{"took":168,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":17,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8096737","_score":15.521431,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. \n\nUpon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. \n\nXXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! \n\nIt is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. \n\nFurthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. \n\nI insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. \n\nPlease treat this dispute with the urgency and severity it deserves.","date_sent_to_company":"2024-01-04T04:45:33.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"94122","tags":null,"has_narrative":true,"complaint_id":"8096737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-04T04:41:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Upon reviewing my credit <em>report</em>, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an <em>alarming</em> breach of my financial <em>security</em>. \n\nXXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! \n\nIt is imperative that you delete these fraudulent accounts from my credit <em>report</em> immediately, as they are tarnishing my creditworthiness and causing me undue distress."]},"sort":[15.521431,"8096737"]},{"_index":"complaint-public-v1","_id":"8096796","_score":15.500792,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. \n\nUpon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. \n\nXXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! \n\nIt is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. \n\nFurthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. \n\nI insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. \n\nPlease treat this dispute with the urgency and severity it deserves.","date_sent_to_company":"2024-01-04T04:45:27.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"94122","tags":null,"has_narrative":true,"complaint_id":"8096796","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-04T04:41:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Upon reviewing my credit <em>report</em>, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an <em>alarming</em> breach of my financial <em>security</em>. \n\nXXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! \n\nIt is imperative that you delete these fraudulent accounts from my credit <em>report</em> immediately, as they are tarnishing my creditworthiness and causing me undue distress."]},"sort":[15.500792,"8096796"]},{"_index":"complaint-public-v1","_id":"8096736","_score":15.500792,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.\n\nUpon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. \n\nXXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! \n\nIt is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. \n\nFurthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. \n\nI insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. \n\nPlease treat this dispute with the urgency and severity it deserves.","date_sent_to_company":"2024-01-04T04:45:22.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"94122","tags":null,"has_narrative":true,"complaint_id":"8096736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-04T04:41:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Upon reviewing my credit <em>report</em>, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an <em>alarming</em> breach of my financial <em>security</em>. \n\nXXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! \n\nIt is imperative that you delete these fraudulent accounts from my credit <em>report</em> immediately, as they are tarnishing my creditworthiness and causing me undue distress."]},"sort":[15.500792,"8096736"]},{"_index":"complaint-public-v1","_id":"11294544","_score":13.423394,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint to demand immediate action against Credit Acceptance Corporation for egregious negligence, failure to safeguard consumer data, and willful refusal to rectify unauthorized access that severely impacted my credit. XXXX XXXX XXXX  repeated deflection of responsibility and contradictory responses demonstrate gross misconduct and necessitate regulatory intervention without delay. \n\nBackground of Violations : Unauthorized Access and Blatant Negligence : XXXX XXXX failed to implement the most basic security measures, allowing unauthorized access to my account. As a result, my XXXX manipulated my account through their online portal without my consent, leading to XXXX instances of XXXX late payments, XXXX instances of XXXX late payments, XXXX instances of XXXX late payments, and XXXX instances of XXXX late payments. This is not just negligenceit is a gross breach of duty that has irreparably damaged my credit. XXXX XXXX  lack of oversight is a direct violation of consumer protection laws, the Fair Credit Reporting Act ( FCRA ), and data security standards. \n\nAdmission of Unauthorized Access but Willful Refusal to Act : XXXX XXXX  explicitly admitted in writing on my previous complaint that unauthorized changes were made to my account, yet astonishingly dismissed responsibility by claiming they \" can not control when a person creates an account on the portal. '' This statement is a blatant admission of negligence and failure to protect consumer data. Refusing to correct the resulting credit damage constitutes willful noncompliance with the FCRA and displays a reckless disregard for consumer rights. \n\nContradictory Responses and Deceptive Practices : Recorded calls with XXXX XXXX representatives confirm acknowledgment of errors and fault, yet written responses from the company deny all wrongdoing. This inconsistency reveals deceptive practices designed to mislead consumers and avoid accountability. I formally demand that XXXX XXXX produce full transcripts or recordings of all calls where fault or negligence was acknowledged. These records are critical to exposing their liability and demonstrating their attempts to cover up wrongdoing. \n\nSevere Security Failures Ignored : I reported alarming security vulnerabilities within Credit Acceptances portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXX ) known to contain critical vulnerabilities. \n\nMissing XXXX security headers that expose consumer data to potential breaches. \n\nRather than addressing these severe risks, XXXX XXXX offered a vague and dismissive response, claiming the software referenced \" is not used for the portal '' without providing evidence. I demand that XXXX XXXX immediately produce their most recent security audit and evidence of corrective measures taken. Failure to provide this information is a glaring violation of consumer data protection obligations. \n\nDeliberate Misrepresentation Regarding Divorce Decree : Initially, XXXX XXXX acknowledged that my divorce decree, which legally obligated my XXXX to remove my name from the vehicle loan, warranted an investigation. However, they later reversed this position, citing CFPB guidelines as justification for inaction. This blatant reversal highlights deliberate misrepresentation and inconsistent internal policies. Such deceptive conduct not only misleads consumers but represents a pattern of dishonesty that must be addressed immediately. \n\nImmediate Action Demanded : I am demanding that the CFPB immediately launch a thorough investigation into Credit Acceptance Corporation for their gross negligence, willful noncompliance with the FCRA, and deceptive practices. Specifically, I request that the CFPB compel XXXX XXXX to : Remove all delinquencies from my credit report that resulted from unauthorized portal access. \n\nProvide full transcripts or recordings of all calls where their representatives admitted fault. \n\nConduct and share findings of their latest security audit and implement necessary corrective measures. \n\nEnforce clear, consistent policies regarding account responsibility in divorce-related cases, ensuring no further deceptive handling of such matters. \n\nThe severity of this matter can not be overstated. XXXX XXXX  reckless disregard for security, consumer protection laws, and ethical business practices poses a significant risk to consumers at large. I am prepared to provide all supporting documentation, including call records, email exchanges, and technical reports, to support this complaint and escalate further if necessary. \n\nThank you for your immediate attention to this critical issue. I look forward to the CFPB taking swift and decisive action against Credit Acceptance Corporation.","date_sent_to_company":"2024-12-27T23:01:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"446XX","tags":null,"has_narrative":true,"complaint_id":"11294544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-12-27T22:19:07.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Severe <em>Security</em> <em>Failures</em> <em>Ignored</em> : I <em>reported</em> <em>alarming</em> <em>security</em> vulnerabilities within Credit Acceptances portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXX ) known to contain critical vulnerabilities. \n\nMissing XXXX <em>security</em> headers that expose consumer data to potential breaches. \n\nRather than addressing these severe risks, XXXX XXXX offered a vague and dismissive response, claiming the software referenced \" is not used for the portal '' without providing evidence."]},"sort":[13.423394,"11294544"]},{"_index":"complaint-public-v1","_id":"11292742","_score":13.423394,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint to demand immediate action against XXXX XXXX XXXX for egregious negligence, failure to safeguard consumer data, and willful refusal to rectify unauthorized access that severely impacted my credit. XXXX XXXX 's repeated deflection of responsibility and contradictory responses demonstrate gross misconduct and necessitate regulatory intervention without delay. \n\nBackground of Violations : Unauthorized Access and Blatant Negligence : XXXX XXXX failed to implement the most basic security measures, allowing unauthorized access to my account. As a result, my ex-wife manipulated my account through their online portal without my consent, leading to 21 instances of 30-day late payments, 7 instances of 60-day late payments, 2 instances of 90-day late payments, and 2 instances of 120-day late payments. This is not just negligenceit is a gross breach of duty that has irreparably damaged my credit. XXXXXXXX XXXX lack of oversight is a direct violation of consumer protection laws, the Fair Credit Reporting Act ( FCRA ), and data security standards. \n\nAdmission of Unauthorized Access but Willful Refusal to Act : XXXX XXXX explicitly admitted in writing on my previous complaint that unauthorized changes were made to my account, yet astonishingly dismissed responsibility by claiming they \" can not control when a person creates an account on the portal. '' This statement is a blatant admission of negligence and failure to protect consumer data. Refusing to correct the resulting credit damage constitutes willful noncompliance with the FCRA and displays a reckless disregard for consumer rights. \n\nContradictory Responses and Deceptive Practices : Recorded calls with XXXX XXXX representatives confirm acknowledgment of errors and fault, yet written responses from the company deny all wrongdoing. This inconsistency reveals deceptive practices designed to mislead consumers and avoid accountability. I formally demand that XXXX XXXX produce full transcripts or recordings of all calls where fault or negligence was acknowledged. These records are critical to exposing their liability and demonstrating their attempts to cover up wrongdoing. \n\nSevere Security Failures Ignored : I reported alarming security vulnerabilities within XXXX XXXX portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXX ) known to contain critical vulnerabilities. \n\nMissing HTTP security headers that expose consumer data to potential breaches. \n\nRather than addressing these severe risks, XXXX XXXX offered a vague and dismissive response, claiming the software referenced \" is not used for the portal '' without providing evidence. I demand that XXXX XXXX immediately produce their most recent security audit and evidence of corrective measures taken. Failure to provide this information is a glaring violation of consumer data protection obligations. \n\nDeliberate Misrepresentation Regarding Divorce Decree : Initially, XXXX XXXX acknowledged that my divorce decree, which legally obligated my ex-wife to remove my name from the vehicle loan, warranted an investigation. However, they later reversed this position, citing CFPB guidelines as justification for inaction. This blatant reversal highlights deliberate misrepresentation and inconsistent internal policies. Such deceptive conduct not only misleads consumers but represents a pattern of dishonesty that must be addressed immediately. \n\nImmediate Action Demanded : I am demanding that the CFPB immediately launch a thorough investigation into XXXX XXXX XXXX for their gross negligence, willful noncompliance with the FCRA, and deceptive practices. Specifically, I request that the CFPB compel XXXX XXXX to : Remove all delinquencies from my credit report that resulted from unauthorized portal access. \n\nProvide full transcripts or recordings of all calls where their representatives admitted fault. \n\nConduct and share findings of their latest security audit and implement necessary corrective measures. \n\nEnforce clear, consistent policies regarding account responsibility in divorce-related cases, ensuring no further deceptive handling of such matters. \n\nThe severity of this matter can not be overstated. XXXX XXXX reckless disregard for security, consumer protection laws, and ethical business practices poses a significant risk to consumers at large. I am prepared to provide all supporting documentation, including call records, email exchanges, and technical reports, to support this complaint and escalate further if necessary. \n\nThank you for your immediate attention to this critical issue. I look forward to the CFPB taking swift and decisive action against XXXX XXXX XXXX.","date_sent_to_company":"2024-12-27T23:01:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"446XX","tags":null,"has_narrative":true,"complaint_id":"11292742","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-27T23:01:16.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Severe <em>Security</em> <em>Failures</em> <em>Ignored</em> : I <em>reported</em> <em>alarming</em> <em>security</em> vulnerabilities within XXXX XXXX portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXX ) known to contain critical vulnerabilities. \n\nMissing HTTP <em>security</em> headers that expose consumer data to potential breaches. \n\nRather than addressing these severe risks, XXXX XXXX offered a vague and dismissive response, claiming the software referenced \" is not used for the portal '' without providing evidence."]},"sort":[13.423394,"11292742"]},{"_index":"complaint-public-v1","_id":"11294171","_score":13.40917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint to demand immediate action against XXXX XXXX XXXX for egregious negligence, failure to safeguard consumer data, and willful refusal to rectify unauthorized access that severely impacted my credit. XXXX XXXX 's repeated deflection of responsibility and contradictory responses demonstrate gross misconduct and necessitate regulatory intervention without delay. \n\nBackground of Violations : Unauthorized Access and Blatant Negligence : XXXX XXXX failed to implement the most basic security measures, allowing unauthorized access to my account. As a result, my ex-wife manipulated my account through their online portal without my consent, leading to 21 instances of 30-day late payments, 7 instances of 60-day late payments, 2 instances of 90-day late payments, and 2 instances of 120-day late payments. This is not just negligenceit is a gross breach of duty that has irreparably damaged my credit. XXXXXXXX XXXX lack of oversight is a direct violation of consumer protection laws, the Fair Credit Reporting Act ( FCRA ), and data security standards. \n\nAdmission of Unauthorized Access but Willful Refusal to Act : XXXX XXXX explicitly admitted in writing on my previous complaint that unauthorized changes were made to my account, yet astonishingly dismissed responsibility by claiming they \" can not control when a person creates an account on the portal. '' This statement is a blatant admission of negligence and failure to protect consumer data. Refusing to correct the resulting credit damage constitutes willful noncompliance with the FCRA and displays a reckless disregard for consumer rights. \n\nContradictory Responses and Deceptive Practices : Recorded calls with XXXX XXXX representatives confirm acknowledgment of errors and fault, yet written responses from the company deny all wrongdoing. This inconsistency reveals deceptive practices designed to mislead consumers and avoid accountability. I formally demand that XXXX XXXX produce full transcripts or recordings of all calls where fault or negligence was acknowledged. These records are critical to exposing their liability and demonstrating their attempts to cover up wrongdoing. \n\nSevere Security Failures Ignored : I reported alarming security vulnerabilities within XXXX XXXX portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXXXXXX ) known to contain critical vulnerabilities. \n\nMissing HTTP security headers that expose consumer data to potential breaches. \n\nRather than addressing these severe risks, XXXX XXXX offered a vague and dismissive response, claiming the software referenced \" is not used for the portal '' without providing evidence. I demand that XXXX XXXX immediately produce their most recent security audit and evidence of corrective measures taken. Failure to provide this information is a glaring violation of consumer data protection obligations. \n\nDeliberate Misrepresentation Regarding Divorce Decree : Initially, XXXX XXXX acknowledged that my divorce decree, which legally obligated my ex-wife to remove my name from the vehicle loan, warranted an investigation. However, they later reversed this position, citing CFPB guidelines as justification for inaction. This blatant reversal highlights deliberate misrepresentation and inconsistent internal policies. Such deceptive conduct not only misleads consumers but represents a pattern of dishonesty that must be addressed immediately. \n\nImmediate Action Demanded : I am demanding that the CFPB immediately launch a thorough investigation into XXXX XXXX XXXX for their gross negligence, willful noncompliance with the FCRA, and deceptive practices. Specifically, I request that the CFPB compel XXXX XXXX to : Remove all delinquencies from my credit report that resulted from unauthorized portal access. \n\nProvide full transcripts or recordings of all calls where their representatives admitted fault. \n\nConduct and share findings of their latest security audit and implement necessary corrective measures. \n\nEnforce clear, consistent policies regarding account responsibility in divorce-related cases, ensuring no further deceptive handling of such matters. \n\nThe severity of this matter can not be overstated. XXXX XXXX reckless disregard for security, consumer protection laws, and ethical business practices poses a significant risk to consumers at large. I am prepared to provide all supporting documentation, including call records, email exchanges, and technical reports, to support this complaint and escalate further if necessary. \n\nThank you for your immediate attention to this critical issue. I look forward to the CFPB taking swift and decisive action against XXXX XXXX XXXX.","date_sent_to_company":"2024-12-27T23:01:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"446XX","tags":null,"has_narrative":true,"complaint_id":"11294171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-27T23:01:16.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Severe <em>Security</em> <em>Failures</em> <em>Ignored</em> : I <em>reported</em> <em>alarming</em> <em>security</em> vulnerabilities within XXXX XXXX portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXXXXXX ) known to contain critical vulnerabilities. \n\nMissing HTTP <em>security</em> headers that expose consumer data to potential breaches. \n\nRather than addressing these severe risks, XXXX XXXX offered a vague and dismissive response, claiming the software referenced \" is not used for the portal '' without providing evidence."]},"sort":[13.40917,"11294171"]},{"_index":"complaint-public-v1","_id":"11291788","_score":13.365138,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint to demand immediate action against XXXX XXXX XXXX for egregious negligence, failure to safeguard consumer data, and willful refusal to rectify unauthorized access that severely impacted my credit. XXXX XXXX 's repeated deflection of responsibility and contradictory responses demonstrate gross misconduct and necessitate regulatory intervention without delay. \n\nBackground of Violations : Unauthorized Access and Blatant Negligence : XXXX XXXX failed to implement the most basic security measures, allowing unauthorized access to my account. As a result, my ex-wife manipulated my account through their online portal without my consent, leading to 21 instances of 30-day late payments, 7 instances of 60-day late payments, 2 instances of 90-day late payments, and 2 instances of 120-day late payments. This is not just negligenceit is a gross breach of duty that has irreparably damaged my credit. XXXXXXXX XXXX lack of oversight is a direct violation of consumer protection laws, the Fair Credit Reporting Act ( FCRA ), and data security standards. \n\nAdmission of Unauthorized Access but Willful Refusal to Act : XXXX XXXX  explicitly admitted in writing on my previous complaint that unauthorized changes were made to my account, yet astonishingly dismissed responsibility by claiming they \" can not control when a person creates an account on the portal. '' This statement is a blatant admission of negligence and failure to protect consumer data. Refusing to correct the resulting credit damage constitutes willful noncompliance with the FCRA and displays a reckless disregard for consumer rights. \n\nContradictory Responses and Deceptive Practices : Recorded calls with XXXX XXXX representatives confirm acknowledgment of errors and fault, yet written responses from the company deny all wrongdoing. This inconsistency reveals deceptive practices designed to mislead consumers and avoid accountability. I formally demand that XXXX XXXX produce full transcripts or recordings of all calls where fault or negligence was acknowledged. These records are critical to exposing their liability and demonstrating their attempts to cover up wrongdoing. \n\nSevere Security Failures Ignored : I reported alarming security vulnerabilities within XXXX XXXX portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXXXXXX ) known to contain critical vulnerabilities. \n\nMissing HTTP security headers that expose consumer data to potential breaches. \n\nRather than addressing these severe risks, XXXX XXXX offered a vague and dismissive response, claiming the software referenced \" is not used for the portal '' without providing evidence. I demand that XXXX XXXX immediately produce their most recent security audit and evidence of corrective measures taken. Failure to provide this information is a glaring violation of consumer data protection obligations. \n\nDeliberate Misrepresentation Regarding Divorce Decree : Initially, XXXX XXXX acknowledged that my divorce decree, which legally obligated my ex-wife to remove my name from the vehicle loan, warranted an investigation. However, they later reversed this position, citing CFPB guidelines as justification for inaction. This blatant reversal highlights deliberate misrepresentation and inconsistent internal policies. Such deceptive conduct not only misleads consumers but represents a pattern of dishonesty that must be addressed immediately. \n\nImmediate Action Demanded : I am demanding that the CFPB immediately launch a thorough investigation into XXXX XXXX XXXX for their gross negligence, willful noncompliance with the FCRA, and deceptive practices. Specifically, I request that the CFPB compel XXXX XXXX to : Remove all delinquencies from my credit report that resulted from unauthorized portal access. \n\nProvide full transcripts or recordings of all calls where their representatives admitted fault. \n\nConduct and share findings of their latest security audit and implement necessary corrective measures. \n\nEnforce clear, consistent policies regarding account responsibility in divorce-related cases, ensuring no further deceptive handling of such matters. \n\nThe severity of this matter can not be overstated. XXXX XXXX  reckless disregard for security, consumer protection laws, and ethical business practices poses a significant risk to consumers at large. I am prepared to provide all supporting documentation, including call records, email exchanges, and technical reports, to support this complaint and escalate further if necessary. \n\nThank you for your immediate attention to this critical issue. I look forward to the CFPB taking swift and decisive action against XXXX XXXX XXXX.","date_sent_to_company":"2024-12-27T23:01:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"446XX","tags":null,"has_narrative":true,"complaint_id":"11291788","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-27T23:01:16.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Severe <em>Security</em> <em>Failures</em> <em>Ignored</em> : I <em>reported</em> <em>alarming</em> <em>security</em> vulnerabilities within XXXX XXXX portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXXXXXX ) known to contain critical vulnerabilities. \n\nMissing HTTP <em>security</em> headers that expose consumer data to potential breaches. \n\nRather than addressing these severe risks, XXXX XXXX offered a vague and dismissive response, claiming the software referenced \" is not used for the portal '' without providing evidence."]},"sort":[13.365138,"11291788"]},{"_index":"complaint-public-v1","_id":"10266195","_score":12.988762,"_source":{"product":"Debt collection","complaint_what_happened":"Affidavit of Complaint XXXX XXXX XXXX I am XXXX of the XXXX XXXX  I was born of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nAfter recieving several harrasing/alarming phone calls form a phone number XXXX, i decided to return to the call after being extremely alarmed. \n\nAfter speaking with over XXXX different representative I decided to file this affidavit of complaint to express the willful violations of my protected consumer rights, and the blatant willful noncompliance of all the representative. Who all failed to disclose the nature of the call ; no representative I have spoke with provided disclosure when asked if they were a debt collecting agencies. They blatantly stated that they will only answer yes or no to that question if I provide my name, date of birth and social. I informed them that pursuant to the FDCPA they most disclose the nature and cause of the call and state if it is ab attempted to collected a debt. I was transferred to several supervisors who also failed to disclose this information even when told that i am Reserving all my rights pursuant to ucc XXXX, the XXXX XXXX, XXXX, ftc, cfpb, XXXX. The company was aware of all these rights but still engaged in language fraud, intimidating communication, willful noncompliance and willful violation. \n\n\nAffidavit of Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> From : XXXX of the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Regarding Harassing Phone Calls and Violations of Consumer Rights Affidavit : I, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX hereby submit this affidavit to formally lodge a complaint against Halsted Financial Services regarding a series of XXXX  and XXXX  practices following alarming phone calls received from the phone number XXXX. \n\nXXXX. Background I have received phone calls from the aforementioned number, which have caused me significant distress and alarm. In response to these calls, I decided to return the call to ascertain the nature of the communication. \n\nXXXX. Conversations with Representatives Upon returning the call, I engaged with over XXXX different representatives. Throughout these interactions, I experienced a consistent failure on their part to disclose essential information regarding the nature of the calls. When I inquired if they were a debt collection agency, all representatives refused to provide an answer unless I disclosed my personal information, specifically my name, date of birth, and Social Security number. \n\nXXXX. Legal Obligations Ignored I informed each representative that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), they are required to disclose the nature and cause of the call and to confirm whether it is an attempt to collect a debt. Instead of complying, I was repeatedly transferred to supervisors who also failed to provide the necessary disclosures to inform me if the were a debt collection angency of company despite my insistence that I was reserving all my rights under relevant statutes including XXXX XXXX, XXXX, XXXX, XXXX, FTC, CFPB, and XXXX. \n\nXXXX. Unlawful Practices The consistent refusal of the representatives and supervisors to comply with these legal requirements constitutes willful noncompliance and blatant violations of my protected consumer rights. Their actions have included language fraud, intimidating communication, and a disregard for the legal obligations imposed upon them. \n\nXXXX. Request for XXXX In light of these experiences, I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to address these violations. I seek assurance that my consumer rights are protected and that measures will be implemented to prevent such unlawful practices from occurring in the future. \n\nXXXX. XXXX I declare under penalty of perjury that the foregoing is true and correct. \n\nXXXX. I entered verbal contract with Halsted Financial services for {$1000.00} per minute of phone call, {$1000.00} per transfer, {$1000.00} per violation, and {$150000.00} per report to any and all credit reporting agencies external of the CFPB. All representatives demonstrated acceptance by performance and perfecting contract as per vebal stipulation. \n\nSignature : XXXX XXXX","date_sent_to_company":"2024-09-27T17:09:11.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"19149","tags":null,"has_narrative":true,"complaint_id":"10266195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Halsted Financial Services, LLC.","date_received":"2024-09-27T16:08:53.000Z","state":"PA","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["When I inquired if they were a debt collection agency, all representatives refused to provide an answer unless I disclosed my personal information, specifically my name, date of birth, and Social <em>Security</em> number. \n\nXXXX. Legal Obligations <em>Ignored</em> I informed each representative that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), they are required to disclose the nature and cause of the call and to confirm whether it is an attempt to collect a debt."]},"sort":[12.988762,"10266195"]},{"_index":"complaint-public-v1","_id":"8561954","_score":11.724369,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Urgent Request for Investigation and Full Refund of Fraudulent Transactions Linked to My PayPal and XXXX XXXX XXXX  Accounts Dear Sir/Madam, I am writing to seek the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing a serious issue involving unauthorized transactions through my PayPal account , which subsequently affected my linked XXXX XXXX XXXX  account. Despite attempts to resolve this matter directly with both PayPal and XXXX XXXX XXXX, my disputes have been unjustly denied, leaving me without restitution for the significant financial loss I have suffered. Summary of the Incident : As a loyal PayPal user for over five years, I was alarmed to discover that my IRS tax refund had been illicitly withdrawn in multiple transactions, each exceeding {$100.00}. This fraudulent activity was not immediately apparent to PayPal 's security systems, leading to a significant breach of my financial security. Upon discovering these unauthorized transactions, I acted swiftly to contact the recipients, informing them of the situation, which resulted in the return of the funds to my PayPal account. These funds were then transferred back to my XXXX XXXX XXXX  account. Despite these efforts to mitigate the damages, both PayPal and XXXX XXXX XXXX  have denied my claims for a refund. Points of Dispute : Flawed Transaction History Analysis : My dispute with PayPal was denied under the pretense that the transactions matched my usual activity. This ignores the reality that the transactions were unauthorized, highlighting a significant oversight in PayPal 's fraud detection measures. Recurring Security Breaches : This incident is the third instance of unauthorized access to my account, underscoring a recurring vulnerability that PayPal has failed to adequately address. I informed PayPal that the transactions starting around XX/XX/XXXX were unauthorized transactions. The account that my funds were being transferred to has been sending money to their account and then when I reported it they sent the money back two times. I did not file a claim initially because I received my funds back on XX/XX/XXXX and XX/XX/XXXX from this account. I have been using PayPal for years and never experienced any issues so I did not understand what was going on but since my funds were returned I did not file a claim at the time. Then on XX/XX/XXXX, the same name started receiving money from my PayPal account again. Starting with {$50.00} transfers on XX/XX/XXXX and moving up to {$100.00} transfers and {$150.00} transfers until XX/XX/XXXX when I noticed and filled the claim. PayPal has denied my claim stating no unauthorized use and transaction history ignoring the fact that every transfer to this account has been unauthorized and my PayPal account has been hacked and accessed somehow. I have done my research and have concluded that the people running this scam understand the PayPal system so they know to create transaction history by pulling money from someone's account and sending it back a few times so the system thinks that the accounts have a relationship. After that is done they drain a person 's account and if they receive enough funds before it is reported and they get the money out of their account the scam has worked. XXXX XXXX XXXX  's Non-compliance : Despite having a zero-liability policy for unauthorized transactions, XXXX XXXX XXXX has also denied my claim, refusing to refund the fraudulently withdrawn funds. This failure to honor their policy compounds the financial injury I have experienced. Proactive Security Measures : In response to these breaches, I have severed the link between my PayPal and XXXX XXXX XXXX  accounts to prevent further unauthorized access, albeit after the fact. This decision reflects my diminished trust in both entities ' security protocols. Request for Resolution : In light of XXXX XXXX XXXX 's refusal to honor its zero-liability policy and PayPal 's inadequate response to this breach of security, I am requesting a full refund of the compromised amounts from both institutions. I urge the CFPB to initiate a thorough investigation into the fraudulent activity associated with my accounts and the subsequent handling of my disputes by PayPal and XXXX XXXX XXXX. Your immediate attention to this matter is critical, not only for the recovery of my funds but also to address potential systemic issues within these financial services that jeopardize consumer protection and trust. I am fully prepared to cooperate with your investigation and provide any additional information required. I appreciate your prompt response to this urgent matter. Around {$2100.00} was taken. Sincerely, XXXX XXXX Email : XXXX XXXX","date_sent_to_company":"2024-03-16T14:05:18.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"30062","tags":null,"has_narrative":true,"complaint_id":"8561954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-03-16T13:29:05.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Summary of the Incident : As a loyal PayPal user for over five years, I was <em>alarmed</em> to discover that my IRS tax refund had been illicitly withdrawn in multiple transactions, each exceeding {$100.00}. This fraudulent activity was not immediately apparent to PayPal 's <em>security</em> systems, leading to a significant breach of my financial <em>security</em>."]},"sort":[11.724369,"8561954"]},{"_index":"complaint-public-v1","_id":"20112480","_score":11.103806,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Statement of Problem : On XX/XX/year>, my local development server was compromised by a Remote Access Trojan ( RAT ) malware attack, turning it into a \" zombie machine. '' Hackers hijacked my active browser sessions to initiate XXXX unauthorized online purchases totaling over {$3100.00}. \nPayPal has officially denied my fraud claim ( Claim ID XXXX ) for the XXXX {$1700.00} XXXX XXXX charge. They are relying entirely on a spoofed IP match from my compromised computer to excuse their own catastrophic system failures. I demand that PayPal address the following undeniable facts and provide actual technical proof to this XXXX, rather than automated excuses : XXXX. The \" XXXX Bank '' XXXX of XXXX : PayPal claims the transaction was \" fully authorized '' because the IP address matched. However, the {$1700.00} XXXX XXXX transaction was forced through a completely closed bank account with a XXXX balance that remained listed on my profile. I demand that PayPal prove to the CFPB, with technical logs, exactly how a dead, closed bank account successfully communicated with their servers to authorize a {$1700.00} purchase. They can not, because this is a fatal flaw XXXX their authorization architecture. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX : During the attack, PayPals security alarms were triggered. At XXXX AM, they sent me an interactive SMS asking to confirm the payment. I immediately replied \" XXXX '' and \" Security breach. '' PayPal ignored the authorized account owner 's explicit denial and allowed the charge to process anyway, yet their automated SMS replies and web displays deceptively promised they were working on it. XXXX a final written response ( XX/XX/XXXX ), PayPal 's XXXX XXXX explicitly admitted their interactive SMS notifications are merely \" informational '' and can not stop a payment. \nXXXX. Misplaced Trust During an Active Crisis : Because PayPals system deceptively told me the situation was being handled, I relied on their promises. I was XXXX the middle of a massive cyber-crisis, frantically triaging and recovering my compromised local development servers. PayPal 's deceptive assurances crippled my ability to prioritize this financial breach. They robbed me of my \" golden window '' to react, as I trusted they were acting as my gatekeeper. \nXXXX. The XXXX XXXX vs. The Rushed Denial : PayPal claims their system detected nothing wrong, yet I was able to independently recover the accompanying {$1400.00} fraudulent charge directly from XXXX. XXXX 's fraud department recognized the illegitimacy of this exact same hijacked session and refunded the money without PayPal 's help. Meanwhile, PayPal rushed to close my XXXX XXXX dispute XXXX a mere XXXX daysafter the damage was already doneand stubbornly refuses to admit their algorithms failed to catch what another merchant easily verified. \nIndex of Attached Evidence : Please reference the XXXX attached files which conclusively prove the systemic failures outlined above : Exhibit XXXX : XXXX XXXX Receipt : Proves the hackers used an unauthorized XXXX XXXX drop address. It also displays a deceptive \" You reported a problem with this transaction '' headline, further contributing to the false sense of security that the issue was actively being handled. \nExhibit XXXX : XXXX XXXX XXXX XXXX : XXXX PayPal closed the investigation XXXX just XXXX days. \nExhibit XXXX : XXXX XXXX XXXX : Proves a legitimate merchant successfully identified this exact session as fraud. \nExhibit XXXX : PayPal XXXX ( XXXX Bank ) : The smoking XXXX proving PayPal forced a transaction through a dead bank account. \nExhibit XXXX : PayPal SMS Log : Proves PayPal sent an interactive security alert, received my explicit \" No '' and \" Security breach '' replies XXXX real-time, but allowed the charge to process anyway. \nExhibits XXXX & XXXX : XXXX Bank SMS Logs : Demonstrates how my traditional bank honored my real-time \" No '' response to block fraudulent charges on the exact same day. \nExhibit XXXX : XXXX Transaction History : Proves these massive electronic purchases were a severe behavioral anomaly. \nExhibit XXXX : XXXX XXXX Final Denial ( XX/XX/XXXX ) : PayPal 's official written admission that their security texts are merely \" informational. '' Exhibit XXXX : Collections & XXXX Threat ( XX/XX/XXXX ) : PayPal 's written refusal to manually halt automated collection harassment during an active regulatory dispute, explicitly daring me to serve them with a lawsuit. \n\n\nDesired Resolution : PayPal is hiding behind a hijacked IP address to excuse the fact that they ignored the actual account owner, bypassed dead financial instruments, and sent deceptive alerts that sabotaged my emergency response. Furthermore, they are actively weaponizing their collections department against me while refusing to halt automated systems. I request the CFPB compel PayPal to clear the {$1700.00} fraudulent negative balance, reverse the unauthorized charge, and cease all collection threats immediately.","date_sent_to_company":"2026-03-10T00:04:18.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"90630","tags":null,"has_narrative":true,"complaint_id":"20112480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-03-09T23:40:17.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX : During the attack, PayPals <em>security</em> <em>alarms</em> were triggered. At XXXX AM, they sent me an interactive SMS asking to confirm the payment. I immediately replied \" XXXX '' and \" <em>Security</em> breach. '' PayPal <em>ignored</em> the authorized account owner 's explicit denial and allowed the charge to process anyway, yet their automated SMS replies and web displays deceptively promised they were working on it."]},"sort":[11.103806,"20112480"]},{"_index":"complaint-public-v1","_id":"19046171","_score":10.56527,"_source":{"product":"Debt collection","complaint_what_happened":"Official Statement of Complaint I am filing this formal complaint against American Credit Acceptance ( ACA ) for persistent violations of the FDCPA, FCRA, and UCC. ACA has repeatedly failed to validate an alleged debt, refused valid tender of payment, and ignored a specific timeline of correspondence regarding suspicious lending practices. I demand that a copy of this complaint be served to ACAs legal department immediately to initiate a formal response.\n\nTimeline of Unanswered Correspondence & Suspicious Conduct The following letters were sent via mail ( copies attached ) and have been met with total silence or continued illegal collection efforts by ACA : XX/XX/XXXX : Letter regarding ACAs initial rejection of my consumer credit application. \nXX/XX/XXXX : Notice of Alarm regarding the nature of the debt. My concerns stem from the fact that ACA initially denied my credit application, yet I was later \" approved '' with no change in terms. I have since learned XXXX was seeking a buyer for the contract during this gap, suggesting a third-party intervention rather than direct funding. \nXX/XX/XXXX : Notice of Acceptance for Value ( AFV ) regarding the alleged obligation. \nXX/XX/XXXX : Follow-up letter questioning how ACA verified my address, as no proof of verification was provided. \nXX/XX/XXXX : Demand that all communication be in writing and a formal follow-up for the documentation requested on XX/XX/XXXX. \nXX/XX/XXXX : Notice of Fault in Dishonor for failing to respond to lawful notices. \nXX/XX/XXXX : Formal Demand for Debt Validation and a notice regarding ACAs illegal rejection of my remittance payment/coupons. \nXX/XX/XXXX : Second Notice of Acceptance for Value and additional notices sent directly to the CEO, CFO, Indenture Trustee, and Legal Department. \nDocumentation ACA Has Failed to Provide Despite the timeline above, ACA has withheld : Proof of Funding : Verifiable accounting records proving ACA used its own capital to fund the loan.\n\nChain of Assignment : Documented proof of every sale or transfer of the contract from XXXX to ACA or any Securitization Trust.\n\nUCC Compliance : Proof that the security interest was legally executed and recorded under UCC 9-203.\n\nSecuritization Records : The name of the trust and the prospectus if this loan was bundled into an Asset-Backed Security ( ABS ). \nViolations of Law UCC 3-603 ( Refusal of Tender ) : ACA rejected my remittance payments ( coupons ) and refused to return the physical property. Under UCC 3-603 ( b ), the refusal of a full tender of payment discharges the obligation to the extent of the tender.\n\n15 U.S.C. 1692g : Failure to cease collection and credit reporting after a timely dispute until the debt is validated.\n\n15 U.S.C. 1681s-2 : Reporting unverified, disputed data to credit bureaus without conducting a reasonable investigation. \nRelevant Litigation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General is actively litigating against Credit Acceptance for predatory lending and deceptive practices. XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX : ACAs {$98.00} XXXX settlement regarding improper notices proves a history of violating consumer rights.","date_sent_to_company":"2026-01-27T19:31:44.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"08016","tags":null,"has_narrative":true,"complaint_id":"19046171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2026-01-27T18:58:12.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Under UCC 3-603 ( b ), the refusal of a full tender of payment discharges the obligation to the extent of the tender.\n\n15 U.S.C. 1692g : <em>Failure</em> to cease collection and credit <em>reporting</em> after a timely dispute until the debt is validated.\n\n15 U.S.C. 1681s-2 : <em>Reporting</em> unverified, disputed data to credit bureaus without conducting a reasonable investigation."]},"sort":[10.56527,"19046171"]},{"_index":"complaint-public-v1","_id":"9179626","_score":10.251726,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please be aware that at no point in our communication am I acknowledging ownership of the account, Dear Columbia Debt Recovery LLC, I am writing to demand a detailed response to all aspects of my complaint, specifically concerning the {$12.00} increase in the alleged debt. It has come to my attention that Columbia has not provided a direct answer to my previous complaint. Therefore, I insist that you address the following points in detail, using the {$12.00} increase as the subject of your explanation : Complete Breakdown : A full breakdown of the {$12.00} increase, including the date it was applied, the nature of the increase ( interest, fees, etc. ), and the exact percentage that corresponds to this increase, in accordance with the 6 % per annum interest rate stipulated on page 7 of the Lease Agreement. Like you stated in your respond, Re-Aging Concerns : An explicit response to my concerns regarding the re-aging of the alleged debt. I request that you clarify how the debt was re-aged and provide evidence of compliance with credit reporting laws and regulations. Your prompt and detailed attention to this matter is of the utmost importance. Failure to adequately address my concerns may compel me to consider further legal action. When the interest rate is specified as per annum, it means that the interest is calculated once a year. so please explained how you calculated the amount to be XXXX $ with a 6 % percentage interest per year Thank you for your cooperation. below is my original complaint I need Columbia Debt Recovery to respond to each concern in my complaint in detailed ____________________________________________________________________________________________________ Please be aware that at no point in our communication am I acknowledging ownership of the account Complaint Against Columbia Debt Recoverys Unlawful Practices I am writing to lodge a formal complaint against Columbia Debt Recovery for its unlawful and deceptive debt collection practices concerning the account under my name and social security number. Despite my repeated requests for debt validation, Columbia has failed to provide the necessary documentation legally required before escalating any account to collections. I have specifically requested evidence of the first attempt to contact, as mandated by law, which Columbia has not only neglected to produce but has also fabricated correspondence that I have no record of receiving. Moreover, your company has blatantly disregarded my directive to cease all collection activities pending validation. Instead, I was alarmed to discover from XXXX that a new account was listed by Columbia Debt Recovery, with the debt amount arbitrarily increased by {$12.00}, from {$5400.00} to {$5500.00}. This unexplained and unauthorized increase is a clear violation of my consumer rights and raises serious questions about Columbias operational integrity. The credit bureaus have removed the collection account from my credit report after identifying it as fraudulent. Yet, Columbia has chosen to ignore this decision and has continued its pursuit without any legal standing. This is unacceptable and will not be tolerated. I demand an immediate and comprehensive explanation for the {$12.00} increase and insist that Columbia cease and desist from reporting any false information to the credit bureaus under my name and social security number. Your actions suggest a deliberate attempt to manipulate and re-age the alleged debt, which constitutes a serious breach of trust and, quite possibly, an act of fraud. Furthermore, the practice of re-entering an account on the credit report after it has been removed by adding an extra {$12.00} to the alleged original debt is an illegal method employed by collection agencies. This tactic is a flagrant abuse of the system and a violation of the Fair Debt Collection Practices Act ( FDCPA ). This letter serves as a stern warning that I am fully aware of my rights under the FDCPA and will not hesitate to take legal action against Columbia Debt Recovery for any further transgressions. I expect Columbia to rectify this situation promptly and to confirm in writing that all collection attempts have been halted and that the erroneous information has been retracted from my credit Failure to comply with these demands will result in immediate legal proceedings and formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant regulatory authorities. I await your urgent response to this serious matter. Sincerely","date_sent_to_company":"2024-06-05T14:41:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34747","tags":null,"has_narrative":true,"complaint_id":"9179626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2024-06-05T14:29:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Yet, Columbia has chosen to <em>ignore</em> this decision and has continued its pursuit without any legal standing. This is unacceptable and will not be tolerated. I demand an immediate and comprehensive explanation for the {$12.00} increase and insist that Columbia cease and desist from <em>reporting</em> any false information to the credit bureaus under my name and social <em>security</em> number."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[10.251726,"9179626"]},{"_index":"complaint-public-v1","_id":"18025001","_score":7.5292525,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint against Barclays Bank XXXX XXXX Barclays ) for their egregious mishandling of my JetBlue credit card account. This has resulted in significant damage to my credit profile, unnecessary exposure to identity theft risks, and a blatant disregard for fair lending practices and customer security. As a long-standing customer with an impeccable payment history, I have been subjected to incompetent, obstructive, and potentially illegal procedures that have caused me undue financial harm. Despite fully complying with their verification demandsincluding repeatedly providing the exact sensitive documents they requestedBarclays continues to stonewall me, refusing to approve the card or resolve the issues. I demand a thorough investigation into Barclays ' practices, immediate rectification of my account, and appropriate penalties against the bank for their reckless behavior. \nI have been a Barclays customer for over six years, holding their JetBlue credit card during this entire period. Throughout this time, I have made every payment on time and in full, maintaining an exemplary account history. My credit score exceeds XXXX, and I hold multiple other credit cards with aggregate limits surpassing {$100000.00}, demonstrating my strong financial standing and creditworthiness.\n\nThe issues began when I attempted to book a JetBlue flight and was presented with a promotion for the JetBlue PLUS card, which offered enhanced benefits. Given my longstanding relationship with Barclays and my existing JetBlue card, I reasonably assumed an upgrade would be straightforward without impacting my credit report. I contacted Barclays customer service by phone to inquire about upgrading my account. To my surprise, the representative informed me that no upgrade option was available and that I must apply for an entirely new card online. I expressed concern about the hard credit inquiry this would trigger, which could negatively affect my credit score, but was assured this was the only path forward. Reluctantly, I proceeded with the online application. \nThe application resulted in instant approval, but it was flagged for additional verification. A Barclays representative called me to gather more information. I provided and verified all requested details, including my date of birth, Social Security number, existing card number, address, and annual income of {$600000.00}, which they initially questioned as a potential error, despite it being accurate and verifiable. After this verification, the representative proposed closing my existing JetBlue card with its {$25000.00} credit limit, transferring that limit to the new JetBlue PLUS card, and issuing the new card immediately. I voiced strong objections, as this would result in two major negative impacts on my credit : the closure of a long-standing account ( reducing my average account age and available credit ) and a new hard inquiry. However, the representative insisted this was the sole option, leading me to agree under duress.\n\nThe representative then proceeded to close my existing account before finalizing the new one. This was a catastrophic error in process that left me vulnerable. Before completing the transfer, I was transferred to a security department representative, whom I can only describe as unprofessional and obstructive. Despite providing the exact same verification information, and more, this individual claimed they could not confirm my identity. They demanded that I mail physical copies of highly sensitive documents through the XXXX. XXXX XXXX  : my Social Security card ( front and back ), driver 's license, passport, and a utility bill as proof of address. I immediately raised alarms about the severe identity theft risks this posed, especially given the insecure nature of postal mail and my prior experience with identity theft. Barclays ' insistence on this archaic and dangerous method is not only outdated but recklessly endangers customers in an era of rampant data breaches and fraud.\n\nI made over five subsequent calls to Barclays, arguing with multiple representatives about the absurdity of this policy. Each time, I was told there was \" absolutely no way '' to submit documents securely via electronic means, such as encrypted email or a secure upload portal. These are standard practices at virtually every other financial institution. Finally, after persistent escalation, one supervisor begrudgingly authorized submission via fax. Lacking a fax machine ( as most modern consumers do ), I was forced to download a third-party app to send the fax, further exposing myself to potential identity theft risks through an unverified platform. Ironically, this was a method similar to one that led to my identity being stolen in the past.\n\nI faxed copies of my passport, driver 's license, and utility bills as requested. Unbelievably, Barclays then deemed this insufficient and doubled down, demanding a mailed photocopy of my Social Security card 's front and back. Despite my strong objections to the risks involved, I ultimately complied with this demand as well. I faxed copies of my Social Security card ( front and back ) over six separate times using the third-party app, each with confirmation of successful transmission and proof of delivery. Yet, Barclays continues to falsely claim they have not received these documents and has refused to approve the card or provide me with the credit I was promised.\n\nThis final refusal has been the breaking point, compounded by Barclays ' complete stonewalling at the highest levels. I have contacted their Office of the President multiple times, leaving over 10 detailed voicemails, but have received no response whatsoevernot even an acknowledgment of my calls. This deliberate inaction exemplifies their obstructive tactics and apparent intent to prolong the harm to my credit.\n\nAs a direct result of Barclays ' incompetence and inflexible policies, my credit has suffered three major derogatory marks : ( 1 ) the closure of my longstanding {$25000.00} credit line, reducing my total available credit and harming my utilization ratio ; ( 2 ) the loss of that credit line 's positive history from my credit report ; and ( 3 ) the hard inquiry from the new application, which remains unresolved because Barclays has not approved the card despite my full compliance with their demands. Had Barclays disclosed the full ramifications upfront or offered a simple upgrade without closure, I would never have proceeded. Their misleading representations and procedural failures have directly caused this damage.\n\nBarclays ' actions exhibit egregious behavior, including prematurely closing accounts without proper safeguards, misleading customers about application processes, enforcing outdated verification methods that prioritize internal bureaucracy over customer safety, and stonewalling even after customers provide requested documents. These practices pose significant risks to customers, such as heightened vulnerability to identity theft through insecure document transmission, unwarranted damage to credit scores that can lead to higher interest rates on future loans or denials of credit, and unnecessary financial stress from lost credit availability. Numerous complaints filed with the CFPB and XXXX  highlight similar issues with Barclays ' handling of fraud and verification, underscoring a pattern of negligence that endangers consumers ' financial well-being. \nAdditionally, Barclays has refused to provide any written decision regarding my application, deliberately stalling the process in an apparent attempt to coerce compliance or avoid resolution. This tactic exemplifies their egregious behavior by withholding transparency and documentation that consumers are entitled to under federal regulations, further exposing me to prolonged credit uncertainty and potential fraud risks. Such refusal violates the Fair Credit Reporting Act ( FCRA ) requirements for timely and written adverse action notices, as well as the Consumer Financial Protection Act 's prohibitions against unfair, deceptive, or abusive acts that hinder consumers ' ability to resolve disputes efficiently.\n\nFurthermore, these actions violate several key consumer protection laws. By closing my account prematurely and reporting it to credit bureaus without ensuring the new card could be issued, Barclays may have breached the Fair Credit Reporting Act ( FCRA ), which requires accuracy in credit reporting and proper notice for adverse actions affecting credit. Their refusal to provide secure, electronic document submission options contravenes the Gramm-Leach-Bliley Act ( GLBA ), specifically its Safeguards Rule, which mandates that financial institutions implement reasonable measures to protect sensitive customer information from unauthorized access or misuse. Insisting on mailing or repeatedly ignoring faxed highly sensitive documents like Social Security cards exposes customers to fraud risks, potentially constituting an unfair or deceptive act under the Consumer Financial Protection Act and FTC regulations. This not only fails to safeguard nonpublic personal information but also smacks of predatory tactics that exploit customers ' trust. Such violations undermine the integrity of the financial system and warrant severe penalties to deter future misconduct.\n\nI demand the following immediate remedies : A full investigation by the CFPB into Barclays ' credit card upgrade policies, verification procedures, customer service practices, and executive response protocols, with appropriate fines and sanctions to prevent future harm to consumers.\n\nImmediate approval of my JetBlue PLUS card application without further demands or delays.\n\nOvernight delivery of the new card to my address on file.\n\nReinstatement of my original {$25000.00} credit line on the new card, without any additional credit inquiries or closures reported to credit bureaus.\n\nRemoval of all negative impacts from my credit reports related to this incident, including the hard inquiry, account closure, and any associated derogatory notations.\n\nThank you for your attention to this serious matter. I look forward to your prompt action.","date_sent_to_company":"2025-12-14T06:17:16.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"29588","tags":null,"has_narrative":true,"complaint_id":"18025001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-12-14T06:04:47.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Insisting on mailing or repeatedly <em>ignoring</em> faxed highly sensitive documents like Social <em>Security</em> cards exposes customers to fraud risks, potentially constituting an unfair or deceptive act under the Consumer Financial Protection Act and FTC regulations. This not only fails to safeguard nonpublic personal information but also smacks of predatory tactics that exploit customers ' trust."]},"sort":[7.5292525,"18025001"]},{"_index":"complaint-public-v1","_id":"9681970","_score":6.13519,"_source":{"product":"Debt collection","complaint_what_happened":"ACCOUNTS CURRENTLY IN DEFAULT FOR FAILED DISCLOSURE AND ACCURACY OF DEBT ( BANK OF AMERICA N.A., ATTORNEY XXXX XXXX XXXX, AND XXXX XXXX, & XXXX XXXX ) AMOUNT UNPROVEN : Account XXXX {$5300.00} Account XXXX {$6800.00} XXXX requested a disclosure of XXXX items and accuracy of debt from BANK OF AMERICA N.A XXXX in XX/XX/year>. They ignored all my requests and merely sent me newly printed terms and services with old statements, proving nothing. \n\nI also lawfully requested they send all of their documents notarized under the penalty of perjury to ensure all information was accurate and current. They ignored my lawful instructions, grossly violating my consumer rights yet again. \n\nAt this point, BANK OF AMERICA N.A. has had over half a year to satisfy my lawful request for XXXX items for disclosure. The law states that \" a reasonable timeframe '' is sufficient for companies like BANK OF AMERICA N.A. to lawfully respond to a consumer 's lawful request for disclosure under federal and state consumer law and privacy rights. \n\nTo make matters worse, BANK OF AMERICA N.A. unlawfully expected payment while operating in default, negatively affecting my good credit score. It is against federal and state consumer law to have any expectation of payment while failing to prove the accuracy of debt and satisfying a request for disclosure. \n\nIf BANK OF AMERICAS N.A. had an interest in honoring federal and state consumer protection laws and privacy rights, they would've prevented themselves from reporting incorrect information onto my private credit profile and charging off the account unlawfully during a failed request for accuracy of debt and failing to furnish the XXXX items I requested for disclosure. \n\nShutting a consumer 's charge account without warning and charging off an unproven debt and a failed disclosure constitutes an adverse action, especially when the charge account is used for everyday expenses. \n\nBANK OF AMERICA N.A. 's disregard for federal and state consumer protection laws and privacy rights is evident in failing to issue me a 1099-c Internal Revenue Service ( IRS ) document for unlawfully charging off the debt.\n\nBANK OF AMERICA N.A 's failure to provide me with a 1099-c document and unlawful charging off the unproven debt constitutes an audit by the Internal Revenue Service ( IRS ) under forms 3949-A and 211.\n\nBANK OF AMERICA N.A. further ignored federal and state consumer protection laws and privacy rights by forwarding my sensitive personal information to a third-party debt collector ( Attorney XXXX XXXX XXXX and XXXX XXXX, XXXX, & XXXX XXXX XXXX Debt XXXX XXXX, XXXX, & XXXX XXXX XXXX XXXX me on XX/XX/year> after BANK OF AMERICA N.A XXXX unlawfully closed my account and charged it off. \n\nNaturally, I drafted affidavits of truth that would be notarized under the penalty of perjury to send to the unlawful parties contacting me within XXXX, XXXX, & XXXX XXXX ( XXXX XXXX and Attorney XXXX XXXX XXXX ). \n\nThe sent affidavits of truth notarized under the penalty of perjury had all relevant state and federal laws, codes, and statutes listed as they enforced the protection of my rights. \n\nIn addition, it was made clear to Attorney XXXX XXXX XXXX that she and BANK OF AMERICA N.A. violated federal and state consumer protection laws and privacy rights. Attorney XXXX XXXX XXXX and XXXX, XXXX, & XXXX XXXX are third-party debt collectors with no authority to contact me, let alone collect an unproven debt that had failed a lawful disclosure. \n\nAfter demanding Attorney XXXX XXXX XXXX provide me with the same XXXX items requested for disclosure from BANK OF AMERICA N.A. and evidence of the accuracy of the debt in question, Attorney XXXX XXXX XXXX did something so unlawful it became alarming. \n\nAttorney XXXX XXXX XXXX sent me the same baseless statement printouts BANK OF AMERICA N.A. sent me, but this time, a page with a remittance coupon was attached. Why would Attorney XXXX XXXX XXXX send me a remittance coupon for an account charged off unlawfully? More importantly, why was Attorney XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX attempting to collect a charged-off debt twice? Attorney XXXX XXXX XXXX 's actions also constitute an audit conducted by the Internal Revenue Service under forms 3949-A and 211. It also constitutes a formal public grievance with the Florida Bar addressing the unlawful practices of Attorney XXXX XXXX XXXX and XXXX, XXXX, & XXXX XXXX. \n\nAttorney XXXX XXXX XXXX couldn't possibly know that I'm fully aware remittance coupons can be indorsed, traded, or sold as a security or negotiable instrument. \n\nAttorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's attempt to collect a charged-off debt twice falls under a deceptive practice and raises potential legal issues. \n\nAttorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's failure to respond lawfully and promptly violates her code of conduct expressed by the Florida Bar. It also showcases her lack of competence when dealing with federal and state-protected consumer laws and privacy rights. \n\nIt was evident that my notarized affidavits were effective and showcased unlawful practices by Attorney XXXX XXXX XXXX, XXXX, XXXX, & XXXX XXXX, and BANK OF AMERICA N.A. Why else would Attorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX break a cease and desist order to contact me via email? \n\nIt was made clear to all parties that by law, the only suitable method of communication with me was via the United States Postal Service. Not honoring my lawful command showcases another example of Attorney XXXX XXXX XXXX 's disregard for federal and state consumer protection laws and privacy rights. \n\nAttorney XXXX XXXX XXXX 's email stated, \" Thank you foryouremail. Pleasecallmyofficeatyourconvenience and I would be happy to discuss this with you. '' I was pleasantly surprised when Attorney XXXX XXXX XXXX finally honored the law and responded to discuss this unlawful situation in a personable manner. \n\nThe following day, I called the office of XXXX, XXXX, & XXXX XXXX to speak to Attorney XXXX XXXX XXXX twice. She failed to call me back and never followed up, even though she was required to address this claim until it was satisfied fully, as expressed by the law. Attorney XXXX XXXX XXXX 's email was from XX/XX/year>, a little over XXXX weeks ago. I have not heard anything from Attorney XXXX XXXX XXXX since that email, even though I'm still sending enforcement affidavits notarized under the penalty of perjury. \n\nNow it's time to address Attorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's most deceptive practice. \n\nUpon searching public court records, I discovered Attorney XXXX XXXX XXXX had submitted a petition to have me served for small claims court on XX/XX/year>. Today 's date is XX/XX/year>, and she has failed to serve me lawful legal documents for adjudication. \n\nNot serving me court papers that would allow me to address this gross breach of my consumer and privacy rights raises some serious concerns about the ethical practices held by Attorney XXXX XXXX XXXX, BANK OF AMERICA N.AXXXX, and XXXX, XXXX, & XXXX XXXX. \n\nAttorney XXXX XXXX XXXX 's actions here go beyond a deceptive practice. Not serving me court documents is downright malicious and a gross breach of her code of conduct set forth by the Florida Bar. \n\nAttorney XXXX XXXX XXXX is fully aware I have done my due diligence throughout this abuse and fears confronting me in a court of law where she can not evade being under the penalty of perjury. \n\nAttorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX have shown nothing but bad faith and unethical practices throughout this unlawful process. \n\nWith all this said, Attorney XXXX XXXX XXXX isn't aware I know of our pre-trial on XX/XX/year>, in small claims court. I'm prepared to respond with my notarized answer and other motions to hold Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX accountable in small claims, federal, and state court. \n\nConsidering the gross violations conducted by Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX, they are each respectively accruing daily fines of {$100000.00} in perpetuity until my lawful demand for a notarized disclosure of the XXXX items demanded is satisfied or the commencement of federal and state adjudication. \n\nAll imposed fines doubled due to the gross violation of XXXX accounts by Attorney XXXX XXXX XXXX, Bank of America N.A., and XXXX, XXXX, XXXX XXXX XXXX. \n\nI have provided an affidavit of truth, sent to Attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. This affidavit was notarized under the penalty of perjury and includes relevant enforcement laws. \n\n\nXX/XX/year> Attorney XXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX. \nBANK OF AMERICA N.A. \nXXXX, Florida Subject : Default Notice - Willful Non-Compliance and Gross Negligence Regarding Disclosure Request - Fines Imposed Until Compliance Attorney XXXX XXXX XXXX, This letter serves as a default notice regarding my request for disclosure, which I initially made on XX/XX/year>. Despite sending Attorney XXXX XXXX XXXX and XXXX, XXXX, & XXXX XXXX XXXX ( XXXX ) affidavits of truth notarized under the penalty of perjury and a final notice, I have not received the necessary disclosure from Attorney XXXX XXXX XXXX. \n\nAccording to 15 United States Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and Florida Statutes Section 559.72, you must provide disclosure promptly and accurately. \n\nI contacted your office on XX/XX/year> following your request for a phone call. I left a message for you to schedule a phone call, but as of today, XX/XX/year>, I have not received any response. \n\nPer my previous communications, Attorney XXXX XXXX XXXX was allowed another XXXX calendar days to furnish the requested disclosure. Attorney XXXX XXXX XXXX 's failure to provide the requested disclosure within this timeframe constitutes a clear and ongoing violation of my rights and represents an unacceptable breach of professional conduct. \n\nAttorney XXXX XXXX XXXX, I demand that you furnish the following immediately from the receipt of this letter : -The original BANK OF AMERICA N.A XXXX applications ( both sides ) with wet signature, while not being redeemed with any bank. \n\nXXXXBANK OF AMERICA N.A . 's complete application agreement and terms, including all amendments and modifications. \n\n-Evidence of the monetary amount, including a detailed breakdown of the principal, interest, fees, and other charges. \n\n-Full payment history. \n\n-Documentation showing the original application 's chain of ownership and assignment of the debt. \n\n-Evidence that the original applications weren't sold as a security to any entity, including the United States Securities and Exchange Commission XXXX \n\n-The name and address of the actual original creditor and not the entity pretending to be. \n\n-Evidence of Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX authority to collect this debt. \n\n-Evidence that BANK OF AMERICA N.A. , Attorney XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX any value within this transaction. \n\n-Evidence that the statute of limitations on the debt has not expired. \n\nXXXXBANK OF AMERICA N.A . 's daily transaction report log for the original applications the day signed.\n\n-A wet contract showcasing a binding legal agreement between ( my name ), Attorney XXXX XXXX XXXX XXXX or XXXX, XXXX, & XXXX XXXX XXXX \n\n-BANK OF AMERICA N.A . 's public and private ledger for both accounts in question Imposition of Fines for Non-Compliance In light of Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX 's continued failure to comply, I am imposing fines of {$100000.00} for each day beyond the initial five-day period that the disclosure remains outstanding. These fines will accrue in perpetuity until I receive the requested disclosure or the commencement of federal and state adjudication. \n\nLegal Basis for Request I remind you that under 15 United States Code 1692g, 15 United States Code 1692e, and 15 United States Code 1692f of the FDCPA, and Florida Statutes Section 559.72, you are legally obligated to provide the requested disclosure and ensure the accuracy of the debt. Your failure to do so infringes on my consumer rights. It also showcases Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX 's willful non-compliance and gross negligence, violating these statutes. \n\nAdditionally, your conduct appears to violate several rules set by the Florida Bar, including, but not limited to : Rule 4-4.1 : Truthfulness in Statements to Others for failing to make truthful statements regarding the disclosure.\n\nRule 1.1 - Competence : Failing to provide full disclosure and accurate information demonstrates a lack of competence.\n\nRule 1.3 - Diligence : The failure to respond within the granted time frame indicates a lack of diligence.\n\nRule 3.2 - Expediting Litigation : Your non-compliance hinders the expeditious resolution of this matter.\n\nRule 8.4 - Misconduct : Engaging in conduct that is prejudicial to the administration of justice, including failure to adhere to legal obligations and provide truthful, complete information.\n\nProhibition on False Statements ( Rule 4-4.1 ( a ) ) : Lawyers must not knowingly make false statements of material fact or law to third persons during client representation.\n\nObligation to Disclose ( Rule 4-4.1 ( b ) ) : Lawyers must disclose material facts to third persons when necessary to avoid assisting a client 's criminal or fraudulent acts unless prohibited by confidentiality rules ( Rule 4-1.6 ).\n\nNo Affirmative Duty to Inform : While there is no general duty to inform opposing parties of relevant facts, misrepresentation is still prohibited. \n\nMisrepresentation : Misleading statements or omissions that could be equivalent to false statements are not allowed. \n\nCrime or Fraud by Client ( Rules 4-4.1 ( b ) & 4-1.2 ( d ) ) : Lawyers must not assist in a client 's criminal or fraudulent behavior and may need to disclose information to avoid complicity, depending on the situation and applicable laws. \n\nDeadline for Compliance Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX are operating in default and accruing fines daily until they satisfy my demand for the items requested for disclosure. With this in mind, I am granting Attorney XXXX XXXX XXXX til Friday, XX/XX/year>, to fulfill my demand for disclosure. Should Attorney XXXX XXXX XXXX fail to comply by this deadline, I will have no choice but to take further legal action, including but not limited to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney General 's Office. \n\nSubmit a formal public complaint to The Florida Bar regarding Attorney XXXX XXXX XXXX and XXXX, XXXX, & XXXX XXXX. 's unethical, unlawful, and fraudulent conduct. \n\nInitiate legal action in state and federal court to seek damages, including but not limited to emotional distress, statutory damages, and attorney fees. \n\nRequest an audit with the Internal Revenue Service ( IRS ) using forms 3949-A and 211 to investigate the unlawful practices of Attorney XXXX XXXX XXXX XXXX BANK OF AMERICA N.A. , and XXXX, XXXX, & XXXX XXXX XXXX \n\nThis affidavit of truth is evidence of Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX 's continued non-compliance and my attempts to resolve this matter amicably. I urge Attorney XXXX XXXX XXXX to take this notice of default seriously and provide the requested lawful disclosure immediately. \n\nAll correspondences from Attorney XXXX XXXX XXXX, BANK OF AMERICA XXXX, and XXXX, XXXX, & XXXX XXXX must arrive via the United States Postal Service notarized under the penalty of perjury as per 28 United States Code 1746. \n\nAny correspondence from Attorney XXXX XXXX XXXX or XXXX, XXXX, & XXXX XXXX that fails to follow my strict instructions will be deemed another gross violation of my consumer rights and a breach of the rules set by the Florida Bar. At this point, additional fines will be imposed, in addition to the daily {$100000.00} penalty already levied, for Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX 's continued default and refusal to comply with federal and state consumer protection laws and privacy rights. \n\nLastly, given that disclosure has been requested for XXXX separate accounts ( # and # ), please be advised that the penalties and fines will be applied individually for each account. Consequently, each account will accrue penalties for non-compliance, leading to a cumulative total of fines. These damages accrued will reflect the individual penalties for both accounts, resulting in an increased overall sum due to failing to provide the required disclosures for each account separately and grossly violating my consumer rights. \n\nAttorney XXXX XXXX XXXX XXXX XXXX, XXXX, & XXXX XXXX will receive this affidavit of truth notarized under the penalty of perjury shortly.","date_sent_to_company":"2024-08-01T22:46:54.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"32907","tags":null,"has_narrative":true,"complaint_id":"9681970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-01T22:39:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Attorney XXXX XXXX XXXX couldn't possibly know that I'm fully aware remittance coupons can be indorsed, traded, or sold as a <em>security</em> or negotiable instrument. \n\nAttorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's attempt to collect a charged-off debt twice falls under a deceptive practice and raises potential legal issues. \n\nAttorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's <em>failure</em> to respond lawfully and promptly violates her code of conduct expressed by the Florida Bar."]},"sort":[6.13519,"9681970"]},{"_index":"complaint-public-v1","_id":"9681677","_score":6.115878,"_source":{"product":"Debt collection","complaint_what_happened":"ACCOUNTS CURRENTLY IN DEFAULT FOR FAILED DISCLOSURE AND ACCURACY OF DEBT ( BANK OF AMERICA N.A., ATTORNEY XXXX XXXX XXXX, AND XXXX XXXX, & XXXX XXXX ) AMOUNT UNPROVEN : Account XXXX {$5300.00} Account XXXX {$6800.00} XXXX requested a disclosure of XXXX items and accuracy of debt from BANK OF AMERICA N.A XXXX in XX/XX/year>. They ignored all my requests and merely sent me newly printed terms and services with old statements, proving nothing. \n\nI also lawfully requested they send all of their documents notarized under the penalty of perjury to ensure all information was accurate and current. They ignored my lawful instructions, grossly violating my consumer rights yet again. \n\nAt this point, BANK OF AMERICA N.A. has had over half a year to satisfy my lawful request for XXXX items for disclosure. The law states that \" a reasonable timeframe '' is sufficient for companies like BANK OF AMERICA N.A. to lawfully respond to a consumer 's lawful request for disclosure under federal and state consumer law and privacy rights. \n\nTo make matters worse, BANK OF AMERICA N.A. unlawfully expected payment while operating in default, negatively affecting my good credit score. It is against federal and state consumer law to have any expectation of payment while failing to prove the accuracy of debt and satisfying a request for disclosure. \n\nIf BANK OF AMERICAS N.A. had an interest in honoring federal and state consumer protection laws and privacy rights, they would've prevented themselves from reporting incorrect information onto my private credit profile and charging off the account unlawfully during a failed request for accuracy of debt and failing to furnish the XXXX items I requested for disclosure. \n\nShutting a consumer 's charge account without warning and charging off an unproven debt and a failed disclosure constitutes an adverse action, especially when the charge account is used for everyday expenses. \n\nBANK OF AMERICA N.A. 's disregard for federal and state consumer protection laws and privacy rights is evident in failing to issue me a 1099-c Internal Revenue Service ( IRS ) document for unlawfully charging off the debt.\n\nBANK OF AMERICA N.A 's failure to provide me with a 1099-c document and unlawful charging off the unproven debt constitutes an audit by the Internal Revenue Service ( IRS ) under forms 3949-A and 211.\n\nBANK OF AMERICA N.A. further ignored federal and state consumer protection laws and privacy rights by forwarding my sensitive personal information to a third-party debt collector ( Attorney XXXX XXXX XXXX and XXXX XXXX, XXXX, & XXXX XXXX XXXX Debt XXXX XXXX, XXXX, & XXXX XXXX unlawfully contacted me on XX/XX/year> after BANK OF AMERICA N.A XXXX unlawfully closed my account and charged it off. \n\nNaturally, I drafted affidavits of truth that would be notarized under the penalty of perjury to send to the unlawful parties contacting me within XXXX, XXXX, & XXXX XXXX ( XXXX XXXX and Attorney XXXX XXXX XXXX ). \n\nThe sent affidavits of truth notarized under the penalty of perjury had all relevant state and federal laws, codes, and statutes listed as they enforced the protection of my rights. \n\nIn addition, it was made clear to Attorney XXXX XXXX XXXX that she and BANK OF AMERICA N.A. violated federal and state consumer protection laws and privacy rights. Attorney XXXX XXXX XXXX and XXXX, XXXX, & XXXX XXXX are third-party debt collectors with no authority to contact me, let alone collect an unproven debt that had failed a lawful disclosure. \n\nAfter demanding Attorney XXXX XXXX XXXX provide me with the same 13 items requested for disclosure from BANK OF AMERICA N.A. and evidence of the accuracy of the debt in question, Attorney XXXX XXXX XXXX did something so unlawful it became alarming. \n\nAttorney XXXX XXXX XXXX sent me the same baseless statement printouts BANK OF AMERICA N.A. sent me, but this time, a page with a remittance coupon was attached. Why would Attorney XXXX XXXX XXXX send me a remittance coupon for an account charged off unlawfully? More importantly, why was Attorney XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX attempting to collect a charged-off debt twice? Attorney XXXX XXXX XXXX 's actions also constitute an audit conducted by the Internal Revenue Service under forms 3949-A and 211. It also constitutes a formal public grievance with the Florida Bar addressing the unlawful practices of Attorney XXXX XXXX XXXX and XXXX, XXXX, & XXXX XXXX. \n\nAttorney XXXX XXXX XXXX couldn't possibly know that I'm fully aware remittance coupons can be indorsed, traded, or sold as a security or negotiable instrument. \n\nAttorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's attempt to collect a charged-off debt twice falls under a deceptive practice and raises potential legal issues. \n\nAttorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's failure to respond lawfully and promptly violates her code of conduct expressed by the Florida Bar. It also showcases her lack of competence when dealing with federal and state-protected consumer laws and privacy rights. \n\nIt was evident that my notarized affidavits were effective and showcased unlawful practices by Attorney XXXX XXXX XXXX, XXXX, XXXX, & XXXX XXXX, and BANK OF AMERICA N.A. Why else would Attorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX break a cease and desist order to contact me via email? \n\nIt was made clear to all parties that by law, the only suitable method of communication with me was via the United States Postal Service. Not honoring my lawful command showcases another example of Attorney XXXX XXXX XXXX 's disregard for federal and state consumer protection laws and privacy rights. \n\nAttorney XXXX XXXX XXXX 's email stated, \" Thank you foryouremail. Pleasecallmyofficeatyourconvenience and I would be happy to discuss this with you. '' I was pleasantly surprised when Attorney XXXX XXXX XXXX finally honored the law and responded to discuss this unlawful situation in a personable manner. \n\nThe following day, I called the office of XXXX, XXXX, & XXXX XXXX to speak to Attorney XXXX XXXX XXXX twice. She failed to call me back and never followed up, even though she was required to address this claim until it was satisfied fully, as expressed by the law. Attorney XXXX XXXX XXXX 's email was from XX/XX/year>, a little over three weeks ago. I have not heard anything from Attorney XXXX XXXX XXXX since that email, even though I'm still sending enforcement affidavits notarized under the penalty of perjury. \n\nNow it's time to address Attorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's most deceptive practice. \n\nUpon searching public court records, I discovered Attorney XXXX XXXX XXXX had submitted a petition to have me served for small claims court on XX/XX/year>. Today 's date is XX/XX/year>, and she has failed to serve me lawful legal documents for adjudication. \n\nNot serving me court papers that would allow me to address this gross breach of my consumer and privacy rights raises some serious concerns about the ethical practices held by Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX. \n\nAttorney XXXX XXXX XXXX 's actions here go beyond a deceptive practice. Not serving me court documents is downright malicious and a gross breach of her code of conduct set forth by the Florida Bar. \n\nAttorney XXXX XXXX XXXX is fully aware I have done my due diligence throughout this abuse and fears confronting me in a court of law where she can not evade being under the penalty of perjury. \n\nAttorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX have shown nothing but bad faith and unethical practices throughout this unlawful process. \n\nWith all this said, Attorney XXXX XXXX XXXX isn't aware I know of our pre-trial on XX/XX/year>, in small claims court. I'm prepared to respond with my notarized answer and other motions to hold Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX accountable in small claims, federal, and state court. \n\nConsidering the gross violations conducted by Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX, they are each respectively accruing daily fines of {$100000.00} in perpetuity until my lawful demand for a notarized disclosure of the 13 items demanded is satisfied or the commencement of federal and state adjudication. \n\nAll imposed fines doubled due to the gross violation of two accounts by Attorney XXXX XXXX XXXX, Bank of America N.A., and XXXX, XXXX, XXXX XXXX XXXX. \n\nI have provided an affidavit of truth, sent to Attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. This affidavit was notarized under the penalty of perjury and includes relevant enforcement laws. \n\n\nXX/XX/year> Attorney XXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX. \nBANK OF AMERICA N.A. \nXXXX, Florida Subject : Default Notice - Willful Non-Compliance and Gross Negligence Regarding Disclosure Request - Fines Imposed Until Compliance Attorney XXXX XXXX XXXX, This letter serves as a default notice regarding my request for disclosure, which I initially made on XX/XX/year>. Despite sending Attorney XXXX XXXX XXXX and XXXX, XXXX, & XXXX XXXX XXXX ( XXXX ) affidavits of truth notarized under the penalty of perjury and a final notice, I have not received the necessary disclosure from Attorney XXXX XXXX XXXX. \n\nAccording to 15 United States Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and Florida Statutes Section XXXX, you must provide disclosure promptly and accurately. \n\nI contacted your office on XX/XX/year> following your request for a phone call. I left a message for you to schedule a phone call, but as of today, XX/XX/year>, I have not received any response. \n\nPer my previous communications, Attorney XXXX XXXX XXXX was allowed another XXXX calendar days to furnish the requested disclosure. Attorney XXXX XXXX XXXX 's failure to provide the requested disclosure within this timeframe constitutes a clear and ongoing violation of my rights and represents an unacceptable breach of professional conduct. \n\nAttorney XXXX XXXX XXXX, I demand that you furnish the following immediately from the receipt of this letter : -The original BANK OF AMERICA N.A XXXX applications ( both sides ) with wet signature, while not being redeemed with any bank. \n\n-BANK OF AMERICA N.A . 's complete application agreement and terms, including all amendments and modifications. \n\n-Evidence of the monetary amount, including a detailed breakdown of the principal, interest, fees, and other charges. \n\n-Full payment history. \n\n-Documentation showing the original application 's chain of ownership and assignment of the debt. \n\n-Evidence that the original applications weren't sold as a security to any entity, including the United States Securities and Exchange Commission XXXX \n\n-The name and address of the actual original creditor and not the entity pretending to be. \n\n-Evidence of Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX authority to collect this debt. \n\n-Evidence that BANK OF AMERICA N.A. , Attorney XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX any value within this transaction. \n\n-Evidence that the statute of limitations on the debt has not expired. \n\n-BANK OF AMERICA N.A . 's daily transaction report log for the original applications the day signed. \n\n-A wet contract showcasing a binding legal agreement between ( my name ), Attorney XXXX XXXX XXXX XXXX or XXXX, XXXX, & XXXX XXXX XXXX \n\n-BANK OF AMERICA N.A . 's public and private ledger for both accounts in question Imposition of Fines for Non-Compliance In light of Attorney XXXX XXXX XXXX, BANK OF AMERICA XXXX, and XXXX, XXXX, & XXXX XXXX 's continued failure to comply, I am imposing fines of {$100000.00} for each day beyond the initial five-day period that the disclosure remains outstanding. These fines will accrue in perpetuity until I receive the requested disclosure or the commencement of federal and state adjudication. \n\nLegal Basis for Request I remind you that under 15 United States Code 1692g, 15 United States Code 1692e, and 15 United States Code 1692f of the FDCPA, and Florida Statutes Section 559.72, you are legally obligated to provide the requested disclosure and ensure the accuracy of the debt. Your failure to do so infringes on my consumer rights. It also showcases Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX 's willful non-compliance and gross negligence, violating these statutes. \n\nAdditionally, your conduct appears to violate several rules set by the Florida Bar, including, but not limited to : Rule XXXX : Truthfulness in Statements to Others for failing to make truthful statements regarding the disclosure. \n\nRule XXXX - Competence : Failing to provide full disclosure and accurate information demonstrates a lack of competence. \n\nRule XXXX - Diligence : The failure to respond within the granted time frame indicates a lack of diligence. \n\nRule XXXX - Expediting Litigation : Your non-compliance hinders the expeditious resolution of this matter. \n\nRule XXXX - Misconduct : Engaging in conduct that is prejudicial to the administration of justice, including failure to adhere to legal obligations and provide truthful, complete information. \n\nProhibition on False Statements ( Rule 4-4.1 ( a ) ) : Lawyers must not knowingly make false statements of material fact or law to third persons during client representation. \n\nObligation to Disclose ( Rule 4-4.1 ( b ) ) : Lawyers must disclose material facts to third persons when necessary to avoid assisting a client 's criminal or fraudulent acts unless prohibited by confidentiality rules ( Rule 4-1.6 ). \n\nNo Affirmative Duty to Inform : While there is no general duty to inform opposing parties of relevant facts, misrepresentation is still prohibited. \n\nMisrepresentation : Misleading statements or omissions that could be equivalent to false statements are not allowed. \n\nCrime or Fraud by Client ( Rules 4-4.1 ( b ) & 4-1.2 ( d ) ) : Lawyers must not assist in a client 's criminal or fraudulent behavior and may need to disclose information to avoid complicity, depending on the situation and applicable laws. \n\nDeadline for Compliance Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX are operating in default and accruing fines daily until they satisfy my demand for the items requested for disclosure. With this in mind, I am granting Attorney XXXX XXXX XXXX til Friday, XX/XX/year>, to fulfill my demand for disclosure. Should Attorney XXXX XXXX XXXX fail to comply by this deadline, I will have no choice but to take further legal action, including but not limited to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney General 's Office. \n\nSubmit a formal public complaint to The Florida Bar regarding Attorney XXXX XXXX XXXX and XXXX, XXXX, & XXXX XXXX. 's unethical, unlawful, and fraudulent conduct. \n\nInitiate legal action in state and federal court to seek damages, including but not limited to emotional distress, statutory damages, and attorney fees. \n\nRequest an audit with the Internal Revenue Service ( IRS ) using forms XXXX and XXXX to investigate the unlawful practices of Attorney XXXX XXXX XXXX XXXX BANK OF AMERICA N.A. , and XXXX, XXXX, & XXXX XXXX XXXX \n\nThis affidavit of truth is evidence of Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX 's continued non-compliance and my attempts to resolve this matter amicably. I urge Attorney XXXX XXXX XXXX to take this notice of default seriously and provide the requested lawful disclosure immediately. \n\nAll correspondences from Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX must arrive via the United States Postal Service notarized under the penalty of perjury as per 28 United States Code 1746. \n\nAny correspondence from Attorney XXXX XXXX XXXX or XXXX, XXXX, & XXXX XXXX that fails to follow my strict instructions will be deemed another gross violation of my consumer rights and a breach of the rules set by the Florida Bar. At this point, additional fines will be imposed, in addition to the daily {$100000.00} penalty already levied, for Attorney XXXX XXXX XXXX, BANK OF AMERICA N.A., and XXXX, XXXX, & XXXX XXXX 's continued default and refusal to comply with federal and state consumer protection laws and privacy rights. \n\nLastly, given that disclosure has been requested for two separate accounts ( # and # ), please be advised that the penalties and fines will be applied individually for each account. Consequently, each account will accrue penalties for non-compliance, leading to a cumulative total of fines. These damages accrued will reflect the individual penalties for both accounts, resulting in an increased overall sum due to failing to provide the required disclosures for each account separately and grossly violating my consumer rights. \n\nAttorney XXXX XXXX XXXX XXXX XXXX, XXXX, & XXXX XXXX will receive this affidavit of truth notarized under the penalty of perjury shortly.","date_sent_to_company":"2024-08-01T22:29:05.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"32907","tags":null,"has_narrative":true,"complaint_id":"9681677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-01T22:03:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Attorney XXXX XXXX XXXX couldn't possibly know that I'm fully aware remittance coupons can be indorsed, traded, or sold as a <em>security</em> or negotiable instrument. \n\nAttorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's attempt to collect a charged-off debt twice falls under a deceptive practice and raises potential legal issues. \n\nAttorney XXXX XXXX XXXX of XXXX, XXXX, & XXXX XXXX 's <em>failure</em> to respond lawfully and promptly violates her code of conduct expressed by the Florida Bar."]},"sort":[6.115878,"9681677"]},{"_index":"complaint-public-v1","_id":"14413306","_score":5.7589808,"_source":{"product":"Prepaid card","complaint_what_happened":"URGENT FORMAL COMPLAINT : Gross Negligence, Repeated Fraud, and Unjust Denial of Claims by Bank of America EDD XXXX XXXX XXXX Account XXXX in XXXX Total Stolen : Nearly {$40000.00} Dear Consumer Financial Protection Bureau, I am writing to file an urgent and comprehensive formal complaint against Bank of America XXXX Prepaid Card Services regarding a catastrophic series of events that has resulted in the theft of nearly {$40000.00} of my California unemployment benefits. This ordeal, spanning over five years, is a clear demonstration of gross negligence, egregious corporate misconduct, and a complete disregard for consumer protection that has led to profound personal suffering, including homelessness, eviction, and severe emotional and financial devastation. \nXXXX. Account Establishment and Initial Unresolved Access Issues On XXXX, an unemployment insurance prepaid debit card account was opened on my behalf by the California XXXX XXXX Bank of America to receive my bi-weekly benefits during the pandemic. I was informed a debit card would be sent for access to these funds. \nFrom the very beginning, I never received a physical debit card. This exact scenarionot receiving a card, reporting it lost or stolen to Bank of America, and a new one being re-issuedrepeatedly occurred more than 5, but less than 10 times. Each time, Bank of America representatives reassured me my funds were \" 100 % secured and safe '' and advised me to simply \" keep an eye out '' for the new card. My efforts to protect my mail, including reporting ongoing mail theft to local authorities ( Police Report # XXXX ), were tragically unsuccessful. Despite these repeated warnings and my proactive measures, Bank of America failed to implement any effective security protocols or provide alternative methods for me to access my legitimate funds. \nXXXX. XXXX XXXX XXXX and First Theft of Funds My inability to access funds had devastating consequences. Approximately XXXX months into the lockdown, my fianc, who was financially supporting us, tragically passed away at only XXXX XXXX XXXX on [ approximate date of fianc 's passing ], just one week before our planned wedding. This left me in an unfathomable state of grief and without financial support, while Bank of America continued to withhold my funds with \" the same old story. '' The situation culminated in my eviction from my home on XX/XX/XXXX, at XXXX a.m. This was a direct result of Bank of America holding my money \" UNSAFELY HELD XXXX, '' denying me access to the funds I needed to pay rent. This eviction led to the loss of all my belongings, left an eviction on my record ( severely impacting future housing ), and forced me into homelessness, literally sleeping outside in a park. I was entirely dependent on food stamps to avoid physical starvation. \nDuring this period of extreme vulnerability, I contacted Bank of America again. It was then, to my profound shock, that I was informed my account had been \" completely 100 % emptied to {$0.00} '' by an unauthorized individual. This criminal had illegally accessed one of the physical cards repeatedly stolen from my mailbox and, through research I've gathered, acquired my private identifying credentials to activate it. The emotional distress upon hearing this news was overwhelming, triggering a full-blown XXXX XXXX, immense grief, despair, and a feeling of complete betrayal and fury. Despite my suspicions of fraud, I immediately reported the unauthorized transactions and opened a claim for approximately {$26000.00}. This initial claim was denied without any explanation in the very early days of my homelessness, leaving me utterly destitute. \n3. Undisclosed Claim Reversal and Second Theft of Funds Approximately nine months after relocating to XXXX, California ( where I managed to secure temporary housing with a family friend due to my eviction record ), I received a confusing email from Bank of America about \" recent activity '' on my account. As I believed the account was closed after the initial denial, I was alarmed and contacted them. \nTo my astonishment, I learned that Bank of America had unilaterally reversed the denial of my initial claim and approved it with no communication or notification whatsoever to me. Crucially, despite the account 's documented history of being compromised by mail theft and fraud, Bank of America failed to implement any necessary security precautions. They did not close the compromised account, did not reopen a new account with a new number, and did not consider alternative secure options like sending a check. \nPredictably, and horrifyingly, immediately after these funds were approved and deposited into the previously compromised account, they were \" totally liquidated and spent all the way down to the last penny. '' The only email notification I ever received from Bank of America throughout our entire relationship was after this second theft, informing me the account was empty. \nXXXX. Continuous Denials, Bogus Explanations, and Obvious Stonewalling ( Claim No. XXXX ) Upon discovering this second theft of approximately {$22000.00}, I initiated a new claim ( Claim No. XXXX ) on XX/XX/XXXX. During this process, for the very first time, I actually received a physical debit card, albeit for an account with no funds. \nThis claim has been denied and required reconsideration over XXXX times. Each denial letter is an identical, seemingly automated response stating, \" during our research, we identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use your card or account. '' I have been more than vigilant, providing extensive documentation, including : * Original police report from mail theft. \n* A more current police report. \n* Documentation proving I am a victim of identity theft via an Equifax data breach ( dating back to XXXX ), demonstrating my PII was compromised. \n* A federal IRS identity theft affidavit form. \n* My written reconsideration requests as mandated by Bank of America after XX/XX/XXXX, which stipulated new documentation for each appeal. \nDespite repeatedly requesting the specific documentation Bank of America relied upon for their denials, as they are obligated to provide, I have never received any such supporting documents from them. This lack of transparency, coupled with identical denial letters, strongly suggests an automated, AI-generated system that disregards evidence. Supervisors and representatives themselves admit they have never \" seen with their own two eyes '' or spoken to a human from this \" reconsideration team, '' further solidifying my suspicion of a non-existent or automated department designed to deny legitimate claims. \n5. Bank of America 's Own Evidence Contradicts Their Denials On XX/XX/XXXX, in response to a complaint I filed on this website, XXXX XXXX XXXX Bank of America ) provided a denial that at least offered specifics. She claimed denials were based on me being \" in the same place that the transactions were made. Based on account address. '' I directly countered this with irrefutable legal documentation : * Legal eviction documents signed by the sheriff ( XX/XX/XXXX ), proving I was no longer living at the address where they claimed I had on file or where cards were continuously sent and stolen. \n* A one-year lease agreement ( XX/XX/XXXX- XX/XX/XXXX ), proving I was living in an entirely different city and county, far from where any of the disputed transactions occurred. \nDespite this overwhelming evidence, on XX/XX/XXXX, Bank of America issued another denial letter stating, \" your written request didn't include new information or documents supporting your claim. As a result, your claim will continue to remain denied... we identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use your card or account. '' This is a blatant and insulting disregard for concrete legal proof. \nAdding insult to injury, I was evicted a second time from my residence due to non-payment, again directly because Bank of America refused me access to my rightful funds. This second eviction compounded my homelessness, forcing me to live in a tent on a river bottom, further hindering my ability to pursue this case. \nXXXX. Bank of America 's Own Admission of Fault Most critically, after moving to XXXX, California, I received a letter from Bank of America XXXX XXXX Department providing me a check for over {$8100.00}. This check was \" owed to me for the financial harm that I have endured from not having access to my account nor the funds in this account during the impact dated period of XX/XX/XXXX, through XX/XX/XXXX. '' This is Bank of America 's own unequivocal admission that I had no access to my account or funds during the very period when the two major thefts occurred, directly contradicting their repeated denials that transactions were \" authorized by me or someone with my permission. '' I immediately sent this as \" new documentation '' to their claims department, expecting it to finally approve my claim. It was immediately denied again with the same generic \" no new information '' excuse. \n7. Demand for Action I have exhausted all internal avenues with Bank of America. They have consistently stonewalled me, lied, ignored irrefutable evidence, and shown a complete lack of accountability for their role in the theft of my funds and the subsequent devastating impact on my life. My \" 5-year investigation '' into these matters, documented with overwhelming proof that I have provided to Bank of America , makes it unequivocally clear that this institution has no regard for its consumers and actively covers up its failures. \nI demand the Consumer Financial Protection Bureau intervene and compel Bank of America to : * Immediately reimburse me the full amount of all stolen unemployment benefits, totaling nearly {$40000.00}. \n* Provide full compensation for the immense emotional distress, two evictions, homelessness, loss of all belongings, and continued financial and personal devastation directly caused by their gross negligence and predatory practices.\n\n* Conduct a thorough, independent investigation into the Bank of America EDD Prepaid Card Services, specifically addressing their claims process, security failures, and the alleged automated denial system.\n\n* Hold all responsible parties within Bank of America accountable for their actions and inactions.\n\nI have provided Bank of America with every piece of documentation I have acquired. I implore the CFPB to review this egregious case and ensure that justice is served. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-02T23:13:24.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"92604","tags":null,"has_narrative":true,"complaint_id":"14413306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-02T22:30:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["They have consistently stonewalled me, lied, <em>ignored</em> irrefutable evidence, and shown a complete lack of accountability for their role in the theft of my funds and the subsequent devastating impact on my life. My \" 5-year investigation '' into these matters, documented with overwhelming proof that I have provided to Bank of America , makes it unequivocally clear that this institution has no regard for its consumers and actively covers up its <em>failures</em>."]},"sort":[5.7589808,"14413306"]},{"_index":"complaint-public-v1","_id":"13431369","_score":2.8770146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO WHOM IT MAY CONCERN, THIS DOCUMENT AND ALL ENCLOSED MATERIALS HAVE BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). \nI am formally disputing inaccurate information on my credit report under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). I demand that this dispute be investigated in compliance with federal law.\n\nYour history of failing to comply with dispute resolution laws is well-documented : XXXX XXXX XXXX ) Fined {$15.00} XXXX for ignoring consumer disputes and reinstating incorrect information. \nXXXX XXXX XXXXXXXX ) Sued for manipulating dispute outcomes and failing to correct errors. \nTransUnion ( XXXX ) Lost a {$60.00} XXXX jury verdict for false security watchlist labeling. \nI expect a written response sent to the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX Additionally, you are required to confirm receipt of this dispute within 14 business days. \nTHIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). Failure to respond will lead to immediate legal escalation. \nSincerely, XXXX XXXX XXXX Page 1 of 11 To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! \nBelow is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Open Account Type : XXXXXXXX XXXX Balance Owed : XXXX {$250000.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX Creditor Type : -Banking Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$270000.00} Last Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 2 of 11 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX XXXX Type : XXXX {$1600.00} AsAgreed XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Past Due Amount : XXXX Payment Frequency : XXXX Term Length : XXXX -- -- - The information in the upper section was never proven to meet compliance reporting standards. The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! \nAlso, see the image above for XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nLets examine Account XXXX ( XXXX ) showing Mortgage I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! \nWhen I scrutinized Payment Amount ( XXXX ) presenting {$1600.00}. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. \nLets examine Payment Status ( XXXX ) showing AsAgreed Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nUpon inspecting Balance Owed ( XXXX ) exhibiting {$250000.00}. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA.\n\nUpon inspecting Last Verified ( XXXX ) exhibiting XXXX. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. \nI was looking at High Balance ( XXXX ) expressing {$270000.00}. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. \nXXXX XXXX XXXX  XXXX - XXXX Page 3 of 11 TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX AsAgreed Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$32000.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED REPORTED BY GRANTOR Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$37000.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$710.00} Payment Frequency : XXXX Payment Status : XXXX AsAgreed Term Length : XXXX Loan Type : Automobile The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. \nAlso, see the image above for XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nI want to bring to your attention Payment Amount ( XXXX ) reporting {$710.00}. \nThis account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. \nUpon inspecting Account Type ( XXXX ) exhibiting Installment. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX adherence to applicable compliance standards for this particular account. \nI want to bring to your attention Payment Status ( XXXX ) reporting AsAgreed. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? \nXXXX XXXX XXXX - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$5700.00} Closed Date : XXXX Credit Limit : XXXX Creditor Remarks : XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER Creditor Type : -XXXX  Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX Y High Balance : XXXX {$5700.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX Payment Frequency : XXXX Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX Loan Type : - I am contacting you regarding the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. According to your records, this account is currently listed as XXXX, opened on XXXX, with a date of last activity recorded as XXXX, and last verified on XXXX. This information is incorrect, and I am requesting the immediate deletion of this account from my credit report. \nUnder XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain and report only accurate information. I also request that you provide me with the specific documentation used to verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 5 of 11 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  SC XXXX SSN : XXXX DOB : FXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX this account, along with evidence supporting the {$5700.00}, as I firmly dispute this amount. \nThe significance of ensuring accurate reporting was notably emphasized in XXXX v. XXXXXXXX XXXX  of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ). \nIn this case, the court found that failing to conduct a reasonable investigation into disputed accounts was a violation of the FCRA, resulting in damages awarded to the plaintiff. This ruling underscores your obligation to ensure the accuracy of the information reported about my account. \nFurthermore, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court highlighted that credit reporting agencies must promptly remove information that is inaccurate or can not be verified. This case establishes a clear precedent that unverifiable information, such as the incorrect details on my report, must be corrected or deleted. \nConsidering these legal precedents, I urge you to take immediate action to investigate and rectify this matter, as required by federal law. \nAlso, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). \nIve highlighted and circled additional areas of concern. \nLets examine Date Opened ( XXXX ) showing XXXX. That's not quite right. \nWhat is your current level of compliance with XXXX  standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately! \nLets examine Creditor Type ( - ) showing XXXX XXXX with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! \nWhen I scrutinized High Balance ( XXXX ) presenting {$5700.00}. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards Viewing Account # ( XXXX ) demonstrating XXXX. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately!\n\nLets examine Last Verified ( XXXX ) showing XXXX. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. \nXXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Page 6 of 11 Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$4900.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX PROFIT AND LOSS WRITEOFF Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$5400.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$0.00} Payment Frequency : XXXX Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX Loan Type : - I am writing to dispute the inaccurate reporting of the accounXXXX XXXX XXXX  with number XXXX on my credit report. This account is currently reflected as CollectionOrChargeOff, with an opening date of XXXX, a date of last activity of XXXX, and was last verified on XXXX. This information is incorrect, and I am formally requesting that this account be removed immediately. \nAs outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccurate information and have it corrected or deleted if it can not be verified. Therefore, I request that you provide the documentation used to verify this accounts accuracy, including proof of the {$4900.00}, as I dispute this amount.\n\nTwo legal cases further highlight the obligations of credit reporting agencies. \nIn XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that failure to conduct an adequate investigation into a consumer dispute is a direct violation of the FCRA. This case underscores your responsibility to investigate and rectify any inaccuracies promptly. \nSimilarly, XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reinforced that inaccurate or unverifiable information must be corrected or removed from a consumers credit report. The precedent set in these cases supports my demand for a thorough investigation into the inaccuracies on my report. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 7 of 11 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Also, see the image above for XXXX XXXX XXXX XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nWhen I scrutinized Last Verified ( XXXX ) presenting XXXX I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at XXXX. There seems to be some discrepancies and I would like them resolved immediately! \nI was looking at Account Rating ( XXXX ) expressing CollectionOrChargeOff. \nThere is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! \nI want to bring to your attention High Balance ( XXXX ) reporting {$5400.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! \nI want to bring to your attention Account Description reporting Individual The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! \nBring to your attention Creditor Remarks ( XXXX ) reporting PROFIT AND LOSS WRITEOFF What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! \nXXXX  - XXXX TransUnion Account # : XXXX Account Rating : XXXX Account Type : XXXX Closed Date : XXXX XXXX Installment XXXX Creditor Remarks : XXXX Date Opened : XXXX XXXX TransUnion Account Description : Individual Account Status : XXXX Balance Owed : XXXX Credit Limit : XXXX Creditor Type : Date Reported : Open {$2100.00} XXXX Finance XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX XXXX {$1700.00} XXXX {$240.00} Late30Days Loan Type : - TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute Status : XXXX Last Payment XXXX XXXX XXXX Due Amount : XXXX XXXX -- - Payment Frequency : XXXX Term Length : XXXX -- - The information above has not been verified to meet reporting standards. \nThe data provided is not complete, accurate, or up-to-date, and I demand that it be corrected. \nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nIve highlighted and circled additional areas of concern. \nWhen I scrutinized Account # ( XXXX ) presenting XXXX. \nCompliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant Upon inspecting Last Verified ( XXXX ) exhibiting XXXX. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Viewing Payment Amount ( XXXX ) demonstrating {$240.00}. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? \nAs a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated Yours Truly XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action","date_sent_to_company":"2025-05-09T10:06:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29418","tags":null,"has_narrative":true,"complaint_id":"13431369","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-09T10:02:39.000Z","state":"SC","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":["TransUnion ( XXXX ) Lost a {$60.00} XXXX jury verdict for false <em>security</em> watchlist labeling. \nI expect a written response sent to the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX Additionally, you are required to confirm receipt of this dispute within 14 business days. \nTHIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). <em>Failure</em> to respond will lead to immediate legal escalation."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[2.8770146,"13431369"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":17,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":17}]}},"product":{"doc_count":17,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":4},{"key":"Credit card debt","doc_count":2},{"key":"Auto debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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