{"took":134,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2580189","_score":21.541977,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hope this will get the attention that is need because of the abuse The department is Equifax The office of Consumer Affairs. I Will provided the name of the people this complain get to do an investigation This list of issues with Equifax The Office Of Consumer Affairs that unfortunate has make my life a living I feel XXXX if the can get away with what they are doing then we really have a bigger problem. My hope is for this complain will find his way to the authorities who can only address the problem until I will not stop until this get accomplish. Some how my file lander on their hands by system mix file or manually my file was change with incorrect information I was told that my credit report with Equifax was not a right but a privilege and that privilege have been taken away for to use. As such they block my report or reporting credit scores. Because of someone without proper juristic ion feels that they say is what is going to be something is right 1. Incorrect information on my report ( wrong address, fraud, incorrectly My identity was compromise fraudulent account place on my file permanently creating new issues base on the fact that they did follow as appropriate to prevent what follow 2 It has been 3 months now and nothing have been done i did as much as I could begging then to do something and no one cares Problem with a credit reporting company 's investigation without they having any idea why they made an error they mix my file know what is that are doing what is doing more problem to existing problem which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes trouble placing or extending with a without allow me to have my telephone so that creditor will call me to confirm if I was the one opening an account They denied for me to put a freeze, what they did denied access completely They place wrong address, fraud, incorrectly shows accounts were open fraudulent Problem with a credit reporting company 's investigation into an existing problem All account activities on file is gone What? how? Information belongs to someone else ( identity theft, fraud, error ) Information is missing that should be on the report My employment history was remove gone Account information incorrect ( loan balance, payment amount ) Account status incorrect ( showing open account as closed, showing delinquent account when it 's not ) Personal information incorrect ( they have added new names no mine but they think is mine How? no prove but they reporting it regardless Public record information inaccurate ( bankruptcy, judgment, liens, criminal record )","date_sent_to_company":"2017-07-20T14:42:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"2580189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-20T13:42:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["is that are doing what is doing more problem to existing problem which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with"]},"sort":[21.541977,"2580189"]},{"_index":"complaint-public-v1","_id":"2802696","_score":11.972954,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had an ongoing problem and now will resort to a lawsuit against them for the nightmare I have had with them and the charges of legal representation which contacted them on my behalf about a year ago and showed them what proof I have as it was fraud and I had a journal of payments with showing there had never been a charge off to be made in my name. Upon first contacting them I was ignorant of the power and abuse and the total and complete inaccurate this powerful organization holds on millions. Due to my financial resources I have never had to worry about a credit score or anything as I pay cash for the 28 homes I have owned in 30 years and I don't know how many vehicles. I am fortunate to be a former successful business owner who sold my business for XXXX XXXX 15 years ago. So as you can see I had little need on ever borrowing any money as I have plenty of money even after dispersing out the XXXX XXXX to my XXXX brothers also in the business. It was by sheer accident that my insurance agent told me that I had two negative things on my credit check and two charge offs. I said what is a charge off. We both laughed because it was ludicrous that I had never paid a bill or would have not have. After much investigations we find the two negative were medical charges that so bogus as absurd. The medical clinic was in another state and the name was not mine and I had never even been in this state. Yet it was for two medical treatments or something. They had nothing and had no choice to drop it. They sent copy of letter where they said it was fraud. I saw the letter. Obviously the Big 3 did nothing. The charge offs were more complicated but my attorneys handled them and they showed they were removed. I have copies from all three agencies that they were removed. Now I do a check 8 or so months later and find this junk on my credit and I am furious. I have complained to the government for what it is worth but initially the credit bureaus had my name 11 ways, 6 of them were totally bogus. On my birthdate I had 4 dates for my birthdate. None were correct. Even worse was I had three social security numbers and guess what none of them were mine. While pulling up this report there still was an incorrect social security number. Now this Big 3 is literally the King of all transactions. They have never kept me from buying a car or home but I bet they have millions. Then my attorney told me I needed to take out more credit cards since I never had any loans of any kind. Look at my report You will not see but one that is for my son with XXXX 10 or more years ago. I pay cash for everything and my attorneys said I should start using charge card mores. I would receive notices from the Big 3 and tell me how good my credit was and tell me to apply to for this card. XXXX XXXX and two others. All three denied me credit. That is with giving them the annual income of XXXX per year plus all the cash I want or need. This is beyond belief. The thing with XXXX XXXX has said it was because I closed the account. Which I did at the time of my divorce 7 years ago and it is an action most divorced people do. The report was so wrong it made me so mad. It said they closed account and then the joke of having a XXXX credit limit. I didn't even have a credit limit with them but the account showed past payments of 50 plus thousand a month. It showed no late payments. But a history of these kind of payments for 15 years and then outright lies. I have complained and complained to get these charge offs off my account and the two XXXX medical charges that are about less than 50.00 for both in other names and state I have never even been too. I have taken all the procedures to handle this correctly and tried not to get furious at having all these social security numbers and incorrect information. I have worked patiently to give them all the correct information. Also they say on all this free annual score yet I had to pay a monitoring service once again for I dont know how much which I dont want. This is a rip off. It is illegal to advertise free and then to charger. They are holding consumers hostages to their lies and the fact that they are too lazy and inept to change the information when they have had it proved to them it is XXXX wrong. When my attorney told me tonight after I found out they had not been removed from my credit report in this case but had been removed on the one that is shown to me they said a large monetary amount that can be donated to charity must be filed against these three corrupt organizations. I was shown how much money they made off consumers. It is beyond anything I could imagine by selling info to card companies. They are suppose to be a clearing house and most important the keeper of accurate records. I could understand mistakes and such but for 40 years to not have my social security correct nor my name and birthdate. I went on line to find out other people have had worse nightmares than I have. You see I am very wealthy and there is never a need for them in my life thank goodness. Except when my insurances was calculated and my agent said how could she not have perfect credit. She has two assistants who have worked with me for 17 years who document in journals my checks written or drafts. That was how I was able to prove I had never had a charge off. I have issued a complaint to you before. You determined fraud though it happened ten years ago and put a fraud alert on my cards. That was a joke over an issue that long ago. I have fooled with these contact us and sipute this for so long and nothing has been done. Well when the big three are charged with corruption and incorrect info in every aspect of a person life and they are sued for a nice settlement that will benefit charity I would hope that they take care of this in the next seven days. As I said they removed the info less than a year ago and how it appeared again is unknown to me. But I am so mad that I am going to let my legal team go after them and bring in the over 15,000 other people who have been cheated by them. I was very nice and hoped my problems would be taken care of since I had total proof and a team of attorneys. To know it is back is insane. I don't have any idea what organization you are or what power you hold. Tonight I called both my senators to let them know I would need them to present this to Congress. I want my record clean and perfect. If the Big 3 wont to play games I will allow my attorneys to keep them tied up for years and Congress investigate all the errors of just my account and how an organization that has to be meticulous with info could have 4 social security numbers and all the wrong birthdates and all the 6 wrong names. You have 7 days to clear this up and get this off my account or your name will also be included in the suit against the protection of american consumers and the fact that you are all paid very well to protect consumers and it is your job and yet instead you are criminally neglected them. I will never have a company tell me I can not have a credit card because of their bogus lies they acknowledged and cleared. For a woman to have assets that are huge and my debt ratio I check on the site was less than 1 % as I owe no house loans or mortgages or car or loans or anythings, just these credit cards they advised me to start using. I hope you will work to take care of this and it will not become a big public scandal at the ineffectiveness and especially the huge amount of money the Big 3 make of consumers. My Senators will clean house with top attorneys to advise and the media will be brought in to this whole section or group that has so many disgruntled people who hate credit bureaus and I don't blame them and the public will hear about the travesty that is going on. For your organization hope I would do all I could to make this problem fixed as it was less than a year ago to only turn back up. I am sending no dates, papers or any information. I have already done all that with your organization previously and will frankly not take up my time to do one more thing about it except to give my attorneys and my senators the go ahead to make statements to the media to let them know every right we have as an American has been ground in the dirt. And all of you who collect a salary for protecting us the consumers can justify it to congress. I expect communication within 7 days. XXXX XXXX XXXX XXXX or XXXX XXXX","date_sent_to_company":"2018-02-03T06:20:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39402","tags":null,"has_narrative":true,"complaint_id":"2802696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-02-03T06:20:43.000Z","state":"MS","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":["They are holding consumers hostages to their lies and the fact that they are too lazy and inept to change the information when they have had it proved to them it is XXXX wrong. When my attorney told me tonight after I found out they had not been removed from my credit report in this case but had been removed on the one that is shown to me they said a large monetary amount that can be donated to charity must be filed against these three corrupt organizations."]},"sort":[11.972954,"2802696"]},{"_index":"complaint-public-v1","_id":"2802693","_score":11.970929,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had an ongoing problem and now will resort to a lawsuit against them for the nightmare I have had with them and the charges of legal representation which contacted them on my behalf about a year ago and showed them what proof I have as it was fraud and I had a journal of payments with showing there had never been a charge off to be made in my name. Upon first contacting them I was ignorant of the power and abuse and the total and complete inaccurate this powerful organization holds on millions. Due to my financial resources I have never had to worry about a credit score or anything as I pay cash for the 28 homes I have owned in 30 years and I don't know how many vehicles. I am fortunate to be a former successful XXXX XXXX who sold my business for XXXX XXXX 15 years ago. So as you can see I had little need on ever borrowing any money as I have plenty of money even after dispersing out the XXXX XXXX to my XXXX brothers also in the business. It was by sheer accident that my insurance agent told me that I had two negative things on my credit check and two charge offs. I said what is a charge off. We both laughed because it was ludicrous that I had never paid a bill or would have not have. After much investigations we find the two negative were medical charges that so bogus as absurd. The medical clinic was in another state and the name was not mine and I had never even been in this state. Yet it was for two medical treatments or something. They had nothing and had no choice to drop it. They sent copy of letter where they said it was fraud. I saw the letter. Obviously the Big 3 did nothing. The charge offs were more complicated but my attorneys handled them and they showed they were removed. I have copies from all three agencies that they were removed. Now I do a check 8 or so months later and find this junk on my credit and I am furious. I have complained to the government for what it is worth but initially the credit bureaus had my name 11 ways, 6 of them were totally bogus. On my birthdate I had 4 dates for my birthdate. None were correct. Even worse was I had three social security numbers and guess what none of them were mine. While pulling up this report there still was an incorrect social security number. Now this Big 3 is literally the King of all transactions. They have never kept me from buying a car or home but I bet they have millions. Then my attorney told me I needed to take out more credit cards since I never had any loans of any kind. Look at my report You will not see but one that is for my son with XXXX 10 or more years ago. I pay cash for everything and my attorneys said I should start using charge card mores. I would receive notices from the Big 3 and tell me how good my credit was and tell me to apply to for this card. XXXX XXXX and two others. All three denied me credit. That is with giving them the annual income of XXXX per year plus all the cash I want or need. This is beyond belief. The thing with XXXX XXXX has said it was because I closed the account. Which I did at the time of my divorce 7 years ago and it is an action most divorced people do. The report was so wrong it made me so mad. It said they closed account and then the joke of having a XXXX credit limit. I didn't even have a credit limit with them but the account showed past payments of 50 plus thousand a month. It showed no late payments. But a history of these kind of payments for 15 years and then outright lies. I have complained and complained to get these charge offs off my account and the two stupid medical charges that are about less than XXXX for both in other names and state I have never even been too. I have taken all the procedures to handle this correctly and tried not to get furious at having all these social security numbers and incorrect information. I have worked patiently to give them all the correct information. Also they say on all this free annual score yet I had to pay a monitoring service once again for I dont know how much which I dont want. This is a rip off. It is illegal to advertise free and then to charger. They are holding consumers hostages to their lies and the fact that they are too lazy and inept to change the information when they have had it proved to them it is dead wrong. When my attorney told me tonight after I found out they had not been removed from my credit report in this case but had been removed on the one that is shown to me they said a large monetary amount that can be donated to charity must be filed against these three corrupt organizations. I was shown how much money they made off consumers. It is beyond anything I could imagine by selling info to card companies. They are suppose to be a clearing house and most important the keeper of accurate records. I could understand mistakes and such but for 40 years to not have my social security correct nor my name and birthdate. I went on line to find out other people have had worse nightmares than I have. You see I am very wealthy and there is never a need for them in my life thank goodness. Except when my insurances was calculated and my agent said how could she not have perfect credit. She has two assistants who have worked with me for 17 years who document in journals my checks written or drafts. That was how I was able to prove I had never had a charge off. I have issued a complaint to you before. You determined fraud though it happened ten years ago and put a fraud alert on my cards. That was a joke over an issue that long ago. I have fooled with these contact us and sipute this for so long and nothing has been done. Well when the big three are charged with corruption and incorrect info in every aspect of a person life and they are sued for a nice settlement that will benefit charity I would hope that they take care of this in the next seven days. As I said they removed the info less than a year ago and how it appeared again is unknown to me. But I am so mad that I am going to let my legal team go after them and bring in the over 15,000 other people who have been cheated by them. I was very nice and hoped my problems would be taken care of since I had total proof and a team of attorneys. To know it is back is insane. I don't have any idea what organization you are or what power you hold. Tonight I called both my senators to let them know I would need them to present this to Congress. I want my record clean and perfect. If the Big 3 wont to play games I will allow my attorneys to keep them tied up for years and Congress investigate all the errors of just my account and how an organization that has to be meticulous with info could have 4 social security numbers and all the wrong birthdates and all the 6 wrong names. You have 7 days to clear this up and get this off my account or your name will also be included in the suit against the protection of american consumers and the fact that you are all paid very well to protect consumers and it is your job and yet instead you are criminally neglected them. I will never have a company tell me I can not have a credit card because of their bogus lies they acknowledged and cleared. For a woman to have assets that are huge and my debt ratio I check on the site was less than 1 % as I owe no house loans or mortgages or car or loans or anythings, just these credit cards they advised me to start using. I hope you will work to take care of this and it will not become a big public scandal at the ineffectiveness and especially the huge amount of money the Big 3 make of consumers. My Senators will clean house with top attorneys to advise and the media will be brought in to this whole section or group that has so many disgruntled people who hate credit bureaus and I don't blame them and the public will hear about the travesty that is going on. For your organization hope I would do all I could to make this problem fixed as it was less than a year ago to only turn back up. I am sending no dates, papers or any information. I have already done all that with your organization previously and will frankly not take up my time to do one more thing about it except to give my attorneys and my senators the go ahead to make statements to the media to let them know every right we have as an American has been ground in the dirt. And all of you who collect a salary for protecting us the consumers can justify it to congress. I expect communication within 7 days. XXXX XXXX XXXX XXXX or XXXX XXXX","date_sent_to_company":"2018-02-03T06:20:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39402","tags":null,"has_narrative":true,"complaint_id":"2802693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-03T06:20:43.000Z","state":"MS","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They are holding consumers hostages to their lies and the fact that they are too lazy and inept to change the information when they have had it proved to them it is dead wrong. When my attorney told me tonight after I found out they had not been removed from my credit report in this case but had been removed on the one that is shown to me they said a large monetary amount that can be donated to charity must be filed against these three corrupt organizations."]},"sort":[11.970929,"2802693"]},{"_index":"complaint-public-v1","_id":"2802688","_score":11.970929,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have had an ongoing problem and now will resort to a lawsuit against them for the nightmare I have had with them and the charges of legal representation which contacted them on my behalf about a year ago and showed them what proof I have as it was fraud and I had a journal of payments with showing there had never been a charge off to be made in my name. Upon first contacting them I was ignorant of the power and abuse and the total and complete inaccurate this powerful organization holds on millions. Due to my financial resources I have never had to worry about a credit score or anything as I pay cash for the 28 homes I have owned in 30 years and I don't know how many vehicles. I am fortunate to be a former successful business owner who sold my business for XXXX XXXX 15 years ago. So as you can see I had little need on ever borrowing any money as I have plenty of money even after dispersing out the XXXX XXXX to my XXXX brothers also in the business. It was by sheer accident that my insurance agent told me that I had two negative things on my credit check and two charge offs. I said what is a charge off. We both laughed because it was ludicrous that I had never paid a bill or would have not have. After much investigations we find the two negative were medical charges that so bogus as absurd. The medical clinic was in another state and the name was not mine and I had never even been in this state. Yet it was for two medical treatments or something. They had nothing and had no choice to drop it. They sent copy of letter where they said it was fraud. I saw the letter. Obviously the XXXX XXXX did nothing. The charge offs were more complicated but my attorneys handled them and they showed they were removed. I have copies from all three agencies that they were removed. Now I do a check 8 or so months later and find this junk on my credit and I am furious. I have complained to the government for what it is worth but initially the credit bureaus had my name 11 ways, 6 of them were totally bogus. On my birthdate I had 4 dates for my birthdate. None were correct. Even worse was I had three social security numbers and guess what none of them were mine. While pulling up this report there still was an incorrect social security number. Now this XXXX XXXX is literally the King of all transactions. They have never kept me from buying a car or home but I bet they have millions. Then my attorney told me I needed to take out more credit cards since I never had any loans of any kind. Look at my report You will not see but one that is for my son with XXXX 10 or more years ago. I pay cash for everything and my attorneys said I should start using charge card mores. I would receive notices from the XXXX XXXX and tell me how good my credit was and tell me to apply to for this card. XXXX XXXX and two others. All three denied me credit. That is with giving them the annual income of XXXX per year plus all the cash I want or need. This is beyond belief. The thing with XXXX XXXX has said it was because I closed the account. Which I did at the time of my divorce 7 years ago and it is an action most divorced people do. The report was so wrong it made me so mad. It said they closed account and then the joke of having a XXXX credit limit. I didn't even have a credit limit with them but the account showed past payments of 50 plus thousand a month. It showed no late payments. But a history of these kind of payments for 15 years and then outright lies. I have complained and complained to get these charge offs off my account and the two stupid medical charges that are about less than 50.00 for both in other names and state I have never even been too. I have taken all the procedures to handle this correctly and tried not to get furious at having all these social security numbers and incorrect information. I have worked patiently to give them all the correct information. Also they say on all this free annual score yet I had to pay a monitoring service once again for I dont know how much which I dont want. This is a rip off. It is illegal to advertise free and then to charger. They are holding consumers hostages to their lies and the fact that they are too lazy and inept to change the information when they have had it proved to them it is dead wrong. When my attorney told me tonight after I found out they had not been removed from my credit report in this case but had been removed on the one that is shown to me they said a large monetary amount that can be donated to charity must be filed against these three corrupt organizations. I was shown how much money they made off consumers. It is beyond anything I could imagine by selling info to card companies. They are suppose to be a clearing house and most important the keeper of accurate records. I could understand mistakes and such but for 40 years to not have my social security correct nor my name and birthdate. I went on line to find out other people have had worse nightmares than I have. You see I am very wealthy and there is never a need for them in my life thank goodness. Except when my insurances was calculated and my agent said how could she not have perfect credit. She has two assistants who have worked with me for 17 years who document in journals my checks written or drafts. That was how I was able to prove I had never had a charge off. I have issued a complaint to you before. You determined fraud though it happened ten years ago and put a fraud alert on my cards. That was a joke over an issue that long ago. I have fooled with these contact us and sipute this for so long and nothing has been done. Well when the big three are charged with corruption and incorrect info in every aspect of a person life and they are sued for a nice settlement that will benefit charity I would hope that they take care of this in the next seven days. As I said they removed the info less than a year ago and how it appeared again is unknown to me. But I am so mad that I am going to let my legal team go after them and bring in the over 15,000 other people who have been cheated by them. I was very nice and hoped my problems would be taken care of since I had total proof and a team of attorneys. To know it is back is insane. I don't have any idea what organization you are or what power you hold. Tonight I called both my senators to let them know I would need them to present this to Congress. I want my record clean and perfect. If the XXXX XXXX wont to play games I will allow my attorneys to keep them tied up for years and Congress investigate all the errors of just my account and how an organization that has to be meticulous with info could have 4 social security numbers and all the wrong birthdates and all the 6 wrong names. You have 7 days to clear this up and get this off my account or your name will also be included in the suit against the protection of american consumers and the fact that you are all paid very well to protect consumers and it is your job and yet instead you are criminally neglected them. I will never have a company tell me I can not have a credit card because of their bogus lies they acknowledged and cleared. For a woman to have assets that are huge and my debt ratio I check on the site was less than 1 % as I owe no house loans or mortgages or car or loans or anythings, just these credit cards they advised me to start using. I hope you will work to take care of this and it will not become a big public scandal at the ineffectiveness and especially the huge amount of money the XXXX XXXX make of consumers. My Senators will clean house with top attorneys to advise and the media will be brought in to this whole section or group that has so many disgruntled people who hate credit bureaus and I don't blame them and the public will hear about the travesty that is going on. For your organization hope I would do all I could to make this problem fixed as it was less than a year ago to only turn back up. I am sending no dates, papers or any information. I have already done all that with your organization previously and will frankly not take up my time to do one more thing about it except to give my attorneys and my senators the go ahead to make statements to the media to let them know every right we have as an American has been ground in the dirt. And all of you who collect a salary for protecting us the consumers can justify it to congress. I expect communication within 7 days. XXXX XXXX XXXX XXXX or XXXX XXXX","date_sent_to_company":"2018-02-03T06:20:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39402","tags":null,"has_narrative":true,"complaint_id":"2802688","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-02-03T05:12:54.000Z","state":"MS","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":["They are holding consumers hostages to their lies and the fact that they are too lazy and inept to change the information when they have had it proved to them it is dead wrong. When my attorney told me tonight after I found out they had not been removed from my credit report in this case but had been removed on the one that is shown to me they said a large monetary amount that can be donated to charity must be filed against these three corrupt organizations."]},"sort":[11.970929,"2802688"]},{"_index":"complaint-public-v1","_id":"7392216","_score":9.852231,"_source":{"product":"Debt collection","complaint_what_happened":"Greetings, This is a complaint against the American Express fraud department. Ive been trying to assist the fraud department in resolving a theft against American Express that I happen to be entangled in simply because the thief in question fraudulently used my identity to open an American Express account. It is through the negligent business practices of American Express that this theft happened - not mine.\n\nI have never had an American Express account never have and never will! Despite that, your fraud department has threatened me with a letter stating that I am liable for the theft of $ XXXX dollars from your company. A theft that was committed by another person. That is ludicrous! \n\nAmerican Express has this situation so twisted. I did not steal from you! Someone else did! Simply because someone fraudulently used my identity to commit theft does not make me liable! I am sick and tired of your company threatening me and harassing me! \n\nThis complaint is rather long but please read it because I do not know how to get your company to stop threatening and harassing me, potentially destroying/disrupting my credit, and potentially damaging my work clearance. \n\nMy name is XXXX and I recently discovered that I was the victim of Identity Theft. I found out that I was a victim of Identity Theft on XXXX XX/XX/XXXX. It was on this day that I was at my bank ( XXX - Ive banked there for 30+ years ) discussing our ( My wife and I ) application for a construction home loan with our banks loan officer, XXXX XXXX. During our discussion, XXXX XXXX asked me about an American Express Account that was on my credit report which was indicating overdue by 90 days with an $ XXXX outstanding balance. I told XXXX XXXX that I did not have an American Express Account. He printed off the American Express portion of the credit report and gave it to me. After we finished our discussion, I went out to my car and contacted American Express that same day XXXX XX/XX/XXXX and made the fraud report ( I want to mention that the account number that was on the credit report differed from what your company had on file ). It was at this time, I The Real XXXX, gave your company my address and phone number. Unfortunately for me the victim, I also think it was at this time that your expert fraud investigators decided that they were just going to stick it to me, even though they had plenty of avenues ( with a little bit of work ) they could have used to identify the person that had stolen from your company and fraudulently used my identity. \n\nIn subsequent conversations with your company about this matter, I learned from your representatives that there were two ( 2 ) fraudulent on-line attempts ( one that was successful ) to open an American Express Account in my name. One was in XX/XX/XXXX and the other in XX/XX/XXXX. This information coincides with the information contained in my credit report. I was advised by American Express that one of those on-line attempts was denied/closed because they were unable to reach the person when they attempted to contact them back. In my opinion, these back-to-back on-line attempts to open accounts using my name and social security number should have been a huge red flag for fraud. I also learned from your representatives that the person that opened this account in my name supplied your company with an address and phone number - both of which are not mine and have never been an address or phone number associated with me. During the time I was attempting to resolve this matter with American Express on my own, I became overwhelmed and decided to join an Identity Restoration Service ( Identity Force ) to assist me in this matter.\n\nOn advice from Identity Force, I filed a police report about the matter, I completed an FTC report online, I completed an affidavit with Identity Force outlining the circumstance of the Identity Theft. I made copies of my drivers license, passport, and our current rental agreement ( which indicated where I was living at the time this credit card account was open ). I then supplied all the above information to American Express. Confident this matter would be resolved, I finally felt like I could enjoy life again as this situation has been very unnerving and stressful for me.\n\nUnfortunately, again, for me the victim, I received a letter from your expert fraud department, dated XXXX XX/XX/XXXX, saying that they were not accepting my claim since I made payment arrangements, and for that reason, I accepted liability for this account ( Dispute Reference Number : XXXX which, by the way, none of your customer service representatives was ever able to use to reference my case ). Upon receiving this letter, I contacted American Express and was advised by your representatives that yes indeed, that was the position of your companys so-called fraud department and that the account would soon be placed in collections. I asked your representative if I could have any documents that authorized the opening of this account and any documents that said I agreed to make payments. Your representative said that she could send me the documents but that she needed to verify my address. When I gave her The Real XXXXs address your representative stated that since that was not the address on file for the account, she could not give those documents to me. Your company representative did advise me that arranged payments were being made, or had been made, from an account with XXXX Bank XXXX XXXX ( phone number XXXX ) and perhaps I should contact them. I honestly felt that I was being \" punked ''. I felt that to correct this crime against me the victim that I was going to have to do a XXXX XXXX and track down XXXX XXXX myself like in the movie Identity Theft. By the way, I contacted the above-named bank. There is no account with that bank in my name or my social security number. So more than likely the thief that stole from your company used their own account because the last time I checked to open a bank account a person is required to supply a picture ID. Feel free to pass that information on to your expert fraud team. Or better yet, do not open a credit card account without first requiring applicants to come to an office and produce a picture ID. This practice would surely, at least, slow down identity theft and keep people from stealing from you. \n\nBut I get it Identity Theft is so rampant now that your company must be cautious in accepting my words and documents. If only American Express had been so cautious when you first opened this fraudulent on-line account - I could be enjoying life instead of trying to straighten this mess out and your company wouldnt be trying to steal money from me, in the way of collections attempts, to recoup your negligent losses. \n\nSo now I am at an impasse I am begging your company asking you not to re-victimize me. Have your expert fraud department do just a little bit of work. \n\nI will be XXXX XXXX XXXX in XXXX. I am a XXXX XXXX XXXX XXXX XXXX Ive been banking at the same bank for XXXX years. Ive worked all my life. I have never been late paying a bill. Even though Ive sent your company plenty of documents that should prove I did not do this, I am willing to send you anything you need just tell me what you need to clear this matter up. I will give you a copy of my credit report, which will show that Ive paid off a house, have made on-time payments to all my creditors. Currently, my wife and I only have one credit card and it has no balance on it. I am retired from the military collecting retired pay and have a fulltime job. My wife works full-time as well. Our XXXX child is grown, is a fireman, and we have XXXX grandchildren. Why in the world would I open a credit card and make no payments on it. Please tell me what documentation I need to provide your company. Better yet, since I do not live to far from XXXX Florida, I am willing to make an appointment and come in person to XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( An American Express Location ). I will bring any documentation your company requests to prove I, The Real X did not open this account. That way your company does not have to attempt to steal from me in the way of starting collections and your expert fraud team can actually conduct a real investigation and you can go after the person who committed theft from your company. \n\nI get that someone stole my identity, and I am damaged by them and right now I do not know who they are. But I do know the company American Express, and I think I can demonstrate that I have been damaged by your company too. I think your company demonstrated gross negligence in allowing this account to be open to begin with given the fact that two attempts to open an account in my name were made so close together and your company chose not to open one of them because they were unable to verify its validity. I think I will also be able to claim punitive damages in the way of pain and suffering. Ive been under extreme stress because of your company. Even after I reached out to your company and provided documentation which clearly showed I was the victim of Identity Theft, your company chose to send me a letter that stated I was liable for the monies that was stolen from your company by another person and had XXXX of your representatives act as your strong man and advise me that you were in the process of starting collections from me a crime victim. I am under stress because of your company and now I am under fear from your company. Even after all the attempts I made with your company to clear this matter up, your company is openly telling me they are now going to start to attempt to steal from The Real XXXX - Victim in the form of collection attempts. That is threatening to me and makes no logical sense. Therefore, I have no idea what your company might attempt to do next against me and it scares me. If your company does start the collection process against me, I think I can easily demonstrate harassment. Lastly, my job requires a background clearance and if your expert fraud team only shuffled papers in their attempt to identify the real criminal that committed theft against your company and in the process my clearance is disrupted in any manner, after all of my attempts to clear this matter up, you can rest assured I will demonstrate damages on that matter as well. \n\nAwaiting you reply Sincerely, XXXX","date_sent_to_company":"2023-08-12T18:01:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"316XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7392216","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-08-12T16:39:53.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I was advised by American Express that one of those on-line attempts was denied/closed because they were unable to reach the person when they attempted to contact them back. In my opinion, these back-to-back on-line attempts to open accounts using my name and social security number should have been a huge red flag for fraud."]},"sort":[9.852231,"7392216"]},{"_index":"complaint-public-v1","_id":"5668744","_score":5.445429,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I opened an account with TD XXXX Card Services via XXXX XXXX on XX/XX/XXXX to finance a phone. I never received any information on this account. I still have no documentation or the physical card, despite telling multiple customer service representatives this. I moved at the end of XXXX, but I also had mail forwarding and the mail notification system on, so even if it was sent late, it wasnt sent. On XX/XX/XXXX, I got a notification that my credit had a late payment reported. I went and looked because that was very strange, as I am pretty neurotic about paying bills. I saw it belonged to TD XXXX Card Services. I called the customer service line, as I had no way to access the account to pay - I didnt even have the account number. ( I still have not received any information, paperwork, or cards for this account, beyond my account number. ) I saw late fees had accumulated as well. I went ahead and updated my address verbally with the customer service agent at this time to make sure I got all future correspondence. The representative asked if I would like to make a payment, I let her know I would make a payment when I got paid on XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$230.00} toward the XXXX statement. On XX/XX/XXXX, I had {$980.00} in my account, which is more than enough to cover the payment. I also never got a notification to my phone from my bank that it was declined, which I receive with every declined purchase. When I looked into the declined charges with my bank, they had no record of the declined payment. I was never notified of this, and I was charged a returned check fee, despite it being a direct pull, not a check. At the end of XXXX, I noticed the declined payment. I thought it was weird for the reasons previously mentioned, but it wasnt worth the hassle, so I waited until I got paid, as XXXX was tighter financially, so I could pay it in full again. On XX/XX/XXXX, I paid {$280.00}. On XX/XX/XXXX, I had {$870.00} in my bank. I went to pay my monthly payment in XXXX, and I saw it had also been declined, according to the invoice provided by TD XXXX Card XXXX, and all of these had been reported to my credit agency. Unfortunately, I never was contacted again. The TD XXXX Card Services phone system that customers can make payments through still says it went through. I contacted TD XXXX Card Services on XX/XX/XXXX to discuss this, as it was weird that it had happened twice. Finally, on XX/XX/XXXX, a man by the name of XXXX XXXX of XXXX, Florida, who called from XXXX and claimed to be a representative of TD XXXX Card Services. I was very sick that week, so I returned his call on XX/XX/XXXX. During our call, XXXX said he had mailed me a letter since he hadnt heard back - had I seen it? I said I hadnt yet received it. Looking back at my invoice, it is my old address that is on all my invoices, including after speaking to XXXX XXXX and giving my current address. I let XXXX XXXX know my address had been previously updated when I spoke to the last customer service representative, and he said it didnt matter because I had enrolled in virtual billing by the time I spoke with him. However, this still meant that if invoices were sent, they were sent to the wrong address. I let XXXX XXXX know that I work some nights and work a lot, so I hadnt yet been able to call him back until then. To my recollection, he did not notify me that the recording regarding the debt was being recorded, nor that it was an attempt to collect debt. XXXX XXXX said he looked into my claim that the returned check fees were correct and had concluded that it wasnt an error on TD XXXX Card Services. He wouldnt expand any further or provide documentation. XXXX XXXX said he couldnt help me further. I verified verbally that it wasnt my bank ; he told me that it must be. He said he saw I had been called. I told him I hadnt, but asked for the phone number to verify. XXXX XXXX gave me the phone number and it had been the caller who had been calling me three times a day since XX/XX/XXXX and just stayed silent every time I answered and didnt leave a voicemail. After that phone call, I did more digging and talked to my bank and looked at statements. My bank has no history or documentation of declined payments. The XX/XX/XXXX statement reflects my payment made on XX/XX/XXXX. The XX/XX/XXXX statement was sent to me on XX/XX/XXXX at XXXX PM. There is no mention of the payment bouncing, and the statement 's new balance reflects the payment. This statement is for the billing period of XX/XX/XXXX to XX/XX/XXXX. The next statement, sent to me on XX/XX/XXXX at XXXX pm, shows a returned check fee. I was never notified of this, other than this XX/XX/XXXX statement, which was for the billing period of XX/XX/XXXX to XX/XX/XXXX. At the time of the statement, the payment was already considered late, as the payment was due XX/XX/XXXX. XXXX XXXX claimed that this counted as notification of the bounced payment, despite it being too late to fix anything at that point. I asked him what I could do to dispute further or who I could talk to that was higher than him. XXXX XXXX said I had done all I could and that there was no one higher than him. Despite XXXX XXXX claiming he spoke with my bank, XXXX XXXX, and confirmed the declined transactions, XXXX XXXX has confirmed no one can see declined transactions past 24 days prior. This means XXXX XXXX could not have discussed confirmed the declined transactions with my bank, XXXX XXXX, like he claimed to me and in my file, as it was not possible. To review, my first claim was acknowledged as received and being worked on on XX/XX/XXXX at XXXX XXXX. 24 days prior to this date was XX/XX/XXXX. XXXX XXXX did not contact me until XX/XX/XXXX at XXXX XXXX. So even if XXXX XXXX contacted my bank that day, XX/XX/XXXX, he couldnt have discussed either the bounced amount from XX/XX/XXXX or XX/XX/XXXX. I also confirmed with XXXX XXXX that they keep documentation of contact from credit card companies regarding clients, and they have none from TD Bank, TD XXXX Card Services, or XXXX XXXX himself. XXXX XXXX also verified they would need my permission to discuss my account with any outside party, which includes, but XXXX XXXX to, XXXX XXXX and TD XXXX Card Services. I would like to note that XXXX XXXX verified to me verbally that he did, in fact, discuss this with my bank. This was confirmed to be in my TD XXXX Card Services account by a separate customer service representative. TD XXXX Card Services has also violated the Fair Debt Collection Practices Act by harassing me via phone call. They have called me XXXX times a day almost every day since XX/XX/XXXX from the number XXXX. XXXX XXXX, a TD XXXX Card Services representative, confirmed this was TD XXXX Card Services calling. However, every time I answered, no one would speak, and when I missed the calls, they wouldnt leave a voicemail. I work some night shifts, which I did share with XXXX XXXX, and this has disrupted my sleep. This has also disrupted my work day. As of today, XX/XX/XXXX, I have been called by this number XXXX times since XX/XX/XXXX. The calls started as usually two calls per day, sometimes one, then grew to be consistently three times a day. I have received no voicemails from this number. TD XXXX Card Services has also sent invoices, per them, to the wrong address at least once, as my address was never updated on my invoices. Every invoice to date has the incorrect address on it. I have also made written requests for validation of all these charges, and they are continuing to contact me, while also not providing me with validation other than XXXX XXXX word. XXXX XXXX refused to provide documentation and just kept telling me he looked into it. On XX/XX/XXXX, I gracefully offered arbitration instead of going directly to suing, as I had already consulted with an attorney and they recommended starting with an attempt at arbitration, then pursuing further legal action if it was declined. At this point, I am willing to make a deal, which will be required to be in writing and my legal team will review before I sign it. I will pay what I owe, which is {$740.00}, in full by XX/XX/XXXX. I will also pay an additional {$100.00} out of good faith, for a total of {$840.00}. You will remove the late payments from my credit. I will forfeit ability to open an account with you again. How this will benefit you is I will not post on social media about this period I can sign a NDA if you would like. I also will not pursue legal action. You all will receive the {$740.00} I truly owe and the {$100.00} and will not have to deal with me again, nor will have to deal with a lawsuit ( possible class action ) or the reaction on social media. I will not make any more reports to any agency, including but not limited to the FTC or consumer financial protection bureau. This will benefit me as the false report to my credit will go away, I will not have to take the time off from work to pursue legal action, including but not limited to your clerical errors or violations of the Fair Debt Collection Practices Act, and the harassment will stop. However, my attempts at arbitration were avoided by TD XXXX Card Services employee, XXXX XXXX, who refused to discuss this with me and chose to call me at a time he knew I would be unavailable on XX/XX/XXXX at XXXX XXXX, then closed the case on XX/XX/XXXX, per the customer service representative I spoke to on XX/XX/XXXX, and wouldnt answer his phone. His voicemail was full as well. He waited eight days prior to closing with only one attempt at connection ( without telling me via voicemail he would do so ), knowing I wasnt available to return his call, as it was explicitly stated that it was not my best mode of communication due to my work hours, but I would call him back. I did see on my statement I could call TD XXXX Card Services to figure out a mutually beneficial agreement because this has been very stressful. XXXX XXXX would not answer his phone and his voicemail is full. I tried calling another representative, XXXX, but it was just a bunch of transferring that led no whe prior to speaking with me on XX/XX/XXXX, even though I notified XXXX XXXX that I would call him back when I could and a better way to contact me was via email due to my work schedule ( emergency medicine ) not permitting me time to do so until today, XX/XX/XXXX. XXXX had called on XX/XX/XXXX. XXXX also was called by another customer service agent I spoke to on XX/XX/XXXX named XXXX, and she was unable to reach him as well. XXXX directed me to the TD XXXX Card Services line and assured me someone there would be able to help me. I was forwarded to another Customer Care Line, where the representative continued to say XXXX looked into it and he couldnt help me further, per my record. He also said that the only way to get late payments off credit reports is to dispute the late payment at each credit bureau, and that TD XXXX Card Services is unable to remove any late payment charges. Not unwilling - unable. This was something that XXXX XXXX had also said during our first conversation. Per the law, this is untrue and was deceptive in nature. This conversation was recorded by TD Bank, as well as myself. Additionally, despite myself telling TD XXXX Card Services that I had spoken to legal aid, they made no attempt to get any information for the legal aid and continued to communicate with me. Until the XX/XX/XXXX statement, my credit limit had been {$2200.00}. In the XX/XX/XXXX statement, it appears TD XXXX Card Services lowered my credit limit to {$620.00}, which is lower than the initial financing amount, even without the incorrect late charges and returned check fees. Unfortunately, it appears I did have the money in my account, and per the XXXX, I see I am not the only one with this issue. Regardless, I did offer arbitration prior to suing and reporting. I thought it was fair for both sides, and saves us both a lot of time and money. However, all attempts to communicate and arbitrate have been avoided by XXXX XXXX, a representative of TD XXXX Card Services. \n-- -- -- Update from XX/XX/XXXX I now have received a letter from XXXX XXXX, a \" Customer Experience Advocate '' who, like XXXX, resides in Florida, via the mail. I have attached it. However, what XXXX did was avoid my phone calls and didn't actually make true attempts to contact me. She also did not address what is in this complaint, and made false statements. I actually returned her call. On XX/XX/XXXX, XXXX called me from a blocked number, so all I saw was \" Private Number ''. I received this phone call at XXXX XXXX that day. I will attach proof of this as well via phone logs and the voicemail recordings. I was never notified that I would be called from a private number and I was also working at that time, and realistically, not many people would answer a call from a private number. I have been very transparent with my work schedule. I returned XXXX 's call at the number she provided ( XXXX ) on XX/XX/XXXX. I called twice, once at XXXX XXXX and again at XXXX pm, as XXXX told me she works Monday through Friday, between XXXX XXXX to XXXX XXXX. I let XXXX know that I was off for the rest of the day, but would be working tomorrow. The voicemail lasted for one minute and detailed my work schedule, including that I work during her working hours, but would try my hardest to return her call as soon as I could. I let her know that I worked the next day, but would try to return a call that day if she called. I noted that if I didn't return her call that day, I would try her again as soon as my work schedule allows, as she is not there on weekends. I let her know she is welcome to email me as well. XXXX called me back on Friday, XX/XX/XXXX at XXXX XXXX. She asked me to call back, acknowledged receipt of my voicemail and therefore all the information about my work schedule, and told me her schedule one again as Monday through Friday, XXXX XXXX to XXXX XXXX. However, the letter I received today, also attached, was marked XX/XX/XXXX. It is suffice to say that no real attempt was made to contact me, as XXXX was fully informed of and acknowledged my schedule and my cooperation. \n\nAdditionally, to continue what XXXX wrote in the letter - which was unhelpful and did not address the majority of what was written above, TD Bank does have documentation of my address change, as I have notified every representative of TD Bank I have spoken to since XX/XX/XXXX ( see screenshot of call log ), which, if TD Bank 's representatives ' claim is true that they were sending out statements to the wrong address. My address changed on XX/XX/XXXX ( see 60 day notice sent to leasing office that is attached ). I started my mail forwarding on XX/XX/XXXX, but continued to check my mailbox ( see document ). I also subscribe to the service USPS provides called XXXX XXXX, where you see all mail they deliver to you. Additionally, per TD Bank 's website, I should have received my card within 7-10 business days, so I should have received the card in XX/XX/XXXX. ( See screenshot of their FAQ, marked with today 's date and time. ) I also reported that I did not receive any documentation or my card to every representative of TD Bank I spoke to. I was never sent any documentation or a new card, despite TD Bank 's own FAQ saying my card should have been canceled and I should have been sent another card. \n\nXXXX also said many times how they couldn't find any documentation that I didn't receive information, my card and documents regarding the card, statements, etc. However, they have not provided any documentation that I did receive them. There are plenty of measures to document this, such as certified mail or read receipts. Who knows if they sent it, or if they did, who has all my account information. \n\nXXXX also claims that I didn't provide my full account history, my name, or account number in the screenshots I sent showing I had money in my account. Seeing as my full account history isn't relevant to those two months and an invasion of privacy by a company that has shown repeated incidences of why they can't be trusted, I will not be providing that. I will, however, provide the month 's history up until a few days after the payment was made, as it will show that had you put a hold on the funds or processed them, you would have received the money. I have also attached TD Bank 's own terms and conditions, which states how long a payment should really take. Each statement I have attached shows an additional two business days, my account information, my address, and my starting and ending balances for the month, as requested. I guess XXXX doesn't realize that I am not required to hand over personal information here - she is supposed to request the CFPB to retrieve it. Per the form I filled out for this, \" If you don't want the company ( s ) to see any personal information on an attachment, please remove or hide it before uploading. '' and \" Describe what happened, and well send your comments to the companies involved. \nInclude dates, amounts, and actions that were taken by you or the company. \nDo not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. '' I have asked for proof, yet you all have neglected to provide that. When addressed with XXXX, XXXX lied and said he had spoken personally to my bank. Evidence of this not happening is in the screenshot of the discussion with XXXX XXXX, unless XXXX is admitting he and an XXXX XXXX employee broke privacy law and they disclosed information to each other. This and XXXX 's other forms of dishonest practice were not addressed by XXXX in her letter. \n\nXXXX also has neglected to address the fact that TD Bank violated the Fair Debt Collection Practices Act, other than saying she updated my account to a \" cease and desist '', which doesn't address prior violations. \n\nAdditionally, I had spoken to a representative of TD Bank on XX/XX/XXXX and said I needed an extension to pay the exorbitant payment due XX/XX/XXXX, which had increased in size from TD Bank 's dishonest practices. I explained I get paid on XX/XX/XXXX and had been picking up more shifts, but I had had two surgeries in the past month ( XX/XX/XXXX, and was out of work for two weeks and XX/XX/XXXX ) and was having a hard time coming up with the full amount. I asked the representative ( and this has been documented as well ) if I what I could that day and paid the rest on XX/XX/XXXX when I got paid, would I be able to get an extension on my due date. The representative said he had a better plan for me - He would do the extension to XX/XX/XXXX, if I put my debit card on file and agreed to the full amount being auto drafted on that date. I agreed and put my card on file. On XX/XX/XXXX, my card had not been drafted. I did, however, have a late charge and a note that my account had been charged off on the XX/XX/XXXX. When I called TD Bank to discuss this on XX/XX/XXXX, when I noticed the payment hadn't drafted, I was bounced around from representative to representative, and was also told the payment was still pending. I was then given a number that I was told was a TD Bank division that would help me solve this, and that they would be open the next day at XXXX XXXX. The number was XXXX, which belongs to a collection agency called XXXX XXXX. I called the next day and they were not, in fact, open the next day, and that it was a collection agency that TD Bank sells their charge offs to. I spoke with a representative on XX/XX/XXXX and they confirmed they are a separate company from TD Bank. TD Bank, despite charging off my account on XX/XX/XXXX, still took my payment from my account on XX/XX/XXXX. I have provided proof of all these with supporting documents attached. Despite it clearly being pulled from my account on XX/XX/XXXX, TD Bank also has it documented as done on XX/XX/XXXX, which is falsifying documents. XXXX also falsified information in an official complaint when he said he said he spoke with my bank. \n\nFinally, it is clear that XXXX didn't actually read my complaint, as she said \" You would like to pay what you borrowed, \" plus an additional {$100.00} if we remove any negative reporting on your credit '' - which isn't what I said. I was reporting what went on. That offer is gone, and me writing that statement was in quotations, as it was what I initially offered in order to prevent them from dealing with what is proving to be an inevitable lawsuit. \n\nAll this to say TD Bank has not addressed or proven anything in my complaint. They have refused to provide documentation of their claims, and only try to weakly refute mine. They also have violated the Fair Debt Collection Act, as well as refuse to accurately investigate when the issue is brought up.","date_sent_to_company":"2022-06-15T00:13:30.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"30044","tags":null,"has_narrative":true,"complaint_id":"5668744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2022-06-14T22:01:31.000Z","state":"GA","company_public_response":null,"sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["That offer is gone, and me writing that statement was in quotations, as it was what I initially offered in order to prevent them from dealing with what is proving to be an inevitable lawsuit. \n\nAll this to say TD Bank has not addressed or proven anything in my complaint. They have refused to provide documentation of their claims, and only try to weakly refute mine. 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