was confusing because Capital One had already requested and used my <em>drivers</em> <em>license</em> during the original application process. I was told that in order to verify my identity again, I had to send copies of my <em>drivers</em> <em>license</em> and Social <em>Security</em> card either by fax or physical <em>mail</em> to an address in XXXX XXXX XXXX, Utah, <em>along</em> with a case number."]},"sort":[27.205803,"17802300"]},{"_index":"complaint-public-v1","_id":"10358644","_score":27.106209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have attempted on two separate occasions to obtain what LexisNexis calls a \" Consumer Disclosure Report '' and the process is inadequate to provide timely information to any consumer who is forced to use their services. \nThe process to obtain a report is as follows : Fill out their online form and then be directed to a page that displays the following : Acknowledgment Message Your order has been received. You will receive a message via US Mail within the timeframe allowed by law. We will verify the information you provided with information in our records. We may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession. \n\nI have submitted the same exact information to XXXX, XXXX XXXX, XXXX and XXXX to verify my identity online and make any changes to my credit information and verify my credit report. If LexisNexis is not capable of utilizing the available technology the other credit reporting agencies have been using for the last 5 years, then the ability to opt out of their services should be an available option for consumers. on XX/XX/year>, I filled out the information providing my Social Security Number and my Drivers license number along with my address and today, I received mail ( at my address ) indicating LexisNexis is unable to process my request. My address is obviously correct as they mailed me the letter. I am using the same Social Security number and driver 's license number that I use with the other credit reporting agencies where I have been able to receive my credit report. \nLexisNexis is using terms which are not clear and do not align with the terminology used by the other credit reporting agencies. This is causing confusion to consumers.","date_sent_to_company":"2024-10-05T21:50:25.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"503XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10358644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-10-05T21:20:49.000Z","state":"IA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["If LexisNexis is not capable of utilizing the available technology the other credit reporting agencies have been using for the last 5 years, then the ability to opt out of their services should be an available option for consumers. on XX/XX/year>, I filled out the information providing my Social <em>Security</em> Number and my <em>Drivers</em> <em>license</em> number <em>along</em> with my address and <em>today</em>, I received <em>mail</em> ( at my address ) <em>indicating</em> LexisNexis is unable to process my request."]},"sort":[27.106209,"10358644"]},{"_index":"complaint-public-v1","_id":"6309796","_score":21.769608,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been the subject of identity theft ( thwarted, thankfully ) for much of 2022. I recently applied for credit with Synchrony Bank for a SAM 'S CLUB credit card. I wasn't given immediate approval, and was told \" more information was needed ''. I subsequently received a letter in the mail pointing me to a website to verify my identity. There, I took a 5 second selfie-video, and provided a picture of the front & back of my FL drivers license. Again, immediate approval was denied and was told I'd receive a decision in the mail. 7-10 days later I received that letter from Synchrony Bank denying my application for the following reason : \" couldn't establish identity ''. I'm dumbfounded -- I provided an actual video of ME, along with state issued government identifcation?? \n\nSo I responded to their letter asking them to re-open my application as I would be providing them with a multitude of acceptable identity verification documents TO REMEDY THEIR CONCERNS, which included copies of the following : passport, front/back of state issued drivers license, birth certificate, social security card, bank statement with current address, and one credit card showing my Name & Card Number. XX/XX/XXXX, I received a letter back again stating they are denying my application due to \" identity concerns ''. Specifically it mentions, \" During the verification process we found conflicting information. In some cases, these types of discrepancies may indicate potential fraudulent use of your personal identity information ''. \n\nAs most people do today, I use XXXX XXXX & XXXX XXXX  to monitor my credit on a daily basis. I also am a subscriber to XXXX, XXXX, and XXXX XXXX and monitor my credit directly on their sites as well. I don't know what else I could provide to verify my identity in addition to the above mentioned documents? \n\nSo what concerns me the most and brings me to your Bureau is \" WHAT IS THE CONFLICTING INFORMATION THEY ARE SEEING THAT INDICATES POTENTIAL FRAUD USE OF MY IDENTITY '' that results in credit denial?. They refer to private databases that they utilize, which I'm not privy to and able to monitor. Normal denials of credit ( deliquency, score, debt ratio issue ) can be actually seen and understood, and subsequently fixed with appropriate course ( s ) of action. BUT I'm at a loss as to what my ACTUAL PROBLEM is, and have no idea how to fix with any type of appropriate action -- BESIDES THIS??? \n\nI'm concerned that If i apply for a more substantial line of credit in the future this could affect me in a more damaging and negative way as well. I'd like to address & fix the discrepancies Synchrony Bank refers to NOW before a time comes when I may need a new car/home. \n\nXXXX XXXX XXXX","date_sent_to_company":"2022-12-12T12:57:22.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"6309796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-12-12T12:22:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I subsequently received a letter in the <em>mail</em> pointing me to a website to verify my identity. There, I took a 5 second selfie-video, and provided a picture of the front & back of my FL <em>drivers</em> <em>license</em>. Again, immediate approval was denied and was told I'd receive a decision in the <em>mail</em>. 7-10 days later I received that letter from Synchrony Bank denying my application for the following reason : \" couldn't establish identity ''."]},"sort":[21.769608,"6309796"]},{"_index":"complaint-public-v1","_id":"10274897","_score":15.198894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX and XXXX I filed a Federal Trade Commission ( FTC ) report that included the following statement : My identity was stolen and used to attempt to open personal loans and credit cards. I received notification by mail of the attempts as the fraudulent inquiries were made from the following : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have not requested credit since XXXX. I have identity theft with XXXX. After receiving the letters, I contacted XXXX and worked with a XXXX XXXX through XXXX. We called each agency ( above ) associated with the fraudulent inquiries on my credit bureau reports. The fraudulent inquiry with XXXX XXXX XXXX remains on my Equifax credit bureau despite all the effort I have taken to have it removed. Therefore, I WANT THE FRAUDULENT XXXX XXXX XXXX  XXXX REMOVED FROM EQUIFAX. All other fraudulent inquiries were removed from both XXXX and XXXX. PLEASE assist with having the XXXX XXXX XXXX hard inquiries removed from my Equifax Credit Bureau. \n\nI have spent several days and hours on the phone with my ID Theft Solutions Restoration Agent and Equifax since XXXX. My XXXX XXXX  advised me to write a cover letter to Equifax that included my identifying information with the FTC report and to attach the correspondence between Equifax along with correspondence from XXXX XXXX. \n\nXX/XX/XXXX - I mailed the letter to Equifax. I was then advised to follow-up the mailed correspondence with a phone call to Equifax. \n\nEquifax does not allow restoration agents to join the call. Therefore, I conducted each of the following calls on my own to no avail. Each time I call, I speak with representatives, then ask to speak with supervisors, then ask for the call to be escalated. \n\nI spend at least an hour or more on the calls and receive discrepant information. I have been told to mail the disputes. Then when I follow up in about a week or so, I am told to use their online system for disputes. \n\nON a few occasions the online dispute system was not working. Therefore, I was promised a call from their tech department after being told the issue was escalated to the supervisors in their tech department. I NEVER received a follow up call. Below is the remainder of the timeline documenting each call and its subsequent results : XX/XX/XXXX - I spoke with an Equifax agent named XXXX who indicated that the hard copy I mailed had been lost and the only documents included was the cover letter and my identification cards ( i.e., license and address ). He then proceeded to share that I could upload the information. I asked to speak to a supervisor. I spoke with a supervisor named XXXX. \n\nXXXX informed me that I now needed to submit a police report and an FTC report. I had not been told by XXXX that I needed to submit those documents with my cover report and identification documents. Therefore, I asked to speak with another supervisor to get further clarification so that I could know exactly what documents to submit to finally have the inquiries removed. \n\nI spoke with a supervisor named XXXX. XXXX was rather rude however, he did confirm that I needed either a police report or an FTC report to file the online dispute. \n\nXX/XX/XXXX - I completed and attempted to submit the online dispute. I received error messages each time I attempted to submit the dispute. Therefore, I called Equifax for assistance and spoke with XXXX. \n\nAfter waiting on hold for over XXXX minutes, I was transferred to another agent ( named XXXX XXXX to remove the inquiry but I was hung up on. Neither agent asked for the error code I received. As indicated above, XXXX promised to escalate the call to their tech department and promised a call back from the escalation department. I never received a return call. \n\nDuring this call, XXXX also shared that I should mail the dispute and indicated that the FTC was too old. You will see in the details of todays call that the FTC agent I spoke with indicated there is no time limit or expiration on FTC reports. \n\nXX/XX/XXXX I placed a follow up call for assistance with submitting a dispute using their online system since I never received a follow up call. I spoke with XXXX who wanted to escalate the call to their tech support again. Since I had already been promised that option and received no solution, I asked for a supervisor. \n\nI spoke with XXXX who shared that the hard inquiry could be removed without the social security card. Because there was no prompt to upload an SSN card or other proof of identity documents, I had not done so but received a follow-up report via email saying they were missing. I tried to explain my frustration with their system not prompting users to submit all documents necessary to successfully dispute fraudulent inquiries. My complaints to XXXX were not heard. He merely indicated that I needed to resubmit. \n\nXX/XX/XXXX I re-submitted the online dispute with an updated FTC, XXXX, drivers license, cover letter, along with the correspondence/communication between Equifax, XXXX, and myself. The dispute was denied and the fraudulent hard inquiries remained on my Equifax report. \n\nXX/XX/XXXX - XXXX weeks ago, an agent named XXXX XXXX I believe ) told me he completed a special dispute process and assured me that the fraudulent hard inquiries would be removed from my account, that he would mail hard copies of the dispute and email an online copy. He then shared a confirmation number and promised that the inquiries would be removed in a week. He told me to check my Equifax credit bureau to make sure they were removed and if they had not been removed to call back and provide the confirmation number. \n\nXX/XX/XXXX Today, I had a follow-up call with my restoration agent as we have had to schedule every XXXX weeks since XXXX in an attempt to have the fraudulent inquiries removed. The hard inquiries remain so I had to place a call to Equifax XXXX. I remained on the call a total of more than an hour AGAIN. I shared the confirmation number as the agent above indicated I should, on XX/XX/XXXX, if the inquiries remained on my report. \n\nI spoke with XXXX. After receiving the confirmation number and accessing my information in their system, XXXX proceeded to ask if the inquiry was fraudulent and asked other information as if I was beginning the process all over again. Since XXXX seemed misinformed, I asked for a supervisor. \n\nThe supervisor named XXXX told me she could only see the mailed documents submitted XX/XX/XXXX. I continuously asked her to check for the additional online disputes submitted in late XXXX and again in XXXX. She told me that online submissions could not be accepted for removal of hard inquiries. \n\nSince I had not been told this before, I asked for another supervisor. I was connected to XXXX in Consumer Affairs. XXXX was the most HORRIBLE, rude, agent I have met with in all the subsequent calls besides XXXX ( mentioned above ). \n\nXXXX told me that the FTC report I submitted was not valid BUT would not share why it was not valid. I had to repeatedly ask XXXX in different ways to help me understand why it was not valid so that I could finally have the fraudulent inquiries removed. \n\nXXXX finally shared that the report was too old and that I should contact the FTC to find out how to complete it again so that it is valid. I asked to speak to another supervisor and was told by XXXX that I had gone as far as I could go and that there was no one else to help me. \n\nI called the FTC and was told by the agent named XXXX that the report was exactly what it should be and was not too old and that, in fact, there was no expiration date on FTC reports. The agent further indicated that as long as the FTC report was completed and submitted she was not sure why Equifax would not accept my report as written and submitted and remove the fraudulent hard inquiries. \n\nI am so very exhausted and frustrated by the lack of knowledge and lack of professionalism demonstrated by most of the Equifax staff I encountered through this exhaustive process. I have done all I can as asked each different time in an attempt to remove fraudulent hard inquiries from my credit bureau. \n\nI have been the victim of identity theft and should not be put through such a grueling, confusing, and awful process to have it be removed to no avail. Please take action against them and help me successfully address this matter by having the XXXX FRAUDULENT XXXX XXXX XXXX HARD INQUIRIES REMOVED FROM MY EQUIFAX REPORT. Thank you","date_sent_to_company":"2024-09-27T20:15:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70058","tags":null,"has_narrative":true,"complaint_id":"10274897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-27T18:37:33.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["He merely <em>indicated</em> that I needed to resubmit. \n\nXX/XX/XXXX I re-submitted the online dispute with an updated FTC, XXXX, <em>drivers</em> <em>license</em>, cover letter, <em>along</em> with the correspondence/communication between Equifax, XXXX, and myself. The dispute was denied and the fraudulent hard inquiries remained on my Equifax report."]},"sort":[15.198894,"10274897"]},{"_index":"complaint-public-v1","_id":"3614655","_score":10.836548,"_source":{"product":"Debt collection","complaint_what_happened":"This was my mother 's debt who passed in XXXX and my Dad passed in XXXX so it has now come to me and the person living on this property is a XXXX Vet with very limited income. \n\n( XX/XX/XXXX ) I called SLS on and spoke to Customer support Rep : in ( Arizona ) who told me to send a copy of the letters of testamentary from the court via email to XXXX.  She said she would have to send this document to the legal department to be approved and to call back in about a week to be authorized to discuss my moms account. I sent this document on the above date at XXXX XXXX  XXXX and waited about two weeks. \n\nXX/XX/XXXX I called SLS again and spoke to another person in Arizona who told me that he could not talk to me because I am not the account holder. I informed him that I had sent the letters of Testamentary via E-mail as requested on my previous call. \nHe said he see the document but that they need other documents before I could be added to the account which are : a copy of my moms Death Certificate and a copy of my Drivers License. I sent these two documents on the above date at XXXX XXXX  XXXX  and asked about how long it would be before it goes to the legal department. His reply about 5 days. \n\nXX/XX/XXXX @ XXXX XXXX XXXX ( 17 min 34 sec ) I called SLS and spoke to a third person who said that she could not talk to me about the documents that the required of me that I sent to them because I am not the account holder or authorized to discuss this account. \nIn an attempt to contact someone who can make a difference in the type of service I am receiving, I looked at the XXXX website and found a different number for SLS ( XXXX ) which took me back to the same recording and answering process as before. I found another number, ( XXXX ) with the same results. \nXX/XX/XXXX @ XXXX XXXX  XXXX  ( 5 min 5 sec ) I called SLS and I added my phone number and they hung up the phone. \nSo, I called back @ XXXX XXXX  XXXX  ( 12 min 39 sec ) and spoke to yet another person who said that security or the legal department, ( Attorneys ) will have to approve my documents before they can discuss this account with me. He said that he would send an e-mail and hopefully they will get me on the account to settle it. I asked how long this would take but he said that he did not know how long it would take to complete. \nI also sent an e-mail on this day @ XXXX XXXX  XXXX  to the VP at XXXX of whom appeared to be the VP of XXXX in order to get someone to talk to me about the documents that I sent to SLS and my moms account. \nNOTE : Specialized Loan Services is a subsidiary company of the XXXX company. \n\n\n\nXX/XX/XXXX @ XXXX XXXX  ( 27min 53 sec ) I received a call from SLS and talked to a fourth person. ( My phone number is on the e-mail that I sent XXXX  ). \nShe proceeded to tell me that she could not talk to me because I was not on the account. She said that I only had on file a copy of my moms will of which I did not send them. I do not know how they got that document. \nShe said that I would have to go through the court process and then send letters of testamentary to them. \nI had to go back and forth with her to get her to understand that all of that had been completed long before now and that she had the letters on file as we spoke. After a lot of back and forth discussions I gave her the dates that I sent these documents, she finally looked through the files and found the letters of testamentary and the death certificate and a copy of my drivers license that I sent in and said that she will have to recommend that SLS go ahead and process my documents but that it will be another few days before it is done. \nI told her that everyone keeps telling me that its got to go through the legal department but it never gets there. \nshe said that when they send e-mails to expedite, legal would have to work it right away but I would have to wait another 7 days. \nNOTE : After that date no one has contacted me to talk about the account or anything. \n\nXX/XX/XXXX @ XXXX XXXX  XXXX  ( 26min 38 sec ) I called SLS and talked to a fifth person. I gave him my name and the account number after he asked how he could help me and I told him that I need to know if he was authorized to talk to me concerning my moms account, he chuckled as though he thought it was a little funny and then said that You are on the account. I told him that I am trying to get this thing settled and he saw the amount owed on the account, he transferred me to someone who handles higher amounts of money. \n@ XXXX XXXX  XXXX  I talked to a sixth person who is a claim associate I verified my name and account number, he said that the house is in foreclosure. \nI asked when did it go into foreclosure? He said XX/XX/XXXX. I told him that I had been trying to settle this account since XX/XX/XXXX but I keep getting put off so it is not my fault that this is not settled. \nHe said that he could not do anything about that but that I would have to pay the past due balance and attorney fees to get a reinstatement and that would take 5 days to receive in the mail but that he would also send me that information via e-mail as well so that I can get it today. \nI told him that I want to pay the account off and be done with it. \nHe said that a payoff quote till take longer than the reinstatement but that he can mail it to me and or e-mail it to me. He also said that the reinstatement quote will bring the account current. He said that I should receive the payoff quote in the mail by XX/XX/XXXX. \n\nOn XXXX XXXX I mailed a check # XXXX to SLS, for the total amount due to include the attorneys fees for next day delivery based on a statement that I have. I did not receive anything else from SLS other than this statement. It's due date was XX/XX/XXXX. \n\nXX/XX/XXXX I received my check # XXXX which is the balance of moms loan on XX/XX/XXXX that I sent to SLS in XXXX XXXX, CO. ( Next Day ) a {$20.00} charge. They sent a letter back with this check stating that they were unable to identify & needed more detail. \n\nXX/XX/XXXX I sent a letter with my Moms name, the account number and the property address along with the same check that I sent before, # XXXX as it is still a good check. I did not send it overnight this time. \n\nXX/XX/XXXX ( Tuesday ) I received a call from SLS, at XXXX XXXX  and was unable to answer but I called back and got put on a call back list at XXXX XXXX. \nAt XXXX a woman called me back and transferred me to a different person in Customer Assistance. He said that they are sending my check back because payoff must be with a Certified Check or Wired, and that it could not be a personal check. \nI explained to XXXX that my check has already been sent back once because they wanted more detail information based on the document they sent with my check. \nI also explained to him that the correspondence the I received when my check was returned to me has a block to be checked if a Certified Check was required but it was not checked which means that It was not a requirement. \nI asked the question, Why is a Certified Check required now when the document sent to me did not indicate that? I followed the instructions that you all gave me to follow. \nHe continued to say that all payoff quotes require a certified check or wire, however that is not what is on the document that they sent me stated. \nHe said that he can request another payoff quote that can be faxed or mailed. I told him to send one via fax and gave him the fax number but not before asking him how long will this take.\n\nS : 5 business days to wright up and process Me : So then by the time that is done, the amount will increase again correct?\n\nS : If another payment date goes by, yes it will Me : Why do you all, your company keep putting me off from taking care of this? You keep extending things five days and the amount keeps going up. This is ridicules! \nHe said that the property is in foreclosure and that the sale date is XX/XX/XXXX. Then he suggested that I call on the XXXX to find out what the new payoff is. \n\nXX/XX/XXXX ( Monday ) I received my check ( XXXX ) back a second time in the mail on Monday XX/XX/XXXX along with a letter stating now that : Certified Funds are required & We are unable to accept funds for less than total amount due. \nI sent in the total amount of the loan plus the attorney fees based on the only document that I received from SLS concerning a payoff amount. \n\nXX/XX/XXXX ( Tuesday ) I received in the mail a statement from SLS where the new balance is now {$2600.00} and a letter of foreclosure from a Law office in XXXX, Ga. Dated XX/XX/XXXX. \nI called a number to SLSs Attorney firm as she needed to verify that I was cleared to discuss this matter. \nShe could only request an updated payoff quote for me which would lead to another increase of the payoff amount because of the time it takes to process the request. She said the property will not go on sale until XX/XX/XXXX. \nTherefore, I will have to seek help from someone, somewhere else. \nOn the above date, I also sent another email to The above mentioned VP at SLS or XXXX to inform him of my difficulties and asked him for help once more. \n\nXX/XX/XXXX @ XXXX ET  ( 13 sec ) I received a call from SLS, I answered the call and there was a recording that said : We are sorry we were unable to reach you. Please give us a call at XXXX. \nI called back @ XXXX XXXX only to get another recording that said : Due to the Coronavirus situation, our wait times are longer than normal. If you wish to continue please listen to the menus. \nBecause I know I will not get the person who called me of whom I expect has information that no one else has, I hung up and hoped that they will call again. My call time was 28 sec. \nI have not received a response from the email that I sent XXXX at this point. \n\nXX/XX/XXXX ( Tuesday ) Because I have not heard anything from the VP concerning my second e-mail request for help sent on XX/XX/XXXX. I sent another email requesting help to the three other VPs that he had attached to his first response to my first e-mail. \nNothing as of XX/XX/XXXX. \n\nXX/XX/XXXX I received in the mail a letter from SLS dated XX/XX/XXXX, It reads as if we are just starting this process and they want to collect a debt and this is their first attempt to do such. \n\nXX/XX/XXXX @ XXXX XXXX XXXX  I called SLS using a different number hoping to get someone who would help me on this issue only to get a XXXX and I had talked to before when he said that he had no authority to do anything in this matter. So we just didn't waste each other 's time. \nI called back at XXXX XXXX  And spoke to XXXX who would only tell me that they have sent me payoff quotes and that she will send me a new one, one in the mail which will take about 5-7 days and one via e-mail that I would receive this evening sometime.\n\nI told her that I have not yet received one payoff quote nor have I received a reinstatement quote. She said that they have sent them and it is not their fault that I did not receive them.\n\nI told her that I received my check back in the mail twice, that I got a letter from their attorney and what looks like a statement so how do I receive everything else in the mail but not one of these so-called quotes. \nShe continued to state that she cant explain it. She said she will send me a new quote in the mail and via e-mail. \nXX/XX/XXXX @ XXXX I still have not received any e-mail correspondence from SLS concerning my e-mail to the leaders of the company nor concerning the 2nd payoff quote that XXXX was supposed to send me.","date_sent_to_company":"2020-04-20T17:44:37.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"30213","tags":"Servicemember","has_narrative":true,"complaint_id":"3614655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2020-04-20T16:57:32.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["I informed him that I had sent the letters of Testamentary via E-<em>mail</em> as requested on my previous call. \nHe said he see the document but that they need other documents before I could be added to the account which are : a copy of my moms Death Certificate and a copy of my <em>Drivers</em> <em>License</em>. I sent these two documents on the above date at XXXX XXXX  XXXX  and asked about how long it would be before it goes to the legal department. His reply about 5 days."]},"sort":[10.836548,"3614655"]},{"_index":"complaint-public-v1","_id":"8869686","_score":10.771606,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I changed my legal name to XXXX XXXX XXXX. My previous name was XXXX XXXX XXXX. \n\nOn XX/XX/XXXX I filled out Citi bank name change kit, including paying {$15.00} for having a notary ( XXXX ) watch me sign it. On the same day I mailed Citi bank everything in the name change kit, including a photo copy of my drivers license with my new name, the final decree of the legal name change signed by the judge, w9, and more. \n\nSometime after Citi bank sent me a debit card with my new name, at this point I thought everything was fine. Then Citi bank reverted my name change, sent me a new w9 to fill out. I filled out the w9 and mailed it to them. They denied the w9 because it had my new name on it. \n\nDesperate to get my funds out of my account I opened up a XXXX ( Colorado ) Checking account on XX/XX/XXXX and wrote a check from my old name to my new name for {$25000.00}. ( If Citi bank doesn't want to acknowledge my new name, fine, I'll just write a check to myself. My new bank was on board with this too. ) Citi bank froze my account and undid the {$25000.00} check which I had started already using for a CD that I opened with XXXX ( Colorado ) on XX/XX/XXXX. \n\nWhen I asked them why they froze my account, they refused to state why. \n\nI have spent countless hours talking with Citi bank 's customer support and they are useless and spiteful. They have refused to help. \n\nI reached out by email to Citi bank via XXXX and all they did was direct me back to their useless phone support. \n\nEvery other bank and financial institution was fine with my name change ( XXXX, XXXX, XXXX XXXX XXXX ), Citi bank is literally the only company I have had any issues with. \nSubmitted complaint to CFPB, XXXX On XX/XX/XXXX I once again sent in a name change kit, including a notary, photo copy of my drivers license both OLD AND NEW, the final decree of the legal name change signed by the judge, w9, and more. \n\nOn XX/XX/XXXX I called the fraud department to attempt to get information on why my account was still frozen. After giving my social security, debit card number, and checking account number, they transferred me and then that person hung up on me before I could even talk to them. \n\nOn XX/XX/XXXX I once again emailed customer help to attempt to get someone at Citi bank to take ownership of the issues I have been experiencing. \n\nOn XX/XX/XXXX I contacted XXXX team. They said agent investigating issue was busy and would respond in 48 hours. \n\nOn XX/XX/XXXX Talked to XXXX. XXXX was not in office at XXXX central time, they will reach out at some point? \n\nOn XX/XX/XXXX XXXX mountain time, I called citibank customer service and they told me to call XXXX to talk to another team that could help me with this issue but after calling the number it doesn't go to a citi >reached out to XXXX on both my old and new email addresses >reached out to XXXX on both my old and new email addresses On XX/XX/XXXX I received an email response from XXXX team and I immediately responded to their email as requested with attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with notary signed from previous notary from XX/XX/XXXX in addition to what they requested, I also included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpicture of the final decree of the legal name change signed by the judge from previous submission I also asked for information regarding a Need to Contact letter they mentioned in an email. I'm not sure if they mailed it already or if they are mailing it as of today. \n\nI submitted complaint to CFPB under my old name since my first complaint was rejected on XX/XX/XXXX because \" THE COMPLAINT LISTS SOMEONE THE COMPANY DOES NOT RECOGNIZE AS THEIR CUSTOMER OR THEIR CUSTOMER 'S AUTHORIZED REPRESENTATIVE. '' XXXX On XX/XX/XXXX XXXX mountain time, I reached out to XXXX 's phone number and requested XXXX contact me immediately. Another team mentioned my case was being handled by XXXX not XXXX and I am confused as to who I should be talking to. I also mentioned the emails I sent and how I might need help filling them out as I have a XXXX and don't understand their conflicting information they give me. \n\nOn XX/XX/XXXX XXXX, XXXX called me. She will respond to me Monday when she gets information back from another one of Citi 's departments. She stated I was already mailed a letter but I never received it ( USPS informed delivery can verify nothing ever reached my mailbox, the only thing I got from citi was a checkbook and SPAM ). She is going to send another letter. She can not verify what address they are sending it to. I suspect the first letter was \" lost '' by someone in the fraud department, likely a 2nd tier XXXX overseas. \n\nOn XX/XX/XXXX I went to a costco and updated my costco card with my new name, shouldn't have any problems but at this point since my costco XXXX card is attached to citi WHICH STILL REFUSES TO ACKNOWLEDGE MY NEW NAME i'm expecting problems On XX/XX/XXXX I called XXXX. They eventually got back to me and said my signature wasn't accepted DESPITE MATCHING MY GOVERNMENT ISSUED DRIVER LICENSE On XX/XX/XXXX I showed up to a XXXX ( Colorado ) branch to get a 3rd notary to sign my name change kit, and XXXX denied me notary services due to what citibank has done to me. They suspect me of fraud now and I can not even open an account with them. I drove to a XXXX location that I did my 1st notary with, the one who wrote XXXX instead of XXXX on the first workday of the year ( one of the reasons citibank refuses to acknowledge my name change ) and a different notary signed my paperwork. I reached out to XXXX through phone who were no help and reached out to customer help through email to get the mailing address of the name change kit. \n\nOn XX/XX/XXXX I mailed my fourth name change kit to Citibank Retail Service Operations, Attn : XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX On XX/XX/XXXX I received mail, my new Costco Anywhere XXXX Card by Citi with my ( SURPRISE! ) OLD NAME ON IT STILL On XX/XX/XXXX and XXXX, XXXX I emailed XXXX about not receiving letters that were supposed to help me unlock my account On XX/XX/XXXX I replied to XXXX email, they've still done nothing On XX/XX/XXXX I called XXXX multiple times. XXXX 's extension now hangs up on me immediately upon entering it. Eventually I got through and stated once again I have not received the need to contact letter. \n\nOn XX/XX/XXXX I sent all my personal information to the citi eru email since they haven't received my name change kit through the snail mail either. I verified I sent it to the correct address with XXXX. \n\nOn XX/XX/XXXX I called XXXX but could not get in contact with XXXX. Person I spoke to could also not get in contact with XXXX. Attempted to make a complaint for how ineffective the XXXX has been. Suspect someone in the fraud team is also not doing their job/lying as I have not received the need to contact letter on both attempts. It has been well over 10 business days now. \n\nOn XX/XX/XXXX I sent another email to XXXX, \" Can someone please help unfreeze my account and update to my new legal name? I have provided the name change kit via mail ( mailed XX/XX/XXXX ) and have also provided images in the previous two emails I have sent to XXXX. I called Friday but XXXX never replied. She was supposed to follow up with me from a call from Thursday too regarding the need-to-contact letters that both never arrived in the mail. \n\nOn XX/XX/XXXX I made another complaint with consumerfinance, Complaint Number XXXX, fair resolution : 1 ) unfreeze my account 2 ) update my legal name 3 ) provide interest from {$25000.00} that is frozen in checking account that they have refused to unfreeze. I am only asking for the interest that would have been earned had I been allowed to transfer the money to my savings account which earns 4.35 % interest rate. I am not even asking for the 5.0 % interest rate I would have been earning had they not frozen my account through a XXXX XXXX. They have ruined my reputation with XXXX and have been completely malicious and inept at fixing my issues. I have provided all the documentation that should be necessary to fix my issues but they still refuse to help. The date of the freeze was on or around XX/XX/XXXX. If my math is correct, as of today they owe me around {$110.00} in unpaid interest from their malicious account freeze. They have also made me waste endless time talking to their customer support, email their customer support, driving to public notaries, paying notaries {$15.00} for their signature, driving to the post office, and the extreme mental health consequences of not being able to pay my rent starting XX/XX/XXXX and not allowing access to my money for purchases such as car insurance. \n\nOn XX/XX/XXXX I made a complaint to fdic.gov, case number is : XXXX : I am writing to bring to your attention a concerning and ongoing issue regarding the freezing of my accounts due to suspicions of fraud, despite my repeated attempts to submit a legal name change. \n\nFor over a month now, my accounts have been frozen, rendering me unable to pay my bills and manage my finances effectively. Despite my efforts to submit multiple name change applications, I have encountered numerous obstacles. Each time I submit an application, it is either rejected over minor errors or, alarmingly, Citibank claims they never received it. Citibank has even gone so far as to ask me to change my legal signature that has already been accepted by Social Security Administration and Department of Motor Vehicles. I have had three independent notaries confirm my identity, two at XXXX and one at XXXX XXXX XXXX. Still, this is not good enough for Citibank. They have gone overboard into maliciousness and ineptitude. \n\nFurthermore, my attempts to communicate with the fraud department and the executive response team have been met with frustration and unhelpfulness. Calls to the department result in being hung up on, and promises to send verification mail to confirm my identity have gone unfulfilled. It is particularly distressing to note that while I await this crucial verification, I continue to receive other correspondence from Citibank to the address on file for my account, further adding to my confusion and frustration. All of this contradicts the customer service standards one would expect from a reputable institution like Citibank. \n\nIn addition to these challenges, I have already lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ), yet Citibank 's response merely reiterated their refusal to recognize my identity, despite the fact that I am the same person attempting to access my accounts. Their responses to me, starting in XX/XX/XXXX have been contradictory in nature, which has further escalated the confusion and frustration resolving my issues. \n\nThis situation has caused me significant financial distress and emotional strain. I had my name changed due to a history of abuse towards me, and these actions by Citibank indicate discrimination towards people who have experienced abuse. I implore you to take immediate action to rectify this issue and unfreeze my accounts. I have complied with all requests for documentation and verification, and it is imperative that Citibank honor its commitment to providing fair and accessible banking services to its customers. \n\nI am aware that banks have the authority to freeze accounts under suspicion of fraud, as part of their obligation to prevent financial crime. However, this authority comes with the responsibility to ensure that such actions are justified and that customers are not unduly penalized. The Fair Credit Reporting Act ( FCRA ) and the Electronic Fund Transfer Act ( EFTA ) provide protections for consumers in their dealings with financial institutions, including the resolution of errors and disputes in a timely and fair manner. \n\nOn XX/XX/XXXX I called XXXX and was able to talk to XXXX, she is talking to a supervisor as a continuation from our call XX/XX/XXXX. She confirmed she received my emails and the new CFPB from XX/XX/XXXX which also has all my name change kit information. She has made no progress since our call XX/XX/XXXX. She also stated they have still not received my mail from XX/XX/XXXX for the third name change kit. \n\nOn XX/XX/XXXX I put in a service request with USPS in the chance there is a rogue mailman ripping up my mail or something along those lines. Post office will investigate. Service request # XXXX On XX/XX/XXXX, morning, I received an informed delivery from USPS showing a SPAM letter from Citi instead of a need to contact letter. This is the same exact SPAM letter I have received, now the third time, in as little as 2 months. I heavily suspect the fraud department is sending these SPAM letters instead of the need to contact letter. I sent the screenshots to 3 citibank email addresses, including XXXX. \n\nOn XX/XX/XXXX, morning, I called XXXX team and immediately got to talk to XXXX. I notified her of what I suspect ( see above ) and told her I sent her an email with the screenshot. She informed me my name change finally got approved. Still waiting on the account freeze, she is ( STILL ) working on alternative methods of unfreezing my account. Because my name change went through, there is a chance another team might be able to unfreeze it today, but I won't hold my XXXX breath. \n\nOn XX/XX/XXXX, late afternoon, I attempted to move money from my checking to my savings and it is still frozen. I emailed XXXX as it has now been a full work day for XXXX and there is still no progress unfreezing my account. \n\nOn XX/XX/XXXX, mid-late afternoon, I reached out to XXXX team trying to get an update as it has almost been a full week since XXXX started looking into ways to unfreeze my account. Wasn't able to talk to XXXX. \n\nOn XX/XX/XXXX, morning, I reached out to XXXX team twice trying to get an update as it has been a full week since XXXX started looking into ways to unfreeze my account. First time she answered to silence. Second time the receptionist said she was at lunch. Requested a call back. \n\nCalled general support hoping they could help me more than the XXXX team since XXXX hasn't talked to her supervisor and hasn't helped me in a full week with unfreezing the account. They are sending a new need-to-contact letter, now the 3rd. Hopefully it doesn't get lost in the mail yet again. \n\nOn XX/XX/XXXX, afternoon, I reached out to XXXX team again trying to get an update as it has been a full week since XXXX started looking into ways to unfreeze my account. Third time she was on call with another customer. Requested a call back. Made a complaint that will be forwarded to XXXX 's supervisor as she has made no progress \" talking to her supervisor '' since XX/XX/XXXX. \n\nOn XX/XX/XXXX, afternoon, XXXX called me. She has made no progress. States she is \" reading policies '' and NOT TALKING TO A SUPERVISOR DESPITE HER SAYING SHE WAS ON XX/XX/XXXX. Sent email to XXXX stating that XXXX is a liar along with these notes above. \n\nOn XX/XX/XXXX I called general support hoping they could help me more than the XXXX team since XXXX hasn't talked to her supervisor and hasn't helped with unfreezing the account. After verifying my card number, my full name, my phone number, they had me open up the app and verify a notification, then after I passed all those methods they hung up on me stating they exhausted all methods of verification, despite me passing everything. \n\nOn XX/XX/XXXX I received a debit card with my new name on it. After activating it, I sent XXXX an email asking for help unfreezing my account, getting a costco XXXX card with my name on it, a checkbook with my name on it. Since I verified my debit card security code to activate it, I have proven I live at my address. \n\nOn XX/XX/XXXX I called XXXX. XXXX called me back. She can't do anything for my account freeze despite me proving my identity with account numbers, social security numbers, my PIN, my drivers license, the judge 's final decree for the name change, and proving I live at my address via activating my debit card. I asked her to verify I was sent a ( XXXX ) need-to-contact letter, she said she would follow up on that. She also stated she contacted another XXXX team about issuing the costco credit card with the new name on it. The checkbook can't be issued until the account is unfrozen. \n\nOn XX/XX/XXXX I called XXXX. XXXX was able to verify a need to contact letter ( 3rd ) was sent within the last week and should arrive up to 10 business days from when it was sent. Since they closed my CFPB complaints and I still have an open issue, I issued a XXXX complaint, XXXX On XX/XX/XXXX I received a credit card with my new name on it. Activated it. \n\nOn XX/XX/XXXX I emailed XXXX team as it has been over 10 business days since I requested the 3rd need to contact letter. I also called them at XXXX. At noon I called general support to talk to fraud team they couldn't verify my phone number (????? ) it isn't attached to my name (???? ). I called XXXX team once again at XXXX as XXXX still hasn't reached out to me. \n\nOn XX/XX/XXXX I received a letter in the mail but it was not the need to contact letter. I sent the XXXX team an email with a picture of the letter I received, proving once again I live at my address. I called citi customer service and after verifying my credentials they are sending a need to contact letter ( XXXX ). \n\nOn XX/XX/XXXX I requested another need-to-contact letter ( XXXX ) from the general support/fraud department. \n\nOn XX/XX/XXXX I opened a 5th complaint with CFPB, XXXX. Pretty much exactly the same as the 4th complaint which they closed. I'm still not receiving the need-to-contact letter required to unfreeze my account. \n\nOn XX/XX/XXXX I left a voicemail to XXXX, once again requesting a supervisor of XXXX look into this case as I am still not receiving the need-to-contact letters. I called again at end of shift and they are no longer answering. \n\nOn XX/XX/XXXX I called XXXX as they closed the CFPB ticket I opened yesterday because \" it appears to be a duplicate '' but my case is still unresolved. I pleaded with them to help. Person I talked to said they would re-open the case and forward the message to the managers. \n\nOn XX/XX/XXXX I did not receive the 4th need-to-contact letter I contacted general support as I did not receive the 4th attempt at getting a need-to-contact letter from the fraud department. They are sending a 5th letter now as that is the only option. \n\nOn XX/XX/XXXX Called ERU team, XXXX didn't answer, talked to someone and they opened up a new case and XXXX assigned the new XXXX case number XXXX. The person I spoke to XX/XX/XXXX never reopened the case.","date_sent_to_company":"2024-04-26T17:39:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"80401","tags":null,"has_narrative":true,"complaint_id":"8869686","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-04-26T17:33:10.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Since I verified my debit card <em>security</em> code to activate it, I have proven I live at my address. \n\nOn XX/XX/XXXX I called XXXX. XXXX called me back. She can't do anything for my account freeze despite me proving my identity with account numbers, social <em>security</em> numbers, my PIN, my <em>drivers</em> <em>license</em>, the judge 's final decree for the name change, and proving I live at my address via activating my debit card."]},"sort":[10.771606,"8869686"]},{"_index":"complaint-public-v1","_id":"10680146","_score":9.418459,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this complaint today because several years ago I was exposed to a credit breach by Equifax. Before this I had always maintained the most stringent of identity protection hygiene and measures. Shortly after their breach a few credit cards were fraudulently opened with my information. I had never even had a credit card before by choice. It took me months of working around the clock - nearly XXXX hours per day to clean the situation up. A choice that was offered to me by Equifax customer service was to lock my credit profile which I did. \n\nA few years later - beginning XXXX months ago I came into the need for additional credit. Every place I applied kept denying me for \" suspicious activity '' and would not explain more to me. I need to buy a car and I've still been unable to do this. I have found that the reason is - Equifax has placed a special type of lock ( not the consumer requested lock ) on my account that they will only unlock after I specifically request it. ( Thanks for doing that without my knowledge leading to a decrease in credit score due to multiple inquiries when only one should've been necessary and an additional hit to my credit for them being denials - lenders don't like to see that. ) So I typed out a long request explaining I need them to unlock my credit profile, remove the fraud prevention measures and set my account to a status that I can begin the process of trying to finance a vehicle ( XXXX and XXXX and car rentals are killing me thanks so much Equifax ). With that request I spent {$35.00} to make full color copies of front and back drivers license, front and back social security card, front and back birth certificate, a letter from my utility provider on official letterhead explaining I am their customer- with company authorized signature, a few of the denials I received thanks to this situation, a copy of my lease, a few other miscellaneous proofs of address, and a copy of my diploma - again front and back. \n\nAfter almost 30 days they sent me a letter in the mail explaining that after all of that I had not satisfied their requirements for identity verification and that I needed to send them an additional paycheck stub, with my social security number on it ( which my employer does not provide due to PII laws, we can get a stub- it's a pain to do but it doesn't contain much personally identifiable information specifically my social security number ) or a copy of my tax filing which I did not need to file last year therefore I didn't - I was in school. If I were to submit to their outrageous demands XXXX Himself only knows if and when my credit file will finally be unlocked, reset, and ready to use, meanwhile the time is passing and I do not appreciate these continual games - after it was THEIR company who screwed up with the data breach in the first place. \n\nThis is as irresponsible as it gets considering I have no choice in the matter- for some reason companies like this just get to up and decide they deserve access to my most sensitive information in the first place, and I just have to submit to that without my approval. This is egregious, irresponsible, dangerous, and unfair. What am I just somebody who suffers through XXXX hours of work per week in a laborious position so these guys can sit in comfy chairs at desks and pretend they are offering a necessary service to society on the back of my labor and suffering? \n\nThe worst part is I didn't sue them or approach them for the settlement. I let it go. I took the high road but before this complaint is over - that's going to change. \n\nThe only acceptable solution, is to unlock my credit profile from their special lock they have placed, so that I can finally use it after months of this battle with them. Additionally- now they are going to pay me a settlement. I kept track of each and every hour - which can be verified by my wife and other witnesses and my labor is worth {$25.00} an hour, I have additionally kept exceptional records of every communication I have had with them in a file cabinet, along with all of the cost out of my pocket, to fix their destruction of my life that occured in the data breach. We should begin speaking about a settlement amount because if we can not come to an agreement and get my account unlocked quickly through this complaint - I have already spoken with multiple consumer protection attorneys who specialize in dealing the the main XXXX CRA 's and credit law and all of them are anxious to take my case with no money upfront simply because of how ergregious their actions have been. \n\nI personally do not wish to do that I like to take the high road. I'm a XXXX and we try to settle our differences with each other - out of court. But I'll tell you this, I'm not walking away at this point with an unusable credit file, and without compensation for their damages. Each time recently I've spoken with one of their customer service agents, I've never even brought it up. My forgiveness is no longer on the table. It's time to make right for their mistakes and it will cost me nothing, literally nothing to have this filed in court and have exceptional legal counsel. \n\nLet 's work together to fix the mistakes of the past, make me whole again, fix my credit file and walk away with both of our shoulders high so that we can move forward in an amiable manner. So far I fail to see any action on behalf of your company that indicates to me you take the law seriously or the FCRA which unfortunately I've practically memorized at this point. You need to remember it is an HONOR to work with the most sensitive information of Americans - not a right. This can be addressed via monetary loss and or fines and sanctions if you've forgotten this fact. \n\nIf I do not feel you are willing to work with me on this matter I will additionally file with the attorney general of my state and all XXXX states so they can be aware of how badly some people are left hanging by your corporation after having been destroyed by your actions. By the way it was the first time I ever had exceptional credit which I studied hard for and worked to meticulously craft before you allowed my information to be exposed into the hands of XXXX XXXX criminals. \n\nPlease understand this is my final attempt to amiably address your company in a manner that protects the integrity of your name and image among Americans. I will absolutely sue you in a court of law if my expectations are not met. Please do not take that as an empty demand. I've had enough of this game with your company. \n\nLastly I would like to sincerely thank the agency mediating this issue, and I would like to thank the staff responsible. I can not tell you what it means that Americans have somewhere we can take these issues to be mediated by a party who understands the law, plans to apply it evenly, and doesn't fear an organization such as Equifax who thinks they are invulnerable and can act and behave as they wish. \n\nI give everyone involved all my best and I hope this communication finds you well. Thank you for your time, looking forward to a resolution that is fair for everyone, and makes a statement of the appreciation for our information. \n\nYours truly - XXXX XXXX","date_sent_to_company":"2024-11-04T19:11:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"65803","tags":null,"has_narrative":true,"complaint_id":"10680146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-04T19:05:51.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["With that request I spent {$35.00} to make full color copies of front and back <em>drivers</em> <em>license</em>, front and back social <em>security</em> card, front and back birth certificate, a letter from my utility provider on official letterhead explaining I am their customer- with company authorized signature, a few of the denials I received thanks to this situation, a copy of my lease, a few other miscellaneous proofs of address, and a copy of my diploma - again front and back."]},"sort":[9.418459,"10680146"]},{"_index":"complaint-public-v1","_id":"3263792","_score":8.556677,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/2019 at XXXX XXXX Subject : Fwd : Follow-up : XXXX XXXX Police Report Filing on Saturday XX/XX/2019 by XXXX XXXX Regarding Fraud To : XXXX Begin forwarded message XXXX From : XXXX XXXX XXXX Date : XX/XX/2019 at XXXX XXXX PDT To : XXXX Subject : Fwd : Follow-up : XXXX XXXX Police Report Filing on Saturday XX/XX/2019 by XXXX XXXX Regarding Fraud Hi there, I am writing to provide a written record of my experience with XXXX. I will not sign a hold harmless letter at this time as it is my understanding that XXXX is fully liable for enabling their client 's scam behavior. \n\nI am on a call with one of XXXX 's representatives now who has informed me that there is not a local email that I can sent my full report to, and thus I am emailing this email. \n\nAs a result, XXXX has on file a full record of what transpired and this can be referenced by XXXX representatives moving forward. \n\nPlease let me know what questions you have. \n\nBest, XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sat, XX/XX/2019 at XXXX XXXX Subject : Follow-up : XXXX XXXX Police Report Filing on Saturday XX/XX/2019 by XXXX XXXX Regarding Fraud To : XXXX Hi Officer XXXX, Thank you for taking your time to speak with me today and file a police report regarding the fraud I experienced on XX/XX/2019. Please find enclosed a detailed account of what occurred and what I have provided to my bank ( JP Morgan Chase ) in order to move forward with a Fraud claim I have filed with JP Morgan Chase. \n\n-- Start Secure Message To JP Morgan Chase -- I write to file a report in writing for a scam that was committed. \n\nOn XX/XX/2019, I reached out to a property manager, XXXX XXXX, regarding a XXXX posting. XXXX 's email is XXXX and his phone number is XXXX. \n\nOn XX/XX/2019, I completed a full rental application and was accepted. I was told to send {$3300.00} to the Landlord, XXXX XXXX, as outlined in the lease agreement. This amount was to cover the first month of rent plus the security deposit. XXXX 's email is XXXX. I do not know XXXX 's phone number. \n\nOn XX/XX/2019, I sent the requested {$3300.00} to : Account Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX Swift Cose : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX. \n\nMore happened and I can explain this if you would like me to. But the next big event is that I was told that I had to send another three months rent in order to secure the location. The lease agreement was updated to document this change in payment, and then I wired the requested amount. \n\nOn XX/XX/2019, I sent the requested additional {$3900.00} to XXXX XXXX at XXXX XXXX again. This amount was to cover an extra two months of rent because the landlord said that this was required in order to secure the apartment. \n\nThey also requested for me to send more money for a tenancy ID after this, but I refused until I moved in on XX/XX/2019. \n\nOn XX/XX/2019, I went to the location to move in. I received an email the morning of XX/XX/2019 from XXXX XXXX and XXXX XXXX saying that they were not going to come, my contract was cancelled because I did not pay the tenancy ID amount, and that they would refund me the full {$6900.00}. \n\nOn XX/XX/2019, I did not see a refund, and I reported the fraudulent activity to my bank, JP Morgan Chase. \n\nOn XX/XX/2019, I reported the fraudulent activity to XXXX XXXX bank. \n\nOn XX/XX/2019, I filed a police report in XXXX XXXX, CA. The police report number is XXXX. The emailI have on file for the XXXX Police is : XXXX. \n\nOn XX/XX/XXXX, I called XXXX  XXXX to provide the police report case number as well. \n\nI was notified by JPM that my wire recalls from XXXX XXXX were denied and that JPM can not help me anymore. I was advised by JPM to reach directly out to XXXX XXXX bank. \n\nI reached out to XXXX XXXX bank, and I was told that I can not receive any more information about this case, as this is a bank to bank process and that JPM has to reach out to XXXX XXXX so I should speak with someone from my bank. \n\nI went into a JPM branch today in XXXX XXXX, CA and spoke with XXXX XXXX. I was advised to send a secure message with the relevant information and am doing so now. \n\nPlease also find attached a copy of the lease agreement. \n\nThanks, XXXX -- For reference please find enclosed a trail of  emails. \n\nThe following conversation thread are words passed throughout XX/XX/2019. \n\nOn Thu, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote : Hello ! \n\nI am interested in the XXXX XXXX condo you posted on XXXX. \n\nGiven it all checks out, I can move in XX/XX/XXXX and pay one month 's rent upfront. \n\nFor reference : My credit score is regularly +800. \nI have a full time job. \nI don't drink or do drugs, just a lot of yoga and meditation. \nI also play violin, but will probably do that at XXXX. \n\nAt your convenience, please let me know if this location is still available and what information you need from me to proceed. \n\nCheers, XXXX I received a response from the property manager, XXXX. \n\n\nXXXX XXXX XXXX XX/XX/2019, XXXX XXXX to me Hi XXXX, Thanks for contacting me ; i am the property manager of the apartment you inquired about ; Beautifully updated 1 bedroom, 1 bathroom condo in XXXX XXXX . Sleek kitchen boasts new stainlesss appliances, quartz countertops and marble backsplash. A/C and additional storage room by parking. Perfect investment opportunity. Located in XXXX XXXX with close proximity to XXXX XXXX XXXX  's, XXXX XXXX, XXXX XXXX shops and XXXX. Award winning XXXX XXXX School District!. \n\n**The apartment is 800 sq. ft. \nAddress : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Bedrooms : 1 BD Bathrooms : 1 BA Style : Condo Parking : 1 Parking space Fully furnished ( but can also be rented unfurnished ), if you care about security this is the place to stay and its pet friendly. \n\nLease term is flexible, month to month, 6 months or 1 year lease term ... .... which can be renewed when it expires. \n\n* Available furnished {$2000.00} * Available unfurnished {$1800.00} * Security Deposit ( Refundable ) {$1500.00} Utilities ( Electricity, water, parking, gas, heat and sewer ) are included in the monthly rent ; and you can have it reserve now for your move in date if you wish. \n\nPlease keep in mind that our homes are very popular and are leasing extremely fast. I don't want you to miss out on the perfect home ; I strongly recommend beginning the process ASAP to secure your home & special leasing rental rates! \n\nIf this apartment satisfies what you are looking for, do let me know so that I can forward to you the tenancy form, lease contract for review and reservation details for booking. \n\nLastly, please note that 1 other possible renter have shown interest in this apartment also, and I will be obliged to rent out to anyone that makes reservation now. \n\nMy Regards, XXXX XXXX XXXX PS : The apartment will only be available for viewing from XX/XX/XXXX So you can schedule to come view the unit between XXXX and XXXX. Do let me know if you would like to begin the application process now so that I can forward to you the tenancy form. \n\nI responded. \n\n\nXXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to XXXX  Hi XXXX, Of course . Thank you for your prompt response. \n\nWonderful. I would like to reserve the spot now and start the process with you. \n\nPlease send over any required documentation. \n\nIn addition, may I swing by to see the location today or tomorrow? \n\nBest, XXXX And I responded a second time. \n\nXXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to XXXX  Hi XXXX, Two additional notes : 1. With regard to renting the location furnished or unfurnished, I would like to see the location first before I make that decision. \n\n2. With regard to the lease term, I am interested in 6 months initially. Given that my first few months are pleasant, I am interested in extending longer. \n\nBest, XXXX XXXX responded. \n\nHi XXXX,, This is to acknowledge your interest to begin the application process and reserve the apartment. I am glad to know that this apartment satisfies what you are looking for. So you can have the apartment reserve now for your desire move-in date if you wish. Please note that the property is privately owned and there is no application fee for this apartment. Electricity, garbage and other bills are included in the rent, fully furnished with sheets, towels and kitchenware and can also be rented unfurnished, if you wish to bring your furniture you are free to do so. There is Washer/Dryer in the unit. \n\nAs mentioned in my previous email the apartment will now be available for viewing from XX/XX/XXXX ; this is because the current occupant 's lease expires XX/XX/XXXX and he is expected to move out on or before the lease expiration since he is not renewing the lease, while professional cleaning will be done on the unit the next day. \n\nHowever, I want you to understand that the rental market in XXXX XXXX is competitive, so the apartment is on high demand and if you are really interested in this apartment I will advice you try and secure it now so that you do not loose it to other prospective tenants. Due to the high demand who secures it first gets the unit. To lock down the unit you will have to deposit only the first month 's rent plus the refundable security deposit after completing all the relevant rental documents. The payment is to be made upon signing of the lease contract to the landlord 's account as I am under no obligation to collect money from renter. Note that if you choose to lock down the unit now, and if after you have viewed the unit and you are not satisfied you can request for a REFUND which will be given to you that same instant. The terms and conditions of the contract gives you full refund if you do not want the apartment upon viewing. \n\nLease Plan Available : - One Month rent with a refundable security deposit. \n- 3 months upfront rent payment attract 10 % discount of the total plus refundable security deposit. \n- 6 months upfront payment attract discount of 10 % of the total rent plus a refundable security deposit. \n- Upfront payment a year lease attracts 15 % discount of the total rent with a refundable security deposit. \n\nIn the meantime, I have attached the rental application form, kindly download the form, fill out all necessary fields and return to me by e-mail or fax along with a copy of your ID and as soon as I receive the filled form I shall forward the lease contract agreement for your review. \n\nI will await your earliest response so that we can proceed with the securing of the apartment for your lease duration. \n\nMy Regards, XXXX XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I responded and provided my driver 's license as well as an attached rental application. \n\nHi XXXX, Yes I would like to reserve the location. Please find attached the relevant application along with my driver 's license enclosed. \n\nBest, XXXX XXXX responded and attached the unfilled lease agreement that is also attached here for reference. \n\nHi XXXX,, Once again i have received the scanned copy of your rental application form and copy of your ID.. I am indeed impressed and i will be glad to lease the apartment to you based on your request and the apartment will be ready for XX/XX/XXXX or XX/XX/2019 move-in date. Like i said in my previous email the lease terms is flexible and you can renew it when it expires. Be rest assure that the apartment is yours once the lease agreement has been sign. Parking is included in the rent and there is WIFI/Internet in the unit. \n\nI have sent you the lease contract agreement attached below, go through it and if you agree to the terms and conditions of the apartment you can go ahead and make deposit now to have the apartment reserve for you until your move-in. \n\nMonthly Rent : {$1800.00} Security deposit : {$1500.00} To make reservation, you are to make deposit for the first month rent ( {$1800.00} ) plus the security deposit ( {$1500.00} ), which totals {$3300.00} to the landlord account details below ; The terms and conditions of the contract gives you full refund if you do not want the apartment upon viewing. \n\nBank Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX Swift Code : XXXX Beneficiary Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX You are to fill out your name ( s ) where applicable and your move-in and move out date. You are to email or fax the lease contract signed and a copy of the wire transfer slip, as soon as payment is made and agreement signed the lease is yours. I will advice you try and secure it now so that you do not loose it to other prospective tenants who are also in contact me now. Like I said before who secures it first gets the unit. You should also note again that if for whatever reason when you get to view the apartment ( before move in ) you no longer want to take up the lease your deposit is fully refundable to you in cash. This is the law too although i am 101 % sure that will not happen but just so you know. \n\nPlease confirm receipt of the lease contract agreement and let me know your decision. \n\nWe look forward to a pleasant landlord/Tenant relationship when you move in. \n\nMy regards XXXX XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I responded with the rental agreement and a wire confirmation, also attached here. \n\nHi XXXX, Please find attached the lease agreement along with my confirmed wire transfer. \n\nAt your earliest convenience, please let me know when I can see the space and/or if I can also receive a layout of the space. \n\nI would also like to speak with you or XXXX over the phone or meet you in person this weekend prior to moving in. \n\nBest, XXXX XXXX responded : Hi XXXX, Once again thanks for your phone call and your email, i have gotten the scanned copy of your signed lease contract agreement and copy of the wire receipt. everything is okay with the signed lease agreement and we are good to go. \n\nPlease note that i have a busy schedule for this weekend except if we will have to do it by Saturday or Sunday XXXX, as i am currently very busy finalizing arrangement for my late mother burial. \n\nLet me know if the timing works for you or we can do Tuesday XXXX next week. \n\nPlease keep me posted and see you soon. \n\nMy regards, XXXX XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I responded : XXXX, I am so sorry for your loss. \n\nI appreciate that you responded to me so swiftly, even during this difficult time. I am happy to accommodate XXXX PT Saturday or Sunday, or can set aside time to come by Tuesday at XXXX PT. Please let me know what is most convenient for you. \n\nMy deepest sympathy, XXXX I felt weird about the email XXXX sent me so I responded the following : XXXX, I would like to meet in person tomorrow morning actually. \n\nLet 's meet at the apartment location. \n\nI am going to stop payment until I meet you in person. \n\nThanks, XXXX And I also said : I don't mean to be harsh but I just got another email from someone telling me I was scammed out of nowhere so I'm feeling like I want to make sure this is real before I push the money through. \n\nOn XX/XX/2019 at XXXX PT, XXXX responded : Hi XXXX, This is really embarrassing that you got email from someone else that you been scammed, can you do me a favor? by sending me copy of the email and also i can only meet with you tomorrow between XXXX to XXXX. Let me know if this will work for you and also i have to warn however that there has been indicated interest to make deposits for the apartment today by other applicant that infringes on the time you want the apartment for and i am bound by law to uphold any lease agreement signed where deposit has been made. \nLike i said before i will suggest that you not to stop the payment so you don't miss the unit and be 100 % assure that you will get your full refund if for any reason when come to view the unit tomorrow and you don't want it. \nDo get back to me and let me know your position and i also await copy of the email you got from the person telling you that you been scammed. Please i need that favor from you so i can verify that. \nThank you and XXXX bless. \nMy regards XXXX XXXX XXXX I then responded : Hi XXXX, Yes. This is embarrassing. And I feel really uncomfortable sending over the {$3300.00}. \n\nBut, the one time I actually cant meet today is after XXXX, as I have meetings straight from XXXX in XXXX. \n\nSo, to secure my spot, I just rewired over the {$3300.00}. I really hope you arent scamming me. \n\nPlease let me know when we can meet tomorrow. \n\nBest, XXXX XXXX then responded : Hi XXXX, Once again i have gotten the your email and the corresponding email from the other person and at this point i will advice you to disregards every email and stop further communication with them to avoid be scammed. I have same issue with this same person last 2 months with one of my apartment and these people will only deprive you from getting your home end up wasting your time and money. \n\nLike i said before you need to be very careful and ignore every email from them and do everything to finalize with the this lease so you don't miss out the place. Do follow up with your bank and let me know if the payment has gone through and as soon as i get the details and confirm i will also issue you a certified Landlord association receipt acknowledging payment. \n\nI hope this works for you and let me know your decision. \n\nMy regards XXXX XXXX XXXX Along with : XXXX, No problem, I understand. and thanks for your understanding and trust in me, be 100 % assure that the unit is yours and i look forward meeting you tomorrow. \n\nAnd another : Also send copy of the new wire receipt to me for my records. Thanks And another : Hi XXXX Please send scan copy of the new wire receipt for my perusal or is the old one still valid? \n\nDo keep me posted. \n\nMy regards, XXXX XXXX I then responded saying : Ok I will send confirmation shortly. \nCan you meet within the next hour by any chance? \nOr, can we meet tomorrow morning around XXXX or XXXX or XXXX PT? \n\nFollowed by a one line email sending my wire confirmations, attached here for reference : Please see attached for all wire receipts. \n\nXXXX responded : Received, thank you and like i said before still busy finalizing arrangement for my late mother burial and i will let you know if tomorrow XXXX will work, if not we will have to do it for tomorrow evening as schedule. I hope its okay with you. Thanks again for your understanding and cooperation and i really look forward toward a good relationship when you move in. \nRegards, XXXX I responded : Hi XXXX, Ok. Thank you for letting me know. \nAgain, I am really sorry about your loss. \nAt the same time, I trust you will understand how this situation could come off as a scam. \nI look forward to meeting you live and a good relationship when I move in too! \nI really hope this all checks out! \nBest, XXXX XXXX responded : Thank you for your understanding and do have a great day There are quite a few other emails, but those are the main ones for you to understand what the conversation was. \n\nOn XX/XX/2019, XXXX reached out again : Hello XXXX, Sorry for not responding back to you immediately, my apologies, i have been so busy and I am so sorry will not be available by XXXX or XXXX today due to unforeseen circumstances beyond my control and will be have to reschedule this after the weekend, moreover the current tenant just informed me that she out of the city for the this weekend.. I will be available as from Tuesday XXXX Morning I will be able to hand over the keys to you then if you decide to retain the unit after we have viewed it. You will still have ample time before you move in by the XXXX.I can assure you that the unit is ready to move in and you will not need to make any repairs or clean ups.I sincerely apologize for any inconveniences this may cause you. \nI will see you any time on Tuesday that works best for you. \nThanks for you patient and understanding. \nMy regards XXXX XXXX Hi XXXX, Attached below are the photos of the unit and the email from the current tenant. I will see you on Tuesday morning and handover the keys to you. \n\n-- End Secure Message To JP Morgan Chase --","date_sent_to_company":"2019-06-04T16:10:20.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"94402","tags":null,"has_narrative":true,"complaint_id":"3263792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-06-04T15:49:49.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My Regards, XXXX XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I responded and provided my <em>driver</em> 's <em>license</em> as well as an attached rental application. \n\nHi XXXX, Yes I would like to reserve the location. Please find attached the relevant application <em>along</em> with my <em>driver</em> 's <em>license</em> enclosed. \n\nBest, XXXX XXXX responded and attached the unfilled lease agreement that is also attached here for reference."]},"sort":[8.556677,"3263792"]},{"_index":"complaint-public-v1","_id":"12506689","_score":7.6139736,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX contacted me through a rental site called XXXX XXXX. The site links traveling students and professionals to host sites for short and mid-term rentals. I responded to her through the app, as well as via text on XX/XX/XXXX ( she indicated text was her preferred method of her communication ). During the course of our conversations, she informed me she was deaf, so we continued our communication via text and email. She said she was interested in staying at my property, so I sent her the lease that night on XX/XX/XXXX. She signed and returned the lease to me with a copy of her drivers license the same night. Her move in date was XX/XX/XXXX. I only require a {$250.00} deposit to hold the room with the XXXX  months rent due upon arrival on move-in day ; however, she said her dad pays her rent and will be sending the full amount to ensure the place is hers via a cashiers check. She confirmed the full name and address for the check and informed me it would be sent the next day. She also said she is having her car delivered and that it would arrive before her. I told her that was fine and to let me know when it would be delivered. XXXX days later on XX/XX/XXXX, I reached out to confirm she mailed it to the correct address and she informed me it should arrive the following XXXX, XX/XX/XXXX. In this same text she informed me that her dad included the delivery fee for the car in the check and said I hope you can be trusted with this. I responded absolutely and asked how she wanted me to handle it and she went on to tell me the check amount is {$4700.00} and that I should deduct the {$1900.00} for rent and cleaning fee, plus an extra {$50.00} for my time and the rest was for the car delivery. I asked if I would just be giving her the rest in person via cash and she said she would inquire with the dealership about their plans for receiving it. \nThen on XX/XX/XXXX she sent a text saying the check would arrive early in the week and she wanted to confirm the room was still being reserved for her. I confirmed yes. She said due to the checks delay she would not be moving in on XX/XX/XXXX and instead would move in the following week on XXXX, XX/XX/XXXX to allow time for the check to arrive and that the car would be delivered that weekend ( XXXX XXXX ). On XXXX, XX/XX/XXXX I sent a text requesting the checks tracking number since it was delayed. She said as soon as her father responds she would send it. On XX/XX/XXXX, I checked in via text inquiring again about the tracking and received no response. The following day, XX/XX/XXXX, she assured me she was still waiting to hear from her father. I then informed her that I would need to receive the tracking number of the security deposit of {$250.00} by end of day to continue to hold the room for her. At this point, I had missed out on several other potential renters who reached out to me about my property. She assured me shed have it but never sent it. I sent another message that evening checking in. The following morning, XX/XX/XXXX she responded shes still interested and apologized for the delay. On XXXX, XX/XX/XXXX, I reached out XXXX  inquiring about the tracking and security deposit telling her I would no longer hold the room without receiving that information. No response. \nThe following morning, XXXX, XX/XX/XXXX, she texted the tracking number and informed me it would arrive on XXXX, XX/XX/XXXX. She then said due to the delay, XXXX have the car delivered on XXXX  and XXXX move over the weekend ( XX/XX/XXXX ). I told her I wasnt available to be there on XXXX  so she said she would switch it to XXXX, XX/XX/XXXX. \nOn XXXX  XX/XX/XXXX we had several exchanges about the status of the certified envelope with the check. When the check arrived, no one was there to receive it so the XXXX left a notice on the door, XXXX, XX/XX/XXXX. On XXXX, XX/XX/XXXX I decided to go pick up the envelope from the XXXX XXXX \nOn XXXX, XX/XX/XXXX, I went into Wells Fargo bank ( branch located at XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX ) to deposit the check in person. The teller informed me I could have deposited via mobile app or the ATM, but I opted to wait to see the teller and make the deposit that way. Once I was seen I provided the check and asked if Id be able to get the funds immediately by cashing it because the bank associate told me when you deposit large amounts the funds arent released immediately, and it would be quicker to cash it and then deposit what you want. When I went to the teller, I asked for him to cash it and he said he couldnt. I said ok how long until the funds would be released? He said he believes {$400.00} is released on the XXXX  day and the rest is usually released the following day. I said that was fine. Then the teller went on to try to deposit the check. He couldnt deposit it and told me something is wrong with his system. I asked if his neighbor teller could do it and he said I can just do a mobile deposit. I asked if he was sure. At no point did he flag the check when he was unable to deposit it. He didnt warn that that could be a sign that the check is fraudulent, he didn't do any further investigation or inquiries even of myself, nor did he escalate it by inquiring with a colleague or XXXX to ensure the issue was his computer or something with the check. With his urging, while at the tellers window I went through the steps to deposit the check via mobile app. It went through. I said thank you and left. \n\nIn my account, it said pending which is normal for deposits. The following day, XXXX, XX/XX/XXXX, she texted me to tell me her dad said it cleared on his end and asked for me to check. When I did, it was showing as posted for me as well, which alerted me the check was posted and cleared for use. The amount was in my available funds, and everything looked good to go. Id also like to note that a deposit from my job had been sent the day before and it was still in the pending status even after this so that just further confirmed for me that the move to posted meant it was cleared. \nShe then confirmed the delivery and said they needed the delivery fee to paid for them to deliver the car as scheduled. She sent me the XXXX information for the delivery person and I sent the {$2700.00} to a XXXX XXXX XXXX ( not sure if the XXXX  in her text was a typo. I assumed it was ) using his email XXXX. I sent {$2700.00} to delivery person via XXXX because I felt I had to being it was her money and I had my portion already. Then she said she made a mistake and that she had a balance of {$350.00}. I told her I couldnt send it via XXXX because I had reached my daily limit. She then sent me someone to send it to for XXXX XXXX : XXXX  XXXX name XXXX XXXX. Cash app sends warnings along the way so I screenshot the warnings this might be a scam ( excerpt : Customers have reported issues receiving goods, services, or refunds when paying this account or accounts like this. ). She said thanks for checking but shes sure and I can proceed, theres nothing to worry about. We continue on confirming the time of arrival which was supposed to be XXXX. \nAt XXXX pm I reached out for a status update. At XXXX pm, I sent?. At XXXX pm, I sent XXXX?. I received no further responses. I checked my account and saw that my available balance was extremely low and no longer contained the funds included from the check. Then I received an email from Wells Fargo saying the check was withdrawn by the issuer because it was unauthorized. I knew then I had been scammed. \nI immediately called my bank to file a claim. They said the check was fraudulent and that the first sign should have been when the teller couldnt submit the check. The operator in the fraud department said she doesnt know why the teller would not have brought up the possibility of the check being fraudulent at that point because that is a sign the check is not real. The operator said as part of their process they will go to the issuing bank to try to recuperate the funds from the check. She told me that if that bank doesnt refund me, then I wont be able to get my money back. She also said they would investigate. The next morning ( today ), XXXX, XX/XX/XXXX at XXXX am, she texted me a message saying unfortunately, the tow driver got into an accident so shes not going to arrive until next week and will not be able to proceed with the rental. She said I can deduct half of the rent since its the middle of the month. I responded asking how she would like me to send her the remaining funds. After several hours, at XXXX am, she said the rest of the money should be sent via XXXX to XXXX ; name XXXX XXXX. I will continue to see what information I can receive. I asked her to request refunds from the XXXX and XXXX XXXX recipients since the car wasn't delivered. I told her I would send her all the funds together once I receive those refunds. \n\nNot only did I lose {$3100.00} of my own money which now means I cant pay my mortgage this month, but I also lost out on renting the unit to another renter who would have paid the {$1500.00} + {$250.00} to stay there. I turned them down saying we were booked. Please help! I want others to know of this scam and I also hope to get a refund of my money. I still have the certified envelope and check. Text messages ( phone number is XXXX. ) Email address used : XXXX. I also filed a notice with XXXX XXXX  so they can alert others and look into her profile. Lastly, I also reported the recipient for the cash app deposit. \n\nThank you for your assistance.","date_sent_to_company":"2025-03-16T15:52:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20020","tags":"Servicemember","has_narrative":true,"complaint_id":"12506689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-16T14:46:33.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I responded to her through the app, as well as via text on XX/XX/XXXX ( she <em>indicated</em> text was her preferred method of her communication ). During the course of our conversations, she informed me she was deaf, so we continued our communication via text and email. She said she was interested in staying at my property, so I sent her the lease that night on XX/XX/XXXX. She signed and returned the lease to me with a copy of her <em>drivers</em> <em>license</em> the same night. 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