{"took":159,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":43,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11860984","_score":19.35084,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX CRIMINAL USE OF CAPITAL ONE BANK FOR XXXX XXXX PRECURSOR FINANCIAL XXXX CRIMES VIA CAPITAL ONE BANK VIOLATIONS OF TILA TRANSPARENCY LAWS, CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE (CARD) ACT, FDCP, FCRA,  AND MORE, POSTED AT: \nXXXX XXXX XXXX XXXX XXXX XXXX REGIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRECURSOR CRIMES, VIA REPLICATED FINANCIAL/CREDIT XXXX PROGRAMMING VIA CRIMINAL USE OF BANKS TO VIOLATE THE  XXXX XXXX VICTIMS PROTECTION ACT  22 U.S.C.  7102), SECTION 1:\n(1)ABUSE OR THREATENED ABUSE OF LAW OR LEGAL PROCESS. THE TERM ABUSE OR THREATENED ABUSE OF THE LEGAL PROCESS MEANS THE USE OR THREATENED USE OF A LAW OR LEGAL PROCESS, WHETHER ADMINISTRATIVE, CIVIL, OR CRIMINAL, IN ANY MANNER OR FOR ANY PURPOSE FOR WHICH THE LAW WAS NOT DESIGNED, IN ORDER TO EXERT PRESSURE ON ANOTHER PERSON TO CAUSE THAT PERSON TO TAKE SOME ACTION OR REFRAIN FROM TAKING SOME ACTION.\n\nREGIONAL XXXX XXXX XXXX  REPEATED PROGRAMMED AND PAID FOR USE OF BANKING AND CONSUMER PROTECTION TRANSPARENCY AND VALIDATION LAWS IN A MANNER THE LAW DID NOT INTEND. CAPITAL ONE CREDIT CARD ENDING IN  XXXX, ATTACHED ERRONEOUS CAPITAL ONE CREDIT CARD TRANSACTION RECORD, WITH NO PENDING TRANSACTIONS NOTED, WHILE XXXX IS MISSING FROM THE CREDIT CARD ACCOUNT WITH NOTHING IN WRITING.  THE PHONE AGENTS ALLEGE MONEY HAS BEEN LAWLESSLY TAKEN OUT OF THE BALANCE FOR A PREPAID XXXX XXXX XXXX, AND WAS TAKEN OUT OF THE AVAILABLE CREDIT AS AN ASSUMED  XXXX XXXX XXXXXXXX  SECURITY DEPOSIT WITH NOTHING IN WRITING.  THE XXXX XXXX XXXX $250.00 SECURITY HOLD WAS AND IS  SUPPOSED TO BE IN WRITING AND  WAS SUPPOSED TO BE TAKEN OUT OF THE AVAILABLE CREDIT ONLY, NOT THE BALANCE.  \nTHESE LAWLESS CREDIT CARD ACTS OBSTRUCT CREDIT CARD TRANSPARENCY AND VALIDATION LAWS AND USE BANK LAWS IN A MANNER NOT INTENDED. THE CAPITAL ONE BANKING AGENTS HAVE ADMINISTERED, AN ABUSE OF THE BANKING PROCESS, SPECIFICALLY, THEY HAVE USED BANKING LAWS IN A MANNER NOT INTENDED  AND IN DOING SO HAVE VIOLATED THE TRUTH IN LENDING ACT (TILA), AS IMPLEMENTED BY REGULATION Z, SPECIFICALLY, THE BANKS NOT IN WRITING BUDGET $250.00 SECURITY HOLD, LAWLESS NO PENDING TRANSACTION PUBLISHING, AND DOUBLE DIPPING THEFT OF THE $250.00 OUT OF THE BALANCE, WHILE THE RENTAL WAS PREPAID, IS CRIMINAL AND VIOLATES PROVISIONS THAT REQUIRE TRANSPARENCY IN CREDIT CARD TRANSACTIONS. SPECIFICALLY, SECTION 1026.9(C) OF REGULATION Z.","date_sent_to_company":"2025-01-30T13:25:57.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"11860984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-30T12:51:16.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["THE XXXX XXXX XXXX $250.00 <em>SECURITY</em> <em>HOLD</em> WAS AND IS  <em>SUPPOSED</em> TO BE IN <em>WRITING</em> AND  WAS <em>SUPPOSED</em> TO BE <em>TAKEN</em> OUT OF THE AVAILABLE CREDIT ONLY, NOT THE BALANCE.  \nTHESE LAWLESS CREDIT CARD ACTS OBSTRUCT CREDIT CARD TRANSPARENCY AND VALIDATION LAWS AND USE BANK LAWS IN A MANNER NOT INTENDED."]},"sort":[19.35084,"11860984"]},{"_index":"complaint-public-v1","_id":"13473550","_score":14.358991,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On Saturday XX/XX/XXXX, I attempted to withdraw my Bitcoin ( XXXX ) from mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ; also known under Winklevoss Exchange LLC ). \n\nXXXX  denied my withdrawal request, citing a \" security hold '' was in place. \n\nXXXX  directed me to customer support, where I filed an initial ticket. Over several exchanges, I was asked to provide : 1. A selfie containing a full view of my face, the ID I used to register with XXXX, and a handwritten security code they provided over email in addition to the current date ( the date the selfie was taken ). \n\n2. Documentation that evidenced my source of wealth for my XXXX investments, which I provided in the form of a current paystub ( as directed by XXXX  ). \n\nAfter providing the above, I was questioned further- XXXX informed me that after reviewing my pay slip, \" XXXX  noticed that the volume of your [ my ] activity in your [ my ] XXXX account was much higher than the income received from your [ my ] salary. XXXX XXXX  then asked for further proof to explain the supposed \" difference. '' This is patently false. I explained that my salary for the year provided ( XXXX ) very clearly showed that it was more than sufficient to seed my activity ( my yearly salary is more than XXXX the amount of my cumulative buys in question, made over XXXX ). I then provided my tax return from XXXX as further proof. \n\nAs of this writing, the matter remains unresolved and I'm unable to withdraw my XXXX. I'm requesting help so that I can take my XXXX off of the XXXX XXXXXXXX ASAP.","date_sent_to_company":"2025-05-22T16:25:31.000Z","issue":"Money was not available when promised","sub_product":"Virtual currency","zip_code":"34243","tags":null,"has_narrative":true,"complaint_id":"13473550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Winklevoss Exchange LLC","date_received":"2025-05-12T22:31:37.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX  denied my withdrawal request, citing a \" <em>security</em> <em>hold</em> '' was in place. \n\nXXXX  directed me to customer support, where I filed an initial ticket. Over several exchanges, I was asked to provide : 1. A selfie containing a full view of my face, the ID I used to register with XXXX, and a handwritten <em>security</em> code they provided over email in addition to the current date ( the date the selfie was <em>taken</em> ). \n\n2."]},"sort":[14.358991,"13473550"]},{"_index":"complaint-public-v1","_id":"8428461","_score":13.7164345,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to bring to your attention a concerning issue I have encountered with JP Morgan Chase & Co., a prominent financial institution. My complaint pertains to misleading practices surrounding their credit card locking feature, which has led to unauthorized transactions being processed despite the supposed security measure in place.\n\nAs a responsible consumer, I have taken proactive steps to safeguard my financial accounts by utilizing JP Morgan Chase & Co. 's credit card locking feature through both their mobile application and web browser interface. This feature, as advertised, is purported to prevent any transactions from occurring on the locked credit card, providing peace of mind to customers like myself. \n\nHowever, it has come to my attention that JP Morgan Chase & Co. has been disregarding the lock status set by customers and allowing certain transactions to bypass this security measure under the classification of \" recurring transactions. '' Despite my explicit instructions to lock my credit card, unauthorized charges labeled as recurring have been processed without my consent, leading to unnecessary financial strain and frustration.\n\nThis deceptive practice not only undermines the trust between consumers and financial institutions but also poses a significant risk to the financial well-being of customers. By falsely representing the effectiveness of their credit card locking feature, JP Morgan Chase & Co. is failing to fulfill their obligation to provide reliable and secure banking services to their clients.\n\nFurthermore, this issue extends beyond a mere inconvenience ; it raises serious concerns regarding consumer protection and financial security. Customers should be able to rely on the features and safeguards implemented by their bank to protect against fraudulent activities and unauthorized transactions. The blatant disregard for the lock status set by customers is not only unacceptable but also constitutes a breach of trust.\n\nIn light of these troubling practices, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold JP Morgan Chase & Co. accountable for their misleading practices. Additionally, I request that measures be implemented to ensure that the credit card locking feature functions as advertised, providing customers with the security and peace of mind they deserve. \n\nThank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address this issue and uphold the rights and interests of consumers.","date_sent_to_company":"2024-02-28T05:13:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"39110","tags":null,"has_narrative":true,"complaint_id":"8428461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-28T05:08:12.000Z","state":"MS","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to bring to your attention a concerning issue I have encountered with JP Morgan Chase & Co., a prominent financial institution. My complaint pertains to misleading practices surrounding their credit card locking feature, which has led to unauthorized transactions being processed despite the <em>supposed</em> <em>security</em> measure in place.\n\nAs a responsible consumer, I have <em>taken</em> proactive steps to safeguard my financial accounts by utilizing JP Morgan Chase & Co."]},"sort":[13.7164345,"8428461"]},{"_index":"complaint-public-v1","_id":"19896593","_score":11.395597,"_source":{"product":"Checking or savings account","complaint_what_happened":"Okay so I believe that I talk through it pretty well on the phone this morning but just so we are clear in writing. At around the time of XXXX of last year right around the time of hurricane XXXX and hurricane XXXX, I started noticing charges in my bank account that looks suspicious. I believe that this was originally caused by a security breach or similar online account security breach. \nAs I was diligently stewarding my small tree business through the aftermath and the complexities of conducting business amidst disaster, my business checking account slowly started having the funds siphoned out of it alongside my day-to-day purchases and needs for the business. \nAs I'm sure you can understand a tree guy gets quite busy after two hurricanes, so it took me a little while to make it up to the bank when I did I let them know that the money was being taken out of my account I specifically asked them to put some sort of administrative hold or something on the account while I went through the transcripts and identified the fraud they were unable to do that at that time but did print me out the two years of transcripts that I asked for.\n\nOver the next several months I was able to work my way through those transcripts and I scheduled a meeting at the bank in XXXX after having clear late articulated and requested help and some sort of honorable recourse I was offered instead a account number change restarting me back at XXXX effectively, and the advice to reach out to the the credit bureaus, The other gift I was blessed with was having all of my online access to those accounts restricted as in cut off so as it wasn't quite bad enough that I already wasn't getting the notifications that I have all turned on on the account that is supposed to ring me anytime a XXXX moves now I can't even manage the account or check the account via the online access or any other way other than going up to the bank which makes it very difficult, and I believe that this was done on purpose with the intent of frustrating me out of holding them responsible. \nDespite the new account numbers I went up to the bank the other day got new transcripts and have outlined continued charges and questionable items on the transcripts despite being essentially an effectively broke and not using the card hardly at all comparatively to normal. \nOnce again I talk with the same person one XXXX, at the XXXX XXXX XXXX XXXX of the Chase Bank and was not offered any sort of plan aid assistance advocacy or help other than to continue reaching out to those credit bureaus and possibly think of going to change my whole social security number and identity and everything like that but failing to posit or or you know advise on where I might get the funds to actually do any of that now that I am bankrupt and I'm about to lose my house and don't have any chance or any resources available at all and because I put my everything into keeping my house and trying to resist against this fictional bureaucratic unaccountable methodology...","date_sent_to_company":"2026-03-02T16:24:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"34231","tags":null,"has_narrative":true,"complaint_id":"19896593","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-02T15:35:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Okay so I believe that I talk through it pretty well on the phone this morning but just so we are clear in <em>writing</em>. At around the time of XXXX of last year right around the time of hurricane XXXX and hurricane XXXX, I started noticing charges in my bank account that looks suspicious. I believe that this was originally caused by a <em>security</em> breach or similar online account <em>security</em> breach."]},"sort":[11.395597,"19896593"]},{"_index":"complaint-public-v1","_id":"1472828","_score":11.0341215,"_source":{"product":"Credit reporting","complaint_what_happened":"I receive a FICO credit score from XXXX which is from Experien. I noticed my score dropped by XXXX points in XXXX. I contacted TransUnion online and had no issues - the item that they say was reported was not supposed to be reported and was removed. I tried to sign up for a trial credit monitoring, credit score, and credit report online with Experian and it would not allow me to obtain my report online on XXXX/XXXX/15 ( had same issue years ago ) I received a message that I needed to provide copies of bills, license etc via mail and they would send me a report. ( I never received a report years ago ) I was also unable to access my Experien report through XXXX on XXXX/XXXX/15 ; however, I had no issues with the other credit bureaus. I called Experien on XXXX/XXXX/2015 XXXX, The first time I did not receive an explanation as to why I can not access my account information - I was told all they could do was mail me XXXX and they could not provide me any further information. The 2nd time I called around XXXX and I asked the XXXX name - he did not want to give me his last name and then replied XXXX XXXX?? on team XXXX. When I asked to speak to his supervisor he was reluctant to provide me with a supervisor 's name but later stated her name was XXXX XXXX and she was unavailable. I again asked why I cant access my report online and why I ca n't dispute something online. I stated its my right, their website states it allows online access, and explained why I wanted to view my report. He said he can not disclose why and doesnt really know why I cant access online information. I told him that I dont accept that answer and would like to talk to his manager or supervisor. His reply : noone is available they are at lunch. He finally suggested that it may be because of a security question not being answered properly, an issue internally with Experien obtaining my report, or too much information to upload for me to electronically view. I said if I accidentally answered a security question wrong why cant they verify another way so I can access online information. He finally took my personal information minus my SSN and was able to access my report and placed me on hold. He came back on the telephone line and said there is nothing he can do. I replied by stating I dont understand this. It is my right to be able to view my reports - I need to get this resolved very quickly and again said I need to view this information online to possibly dispute - I have to cosign for a college loan for my son and he starts in 30 days. He said all I could do was dispute via phone and they can mail me a copy. I said that was unacceptable. I again asked to speak to a supervisor or manager and he said there was not one available. I said I do not want to dispute over the phone and asked how am I supposed to dispute when I cant even view my report & score? I want to dispute online and in writing and need to this taken care of immediately. The end result : Experien could not give me a explanation as to why I cant view my information online. I NEED TO VIEW THIS INFORMATION ASAP online.","date_sent_to_company":"2015-07-22T19:17:55.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"196XX","tags":null,"has_narrative":true,"complaint_id":"1472828","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-07-16T22:15:32.000Z","state":"PA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["I said I do not want to dispute over the phone and asked how am I <em>supposed</em> to dispute when I cant even view my report & score? I want to dispute online and in <em>writing</em> and need to this <em>taken</em> care of immediately. The end result : Experien could not give me a explanation as to why I cant view my information online. I NEED TO VIEW THIS INFORMATION ASAP online."]},"sort":[11.0341215,"1472828"]},{"_index":"complaint-public-v1","_id":"6892543","_score":10.972773,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with Equifax for their blatant disregard of the law and their continued inaccurate reporting of an alleged identity theft account on my consumer report. \n\nDespite following all the required steps outlined in your laws 15 USC 1681 C-2, Equifax has failed to block the information related to the alleged identity theft account. This is preventing me and my household from accessing credit and causing severe damage to my reputation and character. This is unacceptable and can not be tolerated. \n\nOn XX/XX/XXXX, I notified the creditor of the identity theft pursuant 15 USC 1681 S-2 ( 6 ) ( a ). I also sent notice to the major consumer reporting agencies, including Equifax, and they proceeded to open an investigation when they were supposed to block the information after four days of notice. I provided them with an FTC identity theft report proving that the account came from identity theft. \n\nAbsolutely nothing in the CFPB laws speaks on an investigation regarding an alleged identity theft. Your laws specifically state that after four days of receipt of the notice of the alleged identity theft, the information must be blocked. These are your words, these are in your laws, and I have fulfilled all my obligations and given all the required documents. Yet, Equifax seems to think they are above the law and will not honor what is in the law. I am seeking remedy from Equifax for their continuous violation of your laws by blocking and deleting the reporting of the alleged identity theft. \n\nEquifax 's behavior is unacceptable and indicates they feel they are above the law. This is evident despite the various lawsuits against them for identity theft, including the class-action lawsuit in XXXX as part of \" In re Equifax Inc . Customer Data Security Breach Litigation ''. The settlement agreement was reached in XX/XX/XXXX. \n\nThis credit bureau has willfully and negligently failed to comply with the FCRA, as evidenced by their failure to block the alleged identity theft account on my consumer report. It is outrageous that Equifax believes they are above the law and continue to violate my rights. As the gatekeeper, it is your responsibility to hold this consumer agency accountable and ensure they are abiding by the law. I am demanding that the identity theft account be immediately blocked and deleted from my consumer report and that Equifax be held accountable for their continued violations. \n\nI demand that the CFPB takes immediate action and holds this consumer reporting agency accountable for their negligence and willful violation of the FCRA. It is your duty as the governing body to ensure that they are abiding by the law and that my rights are being protected. Failure to comply with my demands will result in legal action being taken against the credit bureau and the CFPB. \n\nIt is imperative that you understand the gravity of the situation. Failure on the part of the CFPB to exercise its authority over the consumer reporting agency would be a willful and negligent violation of the FCRA. Such a failure will result in additional liability on your part, and you will be added to the ongoing litigation process without further notice. Therefore, I demand that you take immediate action to ensure compliance with the FCRA, and to protect my rights as a consumer. \n\nI urge you to take swift action and ensure that this credit bureau is held accountable for their actions. Thank you for your prompt attention to this matter.","date_sent_to_company":"2023-04-27T01:50:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"6892543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-27T01:45:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I demand that the CFPB takes immediate action and <em>holds</em> this consumer reporting agency accountable for their negligence and willful violation of the FCRA. It is your duty as the governing body to ensure that they are abiding by the law and that my rights are being protected. Failure to comply with my demands will result in legal action being <em>taken</em> against the credit bureau and the CFPB. \n\nIt is imperative that you understand the gravity of the situation."]},"sort":[10.972773,"6892543"]},{"_index":"complaint-public-v1","_id":"3197918","_score":8.609129,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"on XX/XX/XXXX XXXX i sent the following to PayPals general complaint email ( XXXX ) outlining my concern and accepted resolution. \n\n-- -- -- -- -- Email begins On XXXX XXXX XXXX I sold 2 XXXX XXXX XXXX via XXXX to another company doing business as XXXX XXXX XXXX. I received payment for my XXXX  XXXX via the PayPal service. After I received the money into my PayPal account I shipped the 2 XXXX XXXX to my buyer and immediately updated XXXX with tracking which is supposed to be mirrored on PayPal relieving the seller of needing to update both XXXX and paypal. Everything was fine up until XX/XX/XXXX When I logged into my PayPal account. PayPal told me my account was frozen and I could not have access to my money! PayPal accused me of \" suspicious activity based on recent changes in my account upon calling customer service I was told that I never shipped my items which was not true but apparently at some point the link between XXXX and PayPal failed. Paypal asked me to submit a copy of my ID, proof of shipment, business credentials & supplier info. I did this and PayPal still won't let me have my money! \nI contacted PayPals customer service number -- I was transferred to a member of the account resolutions team and initially the rep stated that more info was required he put me on hold for approximately 5 minutes and came back stating that they no longer need the info and it will be submitted again for review and I should hear something in three business days. took them three days to reply. I called PayPal TWICE -- On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. The first time the customer rep ( XXXX -- he would not give me his last name or an employee number or anything ) told me that everything looked good and I should get a response by the following day. I then called PayPal again being I heard nothing about restoring the account and a customer service representative ( XXXX ) stated that my account was permanently limited & I could not use PayPal anymore despite the fact that at the time I hadnt received 1 email or notification within my account stating this, instead my account remained temporarily limited until XX/XX/XXXX when I received the email stating the account was closed for security issues when no security issue was brought to my attention ever, initially the issue was that PayPal noticed significant changes in my account however, there were no changes made to my account. Then I was told it was because PayPal didnt receive any proof of shipment and the narrative morphs one last time into a mysterious security issue. \nPayPal will not even provide me with evidence showing me what this \" suspicious activity was. '' But I had to supply PayPal with plenty of very private information! In the end to refuse to give me my money back! \n\nAfter looking into the issue as to how something like this could happen to me I soon found out that I was not the exception to the rule and PayPal has made this Ponzi scheme where they hold ones funds by providing bogus reasons to limit their account for up to 6 months and invest these funds that belong to XXXX sellers in a high interest earning account and pays back the seller with another sellers funds from a product or service that they paid for with their hardworking money and or put time into be it by providing a service or simply setting up the XXXX   account and working hard responding to potential buyers and providing great customer service and the seller isnt entitled to any of the profit from their money PayPal uses to gain interest on. This alone is not acceptable but it gets worse, PayPal is not FDIC insured so if within these 6 months something happens to the company the buyer is happy with their product PayPal took their fee from your money and made even more money off of it and you will not ever see a dime if for instance the company collapses during the absurd 6 month hold time resulting from a deliberate 6 month return policy that no other company has with the exception of XXXX which gives their customers 12 months to return or exchange a XXXX  branded product but this is clearly different because they in no way shape or form are able to profit from this policy unlike paypal. \n\nXXXX are some additional findings Ive uncovered : We have not reached profitability to date. We have accumulated net losses of {$230.00} XXXX ... ''. PayPal continues to say, \" We intend to continue to make significant investments in our systems, infrastructure and customer service operations. '' So you are operating at a loss, but continue to invest funds into your company. Where do you think that money is coming from? Why do you hold on to MY money for so long? Is it a Ponzi scheme? Freeze millions of dollars of customer funds for 6 months, use those funds, then pay back those people by freezing the funds of other customers for another 6 months? \n\nChooses to accept MY money and business and then charge me guilty until Ive proven my innocence! Millions of accounts frozen and millions and millions of dollars of other people 's money sitting in PayPal 's bank account. \n\nThere is no question that PayPal employees with PayPal accounts know how to manipulate the system. Since they are poorly trained and poorly paid, you can bet PayPal employees are out there committing fraud. Do you know who is REALLY buying from sellers on eBay ( could it be a PayPal employee intent on taking my product AND my money? ). \nPayPal fraud doesn't stop there. PayPal says that, \" The large volume of payments that we handle for our customers makes us vulnerable to employee fraud or other internal security breaches. We can not assure you that our internal security systems will prevent material losses from employee fraud. '' CUSTOMERS ARE VULNERABLE TO EMPLOYEE FRAUD OR OTHER INTERNAL SECURITY BREACHES. \nWE CAN NOT ASSURE YOU THAT OUR INTERNAL SECURITY SYSTEMS WILL PREVENT LOSSES FROM EMPLOYEE FRAUD. \nI don't recall seeing that anywhere in the PayPal User Agreement. Do you? \n\nPayPal admits that it is subject to consumer protection laws. \n\" We are subject to state and federal consumer protection laws, including laws protecting the privacy of consumer non-public information, prohibiting unfair and deceptive practices ... ''. \nOkay, if this is the case, then why do you break them every chance you get? You do not disclose all of the terms of doing business with us in your own User Agreement. \nThe User Agreement you make me agree to is one sided, contradictory, and designed to XXXX me out of my money! I dont mind the account being permanently limited but Im demanding my funds be released immediately and made available for me to transfer into my account through an instant transfer to my debit card, ill even pay the fee. If paypal fails to comply in a reasonable time I will take action and contact all relevant state and federal agencies to include but not limited to : The Consumer Financial Protection Bureau The Virginia State Corporations Commission Virginia Office of Attorney General California Office of Attorney General The United States Federal Reserve XXXX XXXX XXXX   however, i feel its only fair to allow you the opportunity to correct this issue directly, id like nothing more than to get access to my funds and move on. \n\n\nKind Regards, XXXX XXXX Sent from my XXXX -- -- -- EMAIL ENDS ON XX/XX/XXXX XXXX a message was sent to XXXX XXXX ( Customer Solutions Group Leader ) -- -- -- -- -- -EMAIL BEGINS Greetings, XXXX Thank you in advance for taking the time to resolve my issue. ( Disclaimer :  Nothing against you, Im sure youre probably a great individual. ) Im writing you this email because in short PayPal is XXXX me every second of every day that passes by until I regain access to funds that belong to me in which PayPal has already taken processing fees for and is now using to profit from. I want my funds to be released immediately! If further clarification is needed please see attached thread. \n\nXXXX sent the message. XXXX sent the typos. XXXX. iTypos. iApologize. \n-- -- -- -- -- -- -EMAIL ENDS A message was sent on XX/XX/XXXX XXXX to XXXX XXXX ( COO ) -- -- -- -- -- -- EMAIL BEGINS Greetings, XXXX I have failed to receive a response from the below addressed. Hoping to achieve a resolution with you. \nXXXX sent the message. XXXX sent the typos. XXXX. iTypos. iApologize. \n\n-- -- -- -- -- -- -- EMAIL ENDS On XX/XX/XXXX a final email was sent to XXXX XXXX ( President & CEO of Paypal ) -- -- -- -- -- -- -- -- EMAIL BEGINS Spoke with CSR XXXX at XXXX requested to either have my funds released or my product returned. XXXX stated it seems the customer is happy with the XXXX XXXX so as long as this is the case they can keep it. Then if its been determined the customer is happy with the XXXX  XXXX why are my funds still on hold? \n\n\n\n\nTransferred to manager at XXXX in limitations Dept stating that theres a risk involved in releasing the funds for merchants who are no longer customers because if a chargeback occurs they are no longer processing transactions so the risk of getting the money is higher. 1st of all just because a merchant is a PayPal customer doesnt mean they will continue to process payments with PayPal they can have their funds released transfer the money and change the bank accounts and debit cards and close the account most of these things cant be done by a merchant that is permanently limited as I am and its obvious based on my example given that my risk is actually less than the risk associated with a merchant whom is no permanently limited and XXXX response makes no sense and it is just another excuse to keep my funds to profit from. The buyer is a business who has already resold my product so why are my funds on hold? At this point I do not wish to wait any longer for my funds and I either need PayPal to release my funds or have my product returned. This is my final attempt to have this issue resolved directly through PayPal and I will contact the appropriate federal and state regulators beginning XX/XX/XXXX at XXXX if PayPal fails to release my funds or return my product. \n\n-- -- -- -- -- -- -- -- -- -EMAIL ENDS It is now XXXX and paypal is still blocking me from accessing my funds and is using it to profit from. ive paid them to process a transaction and they kept the funds after i sent the customer the product and 5 months later still they are profiting from those funds while i have bills to pay and the customer is happy with the profits from the product i sold them and they resold.","date_sent_to_company":"2019-04-01T15:38:17.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"22202","tags":null,"has_narrative":true,"complaint_id":"3197918","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2019-04-01T14:37:58.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["has already <em>taken</em> processing fees for and is now using to profit from."]},"sort":[8.609129,"3197918"]},{"_index":"complaint-public-v1","_id":"19881140","_score":8.475995,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX LEGAL NOTICE OF DISPUTE AND COMPLAINT SUBMITTED TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) COPIED TO : XXXX XXXX XXXXXXXX ( XXXX ) OFFICE OF THE INSPECTOR GENERAL DATE : XX/XX/year> CONSUMER INFORMATION : Name : XXXX XXXX XXXX of Birth : XXXX Phone Number : XXXX Account Number : XXXX To Whom It May Concern : I am submitting this formal complaint regarding the handling of my federally protected Social Security benefits, improper account practices, and failures to comply with federal consumer protection laws and regulations. \n\nXXXX. Illegal XXXX of Protected Funds My monthly Social Security benefit, which is exempt from levy, garnishment, or other legal process under 42 U.S.C. 407 and subject to protections for federal benefit payments, was partially seized before being made available in my account. The deposit amount was {$1100.00}, but only {$740.00} was made available to me, reflecting an unexplained internal offset of {$350.00}. I did not authorize any offset against my protected benefits, and the documents provided by the institution do not match the amount withdrawn. \n\nI request a full review of how my Social Security funds were handled, including a detailed explanation of any internal offsets and confirmation that all protections for federal benefit deposits were followed. \n\nXXXX. Coercive and Misleading Tactics The company is using coercive tactics regarding a supposed credit account that does not actually provide a true credit line, because I must load my own funds before I can spend. Despite this, representatives have implied that negative information may be reported to credit bureaus if I do not comply with their demands, creating pressure and intimidation. These communications are misleading about the nature of the product and appear designed to strongarm me into accepting responsibility and terms that do not accurately apply to a prepaid or depositfunded account. \n\nXXXX. Denial of Support and Access to Assistance After I began challenging the handling of my funds and disputing transactions, I was effectively blocked from chat support. Chat access had previously been available but became restricted only after I raised these concerns. Phone support now involves excessive hold times, repeated transfers, and being sent to ringing extensions with no answer, preventing me from getting meaningful help to resolve the issues. \n\nXXXX. Refusal to Escalate and Misrepresentation of Authority My repeated requests to speak with a supervisor or higherlevel representative have been denied. I have been told there is no corporate office and that entrylevel support is the final authority, which I believe is inaccurate and obstructs my ability to have my dispute properly reviewed and escalated. This conduct makes it impossible to resolve the matter directly with the company. \n\nXXXX. Inadequate and Bad Faith Investigation ( Regulation E ) I submitted a fraud dispute and briefly received a provisional credit that was then reversed after an investigation that lasted less than XXXX hours. Regulation E requires financial institutions to follow defined errorresolution procedures, including conducting a reasonable investigation within the applicable time frames, providing provisional credit when needed, and reporting the results to the consumer. A denial after such a superficial review does not appear to satisfy these requirements and suggests a bad faith attempt to close the dispute without properly investigating. \n\nI request that the institution be required to complete a Regulation Ecompliant investigation, document the steps taken, and provide me with the results in writing, including a clear explanation of the findings and my rights. \n\nXXXX. Retaliatory Termination of Communications Support agents have repeatedly terminated chat sessions immediately after I state that I intend to appeal the denied dispute or seek assistance from regulators or other authorities. This pattern appears retaliatory for asserting my rights and further interferes with my ability to obtain information and resolve the dispute. \n\nXXXX. Failure to Provide Required Documentation and Disclosures Since approximately XXXX, I have requested written results and reasoning for a dispute involving a merchant that is widely recognized as a fraud risk. Despite these repeated requests, the institution has not provided the required written explanation of the investigation results, the factual basis for its decision, or the documentation and disclosures required under Regulation Es errorresolution provisions. \n\nRegulation E requires that, when a financial institution completes an error investigation, it must report the results to the consumer and, if it finds no error or a different error, provide a written explanation of its findings and inform the consumer of the right to request the documents relied upon in making its determination. The ongoing refusal to provide this information, particularly in relation to a known scam merchant, is a serious compliance concern. \n\nRequested Relief I respectfully request that the CFPB and the XXXX XXXX of the Inspector General : - Investigate the XXXX and internal offset of my protected Social Security benefits and require the institution to restore any funds that were improperly withheld. \n- Review the institutions handling of my Regulation E disputes, including the adequacy of the investigation, timing, use and reversal of provisional credit, and failure to provide written results and explanations. \n- Examine the companys use of coercive and misleading tactics in connection with a product that functions as a prepaid or depositfunded account rather than a traditional credit account. \n- Address the denial of access to support channels, refusal to escalate complaints, and apparent retaliatory termination of communications when I attempt to assert my rights or seek regulatory assistance. \n- Require the institution to provide me with all disputerelated documentation, including investigation notes, internal records, and final written determinations, as well as any documents relied upon in denying my claims. \n\nPlease confirm receipt of this complaint and provide me with a case or reference number. I am prepared to supply statements, screenshots, account records, and any additional documentation needed to assist in your review.","date_sent_to_company":"2026-03-01T18:08:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"19881140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-01T17:46:34.000Z","state":"NC","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I request that the institution be required to complete a Regulation Ecompliant investigation, document the steps <em>taken</em>, and provide me with the results in <em>writing</em>, including a clear explanation of the findings and my rights. \n\nXXXX. Retaliatory Termination of Communications Support agents have repeatedly terminated chat sessions immediately after I state that I intend to appeal the denied dispute or seek assistance from regulators or other authorities."]},"sort":[8.475995,"19881140"]},{"_index":"complaint-public-v1","_id":"2915070","_score":7.953868,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, In XX/XX/XXXX/XX/XX/XXXX I started the process of buying my home. I was informed by my loan officer that in order to proceed with my loan, I would have to take person A off of my bank account because I was the sole loan holder. I went to my Financial Intuition XXXX XXXX/XXXX now Wells Fargo and removed person A from my account. Since XX/XX/XXXX/XX/XX/XXXX person A does not have a Debit card or Checks attached to my account. Person A does not make withdrawals, Deposits, or purchases with my account. I have received mail from Wells Fargo with my name only on the mail. On XX/XX/XXXX I received an email saying that my account had a {$0.00} balance and that {$1600.00} had been withdrawn from my checking account. I reached out to the bank to find out what happened. I was informed that this was a legal matter involving the State Marshal, and that I would have to speak to the State Marshal for further information. I called the number that I was given and was informed from a State Marshal representative that this was a debit collected for Person A. I explained that Person A is not on my account. I was given the number for Lawyers Office and informed to have Person A speak to them. Person A spoke with a State Marshal representative and explained that this was not her account nor did she own any funds that were in the account. Person A was informed that we would need to go to the bank and fill out paperwork disputing this collection. I called Wells Fargo and explained to them that Person A should have been taken off my account from XX/XX/XXXX/XX/XX/XXXX when I purchased my home. I informed them that I went down to the XXXX XXXX branch and had her removed from my account. I also informed them that they can look through my account activity, and verify that she has not dealt with my account since said date. I was informed that she did not see where the changes had been made, and that Person A name is still on my online bank statements. I informed her that I dont look at those statements, and if I had, I would have called Wells Fargo wanting to know why her name there. I was told that I would have a better chance to go to the XXXX XXXX Branch and maybe they will own their mistake. I informed the representative that this is a security breach, not only is Person A not supposed to have access to my account, but someone was allowed to take out funds on her behalf. \nI went to the XXXX XXXX Branch and worked with Banker. I explained to Banker the reason why I was in the branch, and all of my concerns. Banker suggested that maybe while XXXX and Wells Fargo merged some paper work might have slipped through the crack. Banker made several phone calls to different departments. The first department informed him that they do not see where I made the account changes. He then called the Legal department and was informed that there was nothing they could do, and that I would have to work with Debt Collector to try to get my money back. I informed Banker that you can see that she has no checks or debit card attached to my account. I also told him that he can look at my account and see that she has not made any deposits or withdrawals on this account since XX/XX/XXXX/XX/XX/XXXX. The only thing that ties her to this account is her name on my online bank statement, which I was just informed is still on there. I also informed Banker that I get mail from Wells Fargo with my name only, and if this is a joint account it should have both names. Banker informed that the funds have not been released to the Debt Collector, but are on hold and that I had 2 weeks to settle this matter before they will be released. \nI left Wells Fargo feeling more confused than when I arrived. I am writing this letter because as an account holder there should have been more done to protect my account. I know that I went to that branch and requested Person A was taken off of that account as my loan officer asked. My account activity will show and prove Person A has not had any connection with my account since XX/XX/XXXX/XX/XX/XXXX. Because my account can prove that Im telling the truth there should be more that Wells Fargo can do for me their customer, other than tell me to work with the Debt Collector for a debt thats not mine. Wells Fargo did not protect me their Customer after they made this mistake, and did not remove Person A from my account as she should have been. I have been a customer with this bank since XX/XX/XXXX when they were XXXX XXXX, and this is the thanks I get for being a loyal customer.","date_sent_to_company":"2018-05-22T17:26:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"06112","tags":null,"has_narrative":true,"complaint_id":"2915070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-05-22T17:00:05.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Banker informed that the funds have not been released to the Debt Collector, but are on <em>hold</em> and that I had 2 weeks to settle this matter before they will be released. \nI left Wells Fargo feeling more confused than when I arrived. I am <em>writing</em> this letter because as an account holder there should have been more done to protect my account. I know that I went to that branch and requested Person A was <em>taken</em> off of that account as my loan officer asked."]},"sort":[7.953868,"2915070"]},{"_index":"complaint-public-v1","_id":"4108796","_score":7.935253,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing this correspondence in regards to the recent activity and service surrounding my Fifth Third bank accounts ending in XXXX and XXXX and their unfounded closures by your corporation. In XXXX I refinanced my home via Fifth Third Bank and received a Flex line account ending in XXXX in the amount of {$140000.00} Upon receiving the account with Fifth Third bank they made me aware that I would be able to access the funds without restriction. In XX/XX/XXXX I completed two wire transfers through my account to XXXX XXXX to my family and those transactions were completed successfully and without incident. In XX/XX/XXXX I attempted to complete a similar transaction from one of my account in the amount of {$25000.00} I received an email from bank personnel XXXX, XXXX stating that I tried to reach you by phone to inform you that at this time the foreign wire we initiated has been rejected. \nUpon receiving the email I called him back and he further explained that the reason for the rejection was due to the money is going to High Risk Country. The money was then released back to my account endingXXXX on the following day. On XX/XX/XXXX I visited the branch on XXXX XXXX XXXX XXXX XXXX IL XXXX. I Spoke with bank personal XXXX XXXX explaining to her that my recent wire transfer had been rejected, I then asked her to call the wire transfer department to insure that my next attempt would be successful giving the exact amount number along with the Flex line account she was able to speak with the department and they confirmed that the transfer would be processed if attempted a second time. On the same day at XXXX XXXX XXXXXXXX XXXX called me back stating that they would need evidence of what I would be using the money to do in XXXX. I explained to her that it was for my mothers medical expenses and for a house project. I was then asked for documentation as proof of my reasons. I stated that I had never been asked this in prior transfer and I did not feel it was necessary to provide documentation of my familys private information surrounding the transfer, as I had completed similar transactions successfully prior to the current. XXXX then said she would speak with the wire transfer department and she would follow up with me. The next day XX/XX/XXXX I returned to the bank and spoke with XXXX, she then made me aware that a hold had been placed on my checking account XXXX ; however the money that was being wired was transferred from my Flex Line account to my checking account. I then asked XXXX why this was happening as we had already confirmed the transfer would process the day prior with the department and she then stated that the account was under review and had been assigned to bank personnel XXXX XXXX ( XXXX ) XXXX. I waited to hear from XXXX and did not receive a call until XX/XX/XXXX. When speaking with XXXX she asked me Where are you from ... I barely can hear you and what is your current address and previous address?, what is your social security number? XXXX then began interrogating me, asking me about what I would be using the money for. I then again explained as I had with XXXX, that I would be using the money for my mothers medical expenses, and home projects. At which point XXXX then began to berate me with questions regarding the previous months of my accounts transactions. She then began to make statements why did I just not use a cashier 's check instead of money order in previous transaction the questioning preceded further about my previous months of transactions. I then asked her why she was interrogating me regarding previous transitions that were not relevant to the current transfer. I told XXXX that she could look at my accounts and see what and how I had been using my funds. She then stated that she would speak with higher management and get back to me before the end of the day. I did not receive a call back. Next day I called XXXX back, leaving a voicemail asking for follow up regarding the matter. I then went to the bank headquarter XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I spoke with a bank representative and they called XXXX, explaining that I had come to requesting follow up surrounding our previous conversation. Immediately after their conversation XXXX called me and stated I am still working on it. I then asked her on what grounds was the bank placing a hold on my account? She replied that, She did not have to repeat herself and she already told me yesterday. I then responded what do you mean? I demand to know why you put a hold on my account she then said Sir stop yelling to which I responded I am not yelling that this is how I speak she then said I asked you questions yesterday and you did not answer and then I said Yes, I did answer all your questions then replied You did not because you are doing something you are not supposed to be doing after which she hung up on me.. At which point I received a letter from the Fifth Third bank stating that they would be closing both of my accounts and reporting me to the credit bureau because of the last transaction. The actions taken by Fifth Third bank were not only unprofessional but in large part discriminatory against me as an XXXX XXXX, as the issue was not lack of finances or fraudulent practices but simply the country it was going to and the assumptions of one bank personnel who had no evidence to support her accusations. As an XXXX XXXX man my immediate family lives in XXXX. It is also my belief that these discriminatory practices prohibited me in sending financial assistance to my sick mother who was depending on me to send her money for her life saving XXXX. As a direct result of my accounts being placed on hold, and then cancelled without sufficient grounds and based purely on speculation I was unable to send the last payment to my mother for XXXX and as a result of not receiving payment she was unable to receive the XXXX and therefore, she passed away a few days later. I have reported this to the Consumer Financial Protection Bureau. And I will further be taking legal action to resolve this matter. I am appalled and disheartened at the lack of fair practice and blatant discriminatory practices that were displayed by fifth Third bank.","date_sent_to_company":"2021-02-01T16:28:29.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"60607","tags":null,"has_narrative":true,"complaint_id":"4108796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2021-02-01T16:19:30.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I demand to know why you put a <em>hold</em> on my account she then said Sir stop yelling to which I responded I am not yelling that this is how I speak she then said I asked you questions yesterday and you did not answer and then I said Yes, I did answer all your questions then replied You did not because you are doing something you are not <em>supposed</em> to be doing after which she hung up on me.."]},"sort":[7.935253,"4108796"]},{"_index":"complaint-public-v1","_id":"12564958","_score":7.6104302,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing again because my previous complaint, filed on XX/XX/XXXX, was not handled properly. My complaint was about Professional Debt Mediation Inc. ( PDM ) and XXXX XXXX XXXX XXXX XXXX violating my rights and illegally trying to collect a debt I dont owe. \n\nInstead of investigating, CFPB closed my case too quickly after receiving this vague response from PDM on XX/XX/XXXX : \" Per our client, this debt is valid and owed. This account still has a remaining balance after the amount of {$9300.00} was paid toward the outstanding balance. '' That response is not proof of anything. CFPB should have asked for real evidence, not just taken PDMs word for it. \n\n1. What My Landlord and PDM Did Wrong : A. The Landlord Did Not Follow Florida Law : 1. They never sent me a list of damages. Florida law says that if a landlord wants to keep a tenants security deposit for damages, they must send a written notice within 30 days. I never got anything.\n\n2. They are charging me for damages that were already there. I left the apartment in the same condition I received it in. No one did a move-out inspection, and they never proved I caused any damage.\n\n3. They charged me rent after I was evicted. A judge ordered my eviction on XX/XX/XXXX, which legally ended my lease. Once a court issues an eviction order, the lease is no longer valid, and the landlord has no right to charge rent beyond that date. \n4. Despite this, XXXX XXXX XXXX XXXX XXXX continued to add charges after my eviction, trying to collect rent that I legally did not owe. This is not only unfairit is an illegal attempt to collect money they have no right to claim, especially since they never obtained a court judgment for any alleged damages along with the unpaid rent.\n\nB. PDM Failed to Prove the Debt Is Real : Debt collectors must provide proof that a debt is valid when asked. Heres what they were supposed to send : A detailed breakdown of what I supposedly owe.\n\nBefore and after pictures showing damages.\n\nReceipts or invoices for any repairs.\n\nA court order or contract proving they have the right to collect this debt.\n\nInstead, all they sent me was a rent ledger. That does not prove I owe this money. They are just taking my former landlords word for it.\n\nC. PDM Violated My Rights by Harassing My Family : PDM also kept calling my family members about this debt, even though they were never listed as contacts on my lease. Debt collectors are not allowed to do this.\n\n2. What I Need CFPB to Do : 1. Reopen my complaint and actually investigate PDM and XXXX XXXX XXXX XXXX XXXX \n2. Make PDM and my former landlord provide real proof of their claim. A rent ledger is not enough.\n\n3. Order PDM to stop collection efforts and remove this from my credit report.\n\n4. Hold PDM accountable for illegally contacting my family. \n5. Make my landlord return my full security deposit, since they broke Florida law by not sending me a damage report.\n\n3. Conclusion CFPB Must Enforce the Law : I filed this complaint because my rights have been violated, and I need help. I expected CFPB to apply the law and take actionto read my complaint carefully, enforce consumer protection laws, and investigate properly. But you didnt even bother. \nThe CFPB exists to protect consumers. The role of this agency is to recognize violations, hold debt collectors and landlords accountable, and ensure that consumers are protected from unlawful collection practices.\n\nWhen PDM responded with nothing but a one-sentence claim, CFPB should have pushed back and asked for proof. The violations I reported should have been questioned. Instead, my complaint was brushed off without a real answer, and CFPB allowed this collection agency to continue its actions without even a slap on the wristas if their vague response was enough to dismiss the intense list of violations I provided.\n\nI never would have thought this is how CFPB handles complaints, yet that is exactly what happened. At the very least, CFPB did not even notify me when PDM responded. \nThis time, I expect CFPB to do its job by : Actually, reviewing my complaint carefully and making PDM provide real evidence.\n\nHolding PDM accountable for failing to validate the debt.\n\nHolding PDM accountable for harassing my family members who were never listed on the lease.\n\nGiving me a real response and conducting a proper investigation, instead of just accepting whatever PDM says and closing my case again without a legally valid explanation or proper documentation.\n\nAt the Very Least, I Expect CFPB to Require PDM and XXXXXXXX XXXX XXXX XXXXXXXX XXXX to Provide : Before and after pictures proving any alleged damages. \nMove-in and move-out inspection checklists showing the apartments condition. \nInvoices and/or receipts for any and all claimed repairs. \nA valid court order or legal document proving I owe this debt for damages and for the amount of {$9300.00}. \nA copy of the letter they claim to have sent me regarding my security deposit. \nIf They Fail to Provide This Evidence, Then CFPB Must : 1. Order PDM and XXXX to return all money wrongfully charged to me immediately for the amount of {$3900.00} ( supporting documents provided ).\n\n2. Require PDM to completely remove all negative credit reporting and collection records for everyone listed on the lease.\n\n3. Require PDM and XXXX to send me a written letter stating that this debt has been deleted, was wrongfully charged, and that they will no longer attempt to collect from me or anyone else on the lease. \n4. Require a letter from XXXX XXXX XXXX XXXX XXXX acknowledging that the {$9300.00} charge was wrongful and that the damage claims were made in error. This letter should include an apology and confirmation that all negative tenant records associated with me and everyone listed on the lease have been cleared. Additionally, the eviction should be removed from all of our rental histories. \n\nCFPB Must Reconsider Its Decision to Close My Case : CFPB did not conduct a real investigation before dismissing my complaint. This needs to be fully investigated, the correct laws must be applied, and this matter must be resolved fairly and lawfully. \n\nI look forward to a response confirming the actions CFPB will take to correct these violations NOTE : All the pictures clearly show that the apartment was in poor condition when I moved in and was returned in the same condition upon move-out. The damages they are claiming were already present when I took possession of the apartment, and therefore, they can not claim these as damages. This is due to their own neglect, as they never provided a move-in inspection or a move-out inspection, as required by law. \n\nThis is an attempt to scam the system, and they should be held accountable for using false information to taint our records. They are attempting to collect for damages that do not exist and should not be allowed to do so. \n\nAdditionally, court documents confirm that they only had the right to collect for eviction-related charges and not for any alleged damages, which further supports that their claims are unjustified.","date_sent_to_company":"2025-04-24T17:19:32.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"12564958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Debt Mediation, Inc.","date_received":"2025-03-19T15:26:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["CFPB should have asked for real evidence, not just <em>taken</em> PDMs word for it. \n\n1. What My Landlord and PDM Did Wrong : A. The Landlord Did Not Follow Florida Law : 1. They never sent me a list of damages. Florida law says that if a landlord wants to keep a tenants <em>security</em> deposit for damages, they must send a written notice within 30 days. I never got anything.\n\n2. They are charging me for damages that were already there. I left the apartment in the same condition I received it in."]},"sort":[7.6104302,"12564958"]},{"_index":"complaint-public-v1","_id":"15094458","_score":7.413413,"_source":{"product":"Debt collection","complaint_what_happened":"I have been repeatedly contacted by Gulf Coast Collection Bureau FL. ( XXXX ) XXXX I am currently working with a XXXX  Benefit Specialist at XXXX XXXX XXXX about an emergency visit for XXXX XXXX dated XX/XX/year>. All bills are supposed to be on hold through the facility pending medicaid/Social security review . I had previously confirmed this with them via phone call twice. It has not helped stopping the calls, texts, and escalation. They have called me on 4 separate occasions ( listed below ) and have sent me texts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. \n\nIndependent practices which operated through XXXX ( \" non-profit '' ) have now taken me to collections before medicaid and Social Security benefit decisions have even been made... \n\nHere is the copy of the letter I had sent to Gulf Coast Collection Bureau : \" I am responding to your contact about a debt you are trying to collect. You contacted me by phone twice now since notifying your office of a pending Medicaid review via XXXX. I was contacted most recently on XX/XX/year> and previously on XX/XX/year> via phone call ( as well as 2 others before ) and you identified debt coming from XXXX XXXX of XXXX XXXX XXXX ( I was informed by the woman on the phone that they know XXXX XXXX personally and that the debt was definitely valid? This seems very inappropriate and personal ). I am inquiring for more info : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. \nIf this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. \nProvide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? \nIf you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. \nThe amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. \nState the amount of the debt when you obtained it, and when that was. \nIf there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. \nIf there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. \n\nIf there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. \nTell me when the creditor claims this debt became due and when it became delinquent. \nIdentify the date of the last payment made on this account. \nHave you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. \nDetails about your authority to collect this debt. \nI would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. \nIf you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. \nI have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. \nIn addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. \nThank you for your cooperation. Sincerely, XXXX XXXX '' Gulf Coast Collection Bureau provided me no answers to the above questions. They only resent me the account names and numbers of the debt they are attempting to collect- but this time highlighted the names of the doctors... \n\nPlease help!","date_sent_to_company":"2025-08-05T18:33:40.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"34231","tags":null,"has_narrative":true,"complaint_id":"15094458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GULF COAST COLLECTION BUREAU, INC.","date_received":"2025-08-05T18:07:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["All bills are <em>supposed</em> to be on <em>hold</em> through the facility pending medicaid/Social <em>security</em> review . I had previously confirmed this with them via phone call twice. It has not helped stopping the calls, texts, and escalation. They have called me on 4 separate occasions ( listed below ) and have sent me texts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX."]},"sort":[7.413413,"15094458"]},{"_index":"complaint-public-v1","_id":"6444649","_score":6.83312,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To : FDIC- Office of the Ombudsman Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email/Website : FDIC : Information and Support Center - Home Object : Official request to solve a problem with the XXXXXXXX XXXX XXXX Sir /Madam , My name is XXXX XXXX and I fell victim to a scam company XXXX ( The Company ) and I invested out of pocket a total amount of {$5700.00} USD. It all started when I I had an issue with a product I purchased from XXXX. I XXXX  XXXX 's phone number and a site popped up for an XXXX toll free number, I called and a person representing XXXX answered. He identified himself as XXXX, I explained why I was calling, he asked for my XXXXXXXX XXXX XXXX  and the product code and price of the item I purchased. After giving him the information and explaining what was going on with the device, he said they could issue a refund. And he needed to put me on a brief hold. When he returned he said he'd spoken to his supervisor, and was switching me over to him, and to follow his exact instructions. When this person came on the phone he introduced himself as XXXX. I explained what was going on with the tool I purchased. He reaffirmed they would issue a refund. Then he proceeded to ask about supposed purchases over {$300.00} each. I then explained that my last purchase was for {$11.00} or so. That when he suggested they might be fraudulent and he needs to verify my ip address to make sure. He then had XXXX installed the XXXX XXXX  Then he told me that he would create a dummy account, and to follow his instructions step by step. I told him I wasn't comfortable with that and he said not to worry, it's only a XXXX  account, and nothing was going to happen. That is when he told me to open the XXXX  to start the XXXX XXXX Then he had me enter the XXXX and prompted me to text yes when the bank text to verify. I repeated the process two more times. For XXXX and XXXX XXXX  explained I needed to get back to work. He then gave me his direct number and said to call him back after I got off work, Which I did. That's when he told me that he was able to trace the ip addresses. And it wouldn't come from my account. And he was going to issue a full refund. To call the next day in the morning. To complete everything. When I called he had me reopen the XXXX XXXX  once again. Then told me to request {$1900.00} so I did. He made it seem like something was wrong, so then he said to send it. \nI report this to you as a Financial Regulator of Bank of America to look into the fact that my report to Bank of America was responded to with a refusal. The main reason for the existence of the Ombudsman is to resolve disputes between clients and their financial institution. So, I tried to solve this problem by myself with Bank of America. I asked them in several official letters and correspondence with the support where I claimed my money back since they failed to protect me and they violated their own terms and conditions about the customer protection against money laundering and fraud. \n\nAfter my initial letter to Bank of America, they decided to escape their liability by stating that they are not liable for such a transaction. \nSo, after my attempts ended in failure, I was really disappointed by Bank of America. I thought that at least they would respect their terms regarding customer protection but they simply decided to deal with my issue with immaturity and underestimation. I was not totally hopeless, but I was expecting that their response would bring me justice and take my side and defend me, but obviously, they are not willing even to listen to me and I am desperate by this response. \nAs a regulated financial institution, it is of your obligation to contact Bank of America and urge them to take the right action as they are supposed to. If they had taken action at the point my report was made, my funds could have been retrieved. The recipient would have been contacted and the fraudulent event would have been communicated to them BUT NO, none of these were done, I did all the contacting myself. \nAnd as a regular person, my report wasnt taken seriously which is a total disrespect to me personally and a huge disappointment. I deeply think that if an investigation was made by XXXX a result would for sure be obtained. But now the situation looks as if Bank of America, a company that is regulated by you, helped a fraudulent company to obtain my money. \nI request to contact Bank of America regarding my situation and resolve this dispute through the right process. \nIm sincerely looking forward to receiving your answer. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Attached are the letters sent to BOA and their responses ) To : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX Object : This is an Official Request for Refund Sir/Madam, My name is XXXX XXXX XXXX a client of your bank, I am writing to you to raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known XXXX ( The Company ) and I invested out of pocket a total amount of {$5700.00} USD. \nSo let me tell you how this sad situation happened to me : It all started when I I had an issue with a product I purchased from XXXX. I XXXX  XXXX 's phone number and a site popped up for an XXXX toll free number, I called and a person representing XXXX answered. He identified himself as XXXX, I explained why I was calling, he asked for my XXXX user ID and the product code and price of the item I purchased. After giving him the information and explaining what was going on with the device, he said they could issue a refund. And he needed to put me on a brief hold. When he returned he said he'd spoken to his supervisor, and was switching me over to him, and to follow his exact instructions. When this person came on the phone he introduced himself as XXXX. I explained what was going on with the tool I purchased. He reaffirmed they would issue a refund. Then he proceeded to ask about supposed purchases over {$300.00} each. I then explained that my last purchase was for {$11.00} or so. That when he suggested they might be fraudulent and he needs to verify my ip address to make sure. He then had XXXX installed the XXXX XXXX. Then he told me that he would create a dummy account, and to follow his instructions step by step. I told him I wasn't comfortable with that and he said not to worry, it's only a dummy account, and nothing was going to happen. That is when he told me to open the XXXX  to start the ip trace. Then he had me enter the XXXX and prompted me to text yes when the bank text to verify. I repeated the process two more times. For XXXX and $ XXXX explained I needed to get back to work. He then gave me his direct number and said to call him back after I got off work, Which I did. That's when he told me that he was able to trace the ip addresses. And it wouldn't come from my account. And he was going to issue a full refund. To call the next day in the morning. To complete everything. When I called he had me reopen the XXXX XXXX once again. Then told me to request {$1900.00} so I did. He made it seem like something was wrong, so then he said to send it. I then tried to cancel this transaction at this point. \n( Check Transactions : ) Then I ask him to send back the order funds I've sent on the XXXX. He then said it would take time. So I told him to send it back the same way I sent it, through XXXX. He began to stall, so I told him if he didn't return my money I would contact the authorities. I demanded my money, and he hung up. So I called XXXX back and told him that it would be a fraud and I wanted my refund to my XXXX  account. He told me to calm down, I didn't, he hung up once again. I called back a few more times, but he didn't answer. So I call the toll free number when I first dial. That's when I spoke with XXXX again, still representing XXXX as a customer service representative. After explaining what happened with XXXX XXXX, he apologized and supposedly went to talk with a finance manager. When he got back on the phone he told me they would return the full amount. He asked me to open the XXXX. Then he wanted me to open only apps that deal with money such as XXXX, XXXX, etc. I then told him I wasn't opening anything and hung up, this was XX/XX/2022. \nToday, I feel lost because my financial situation went very badly. I have credits to pay, I am no longer able to provide my family with what they need, but I especially feel betrayed. \nThats why I am coming to you with this official request to refund my full lost money for the amount of {$5700.00} USD. Either you claim it from the beneficiary bank where you allowed my money to go. Either you reimburse me from your own pool because as your client you are responsible to protect my funds. I hope that you will not shift liability, and you assume the consequences of your mistake, I want to stay your client for longer and keep receiving your services but for this, you have to show maturity and act to resolve this issue without taking the initiative to go to your regulator complaining about your failure in the protection of your clients Looking forward to hearing from you a positive response. \nCordially, XXXX of XX/XX/2022 XXXX XXXX XXXX XXXX : XXXX To : To : Bank of America XXXX XXXX XXXX XXXX, DE XXXX Object : Official request for a refund Sir/Madam My name is XXXX XXXX XXXX XXXX am writing to respond to your answer wherein the you declined to provide me with a refund after I was defrauded for {$5700.00} USD. \nI am now writing to appeal that decision. In refusing a refund, you justified your decision that you can not refund me the money that I lost, that you are done your best, but you have not been able to do so. \nI want to point your attention to your own Terms and Conditions that can be found by the link : Bank of America XXXX Online Banking | Service Agreement Based on the foregoing, I can safely say that I did not receive any goods and services promised to me at all. Also, I received absolutely no fraud protection from your organization, which makes me have a lot of questions about your company. Why do I, as a client of your bank, do not feel any difference when transferring funds to you, from transferring funds directly to scammers? At the same time, I am still obliged to pay for your services, which you undertake to perform, but in every possible way avoid this. \nI want to note that the bank is a party to the essential transaction because money came from my account in your bank and banks should have knowledge of the persons to whom I submit money which is a standard XXXX  procedure for any bank. \nI state that you didnt take a reasonable care regarding my transaction. It is clear that your Bank is supposed to provide security procedures regarding its clients accounts. But I didnt notice any protection from your side, I didnt receive any call from you, you didnt block my transactions and didnt question any of them. In my point of view a transaction to XXXX  exchange while it is not a part of my usual pattern of purchases definitely fits the description of suspicious transaction. \nIn this case, I am the customer, the transfers were made due to fraud and have been coerced by trickery. I couldn't have known in advance how this story would unfold for me since I was using your service. \nI have been a client of your bank and I always had the deepest trust in your bank, but now I feel that you are just trying to avoid your responsibility. At first, I got scammed by the fraudsters and now the bank where I trusted my funds is not willing to help me in this situation. I rely on your fair consideration of information provided in this letter. \nI want to stay your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without taking the initiative to go to your regulator. \nLooking forward to hearing from you a positive response. \nRegards, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-01-16T19:39:38.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"14609","tags":null,"has_narrative":true,"complaint_id":"6444649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-01-16T19:22:07.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["It is clear that your Bank is <em>supposed</em> to provide <em>security</em> procedures regarding its clients accounts. But I didnt notice any protection from your side, I didnt receive any call from you, you didnt block my transactions and didnt question any of them. In my point of view a transaction to XXXX  exchange while it is not a part of my usual pattern of purchases definitely fits the description of suspicious transaction."]},"sort":[6.83312,"6444649"]},{"_index":"complaint-public-v1","_id":"8726216","_score":6.828782,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I XXXX as XXXX number holder for XXXX XXXX, XXXX XXXX the account in question, I am writing to address the debt collection activities being pursued by World Omni Finacial Corp dba Southeast Toyota I request clarification on the following. \n\nA negotiable instrument was sent registered mail on XX/XX/XXXX to the office of structured finance at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. \nIn responding to this complaint let me know not only did XXXXld Omni Finacial Corp dba Southeast Toyota get my negotable instrument they also got my rescission letter to revoke any and all of my security interest within the contract that I may have given them knowing and unknowingly and the right to reposes. \nI never received a response from World Omni Financial dba Southeast Toyota as they stated until I filed this complaint which is a total disregard to me as a consumer and breach of contract. \nA failure to arbitrate or notify me is also a breach of contract and their fiduciary duty to the obligor. \nXXXX XXXX Failure to Arbitrate under agreement. \nI have looked over my contract I also stated that I had found numerous federal law violations taken where a finance charge was involved as well as Security and XXXX XXXX. Furthermore I entered into this contract with a financial asset which paid for the car. XXXX XXXX have willfully uninformed me of the disclosures. \nXXXX. Full XXXX of my rights to rescind. \nXXXX. Failed to let me know the contract was a financial asset. \nXXXX. Misrepresentation of the finance charge. \n\nUnder Truth In Lending ( TILA ) it is illegal for a car dealership to take Federal Reserve Notes ( cash ) where a finance charge is in existence. The amount finance charge was what the XXXX XXXX gave me to spend. Inadequate XXXX is XXXX of the main purposes for XXXX which is a federal law designed to protect consumers in their dealings with lenders and creditors. Incorrect Annual Percentage Rate calculations required lenders to disclose the XXXX of a loan this should not only include the interest rate but also other cost and fees associated with the loan. \nI ask that XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide me with a breakdown of fees including how they calculated what they claim I owe. \nXXXX. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. \nXXXX. Send me proof that the XXXX XXXX XXXX XXXX XXXX XXXX has the legal authority to enforce debt obligations of the United States on my behalf, as outlined in Title XXXX XXXX XXXX section XXXX regarding obligation or other security of the United States laws. Section XXXX XXXX of law XXXX. Provide me proof that you are licensed to collect debt in the state of Georgia. XXXX XXXX means XXXX XXXX XXXX XXXX, a Florida XXXX. \nXXXX. Send this information to my address listed XXXX XXXX XXXX XXXX, Georgia XXXX accept this letter as a formal debt validation request, which I am allowed under XXXX According to the Trust Agreement between World XXXX XXXX XXXX XXXX XXXX as Depositor, and XXXX XXXX XXXX XXXX XXXX XXXX Owner Trustee dated XX/XX/XXXX and the Indentured XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX as Account Bank XXXX XXXX XXXX XXXX Trust Indenture Act of XXXX Article XXXX the trust certificates, XXXX Registration of Transfer and exchange of trust certificates. XXXX Mutilated, Destroyed, Lost or stolen Trust Certificates XXXX Persons deemed Owners would be Me the creator which makes me the Bona-fide Purchaser. Section XXXX is Actions by Owner Trustee which is the trustee duty to me as an owner. Article XXXX Application of XXXX Funds ; Certain Duties; including methods of payments XXXX XXXX and reports to the certificate holders, the XXXX XXXX XXXX and others. The XXXX form and the XXXX form was supposed to be sent to me the obligor, beneficiary of the note per my wet signature and line of credit. I never reciprocated either but I sent them to the company according to their response. In waiting for my IRS audit I believe that XXXX XXXX is filing XXXX on my behalf According to this Indenture agreement and me being the obligor of the security in question. This Indenture, as dated XX/XX/XXXX ( this \" Indenture '' is among WORLD XXXX XXXX XXXX XXXX XXXX XXXX, a Delaware statutory XXXX ( \" the Issuing Entity '' ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX national banking XXXX XXXX XXXX Indenture Trustee XXXX XXXX \" Indenture Trustee '' ), and XXXX XXXX XXXX XXXX XXXX XXXX national banking XXXX XXXX XXXX account bank XXXX XXXX Account Bank XXXX XXXX. \nEach party agrees as follows for the benefit of the other party and for the equal and ratable benefit of the HOLDERS of the Issuing Entity 's Class XXXX 5.217 % assest-backed notes, XXXX XXXX ( the \" Class XXXX Notes '' ), XXXX 5.47 % asset-backed notes, XXXX XXXX ( the Class XXXX Notes '' ), Class XXXX Floating Rate Asset-backed, XXXX XXXX ( the \" Class XXXX notes '' and together with the Class XXXX Notes '' ), Class XXXX 5.07 % Assest-backed Notes, XXXX XXXX ( the \" Class XXXX Notes '' ), Class XXXX 5.04 % Assest-backed Notes, XXXX XXXX ( the \" Class XXXX Notes '' and together with the class XXXX Notes the Class XXXX Notes and the Class XXXX Notes, the Class A notes '' ), and the Class B 5.28 % assest backed Notes, XXXX XXXX ( the \" XXXX XXXX Notes '' and together with the Class A Notes, the Notes '' ) : Granting Clause according to the companies XXXX prospectous The issuing Entity, to secure the payment of principal of and interest on, and any other amounts owing in respect of, the Notes XXXX and ratably without prejudice, priority or distinction except as set forth herein, and to secure compliance with the provisions of this Indenture, hereby grants in trust to the Indenture Trustee on the closing date, as trustee for benefit of the NOTEHOLDERS, all of such person 's right, title and interest, whether now owned or hereafter aquired, in and to ( i ) the Trust Estate and ( ii ) all present and future claims, demands, causes and choses in action in respect of any or XXXX XXXX the forgoing and all payments on or under and all proceeds of every kind and nature whatsoever in respect of any or all forgoing, including all proceeds of the conversion, voluntary or involuntary, into cash or other liquid property, all cash proceeds, accounts, accounts receivable, notes, drafts, and acceptances, XXXX XXXX, checks, deposit accounts, insurance proceeds, condemnation awards, rights to payment of any and every kind and other forms of obligations and Receivables, instruments, securities, financial assests and other property that at any time constitute all or part of or are included in the proceeds of any of the forgoing ( collectively the \" Collateral '' ), in each case as such terms are defined herein. \nThe foregoing XXXX is made in trust to secure the payment of the principal of and interest on, and any other amounts owing in respect of, the XXXX equally and fatally without prejudice, priority or distinction, and to secure compliance with the provisions of this Indenture, all as provided in this Indenture. \nThe Indenture Trustee, as Trustee on behalf of the Noteholders, acknowledges the foregoing XXXX, accepts the trusts under this Indenture and agrees to perform its duties required in this Indenture in accordance with the provisions of this Indenture. \n\nA thorough investigation would have noted that XXXX XXXX XXXX XXXX XXXX XXXX, and The XXXX XXXX XXXX XXXX XXXX is where the XXXX is perfected in Delaware and it is on the Title of the car not the actual collateral when it is for personal, homes and goods. I request clarification on the legal and XXXX possession of the Notes and Agreements I signed with the aforementioned entities. I assert that the holder in due course must demonstrate authority to enforce the original agreement, and if the note and agreement are separated trust must be established. I declare myself as the original grantor and place my standing as benefactor. I would like to affirm that I am not avoiding any obligations and I would appreciate your organization prompt response to this inquiry or cease and desist from debt collection and XXXX out the account by merging any other memorandum accounts to settle the account.","date_sent_to_company":"2024-04-08T16:09:09.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"8726216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2024-04-08T13:52:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Company explaining amount owed"},"highlight":{"complaint_what_happened":["The XXXX form and the XXXX form was <em>supposed</em> to be sent to me the obligor, beneficiary of the note per my wet signature and line of credit. I never reciprocated either but I sent them to the company according to their response. In waiting for my IRS audit I believe that XXXX XXXX is filing XXXX on my behalf According to this Indenture agreement and me being the obligor of the <em>security</em> in question."]},"sort":[6.828782,"8726216"]},{"_index":"complaint-public-v1","_id":"3307066","_score":6.806008,"_source":{"product":"Debt collection","complaint_what_happened":"I received a phone call from XXXX ( XXXX ) XXXX at around XXXX eastern time on FridayXX/XX/XXXX. They left a voicemail, which I have retained. It appears to be a process service company, but when calling the number back I get either a voicemail for \" XXXX XXXX with the Process Service Dispatch Unit '' or I get a live person by the name of \" XXXX XXXX '' who has a similar voice. I have not been able to ascertain what the company 's actual name is. They left details in the voicemail stating that a process service attempt would occur between XXXX and XXXX on Monday XX/XX/XXXX at my residence and they gave the address of that residence in the voicemail. They also contacted my father and a family friend and left the same voicemail. \n\nThey also stated the phone number of the firm that was filing the action against me. This was given as XXXX and I was given a case number to reference. The voicemail stated that I or my attorney should call the given number as soon as possible. I called this number at around XXXX eastern time. It was answered as \" legal department '' and after giving my case number I was transferred to someone named \" XXXX XXXX ''. This person said I had a debt of {$1400.00} dating from XX/XX/XXXX in the form of a bank account with 5/3rd Bank that was closed due to being overdrawn. My last dealings with 5/3rd Bank were back in XX/XX/XXXX. XXXX said that I was going to be served with a summons, and that failure to appear would result in a summary judgement against me for the full amount plus court fees and the costs of representation. She stated that a lien could be placed on my property, my wages could be garnished, and that they could file a derogatory action against my credit report. At this point she offered an out of court settlement amount of {$960.00} that could be taken care of at any time up to and including close of business that day, which she gave as XXXX Pacific time, and she said \" after that there is nothing I can do to help you out ''. I asked for the firm information, and was told that she works for a law firm with the name of XXXX and XXXX, and that the address is XXXX XXXX XXXX, XXXX XXXX CA. XXXX. I had not received any written request for this debt prior to this, so I was not comfortable making payment without so kind of assurance that this was valid. I asked what my recourse was if I wished to dispute this and XXXX indicated that I would have to receive the summons and then essentially plead my case before the judge, but that I could still get back in touch with her before the close of business that day. I got off the line, made notes about the phone call, and went through my records. \n\nI have nothing on my end to indicate that this is a valid claim. I attempted twice that day to get back in touch with XXXX at the previous number, but had to leave a voice message both times. I said in my second message that I would be at my residence during the time frame indicated to receive the service of any summons. On Monday I tried to call the process server who initially called me to verify that they were coming by, but was told by them to contact XXXX and XXXX for any questions I had. So I called XXXX and XXXX again and left another message. I got a call back from XXXX from XXXX XXXX again. I asked her if she was still sending the process server and she said I would have to check with the process service company. I asked for written verification of this debt because I believe it is required by law, but she indicated that we were \" past that because it has been sent over to the process server and you are going to be taken to court ''. I stated that I still do not believe the claim is valid and that I would still like a copy of the verification of the debt for my records. She offered to send it to me by mail and email. I also indicated that I felt this would be thrown out as an invalid debt because of both its age and because I have not received any verification of this debt prior to this action being taken. She at that point became quite confrontational, telling me \" If I've got it all figured out I can tell the judge how to do his job and he'll just dismiss it ''. I was taken a bit aback and again mentioned that I do not feel this is being handled in accordance with standard debt collection practices, at which point she said \" This is not a debt collection company sir, this is a law firm ''. I am a bit confused how a firm who is \" not a debt collection company '' would be willing to offer to collect a settlement amount from me in the first place. She ended the call before I could give her my email address, which is one of the few things they didn't say they knew about me. \n\nI did a bit of digging and I can not find a XXXX and XXXX law firm in XXXX XXXX through any web search. I also tried digging into the California and Florida Department of State websites looking for law firms with that name. The address given is a large office building with many law offices that I could find, but I was not given a suite number by XXXX XXXX when we spoke. I also tried to search my own name in both my county and other jurisdictions to see if there are any pending court cases that have been filed, and could find none as of this writing. \n\nI waited at my residence the full day, 7 feet from the front door, and no process server came during the entire XXXX to XXXX window they mentioned. I have tried to call back both the number I originally received the process service notification phone call from and XXXX at XXXX and XXXX, but I have not received any response and we are now an hour outside the window they mentioned. I have lost a work day due to this threat of litigation. Either the threat was empty and therefore not in keeping with the law, or they are attempting to circumvent actual service and get me trapped with a summary judgement when I don't appear to a court date that I was never made aware of. \n\nI am strongly considering getting a lawyer to assist with this, but seeing as I can not find any information on these firms, I am starting to believe they are completely fictitious names and I won't be able to hold them accountable. What's most worrisome is that these people had detailed information about me. They read back my current and previous addresses, my social security number, my drivers license and date of birth all without me giving them any of that information. They know more about me that I may ever know about them and that is unsettling. \n\nIf this debt is legitimate, I would be more than willing to deal with it. However, I have not been supplied with anything that indicates to me that it is valid before being faced with a phone conversation that essentially says \" pay now or we'll see you in court, and by the way you have just a few hours to decide which way it's going to go ''. It is even more stressfull because even if I was inclined to pay after my initial conversation with her, I was unable to get back in touch despite multiple calls and two voicemails. The deadline passed and I have no further recourse. I still have not received any summons, nor have I received any written verification of this supposed debt.","date_sent_to_company":"2019-07-15T20:34:22.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"32750","tags":null,"has_narrative":true,"complaint_id":"3307066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2019-07-15T20:34:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I still have not received any summons, nor have I received any written verification of this <em>supposed</em> debt."]},"sort":[6.806008,"3307066"]},{"_index":"complaint-public-v1","_id":"2860640","_score":6.739604,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is regarding the hardship paperwork process After several follow up calls that documents were received and completed, we were requested to provide additional information and documents. Part of these documents requested was information regarding the receipt of Social Security ( SS ) benefits. As explained and noted on our file we are not receiving SS benefits and as such were instructed to provide a letter signed and dated by both borrower to this affect. I have on XX/XX/XXXX submitted the signed and dated letter confirming we are not receiving SS benefits. \nAfter another follow up with their customer support reps we were informed to revise our income statement to remove the SS information to move the process along as well as additional banking statements etc. \n\nOn XX/XX/XXXX we completed and submitted via fax all remaining and requested documents which included an updated income form removing SS benefits incorrectly listed. \n\nOn XX/XX/XXXX after not receiving notice of any kind include written that we needed to provide additional information I called and spoke with a female customer support rep who instructed that they were still waiting for the singed letter confirming no SS benefits were being received. I informed her at this time that was faxed on XX/XX/XXXX and the revised income form was sent via fax on XX/XX/XXXX. She confirmed these documents were received and informed me that loss mitigation did not update their system to reflect the received documents. She stated she would email and get the issue corrected to move our file to under writing. \n\nOn XX/XX/XXXX I called again because again I had received no notifications of any kind that our file had been sent to the underwriters. I reached the rep XXXX ID # XXXX who stated again that they were waiting for the confirmation letter signed and dated by both borrower regarding the SS benefits. Again I instructed him I have already taken care of this and that they had the required documents as previously discussed on XX/XX/XXXX with the prior rep. \nI asked why this had not been processed and what I needed to do to get this fixed as our deadline of XX/XX/XXXX was fast approaching. He stated he would escalate the issue to the loss mitigation team personally and get this corrected and would call me back the following day to update me. \nOn XX/XX/XXXX I received the call back from XXXX ID # XXXX to be told that the loss mitigation department is requiring the letter confirming we are not receiving the SS benefits be submitted. Again I state that was done and he confirmed he had the document in their system, but that was what he was being told by loss mitigation. I requested clarification as to why I have to resubmit a document already in their system, XXXX became annoyed and said thats just what they are requesting and thats what they are telling me. I asked to speak with a supervisor and received push back before being transferred to a random persons voice mail. I left a message and still have not received a call back as of this complaint date of XX/XX/XXXX. \n\nI immediately began the long process of calling them back and after 20 minutes was able to speak with rep XXXX ID # XXXX. After going again through the entire issues he instructed me he would again escalate the issue and notify the loss mitigation team that the documents were received and they needed to update the system and process to under writing. This is now 2 weeks beyond their 5-7 business day processing time frame that this was supposed to be done by and 3 reps in who stated they would escalate the issue and resolve. To confirm this would be done I requested to speak with a supervisor, again received push back and again insisted I speak with them. I was able to speak with a XXXX XXXX who stated she was part of the management team and after again explaining the issues and my concerns was told she would include the loss mitigation management team to the email notification. After requesting a call back she stated they dont do that. Even though XXXX was able to do so I just let that go and stated I would be calling the next day to verify this has been done. \n\nBefore I could call the following day I received a collection call from AmeriHomes made by rep. XXXX ID # XXXX who informed me that even though we have not yet defaulted on our loan we had been placed on a collections call list with AmeriHome Mortgage. \nI did not let him off the phone instead took this opportunity to confirm that the notes had been added to my file as XXXX XXXX stated and that my issues were sent to management as stated as well. He informed me that loss mitigation has not updated my file as required and that they did not see an email to the management team. After a long conversation XXXX XXXX stated he had included his manager XXXX XXXX to the situation and that he would meet with the loss mitigation managers XXXX XXXX and XXXX XXXX XXXX ( XXXX, not sure on this name ) and that someone would be calling me back to address and correct ASAP. \n\nCome XXXX Arizona time on XX/XX/XXXX no call back so I called again to verify what is happening with our file. I spoke with rep XXXX XXXX ID # XXXX and was again instructed they were waiting for documents already received and that the system had not been updated and saw no notes from XXXX XXXX or other management team members. She immediately got a supervisor involved a XXXX XXXX who promised to speak with XXXX XXXX and the management team of loss mitigation and would call me back ASAP same day. No call back nothing as of XX/XX/XXXX. \n\nWe are now 3 weeks behind on getting our hardship request to the underwriter who has 30 days to process the request and approve or deny and this is because the loss mitigation department has failed to hold to their 5-7 day requirement and promise to customer to review and update the file. Not to mention the fact we are receiving collection calls for a debt we have not defaulted on as of today.","date_sent_to_company":"2018-03-31T19:54:42.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"85331","tags":null,"has_narrative":true,"complaint_id":"2860640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriHome Mortgage Company, LLC","date_received":"2018-03-31T19:02:54.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After going again through the entire issues he instructed me he would again escalate the issue and notify the loss mitigation team that the documents were received and they needed to update the system and process to under <em>writing</em>. This is now 2 weeks beyond their 5-7 business day processing time frame that this was <em>supposed</em> to be done by and 3 reps in who stated they would escalate the issue and resolve."]},"sort":[6.739604,"2860640"]},{"_index":"complaint-public-v1","_id":"3302289","_score":6.571211,"_source":{"product":"Debt collection","complaint_what_happened":"I obtained a free annual credit report for XXXX XXXX and XXXX. Much to my chagrin I saw accounts that I do not own, name variations, social security number variations and many other items that I quickly disputed over a month ago through the proper channels via US certified mail. I have my receipts. Among the disputed items was the company XXXX XXXX XXXX, address PO BOX XXXX XXXX, SC XXXX, phone number XXXX, account number XXXX. This was listed on all of my credit reports showing a false debt in the amount of {$810.00}, with an alleged or supposed date of first delinquency on XX/XX/XXXX. This was and is horrifying to me because I am not their customer nor am I a customer of any affiliates. XXXX XXXX never mailed me, never emailed me and never called me about any account or accounts with them or any other creditor. Their fraudulent information just appeared on my credit reports. They did not comply with me or with the credit bureaus within 30 days to validate the debt. Since they did not respond to my dispute I called them to inquire and possibly dispute by phone. They said it was a Capital One account that was delinquent since XX/XX/XXXX and asked would I be scheduling a payment. XX/XX/XXXX is beyond the statue of limitations. I explained that the account did not belong to me and that I needed to speak with Capital One to find out what was going on. When I asked for the name and badge number of the XXXX rep I was speaking with she changed her story and gave a different account number XXXX, different dates and false addresses and insisted that I give her my mailing address and social security number. That was alarming so I ended the conversation with XXXX  and called Capital One and asked them if I had or have an account in my name. They said if I did it could be found a few different ways and when none of the options turned up an account in my name they asked me to verify my social. I was hesitant, but I was under pressure to get this resolved with XXXX. When I gave Capital One my social they discovered 2 accounts for me, which added to my anxiety. They asked if I had any idea who would do something like this and I could not hold it in anymore. I broke down crying on the phone and shared some of the worst things I have ever experienced in my life with a stranger. The Capital One Rep said she was sorry to cause me to relive the trauma, but that she was working to have both accounts removed from all three credit bureaus and needed a good mailing address and phone number to reach me and if they needed anything else from me I could fax it to XXXX. The other account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX account number CAPIT-XXXX in the amount of {$1900.00}. I have been very depressed over this because it is difficult to try to have a normal life after years of living in fear that my attackers who made my life a living XXXX may find me! I decided to check my credit reports online yesterday XX/XX/XXXX and XXXX XXXX XXXX was removed from XXXX and XXXX so apparently Capital One kept their word to have these fraudulent accounts removed from the credit bureaus in my name. I called XXXX again on yesterday XX/XX/XXXX to update them and they took me through a frightening series of unscrupulous business practices trying to pry my social security number from me, seeking to collect a debt that is not mine. They know it is not mine even after I explained to them that Capital One assured me that they would have the items removed from all credit reports as soon as possible because they verified that none of the addresses or phone numbers or email addresses used to open the accounts belonged to me ... Capital One said they could see that even the home address listed a PO Box ... Capital One asked did I know how this could have happened or who could have done this to me ... I explained to them that I am a victim of violent crime associated with gang violence. My personal information was compromised when they stole my IDs and opened accounts in my name. I am the victim in this circumstance and yet XXXX threatens to sue me and completely disregarded the fact that Capital One already acknowledged that the information on file does not match anything associated with me ... I need help to get XXXX to cooperate. They know I reached out to them almost 2 months ago with the dispute and so has the credit bureaus. XXXX needs to be removed from my credit reports and be held accountable for insubordination, non-compliance and corrupt procedures. Please help me! Concerning the statute of limitations, their representative claimed that the debt dates back to XXXX and I noticed how they refused to give her name and badge number as well and did not comment on the fact that-that was withheld from me. They also failed to acknowledge that I called them in XX/XX/XXXX when I first saw fraudulent activity related to this account on my credit reports. \n\nThey show a lack of compassion. They show greed by any means necessary ... the strong desire to collect a debt that is not mine and a desire to make me go in circles ... a stunt to keep this on my credit reports. \n\nThey act as if XXXX did not conduct a thorough investigation, as if XXXX did not contact them stating that the debt is fraud and the result of identity theft and therefore XXXX removed it from my credit report, along with other related items! XXXX  removed XXXX XXXX from my credit report within the past few weeks the report was refreshed ... \n\nXXXX XXXX claims that this is the first time they received anything from me in writing on XX/XX/XXXX yet they acknowledged receiving correspondence from the credit bureaus in writing FROM ME ... they failed to mention that they received this information in early XX/XX/XXXX. \n\nCapital One acknowledged that the account does not belong to me ... there were 3 accounts on my XXXX   credit report related to Capital One and one was in good standing though it was not mine! Capital One acknowledges that they are not my accounts ... I noticed thaXXXX XXXX XXXX also failed to admit this and that ALL of the contact information linked with the account does not match any information linked to me. This is conveniently evasive of XXXX XXXX. They are transparent. \n\nDoes it make sense that this is the first time that they have been contacted by me XX/XX/XXXX? Perhaps that is a typo and they meant to say XX/XX/XXXX or XX/XX/XXXX ... maybe it is an oversight. Otherwise, it is gross negligence on their part. \n\nI need your help to resolve this. \n\nNow to make matters worse Capital One is not properly communicating within their various departments to help resolve this completely. XXXX was taken care of properly but not XXXX XXXX XXXX my credit report from XXXX in XX/XX/XXXX shows 3 accounts for Capital One. Two were collection accounts and one was showing good standing pays on time. I disputed all 3 and 2 out of three were removed. The problem is Capital One listed the same fraud debt twice. I have a copy- as if trying to double dip or collect twice on a fraud debt. This is illegal. They already acknowledged that the accounts were fraud to me and to XXXX and removed the one in alleged good standing that said pays on time but left the one they sold for the same debt to XXXX XXXX XXXX and now both harass me and worst of all Capital One changed the address associated with the dispute to the address linked with the account. I confronted them because they and the credit bureaus said the address on file listed a PO BOX as the residence so the accounts should have never been approved. Either they are deceitful and took advantage of my information used when disputing and switched it in their system or this is a nasty oversight. They are caught because when I disputed with XXXX  Capital One sent alleged information about the account to my parents house and all of the addresses are a PO BOX listed as residence and none of the information matches any address, email or phone number of mine. Either way I need them to remove this from my credit reports with all 4 credit bureaus and never attempt to collect again.","date_sent_to_company":"2019-07-10T22:15:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"891XX","tags":null,"has_narrative":true,"complaint_id":"3302289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-10T21:41:11.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["They asked if I had any idea who would do something like this and I could not <em>hold</em> it in anymore. I broke down crying on the phone and shared some of the worst things I have ever experienced in my life with a stranger."]},"sort":[6.571211,"3302289"]},{"_index":"complaint-public-v1","_id":"6936515","_score":6.2616563,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On Wednesday, XX/XX/2023 I reached out to my credit card company, Discover, to explain that my financial and personal information was compromised. \nLeading up to that day of realizing that my information was taken, I had just recently discovered that the girl claiming to have feelings for me and being my girlfriend was part of a \" Pig Butchering ' scam. She had sent me a screenshot of her pristine credit report and told me a lot about her job with trading cryptocurrency when we would XXXX. That is why I believed it because we would XXXX and chat on XXXX. I never sent her money but she was able to gain screenshots of sensitive information when I signed up for her financial website and it was actually a cloaking site so that she could grab my information. I didn't know if it was from this online dating encounter or from something else like the XXXX app that asked for remote access to my phone during the process. I still don't know where the identity theft came from I just knew that I was dealing with fraudulent charges on both my bank account and my Discover account. \nWhat I did know is that both my XXXX XXXX information and my Discover card started receiving fraudulent charges in early XXXX and I called to report this to Discover for the first time on XX/XX/2023 or if it wasn't that day it was definitely before the charges that I will eventually bring to light ( XX/XX/2023 ) I explained to Discover that my information had seriously been compromised to the point where I was opening a whole new bank account at XXXX and I wanted to close my account with Discover. Discover assured me that my security would be protected. They convinced me to keep my account and said that they would send me a new card in the mail. In the meantime, they told me to hold on to the Discover card that I had. They said with the Discover card I had I would be able to make purchases at physical locations, but that they would restrict all internet/online purchases. I was satisfied enough with this resolution because they told me the card would be in three days. \nFast forward Monday, XX/XX/2023. I still had not received my new Discover card in the mail, so I used Discover card that they told me to keep to buy some candy at a gas station that morning. After the purchase I had some time to kill and I was just checking my online account to see what my balance was and to inquire about why I had not received my new card yet. I was still unable to make internet purchases with my card that I had because of the restriction that I put on for security purposes. When I logged on to my Discover online account I was shocked to see that Discover had charged me XXXX dollars in online purchases to a place I had never used my Discover card in my life XXXX XXXX XXXX  These charges went through to an online gambling site on XX/XX/XXXX in XX/XX/2023 at like XXXX or XXXX in the morning. \nI was shocked and I called Discover right away to report the fraud. I explained to them that I had been with my baby daughter all week and all weekend because I get her split custody. I had no idea what these charges were or how it was possible that they would allow this much to be charged when I had reported a security threat just a week before. \nI reported XXXX dollars ( seven charges of XXXX each ) as fraud and reminded Discover that there was supposed to be an online restriction on my account. I asked them how these charges were possible when there's an online restriction and I haven't even received my new credit card yet. They did not have answers, but were very understanding of the fraud and reimbursed me for all the charges. \nAfter the reimbursement I was able to establish a brand new bank account at XXXX and I was finally able to get a new credit card from Discover. \nHere is where the problem starts. Discover called me Friday, XX/XX/2023 to let me know that they had reversed their decision of fraud after investigation. They said that their reasons for reversing it were because I never reported my driver 's license as missing and the online site that charged the purchases was able to obtain my driver 's license photo. They also said that because I had a previous fraud problem that they were reversing it. They also said that the charge had been verified through my email at close to XXXX XXXX. on XX/XX/2023. Those were their three reasons, which in my opinion have nothing to do with the problem of the fraud itself. \nThey asked me if I wanted to present any new information and have them re-review. I said yes and I reiterated everything that I explained when I first called and reported the fraud two months prior. I explained to them that there is no possible way that I could have ever of made these charges because I never received my new credit card and the credit card I did have was restricted for online purchases because I was having an identity theft crisis with my information and I needed all new financial stuff. I explained to them that my driver 's license could have easily been obtained through the screenshots that I had originally told them about. I explained to them that my email had been compromised and they already knew that. So if something got approved over email it could have easily been manipulated by someone else. I asked them what credit card was used for these purchases because it's no way it's the one I physically had because of the online restriction. They had no explanation for this. \nAnytime that I have ever activated a credit card there or for MasterCard, I have had to be voice activated, especially when I had a security concern already on my account. They told me that there was no voice activation to clarify who activated the card, that some cards can be activated with a dial feature. I told them that that is not true because the credit card I have now I had to voice activate and if you really can dial activate why would they allow that if I had a security concern on my account. Why wouldn't they demand to talk to me in person before that card was activated that was used for the {$7000.00} purchases. They had no answer for any of that. \nThere was a security alarm on my account and Discover allowed XXXX of purchases to take place through email verification. I gave them plenty of warning that my account was under attack and they allowed XXXX in the middle of the night when I'm with my daughter asleep and I wake up to it on Monday morning to see that my account have been charged all that money. They still have not given me an answer on what exactly happened and what card was used and how it was activated and how it was verified. That is my proof that none of this is me and they won't acknowledge that. I did not activate or verify the card that was used to make {$7000.00} of purchases. \nAnytime I've ever had to verify a purchase I've had to call into the credit card company and speak to somebody, they said that never happened. Whoever verified it did it through email at XXXX in the XXXX on a Saturday when I'm with my daughter and it didn't even require voice confirmation even though my account was red flagged for the fraud I had reported a week prior. \nYou are welcome to cross reference all of this with Discover because I have told them all this and I do not understand why they are doing this. \nI have always paid my Discover card in full. I never even knew that you could use Discover card for online gambling until these charges took place. I have never had a problem paying my Discover bill and I have never come close to spending that much of my credit card limit. I have never spent over {$4000.00} in a month at Discover but they allow {$7000.00} of charges and one night on an account that had a security red flag on it. My credit score will back all that up. \n\nThese charges were completely random and not in line with anything that I have ever bought before and I have never spent that much money before. I have been with Discover over 10 years and never had a problem like this. \n\nHere 's the action I have taken so far. I reached out to a lawyer and got counsel. Based on the path he laid out for me these are my plans of action. Outside of reporting this to CFPB, I have also written this report to the Federal Trade Commission. I have paid my Discover balance all the way down to where {$7000.00} is left, the exact amount that is in dispute. That {$7000.00} is going to come due and I am not paying it. These are not my charges, these are fraudulent charges and I was not protected when I did everything I could to let Discover know that my information was under attack. I am happy to give more information. However, I know what's going to happen. Discover will be asking for XXXX dollar payment at the end of XXXX and start charging 25 % interest on that XXXX. If that is their plan then I will be writing them a letter of my intention to close my account and not pay the outstanding charge because it is not my debt. It is fraudulent and I reported it as such and I am protected under the XXXX Credit Billing Act for a maximum liability of XXXX XXXX XXXX am willing to pay that to Discover, the {$50.00} if that's what they want. I will not pay {$7000.00}. I still don't know how this got approved, how a card I never received got activated and used for {$7000.00} when I never charged my card like that. I wanted to get ahead of this so that Discover stops taking advantage of me because they're just going to hit me with that interest to try to put pressure on me to pay for something that is not my charge. Plus like they said I can keep presenting new information but it's just a never-ending process if they deny the fraud and I keep having them reinvestigate it then the interest will continue to build on the {$7000.00}. At this point they are leaving me no choice. I plan on closing the account with the {$7000.00} left on if they don't remove it. Upon a closing the account I will not pay the {$7000.00} and if they want to send it to collections I will let it go to court if they want to sue me because I know these are not my charges. I also know that I am protected from fraud and I will fight for those rights. I have the money to pay the {$7000.00} off right now, I could make this problem go away by just paying it. That is wrong though. I was with my daughter when this fraud took place, she is just a baby and needs this money. As a consumer I did everything I could to let Discover know that my information was compromised and they let these absurd charges happen. The reasons they are giving for justifying their decision to reverse the fraud are nothing to do with the fraud itself. I am willing to go to court to fight for all this, to fight for the truth. Please reach out to Discover and let them know that if they don't remove the {$7000.00} from my account before the first interest payment hits then I will be closing my account with no intention on ever paying the fraudulent charges. I will fight this in court if they want to sue. I know the truth and I will stand by it. \nThe best resolution would be to honor the fact that they did not secure my account. XXXX has already honored it. I always pay my Discover XXXX and I plan on continuing to do that for the purchases I make. I will not pay for thesecurity breaches of my creditors when I did everything in my power to preemptively stop it and to report it as soon as I discovered it.","date_sent_to_company":"2023-05-07T12:21:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"43050","tags":null,"has_narrative":true,"complaint_id":"6936515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-05-07T11:01:22.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I had no idea what these charges were or how it was possible that they would allow this much to be charged when I had reported a <em>security</em> threat just a week before. \nI reported XXXX dollars ( seven charges of XXXX each ) as fraud and reminded Discover that there was <em>supposed</em> to be an online restriction on my account. I asked them how these charges were possible when there's an online restriction and I haven't even received my new credit card yet."]},"sort":[6.2616563,"6936515"]},{"_index":"complaint-public-v1","_id":"9693547","_score":6.157947,"_source":{"product":"Credit card","complaint_what_happened":"I am an XXXX and XXXX in this company. I am a living XXXX of legal age and XXXX of this account. I have given more than XXXX notices. Any and all forms of your power of attorney have been removed. This account is supposed to be in billing error status. Several notices have been sent to your office and indentured trustee at XXXX XXXX. You have received XXXX from myself and the IRS. Instead of honoring the billing error status and honoring the request that funds owed to the noteholder are returned, you instead took actions to close the account and suspend spending abilities. Thats considered adverse action and is unlawful. \nSeveral registered securities ( negotiable instruments ) have been sent to the indenture trustee and your office. Those securities were kept and not returned. However, my account was not credited. Thats considered mail fraud, security fraud, theft, and unjust enrichment and shall be reported to the proper authorities if I do not receive remedy immediately. \n\nYou're getting money from the treasury through your clearinghouse using my name and social security number then pretending like you gave me a loan or credit when in reality I gave you a loan or credit. \n\nSecuritization Of Accounts & Security Violations I know that you are trading my account via the security exchange through your XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. I know that you have securitized and transferred my contract and application to and through your Trust and paying agents. I will hold everyone who has sold or received the notes/securities accountable. My contract and application are considered securities that youre selling. As a certificate holder or noteholder, I'm demanding an asset representation review. I want the allonge for every transaction involving the selling of my securities. \n\nYour XXXX and prospectus filed with the XXXX states that youre supposed to cancel out all debt for the prior year. Youre supposed to credit my account for any balance in excess of {$1.00} according to XXXX XXXX XXXX. Youre supposed to transfer it to my bank account every month via the Electronic Funds Transfer Act. You're supposed to settle out my balance at the end of every month. That the statement that I receive monthly is for a dividend. \nWith that being said, no consideration was given to me and you just assumed that everything was a gift. I am the only one not being paid in this transaction. Even after I brought it to your attention that I wanted my funds back and wanted to receive my payments as written in your documents, you continued to steal from me. Thats unjust enrichment, racketeering, and the fact that youre doing it to so many customers, its considered organized crime. It's also tax evasion since I know you haven't reported any of your earnings on my old securities or the new ones you received recently to the IRS. \n\nYou were recently fined {>= $1,000,000} by the OCC and I understand why. Banks like you don't deserve to be in business and interact with customers the way that you're stealing from us. It's one thing for someone to be oblivious and not care, but if someone is conscious and brings it to your attention it should be addressed and that person should be given what they ask for because it rightfully belongs to them. \n\nXXXX XXXX XXXX The primary assets of the trust are receivables in designated consumer American Express revolving credit card accounts and receivables generated with the use of revolving credit features associated with certain other American Express credit card accounts and, in the future, may include other charge or credit accounts or features or products. The receivables consist of principal receivables and finance charge receivables. \n\nThird Amended and Indenture Exhibit 4.5 Section 4.07 Payment of Interest ; Interest Rights Preserved ; Withholding Taxes. ( a ) Unless otherwise provided with respect to such Note pursuant to Section 4.01, interest payable on any Registered Note will be paid to the Person in whose name that Note ( or one or more Predecessor Notes ) is registered at the close of business on the most recent Record Date and interest payable on any Bearer Note will be paid to the bearer of that Note ( or the applicable coupon ). \n\nSection 4.08 Persons Deemed Owners. Title to any Bearer Note, including any coupons appertaining thereto, shall pass by delivery. The Issuer, the Indenture Trustee, the Owner Trustee, a Beneficiary and any agent of the Issuer, the Indenture Trustee, the Owner Trustee, or a Beneficiary may treat the Person who is proved to be the owner of such Note pursuant to subsection 1.04 ( c ) as the owner of such Note for the purpose of receiving payment of principal of and ( subject to Section 4.07 ) interest on such Note and for all other purposes whatsoever, whether or not such Note be overdue, and none of the Issuer, the Indenture Trustee, the Owner Trustee, or any agent of the Issuer, the Indenture Trustee, the Owner Trustee, or any Beneficiary will be affected by notice to the contrary. \n\n11.01 Payment of Principal and Interest. With respect to each Series, Class or Tranche of Notes, the Issuer will duly and punctually pay the principal of and interest on such Notes in accordance with their terms, this Indenture and any related Indenture Supplement, and will duly comply with all the other terms, agreements and conditions contained in, or made in this Indenture and any related Indenture Supplement for the benefit of, the Notes of such Series, Class or Tranche. The payment of principal and interest on each Series, Class or Tranche of Notes will be primarily based on the performance of the Receivables and, except for interest rate or currency mismatches, will not be contingent on market or credit events that are independent of the Receivables.\n\nSection 11.03 Money for Note Payments to be Held in Trust. The Paying Agent, on behalf of the Indenture Trustee, will make distributions to Noteholders from the Collection Account or other applicable Issuer Account pursuant to the provisions of any Indenture Supplement and will report the amounts of such distributions to the Indenture Trustee. Any Paying Agent will have the revocable power to withdraw funds from the Collection Account or other applicable Issuer Account for the purpose of making the distributions referred to above.\n\nThe Issuer will cause each Paying Agent ( other than the Indenture Trustee ) for any Series, Class or Tranche of Notes to execute and deliver to the Indenture Trustee an instrument in which such Paying Agent will agree with the Indenture Trustee ( and if the Indenture Trustee acts as Paying Agent, it so agrees ), subject to the provisions of this Section 11.03, that such Paying Agent will : ( a ) hold all sums held by it for the payment of principal of or interest on Notes of such Series, Class or Tranche in trust for the benefit of the Persons entitled thereto until such sums will be paid to such Persons or otherwise disposed of as herein provided ; ( b ) if such Paying Agent is not the Indenture Trustee, give the Indenture Trustee notice of any default by the Issuer ( or any other obligor upon the Notes of such Series, Class or Tranche ) in the making of any such payment of principal or interest on the Notes of such Series, Class or Tranche ; ( e ) comply with all requirements of the Internal Revenue Code or any other applicable tax law with respect to the withholding from any payments made by it on any Notes of any applicable withholding taxes imposed thereon and with respect to any applicable reporting requirements in connection therewith. \nThe Issuer may at any time, for the purpose of obtaining the satisfaction and discharge of this Indenture with respect to any Series, Class or Tranche of Notes or for any other purpose, pay, or by an Officers Certificate direct any Paying Agent to pay, to the Indenture Trustee all sums held in trust by the Issuer or such Paying Agent in respect of each and every Series, Class or Tranche of Notes as to which it seeks to discharge this Indenture or, if for any other purpose, all sums so held in trust by the Issuer in respect of all Notes, such sums to be held by the Indenture Trustee upon the same trusts as those upon which such sums were held by the Issuer or such Paying Agent ; and, upon such payment by any Paying Agent to the Indenture Trustee, such Paying Agent will be released from all further liability with respect to such money. \n\nAny money deposited with the Indenture Trustee or any Paying Agent, or then held by the Issuer, in trust for the payment of the principal of or interest on any Note of any Series, Class or Tranche and remaining unclaimed for XXXX years after such principal or interest has become due and payable will be paid to the Issuer upon request in an Officers Certificate, or ( if then held by the Issuer ) will be discharged from such trust ; and the Holder of such Note will thereafter, as an unsecured general creditor, look only to the Issuer for payment thereof, and all liability of the Indenture Trustee or such Paying Agent with respect to such trust money, and all liability of the Issuer as trustee thereof, will thereupon cease. The Indenture Trustee or such Paying Agent, before being required to make any such repayment, may at the expense of the Issuer give to the Holders of the Notes as to which the money to be repaid was held in trust, as provided in Section 1.06, a notice that such funds remain unclaimed and that, after a date specified in the notice, which will not be less than 30 days from the date on which the notice was first mailed or published to the Holders of the Notes as to which the money to be repaid was held in trust, any unclaimed balance of such funds then remaining will be paid to the Issuer free of the trust formerly impressed upon it. \n\nUCC Violations I have sent you several signed securities pursuant to UCC Article 3 in which you have not credited to my account nor returned the securities ( instruments ). According to the Federal Reserve Act Section 29, you are in violation and I am owed Civil Money Penalties. I have all the receipts from where I sent you securities via registered mail. My next step is to report those securities stolen to the Postmaster, UPU, Comp Controller, FTC, and the SEC. \n\nOpting Out I'm opting out of all negative reporting until further notice. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. Effective Immediately.\n\n12 CFR 1026.11 ( 15 usc 1666 a, b, c, d ) - Treatment of credit balances ; account termination. \n( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than XXXX months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. \n( b ) Account termination. \n( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. \n( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. \n( c ) Timely settlement of estate debts ( 1 ) General rule. \n( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. \n( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. \n( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.\n\n( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.\n\n( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).\n\n( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.\n\n12 CFR 1026.13 - Billing error resolution.\n\n( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.\n\n( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.\n\n( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.\n\n( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.\n\n( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.\n\n( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.\n\n( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.\n\n( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.\n\n( c ) Time for resolution ; general procedures.\n\n( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.\n\n( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.\n\n( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.\n\n( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.\n\n( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.\n\n( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.\n\n( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.\n\n( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.\n\n( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.\n\n( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.\n\n16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nIn connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before November 1, 1977 from requirements of 433.2 ( a ).\n\n( a ) Any seller who has taken or received an open end consumer credit contract before November 1, 1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.\n\n( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1.\n\n( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.\n\n( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.\n\n( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract.","date_sent_to_company":"2024-08-02T16:07:59.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"9693547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-08-02T15:24:16.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I will <em>hold</em> everyone who has sold or received the notes/<em>securities</em> accountable. My contract and application are considered <em>securities</em> that youre selling. As a certificate holder or noteholder, I'm demanding an asset representation review. I want the allonge for every transaction involving the selling of my <em>securities</em>. \n\nYour XXXX and prospectus filed with the XXXX states that youre <em>supposed</em> to cancel out all debt for the prior year."]},"sort":[6.157947,"9693547"]},{"_index":"complaint-public-v1","_id":"2864883","_score":6.138468,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Sir or Madam, I am writing you to file a grievance of Discovers mishandling of my checking accounts in an attempt to resolve suspected fraud. \n\nOn XX/XX/XXXX, I received an email that my debit card PIN had been reset. I logged-in to my online banking to notice that someone had withdrawn {$400.00} from an ATM in XXXX, NE. I immediately called Discover and alerted their fraud department. ( enclosure DFS PIN Reset Confirmation ) I was told that a debit freeze would be placed on my account that would prevent further money from being taken out of my account. I was told that I could not open a new checking account and transfer my frozen funds until pending transactions had cleared. During this time Discover rejected an attempted debit for a XXXX credit card payment. ( enclosure XXXX Returned Pmt ) On XX/XX/XXXX, I called Discover again to check on the status of the pending transactions. A new checking account was opened, and funds were transferred from account ending in XXXX to the new account ending in XXXX. I was also told that a replacement debit card would be expedited, and new checks would be printed and mailed. It is my understanding that after transferring the funds, the agent was supposed to reinstate the security freeze on my old account. She failed to do so. \n\nOn XX/XX/XXXX I called Discover again because I had not yet received my new debit card. I was told that a debit card was never ordered, but the agent placed the order while they had me on the phone. In short, the agent I spoke to on XX/XX/XXXX made a mistake. \n\nOn XX/XX/XXXX I called Discover because a small positive balance remained on my old account ending in XXXX, and I wanted the funds transferred to my new account ending in XXXX. I was told that a pending transaction in the amount to {$1900.00} ( my monthly rent payment ) was in process and so funds could not be transferred. It was reasonable for me to think this transaction would be rejected ( because the attached XXXX transaction had rejected ) I contacted my landlord and let them know the issue. I also authorized my landlord to debit my new checking account in the amount of {$1900.00} to cover XX/XX/XXXX rent payment. I was attempting to avoid having a late fee assessed on my rent. Late fees are assessed after the 3rd day of the month. \n\nThat evening I received an email a little after XXXX XXXX alerting me that I needed to deposit funds into my old account ( ending in XXXX ) by XXXX XXXX in order to cover a deficiency balance, otherwise a NSF charge would be assessed. ( enclosure DFS NSF Email ) Note : The email was sent at XXXX XXXX, but according to the email, I needed to provide funds 10 hours prior in order to avoid a fee. This seems unfair. I can do a lot of things, but I can not travel backwards through time. \n\nI immediately called Discover and alerted them to the issue. I asked two questions. 1 ) Why is a transaction pending on my old account? It was my understanding that a debit freeze was implemented. and 2 ) Will I be charged an NSF fee? \n\nI was told by the agent not to worry that the transaction would be rejected, and the agent made a note to check my account the following day when she arrived at work so she could reimburse the fee if needed. She also admitted that the security debit freeze was not re-added to my old account after the previous agent had shifted funds from my old account to my new account. I appreciated the agents helpfulness and honesty, but in short, the agent I spoke to on XX/XX/XXXX made a mistake. \n\nAfter we addressed that issue I asked the agent if my checks were on their way. I was told by the agent that checks were never ordered, but she placed the order while I was on the phone. In short, the agent I spoke to on XX/XX/XXXX made a mistake. \n\nAround XXXX XXXX that same evening, I checked my account balance in my new account and was SHOCKED to learn that {$1900.00} had been moved from my new account ( ending in XXXX ) to my old account ( ending in XXXX ) in order to cover the deficiency balance. \n\nI immediately called Discover again and protested the charge. I asked them to stop payment. I was told that nothing could be done, and that I should attempt to call the fraud department the following morning. \n\nThe morning of XX/XX/XXXX, I called Discovers fraud department and asked them to fix their mistake regarding erroneously lifting the debit freeze on my old account. I was told the Fraud department couldnt do it, and that I should talk to Customer Service. I was transferred. Customer Service told me they couldnt do anything, and I needed to speak to the Dispute Department. The agent placed me on hold and called the Dispute Department, and then told me the Dispute Department would not assist me until the second transaction cleared. \n\nThis is not my fault. Discover mishandled my accounts and I was forced to choose between paying rent late, and incurring a fee, or making two rent payments, and avoiding a fee. Discover should have prevented the first transaction from clearing, and they surely shouldnt have transferred funds from a new account to and old account that was being investigated for fraud. On top of that I did not sign up for overdraft protection, and I did not authorize Discover to shift funds from one account to the other. \n\nI pleaded with Discover to fix their mistake and reject one of the two transactions, and they refused to help me. I shifted {$2000.00} out of my savings account to cover the second transaction. \n\nSo now I have a credit of {$1900.00} with my landlord. In essence I paid rent for XX/XX/XXXX and XX/XX/XXXX. I would like Discover to credit me the interest I would have earned in my Discover savings account on that amount for 27 days. The time between me initiating the second transaction and the date XX/XX/XXXX rent would have been due. \n\nIt is absurd that Discover was unable to provide a provisional credit for {$1900.00} while they reversed the unauthorized transaction that stemmed from the ineptness of their agent. aIts absurd that they wouldnt allow me to dispute the first transaction, and insisted that I wait for the second transaction to clear, and then dispute the second transaction. Two missteps do not cancel each other out. \n\nAccording to my phone logs, I have spent 3.15 hours on the phone with Discover attempting to resolve this issue without success. \n\nI believe the actions of Discover are unfair and deceptive as defined by Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC Section 45 ) and the Dodd-Frank Act Discovers failure to reject one of the two transactions of {$1900.00} has caused substantial injury to me, and is unfair. Discovers actions of telling me that new checks and a debit card where being sent to me when the agent didnt process the order is deceptive, because it is likely to mislead. \n\nThroughout this whole process I was provided conflicting and contradictory information by Discover. \n\nIt is my hope that the CFPB can intervene and require Discover to own their mistake, apologize, and offer reasonable restitution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2018-04-05T04:39:28.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2864883","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2018-04-05T00:30:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["It is my understanding that after transferring the funds, the agent was <em>supposed</em> to reinstate the <em>security</em> freeze on my old account. She failed to do so. \n\nOn XX/XX/XXXX I called Discover again because I had not yet received my new debit card. I was told that a debit card was never ordered, but the agent placed the order while they had me on the phone. In short, the agent I spoke to on XX/XX/XXXX made a mistake."]},"sort":[6.138468,"2864883"]},{"_index":"complaint-public-v1","_id":"3584415","_score":5.7225013,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I purchased a Netspend PrePaid Debit card with a deposit of XXXX. \nMy intention was for a single use. On XX/XX/XXXX I used the Netspend PrePaid Debit Card to pay XXXX payment to XXXX XXXX XXXX. XXXX XXXX XXXX could not get an authorization for the transaction although indicated to me it had gone through. They returned to card to me. As previously stated, I never had any intention of opening or maintaining any account with Netspend. I  never activated the account cards they sent me, as far as I was concerned my business with them was complete. When my XXXX Social Security Deposit was made to my PayPal Prepaid Mastercard, 1 month and a half later, I am unable to use my funds. It is at this time I find out that A ) Paypal in in cahoots with Netspend and Netspend had come across to all of my paypal accounts including my Paypal Prepaid Mastercard locking them. When I call to find out what was going on I am told I owe XXXX. Impossible, I go on to find out that XXXX XXXX XXXX Force Posted XXXX on to a XXXX prepaid Debit card to which NETSPEND Authorized. Now, a month and a half later, they come knocking on my door, freeze my Prepaid Mastercard which held all of my Social Security Money telling me I was going to pay them that money. That email is attached - I didn't take kindly to them threatening me that they would shut down all my accounts if I didn't pay the {$740.00} The whole point of a PREPAID card to to avoid overdrafts, overdraft fees or charges. Yet Netspend seems to think differently. I don't know of a single bank account or credit card account would allow someone to overdraft a XXXX account by 300 %! Having had another situation with them regarding another prepaid card I purchased at the same time in XXXX, I reached the end of my rope. I submitted the following letter, filed a complaint with the XXXX  demanding they retract the approval for XXXX immediately. I never authorized that, I never approved it, I never even knew about it. I bought a freaking PREPAID DEBIT CARD THAT IS ONLY GOOD FOR THE AMOUNT OF MONEY ON THE CARD! \n\nTwo days ago I received a letter and a bill from XXXX XXXX XXXX   for {$1100.00}, indicating that the bank had rescinded the authorization. The date alarmed me because it was before XX/XX/XXXX and this is the XXXX of XXXX and I have yet to receive the original XXXX deposit I had on the card. I immediately start combing through my emails to find an email sent to me on XX/XX/XXXX with a bunch of gibberish that suggested I may or may not get my original XXXX back. I will file a lawsuit against them if this is now the game they are playing. They take people 's money as if it belongs to them They place irrelevant holds on money putting people through hoop after hoop after hoop. At the end of the day - NETSPEND authorize a 300 % overdraft on a XXXX prepaid card. Not once did they catch it, contact me, stop the transaction, find suspicion because of the ungodly  amount. Not ONCE did they protect me, their supposed \" customer ''. Instead they approve such an egregious transaction and them try to make me pay for it. When I refuse and demand they cancel that approved transaction, they apparently do while continuing to HOLD MY MONEY! Any prepaid debit card company advertises no overdrafts, no fees. The definition of a PrePaid Debit card is the card is good for the amount of money loaded to it. Not according to Netspend. THIS COMPANY NEEDS TO BE SHUT DOWN! \n\nBelow you will read the first letter I sent them when I found out they had my Social Security Deposit., Per their request. I am also attaching the email correspondence from the person who is sitting on my XXXX 3 weeks after they reversed the transaction jabbering some 20 day XXXX for per a customer agreement. I told him I AM NOT HIS CUSTOMER. I never activated the card they sent me to replace the one from the gas station. I want my XXXX NOW! and I want some action taken against these crooks. I am XXXX years old, XXXX on a fixed income and this company is a bottom feeder on people like me and people who don't have bank accounts. Usually it's because they are poor. \n\nI have subsequently closed all PayPal accounts except the last remaining until I verify the transfer of my Social Security Deposit to another institution. Where I never had a problem with paypal and have used them for 7 or 8 years, the meer fact they have brought Netspend into their business cost them their business with me. \n\nI will keep taking what ever action I have to to get my money. Now with the nation in crisis, idiot companies like this see it as an even better opportunity to steal, take, hold, money that does not and never did belong to them. \n\nSincerely, XXXX XXXX XXXX after XXXX XXXX CST attachment groups - My initial response to them when I couldn't access my Social Security in XXXX, and Netspend 's email exchange before and after I find out through XXXX  - NOT NETSPEND that they reversed the charge. \n\nIf you are unable to see the message below, click here to view. \nNetspend Email Security Information : Email : XXXX Update Card Ending : XXXX Dispute Claim Confirmation Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Dear Valued Cardholder, Thank you for reporting this transaction error. We have opened a dispute claim for you. Your claim number is XXXX and should be used for future reference. \n\nWe will begin your investigation promptly. We will attempt to complete the investigation within 10 business days ( or 20 business days if this is a new account ). If we need more time we may take up to 45 calendar days to complete the investigation. For errors involving a new account, a point-of-sale transaction, or a foreign-initiated transaction, we may take up to 90 calendar days to investigate your claim. If we determine more time is needed, we may issue a temporary credit so you have use of your funds during the investigation. \n\nIf you wish to be eligible for a provisional, or temporary, credit to your account while we complete our investigation, you will need to send us a written notice of your dispute within the next 10 business  days. The written notice should include your name, account number and claim number ; transactions you believe are in error ; and the dates when the errors occurred. If we do not receive your written notice in the next 10 business days, we are not required to provisionally credit your account while we complete our investigation. Please note that for new accounts, we have up to 20 business days to provisionally credit your account. \n\nAdditionally, you may provide other information that you think would be helpful to our investigation - such as a police report, cancelled transaction receipts, or a copy of your agreement with the merchant. The written notice and any additional information should be sent to XXXX or faxed to XXXX. Please include your claim number & account number with all correspondence. \n\nIf we do not receive the written notice or any additional information from you, we will complete our investigation with the information we have available to us. \n\nThe results of the investigation will be sent to you in writing within 3 business days of completing our investigation. \n\nThank you for your patience as we investigate your claim. \n\nIf you have additional questions, please contact the NetSpend Customer Service Department at XXXX during normal business hours. \n\nSincerely, NetSpend Dispute Resolution Department XXXX. XXXX  XXXX XXXX, TX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend Prepaid Card Account. Netspend is required to send you such notifications regardless of your unsubscribe status. Please do not reply to this message. \nNetspend.com | Privacy Policy | Update Email To ensure inbox delivery of Netspend Card emails, add XXXX to your contacts. \n\nThe Netspend Visa Prepaid Card is issued by XXXX, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend , a  XXXX XXXX , is a registered agent of XXXX  . Card may be used everywhere Visa debit cards are accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. \n\n& copy XXXX XXXX XXXX XXXX, XXXX All rights reserved worldwide. XXXX and Netspend are federally registered U.S. service marks of XXXX XXXX XXXX , XXXX All other trademarks and service marks belong to their owners. \n\nNetspend XXXX. XXXX  XXXX, XXXX, TX XXXX The letter I sent when I find out I have no money - It was emailed XX/XX/XXXX to PayPal and to Netspend : Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX Inbox x XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  to disputedocuments, me Re :  Account Number : XXXX Claim Date : XXXX XXXX CST Claim Number : XXXX Claim Amount : XXXX To Whom It May Concern, This letter was just sent to PayPal and will be sent shortly to all the names listed below. \n\nHere is some VERY important information that you should take very seriously - I will be sending this same information to the folks at Netspend as well. Once I do that, I will be taking all the information surrounding the freezing of my PayPal Prepaid Mastercard Account and the other accounts affiliated with the account to : 1. Social Security Administration 2.The Consumer Finance Protection Bureau 3 . National Consumer Law Center, Washington DC 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. State of Wisconsin Office of Attorney General 7. The Department of Financial Institutions - Division of Banking Why? Because the  PayPal Prepaid Mastercard Account olds my Social Security Income and my Social Security Income is EXEMPT ACCORDING TO FEDERAL LAW FROM BEING WITHHELD, GARNISHED, LEVIED under ANY circumstances by ANYONE with the exception of the Federal Government and Child Support. Second to that is Netspend nor PayPal followed ANY of the procedures stated by law necessary before simply locking me out of any source of income whatsoever. Thirdly, Netspend 's reason for doing this is nothing more than a continuation of unethical, unprofessional and unprincipled business practices. By illegally authorizing a rental car company to force post {$1100.00} on to a prepaid debit card containing a {$500.00} balance in XXXX. A transaction I knew NOTHING about until yesterday and a transaction I never approved nor authorized. Netspend, a company becoming fastly known as disreputable, never once notified me of a 300 % overdraft on a {$500.00} prepaid debit card intended for one use. NEVER! Instead they have snuck around the last several weeks slowly cutting access off to all of my PayPal accounts, my XXXX XXXX and as of yesterday, I find my MAIN account, my Paypal Prepaid Mastercard Account LOCKED. This account receives my Social Security Deposit EVERY SINGLE MONTH! As a result of this stunt, I have NO money, my rent check bounced today, I've two bills that have already bounced with a slew more lining up. This will damage my credit. Currently I don't even have a XXXX  to go buy milk, if milk cost a XXXX. I am in need of food for my XXXX animals, medications for myself and the right to continue living like anyone else in this world does. \n\nWhy? Why would ANYONE approve a 300 % overdraft on a prepaid debit card that has been registered less than an hour. WHY? WHY would anyone approve a prepaid overdraft of that magnitude in the first place ANYWAY? WHY, WHY did Netspend not contact me immediately after the transaction occurred? WHY? Why did/does Netspend think I'm the one who is supposed to pony up to someone's authorization of such and egregious amount, not to mention action. WHY, WHY did Netspend not see red flags and fireworks or when they DID see the red flag and fireworks, protect me - ME their customer? WHY, WHY am I being chased for a transaction I did not know about much less authorize? WHY? Does the Prepaid Debit Card not have Visa 's Zero Liability Coverage? If it does, WHY is Netspend trying to get money out of me? WHY didn't Netspend reverse a charge of that magnitude IMMEDIATELY? WHY? More importantly, WHY was it let through to begin with? WHY, WHY didn't PayPal due their DUE diligence by seeing the fact my account was/is exempt from this unprofessional activity by virtue of the fact it contains GOVERNMENT BENEFITS! WHY? Doesn't anybody do their jobs anymore? WHY, WHY did neither company comply with the laws surrounding the freezing of someone's bank accounts? WHY? They had/have a legal obligation AFTER receiving a notice of garnishment ( which never existed ) or notice of Judgement from a court ( which never existed ) to provide me with the results of it's review! The law clearly states that my accounts can not be frozen without a court order. PERIOD. May I remind you here that I DID NOT HAVE A SINGLE CLUE  ANYTHING HAD OCCURRED - NOT A SINGLE CLUE SOME FOOL MANAGED TO OBTAIN {$1100.00} off a {$500.00} Prepaid Debit Card. Moreover, it was also PayPal 's job aside from informing me of some sort of court order, but the date the order was received, a brief explanation of the garnishment, an explanation of PayPal 's responsibility to protect my federal benefit payments that are direct deposited during the look back period and keep them accessible to ME. ( Yes, PAYPAL and NETSPEND need to learn a lot here! ). PayPal and Netspend, particularly PayPal was supposed to protect my account. PayPal DID NOT. I have been locked out of this account along with my PayPal accounts for some time it would appear. As far back as XX/XX/XXXX when I woke up to a strange email message that someone has cancelled their billing agreement with XXXX. It was odd and I had begun having trouble logging in to that account around the same time. Then within the last 10 days I get another strange email telling me my Prepaid MasterCard for THIS account was no good and couldn't be used in XXXX XXXX. NOW I am growing concerned over these odd occurrences. Jump forward to this weekend and everything becomes apparent starting with my intent to list auctions on XXXX - The email address I had formerly used at PayPal to get paid wasn't any good. Then I see a hold on my XXXX XXXX XXXX XXXX  XXXX PayPal account, followed by coming to this ( my PayPal Prepaid Mastercard account ) after 4 attempts to make an online purchase Friday night was declined with a XXXX balance in the account. My anxiety over this series of events started mounting. It wasn't until I spoke with PayPal yesterday, that the entirety of Netspend 's deceptive practices came to fruition. Out of know where I am told I owe Netspend 700+ dollars from another account!! I don't HAVE a Netspend Account. I ask myself how is this possible, I used a XXXX PREPAID card. \n\nAccording to Netspend 's website, and disclosure notice : 1 ) your account is LIMITED to the funds you have loaded on the card. 2 ) You may not exceed the available amount in your Card Account through and individual transaction or a series of transactions - unless WE DECIDE ( meaning you- NETSPEND ) in our sole discretion, to approve such transaction ( s ) and that is only true if you have qualified for \" Purchase Cushion Coverage ''. 3 ) If you do not have enough funds in your account you can instruct a merchant to conduct a split transaction. If you fail to inform the Merchant that you want to do this, your card is likely to be declined. 4 ) In bold letters No OVERDRAFT/Credit Feature. 5 ) If you meet our eligibility requirements, we may authorize negative balances resulting from PIN-based and signature based transaction initiated through our third party bill pay service providers ... .... you may receive only one XXXX negative balance allowance at a time.  Negative balances are approved at our discretion on a per transaction basis. We approve ... .on our authority ... ... ..if we decide, if we authorize ... ... ... That's prevalent throughout your paperwork. No Credit. No Overdrafts, Spend only what's on the card followed by any and everything happens with your approval or authorization which leaves me to ask, WHO THE XXXX THEN, AUTHORIZED AN {$1100.00} CHARGE AGAINST A {$500.00} PREPAID LESS THAN AN HOUR OLD DEBIT CARD? then did NOTHING to protect much less notify AT ANY POINT along the way, me, your customer. \n\nWhy is a prepaid debit called a PREPAID Debit card if ANY amount can be taken off it while XXXX  the individual who owned it. WHY? What is the point of the XXXX card? I intended for the card to be used ONE time and one time only. The merchant was having trouble getting her computer to accept the forms of payment and finally after much struggling said she got it through but did not get any authorization. She handed me back the card, told me the number of the debit card was on file in the system. She furthered her statement by saying she had XXXX  out the contract so the car could be re-rented however she would get in trouble for doing so but she had to clear the car for rental and things would need to be continued. She KNEW the card had a XXXX maximum limit. Unintending any further usage of the card, I had no reason to check it. I cut it up, disposed of it and did not activate the printed version of the card that came to my home. \n\nWhat concerns me all the more is Netspend blocked another card I purchased within 24 hours of my purchasing it insisting on more intensive proof I was who I said I was. It took me weeks of fighting to get my money back, and not without incurring financial problems, unpaid rent, forced to travel with no money, exacerbated health issues and countless hours of no sleep while doing just what I am doing now - fighting to not get ripped off ONCE again. Netspend, the company who put me through identity XXXX just a mere 6 weeks  ago authorized someone to come in an overdraft another card by 700 + dollars, doing nothing about it, other than 6 weeks later illegally intercepting my Social Security XXXX Income bank account, cut off any and all access I had to get any money by blocking all my paypal accounts followed by now attempting to extort the overdrafted amount THEY caused, out my my own funds. \n\nHow disgraceful is it for a corporation to have XXXX complaints registered with the XXXX XXXX XXXX over the last 3 years. How disgraceful is it for a corporation to be plastered all over the web as the only company to take great steps to fight the placement of the Consumer Financial Protection Bureau 's PrePaid Debit Card Law ( April 2017 ) designed to protect consumers from any hidden terms or overdraft fees on prepaid cards. How disgraceful are you to pay hundreds of thousands of dollars to solicit political favors from the Republican party so in term you could use them as a way of getting rid of it. Some would call that a quid-pro-quo wouldn't they. \n\nBottom line, Netspend NOR PayPal should have EVER Frozen/locked ANY of my accounts. And the process by which they chose to do so clearly violates my rights and the law. \n\nMy Social Security is protected by the Federal Government! therefore, PayPal/Netspend has until XXXX XXXX today, XX/XX/XXXX to restore complete and full access to my accounts - ALL my accounts, including access to my money or all XXXX is going to break loose because I will go to any and every source I can, any source I think may have a hand in restoring access to my GOVERNMENT PROTECTED ACCOUNTS followed by any source that will take action to stop this unprincipled behavior against any other individuals and any source that will advise and assist me in the filing of charges against Netspend and any other parties deemed involved for damages I have sustained from Netspend 's unprofessional, shady and self servicing practices since XXXX of XXXX. You should be advised that this letter will be distributed to all parties listed above, not just PayPal and Netspend and will be done almost immediately after I sign it. \n\nVery truly yours, XXXX XXXX XXXX XXXX After XXXX XXXX \n\n\nThis was also sent to the XXXX  : XXXX  Complaint Case # XXXX ( Ref # XXXX ) Inbox x XXXX XXXX XXXX   <XXXX> Tue, XX/XX/XXXX, XXXX XXXX to me Complaint ID # : XXXX Business Name : PayPal , Inc . \n\nThank you for contacting XXXX. Your complaint was received by XXXX  on XX/XX/XXXX and has been assigned case # XXXX our files. Please make a note of this number for future reference. \n\nYour complaint has been applied to the following business : PayPal , Inc . \nXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The case has been reviewed and has now been forwarded to the business for their response. This business has until XX/XX/XXXX to respond to your complaint. You may contact our office after XX/XX/XXXX to check the status of your complaint. \n\nWe encourage you to use our ONLINE COMPLAINT system to keep up with the progress of this complaint. To view the details of your case please go to the following website address : http : XXXX. \n\nSincerely, XXXX XXXX Complaint Specialist XXXX  Complaint Department This is the first response from Netspend : On XX/XX/XXXX, at XXXX XXXX, Corporate Customer Response Team <XXXX> wrote : >> >> Account Reference Number : XXXX and XXXX >> Dear XXXX, >> Hello my name is XXXX and I am part of the Presidents Corporate Response Team. I will be assisting you any concerns or questions you may have. \n\n\n>> The reason that your account is overdrawn {$730.00} is because XXXX XXXX force posted a transaction on to your account. Since the merchant has obtained your card number, the merchant can sometimes force a transaction to post ( collection ) on your account. In the event this happens, we can open a dispute or you can contact the merchant to resolve the agreed payment. \n\n\nDo keep in mind that the block has been removed from your account ( XXXX ) however, our team can potentially close all your accounts if this balance is not paid. \n\n\n>> If you have additional questions or concerns, please do not hesitate to contact me at the phone number below. \n\n\n>> Thank you, XXXX XXXX Sr. Customer Experience Analyst Netspend, a XXXX XXXX XXXX, TX Office : XXXX Hours : Monday- Tuesday : XXXXXXXX XXXX to XXXX XXXX CST Thursday- Friday : XXXX XXXX to XXXX XXXX. CST Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain  information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\nThis is the last correspondence between myself and Netspend as of today - Important Account Information XXXX  XXXX XXXX Ref. #  XXXX << Reference ID : XXXX >> Inbox x NETSPEND RIP OFF x Corporate Customer Response Team <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  to me, XXXX, XXXX Dear XXXX XXXX Although I have been unable to speak with you, I wanted to follow up on your dispute claims. \n\n1. When investigating dispute claims reported by our cardholders, we adhere to the processes as defined in both Regulation E and in Netspend cardholder agreements that our customers receive when opening an account. We have reviewed your claims and have determine they are being handled correctly. \n\n2. The dispute claim XXXX was opened on XX/XX/XXXX. The claim will be updated on XX/XX/XXXX. The update timeframe for a new account is twenty business days. The letter of dispute must be received in the first ten business days for you to be eligible for provisional credit. \n\n3. The letter of dispute has been received for the claim XXXX. \n\n4. Due to the large negative balance on account XXXX, ( {$730.00} ), our Recoveries Team blocked your other Netspend accounts on XX/XX/XXXX. Those blocks were removed after you opened the dispute claim. \n\n\nIf you have any further questions or concerns, please feel free to contact me at the number below. \n\n\nThank you, XXXX XXXX XXXX Customer Experience Specialist Netspend a Global Payments Company XXXX XXXX Confidentiality Notice! This electronic transmission and any attached documents or other writings are confidential and are for the sole use of the intended recipient ( s ) identified above. This message may contain information that is privileged, confidential or otherwise protected from disclosure under applicable law. If the receiver of this information is not the intended recipient, or the employee, or agent responsible for delivering the information to the intended recipient, you are hereby notified that any use, reading, dissemination, distribution, copying or storage of this information is strictly prohibited. If you have received this information in error, please notify the sender by return email and delete the electronic transmission, including all attachments from your system. \n\n\nXXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate I received a bill from Budget to the tune of {$1100.00} with a letter stating you rescinded approval for the charge they placed on account XXXX. Where is the original {$500.00} I paid for and put on that card on XX/XX/XXXX? Why hasn't it been returned to me? XXXX XXXX letter is dated XX/XX/XXXX which means you reversed the charges prior to XX/XX/XXXX. Today is XX/XX/XXXX. Do I need to file more complaints with the XXXX  and The Consumer Financial Protection Agency, The Wisconsin Department of Agriculture, The Federal Trade Commission and the State of Wisconsin Attorney General 's Office? That money should have been returned to me immediately once you rescinded the force post XXXX did to that account without my authorization, approval or knowledge. You have until Friday to get my money returned to me or I will begin contacting all the agencies listed above. \n\nSincerely, XXXX XXXX XXXX XXXX <XXXX> Wed, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to Corporate One last thing - I do NOT have any accounts with you. I purchased 3 cards for ONE time use. I have not activated any permanent card ( s ) you sent me nor do I intend to. I have never had an account with you - I have only purchased your prepaid gift cards for a single use. Therefore please stop referring to my having an account with you like it's ongoing and we have some sort of relationship - it isn't, it never was. I have subsequently closed all my PayPal accounts except one which will also be closed once my Social Security Deposit hits my new bank accounts. Because of your business practices,  PayPal lost a customer of 8 - 10 years. I will not do business with any company associated with you in any shape or form whatsoever. Stop holding money that isn't yours to hold, at least that's what your email suggests by some claim updates by XX/XX/XXXX ... .and 20 days something or other for account holders. Let me repeat myself - I DO NOT HAVE AN ACCOUNT WITH YOU. If my money hasn't been refunded by XXXX  Thursday night, XX/XX/XXXX, I will proceed with the filing of this entire fiasco to the appropriate state and federal agencies already mentioned in my prior email. \n\nSincerely, XXXX XXXX I want my money NOW - enough of this crooked company! Someone needs to please put them out of business!. \n\nThank you, XXXX XXXX","date_sent_to_company":"2020-03-28T09:42:54.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"53214","tags":null,"has_narrative":true,"complaint_id":"3584415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2020-03-28T08:20:06.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble closing card"},"highlight":{"complaint_what_happened":["My Social <em>Security</em> is protected by the Federal Government!"]},"sort":[5.7225013,"3584415"]},{"_index":"complaint-public-v1","_id":"3148515","_score":5.428849,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, I opened a case against Chase Bank personnel that was much more than just an inquiry about my concerns for my Chase Home Equity Line of Credit ( HELOC ) account with the Consumer Financial Protection Bureau. The Bureau acknowledged receiving it on the same day and assigned case # XXXX to my complaint. \n\nIn my original complaint ; I levied provable and serious charges specifically against XXXX XXXX XXXX, Chase Banks notary. The letter with attachments I received in response to my original complaint was unsigned, but dated XX/XX/XXXX and postmarked XX/XX/XXXX. I strongly believe it was authored by XXXX XXXX, the Chase Fraud investigator who would logically render her findings in this manner. Likewise those findings can be quickly summed up by quoting paragraph # 5 of MS XXXX letter. In it she states that We carefully reviewed the history of your account ( NOTE : my husband and my personal checking account ) and we did not find any instances of deceptive tactics. \n\nIn Paragraph # 2 of MS XXXX letter she writes : We have enclosed a copy of your Deed of Trust, which shows both you and XXXX XXXX XXXX, XXXX signature. This one sentence paragraph contained in this formal and official letter to me from Chase Banks Executive Office in response to my complaint sent through the CFPB is a total, complete and unmitigated lie.\n\nThe Deed of Trust that Chase included in its response to me is in fact the forged document with the self evident proof of forgery, perjury and fraud that rests within its own pages. Further, this forgery turned into a counterfeit when it was recorded as a truthful and accurate document. I firmly believe the forger who perpetrated this fraud and in turn perjured herself is XXXX XXXX XXXX, Chase Banks notary. She compounded her unlawful actions when she either recorded this document on XX/XX/XXXX herself or sent it into the county recorders office through Chase channels with a batch of other documents to be recorded. The proof is documented on : A. Page 10 signature page : 2 places for XXXX XXXX XXXX to sign and 2 places for XXXX XXXX XXXX, XXXX to sign ; however, only my signatures appear on this page. Clearly understand that while the signatures appear to be mine, they are not. I never signed this document. \nB. Page 11 XXXX XXXX XXXX states she witnessed me sign as a trustee of our trust and she states that she WITNESSED XXXX SIGN AS A TRUSTEE OF OUR TRUST. \nC. Page 12 XXXX XXXX XXXX states she witnessed me sign as an individual and she states that she WITNESSED XXXX SIGN AS AN INDIVIDUAL. \n\nPages 11 and 12 also prove two additional and critical points : D. XXXX XXXX XXXX clearly states that she witnessed XXXX sign his own name by his own hand. \nE. XXXX XXXX XXXX does not state that she witnessed ME SIGN EARLS NAME BY MY HAND AS THE HOLDER OF HIS POWER OF ATTORNEY. She states she personally witnessed with her own eyes XXXX sign this page himself. \n\nNow a question for the XXXX Fraud investigator, the CFPB Executive Office and all other personnel with a direct and/or indirect hand in determining fact from fiction from what rests within the pages of the Chase HELOC Deed of Trust that was recorded on XX/XX/XXXX and that is the focus of this legal matter. The facts and circumstances of this case that have previously been laid out for your edification in great detail and which are being laid out before you once again in above points A thru E that does it not give you pause to look deeper into the Deed of Trust? Is the fact that XXXX signatures are nowhere to be found on page 10 of the Deed of Trust lost on you? These facts are not so obscure that it would be easy to miss so how did you miss it? \n\nSecond question : are you willfully ignoring the glaring fraudulent declarations made by XXXX XXXX XXXX when she affixed her signature and notary stamp to pages 11 and 12 of this Deed of Trust? There is no question in my mind that her actions are criminal in nature as laid out in County, State and Federal statutes outlined in part below : F. First, the crime of forgery was detected on this Deed of Trust that turned it into a Counterfeit document used as a security in violation of 18 USC Ch. 25 : COUNTERFEITING AND FORGERY. From Title 18CRIMES AND CRIMINAL PROCEDURE PART ICRIMES and ARS 13 2002 A 1 513. Securities of the States and private entities. Further, for purposes of this section : ( 1 ) The term \" counterfeited '' means a document that purports to be genuine but is not, because it has been falsely made or manufactured in its entirety ; ( 2 ) the term \" forged '' means a document that purports to be genuine but is not because it has been falsely altered, completed, signed, or endorsed, or contains a false addition thereto or insertion therein, or is a combination of parts of two or more genuine documents ; ( 3 ) The term \" security '' means any other written instrument commonly known as a security ; G. Second, this fraudulent document was then recorded into the Public Records of XXXX County, Arizona in the form of a DEED OF TRUST as security for a Chase bank loan. That Deed of Trust is a provably forged counterfeit that even a casual observer can easily spot as a forgery is prima fascia evidence of fraud, has been sent through the United States Postal Services Certified Mail multiple times. It is my understanding this action constitutes the Federal Crime of Mail Fraud.\n\nThird : are you so blind that you can not see the parameters of this case? XXXX XXXX XXXX clearly states that she witnessed my husband sign this document in two places ; one as a trustee of our trust and the other as an individual. If she is telling the XXXX honest truth, WHERE ARE HIS SIGNATURES ON PAGE 10 of this Deed of Trust? \n\nNow to the other points raised in the Chase Executive Office cover letter : H. Let me remind you that months before my husbands death, XXXX XXXX, the Chase Bank Branch Manager, informed me that this HELOC that we were supposed to sign on XX/XX/XXXX, but did not because the notary failed to return to the bank for that signing ; was funded the first business day after XX/XX/XXXX as an unsecured line of credit. Further, he gave me the unsigned and undated complete 19-page HELOC paperwork along with Chases single page Errors and Omission document that tied directly to this HELOC that was also unsigned and undated. \n\nI. This very same HELOCs unsecured Deed of Trust turned into a secured Deed of Trust through XXXX XXXX XXXX handy work when I believe she forged and then recorded, or had recorded, the subject Deed of Trust on XX/XX/XXXX. \n\nShortly after my husbands death on XX/XX/XXXX ; I notified Chase of that fact. As soon as his death certificate arrived in the mail, I provided Chase with a certified copy for the banks records. At the time I told the teller I would prefer to keep my husbands name on our accounts along with his name on our checks. The teller said there was absolutely no problem because many widows/widowers choose to do so. It was my choice to keep XXXX name on our accounts and checks then and it remains so today. \n\nJ. In paragraph 3 of your letter, you refer to my taking out 2 cash advances, one on XX/XX/XXXX and the second XX/XX/XXXX, neither of which has a thing to do with the forgery that occurred on an unknown date after XX/XX/XXXX ; the date on which we were supposed to sign the HELOC, but did not and XX/XX/XXXX ; the date on which the notary recorded, or had recorded, this fraudulent Deed of Trust with the XXXX County Recorders Office. \n\nXXXX In paragraph 4, you refer to those funds being paid into account # XXXX and then paid from that same account that was and remains in both of our names. This red herring holds absolutely no significance beyond my deep desire to continue to show honor and respect for the man who continues to be my husband. Clearly understand that money being deposited into our checking account and then paid back from this account was never an issue. In fact this is nothing more than a smoke and mirrors tactic to cloud the real issues that were and are purposefully being ignored. \n\nNOTE : XXXX and I have 2 personal checking accounts, # XXXX that was the primary checking account before, during and after XXXX and the subject account for this set of transactions. The secondary account before, during and after XXXX ends in # XXXX. That account became the primary account after # XXXX had been the subject of an identity theft scare. Our names were on both of these well established accounts long before my husbands death. Both of our names appear on both of these accounts today. For the record, I find great contentment, peace and joy seeing his name along with mine on our checks. \n\nL. In preparing this document in response to your letter dated XX/XX/XXXX, it became abundantly clear that you accidentally or intentionally misidentified our primary checking account as being # XXXX instead of it being # XXXX. Proof of this additional error on your part rests with the 2 Consolidated Balance Summary Bank Statements one dated in the upper right hand corner of the page XX/XX/XXXX through XX/XX/XXXX, followed by Primary Account # XXXX and the second also dated in the upper right hand corner of the page XX/XX/XXXX through XX/XX/XXXX, followed by Primary Account # XXXX. I have taken the liberty of removing all of the individual personal entries associated with these monthly statements as they are no ones business but my own. I have done the same for the Loan Transaction Summary Date of Notice XX/XX/XXXX as well as the Chase Detailed Transaction History dated XX/XX/XXXX for the Activity for Period XX/XX/XXXX XX/XX/XXXX. \n\nGiven the fact that you never failed to refer to the appropriate primary checking account being # XXXX, how could you have misidentified the secondary account as the primary account on both of the Consolidated Balance Summary Bank Statements themselves? This level of carelessness defies all logic. Do you care so little about the quality of your work that you continually make this type of glaring error? \n\nM. In paragraph # 5, you clearly state that in your careful review of our account, you did not find any instances of deceptive tactics. It is unclear whether you are referring to deceptive tactics on my part or those of the banks. Also, pray tell, which account are you referring to - # XXXX or # XXXX? I really want to know. \n\nAdditional proof of fraud, counterfeiting and perjury on behalf of XXXX XXXX XXXX rests with the fact that there can only be a blue ink signed original of the Deed of Trust if in fact we both signed it in front of her. Neither my husband nor I personally signed the HELOC including its Deed of Trust because you need to pay very close attention to the reality that in writing only my alleged signature appears on the signature page, not both of our signatures. The blue ink original document does not exist, can not be produced and therefore cancels out this HELOC in its entirely. * The second piece of physical evidence that Chase Bank and/or XXXX XXXX XXXX can not produce is her notary book showing both XXXX and my signatures entered into the section of pages where signatures of individuals were logged in for the date of XX/XX/XXXX thereby documenting this transaction actually took place as the Deed of Trust implies. No notary book containing our signatures on that date, or any other date for that matter up until the date the Deed of Trust in question was recorded exists. This constitutes additional supporting evidence that XXXX XXXX XXXX perjured herself while committing multiple counts of fraud. \n\nN. The question arises now and than as to why I continued to make payments on the Chase HELOC after the XXXX XXXX  Reverse Mortgage went through. The answer is very simple and I will restate it here : In XXXX or XX/XX/XXXX I was in Chase making a deposit when XXXX XXXX, the bank branch manager, said to me that he \" needed to tell me something important '' and it was that \" someone with Chase really messed up because the paperwork to attach our home as collateral to the HELOC ending in # XXXX was never processed and therefore it went through as an unsupported loan. At the same time he handed me a complete copy of the HELOC along with the Chase Errors and Omissions document containing all of the same dates and numbers as are present on the HELOC itself. \n\nO. In XXXX I applied for a XXXX XXXX Reverse Mortgage. As part of the normal procedures of processing a reverse mortgage, XXXX XXXX contracted with XXXX XXXX XXXX XXXX and XXXX Reverse Escrow to search for all loans that connected our home as collateral to a given loan. The reality is that at the time the reverse mortgage was being processed, neither XXXX XXXX XXXX XXXX nor All-American Reverse Escrow located the recorded Chase Deed of Trust and subsequently did not pay it off. The XXXX XXXX Reverse Mortgage went through on XX/XX/XXXX. The failure of XXXX XXXX XXXX XXXX and XXXX Reverse Escrow to do their due diligence has cost me dearly. \nP. First of all based on the statements made to me in person by XXXX XXXX and the evidence he provided me at the same time that comprised the HELOC and the single page Errors and Omissions documents, I did not question continuing to make payments on it. Clearly understand both of these documents were undated and unsigned. In the case of the Deed of Trust, it was also not notarized. Further, while the Errors and Omissions document was also undated and unsigned, because of its significance, I believe it should have been notarized as well, but as with the signatures, it was not notarized. \nI kept making payments on the XXXX XXXX from the date the XXXX XXXX Reverse Mortgage went into effect until XX/XX/XXXX to the tune of well over {$50000.00} at which time it became impossible for me keep making those payments because they went from a few hundred dollars to well over a thousand dollars per month. Interestingly my new reality became clear when I was unable to make those HELOC payments. The point being the unsecured HELOC described to me by XXXX XXXX in XXXX as such is now a secured HELOC with my home attached as collateral for it. \nThe last 12 pages of this Chase Line of Credit comprises the Deed of Trust and it is this part of the HELOC that is now signed, notarized and recorded as of XX/XX/XXXX. It is a forgery. I believe only someone within the XXXX banking system could access my unsecured HELOC and without my knowledge or permission attach my home as security for it. I also want you to fully understand the fact that I had no knowledge of this recorded Deed of Trust until XX/XX/XXXX when a realtor found it on the XXXX County Recorders website and sent it to me. I find it ironic that only because of the kindness of a stranger that I learned my home was now being used as security for this counterfeit Deed of Trust. Further, a foreclosure sale date of XX/XX/XXXX had been set. The ramifications of this horrific set of circumstances were driven home to me in such a painful manner that it totally defies description. Other words that fit the dynamics of the untenable place I found myself in include, but are not limited to the following : surreal, unbelievable, heart wrenching, horrendous, appalling, gruesome, ghastly, sickening, horrifying..\n\nThis is an absolute and outright case of fraud. Per United States XXXX XXXX : : XXXX XXXX XXXX ( XXXX ) : Evidence of inherent fraud has been found in this case ; therefore per Ex37 Am Jur 2d at section 8 states, in part : \" Fraud vitiates every transaction and all contracts. Indeed, the principle is often stated, in broad and sweeping language, that fraud destroys the validity of everything into which it enters, and that it vitiates the most solemn contracts, documents, and even judgments. '' Chase has the responsibility to hold their guilty employee ( s ) accountable for her/their illegal actions.\n\nFurther, Chase has the legal and moral obligation to return every penny I paid them with interest. I believe those unnecessary HELOC payments were made from the date the Forged Deed of Trust was officially recorded as a public document in the XXXX County Recorders Office until today. \nXXXX XXXX has the responsibility of holding their Title and Escrow companies accountable for their failure to find and pay off the recorded Deed of Trust that used our home as collateral for it. Not only that, XXXX XXXX XXXX XXXX issued a clean and clear title that is not true. The foreclosure action is proof that this title to our property is not clean nor is it clear. Likewise, this recorded Deed of Trust was the vehicle XXXX blatantly used to initiate and prosecute foreclosure actions post XX/XX/XXXX. \nThe failures of XXXX XXXX XXXX XXXX, XXXX XXXX and Chase banks in this matter has harmed me greatly both financially and emotionally. For my own wellbeing, I need an acknowledgement from you that you have received, read this claim and are processing it in a timely manner. I require this matter to be property adjudicated no later than 30 days from the date you receive this document. While you are conducting a new investigation into Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, All-American Reverse Escrow, and of course XXXX XXXX XXXX and the XXXX County Recorders Office ; you may wish to make a strong suggestion to Chase Bank that they make a good faith gesture to me by refunding the money I unnecessarily paid to them in the Line of Credit payments. \nOne last hard reality every one of you needs to keep in mind : This is my life and my home that has been manipulated and in affect held hostage by employees of both banks. Clearly understand THIS IS NOT A GAME AND I AM NOT PLAYING WITH YOU.","date_sent_to_company":"2019-02-11T09:23:24.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"85306","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3148515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-02-11T08:42:53.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["means any other written instrument commonly known as a <em>security</em> ; G."]},"sort":[5.428849,"3148515"]},{"_index":"complaint-public-v1","_id":"5104847","_score":5.261535,"_source":{"product":"Debt collection","complaint_what_happened":"American Express is reducing their risk exposure during the pandemic by targeting and culling cardholders that their system can/could determine were most impacted by the on-going pandemic. As many of those individuals are women with small children, and/or individuals who are XXXX, and/or are from minority backgrounds, American Express is now XXXX in their lending and credit practices against those in at least three ( 3 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) and Regulation B, and the Americans With Disabilities Act, respectively. American Express appears to have additional violated several portions of 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ), 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), and 12 CFR Part 1026 - Truth in Lending ( Regulation Z ). \n\nIn American Express ' XXXX XXXX response to CFPB complaints XXXX, XXXX & XXXX, American Express implied that I had been receiving bills and was able to make payments through their online system between the months of XX/XX/XXXX and Present because \" I was able to make a payment on XXXX XX/XX/XXXX. '' That is when I was able to regain access to the system after American Express re-enabled access through it's web portal. In that same response, American Express threatened AND/OR took action by placing my account into an alleged CO status on or around XXXX XX/XX/XXXX. The issue began when American Express sent the account for collection to an outside agency alleging it was \" seriously delinquent '' in XX/XX/XXXX. Per American Express, the instructions were quite clear on how I was to make payment if payments were not automatically set up through the collection agency. In the XX/XX/XXXX e-mail, American Express instructed payments to be made on a new site, presumably designed for handling collections, using a five ( 5 ) digit reference code. However, the provided URL provided for the website required a full card number and eand 4-digit card id. The XX/XX/XXXX notification made no mention of my ability to pay by phone, nor mentioned the ability to pay through mail, and provided a limited list of options for paying through American Express itsef. I was not able to pay using the new American Express system because I no longer had the card information. Moreover, since American Express disabled access through their regular web portal between the months of XX/XX/XXXX and XX/XX/XXXX, I was not able to retrieve statements online. As such, my only recourse was to elect for automatic payments through the outside collection agency. When the collection agency changed, the ability to make automatic payments changed. The bottom line is American Express was aware that there had been an issue with me receiving statements since XXXX XX/XX/XXXX, as they were notified in-writing by the collection agency assigned to service that account. Yet, they no actions to investigate the mater beyond having the address information verified by that collection agency. Further, they did not conduct a billing error investigation as required under 12 CFR 1026.13 in response to my billing error notification placed with American express in writing by the collection agency on my behalf. The FCBA requires that American Express promptly conduct investigations when a consumer files a billing error complaint/dispute. It is unlawful not to conduct an investigation when a consumer notifies a creditor, in this case American Express, in writing or electronically. \n\nAmerican Express knew there was a billing issue ( trouble receiving statements ) because they sent me a \" How to Print Statements At Home '' e-mail on or around XXXX XX/XX/XXXX. So, they simply didn't care to address the issue UNTIL such a time as the could place the account in a CO status. \n\nSection 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits deceptive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is considered deceptive under the CFPA if it ( a ) misleads or is likely to mislead the consumer ; ( b ) the consumers interpretation of the act or practice is reasonable under the circumstances; and ( c ) the misleading act or practice is material. American Express acknowledges sending the account for collection to an outside agency on or around XX/XX/XXXX. I received an e-mail from American Express on/around XXXX XX/XX/XXXX notifying me of the transfer to an outside collection agency and was specifically instructed to work with that agency to pay the balance on my account. The e-mail provided the url for the collection agency 's payment system where I was to make payments. Although that same e-mail stated I could continue to pay my bill through the American Express, I was provided a url to do so that was different than the normal website. To quote, \" You may also pay your balance online at [ www.americanexpress.com/waytopay ] using a five ( 5 ) digit reference code XXXXX to access the website. '' This XXXXX number was my ZIP CODE. I was no longer able to retrieve statements nor able to log into the web portal through the mobile phone app or website. I now had to pay through the \" new '' url provided -- it required the full account number and the 4-digit card id. I no longer had the physical card because I was told the account was canceled and that upon reinstatement, once the balance was paid-off, I would receive an entirely new card with a different card/account number. The goal of American Express was to get the \" pay-over-time '' balance paid off on my account as quickly as possible because they were not making enough money on interest payments to keep the account on the books. American Express knew my account was canceled. They knew I would be paying through a different/new website, as their e-mail notified/instructed me of the two ( 2 ) applicable ways to pay : through collection agency payment, through the new/alternative American Express website. Any company that creates a web-portal creates use-cases for the different types of users that will log into their systems through that portal. A card-member whose account is canceled is unlikely to keep the card, and is likely to destroy the card for security reasons. Such a user is not able to use an old paper statement to retrieve their account number because the full account number is not printed on the statements -- for security reasons. When a card is destroyed the card-member can no longer retrieve the 4-digit card id. Neither the full account number nor 4-digit card id is given out over the phone due to : security reasons. Therefore, in the course of use-cases, American Express knew , or should have known, a card-member with a canceled account would likely be unable to log into the \" new '' website because they would no longer have access to the full account number, or 4-digit id. The deception then occurs in the e-mail notifying of placement, wherein American Express would hold they provided the 'credentials ' necessary to log into the this website via the five ( 5 ) digit reference code, establish the website to require the full card number and 4-digit card id to gain access to it. American Express would then only need to wait out the clock to charge-off the account and write the amount off or pursue avenues of legal action to recover the alleged amount due. In the process, American Express would be able to have an excuse not to reinstate a cardholder upon recovering the alleged outstanding balance, claiming \" Well we even gave the consumer the opportunity to regain card membership AFTER they paid off the remaining balance and they STILL refused to pay. '' Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). 22. An act or practice is unfair under the CFPA if it : ( a ) causes or is likely to cause consumers substantial injury ; ( b ) such injury is not reasonably avoidable by consumers ; and ( c ) such injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ). I am in fact entitled to retrieve/receive periodic monthly statements. If an institution is aware that there has been difficulty receiving statements through mail, then it is unlawful not to provide access to those statements on a periodic basis by other means if those other means are available to other consumers ( cardholders ). As I was not getting statements per mail and was not able to retrieve statements through the online portal because it required a full card number, I was deprived of right of notice under Regulation Z pursuant to the FCBA. I notified American Express, as I was supposed to, around XXXX XXXX when I stopped receiving statements. American Express records receiving payment WHILE automatic payments were enabled through the outside collection agency. The collection agency was changed at the decision of American Express on or around XX/XX/XXXX. I had no contact with that collection agency. The payments were no longer automated. I authorized a payment on or around XXXX XX/XX/XXXX. I still have not received a XX/XX/XXXX statement. patently unfair to penalize a consumer 's credit file when they have no access to be able to inspect their periodic statements and are having trouble receiving those statements by mail. It is not sufficient under Regulation Z for me to CALL American Express so they can \" tell '' me what it is I owe. \n\nVerifying the ability to make a payment at some end-point, in this case XXXX XX/XX/XXXX, says nothing about whether a consumer was able to pay through the website or retrieve statements prior to that date. Verifying an address is not a substitute for conducting an investigation and is unlawful under 12 CFR 1026.13. The collective actions taken by American Express are set up specifically to place certain groups of card-members ( consumers ) in a position of being held XXXX, where the only relief is to authorize American Express unfettered access to one ( 1 ) or more of the consumer 's bank accounts via automatic ACH withdraws and/or to \" trust, '' orally, what an agent of American Express says is XXXX owed '' is indeed accurate without being able to inspect a billing statement. This construction specifically denies a consumer the ability to check a statement itself for errors, overall depriving a consumer the right to dispute the validity of charges, errors, and payment history that is supplied to consumer reporting agencies on a routine basis. The outcome of not \" trusting '' what in this case \" can not be seen or inspected, '' is injury to a consumer by reporting delinquency statuses to consumer reporting agencies that then damages the credit-worthiness of a consumer with other current or potential creditors. The negative history itself can stay in a consumer file for up to seven ( 7 ) years. None of these processes and procedures were established for the benefit of the consumer, nor do they benefit competition. Rather they were established explicitly for American Express to be able to reduce their risk exposures to consumers their analytics system can/could determine were most impacted by the pandemic. As many of those individuals are women with small children, or individuals who are temporarily disabled, and or, completely disabled, American Express is now discriminating in their lending and credit practices against those in at least two ( 2 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002 and Regulation B, and the Americans With Disabilities Act, respectively. \n\nIt is suspect the date the account was allegedly CO by American Express was after complaints were filed with the CFPB. That is, complaints were filed within the previous ninety ( 90 ) days preceding the charge-off, making the delay in addressing this matter and subsequent CO appear retaliatory for filing complaints against American Express XXXX Such retaliation is unlawful as filing these complaints with a government agency is protected.","date_sent_to_company":"2022-01-13T05:17:37.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"5104847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-01-13T00:17:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["A card-member whose account is canceled is unlikely to keep the card, and is likely to destroy the card for <em>security</em> reasons. Such a user is not able to use an old paper statement to retrieve their account number because the full account number is not printed on the statements -- for <em>security</em> reasons. When a card is destroyed the card-member can no longer retrieve the 4-digit card id. Neither the full account number nor 4-digit card id is given out over the phone due to : <em>security</em> reasons."]},"sort":[5.261535,"5104847"]},{"_index":"complaint-public-v1","_id":"5104800","_score":5.261535,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX  is reducing their risk exposure during the pandemic by targeting and culling cardholders that their system can/could determine were most impacted by the on-going pandemic. As many of those individuals are women with small children, and/or individuals who are XXXX, and/or are from minority backgrounds, XXXX XXXX is now discriminating in their lending and credit practices against those in at least three ( 3 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) and Regulation B, and the Americans With Disabilities Act, respectively. American Express appears to have additional violated several portions of 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ), 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), and 12 CFR Part 1026 - Truth in Lending ( Regulation Z ). \n\nIn XXXX XXXX ' XXXX XXXX response to CFPB complaints XXXX, XXXX & XXXX, XXXX XXXX implied that I had been receiving bills and was able to make payments through their online system between the months of XX/XX/XXXX and Present because \" I was able to make a payment on XXXX XX/XX/XXXX. '' That is when I was able to regain access to the system after American Express re-enabled access through it's web portal. In that same responseXXXX XXXX XXXX XXXXhreatened AND/OR took action by placing my account into an alleged CO status on or around XXXX XX/XX/XXXX. The issue began when XXXX XXXX sent the account for collection to an outside agency alleging it was \" seriously delinquent '' in XX/XX/XXXX. Per XXXX XXXX, the instructions were quite clear on how I was to make payment if payments were not automatically set up through the collection agency. In the XX/XX/XXXX e-mail, XXXX XXXX instructed payments to be made on a new site, presumably designed for handling collections, using a five ( 5 ) digit reference code. However, the provided URL provided for the website required a full card number and eand 4-digit card id. The XX/XX/XXXX notification made no mention of my ability to pay by phone, nor mentioned the ability to pay through mail, and provided a limited list of options for paying through XXXX XXXX itsef. I was not able to pay using the new XXXX XXXX system because I no longer had the card information. Moreover, since XXXX XXXX disabled access through their regular web portal between the months of XX/XX/XXXX and XX/XX/XXXX, I was not able to retrieve statements online. As such, my only recourse was to elect for automatic payments through the outside collection agency. When the collection agency changed, the ability to make automatic payments changed. The bottom line is XXXX XXXX was aware that there had been an issue with me receiving statements since XXXX XX/XX/XXXX, as they were notified in-writing by the collection agency assigned to service that account. Yet, they no actions to investigate the mater beyond having the address information verified by that collection agency. Further, they did not conduct a billing error investigation as required under 12 CFR 1026.13 in response to my billing error notification placed with XXXX XXXX in writing by the collection agency on my behalf. The FCBA requires that XXXX XXXX promptly conduct investigations when a consumer files a billing error complaint/dispute. It is unlawful not to conduct an investigation when a consumer notifies a creditor, in this case XXXX XXXX, in writing or electronically. \n\nXXXX XXXX knew there was a billing issue ( trouble receiving statements ) because they sent me a \" How to Print Statements At Home '' e-mail on or around XXXX XX/XX/XXXX. So, they simply didn't care to address the issue UNTIL such a time as the could place the account in a CO status. \n\nSection 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits deceptive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is considered deceptive under the CFPA if it ( a ) misleads or is likely to mislead the consumer ; ( b ) the consumers interpretation of the act or practice is reasonable under the circumstances; and ( c ) the misleading act or practice is material. XXXX XXXX acknowledges sending the account for collection to an outside agency on or around XX/XX/XXXX. I received an e-mail from XXXX XXXX on/around XXXX XX/XX/XXXX notifying me of the transfer to an outside collection agency and was specifically instructed to work with that agency to pay the balance on my account. The e-mail provided the url for the collection agency 's payment system where I was to make payments. Although that same e-mail stated I could continue to pay my bill through the XXXX XXXX, I was provided a url to do so that was different than the normal website. To quote, \" You may also pay your balance online at [ www.americanexpress.com/waytopay ] using a five ( 5 ) digit reference code XXXXX to access the website. '' This XXXXX number was my ZIP CODE. I was no longer able to retrieve statements nor able to log into the web portal through the mobile phone app or website. I now had to pay through the \" new '' url provided -- it required the full account number and the 4-digit card id. I no longer had the physical card because I was told the account was canceled and that upon reinstatement, once the balance was paid-off, I would receive an entirely new card with a different card/account number. The goal of XXXX XXXX was to get the \" pay-over-time '' balance paid off on my account as quickly as possible because they were not making enough money on interest payments to keep the account on the books. XXXX XXXX knew my account was canceled. They knew I would be paying through a different/new website, as their e-mail notified/instructed me of the two ( 2 ) applicable ways to pay : through collection agency payment, through the new/alternative XXXX XXXX website. Any company that creates a web-portal creates use-cases for the different types of users that will log into their systems through that portal. A card-member whose account is canceled is unlikely to keep the card, and is likely to destroy the card for security reasons. Such a user is not able to use an old paper statement to retrieve their account number because the full account number is not printed on the statements -- for security reasons. When a card is destroyed the card-member can no longer retrieve the 4-digit card id. Neither the full account number nor 4-digit card id is given out over the phone due to : security reasons. Therefore, in the course of use-cases, XXXX XXXX knew XXXX or should have known, a card-member with a canceled account would likely be unable to log into the \" new '' website because they would no longer have access to the full account number, or 4-digit id. The deception then occurs in the e-mail notifying of placement, wherein XXXX XXXX would hold they provided the 'credentials ' necessary to log into the this website via the five ( 5 ) digit reference code, establish the website to require the full card number and 4-digit card id to gain access to it. XXXX XXXX would then only need to wait out the clock to charge-off the account and write the amount off or pursue avenues of legal action to recover the alleged amount due. In the process, XXXX XXXX would be able to have an excuse not to reinstate a cardholder upon recovering the alleged outstanding balance, claiming \" Well we even gave the consumer the opportunity to regain card membership AFTER they paid off the remaining balance and they STILL refused to pay. '' Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). 22. An act or practice is unfair under the CFPA if it : ( a ) causes or is likely to cause consumers substantial injury ; ( b ) such injury is not reasonably avoidable by consumers ; and ( c ) such injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ). I am in fact entitled to retrieve/receive periodic monthly statements. If an institution is aware that there has been difficulty receiving statements through mail, then it is unlawful not to provide access to those statements on a periodic basis by other means if those other means are available to other consumers ( cardholders ). As I was not getting statements per mail and was not able to retrieve statements through the online portal because it required a full card number, I was deprived of right of notice under Regulation Z pursuant to the FCBA. I notified XXXX XXXX, as I was supposed to, around XXXX XXXX when I stopped receiving statements. XXXX XXXX records receiving payment WHILE automatic payments were enabled through the outside collection agency. The collection agency was changed at the decision of XXXX XXXX on or around XX/XX/XXXX. I had no contact with that collection agency. The payments were no longer automated. I authorized a payment on or around XXXX XX/XX/XXXX. I still have not received a XX/XX/XXXX statement. patently unfair to penalize a consumer 's credit file when they have no access to be able to inspect their periodic statements and are having trouble receiving those statements by mail. It is not sufficient under Regulation Z for me to CALL XXXX XXXX so they can \" tell '' me what it is I owe. \n\nVerifying the ability to make a payment at some end-point, in this case XXXX XX/XX/XXXX, says nothing about whether a consumer was able to pay through the website or retrieve statements prior to that date. Verifying an address is not a substitute for conducting an investigation and is unlawful under 12 CFR 1026.13. The collective actions taken by XXXX XXXX are set up specifically to place certain groups of card-members ( consumers ) in a position of being held hostage, where the only relief is to authorize XXXX XXXX unfettered  access to one ( 1 ) or more of the consumer 's bank accounts via automatic ACH withdraws and/or to \" trust, '' orally, what an agent of XXXX XXXX says is `` owed '' is indeed accurate without being able to inspect a billing statement. This construction specifically denies a consumer the ability to check a statement itself for errors, overall depriving a consumer the right to dispute the validity of charges, errors, and payment history that is supplied to consumer reporting agencies on a routine basis. The outcome of not \" trusting '' what in this case \" can not be seen or inspected, '' is injury to a consumer by reporting delinquency statuses to consumer reporting agencies that then damages the credit-worthiness of a consumer with other current or potential creditors. The negative history itself can stay in a consumer file for up to seven ( 7 ) years. None of these processes and procedures were established for the benefit of the consumer, nor do they benefit competition. Rather they were established explicitly for XXXX XXXX to be able to reduce their risk exposures to consumers their analytics system can/could determine were most impacted by the pandemic. As many of those individuals are women with small children, or individuals who are temporarily XXXX, and or, completely XXXX, XXXX XXXX is now discriminating in their lending and credit practices against those in at least two ( 2 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002 and Regulation B, and the Americans With Disabilities Act, respectively. \n\nIt is suspect the date the account was allegedly CO by XXXX XXXX was after complaints were filed with the CFPB. That is, complaints were filed within the previous ninety ( 90 ) days preceding the charge-off, making the delay in addressing this matter and subsequent CO appear retaliatory for filing complaints against XXXX XXXX XXXX Such retaliation is unlawful as filing these complaints with a government agency is protected.","date_sent_to_company":"2022-01-13T00:17:26.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"5104800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Gatestone & Co. International Inc.","date_received":"2022-01-12T23:53:38.000Z","state":"MI","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["A card-member whose account is canceled is unlikely to keep the card, and is likely to destroy the card for <em>security</em> reasons. Such a user is not able to use an old paper statement to retrieve their account number because the full account number is not printed on the statements -- for <em>security</em> reasons. When a card is destroyed the card-member can no longer retrieve the 4-digit card id. Neither the full account number nor 4-digit card id is given out over the phone due to : <em>security</em> reasons."]},"sort":[5.261535,"5104800"]},{"_index":"complaint-public-v1","_id":"3305313","_score":4.896257,"_source":{"product":"Debt collection","complaint_what_happened":"This is the history of what happened with Capital One, how they completely mislead me into thinking they were helping me to remove fraudulent accounts from my credit reports and in stead of helping me they deceived me completely and they are still trying to collect even though they know the debts do not belong to me. It started this XX/XX/XXXX when I obtained a free annual credit report for XXXX, XXXX and XXXX. Much to my chagrin I saw accounts that I do not own, name variations, social security number variations and many other items that I quickly disputed over a month ago through the proper channels via US certified mail. I have my receipts. Among the disputed items was the company XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, SC XXXX, phone number XXXX, account number ending in XXXX. This was listed on all of my credit reports showing a false debt in the amount of {$810.00}, with an alleged or supposed date of first delinquency on XX/XX/XXXX. This was and is horrifying to me because I am not their customer nor am I a customer of any affiliates. XXXX XXXX never mailed me, never emailed me and never called me about any account or accounts with them or any other creditor. Their fraudulent information just appeared on my credit reports.\n\nThey did not comply with me or with the credit bureaus within 30 days to validate the debt. Since they did not respond to my dispute I called them to inquire and possibly dispute by phone. They said it was a Capital One account that was delinquent since XX/XX/XXXX and asked would I be scheduling a payment. XX/XX/XXXX is beyond the statue of limitations. I explained that the account did not belong to me and that I needed to speak with Capital One to find out what was going on. When I asked for the name and badge number of the XXXX rep I was speaking with she changed her story and gave a different account number XXXX, different dates and false addresses and insisted that I give her my mailing address and social security number. That was alarming so I ended the conversation with XXXX  and called Capital One and asked them if I had or have an account in my name. They said if I did it could be found a few different ways and when none of the options turned up an account in my name they asked me to verify my social. I was hesitant, but I was under pressure to get this resolved with XXXX. When I gave Capital One my social they discovered 2 accounts for me, which added to my anxiety. They asked if I had any idea who would do something like this and I could not hold it in anymore. I broke down crying on the phone and shared some of the worst things I have ever experienced in my life with a stranger. The Capital One Rep said she was sorry to cause me to relive the trauma, but that she was working to have both accounts removed from all four credit bureaus and needed a good mailing address and phone number to reach me and if they needed anything else from me I could fax it to XXXX. They never called back to request additional information beyond a police incident number. The other account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX account number CAPIT- ending in XXXX  in the amount of {$1900.00}.\n\nI have been very depressed over this because it is difficult to try to have a normal life after years of living in fear that my attackers who made my life a living hell may find me! I decided to check my credit reports online yesterday XX/XX/XXXX and XXXX XXXX XXXX was removed from XXXX and XXXX, so I thought that apparently Capital One kept their word to have these fraudulent accounts removed from the credit bureaus in my name. I called XXXX  again on XX/XX/XXXX to update them and they took me through a frightening series of unscrupulous business practices trying to pry my social security number from me, seeking to collect a debt that is not mine. They know it is not mine even after I explained to them that Capital One assured me on XX/XX/XXXX that they would have the items removed from all credit reports as soon as possible because they verified that none of the addresses or phone numbers or email addresses used to open the accounts belonged to me ...\n\nOn XX/XX/XXXX Capital One said they could see that even the home address listed a XXXX XXXX ... Capital One asked did I know how this could have happened or who could have done this to me ... I explained to them that I am a victim of violent crime associated with gang violence. My personal information was compromised when they stole my IDs and opened accounts in my name.\n\nI am the victim in this circumstance and yet XXXX  threatened to sue me and completely disregarded the fact that Capital One already acknowledged that the information on file does not match anything associated with me and that fraud occurred. I needed help to get XXXX to cooperate. They know I reached out to them almost 3 or 4 months ago with the dispute and so has the credit bureaus. XXXX   needs to be removed from my credit reports and be held accountable for insubordination, non-compliance and corrupt procedures. Please help me! Concerning the statute of limitations, their representative claimed that the debt dates back to XX/XX/XXXX and I noticed how they refused to give her name and badge number as well and did not comment on the fact that-that was withheld from me. They also failed to acknowledge that I called them in XX/XX/XXXX when I first saw fraudulent activity related to this account on my credit reports. They show a lack of compassion. They show greed by any means necessary ... the strong desire to collect a debt that is not mine and a desire to make me go in circles ... a stunt to keep this on my credit reports. They act as if XXXX  did not conduct a thorough investigation, as if XXXX did not contact them stating that the debt is fraud and the result of identity theft and therefore XXXX  removed it from my credit report, along with other related items! XXXX  removed XXXX XXXX from my credit report within the past few weeks the report was refreshed ... XXXX XXXX claims that the first time they received anything from me was on XX/XX/XXXX yet they acknowledged receiving correspondence from the credit bureaus in writing FROM ME ... they failed to mention that they received this information in early XX/XX/XXXX.\n\nInitially, Capital One said they could not find these accounts in my name with the account numbers that were listed on my credit reports ... only after asking for my social security number, drivers license number, date of birth and address on XX/XX/XXXX did Capital One find that I had accounts with them, but they acknowledged that the accounts could not belong to me after asking a series of questions ... there were 3 accounts on my XXXX  credit report related to Capital One and one was listed in good standing though it was not mine! Capital One acknowledged that they are not my accounts on XX/XX/XXXX they opened a case and assured me that they would remove them from my credit reports and no longer seek to collect the debts.\n\nYet one of the collection agencies that they sold one of the debts to was giving me opposition on every hand, XXXX XXXX.\n\nI noticed that XXXX XXXX also failed to admit this and that ALL of the contact information linked with the account does not match any information linked to me. This is conveniently evasive of XXXX XXXX. They are transparent. Does it make sense that the first time they have been contacted by me was XX/XX/XXXX? Perhaps that is a typo and they meant to say XX/XX/XXXX or XX/XX/XXXX ... maybe it is an oversight. Otherwise, it is gross negligence on their part.\n\nI need help to resolve all of this once and for all.\n\nNow to make matters worse Capital One is not properly communicating within their various departments to help resolve this completely. XXXX was taken care of properly, or so I thought, but not XXXX XXXX XXXX- my credit report from XXXX in XX/XX/XXXX shows 3 accounts for Capital One. Two were collection accounts and one was showing good standing pays on time. I disputed all 3 and 2 out of three were removed. The problem is Capital One listed the same fraud debt twice. I have a copy- as if trying to double dip or collect twice on a fraud debt. This is illegal. They already acknowledged that the accounts were fraud to me on XX/XX/XXXX and to XXXX and removed the one in alleged good standing that said pays on time, but left the one they sold for the same debt to XXXX XXXX XXXX and now companies harass me and worst of all Capital One changed the address associated with the dispute to the address linked with the account. I confronted them because they and the credit bureaus said the address on file listed a XXXX XXXX as the residence so the accounts or applications should have never been approved by Capital One.\n\nFurther more, when confronted, they changed their story claiming that the address listed from the disputes through the credit bureaus was the one used to open the accounts, which is false! They already told me that XXXX XXXX were used and listed as a residence on the applications. Either they are completely deceitful and took advantage of my dispute contact information that I used when disputing through the credit bureaus and through the XXXX  and switched it in their system or this is a nasty oversight. Then again, they could have lied to me on XX/XX/XXXX about helping me and used all of the valid information they said they needed in order to find the accounts, because they claimed that the account numbers I gave them from the credit reports did not pull up any accounts for me in their system.\n\nThey are caught because when I disputed with XXXX, I used my parents address to communicate about the disputes to Capital One. That is when another collection agency, XXXX XXXX XXXX, that bought one of the debts from Capital One sent alleged information about the account to my parents house and all of the addresses on their documents from Capital One list a XXXX XXXX shown as a residence and none of the information matches any address, email or phone number of mine. Either way, I need them to remove this from my credit reports with all 4 credit bureaus and never attempt to collect again.\n\nToday, XX/XX/XXXX, I found a piece of mail from Capital One concerning the debt they sold to XXXX XXXX. After acknowledging that it is fraud, Capital One is now back in control of the debt and informed me that the account has not been changed and now it will be handled by Capital One Corporate Office who is seeking to still collect an {$810.00} debt that is the result of identity theft.\n\nIt is evident that Capital One is not trying to help me, but deceive me and the consumer reporting agencies.\n\nUnfortunately, I am forced to open up and explain what has really been going on from XX/XX/XXXX-XX/XX/XXXX. I have been a victim of violent crime. There have been repeated attempts by the attackers to take my life. They have shot up the home where I take care of my senior citizen parents. The restraining order listed addresses and phone numbers that they were ordered to avoid and they retaliated over the years with more violence, so this is why I travel a lot- hiding while different relatives take care of my indigent parents.\n\nI have been threatened and intimidated by these criminals, I have lived in fear and would like to try to overcome and get some control over my life ... salvage any relationships I have with family and friends.\n\nSome day I intend to apply for my first pre-approved credit card. I was hoping it would be soon, but after the way Capital One mishandled these issues and thieves have assumed my identity ( and my parents ) and have made it difficult to have a normal life, I do not know if I will ever be able to proceed.\n\nMy identity and the identity of my parents have been stolen and though I was involved in data breaches with my bank, with XXXX  and XXXX XXXX XXXX, Hurricane Harvey hurt us and past Tropical Storms and floods were a nightmare.\n\nPlease imagine how it seems impossible for me and my parents to recover from crimes committed against us on top of everything else.\n\nThe biggest problems have come from the men and women who have tried to take my life and shoot up anyone who might be inside of the house.\n\nThey stole from my bank accounts time and time again or made unauthorized purchases online according to the banks ... my credit reports are riddled with variations of social security numbers, addresses, phone numbers, names and fraudulent accounts.\n\nThe dispute process is very meticulous and draining. My parents credit reports are the same. Step by step we are trying our best to report to the necessary agencies and seek help, but in a way to avoid harm coming our way again, if possible.\n\nYou have no idea how often my bank accounts have been hacked, compromised, robbed or account information changed concerning billing and change of mailing addresses without my prior knowledge, consent or doing.\n\nThis year alone, they wiped out my accounts and my parents bank accounts and savings, too. They have opened store accounts and credit accounts in our names and these items appeared on our free annual credit reports. XXXX  issued an extended fraud alert to all credit bureaus on our behalf. We are advised to report to the Federal Trade Commission and also to the Consumer Financial Protection Bureau.\n\nThis is challenging because it is not worth dying to report their names to law enforcement again!\n\nPlease let me know what you need from me so that I may receive your assistance with my requests. I have attached a few documents, a 4-page PDF needs to be submitted separately but some correspondence from these companies and collection agencies are included.\n\nOnly The 4 page PDF is not to be viewed by Collection Companies. It is not to be viewed by any of the businesses involved because I sent the PDF to XXXX with too much personal information. Then I had to send more information regarding Capital Ones latest deception concerning trying to still collect the debt from XXXX XXXX through the Capital One Corporate office.\n\nThe 4 page PDF also explains the situation to XXXX about how another company has been giving me the run-around, not responding to calls or when answering leaving me on hold for hours and then disconnecting the call ... leaving a number to contact them, but no one answers and voicemail does not work. I am also suspicious that they are using robots and or computers to generate generic responses that do not address the seriousness and urgency of my situation.\n\nBy the way, Capital One and other credit card companies have supposedly pre-approved me for credit cards, but after this I would never consider doing business with Capital One and in stead will opt to accept an offer from a different company- though with the mess that Capital One has made is making the odds less favorable for me to establish what would be my first credit card, should it go well.\n\nCapital One disregarded the police incidents that were filed by me over the years. Perhaps they will take the one filed by my Mother seriously and help me this time by clearing my name of these fraudulent debts permanently. A copy of that report number and slip is attached. Once we saw all of this on our credit reports and bank accounts were targeted around the same time my Mom took action this time and she is too fragile to be upset all over again and too elderly to be robbed of her savings and living in constant fear of more retaliation.","date_sent_to_company":"2019-07-13T04:55:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"770XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3305313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-13T03:19:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["They asked if I had any idea who would do something like this and I could not <em>hold</em> it in anymore. 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