{"took":174,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7651676","_score":29.32527,"_source":{"product":"Credit card","complaint_what_happened":"General issue : Credit card company determined a large charge was fraud but did not remove the charge from my balance. \n\nThis is in regards to a Best Buy Citi Platinum Visa. On XX/XX/2023 I received a fraud warning that originated ( I believe ) with the card issuer 's Consumer Protection Dept. about potential fraudulent charges on my card. I confirmed I did not authorize the charges and had no knowledge about them. They terminated my card and sent me a new one while investigating {$720.00} in charges from XXXX XXXX and XXXX at a hotel in XXXX XXXX, XXXX, while I was in another state. \n\nOn XXXX, XXXX, I received a letter from \" Security Operations '' delivered to my Best Buy Visa account that says \" We recently spoke to you about suspicious activity that was attempted on your My Best Buy Visa Platinum. We have good news! After completing our investigation, the attempted authorization ( s ) have been determined not to be yours and have been declined. None of these charge ( s ) have posted to your account. '' I then activated the new card they sent me. \n\nOn XXXX XXXX, I checked the card balance and the {$720.00} in fraudulent charges were posted to the account as due by XXXX XXXX. I called the customer service number and they were unable to explain the discrepancy and, after a long interval, transferred me to the Security Operations Department. I spoke with \" XXXX '' who gave me an employee number of XXXX ( she would not tell me her full name ), and described the Security Operations as a \" middleman '' working on my behalf to address my concerns. She said it was now necessary to launch an entirely new investigation that will take 90 days -- despite the fact that the Security Operations Department had already completed the first investigation and determined the charges to be fraudulent. I asked her repeatedly what had gone wrong and she would not respond with an answer. \n\nThe first investigation has already determined these charges to be fraud within XXXX  days. Why is their procedure to launch a lengthy repeat investigation when they have already determined this to be fraud? In the meantime, the charges remain on my account.","date_sent_to_company":"2023-10-05T17:37:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20853","tags":null,"has_narrative":true,"complaint_id":"7651676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-10-05T16:55:35.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["She said it was now necessary to launch an entirely new <em>investigation</em> that will take 90 days -- despite the fact that the <em>Security</em> <em>Operations</em> <em>Department</em> had <em>already</em> <em>completed</em> the <em>first</em> <em>investigation</em> and determined the charges to be fraudulent. I asked her repeatedly what had gone wrong and she would not respond with an answer. \n\nThe <em>first</em> <em>investigation</em> has <em>already</em> determined these charges to be fraud within XXXX  days."]},"sort":[29.32527,"7651676"]},{"_index":"complaint-public-v1","_id":"7448896","_score":24.677073,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I received an email that said I had a credit card on the way from Best Buy XXXX. Looking further into email, I found a duplicate receipt was emailed to me on XX/XX/XXXX with a purchase of an XXXX XXXX and an XXXX XXXX, totaling {$1700.00}. As I didn't initiate this credit card application, nor did I make those purchases, I called Best Buy Credit on XX/XX/XXXX to open a case. As it was the weekend, all they could do was close the account, but couldn't put me in contact with their security operations department to open a case. I called again later in the week and answered some questions they asked me to initiate the case. They told me it could take up to 90 days to complete the investigation. Shortly thereafter, I received the credit card in the mail. \n\nMeanwhile, I also filed a complaint with my local police department, XXXX XXXX police XXXX XXXX XXXX was updated with this fraudulent account ( as this was the second account opened fraudulently within a week, and I had already opened a complaint with them for the first. XXXX on the first XXXX is under CFPB Complaint ID XXXX. ) I also put a credit freeze with all XXXX credit bureaus at this time. \n\nI just called Best Buy XXXX for an update, and they said this is still under investigation.","date_sent_to_company":"2023-08-24T13:40:35.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"194XX","tags":null,"has_narrative":true,"complaint_id":"7448896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-08-24T13:07:37.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["As it was the weekend, all they could do was close the account, but couldn't put me in contact with their <em>security</em> <em>operations</em> <em>department</em> to open a case. I called again later in the week and answered some questions they asked me to initiate the case. They told me it could take up to 90 days to <em>complete</em> the <em>investigation</em>. Shortly thereafter, I received the credit card in the mail."]},"sort":[24.677073,"7448896"]},{"_index":"complaint-public-v1","_id":"6718737","_score":18.878834,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX there was a fraudulent charge on my best buy credit card. I had not used this credit card since the previous year in XXXX of XXXX, and the card had been completely paid off. The fraudster had somehow gotten access of my card and account information and used it to purchase a XXXX blender for the total of {$280.00}. They also attempted to purchase other items, but those did not go through. When I received the email confirmation about my order, I immediately went to my online account to cancel it. By this point I was unable to cancel the order and the button was grayed out for me to do so. I called the Best Buy customer service number and informed them of this fraudulent purchase. The service representative assured me that this would be looked into and that my account would be closed, they also asked me if I wanted the current account closed and a new one opened, as well as a new credit card issued to me. I said NO, as I had the previous card paid off already and did not have further plans in using their services. About a month later in XXXX on the XXXX I called again to check the status of the fraudulent case as I had received an email of by card statement and it's due date. The representative that I spoked to informed me that the first account was closed, but the second account was open. Although I had said no to a second account being opened in my name, the first representative I spoke to in XXXX did so regardless. I asked the representative I was speaking to to close the second account as well, and they informed me that the investigation was underway and to not pay the balance on the account. I followed those instructions, and continued to not pay this balance. I called again in XX/XX/XXXX regarding the update to this, but they had acted like I did not inform them of this in the first place. By the final time I called on XX/XX/XXXX I requested to speak to the fraud department with citibank that best buy credit card services are contracted under. I informed the agent of everything that had happened, and she told me that she would flag this for investigation. On XX/XX/XXXX Best Buy security operations sent me a letter that they had completed my investigation and based on their review I was responsible for the charges due to the fact that I did not identify disputed transactions. This is completely false as I had only one transaction on the credit card and informed them of the item purchased and the total for it!","date_sent_to_company":"2023-03-19T17:47:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"97222","tags":null,"has_narrative":true,"complaint_id":"6718737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-19T17:07:38.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX Best Buy <em>security</em> <em>operations</em> sent me a letter that they had <em>completed</em> my <em>investigation</em> and based on their review I was responsible for the charges due to the fact that I did not identify disputed transactions. This is completely false as I had only one transaction on the credit card and informed them of the item purchased and the total for it!"]},"sort":[18.878834,"6718737"]},{"_index":"complaint-public-v1","_id":"5697890","_score":9.842096,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Description of Scamming Incident : On XX/XX/XXXX at XXXX XXXX, I, XXXX XXXX, received a phone call from Phone Number XXXX. Upon pickup an automated message was played stating that it was a phone call from Florida XXXX XXXX, my, XXXX XXXX, Utility company and that my electricity was schedule to be disconnected at XXXX XXXX due to non-payment on account. The automated message then gave me an option to press a button ( I believe the # 1 ) to speak to an agent in the financial department to avoid disconnection. \n\nCharge I of {$490.00} : I was then transferred to a person, alleging to be an authorized agent, who stated that my account was delinquent in the amount of {$490.00} and had to be paid and processes today, before the scheduled XXXX disconnect time, to avoid disconnection of my power. Since the call was a bit unusual, I asked for the Caller 1 to confirm my account number. The Caller 1 said he could not pull up my full account information because of a block in the system associated resulting from my non-payment. He then said he could see my meter number and proceeded to read off a meter number. I was not at my home at the time to verify and proceeded with the conversation. \n\nI told the Caller 1 that I wished to pay to avoid the disconnection and informed him I would pay via my typical means, through the online portal. He informed me that such a payment would not process for two-three days, which would be too late to avoid disconnection. He then further suggested that my two options were to pay in person at the Florida XXXX XXXX headquarters on XXXX XXXX in XXXX XXXX or pay through the XXXX banking application. \n\nI informed him that I would like to pay in person at my local branch in XXXX, but he informed me they only took drop off payments and did not have cashier personnel located at the XXXX office. I then drove to the XXXX office, while on the phone with the Caller 1, and verified that this appeared to be the case ; that the XXXX office did not appear to have cashier personnel available. I further verified that the XXXX XXXX XXXX was indeed on XXXX XXXX in XXXX XXXX and looked at my latest billing account from Florida XXXX XXXX. This level of accuracy regarding Florida XXXX XXXX operations, along with the previous meter number provided, along with the information I was able to, hurriedly, gleam and collaborate from my Florida XXXX XXXX and bank accounts influenced me to move forward with the transaction. Considering I leave an hour or more from this location, I informed the Caller 1 that I would need to pay through XXXX. \n\nThe Caller 1 then proceeded to provide me with instructions on how to pay through XXXX. He asked for my bank name ( SunTrust/Truist ) and then provided detailed instruction on how to use the baking application to submit the XXXX transfer XXXX He instructed me to open the banking application, select the transfer/pay menu option, then select the Send money with XXXX then select the Send Money option, then the Add New Recipient option, then to type in my name into the first and last name field options, then to select the Add Mobile Number Option and ad the number XXXX, then to enter the delinquent amount owed of {$490.00}, then to confirm the purchase. He then stated I would get confirmation that this was sent to an account enrolled with XXXX. I received the confirmation and notified the Caller 1. Caller 1 then asked that I screenshot the confirmation and text to phone number XXXX. I followed these instructions and Caller 1 confirmed receiving my payment. \n\nCharge II of {$990.00} : Upon receipt of the {$490.00} payment Caller 1 informed me that the next step to keep my power from being cut off at XXXX was to pay a security deposit of {$990.00}. He informed me that I should have received a memorandum from Florida XXXX XXXX outlining this requirement, as it had been newly implemented due to increased late/no-payments occurring associated with COVID-19 epidemic. He informed me that this payment would need to be made with the Disconnections Department and transferred me to Caller 2. Caller 2 then re-explained the charge to me at which point I, XXXX XXXX, began to contest the charge, stating that it was unfair practice, considering I have historically made on-time payments, and since my latest billing statement indicated my bill was due on XX/XX/XXXX, which would mislead to believe my power was in danger of being shut off. Caller 2, who identified himself as XXXX, empathized with this miss-communication and, considering these circumstances, suggested that I send the {$990.00} to avoid the disconnection scheduled for XXXX and said that the {$990.00} could be refunded tomorrow ( XX/XX/XXXX ) if I setup automatic payment moving forward. Based on this false information, I agreed to transfer the {$990.00}, following the same instruction as in Charge 1 ; including XXXX instructions and texting confirmation. Caller 2 then asked that I text him my latest bill from Florida XXXX XXXX showing my bill due date, stating that all correspondence from Florida XXXX XXXX should have a cutoff date listed on them in pending disconnect situations. Upon receipt of my billing statement, Caller 2 remarked that he did not see a cutoff date listed and that something seemed weird with my account ; in addition, I commented that I found receipt of payment for months that were alleged to be late by Caller I. Caller 2 then asked me to pause while he investigated the situation. After several minutes of waiting, he said he was able to recognize a billing error on there end and said he would work with me to have all of my money refunded.\n\nCharge III of {$490.00}. Caller 2 from the Disconnection Department then transferred me back to Caller 1 from the Finance Department to execute a refund of my money ; for Charges I and II. Caller 1 instructed me that they would be refunded separately. He then asked me to follow the same XXXX instructions ( previously provided in Charge I ), except to put the word Refund Dept in the name field and the code XXXX in the memo field, and enter in the amount of Charge II first ; the {$990.00} amount. I attempted this and was not allowed to make the transaction as the XXXX application notified that I had exceeded my daily limit of transfer. He then suggested that we begin by refunding the Charge I, in the amount of {$490.00}, to free up room in my XXXX transfer allowability. I followed the instructions, indicating refund department and code provided, and submitted through XXXX. He confirmed receipt and then suggested we move on to refunding Charge II, however, in the meantime I was able to pull up Florida XXXX XXXX website, where I learned that what I was experiencing was a common scam. The website further instructed customers to ask four questions of callers that all Florida XXXX XXXX agents should always be able to answer. I informed Caller 1 of what I had read and asked him these four questions. He continued to state that my account was locked and he could not provide this information but proceed to provide me alternative information. I responded to this by stating I would not proceed with this phone call if he could not answer these questions, upon which Caller 1 hung up the phone. \n\nImmediate Follow-up Action : After Caller 1 and I, XXXX XXXX XXXX came to the realization that I had been a victim of a scam, I called the Truist customer service number to notify them of the activity. I was informed by the Truist representative that the charges were pending and was instructed to wait until the charges posted to file a claim with the Truist fraud department. Not fully satisfied with the response and wanting to speak with someone in person, I proceeded to the local Truist branch in XXXX, FL, at approximately XXXX, roughly 30 minutes following the conclusion of the scam phone call and 45 minutes before the XXXX Truist branch was scheduled to close, at XXXX XXXX XXXX XXXX ). At the time of arrival to the XXXX branch the scam charges were still pending to my account. \n\nUpon arrival to the XXXX branch, I spoke to a banker ( last name XXXX ) and explained my situation. I informed her that the charges were still pending, and asked if I could close my account, open a new account, and move my available balance into that account and somehow avoid the pending charges. XXXX XXXX informed me this was not possible and, similarly to the customer service represented, indicated all I could do was wait for the charges to post and then file a claim with the Truist Fraud Department. \n\nWhile talking to XXXX XXXX, my wife, XXXX XXXX, located a posting on the Truist websites Understanding Fees link, under Stop Payment Fee section, that states If you need to stop a transaction before its complete, like a check youve written, a pending ACH transaction, or even a XXXX transfer, a {$35.00} fee will be issued. When brought to XXXX XXXX attention, she indicated that she was not familiar with the option to stop a XXXX transfer that was in pending status. XXXX XXXX then called banker support and spoke with a XXXX specialist regarding this option, who, upon best understanding, indicated they were unfamiliar with such and option. It should also be noted that XXXX XXXX had poor connection with the XXXX representative, who continuously said she could not here XXXX XXXX, despite XXXX XXXX noting that this was XXXX, that she had not experience any disruptions in communications with any other support services that day. \n\nXXXX XXXX then stated there was nothing that could be done or, if so, she did not know how to execute the stop payment. I then asked XXXX XXXX if I could, for security concerns, close my account and reopen a new one, keeping funds for the pending charges in my existing account. XXXX XXXX said I would need to make an appointment for the next day ( XX/XX/XXXX ) to do this. Aggravated by the inconsistent information between the website and the banker, I frustratedly, but without insult or slander, stated that I would like to close my account. XXXX XXXX, responding to my frustration, stating ( with a rude tone ) that I would need to come back tomorrow to do that as well, stating that it was XXXX and she needed to pickup her daughter. XXXX XXXX made no attempt to find another associate to assist me even though other associates were present and other customers were still in the lobby. \n\nWhile I was conversing with XXXX XXXX, my wife, XXXX XXXX, who is listed on my account, called Truist customer service regarding the stop payment options listed on the Truist website. On her first call attempt, my wife, XXXX XXXX, was connected to a representative who her on hold and then hung-up the call. My wife proceeded to call back, was connected to a representative, and was subsequently transferred to 5 different representatives ; none of which were familiar with the stop payment option and were unable to provide any assistance. The last phone transfer was to the XXXX department, who referred my wife to the fraud department, which at this point was closed for business. This, in-turn, left us with no options, but to wait until the next day ( XX/XX/XXXX ) to address, when the charges would be already posted to my account. \n\nSubsequent Follow-up Action After being unsuccessful in stopping the pending payment, once the payment posted to my account the next day ( XX/XX/XXXX ), I reached out to the Truist fraud department and filed a claim. I was asked to complete the Truist ATM/Check Card/Electronic Check/Error Resolution form and to file a police report, both of which I completed and returned to Truist via email that same data. The police report is registered with the XXXX XXXX XXXX XXXX in XXXX, Fl. The assigned officer is XXXX XXXX XXXX. The report number is XXXX. \nAfter analyzing my claim, Truist responded in a letter dated XX/XX/XXXX stating that my claim had been reviewed and, in that letter, an opinion was rendered that no error occurred and, as a result not funds, would be deposited into my account with the basis provided that the fund transfer was authorized. \nI contested this claim based on my interpretation of the definition of an unauthorized payment according to Regulation E, considering the fraudulent access to my phone number, fraudulent access to my utility information, and the misrepresentation of the caller ( scammer ). Truist claimed to do a second-level review based on my contesting and arrived at the same conclusion ... that the payment was considered authorized. \nTruist did inform me that they were able to recoup {$660.00} ( of the {$1900.00} claimed ) from the financial institution to which the money was wired, but informed me I they would not recoup the additional {$1300.00}","date_sent_to_company":"2022-06-22T19:55:37.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"324XX","tags":null,"has_narrative":true,"complaint_id":"5697890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2022-06-22T19:24:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Caller 2 then asked me to pause while he <em>investigated</em> the situation. After several minutes of waiting, he said he was able to recognize a billing error on there end and said he would work with me to have all of my money refunded.\n\nCharge III of {$490.00}. Caller 2 from the Disconnection <em>Department</em> then transferred me back to Caller 1 from the Finance <em>Department</em> to execute a refund of my money ; for Charges I and II. Caller 1 instructed me that they would be refunded separately."]},"sort":[9.842096,"5697890"]},{"_index":"complaint-public-v1","_id":"6594897","_score":9.737724,"_source":{"product":"Checking or savings account","complaint_what_happened":"Imposter Fraud XXXX and Wire transactions Day 1 : On XX/XX/XXXX, I was using my personal laptop to open a Roth IRA account with XXXX. After I transferred the money from my bank into the Roth IRA accounts, I was attempting to access my school retirement website, again using my personal home XXXX  laptop. I was getting a security message site unsafe. I was able to get on this site using my school XXXX laptop, so I used XXXX search to look up the number for XXXX Support/Help thinking something was wrong with my personal home laptop. XXXX XXXX answered the phone introducing himself as an XXXX agent and determined my laptop was hacked and they already were getting into my bank account. Because I was using my laptop less than an hour ago to transfer money from my checking and savings account and because I was getting a security alert on my retirement webpage, I assumed he was correct that my computer was hacked, they accessed my bank information, and that what was causing the site unsafe message to come up when I tried to get into my retirement account. He transferred me over to XXXX XXXX who gave me his phone number ( XXXX ), his XXXX employee number ( XXXX XXXXXXXX ) and a case number ( Case # XXXX ) He told me he was an associate of the fraud department for XXXX Support. He told me my laptop and phone had been hacked and asked me to delete every app on my phone I do not use so he can check the ones that are left to see what apps they had access to. \nAfter I did that, he determined that someone had access to my emails, XXXX and Citibank apps. He said they were withdrawing money and we would immediately need to start making dummy accounts for the same amount of money made out to the person who was withdrawing the money which would block their transfer from being withdrawn. He asked me to put the app XXXX on my phone so he can screen share with me and talk me through how to transfer the money. XXXX said there were 4 withdrawals in progress coming from XXXX, New Mexico, XXXX and Nevada. Once he was screen sharing with me, he asked me to go into my Citibank app and showed me how to set up a XXXX account. He then told me step by step how to transfer {$500.00} from my checking account through XXXX to XXXX XXXX. He then took me through the steps on my Citibank account webpage on how to wire {$15000.00} from my savings account to XXXX XXXX. In the notes for each transaction, he instructed me to put CAP and that code would be recognized by the bank to block this transaction and the hacked withdrawal requests. \nHe then asked me to go to my text messages/email and open the text messages/emails that were sent by Citibank. He was still screen sharing and saw Citibank was asking if I authorized the transfer he told me to press 1 for yes. I also got a fraud alert text from Citibank asking if I was aware of the money being taken out he told me to click on Yes. Then XXXX told me to immediately delete the texts and emails so the people hacking my account cant read them. He told me the emails and texts came so quickly because they were fake Citibank messages that the hackers send out so they can determine if I am trying to block the transaction. XXXX told me to answer both as if I was aware of the transactions so we could confuse the hackers and keep them active in trying to access money since he was working with the FBI and the longer they stay active, the better chance they can track where the hackers are and get a conviction. \nXXXX sent me text messages with name/bank information. These text messages were gone after I went into the XXXX store to have a complete factory reset done on my phone to eliminate anything that may have been installed on my phone through the XXXX app. ( per XXXX support recommendation ) but I took screenshots of the transactions and can provide the information for most of the transactions made if needed. After each wire transaction, XXXX told me I should expect a phone call and if that comes, I should say I know the person I sent the money to, that the person did renovations on my home and the money wired was payment for that work. XXXX told me to give the person all the information they asked for, including bank account XXXX XXXX XXXX XXXX He told me with the XXXX app I installed, he would be able to listen and track any calls I get. Since our dummy transactions blocked the money from leaving my account, giving the hackers my bank information could do no harm. XXXX told me he was working closely with the FBI and telling the hackers on the phone that I knew the person I wired money to would confuse the hackers and give the FBI more time to keep investigating and get a conviction. I never received a phone call that showed up as unknown on my phone that XXXX was expecting. XXXX told me he had a 90 % conviction rate of all cases he handles and because I caught the hackers before they actually were able to obtain the money from my account, the FBI would have a much better chance of convicting them. He said they already found and convicted one of the hackers and were close to catching another. \nDuring this whole time, he told me not to open my laptop and not to open my Citibank accounts because if I did, it would open my bank accounts up to more people who were stealing my money. He warned me not to tell anyone about this because many times this crime is committed by someone the person knows possibly a relative or a roommate who might have access to banking information. XXXX told me since I was hacked, he would be installing an XXXX protection system on both my laptop and XXXX, a strong protection installation that people usually have to pay for. It will protect me from this ever happening again. But until that was put on, my devices were still at risk, thus, dont open my Citibank account. The protection system would have to wait to be installed until we set up all the dummy accounts to block the hackers. \n\nDay 2 : The next day, XX/XX/XXXX, XXXX XXXX talked me through another XXXX transfer from my checking account to XXXX XXXX for {$500.00}. When Citibank confirmation came in my email, he had me open them, then immediately delete them and then delete them from trash. XXXX said the hackers can read my emails and we dont want them to see that the transfer went through. He then talked me through another {$15000.00} wire transfer from my savings account to XXXX XXXX and once again had me read, say it wasnt fraud then delete all texts and emails from Citibank concerning those transactions. He then asked if I could take a picture of my drivers license front and back and text that to him so he could use it for security to block a business trying to withdraw money. That is the transaction that I did not take notes on as far as how much was being wired. He gave me the name of XXXX XXXX from XXXX XXXX sent through a XXXX Routing Number from the XXXX XXXX XXXX XXXX. I do not have notes indicating what the money amount was for this transaction and I have not seen any money being withdrawn from my checking or savings account under this name. \nHe then asked me to again go to my text messages/email and open the text messages/emails that were sent by Citibank. He was still screen sharing and saw Citibank was asking if I authorized the transfer he again told me to press 1 for yes. I also got a fraud alert text from Citibank asking if I was aware of the money being taken out he again told me to click on Yes. Then XXXX told me to immediately delete the texts and emails so the people hacking my account cant read them. He pointed out some information in the texts that identified them as being sent from hackers and not from Citibank. Again, confirming I agreed to these transactions to the fake Citibank texts were done to confuse the hackers giving the FBI more time to find them and convict. \nXXXX again sent me text messages with name/bank information. After each wire transaction, he told me I should again expect a phone call and if that comes, I should say I know the person I sent the money to, that the person did renovations on my home and the money wired was payment for the work. He again told me to give the person all the information they asked for, including bank account numbers/social security numbers . He told me with the XXXX app I installed, he would be able to listen and track any calls I get. Since our dummy transactions blocked the money from leaving my account, giving the hackers my bank information could do no harm. XXXX told me he was working closely with the FBI and telling the hackers on the phone that I knew the person I wired money to would confuse the hackers and give the FBI more time to keep investigating and get a conviction. I never received a phone call that showed up as unknown on my phone that XXXX was expecting. XXXX told me he had a 90 % conviction rate of all cases he handles and because I caught the hackers before they actually were able to obtain the money from my account, the FBI would have a much better chance of convicting them. He said they already found and convicted one of the hackers and were close to catching another. \nDuring this whole time, he told me not to open my laptop and not to open my Citibank bank accounts. He warned me not to tell anyone about this because many times this crime is committed by someone the person knows possibly a relative or a roommate who might have access to banking information. \n\n\nDay 3 : The last wire transfer was on Thursday, XX/XX/XXXX XXXX XXXX talked me through sending XXXX XXXX {$20000.00} from my savings account and reading/saying I knew of transfers and it wasnt fraud/deleting Citibank alert emails and texts. ( see day 1 and 2 for explanation on why he had me do this ). Shortly after this transaction, I called my boss at work to inform her I was running late and told her what was happening to my bank account that I was being hacked and XXXX  Support was helping me block the transactions and working with the FBI to catch the people who had access to my bank account. My boss mentioned what was going on to a co-worker who then called me and said a friend of hers had something similar happen and it was fraud they were using her to access her bank account to steal her money. She advised me to call XXXX ( and gave me a correct XXXX XXXX phone number. ) I called XXXX and after giving them the first three numbers of XXXX XXXX Case number, they said that is not an XXXX Case number and I should immediately call my bank. I then received a text message from XXXX XXXX telling me that they have evidence that someone I know is one of the hackers with access to my bank account and I should call him immediately so he can give me the information. ( my co-worker called XXXX from her work phone and yelled at him for stealing money, which is why XXXX texted me about a friend in on the sceme ). I blocked his phone number and began receiving phone calls from XXXX XXXX, CA ( XXXX ) and XXXX TX ( XXXX ) which I also blocked. I immediately called Citibank and reported the XXXX and wire transactions and they eventually locked both my checking and savings accounts. When I called Citibank I had a hard time getting through to the fraud department since my call kept dropping. I began asking for a direct number and giving my phone number to associates in case they lost the call while I was giving information. There were times where the Citibank associates said my account didnt exist and wouldnt put me through to the fraud department. Citibank can go through the recorded phone calls I made that evening begging them to not drop my call again because earlier in the evening when I began trying to contact Citibank, the last wire transfer did not clear yet and I was hoping they could block that transaction before it went through, but because of how difficult it was ( and time consuming ) to get to the right department, the last wire transfer cleared and was not able to be blocked. \n\nI opened a new checking account with Citibank on Saturday, XX/XX/XXXX and transferred what was left from my savings into the new checking account so the hacked accounts would have a XXXX balance. I also went to the XXXX XXXX and had a complete factory reset done on my phone ( per XXXX XXXX recommendation ) in case the XXXX app installed a profile or something to continue tracking my activity on my phone. \nI reported this to the XXXX Police Department on XX/XX/XXXX, the FBI on XX/XX/XXXX and the Federal Trade Commission, the Federal Bureau of Investigation on XX/XX/XXXX and the Office of the Attorney General, IL. I also sent Citibank notarized Affidavits of Unauthorized Online Wire Transfers on XX/XX/XXXX per their request through a letter I received in the mail from Citibank. A separate affidavit was sent for each of the 3 wire transactions. I also sent Citibank a complete explanation of the XXXX transactions per their request over the phone when I requested my first appeal. \n\nCitibank response Citibank Response : XXXX XXXX- I reported this fraud scam to Citibank on XX/XX/XXXX. They told me to report to the Police and to the FBI. Those reports were to be used to help prove this was a criminal case of XXXX. Citibank told me the investigation would take 30 90 days and I should expect an agent to call me to gather more information before a decision would be made. I received a letter from Citibank dated XX/XX/XXXX denying my XXXX claims citing the activity appears to be consistent with your normal banking activities. I immediately called them and questioned how this activity was consistent with my banking activity when I never had a XXXX account before in my life ( since the scammer had to screenshare to help me set up the account ) and to ask if they even took the time to investigate what happened since a decision was made in only 5 days. The associate re-opened my case for an appeal and asked me to send in a written document of exactly what happened which will be attached to my appeal for reconsideration. I faxed that directly to the Retail XXXX Operations Department of Citibank and was told it may take up to 45 days to investigate. They received my inquiry on XX/XX/XXXX, and once again, 6 days later, sent me a letter dated XX/XX/XXXX saying after additional review of my case, we maintain our position to deny your claim. I called requesting a 3rd appeal which was once again denied in a letter dated XX/XX/XXXX. The letter states that You are entitled by law to obtain copies of the information used in our investigation. When I received the letter on XX/XX/XXXX, I called Citibank and requested this information which I assume will prove on their end that this was consistent with my normal banking activities and show my previous XXXX activity ( which there is none ). I have not received any letter from them yet with this information. \n\nCitibank Response Wire Transfers : I recently received a letter from Citibank dated XX/XX/XXXX stating they also denied the transactions for the total amount of {$50000.00} stating : We have completed our investigation of your fraud claim and the decision was based on : Claim was denied due to the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam.","date_sent_to_company":"2023-02-20T21:57:02.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"60657","tags":"Older American","has_narrative":true,"complaint_id":"6594897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-02-20T20:53:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I faxed that directly to the Retail XXXX <em>Operations</em> <em>Department</em> of Citibank and was told it may take up to 45 days to <em>investigate</em>. They received my inquiry on XX/XX/XXXX, and once again, 6 days later, sent me a letter dated XX/XX/XXXX saying after additional review of my case, we maintain our position to deny your claim. I called requesting a 3rd appeal which was once again denied in a letter dated XX/XX/XXXX."]},"sort":[9.737724,"6594897"]},{"_index":"complaint-public-v1","_id":"14369012","_score":9.387254,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"b'Summary of XXXXTestimony\\nXXXX Testimony \\n\\nXXXX XXXX XXXX XXXX  contacted me and offered me to work full/part time online position and earn XXXX. Requirements US citizen or Permanent Resident age XXXX XXXX XXXX XXXX XXXX contacted me and mentioned that I can earn at least XXXX  a month steadily and she even mentioned She said that it is a flexible online remote work working hours are XXXX XXXX XXXX She said that I can get paid from XXXX XXXX XXXX XXXX  She said that XXXX XXXX XXXX XXXX XXXX XXXX where app developers publish their apps on XXXX XXXX XXXXm. The company has XXXX XXXX  that helps apps generate data and traffic. She said that Our job responsibilities: Like apps published by app developers on the XXXX XXXX every day to increase the apps ratings, ranking exposure and purchases, just like we usually do on XXXX XXXX XXXX they need Get more views and likes to attract more followers She also said that I have a great part-time online job to share with you. All you need is a phone or computer to start this job right away, and our hours are XXXX XXXX XXXX XXXX, but you can start anytime during that time. Once you get familiar with the job, it only takes about XXXX XXXX XXXX  minutes per day. Once the job is completed, you will be paid immediately and the money will be withdrawn to your bank account. Daily pay ranges from XXXX XXXX XXXX XXXX  salary is divided into basic salary and commission Basic salary: complete 2 sets of tasks every day -5 consecutive days, you will get a basic salary of XXXX -15 consecutive days, you will get a basic salary of XXXX XXXX consecutive days, you will get a basic salary of XXXX So the monthly salary is XXXX which is a fixed salary Daily commission Complete 2 sets of data calculations every day, and you can withdraw the commission earned on that day First, I can walk you through the process with a training account, and then you can learn more about the company, how we upload data, and how we make money from it so you can understand it better. Do you have an hour or so for training now? And I said Yes I am available now OK. I will send you the XXXX XXXX here is the link, you can take a look. But as a user of the data provider, you need to register a user account with your phone number, okay? Registration is free, but it will not infringe on your privacy XXXX Invitation code:XXXX After registration, send me the invitation code and I will register a training account for you and start training I said Maam i just copied the invitation code that you sent me. Invitation code:XXXX  I am on the dashboard already Maam. She said When you log in to your work account, click the \"Profile\" button in the lower right corner of the page Then find your invitation code at the top of the page and click the \"Copy\" button to copy your invitation code to me XXXX  : Invitation Code XXXX I will apply to register a training account for you now, please wait Done I have registered a training account for you, please log out of your account now and then log in to your training account to start your training plan Username: XXXX XXXX After logging in, please take a screenshot and send it to me, and I will guide you step by step. I said I am logged in using my XXXX  Maam. My XXXX  is on my phone. I just took a XXXX XXXX XXXX XXXX XXXXXXXX Maam Yes, the balance is correct and there is a XXXX  bonus for every new account you sign up. Then I use XXXX as a starter fund for training and after you complete the training you get 20% of the commissions earned from this account There are 2 types on the work platform 1.Normal package: XXXX  commission 2.Combination package: commission is 10 times of the normal package, that is 5%. I said It is saying the balance is insufficient and it is not letting me proceed from XXXX Maam She said Wow! You\\'re so lucky you came across the combo package, thanks to your luck we\\'ll get XXXX XXXX! Here are two application tasks \"Pending\" and \"Submit Now\", this is a combined task phenomenon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, compared with all \"Completed\" application tasks XXXX XXXX\", the commission is 10 times more, see it? This is a random package containing 1-3 applications. When we get a package application, its data value exceeds my balance, resulting in insufficient balance, so we need to replenish the balance to complete it. But the probability of it appearing is relatively low because its commission is 10 times that of a normal package, so it\\'s a lucky package randomized by the system. Please wait a moment, I need to deposit now because this is the account I registered, I will notify you when the deposit is completed. Done. I deposited the money into the training account. The system updated the account balance. Now go to the record, click Submit Unfinished Tasks, and continue to complete XXXX tasks. Once the submission is completed, all funds will be returned to the entrusted account, and then continue to execute the remaining tasks. Please notify me when XXXXXXXX tasks are completed I have a little surprise for you. Please log out of your training account, log in to your account, and send me a screenshot of your balance. Maam I am not able to log in to my account. You forgot your username? You can try using your phone number Username: Enter your phone number Click the marked location to contact XXXX  to retrieve your username Send me a screenshot  Congratulations! This is the commission you earn for completing tasks on your training account. This is what you deserve  This is the process of optimizing your application and uploading your data. You can now complete XXXX optimization tasks in your account. I am logging into my training account to withdraw money, when you complete a set of tasks please let me know and I will tell you how to withdraw money from your account and unlock the next set of tasks. You did very well! You just earned another XXXX XXXX XXXX XXXX XXXX Now do you understand how to make money from this job task? Although it seems that we are just \"clicking\" a task, we are already paying for it, so it can increase the purchase and exposure of the application, downloads, reviews, etc., and then improve its ranking in the app store. This helps to generate data and traffic, which in turn improves the ranking of XXXX XXXX XXXX, and even increases company stocks, attracting more users to download and use. Do you have XXXX XXXX? Please open your XXXX XXXX and send me a screenshot I will now teach you how to use XXXX XXXX to link your work account This way you can receive your salary and commission through XXXX XXXX Is the money cryptocurrency Maam? Yes This is due to the first time you use the XXXX XXXX XXXX XXXX XXXX So XXXX XXXX needs to conduct real-name authentication with you You only need to fill in the relevant content according to the prompts and complete the real-name authentication Usually within 30 minutes Open XXXX XXXX and send me a screenshot. I will guide you. After completing the withdrawal, just wait patiently for the money to arrive in your XXXX XXXX Due to the slow XXXX XXXX it will take about 10-30 minutes for the money to arrive in your XXXX XXXX After we finish work every day, we need to withdraw all the balance in our work account. Otherwise, the system will think that the account is operated by AI. This is prohibited by the company When the money arrives in your XXXX XXXX, you notify me and I will teach you how to convert XXXX XXXXnto cash and deposit it into your bank account You have successfully been trained and earned commissions You can reset the task today, continue to complete 2 sets of XXXX XXXX, and earn another commission And when you complete the 2 sets of XXXX XXXX after the reset task, you will become a formal employee of the company. If you keep working every day, you can receive a salary of XXXX XXXX XXXX XXXX XXXX Do you want to reset the mission now? Now I will teach you how to reset the task. Resetting the task is very simple. The only requirement is that you need to have at least XXXX XXXX in your work account Its actually very simple, you just need to buy XXXX worth of XXXX XXXX XXXX XXXX and send it to your work account, so that the XXXX will be automatically converted into XXXX  After completing 2 sets of XXXX you can get XXXX and withdraw it to your XXXX XXXX Add money Enter XXXX  Open your work account and contact XXXX to get today\\'s XXXX address XXXX Paste the address given to you by XXXX into To Click the arrow to confirm. Then click Next Send me a screenshot Continue taking screenshots Send this successful delivery certificate to XXXX  for review Yes, awaiting review XXXX This is your XXXX XXXX XXXX XXXX, send it to XXXX and you can start your XXXX XXXX XXXX  mission Since I am your referral, your reset code will be sent to my email in the first week, and then I will forward it to you. After 1 week, you can apply to have the reset code sent to your XXXX  This also helps to establish a closer connection between the referrer and the new employee, enabling timely resolution of any questions Now you can go and do your first set of XXXX. Let me know when you are done. Refresh XXXX  This is your second set of reset codes. Tell me when you are done and I will guide you to withdraw your funds Wait patiently for the funds to arrive in your XXXX XXXX Let me know when your funds arrive By the way, we have a discussion group where we often discuss and share details about this work. Now I would like to invite you to join so that when I dont reply to your message in time, you can directly ask for help in the discussion group XXXXXXXX This is the link to our group. Click on it to enter our group Once you are in the group, I will introduce you to them. I believe they can help you when you need it Today is your first day of registration. For 5 consecutive days, you will receive XXXX XXXX. The commission earned today is not much, but in the coming work I will show you ways to earn more You have been successfully employed by the company and I hope you will appreciate the job. Yes Maam , I appreciate the job  Because it\\'s a job where you can make XXXX a month. I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in debt from the epidemic until I got this job and I paid off my debt and improved my life and my XXXX XXXX. Tomorrow I will teach you how to get more commissions and teach you the other rules of the platform Wow Maam i am a XXXX XXXX XXXX. I have an XXXX XXXX now Maam. Am looking forward to make XXXX  a month with this job Maam. Yes this job is to improve the quality of our lives and our XXXX XXXX Maam. Yes Maam. I am so excited. You are heaven sent Maam  I know the difficulties of being a XXXX XXXX I will definitely help you make more money Hi Maam I can start work now Maam Thank you very much  We\\'ve been talking about work, so let me formally introduce myself  My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX platform is a data promotion platform that cooperates with XXXX  companies strategically. We help XXXX improve data, increase XXXX popularity and exposure, attract more users to download, and we earn commissions and wages In the Internet era, traffic is the highest value. Many companies choose to increase exposure through advertising and obtain huge amounts of data traffic. Application promotion is a new way to obtain traffic. Application promotion can increase a company\\'s exposure, ratings, and purchases, which is very important for the company and can even drive up the company\\'s stock price. This is why our commission comes from cooperation with application companies We do the same thing, helping application developers promote their software so that more people can use it or even buy it. In fact, this is the same purpose as us earning advertising fees So we\\'re really relying on traffic to earn commissions You used XXXX  to reset your job, and today you deposited XXXX The more funds we have in our account, the more commissions we earn. If you encounter a combination package, you will get 10 times the commission So both funds and combined packages will allow us to earn more commissions Yes, it requires some luck, the combination packages appear randomly and we cannot predict them Dear, you have been signed in for five consecutive days can get XXXX  basic salary, you can immediately withdraw the earned salary, or you can leave the salary in the work account to continue to earn commissions! Since your debit card is limited, I suggest you use XXXX wire transfer Open your XXXX XXXX and I will guide you through it We can try the XXXX XXXX Using XXXX XXXX XXXX  I don\\'t think this will work, let\\'s try a wire transfer and it will be done tomorrow Still not working Let\\'s choose wire transfer, it will save us a lot of time Open your XXXX account Open your online banking app Follow the information from XXXX  to complete the wire transfer correctly Many banks in the United States are not very friendly to XXXX Because it can affect the bank\\'s interests. So banks don\\'t like it when people buy it. Banks usually ask you why you want to buy cryptocurrency. You tell the bank that you are a trader of some XXXX and that you have been following the market lately. You want to invest some XXXX  in your XXXX XXXX XXXX XXXX XXXX allows people to buy and hold BTC. banks just don\\'t like it Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\\'s my experience Share it with you Dear, don\\'t worry, XXXX  is safe. You just need to tell the bank that you need to buy XXXX  for investment. I don\\'t recommend you to tell the bank that you are for work. If you say it is for work, it will be difficult for us to pass it smoothly. You just need to tell the bank that you are a cryptocurrency investor and you just use it to buy Bitcoin. If the bank asks you who recommended you to use this XXXX, you need to say that you saw it on XXXX You have also carefully studied this exchange. It is a formal exchange Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\\'s my experience Share it with you Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\\'s my experience Share it with you Open your online banking app XXXX XXXX for the bank to deduct the money The bank will call you to confirm You only need to answer to buy BTC It\\'s okay, we can apply for reimbursement of the handling fee OMG, you will get a big commission Have you read the platform\\'s announcement The maximum number of encounters per person is XXXX. This is really rare. I think it\\'s a sales tactic of the merchants Each person will encounter a maximum of XXXX . That\\'s the limit Open the task and give me a screenshot After completing the last package, you can withdraw approximately XXXX Yes, it will cost about XXXX Yes, this is our last package, once it is completed we can withdraw all funds You will receive a large commission XXXX let me know when you are ready and I will guide you through the wire transfer Because you still have 5 orders to complete, your account funds will continue to allow you to make some money. When you complete all the tasks, you can withdraw about XXXX This is our last package. The system clearly stipulates that we have the opportunity to encounter XXXX packages every day. Completing this package means the end I want you to assure me that our work is legal. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I will not do anything illegal No, this is our last combo package, we won\\'t be seeing the next one We can wire to XXXX account This is our third combined package. The system clearly stipulates that we can only encounter 3 at most. I have also encountered 3 combined packages Maam they will charge me a penalty Maam for getting the CD prematurely Maam it should have matured this XXXXt Maam Maam there is a penalty of XXXX cents Maam It might take to 1 Bussiness day Maam How much should i wire Maam?  Approximately XXXX Maam i spent XXXX XXXX on the wire transfer from XXXX to bank of america  at their office Maam plus XXXX XXXX Maam today then I spent another XXXX XXXX for the wire from bofa to XXXX XXXX Maam  Hope and pray we get our commisions today Maam  You can get the joy of commission immediately  Maam another combo What? How is this possible? You will never come across a combo pack again. I need to confirm. You encountered three combo packages. This is the fourth one, right? Please wait a moment. Let me check our chat history. I checked and found that you encountered one combination package in the first set of optimization tasks and three combination packages in the second set of optimization tasks, so the two sets together have four combination packages. You need to contact XXXX now and tell XXXX that you have encountered three combination packages. Why is there a fourth combination package? This is a system error. Please check it out. I need to go to a group for help now. I have never encountered such a problem before. Maybe a group can help us. Yes, we all misunderstood. What we are facing now is the last combination package in the true sense. Dear, the platform cannot provide loans. We can only solve the funding problem by ourselves.  Dear, if you have enough funds, I think it is very worthwhile to be happy because you will once again receive XXXX XXXXommission income, which is very considerable. Because buying cryptocurrency requires some fees, you need XXXX  Because you got another combination package, you got another XXXX XXXX  commission bonus. Dear, I can help you solve your work problems, but I really don\\'t know any better suggestions for you on the financial issues. You can earn XXXX commission income from this package After you finish you can withdraw XXXX The equivalent value of XXXX XXXX  is the same as that of USD, which is XXXX XXXX Dear, if you apply for a loan, you can\\'t say you\\'re using it for work. You can probably say you need to buy a big item or do some home improvements. Buying a big-ticket item or making home improvements You can try to get a loan for your mothers house renovation Dear, this is just an excuse. When your loan is successfully completed, you can withdraw all the funds and get a very considerable commission income. But after you withdraw all the funds, you can immediately return the loan funds. Dear, this is something you can only explain based on your personal situation. I can\\'t give you any better advice. Can i say it because of XXXX Maam? Or they will not accept it Maam? Dear, you must not say that. The bank will never agree to that. I think it is safer to apply for a personal loan I think it is safer to apply for a personal loan When you\\'re done, you can return it immediately. You can try it here first. If it doesn\\'t work, then we can only try to apply for a loan with XXXX XXXX Will your mother lend you money? You can wait for the result. If the application is not approved, we may have to borrow money from your mother. Dear, please dont rush, we are waiting for the result of your loan application first When you are familiar with this job, you can become a referral like me, you can invite your friends or family to join this job, you can earn more commission Dear, since we are part-time employees, the work we receive is all after-tax wages and no tax is required. You don\\'t need to file a tax return because your salary and commission are after-tax. God is with us Amen  Our work is real and legal. You can directly tell your mother how we work. Your account can only be used by you. The company will not admit that anyone other than you uses your account to work. You can tell your mother that when you become a referral, you will invite them to join this job Everyone has no knowledge of areas that they have not covered. We can understand this, which will only add some difficulties to us, but I believe that we will complete it well I suggest you apply for a short-term loan from the bank I understand. I have XXXX in my account. I can lend it to you first, but you have to promise me that you will pay me back immediately after you finish the work Yes, the combination package is determined by the funds in our account. The more funds we have, the more negative balances we will encounter in the combination packages It may take us longer to raise funds, but when we are done, the commission we will get is huge We need to try. If the bank cannot approve the loan, then we need to think of other ways This is normal because your mother has never been involved in this industry and what we are working on now is also a new industry. Many people dont understand it and many people will think it is a scam. XXXX  from the team agreed to lend us XXXX, and I promised to return it to him as soon as I finished it My brother agreed to lend us XXXX, but he will give it to me by the XXXX, so we can finish the work tomorrow If your funds arrive tomorrow, we can complete the wire transfer first, and I will also deposit my money into your account, which will keep your account active. We can continue to apply for a one-day extension. On the XXXX, my brother will give me the money, and I can make up the negative balance, and we can complete all the work Dear, don\\'t worry, we will get all the money back after we finish the work. I want you to promise that this is our last package. I will guide you to withdraw the money after it is completed. XXXX XXXX XXXX XXXX XXXX Money is very important to me. I can\\'t joke with my money. Please believe me, just like I believe that you will return the money to me after the work is completed. We will succeed soon. I will have my funds ready at XXXX XXXX Dear, don\\'t worry, we will finish the work soon and get all the money back, we can all earn commissions, I will always guide you to earn more commissions, we will slowly improve our lives in the future, believe me About XXXX  What is third-party top-up? Now you contact XXXX and tell them that this is the first time we\\'ve done this and please don\\'t freeze the account, because if you do, we\\'ll lose everything, and we\\'ll still have a chance to verify the XXXX I\\'ve never lent money to anyone, so I don\\'t know anything about XXXX XXXX XXXX and I\\'m sorry my ignorance has cost you money  I\\'m praying to God not to freeze our account  I don\\'t know. I\\'m also very nervous. I\\'ve never helped anyone before. You\\'re the XXXX XXXX I\\'ve helped.  Open your work account and send me a screenshot. I will guide you to find it. God bless the platform did not freeze your account But we are facing a big problem: we need to verify our XXXX XXXX XXXX XXXX XXXX verification is required, which is XXXX XXXX  No dear, all my funds have been used to help you. We have no more funds.  All my funds are in your account, and some of them are borrowed by me, not mine.  Dear, we all need to get our money back, but we violated the platform terms and conditions and we need to complete the XXXX verification plan before we can withdraw the money That\\'s why we need to complete the XXXX XXXX and withdraw the money as soon as possible. XXXX has contacted me to pay back the money. If I don\\'t pay him back within 2 days, I need to pay him interest I have no more money to help you. You need to find a way to complete the work and verify the funds. Once we complete the withdrawal, we can return everyone\\'s money DearXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The money I lent you was also borrowed from others. Like you, I am also an employee of this company. We can only get our money back after completing the XXXX XXXX according to the company\\'s requirements I want our money back too, you have my money in your account Dear, because many criminals imitate our company and I have been cheated before, so for the safety of our funds, the company does not allow us to cooperate with other companies. This is also why the company does not allow us to do other similar work. I have worked in this company for more than a year and have never seen anyone lose a XXXX in this company. Your funds are safe in your account, and my money is also in your account. If I don\\'t trust the company, I won\\'t use so much money to help you. We have to find a way to complete the XXXX XXXX as soon as possible and get the funds backXXXX XXXX  and my brother have asked me to pay back the money Dear, we can end this job as long as we complete the XXXX XXXX. I am also trying to find a way to pay back XXXX  and my brother, because if I don\\'t pay them back, I need to pay the interest Dear, we cannot withdraw money before the XXXX XXXX XXXXs completed. I also urgently need to pay back my money to others. I know you are under a lot of pressure. I haven\\'t mentioned these things yet, but others have already asked me to pay back the money I\\'m also under a lot of pressure right now. XXXX called me today and asked me about money. Dear, I am sad to hear this news, but I am an employee of this company just like you, we didnt complete the work, we cant withdraw the money Dear, I am the same as you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in your account, I also want to get my money back, we did not complete the work, we can not withdraw the money I hope you can find a way to finish the job and pay me back XXXX  XXXX XXXX  Your account was detected as a XXXXXXXX XXXX and your withdrawal request was denied. Please cooperate with XXXX  to investigate the source of the third party funds. Hello. The platform doesn\\'t allow XXXX XXXX. You\\'re violating the platform\\'s anti-money laundering regulations. Hello, the system has detected that you have XXXX XXXX from a third party recharge Please cooperate with XXXX in investigating the origin of the funds Hello, please provide your ID card ID and recharge address and your recommenders ID card ID and recharge address. You also need your recharge address and your recommenders ID and recharge address Hello, your account by the system audit, your account violates the provisions of the platform, anti-money laundering law, suspected of money laundering, the need for your account to carry out XXXX XXXX  Eliminate security risks. Hello, after checking, there is XXXX in your account. You need to complete the XXXX XXXX before you can withdraw the funds. The verification amount is 20% of your account funds, that is, XXXX. The platform will not charge any fees. You can withdraw the full amount after completing the XXXX XXXX Hello The platform does not allow any third-party recharge Given that you are a new member of the platform before allowing you to verify your XXXX XXXXe This is already the biggest help to you Hello, after checking, there is XXXX in your account. You need to complete the XXXX XXXX before you can withdraw the funds. The verification amount is 20% of your account funds, that is, XXXX The platform will not charge any fees. You can withdraw the full amount after completing the XXXX XXXX. Hello, it cannot be deducted from the account balance. You need to recharge your account with XXXX XXXX. After completing the XXXX XXXX, you can withdraw the funds in the account in full. You need to recharge XXXX XXXX into your account. After completing the XXXX XXXX you can withdraw the full amount of funds in your account. You need to recharge XXXX XXXX into your account. After completing the XXXX XXXX, you can withdraw the full amount of funds in your account. You only need to top up XXXX XXXX to your account. After completing the XXXX XXXX, you can withdraw the full amount of funds in your account. Please complete the XXXX XXXX as soon as possible. After completing the XXXXXXXX XXXX you can withdraw XXXX Hello, according to company regulations, you have now officially joined this job. Our company automatically identifies your mobile phone number through XXXX XXXX so you can no longer participate in other online app promotion work to prevent the leakage of company operation information. After all, there are a large number of app promotion companies in the world, and the operation methods and business competition are very fierce. If you participate in other online work, the company platform will automatically identify it, which means that your work account will be automatically blocked by the company platform. XXXX, you can only work in our company XXXX please complete the XXXX XXXX as soon as possible XXXX you can withdraw XXXX after completing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the company does not have telephone service at the moment. Yes, because the company signed a confidentiality agreement, so the company address cannot be used. This is the address of the department manager. XXXX, the company does not have telephone service at the moment. XXXX please complete the XXXX XXXX as soon as possible to withdraw the funds in your account\\n\\n\\nTerms & Conditions\\nTerms & Conditions\\n\\n\\nI. XXXX XXXX XXXX) The minimum reset amount for enhancing XXXX XXXX XXXX XXXX  Once 2 sets of XXXX XXXX have been completed, the user must withdraw all amount and receive the withdrawal amount before the account is requested to reset.\\n1.3) Contact our online service to reset your account after completed XXXX XXXX XXXX XXXX) Full withdrawal can be requested after completing tw of America due to negligence.\\n\\nI already sent XXXX,Florida Atty general IC3 what happened. I have all our text messages. Please kindly help me  . I lost estimated XXXX XXXX XXXX. Time is of essence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not even own a car. \\n\\n\\n\\t1.\\tFailure to Detect or Prevent Fraudulent Activity? The scammers BoA account showed suspicious activity (e.g., large sudden transfers but BoA failed to freeze or investigate it.\\n\\t\\t-\\tIf the account was newly opened, moved large sums quickly, or had prior fraud reports, BoA could be liable for failing to follow anti-money laundering (AML) regulations.\\n\\n\\t2.\\tFailure to Respond to Recovery \\nRequests of XXXX XXXX Promptly? Once XXXX flagged the transaction as fraud, BoA has a duty to act reasonably.\\n\\t\\t-\\tDelayed response, failure to freeze the account, or ignoring the interbank request could make BoA liable for facilitating further losses.\\n\\n\\t3.\\tAiding and Abetting Fraud? Furthermore, the scammer specifically instructed me to open a Bank of America account and stated that XXXX XXXX is not crypto-friendly. This request was highly unusual and only made sense in hindsight.\\n\\nIt strongly suggests that Bank of America had previously been used by this fraud ring to receive and route stolen funds to crypto platforms (such as XXXX XXXX XXXX XXXX XXXX, with fewer restrictions or detection.\\n\\nThis raises serious questions about:\\n\\t\\t-\\tWhether Bank of America conducted adequate due diligence on the recipient account holder XXXX XXXX XXXX XXXX),\\n\\t\\t-\\tWhether the account had a history of fraud reports, and\\n\\t\\t-\\tWhether the bank allowed continued operation despite red flags, which could constitute negligence or aiding and abetting by omission.\\n\\nI request that Bank of America investigate this matter not only as a one-off fraud, but as part of a possible larger scam network, and disclose any history of suspicious activity'","date_sent_to_company":"2025-07-09T18:32:08.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"34683","tags":null,"has_narrative":true,"complaint_id":"14369012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-30T16:40:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Invitation code:XXXX  I am on the dashboard <em>already</em> Maam."]},"sort":[9.387254,"14369012"]},{"_index":"complaint-public-v1","_id":"20389496","_score":8.946671,"_source":{"product":"Credit card","complaint_what_happened":"My spouse and I are filing this complaint against XXXX XXXX XXXX XXXX and Barclays Bank Delaware regarding the unauthorized opening of a revolving line of credit in connection with a timeshare purchase made on XX/XX/XXXX, at the XXXX XXXX sales location in XXXX. \nDuring the sales presentation, we were asked to provide our personal financial information, including our Social Security numbers, for what we were explicitly and unambiguously told was a credit inquiry to determine our eligibility for timeshare financing. We consented only to a credit inquiry. At no point during the presentation were we informed that our personal information would be used to open a new revolving line of credit in the form of a XXXX XXXX credit card through Barclays Bank Delaware. We did not provide verbal or written authorization for the opening of this specific financial product. \nWithout our informed consent, a XXXX XXXX credit card was opened through Barclays Bank Delaware  and immediately charged {$3600.00} as a down payment toward the timeshare purchase. We were in an exhausting four-to-six-hour high-pressure sales environment and were overwhelmed by the volume of documents presented to us for electronic signature on a tablet. The distinction between a credit inquiry and a credit card application was never clearly explained to us, and we were never given adequate opportunity to review the specific terms of the credit card application before it was processed. \nWhile we were still sitting with the sales team, I received an email notification indicating that a credit card had been opened. I immediately questioned the salesperson, asking, 'You just opened a credit card in my name? ' The salesperson denied having opened a card in my name. However, as we proceeded with the process, it was then disclosed that they had opened a card in my husbands name, and that they intended to use that card to pay the down payment.We immediately contacted Barclays to report the unauthorized nature of the application. Barclays conducted a thorough fraud investigation and issued a formal determination letter dated XX/XX/XXXX, explicitly stating : We have concluded that you are not responsible for the transaction ( s ) you identified as fraudulent. As a result, the provisional credit ( s ) previously issued, and any associated fees and finance charges, are now final. \nBarclays further instructed credit reporting agencies to remove all fraud-related information from our credit report. This constitutes a definitive, final determination by the issuing bank that the transaction was fraudulent and that we bear no financial responsibility for it. \nDespite this irrefutable, bank-verified finding of fraud, Travel + XXXX XXXX XXXX Consumer Affairs Manager, XXXX XXXX XXXX XXXX has repeatedly and knowingly misrepresented the status of this down payment in communications to the XXXX  Attorney Generals Office, claiming that the down payment has been re-applied to our account and that the contract remains the same as originally agreed. This assertion is demonstrably false and constitutes a knowing misrepresentation of fact to a state regulatory agency. \nFurthermore, the unauthorized opening of this credit account has significant legal implications for the validity of the entire timeshare purchase agreement. Our Retail Installment Contract, Paragraph 17.A, explicitly requires the payment of a down payment in immediately available funds as a condition for the completion of the sale. Since the only purported down payment was deemed fraudulent by the issuing bank and was never legitimately received by XXXX XXXX XXXX XXXX from an authorized source, this constitutes a complete failure of consideration, rendering the contract void ab initio ( void from the beginning ) or, at minimum, legally voidable at our election. \nThe unauthorized credit application also appears to violate the following federal consumer protection laws and regulations : The Truth in Lending Act ( TILA ) requires clear and informed disclosure of credit terms before a consumer can be bound by a credit agreement. We were never clearly informed that we were applying for a credit card ; we were told we were submitting to a credit inquiry. This distinction is material and its absence constitutes a TILA violation.\n\nThe Fair Credit Reporting Act ( FCRA ) strictly governs the permissible purposes for which a consumers credit information may be accessed and used. Using our personal financial information, provided for a credit inquiry, to open a new revolving line of credit without our explicit, informed consent constitutes an impermissible use of our credit information under the FCRA. \nThe Equal Credit Opportunity Act ( ECOA ) and Regulation B require that creditors provide consumers with clear notice of credit actions taken. We were never provided with clear notice that a new credit account was being opened in our names as part of the timeshare purchase process. \nAdditionally, the entire timeshare purchase was induced through material misrepresentations by sales representative XXXX XXXX, who repeatedly represented that we were purchasing a fractional real estate interest that would appreciate in value, could be sold for profit, and represented a sound financial investment. These representations directly contradict the written contract terms, which state the purchase is for personal use and enjoyment only. The combination of unauthorized credit application and fraudulent sales misrepresentations creates a pattern of deceptive practices that extends beyond our individual transactions. \nWe have attempted to resolve this matter directly with XXXX XXXX XXXX XXXX on multiple occasions, presenting the Barclays fraud determination letter as definitive proof. The company has consistently refused to acknowledge the finality of Barclays fraud finding and has continued to assert that we remain bound by the terms of a contract whose foundational financial transaction has been declared fraudulent by the issuing bank. We have also filed complaints with the Tennessee Attorney Generals Office ( File Number XXXX ) and the XXXX  Attorney Generals Office, with XXXX XXXX XXXX XXXX continuing to provide dismissive responses that fail to address the specific, verifiable evidence we have presented. \nWe are requesting that the CFPB immediately investigate the following specific issues. First, the unauthorized opening of a Barclays credit card account in our names without our informed consent during a timeshare sales presentation. Second, XXXX XXXX XXXX XXXX 's systematic practice of using consumer personal financial information provided for credit inquiries to open new revolving lines of credit without explicit, informed consumer authorization. XXXX, XXXX XXXX XXXX XXXX 's continued attempts to enforce a contract whose foundational financial transaction has been confirmed as fraudulent by the issuing bank. Fourth, the broader pattern of deceptive sales practices employed by XXXX XXXX XXXX XXXX at its Missouri sales locations and potentially across its nationwide operations. \nOur desired resolution is the immediate and unconditional cancellation of Contract Number XXXX and release from all future financial obligations, including loan payments, maintenance fees, and any other assessments associated with this purchase. We are not requesting a refund of amounts already paid. We are simply requesting release from a contract procured through unauthorized financial transactions, confirmed as fraudulent by an independent bank, and through material misrepresentations about the nature of the product being sold. \nDesired Resolution : Immediate cancellation of Contract Number XXXX and release from all associated financial obligations. \nSupporting Documentation : Barclays Investigations Department Letter dated XX/XX/XXXX. \nComplete correspondence with XXXX XXXX XXXX XXXX XXXX Consumer Affairs Manager, XXXXXXXX XXXX XXXXXXXX Co XXXX \nXXXX  Attorney Generals Office File Number XXXX correspondence. \nXXXX Attorney Generals Office correspondence.","date_sent_to_company":"2026-03-18T21:51:26.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"380XX","tags":"Servicemember","has_narrative":true,"complaint_id":"20389496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-03-18T21:33:28.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Supporting Documentation : Barclays <em>Investigations</em> <em>Department</em> Letter dated XX/XX/XXXX. \n<em>Complete</em> correspondence with XXXX XXXX XXXX XXXX XXXX Consumer Affairs Manager, XXXXXXXX XXXX XXXXXXXX Co XXXX \nXXXX  Attorney Generals Office File Number XXXX correspondence. \nXXXX Attorney Generals Office correspondence."]},"sort":[8.946671,"20389496"]},{"_index":"complaint-public-v1","_id":"9857218","_score":8.266989,"_source":{"product":"Credit card","complaint_what_happened":"Affidavit of Facts : XXXX XXXX Bank of America I purchased tickets from XXXX  for travel on XXXX XXXX  for {$990.00}. My destination was XXXX for travel between XX/XX/year> and XX/XX/year>. I contacted XXXX XXXX  via XXXX on XX/XX/year> requesting a change in flights from my departure on XX/XX/XXXX to XX/XX/year>. The person I spoke to in this regard was somewhat aggressive during the call and made multiple requests for spelling my name, even though he spoke and understood English at an above average level he seemed to want an antagonistic transaction. The price for this change was {$340.00}, which I agreed to but at the billing stage he requested my home address which I felt uncomfortable providing stating my credit card company would only require my zip code. \nHe then stated if I did not want to provide an address I could always call back for another service provider. I said ok and canceled my request for changing flights and hung the phone up. \n\nThe following day, XX/XX/year> I received a message from my bank indicating the use of my credit card and as a result I became suspicious and reviewed my account. I noted a pending charge in the amount of {$1000.00}. I contacted my bank immediately and advised I had not authorized any payments, and they stated the billing was from XXXX. I explained the situation and they initiated a fraud investigation and reissued a new card. \n\nI then reviewed my XXXX account and seen they had charged me the {$1000.00} for a XX/XX/year> flight, while at the same time cancelling my XX/XX/year> flight and cancelling my requested flight change for XX/XX/year>. The attached documentation indicates these actions were done the night before, on XX/XX/year>. I then contacted XXXX and spoke to an associate before requesting the aid of a supervisor named XXXX, which reviewed the account and stated they needed to start an investigation on this matter asap. XXXX then advised me that a manager would contact me to further the investigation. \n\nApproximately 30 minutes later a gentleman named XXXX called, he stated he was the manager and asked what was my issue. I then instructed XXXX what the employee had done with my credit card and they needed to fix this problem. XXXX continued requesting I cancel the XX/XX/year> flight, which I stated I was not going to do anything because I did not purchase a new flight, and any charge on my credit card was not authorized, and it was his job to correct the mistake. \nAt a certain point it became obvious XXXX and XXXX had no intention of making good on this matter, and in fact, stated they would issue a refund in the amount of {$340.00} for the XX/XX/year> ticket. I became frustrated to XXXX XXXX of cursing him, and as a result XXXX hung the phone up. \n\nApproximately 30 minutes later XXXX called back to negotiate a compromise. He then asked if I still wanted the XX/XX/year> flight, which stated yes. He then advised me to cancel the XX/XX/year> flight and he would then confirm the XX/XX/year> flight. I again advised him that I would not cancel an unauthorized purchase, and that it was his responsibility to follow policy on unauthorized purchases. XXXX than asked what would satisfy my travel needs, which I replied, please repair the unauthorized purchases of {$1000.00}, and change the original XX/XX/year> flight to XX/XX/year> without cost to me for the continued disturbance to my vacation, and the consequences of questionable behavior by XXXX employees. \n\nOn XXXX XXXX XXXX I had my first correspondence with XXXX XXXX XXXX employee, XXXX. I requested the status of my flight home, which XXXX stated I had no departing flights scheduled and that this matter had already escalated to the higher department for proper handling, and that I would be informed within 30 to 60 minutes with an expected update that never happened. These chats would continue over the course of weeks with XXXX, XXXX, XXXX XXXX, XXXX and back to XXXX XXXX Further, documents of cancellations with dates and times from XXXX  app is attached for review. In addition, I had to purchase new ticket in the amount of {$590.00} to get back home are attached as well. \n\nATTACHED EXHIBITS # XXXX - # XXXX - # XXXX Email Transmissions Evidence # XXXX Dated XXXX/XXXXXXXX XXXX Original Booking Details # XXXX - E-Receipt XXXX # XXXX Dated XX/XX/year> @ XXXX Flight Change Awaiting Payment Departure Flight XXXX XXXX XXXX XXXX For XX/XX/year> with requested payment of {$110.00} # XXXX Dated XX/XX/year> @ XXXX Flight Change Request Was Not Successful Departure Flight XXXX to XXXX XXXX For XX/XX/year> We regret to inform you that your change request has been cancelled. \n\n# XXXX Dated XX/XX/year> @ XXXX - {$150.00} Credit to my XXXX XXXX XXXX for XXXX XXXX flight # XXXX Dated XX/XX/year> @ XXXX / XXXX - Itinerary # XXXX / Booking No. XXXX The XXXX different booking numbers demonstrate a new sale and not # XXXX Dated XX/XX/year> @ XXXX - About Your Charge Back Flight Booking # XXXX We regret to inform you that payment for your confirmed booking ( booking no. XXXX ) ( XXXX : XXXX - XXXX, XXXX XXXX XXXX XXXX ; total amount : {$1000.00} ) was declined by your bank. \n\n# XXXX Dated XX/XX/year> @ XXXX - About Your Charge Back Flight Booking # XXXX Your bank has informed us that payment for your booking ( total amount : {$1000.00} ) was declined by the cardholder. \nAttempted to utilize threatening posture # XXXX Dated XX/XX/year> @ XXXX - Cancellation Request Expedited # XXXX Your cancellation request has been expedited. We appreciate your patience. \n\n# XXXX Dated XX/XX/year> @ XXXX - Cancellation Request Submitted # XXXX # XXXX Dated XX/XX/year> @ XXXX - Refund Processed for you Booking # XXXX Airline Vouchers Credited for your Booking A refund of {$0.00} for your flight booking has been successfully processed back to your bank. \n\n# XXXX Dated XX/XX/year> @ XXXX Concerned Customer XXXX XXXX XXXX We reached out to the agent into this matter. In addition, we have followed up with them ( today ) to redirect the communication directly to you in order to address this situation appropriately. \n\n# XXXX Dated XX/XX/year> @ XXXX - Reply : Concerned Customer # XXXX Regarding your flight from [ XXXX XXXX XXXX XXXX XXXX round trip [ XXXX ; XXXX ], I understand your concern regarding the unauthorised payment. \n\n# XXXX Dated XX/XX/year> @ XXXX - About your Feedback for Booking ( Case # XXXX ) XXXX Request for me to withdraw my chargeback with BofA During my review, I noticed that you have initiated a chargeback for this particular booking. We kindly request that you consider withdrawing the dispute with your bank first, as this will allow us to engage in a more constructive discussion regarding the resolution of this case. \n\n# XXXX Dated XX/XX/year> @ XXXX - About your Feedback for Booking ( Case # XXXX ) XXXX Continued Request to Withdraw my Chargeback from BofA Unfortunately we have not yet to receive a reply from your side. We strongly encourage you to consider withdrawing the dispute in order to avoid any potential limitations on your ability to make future bookings with us. \n\n\n# XXXX Dated XX/XX/year> @ XXXX - About your Feedback for Booking ( Case # XXXX ) XXXX We regret to inform you that if you choose not to withdraw the dispute with the bank, we will be unable to offer any further assistance. After conducting a thorough investigation, we have confirmed that there are no unauthorized fraudulent purchases associated with this case. \n\n# XXXX Dated XX/XX/year> @ XXXX - About your Feedback for Booking ( Case # XXXX ) XXXX The Refundable Amount for your Booking is USD XXXX According to our records, we have verified that booking number XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX was made online by the customer on XX/XX/year>, at XXXX ( XXXX ). The total amount paid for the booking was USD XXXX. If you could please contact your bank to initiate the withdrawal of this amount, we will proceed to handle your case in accordance with the airline 's standard procedures. The refundable amount for your booking is USD XXXX. \n\n# XXXX Dated XX/XX/year> @ XXXX - About your Feedback for Booking ( Case # XXXX ) XXXX Statements contradicts previous statements made by XXXX and Bank of America Your change request was canceled because the payment was not completed within the required time-frame. The cost was USD XXXX. We could not find any record indicating that our agent tried to contact you at that time. \n\nWe have also verified the phone number you provided XXXX, and confirmed that it does not belong to our company. \n\nPlease note that our company can not use your card to make any new bookings. For your account security, we strongly recommend that you change your account passwords immediately and report this issue to the authorities. \n\nPlease be informed that we have checked with our financial department and confirmed that the chargeback has been revoked. The refundable amount for the flight booking is approximately USD XXXX. Please confirm the refundable amount with us so that we can proceed with the refund for you. \n\n# XXXX Dated XX/XX/year> @ XXXX - About your Feedback for Booking ( Case # XXXX ) XXXX Complete Fabrication of events Stated by XXXX As the operation was through the App, we do not have this recording. \n\n# XXXX Dated XX/XX/year> @ XXXX - About your Feedback for Booking ( Case # XXXX ) XXXX Unable to Process Refund If you did not initiate this action, we strongly recommend that you take measures to ensure the security of your password and account of your e-mail box. \n\nWe regret to inform you that the ticket ( XXXX. XXXX way : XXXX XXXX XXXX XXXX has already been refunded and can not be reinstated or changed to the desired date. \n\nAs you have already contacted the bank to decline the payment, we are unable to process the refund ( USD XXXX ) directly to you before you withdrawn the case with bank. We kindly request your patience while waiting for the bank 's processing outcome. \n\nRecently Ive requested copies of all recordings and pertinent documentation from XXXX and received on XX/XX/year> @ XXXX what appears to be Call Chat Email and System Email files but unable to open files. Unfortunately XXXXXXXX XXXX has made it impossible to seriously consider them trustworthy because they cant even follow through with releasing the {$590.00} refund they offered weeks ago as a result of recent statements below : # XXXX Dated XX/XX/year> @ XXXX - About your Feedback for Booking ( Case # XXXX ) XXXX Please note that the password for the file is XXXX. Kindly download the file and use the password to open it. \nRegarding the refund you mentioned, please let us know if it is for flight booking No. XXXX, the refundable amount is approximately USD XXXX. Please confirm the amount with us, and we will then investigate and provide you with proper feedback. \n# XXXX Dated XX/XX/year> @ XXXX - About your Feedback for Booking ( Case # XXXX ) XXXX Last email XXXX made {$590.00} refund demands as a settlement. \nPlease be advised that we can not process the refund without your confirmation, please kindly reply to us [ I confirm ] to continue to process your refund. \nPlease kindly confirm with us whether you accept this proposal. Once accepted, it will be considered a full and final settlement of this case. \nBank of America COMPLAINT On XX/XX/year> I contacted Bank of America credit card fraud department and spoke to an associate, as I informed her of the events stated above she stated I am not responsible for any unauthorized purchases and closed my credit card down for an investigation and re-issued a new card. \n\nXXXX XXXX  Dated XX/XX/year> @ XXXX Activity Alert : You Have Message about Your Claim XXXX I received Claim information from BofA initiating an investigation for unauthorized credit card purchase in the amount of {$1000.00} from XXXX XXXX XXXX  Dated XX/XX/year> @ XXXX Activity Alert : You Have Message about Your Claim XXXX I received Claim REJECTION information from BofA initiating an investigation for unauthorized credit card purchase in the amount of {$1000.00} from XXXX I contacted BofA immediately regarding their decision and requested reconsideration for their inaccurate decision. I was never contacted by BofA or XXXX the investigative Company for truthful evidence in my possession. XXXX XXXX XXXX Noted in the documentation was from XXXX, an investigative company responsible for the underlining evidence utilized in the process and clearly a Substandard tool for gathering biased subject matter. \n\na. XXXX The email address listed under same name. \nb. XXXX The phone matches buyers name. \nXXXX XXXX The buyer connected via standard server. \nd. XXXX The booking has been made under the billing name. \nIn fact their Mission statement states the following : XXXX aims to empower your business to unleash ecommerce growth by outsmarting risk. Ecommerce fraud teams play a crucial role in enabling their companys growth and profitability. To do so, you require an enterprise-grade fraud and risk intelligence solution that can efficiently combat fraud, curb policy abuse, and boost revenue to the max. The problem is, the speed, scale, and sophistication of fraud and abuse can stretch the team and profit margins thin. \n\nWe believe risk should never keep you from growing your business with confidence. \n\nThats why we dont just promise great business outcomeswe are accountable for them. As part of the strongest network of merchant brands that rely on our accurate machine learning approach, you can shift fraud chargeback liability and optimize performance according to your risk tolerance and business goals. Instead of feeling uncertain, you gain confidence and an accountable partner to your success. Take risk off the table with XXXX, and put your business on the sure path to growth and profitability. \n\n\nXXXX XXXX  Dated XX/XX/year> @ XXXX Activity Alert : You Have Message about Your Claim XXXX BofA made the same conclusion with the identical evidentiary position as before. \n\na. XXXX The email address listed under same name. \nb. XXXX The phone matches buyers name. \nXXXX XXXX The buyer connected via standard server. \nd. XXXX The booking has been made under the billing name. \n\nIn conclusion, the facts are clear, XXXX has a history of wrongdoing and the email transmission exemplify that, and Back of Americas discriminatory actions can be considered illegal by face value, as they would not consider treating a wealthy person in a similar fashion. Important to note, It does not appear they even initiated an investigation, but rather wasted time and allowed a company with corporate profit over factual evidence as an investigated tool in rejecting my claim. \n\n\nI XXXX XXXX XXXX declares as follows, The following facts are based on my personal knowledge, or on knowledge I gained through correspondence litigation. If called to testify, I could and would do so competently I declare the following facts are based on my personal knowledge, or knowledge I gained through correspondence with XXXX and Bank of America representatives and email documentation. I declare under penalty of perjury that the forgoing is true and correct. Executed this XXXX day of XX/XX/year>, in XXXX California.","date_sent_to_company":"2024-08-21T06:04:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94565","tags":null,"has_narrative":true,"complaint_id":"9857218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-21T05:32:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["On XXXX XXXX XXXX I had my <em>first</em> correspondence with XXXX XXXX XXXX employee, XXXX. I requested the status of my flight home, which XXXX stated I had no departing flights scheduled and that this matter had <em>already</em> escalated to the higher <em>department</em> for proper handling, and that I would be informed within 30 to 60 minutes with an expected update that never happened."]},"sort":[8.266989,"9857218"]},{"_index":"complaint-public-v1","_id":"3382610","_score":7.2197266,"_source":{"product":"Mortgage","complaint_what_happened":"Can not get a clear title Property because NationStar Mr.Cooper placed a False Proof of Claim in the Case>! \nXXXX XXXX XXXX, appearing pro se, as and for his OBJECTION to the Motion for relief filed by disinterested person Nationstar Mortgage, LLC d/b/a Mr. Cooper ( \" Mr. Cooper '' ), dated XX/XX/XXXX and found at ECF Docket No. XXXX ( the \" Motion '' ) respectfully submits the following Objections to this honorable court for its consideration : 1. Movant Mr. Cooper claims, falsely, that they are a secured creditor. However, 11 USC 101 ( 10 ) defines the term \" creditor '' to mean : ( A  ) entity that has a claim against a debtor that arose at the time of or before the order for relief concerning the debtor ; or, ( B ) entity that has a claim against the estate of a kind specified in section 348 ( d ), 502 ( f ), 502 ( g ), 502 ( h ), 502 ( i ), ; or, ( C ) entity that has a community claim.\n\nFurthermore, 11 USC 101 ( 14 define the tern \" disinterested person '' to mean : ( A ) is not a creditor, an equity security holder, or an insider ; ( b ), is not and was not, within 2 years before the date of the filing of the petition, a director, officer, or employee of the debtor ; and, ( C ) does not have an interest materially adverse to the interest of the estate or of any class of creditors or equity holders, by reason of any direct or indirect relationship to, connection with, or interest in, the debtor, or for any other reason. Debtor OBJECTS to the claim that Mr. Cooper is a creditor at all and OBJECTS further that he is secured, since no valid original Note or other security instrument exists between this debtor and Mr. Cooper or any other party. \n2. DISINTERESTED PERSON MR. COOPER 's FAILURE TO COMPLY WITH FRBP RULE 3001 : FRBP Rule 3001 requires Mr. Cooper to file a Proof of Claim, and the required supporting documentation which is subject to review and scrutiny of this court and the debtor, in order to be deemed a party in interest or creditor in this case. ( SEE : In re : XXXX, No. XXXX ( XXXX  ) XXXX XXXX. XXXX XXXX ( Bankr. XXXX. XXXX ) ). FRBP Rule 3001 in relevant parts to the Motion and this Objection provides that : \" A Proof of Claim is a written statement setting forth a creditor 's claim. A Proof of Claim shall conform substantially to the appropriate Official Form. ( FRBP Rule 3001 ( a ) ). A Proof of Claim shall be executed by the CREDITOR or the creditor 's authorized agent except as provided in Rules 3004 and 3005. ( FRBP Rule 3001 ( b ) ). Regarding a claim in writing, as disinterested person Mr. Cooper has alleged here in the Motion despite, Mr. Cooper 's failure to file a proof of Claim, except for a Proof of Claim governed by paragraph ( 3 ) of this subdivision, when a claim, or an interest in property of the debtor securing the claim, is based on a writing, a copy of the writing ( as alleged by the disinterested arty here ), shall be filed with the Proof of Claim. If the writing has been lost or destroyed, a statement of the circumstances of the loss or destruction shall be filed with the claim. ( FRBP Rule 3001 ( c ) ( 1 ) ). However, no statement of circumstances was submitted here by disinterested person Mr. Cooper, only a statement of an unqualified person alleging the loss occurred without explanation on a self-styled and fraudulently contrived loss affidavit, which violates Rule 3001 ( c ) ( 1 ). \nIn an individual debtor case, as here, FRBP Rule 3001 authorizes sanctions against disinterested persons such as Mr. Cooper, and their counsel Mr. XXXX, for failure to comply with the rule. If, in addition to its principal amount. a claim includes interest, fees, expenses or other charges incurred before the petition was filed, an itemized statement of the interest, fees, expenses, or charges shall be filed with the Proof of Claim. ( FRBP Rule 3001 ( c ) ( 2 ) ( A ) ). Mr. Cooper never filed the Proof of Claim including these schedules, as required under the Rule, in violation of FRBP Rule 3001 ( c ) ( 2 ) ( A ). therefore, the Motion itself is not properly before this court, as is necessary to have the motion 's merits considered. \nIf a security interest is claimed in the debtor 's property, a statement of the amount necessary to cure any default as of the date of the petition shall be filed with the proof of claim. ( FRBP Rule 3001 ( c ) ( 2 ) ( B ) ). Yet none of these requirements were met by Mr. Cooper either. In fact, of all of the documents submitted with the motion by Mr. Cooper, none of them suffice, meet or supersede the requirements set forth in Rule 3001. The debtor OBJECTS to the validity of the Motion as a valid motion before the court on these grounds. \nIf a security interest in claimed in property that is the debtor 's principal residence, as disinterested person Mr. Cooper has done here, the attachment prescribed by the appropriate Official Form shall be filed with a Proof of Claim. If an escrow account has been established in connection with the claim, an escrow account statement prepared as of the date the petition was filed and, in the form, consistent applicable nonbankrupt law shall be filed with the attachment to the Proof of Claim. ( FRBP Rule 3001 ( c ) ( 2 ) ( C ) ). Lacking the filing of ANY Proof of Claim, debtor OBJECTS to all of Mr. Coopers claims in his Motion and hereby shows that Mr. Cooper lacks standing to : pursue any relief through these proceedings or through the motion, seek the removal of the stay under 11 USC 362 ( d ) ( 1 ) or ( 4 ), and Mr. Cooper can not have the merits determined upon his motion for failure to adequately satisfy the requirements of Rule 3001. \nIf the holder of a claim fails to provide any information required under Rule 3001, the court may, after notice and hearing, take either or both of the following action : ( 1 ) preclude the holder from presenting omitted information, in any form, as evidence in any contested matter or adversary proceeding in the case ( FRBP Rule 3001 ( c ) ( 2 ) ( D ) ( i ) ), or award other appropriate relief, including reasonable expenses and attorney 's fees caused by the failure. ( FRBP Rule 3001 ( c ) ( 2 ) ( D ) ( ii ) ).\n\nDebtor OBJECTS to disinterested person Mr. Cooper 's failure to follow the Federal Rules of Bankruptcy Procedure in this case and avers that MR. Cooper is not a party in interest to this case. As, such Debtor hereby implores the court invoke the maximum sanctions allowed as set forth in FRBP Rule 3001 ( c ) ( 2 ) ( D ) ( i ) and ( ii ). Debtor intends to seek sanctions against Mr. Cooper pursuant to FRBP Rule 3001 ( c ) ( 2 ) ( D ) ( i ) and ( ii ) in a separate Motion. However, herein debtor OBJECTS to disinterested person Mr. Cooper 's Motion based upon the foregoing.\n\nIf a security interest in a property of the debtor is claimed, as disinterested person Mr. Cooper does in the Motion, the Proof of Claim must be accompanied by evidence that the security interest is perfected. ( FRBP Rule 3001 ( d ) ). Of course, since Mr. Cooper failed to comply with this section of Rule 3001 by failing to even file a Proof of Claim, the Motion is improperly before the court. Debtor OBJECTS to the validity of the motion, and to the motion being determined upon its merits based upon this failure by disinterested party Mr. Cooper to provide any valid authentication of perfection of a security instrument under that name which established any debtor/creditor relationship between the parties here. No creditor/ Debtor relationship exists between XXXX XXXX and disinterested person Mr. Cooper . \n3. Having failed to comply with ANY of the requirements set forth under FRBP Rule 3001 in this instance, and pursuant to definition under 11 USC 101 ( 14 ), Mr. Cooper is a disinterested party in this case lacking standing to file the instant Motion. Debtor therefore OBJECTS to the claim by Mr. Cooper to be a party of interest in these proceedings. \n4. Mr. Cooper is not, and can not be deemed to be, a \" secured creditor '' as claimed in the Motion pursuant to Rule 3001 or 11 USC 101 ( 10 ) or ( 14 ). ( FRBP Rule 3001 ; 11 USC 101 ( 10 ) and ( 14 ) ). Debtor OBJECTS to the claim that Mr. Cooper is a secured creditor based upon these facts.\n\n5. Mr. Cooper 's Motion seeks relief pursuant to 11 USC 362 ( d ) ( 1 ) and 11 USC 362 ( d ) ( 4 ). According to the statute : \" On request of a PARTY IN INTEREST and after notice and a hearing, the court shall grant relief from the stay provided under subsection ( a ) of this section, such as by terminating, annulling, modifying or conditioning such stay : ( 1 ) for cause, including the lack of adequate protection of an interest in property of such party in interest. \" ( 11 USC 362 ( d ) ( 1 ) ). Also, \" with respect to a stay of an act against real property, under subsection ( a ), by a CREDITOR whose claim is secured by an interest in real property, if the court finds that the filing of the petition was part of a scheme to delay, hinder, or defraud creditors that involved either ( A ) transfer of all or part ownership of, or other interest in, such real property without the consent of the secured creditor or court approval ; or ( B ) multiple bankruptcy filings affecting such real property. '' ( 11 USC 362 ( d ) ( 4 ) ). However, disinterested party Mr. Cooper has failed to meet the requirements of filing or perfecting a Proof of Claim or security instrument and has failed to qualify as a PARTY IN INTEREST. Therefore, Mr. Cooper can not possibly be deemed to be having made a \" request of a party of interest '' under the predicate requirement in 11 USC 362 ( d ) ( 1 ). By not satisfying the predicate element of being a \" party in interest '' to file the Motion in the first place, and specifically, in lack of the existence of any Proof of Claim filed under Rule 3001, Mr. Cooper 's Motion CAN NOT be considered pursuant to section 362 ( d ) because Mr. Cooper does not satisfy the predicate requirement of being a \" party in interest '' set forth in the statute to file the Motion as defined under 11 USC 101. Likewise, Mr. Cooper can not be deemed to be a Creditor at all since no creditor/Debtor relationship exists between his debtor and Mr. Cooper, and Mr. Cooper has failed to provide one single piece of evidence showing a creditor/debtor relationship exists between the parties involved. This negates Mr. Cooper 's ability to file as \" creditor '', which is the predicate requirement under 11 USC 362 ( 4 ) necessary to seek relief. Based upon the foregoing, Debtor Objects to the Motion under section 362 ( d ) ( 1 ) and ( 4 ) because it seeks relief which can not be granted because the Movant fails to meet the requirements to be deemed a \" party in interest '' or a \" creditor '' as defined under Title 11. Therefore, disinterested person Mr. Cooper does not satisfy the predicate element requirements under 362, in any way, which would allow Mr. Cooper to file the motion in the first place.\n\n6. In light of Mr. Cooper 's complete failure to provide a Proof of Claim under Rule 3001, the Motion again seeks relief which can not be granted under the statute and must be denied. Based upon the foregoing debtor OBJECTs to the Motion in its entirety.\n\n7. Since MR. Cooper is indeed is NOT a Creditor, as defined under 11 USC 101 ( 10 ), his claim to be creditor is false. Debtor OBJECTS to Mr. Coopers false and misrepresentative characterization of itself as a creditor, made for the purposes of fraud upon the court and to defraud this debtor.\n\n8. Mr. Cooper is indeed a disinterested person, as defined under 11 USC 101 ( 14 ), and as such seeks relief which can not be granted under section 362, because section 362 requires that the motion for relief must be filed by a \" party in interest '' as defined under 11 USC 101. ( 11 USC 362 ( d ) ( 1 ) and ( 4 ) and, also : 11 USC ss 101 ( 10 ) ( 14 ) ). Debtor OBJECTS to the filing of the Motion by a disinterested person which was filed for the fraudulent purposes of obtaining debtor 's property when no debtor/creditor relationship exists.\n\n9. Because Rule 3001 requires that a Proof of Claim be filed \" in proper form and context '', and MR. Cooper failed to file one, the Motion must be denied pursuant to Rule 3001 ( a ). Debtor Objects to the motion based upon this deficiency. ( FRBP Rule 3001 ( a ) ).\n\n10. Because Rule 3001 ( b ) requires that a Proof of Claim MUST BE EXECUTED BY THE CREDITOR or the CREDITOR 's agent, and Mr. Cooper has failed to do so, and the Motion must be denied.\n\n11. Because Mr. Cooper 's claims to be a \" secured creditor but has not filed a Proof of Claim or proof of security with that Proof of Claim, as required under Rule 3001 ( c ), Mr. Cooper 's Motion is non-compliant with the Federal Rules of Bankruptcy procedure and must be denied. Debtor OBJECTS to the filing of the Motion by Mr. Cooper in the improper form and context in violation of FRBP Rule 3001 ( c ).\n\n12. Because Mr. Cooper, by and through their attorney XXXX XXXX fail to meet any of the requirements of FRBP Rule 3001 ( a ), ( b ), ( c ) ( 1 ) and ( 2 ) and ( 2 ) ( A-C ), the motion must be denied. ( FRBP Rule 3001 ( a ), ( b ), ( c ) ( 1 ) and ( 2 ) ( a-c ) ).\n\n13. Since Debtor is entitled to sanctions against disinterested party Mr. Cooper for failure to comply with Rule 3001 and 11 USC ss 362 ( d ) ( 1 ) and ( 4 ), the motion must be denied.\n\n14. Disinterested person Mr. Cooper 's Motion, as stated on its face, was made under FRBP Rule 4001. \n15. FRBP Rule 4001 is governed by FRBP Rule 9014. Rule 9014 pertains to contested matters as those which appear here in the Motion, between debtor XXXX  and disinterested person Mr. Cooper.\n\n16. Rule 9014 provided that : \" Testimony of witnesses with respect to disputed material factual issues shall be taken in the same manner as testimony in an adversarial proceeding '' ( FRBP Rule 9014 ( d ) ). Also, \" The court shall provide procedures that enable parties to ascertain a reasonable time before any scheduled hearing, whether the hearing will be an evidentiary hearing at which witnesses may testify ''. ( FRBP Rule 9014 ( e ) ). \n17. Debtor XXXX respectfully requests and hereby implores the court to instigate procedures set forth under FRBP Rule 9014 ( d ) and ( XXXX ) at this time, because it is the intent of the debtor to call witnesses, including alleged signatory of documents submitted by Mr. Cooper, to testify before the court, through subpoena if necessary, to adjudicate and determine the veracity of the documents and statements made by Mr. XXXX speaking for Mr. Cooper and others involved in the claims presented by Mr. Cooper in the Motion. Debtor has already determined and established that many of the signatures on the documents presented by Mr. Cooper to this court as authentic were forgeries or made by unreal persons and persons without authority to make the assignments relied upon by Mr. Cooper, in the scheme and artifice to defraud this debtor perpetrated by Mr. Cooper, Mr. XXXX and others. \n\n18. Because Mr. Cooper 's motion fails to satisfy the foregoing requirements of FRBP Rule 4001, 9014, 3001 and 11 USC 362, and 11 USC 101 ( 10 ), the court must deny the Motion on these grounds before it reaches any merits determinations on the Motion. Debtor OBJECTS to the Motion as being non-compliant with the statutory requirements and procedural Rule requirements set forth in the foregoing. \n19. Mr. Cooper 's reliance upon a lost note affidavit in the submitted supplemental documentation attached to the motion is noncompelling and invalid. New York State UCC law governs the lost note requirements in New York Bankruptcy cases. Because Mr. Cooper is relying upon a \" lost note affidavit '' to prove its \" secured creditor '' status to this court without complying with the requirements of NY UCC 3-804, Mr. Cooper lacks standing to pursue any actions in this case. The restrictions of res judicata forbid Mr. Cooper form relitigating this fact. In previous cases this very court already informed  Mr. XXXX that it could not rule in favor of XXXX 's previous co-conspirators and co-schemers upon their Motion for relief from stay, namely XXXX Investors, XXXX, Seterus and Mr. Cooper and others, because they ALL failed to provide this court with security bond for indemnification in at least twice the amount of the claim as required under NY UCC 3-804 ( SEE : NY UCC 3-804 ). XXXX and Mr. Cooper lacked standing to have the stay removed then, and they do now, upon the same grounds. Debtor OBJECTS to disinterested person Mr. Cooper 's attempt to relitigate their lack of standing due to non-compliance with NY UCC 3-804, and requests that XXXX and Mr. Cooper 's motion be denied, with prejudice, based upon their schemes and false claims. Debtor asserts that Mr. Cooper can not obtain bond in order to comply with NY UCC 3-804 because their claims and supporting documents are forged and fraudulent, and that the bonding and insurance companies, being aware of this fact, can not legally endorse a bond based under those circumstances. See Exhibit ( A ) Transcripts XXXX XXXX XXXX on XX/XX/XXXX Page 21 lines 14-25 and page 22 lines 1-6 WHEREFORE, as set forth and supported above, based upon : 1 ) Mr. Cooper 's lack of standing as a creditor ; 2 ) Mr. Cooper 's lack of security to be deemed a secured creditor ; 3 ) Mr. Cooper 's failure to comply with the requirements of statutes and Federal Rules of Bankruptcy Procedure, as specified above ; 4 ) Mr. Cooper 's status as a disinterested person as defined under 11 USC 101 ( 14 ) ; and, 5 ) the fact that the Motion state a claim and seeks relief which can not be granted, 6 ) the fact that a merits determination can not be made due to non-compliance with the Rules and Procedures as set forth above ; 7 ) Mr. Coopers restrictions pursuant to the principal of res judicata concerning NY UCC 3-804 the debtor respectfully requests that this honorable court : 8 ) deny Mr. Cooper 's Motion, with prejudice ; 9 ) invoke the sanctions authorized under Rule 9014 ( d ) to their maximum ; 10 ) forbid any further submission of evidence of any claim by Mr. Cooper and/or Mr. XXXX, pursuant to Rule 9014 ( d ) ( 2 ) ; and, 11 ) Provide any other relief to the debtor that this court may deem just and proper.\n\nI, XXXX XXXX born XX/XX/XXXX swear under the penalty of perjury that that my identity is as fore stated and is verified by the following witnesses or notary public. Furthermore, I agree to indemnify and hold anyone who uses this document to verify my identity harmless from any and all liabilities it may incur due to the reliance upon my statements. \nRespectfully submitted XX/XX/XXXX, I XXXX XXXX XXXX, appearing pro XXXX, do hereby affirm that the foregoing is truthful and correct to the best of my knowledge and belief, under penalty of perjury. See 28 U.S. Code 1746 ( 1 ) FRAUD BY XXXX XXXX : Title 18 USC 157 Bankruptcy fraud provides that : A person who, having devised or intending to devise a scheme or artifice to defraud and for the purpose of executing or concealing such a scheme or artifice or attempting to do so -- ( 1 ) files a petition under Title 11 ; or ( 2 ) files a document proceeding under Title 11 ; or ( 3 ) makes a false or fraudulent representation, claim or promise concerning or in relation to a proceeding under Title 11, at any time before or after the filing of the petition, or in relation to a proceeding falsely asserted to be pending under such title, shall be fined under this title, imprisoned not more than 5 years, or both.\n\nTitle 18 USC 1014 Loan and credit applications generally ; renewals and discounts ; crop insurance provides that : Whoever knowingly makes any false statement or report, or willfully overvalues any land, property or security, for the purpose of influencing in any way the action of ... a Federal Reserve Bank ..., any institution insured by the Federal Deposit insurance Corporation ... or a mortgage lending business, or any person or entity that makes in whole or in part a federally related mortgage loan, as defined in the Real Estate Settlement Procedures Act of 1974 [ 12 USC 2602 ], upon any application, advance, discount, purchase, purchase agreement, commitment, loan ... or any change or extension of any of the same, by renewal, deferment of action or otherwise, or the acceptance, release, or substitution of security therefore, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years or both. \nTitle 18 USC 1016 Acknowledgment of appearance or oath provides that : Whoever being an officer authorized to administer oaths or to take and certify acknowledgments, knowingly makes any false acknowledgement, certificate, or statement concerning the appearance before him or the taking of an oath or affirmation by any person with respect to any proposal, contract, bond, undertaking, or other matter submitted to, made with, or taken on behalf of the united States or by any Department or Agency thereof, concerning which an oath or affirmations required by law or lawful regulation, or with respect to the financial standing of any principal, surety, or other party to any such proposal, contract, bond, undertaking, or other instrument, shall be fined under this Title or imprisoned not more than two years, or both.\n\nTitle 18 USC 1018 Official certificates or writings provides that : Whoever being a public officer or other person authorized by any law of the United States to make or give a certificate or other writing, knowingly makes and delivers as true such a certificate or writing, containing any statement which he knows to be false, in a case where the punishment thereof is not elsewhere expressly provided by law, shall be fined under this Title or imprisoned not more than 1 year, or both.\n\nTitle 18 USC 1021 Title records provides that : Whoever, being an officer or other person authorized by any law of the United States to record a conveyance of real property or any other instrument which by such law may be recorded, knowingly certifies falsely that such conveyance or instrument has or has not been recorded, shall be fined under this Title or imprisoned not more than 5 years, or both.\n\nTitle 18 USC 1341 Frauds and swindles provides that : Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice to defraud or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives there from, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this Title or imprisoned not more than 20 years, or both.\n\nT\nitle 18 USC 1343 Fraud by wire, radio, or television provides that : Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire, radio, television communication in interstate commerce, any writings, signs, signals, pictures, or sounds for the purpose of executing such scheme or artifice, shall be fined under this Title or imprisoned not more than 20 years, or both.\n\nTitle 18 USC 1349 Attempt and conspiracy provides that : \" Any person who attempts or conspires to commit any offense under this Chapter shall be subject to the same penalties as those prescribed for the offense of which was the object of or intent of the conspiracy.\n\nTitle 18 USC 1021 Title records provides that : \" Whoever, being an officer of the court [ i.e. attorney ] or other person authorized by any law of the United States to record a conveyance or any other instrument which by such law may be recorded, knowingly certifies that such conveyance or instrument has or has not been recorded, shall be fined under this title or imprisoned not more than 5 years, or both.\n\nTitle 18 USC 1962 Prohibited activities provides that : ( a ) It shall be unlawful for any person who has received any income derived, directly or indirectly, from a pattern of racketeering activity or through collection of an unlawful debt in which such person has participated as a principal within the meaning of section 2, title 18, United States Code, to use or invest, directly or indirectly, any part of such income, or the proceeds of such income, in acquisition of any interest in, or the establishment or operation of, any enterprise which is engaged in, or the activities of which affect, interstate or foreign commerce. A purchase of securities on the open market for purposes of investment, and without the intention of controlling or participating in the control of the issuer, or of assisting another to do so, shall not be unlawful under this subsection if the securities of the issuer held by the purchaser, the members of his immediate family, and his or their accomplices in any pattern or racketeering activity or the collection of an unlawful debt after such purchase do not amount in the aggregate to one percent of the outstanding securities of any one class, and do not confer, either in law or in fact, the power to elect one or more directors of the issuer.\n\n( b ) It shall be unlawful for any person through a pattern of racketeering activity or through collection of an unlawful debt to acquire or maintain, directly or indirectly, any interest in or control of any enterprise which is engaged in, or the activities of which affect, interstate or foreign commerce.\n\n( c ) It shall be unlawful for any person employed by or associated with any enterprise engaged in, or the activities of which affect, interstate or foreign commerce, to conduct or participate, directly or indirectly, in the conduct of such enterprises affairs through a pattern of racketeering activity or collection of unlawful debt.\n\n( d ) It shall be unlawful for any person to conspire to violate any of the provisions of subsection ( a ), ( b ), or ( c ) of this section.\n\nTitle 18 USC 3057 Bankruptcy investigations provides that : ( a ) Any judge, receiver, or trustee having reasonable grounds for believing that any violation under chapter 9 of this title or other laws of the United States relating to insolvent debtors, receiverships or reorganization plans has been committed, or that an investigation should be had in connection therewith, shall report to the appropriate United States attorney all the facts and circumstances of the case, the names of the witnesses and the offense or offenses believed to have been committed. Where one of such officers has made such report, the others need not do so.\n\n( b ) The United States attorney thereupon shall inquire into the facts and report thereon to the judge, and if it appears probable that any such offense has been committed, shall without delay, present the matter to the grand jury, unless upon inquiry and examination he decides that the ends of public justice do not require investigation or prosecution, in which case he shall report the facts to the Attorney General for his direction. \n\nTitle 28 USC 524 Judiciary and Judicial Procedure provides that : ( a ) Appropriations for the Department of Justice are available to the Attorney General for payment of -- ( 1 ) notarial fees, including such additional stenographic services as are required in connection therewith in the taking of depositions, and compensation and expenses of witnesses and informants, all at the rates authorized or approved by the Attorney General or the Assistant Attorney General for Administration ; and ( 2 ) when ordered by the court, actual expenses of meals and lodging for marshals, deputy marshals, or criers when acting as bailiffs in attendance on juries. \n( b ) Except as provided in subsection ( a ) of this section, a claim of not more than {$500.00} for expenses related to litigation that is beyond the control of the Department may be paid out of appropriations currently available to the Department for expenses related to litigation when the Comptroller General settles the payment.\n\n( c ) ( 1 ) There is established in the United States Treasury a special fund to be known as the Department of Justice Assets Forfeiture Fund ( hereafter in this subsection referred to as the Fund ) which shall be available to the Attorney General without fiscal year limitation for the following law enforcement purposes -- ( A ) the payment, at the discretion of the Attorney General, of any expenses necessary to seize, detain, inventory, safeguard, maintain, advertise, sell, or dispose of property under seizure, detention, or forfeited pursuant to any law enforced or administered by the Department of Justice, or of any other necessary expense incident to the seizure, detention, forfeiture, or disposal of such property including -- ( i ) payments for -- ( I ) contract services ; ( II ) the employment of outside contractors to operate and manage properties or provide other specialized services necessary to dispose of such properties in an effort to maximize the return from such properties ; and ( III ) reimbursement of any Federal, State, or local agency for any expenditures made to perform the functions described in this clause ; ( ii ) payments to reimburse any Federal agency participating in the Fund for investigative costs leading to seizures ; ( iii ) payments for contracting for the services of experts and consultants needed by the Department of Justice to assist in carrying out duties related to asset seizure and forfeiture ; and ( iv ) payments made pursuant to guidelines promulgated by the Attorney General if such payments are necessary and directly related to seizure and forfeiture program expenses for ( I ) the purchase or lease of automatic data processing systems ( not less than a majority of which use will be related to such program ) ; ( II ) training ; ( III ) printing ; ( IV ) the storage, protection, and destruction of controlled substances ; and ( V ) contracting for services directly related to the identification of forfeitable assets, and the processing of and accounting for forfeitures ; ( B ) the payment of awards for information or assistance directly relating to violations of the criminal drug laws of the United States or of chapter 77 of title 18, sections 1956 and 1957 of title 18, sections 5313 and 5324 of title 31, and section 6050I of the Internal Revenue Code of 1986 ; ( C ) at the discretion of the Attorney General, the payment of awards for information or assistance leading to a civil or criminal forfeiture involving any Federal agency participating in the Fund ; ( D ) the compromise and payment of valid liens and mortgages against property that has been forfeited pursuant to any law enforced or administered by the Department of Justice, subject to the discretion of the Attorney General to determine the validity of any such lien or mortgage and the amount of payment to be made, and the employment of attorneys and other personnel skilled in State real estate law as necessary ; ( E ) ( i ) for disbursements authorized in connection with remission or mitigation procedures relating to property forfeited under any law enforced or administered by the Department of Justice ; and ( ii ) for payment for ( I ) costs incurred by or on behalf of the Department of Justice in connection with the removal, for purposes of Federal forfeiture and disposition, of any hazardous substance or pollutant or contaminant associated with the illegal manufacture of amphetamine or methamphetamine ; and ( II ) costs incurred by or on behalf of a Stat","date_sent_to_company":"2019-09-25T18:14:11.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"14228","tags":null,"has_narrative":true,"complaint_id":"3382610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2019-09-23T01:22:16.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cooper to file the motion in the <em>first</em> place.\n\n6. In light of Mr. Cooper 's <em>complete</em> failure to provide a Proof of Claim under Rule 3001, the Motion again seeks relief which can not be granted under the statute and must be denied. Based upon the foregoing debtor OBJECTs to the Motion in its entirety.\n\n7. Since MR. Cooper is indeed is NOT a Creditor, as defined under 11 USC 101 ( 10 ), his claim to be creditor is false. 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