{"took":166,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11294544","_score":17.158321,"_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> <em>vulnerabilities</em> within Credit Acceptances portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXX ) known to contain critical <em>vulnerabilities</em>. \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":[17.158321,"11294544"]},{"_index":"complaint-public-v1","_id":"11292742","_score":17.158321,"_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> <em>vulnerabilities</em> within XXXX XXXX portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXX ) known to contain critical <em>vulnerabilities</em>. \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":[17.158321,"11292742"]},{"_index":"complaint-public-v1","_id":"11294171","_score":17.14733,"_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> <em>vulnerabilities</em> within XXXX XXXX portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXXXXXX ) known to contain critical <em>vulnerabilities</em>. \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":[17.14733,"11294171"]},{"_index":"complaint-public-v1","_id":"11291788","_score":17.09346,"_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> <em>vulnerabilities</em> within XXXX XXXX portal, including : Outdated software ( XXXX XXXX XXXX XXXX XXXXXXXX ) known to contain critical <em>vulnerabilities</em>. \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":[17.09346,"11291788"]},{"_index":"complaint-public-v1","_id":"8561954","_score":13.932778,"_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":["This <em>ignores</em> the reality that the transactions were unauthorized, highlighting a significant oversight in PayPal 's fraud detection measures. Recurring <em>Security</em> Breaches : This incident is the third instance of unauthorized access to my account, underscoring a recurring <em>vulnerability</em> that PayPal has failed to adequately address. I informed PayPal that the transactions starting around XX/XX/XXXX were unauthorized transactions."]},"sort":[13.932778,"8561954"]},{"_index":"complaint-public-v1","_id":"18025001","_score":9.851757,"_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":[9.851757,"18025001"]},{"_index":"complaint-public-v1","_id":"14413306","_score":6.8598833,"_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":[6.8598833,"14413306"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7}]}},"product":{"doc_count":7,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":7,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with personal statement of dispute","doc_count":4}]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}}]}},"timely":{"doc_count":7,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":7}]}},"company_response":{"doc_count":7,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":6},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":7,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":7}]}},"company":{"doc_count":7,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1}]}},"state":{"doc_count":7,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"OH","doc_count":4},{"key":"CA","doc_count":1},{"key":"GA","doc_count":1},{"key":"SC","doc_count":1}]}},"company_public_response":{"doc_count":7,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":5}]}},"tags":{"doc_count":7,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}