{"took":77,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3481035","_score":16.330183,"_source":{"product":"Debt collection","complaint_what_happened":"I am XXXX years old and I have been repeatedly called by an unknown caller who leaves the following voice mail, which I have transcripts of - \" We are contacting you from process division we received an order for you it looks like two pending charges. Now unfortunately because we were not able to reach you by phone you will be actively pursued at your place of employment and your residence. \nYou have the right to contact the client to resolve the case voluntarily. Understand when you are located -- you forfeit that right. To speak with an agent press one or contact our office at XXXX. When calling be sure to reference your case number. '' I have the transcript of another voice mail which is very similar- same phone number. \nI finally took the call. The caller- who identified himself as XXXX XXXX or something similar, new my name and the last of my SS #. I asked him what company he was calling from and he said- XXXX XXXX  XXXX. He said they had tried to contact me by mail at an address- where my daughter had once lived. He then told me I still owed $ 13,000+ on a previous car repossession. And knew my entire social security number and named the model of car. And that they would resolve the debt for {$960.00}. \nThere in fact had been a voluntary repossession of that XXXX XXXX. I am currently paying off the balance with another collection company and have been for several years. \nHe said it was probably too late and already headed to court, but would try to intercede. He put me on hold and when he returned said he could accept the payment. \nI told him I had to go into a Dr appointment and I would ball him back. He gave me this number and extension- XXXX XXXX. He said I only had 2 hours or it was going to court. I did not call back and continue to get the call- voice messages.","date_sent_to_company":"2020-01-29T16:16:34.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"307XX","tags":"Older American","has_narrative":true,"complaint_id":"3481035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-12-30T21:26:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I did not <em>call</em> back and continue to get the <em>call</em>- voice <em>messages</em>."]},"sort":[16.330183,"3481035"]},{"_index":"complaint-public-v1","_id":"16448537","_score":16.090479,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2025, I opened a XXXX account to accept payment from a buyer. The scammer told me that the buyer had to deposit another {$500.00} ( for security ) because the buyers account hadn't been vetted by XXXX. The XXXX caller gave his name as XXXX XXXX, a representative of XXXX. I asked how I could get the {$500.00} back to the buyer -- write her a check? XXXX said \" No, I'm telling you how to do this now, so press where I have circled on your phone ( which displayed SHARE ). He said since her transaction was with XXXX, the money needed to be returned by XXXX, so I believed this was legitimate. XXXX proceeded to request my Truist and XXXX XXXX debit card numbers. I do not use debit cards and I did not give him that information. Next, he attempted to access money through XXXX XXXX and XXXX XXXX accounts. I asked him several times why he needed MY information, and he said it was part of the vetting. He talked over me and suggested I open a XXXX account. After telling him I was not going to buy XXXX, he still suggested I go to a nearby convenience store and use the store 's Bitcoin ATM. I asked for his supervisor 's name ( who \" wasn't there '' ) ; I told him I was hanging up and would report this conversation to authorities. \nI still received several calls over the next several days from the original phone number, however I did not accept the calls. Since I didn't realize until late Friday evening that {$800.00} had been taken from my Truist checking account using XXXX information, I had to wait until the beginning of the following week to report the fraud. \nI did receive XXXX text messages from Truist on XXXX : XXXX am stating that a XXXX payment was on hold : XXXX confirming money was sent with XXXX. As I was outside mowing, and did not hear these alerts, it was later in the day when I discovered that the money had been sent. \n\nTruist and XXXX responded to my request to intervene, however they declined. I discovered later that XXXX is involved in several class lawsuits ( XXXX in New York ), for not protecting its customers.","date_sent_to_company":"2025-10-08T20:02:05.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"24153","tags":"Older American","has_narrative":true,"complaint_id":"16448537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-10-08T17:06:10.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I still received several <em>calls</em> over the next several days from the original phone number, however I did not <em>accept</em> the <em>calls</em>. Since I didn't realize until late Friday evening that {$800.00} had been taken from my Truist checking account using XXXX information, I had to wait until the beginning of the following week to report the fraud. \nI did receive XXXX text <em>messages</em> from Truist on XXXX : XXXX am stating that a XXXX payment was on hold : XXXX confirming money was sent with XXXX."]},"sort":[16.090479,"16448537"]},{"_index":"complaint-public-v1","_id":"3354880","_score":15.5833845,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"At the beginning of XX/XX/2019, our XXXX XXXX XXXX XXXX VISA credit card converted to XXXX XXXX XXXX XXXX Rewards MasterCard. We soon found out that MasterCard is not accepted at as many places as VISA. We also found out that the MasterCard was removing various benefits. We therefore decided to look for a replacement VISA credit card. \n\nI applied for the appropriate card and was informed that we needed to remove the Security Freeze we had on our account after the Equifax data breach. \n\nAdditional background : 1. ) After XXXX XXXX ( XXXX XXXX ) data breach, I checked to insure that a Security Freeze was in place. I logged into the Equifax website ( with no problems ) and checked, then called Equifax on XX/XX/2019 and spoke with \" XXXX '' at XXXX XXXX. He confirmed that a Security Freeze was in place and no further action was required. \n\n2. ) Equifax claims their Customer Care is available between XXXX XXXX and XXXX ( ET ), 7 days a week at XXXX. \n\nOn XX/XX/2019, I attempted to log into the Equifax website and was directed to Customer Care ( sic ). I attempted to call Customer Care. \n\nThat is where the problem started. \n\n[ Note : All times are EDT ] XX/XX/2019 : XXXX XXXX  - Waited 15 minutes then opted for call back ( # 1 ). \nXXXX XXXX  - Called again. Waited then 15 minutes opted for call back. ( # 2 ). \nXXXX XXXX  - Received Equifax call back ( # 1 ) and had to wait 31 minutes and listen to bad music.. \nXXXX XXXX - \" XXXX '' - can't find email address. \nXXXX XXXX - Switched me back to robo without warning. \nConnected w/ '' XXXX '' in XXXX XXXX. He said I had to talk to a U.S. agent He said, \" If disconnected call XXXX & press XXXX ''. \nXXXX XXXX  - Switched back to robo instead of U.S. agent. \nConnected w/ '' XXXX '' in the XXXX . Claims \" system is updating. '' XXXX XXXX Sent back to robo. \nXXXX XXXX - Called XXXX & press XXXX \" XXXX '' in the XXXX. She disconnected me. \nI stayed on line for a \" survey ''. \nInstead : \" You've been sent to a none working number ''. \nXXXX XXXX - Received call with CID \" 800 Service '' - did not answer due to the number of calls spoofing this CID. \nVoice mail ( Equifax ) - Thick accent ( possibly XXXX ). \nHe tried to talk ( not leave a message ) to my singing voice mail ( not bright ) XX/XX/2019 : XXXX XXXX - Called XXXX & press XXXX \" XXXX '' in the XXXX. \nSystem still updating [ Note : this at least 14 hours ] ; call back in an hour. \nXXXX XXXX - Requested a supervisor XXXX XXXX - Supervisor : \" XXXX ''. She cant do anything. \nXXXX XXXX Requested transfer to agent in U.S. \nXXXX XXXX - Finally connected with Equifax. \" XXXX '' in U.S. \nAccount was locked. No explanation. \nClaims User Name & Password are OK. \nLifted lock. Confirm # : XXXX XXXX XXXX ( takes 24 hrs. ) Removed freeze ( takes 1 hr ).\n\nRequested reinstatement in 2 weeks.\n\nI contacted the credit card company and confirmed the freeze had been removed.\n\nQuestions : 1. ) Why 76 minutes for the # 1 callback?\n\n2. ) Why a 31 minute wait with the # 1 callback?\n\n3. ) Why could XXXX not find my email address? \n4. ) Did XXXX hang-up on me or was he simply incompetent? \n5. ) Why does someone in XXXX XXXX have access to my credit/private information?\n\n6. ) Why do several people in the XXXX have access to my credit/private information? \n7. ) Why 109 minutes for the # 2 callback?\n\n8. ) Why is Equifax not using their company name for the CID? \n9. ) Why does someone in XXXX have access to my credit/private information?\n\n10. ) Why was my account inexplicably locked?\n\n11. ) Why couldnt any of the earlier agents tell me the account was locked? \n\n\nAddendum # 1 : As of XXXX XXXX, XX/XX/2019 ( just over 30 hours ) my login still does not work.\n\nAddendum # 2 : As of XXXX XXXX, XX/XX/2019 ( just over 44 hours ) my login still does not work. I think I will just wait to see if you do anything before I ask the media for help.\n\n12. ) Was my account ever unlocked?\n\n13. ) Are all Equifax agents incompetent? \n\nI would like these questions answered, in writing. \n\nThank you, XXXX XXXX XXXX","date_sent_to_company":"2019-08-27T11:21:48.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"210XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3354880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-08-27T11:03:09.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX - Received <em>call</em> with CID \" 800 Service '' - did not answer due to the number of <em>calls</em> spoofing this CID. \nVoice mail ( Equifax ) - Thick accent ( possibly XXXX ). \nHe tried to talk ( not leave a <em>message</em> ) to my singing voice mail ( not bright ) XX/XX/2019 : XXXX XXXX - <em>Called</em> XXXX & <em>press</em> XXXX \" XXXX '' in the XXXX. \nSystem still updating [ Note : this at least 14 hours ] ; <em>call</em> back in an hour. \nXXXX XXXX - Requested a supervisor XXXX XXXX - Supervisor : \" XXXX ''."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[15.5833845,"3354880"]},{"_index":"complaint-public-v1","_id":"9927741","_score":14.777599,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ChexSystems recently started requiring a portal account to Manage Freezes. \n\nOn XXXX, I created a portal account and immediately initiated a freeze. \n\nOn XXXX, I wanted to extend the freeze. After entering a login / password / XXXX, the \" Confirm Your Details '' appeared on the screen. My information was listed correctly. When I press \" Confirm '' I get : \" Unknown Error Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I tried on 3 web browsers, clearing the cache on each one. I tried on my mobile device, also with a cleared cache. I am not using a bookmark. Authentication is successful and I am being sent an email with the subject line \" Successful Login Notification. '' THIS IS NOT AN AUTHENTICATION ISSUE. Eventually, I called Portal Support XXXX. The agent asked for my Social Security Number and I refused. While on the phone with them for more than 40 minutes trying various troubleshooting options, I toggled my phone number from Phone to Mobile and the change was accepted. I thought the issue was resolved and changed my freeze to go for another few days and disconnected with Portal Support. After making this change and disconnecting from Portal Support, I tried logging out and back in again. The same Unknown Error message appeared. This time, I could not toggle Mobile to Phone or make any other changes without getting the same error. I can not get through this screen and no other functionality is allowed. \n\nI filed a complaint with the Consumer Financial Protection Bureau and waited for a response. ChexSystems advised I must provide my Social Security Number to the agent for assistance and they provided the phone number to Portal Support. \n\nOn XXXX I called Portal Support XXXX, provided my Social Security Number and after an hour of troubleshooting with XXXX, they were unable to fix the issue. They escalated to \" Administration Department of Portal Desk '' and their Supervisor then advised I should try again in 1 business day. I tried the next day and got the same error. The escalation is under my ChexSystems Consumer ID # XXXX On XXXX I called Portal Support XXXX again and provided Luies with my Social Security Number. We spent another 30 minutes trying to troubleshoot instead of reading the escalation report from yesterday. I asked for a Supervisor. The Supervisor XXXX confirmed the original ticket was closed as completed. However, I still have the same issue. The Supervisor is required to submit a new ticket ( instead of opening a new one ) and ChexSystems isn't open on the weekend. XXXX advised they would call me on Monday. We spent more than XXXX hour on the phone. \n\nOn XXXX at XXXX Pacific Time, I received a call from XXXX. There was a XXXX second voicemail with sounds at all. Thinking this might be XXXX advising the issue is resolved, I tried ChexSystems again. The same error appeared after login. I can not get through this screen and no other functionality is allowed. \n\nI called Portal Support XXXX and spoke with XXXX. They put me on hold 3 times to check for XXXX. Eventually, they came back and said XXXX was on the other line and they took a message for XXXX. They advised XXXX would call back on the same day. \n\nI have done everything possible on my end for ChexSystems to fix the bug with their portal and nothing seems to work correctly. Support has submitted two escalation bugs and will not provide an option where I can test it live, nor will they allow me to share screenshots of the issue. \n\nThis issue is preventing me from accessing, managing, updating, and unfreezing, my ChexSystems credit report. I am not comfortable sending my information to ChexSystems through the mail and nor should I be isolated from all other customer functionality due to a bug with the ChexSystems portal. Rather than respond to this complaint with a summary of my activity since XXXX  ( which is what ChexSystems does on most of these complaints ), please have a Senior Manager of Portal Support reach out to me at XXXX so this issue can be quickly resolved. I have already wasted huge amounts of time trying to get the ChexSystems portal to work as intended.","date_sent_to_company":"2024-08-26T18:22:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92692","tags":null,"has_narrative":true,"complaint_id":"9927741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2024-08-26T18:09:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Eventually, I <em>called</em> Portal Support XXXX. The agent asked for my Social <em>Security</em> Number and I refused. While on the phone with them for more than 40 minutes trying various troubleshooting options, I toggled my phone number from Phone to Mobile and the change was <em>accepted</em>. I thought the issue was resolved and changed my freeze to go for another few days and disconnected with Portal Support. After making this change and disconnecting from Portal Support, I tried logging out and back in again."]},"sort":[14.777599,"9927741"]},{"_index":"complaint-public-v1","_id":"3000187","_score":14.055656,"_source":{"product":"Debt collection","complaint_what_happened":"For the last couple of months XX/XX/XXXX through present Ihave been receiving a call from some company which looks like a local number calling - could not recognize what they were saying on my voicemail - person speaking sounded distorted - stated something about need signature and social security number - press 1 to accept message or call back an XXXX number - couldn't really understand them - I ignored it but on Tuesday XX/XX/XXXX received another call so I finally returned a call to the number on my caller ID which looked local and someone answered and I asked them who they were and why were they calling me - they stated they were from Cordoza and Wexler a settlement company and asked is this and they stated my name and that they were trying to collect a debt on a payday loan from XXXX which was never repaid - what was really upsetting was they had my bank name and some of my other personal information & my email address - I do not remember taking out a payday loan from the company they stated and for the amount they stated which was quite large and what is really crazy is the payday loan companies only allow you to take out loans in an amount comparable to your wages - I know for a fact I could not have taken out a loan for that amount - she told me that I could find proof of payment and send it to them so I went through all my XXXX receipts and could not find any record of any type of payday loan - I knew there wouldn't be one - after that I was really upset so I called them back and I flat told them I don't know who the XXXX you are & how you possibly got my personal information but you can go take a flying powder as far as I'm concerned and please send me proof of any type of documentation that I owe this debt and paperwork with my signature and I will be forwarding this on to my attorney and I will be filing a complaint with the Consumer Finance group - as of today I have not seen any type of documentation from them through email and I don't know if they have my address so I will be checking my mail the next several days to see if anything is mailed to me which I doubt - I plan to contact local law enforcement and Lodge a complaint for fraud and extortion against this group of people - I am truly sick and tired of all the scam artists in this world who try to take from people who have worked hard all their life. One thing further I was part of the breach at XXXX  and possibly they got information from there and that is how they're trying to scam people Please be aware that this group of people are scam artists and are trying to collect money that you do not owe or possibly have already paid back.","date_sent_to_company":"2018-08-23T18:17:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"93711","tags":null,"has_narrative":true,"complaint_id":"3000187","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Cordoza & Wexler Recovery Services","date_received":"2018-08-23T17:36:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["For the last couple of months XX/XX/XXXX through present Ihave been receiving a <em>call</em> from some company which looks like a local number calling - could not recognize what they were saying on my voicemail - person speaking sounded distorted - stated something about need signature and social <em>security</em> number - <em>press</em> 1 to <em>accept</em> <em>message</em> or <em>call</em> back an XXXX number - couldn't really understand them - I ignored it but on Tuesday XX/XX/XXXX received another <em>call</em> so I finally returned a <em>call</em> to the number"]},"sort":[14.055656,"3000187"]},{"_index":"complaint-public-v1","_id":"2736044","_score":13.090454,"_source":{"product":"Debt collection","complaint_what_happened":"I was sent through a text message on my phone from speedy cash, which I have no dealings with, but the kept trying to contact me. So heres the last harassment : Legal Matter. \n\nRead all case related information carefully we will not able to provide you any information over the phone if you willing to settle this matter out of court call us on listed number. \n\nThree Criminal allegations against your name under Financial Fraud are : - Violation of federal banking rules and regulations. \nTheft by deception Breach the contract with Loan Company The affidavit states that you went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX.Basically all the loan companies in your state they are working under my client XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. \n\nAs of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. \n\nYour Credit score will hit by negative XXXX points & your drivers license will get blocked. \n\nYou do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court. \n\nNow this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$950.00} NOTE : This case is under investigation by the credit bureau so we cant accept your payment from your bank account or your debit card we can only accept EFTS ( Electronic fund transfer system ) payment at this moment so kindly contact on the listed number below to get the information for the XXXX XXXX and XXXX XXXX. \n\n\nXXXX XXXX XXXX XXXX To Remind you, I have never taken any loans out through this company. I have through a different company which is paid off.","date_sent_to_company":"2017-11-21T23:24:45.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2736044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2017-11-21T23:10:25.000Z","state":"OH","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["As of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to <em>press</em> legal charges on you & on your Social <em>security</em> number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges."]},"sort":[13.090454,"2736044"]},{"_index":"complaint-public-v1","_id":"8034822","_score":12.101716,"_source":{"product":"Prepaid card","complaint_what_happened":"XX/XX/23 I purchased a VISA Gift Card ( issued by US Bank ) for {$500.00} at a Kroger grocery store in XXXX XXXX, CO. The store properly Activated the card. \n\nI have remained in possession of the card at all times and have not shared or shown it to anyone. \n\nXX/XX/23 I went online to Register the card, which involved logging-in to the designated website using the cards credentials XXXX card number and XXXX XXXX XXXX on the back. At that time, I discovered the value on the card was {$260.00}, not the {$500.00} I had purchased. \n\nPanicked, I called the number on the card to report an apparent theft. After providing the cards credentials, I was asked for the registered name. When I gave my name, the phone call was terminated several times. After clicking around the cards Account online, I discovered the name & address of the person ( unknown to me ) who registered the card : braine sand, XXXX XXXX XXXX, XXXX XXXX, nv XXXX. ( Yes , street name spelled here as it appears on the Account. ) Also in the Account was information about the transactions made with this card : XX/XX/23 for {$1.00}, XXXX XXXX, XXXX, Florida, XXXX Pre-Authorization XXXX AM XX/XX/23 for {$230.00}, XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Purchase ( Domestic ) XXXX XXXX When I called back to the Customer Service number again that night, I knew to first ask to not be hung-up on and gave both the registered name and explained that it was not the same as my name that I was trying to report XXXX. I called this number 7 times that evening before finally being told to fax all the appropriate documentation and it would be reviewed for fraud : front/back of the card, purchase receipt, front/back of my ID, I also included a short letter explaining this sequence of events. Since the XXXX card number is white text and some of the cards background is very light, getting a readable copy of the card was difficult. I completed this task and sent the fax. As a result of this fraud-reporting, the card was de-activated and the remaining balance unable to be used. \n\nWhen I called a few days later to check on the status & receipt of the fax ( as instructed ), I was told that one of the images was insufficient and Id need to re-send everything. I completed this task. \n\nAll of my phone encounters to this point were with customer service agents who seemed limited in the range of service options or information they could provide. \n\nXX/XX/23 I received a call from an unknow number and took a chance and answered it. It was the first person I spoke to who appeared to be able to provide me information about my case. She summarized the status of my claim ( I did not need to re-send the fax any more ), the Fraud/Theft claim was submitted and would be resolved within 90 days, and a card reimbursing me for the remaining value on the card after the theft ( {$260.00} ) would be sent to me. A separate card would be issued for the amount stolen ( {$230.00} ) if the investigation concluded in my favor. \n\nWhen I received the card reimbursing me for the remaining value on the original card following the theft ( {$260.00} ), I registered it at the website indicated on the sticker attached to the card. When I subsequently tried to use the card, it was declined multiple times at restaurants and brick-and-mortar retail locations. When I called back to the customer service number, I was told that this card was registered improperly, it got thrown into fraud, and Id need to repeat the faxing exercise again with this card. I completed that. \n\nI received another card in the mail accompanied by a letter dated XX/XX/23 indicating resolution of the error that occurred which prompted me to file the Fraud claim in the first place. This card was apparently replacing the {$230.00} that was stolen. I called the number on the card to register it first ( rather than using the online option as Id done previously ). I was told that phone registration was not necessary, just go online and register it there. This did not work. The website to register the card did not accept the cards credentials XXXX number and XXXX security code. I kept getting the message Try again. After a few failed attempts ( including a fresh browser window and re-checking the card number and entering it again ), I called the customer service number. I was told to either register it online, or they could transfer me to the Automated system to register the card. After explaining again that the online website did not accept the card, I agreed to be sent to the Automated system. When asked for my cards XXXX number, I entered it, and the system sent me to a phone rep the same call center I had just called! I rode this circle XXXX times on XXXX phone-call before insisting on another approach. Then the call-rep told me to press the # XXXX in the Automated system. I tried to explain that there were no options presented just silence while the call transferred then a voice saying to enter the XXXX card number. Pressing XXXX at this point would only be entering a card number! She told me to press XXXX during the silence while I waited for the transfer to the Automated system. This only triggered the after-call survey about your experience with the customer service agent. I had asked for the number of the Automated system so I could call it myself ( instead of being transferred ) and was told there is no number, I can not call the Automated system myself. \n\nNo, I have not tried just using this card. I fear it will be thrown into Fraud for not being registered and Id need to repeat the faxing exercise yet again. \n\nThese are the VISA debit cards in my possession : Card # XXXX, XXXX XXXX, {$500.00} ( original purchase ) Card # XXXX, XXXX XXXX, I think this was the replacement for the remaining balance {$260.00}. \nCard # XXXX, Code XXXX, I think this is the card that came with the resolution letter and should be for {$260.00}, but I can not register it so I dont know what its value is. \nI should have received a replacement for the {$260.00} card which I supposedly invalidated with improper registration but do not have another card for this. \n\nI do not have access to any of the original {$500.00} that I purchased a VISA gift card for. \nCan you help me get my {$500.00} back from US Bank, please?","date_sent_to_company":"2023-12-20T20:47:13.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"80521","tags":"Older American","has_narrative":true,"complaint_id":"8034822","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-12-20T20:08:47.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["I <em>called</em> the number on the card to register it first ( rather than using the online option as Id done previously ). I was told that phone registration was not necessary, just go online and register it there. This did not work. The website to register the card did not <em>accept</em> the cards credentials XXXX number and XXXX <em>security</em> code. I kept getting the <em>message</em> Try again."]},"sort":[12.101716,"8034822"]},{"_index":"complaint-public-v1","_id":"7675473","_score":12.080739,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I applied for a XXXX XXXX XXXX with XXXX XXXX XXXX of XXXX onXX/XX/2023. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter which was from XXXX XXXX. I reached out to Santander Consumer USA ( one of the lenders ) which is directly connected with Chrysler Capital. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XXXX XXXX, 2023, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up but I informed him that I wanted to accept the approval from Santander/Chrysler Capital being that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law but he proceeded to press the issue that nothing could be done without it. I proceeded to contact Santander/Chrysler Capital about removing that condition since it was not required by law, unfortunately, the department was closed and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that particular lender. He said he looked forward to it. Monday morning I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with Santander/Chrysler Capital was automatically denied. Since they work directly with the lender 's credit department I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX only two of them ( XXXX, and XXXX XXXX XXXX ) confirmed that they had also approved me for a specific amount from the application submitted on XXXX XXXX, 2023. XXXX had approved me for an amount that was estimated at around {$23000.00}, while XXXX XXXX XXXX had approved me for an amount that was estimated at around {$30000.00}. XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims. \n\nIn conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.","date_sent_to_company":"2023-10-10T17:41:13.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"7675473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-10-10T15:00:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with signing the paperwork"},"highlight":{"complaint_what_happened":["Monday morning I <em>called</em> the lender and informed them that I intended to conditionally <em>accept</em> their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with Santander/Chrysler Capital was automatically denied."]},"sort":[12.080739,"7675473"]},{"_index":"complaint-public-v1","_id":"7675407","_score":12.080739,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I applied for a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXXXXXX on XXXXXXXX XXXX XXXX. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter, which was from XXXX XXXX. I reached out to XXXX XXXX XXXX ( one of the lenders ) which is directly connected with XXXX XXXX. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XXXX XXXX, 2023, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up, but I informed him that I wanted to accept the approval from XXXX XXXX XXXX that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction, so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law, but he proceeded to press the issue that nothing could be done without it. I proceeded to contact XXXX XXXX about removing that condition since it was not required by law, unfortunately, the department was closed, and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that lender. He said he looked forward to it. Monday morning, I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with XXXX XXXX was automatically denied. Since they work directly with the lender 's credit department, I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders : Global Lending Services XXXX XXXX XXXX XXXX only two of them ( XXXX, and Global Lending Services ) confirmed that they had also approved me for a specific amount from the application submitted on XXXX XXXX, 2023. XXXX had approved me for an amount that was estimated at around {$23000.00}, while Global Lending Services had approved me for an amount that was estimated at around {$30000.00} ( if applicable ). XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims.\n\nIn conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.","date_sent_to_company":"2023-10-10T17:58:43.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"7675407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2023-10-10T17:44:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["Monday morning, I <em>called</em> the lender and informed them that I intended to conditionally <em>accept</em> their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with XXXX XXXX was automatically denied."]},"sort":[12.080739,"7675407"]},{"_index":"complaint-public-v1","_id":"7675227","_score":12.076605,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I applied for a XXXX XXXXXXXX XXXX with XXXX XXXX XXXX of XXXX on XXXXXX/XX/2023. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter, which was from XXXX XXXX. I reached out to Santander Consumer USA ( one of the lenders ) which is directly connected with Chrysler Capital. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XX/XX/2023, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up, but I informed him that I wanted to accept the approval from Santander/Chrysler Capital being that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction, so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law, but he proceeded to press the issue that nothing could be done without it. I proceeded to contact Santander/Chrysler Capital about removing that condition since it was not required by law, unfortunately, the department was closed, and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that lender. He said he looked forward to it. Monday morning, I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with Santander/Chrysler Capital was automatically denied. Since they work directly with the lender 's credit department, I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX only two of them ( XXXX, and XXXX XXXX XXXX ) confirmed that they had also approved me for a specific amount from the application submitted on XXXXXX/XX/2023. XXXX had approved me for an amount that was estimated at around {$23000.00}, while XXXX XXXX XXXX had approved me for an amount that was estimated at around {$30000.00}. XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims. \n\nIn conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.","date_sent_to_company":"2023-10-10T18:16:39.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"7675227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-10-10T18:11:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["Monday morning, I <em>called</em> the lender and informed them that I intended to conditionally <em>accept</em> their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with Santander/Chrysler Capital was automatically denied."]},"sort":[12.076605,"7675227"]},{"_index":"complaint-public-v1","_id":"7675301","_score":12.033995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I applied for a XXXX XXXX XXXX with XXXX XXXX XXXX of XXXX on XXXX XXXX XXXX. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter, which was from XXXX XXXX. I reached out to XXXX XXXX XXXX ( one of the lenders ) which is directly connected with XXXX XXXX. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XXXX XXXX XXXX, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up, but I informed him that I wanted to accept the approval from XXXX XXXX being that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction, so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law, but he proceeded to press the issue that nothing could be done without it. I proceeded to contact XXXX XXXX about removing that condition since it was not required by law, unfortunately, the department was closed, and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that lender. He said he looked forward to it. Monday morning, I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with XXXX XXXX was automatically denied. Since they work directly with the lender 's credit department, I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders : XXXX XXXX XXXX Exeter XXXX XXXX XXXX only two of them ( Exeter, and XXXX XXXX XXXX ) confirmed that they had also approved me for a specific amount from the application submitted on XXXX XXXX XXXX. Exeter had approved me for an amount that was estimated at around {$23000.00}, while XXXX XXXX XXXX had approved me for an amount that was estimated at around {$30000.00}. XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims. \n\nIn conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.","date_sent_to_company":"2023-10-10T18:10:15.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"7675301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2023-10-10T18:03:07.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["Monday morning, I <em>called</em> the lender and informed them that I intended to conditionally <em>accept</em> their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with XXXX XXXX was automatically denied."]},"sort":[12.033995,"7675301"]},{"_index":"complaint-public-v1","_id":"3502017","_score":11.144728,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Wednesday XX/XX/XXXX I logged onto the Check 'n Go website to apply for an installment loan in which I provided my personal information that included my bank account, routing number and social security number. The application requires you to create an account. After I submitted the application, the message states that I can log back into my newly created account periodically to check the status of the loan. I logged back in a couple times and the status showed as pending. \n\nFriday XX/XX/XXXX ( XXXX ) An alert notification from the company was sent to my junk/spam box stating that my funds were on their way. This alert notice had the following loan terms which I never saw, reviewed, vetted or signed. How can I get funded at XXXX when I hadnt submitted my valid ID? Per their application requirements, To apply for a loan, you will need at least a valid ID, proof of income, an active checking account and a working phone number. \nLoan Amount : {$XXXX}  First Payment Amount : XXXX} First Payment Date : XX/XX/XXXX Note, I never noticed this email as it was sent during the early morning hours on XX/XX/XXXX. I was asleep at this time and didnt discover nor expect the approval alert notification. I discovered this alert on XX/XX/XXXX after I started to research the events that led up to the surprise funding in preparation for my CFPB complaint. \nI had blocked all payday loan companies and routed them to junk/spam box. I started to receive too many emails from different pay day loan companies that I never dealt with or submitted a loan application to. I believe due to a loan that I previously took with the pay day loan company XXXX XXXX XXXX, these other pay day loan companies got my personal information and started sending me offers daily. It was interfering with important emails I intended to receive. Check n Go was one of the loan companies blocked. \nHow can funds have been on their way without my knowledge, approval or signature on a loan agreement? I never was able to view the loan terms or ask about the loan prior to the surprise funding Friday XX/XX/XXXX ( XXXX PST ) I logged in and the status was still pending, but there was also a new request to verify my identity by submitting a copy of my government issued identification. I uploaded a copy of my California driver license successfully. \n\nFriday XX/XX/XXXX ( XXXX PST ) I logged into my account to check the status and the identity verification message was still there. It didn't reflect my successful upload of my California driver license earlier in the day. \nSo I clicked on the \" contact us '' link which sends an electronic message to customer service. I was able to email customer service using the link provided within my account ( see message details in attachment ). The message details show my message was received by the company at XXXX XXXX. I informed them on this electronic submission contact form, that I uploaded my ID and if approved, would they be able to fund my account before the next Monday. I never received proper notification about an approval. Their response to this message didnt arrive until XX/XX/XXXX. \n\nFriday XX/XX/XXXX ( Various times after XXXX ) I hadn't heard from the company so I tried to log into my account using the correct password that I initially created. I kept getting the same 5 error messages ( see error message details in attachment ) repeatedly with no success. I repeated the reset process several times to include correctly entering a password that met their requirements. The password requirements were displayed separately, after each attempt. Specific or pieces of Password reset information elsewhere is never triggered separately as it is for Check n Go. \n\nNone of the options or instructions contained in the error messages worked and I was never emailed instructions to reset my password until XX/XX/XXXX ( see 3 reset emails received from company in attachment ). \nWhen trying to satisfy each error message, I met the password requirement and entered several different password combinations with at least one number and one letter ( i.e. XXXX! or XXXX! ) and I still got the same 5 error messages that didnt make sense, as I entering different passwords correctly based on the error message type. \nThen I got another type of error message stating that I need to enter a password with at least 8 characters as they specified. No matter what I did, including entering correct password criteria, I was never able to reset my password and access my account. \nAfter at least 5 password attempts, I proceeded to call the 800 number as noted everywhere in their communications and on their website, but I was never able to get through. I repeated the reset process many times because it didn't make sense, if I'm entering the correct criteria, why do I keep getting rerouted through each error message over and over again? \n\nFriday XX/XX/XXXX XXXX various times throughout the day ) I called the 800 listed as noted and still was not able to get through. The greeting stated to enter my zip code so I could be routed to the respective store in my area. \nAfter I entered my zip code, I was routed to the XXXX location and their greeting stated their offices are now closed, to please call back on the next business day. The next business day would be the following Monday XX/XX/XXXX. \n\nXX/XX/XXXX My bank was credited with loan fund amount of XXXX XX/XX/XXXX An ACH debit for {$XXXX} was taken from my checking account. This was their second big surprise. I never knew what the monthly repayment terms were until XX/XX/XXXX. I was very worried and felt extremely nervous, as I used the surprised funding. I was in distress, hence me seeking an installment loan. I decided, oh well, I did apply and I did get the loan funds. I was feeling like this was my obligation to pay. \n\nXX/XX/XXXX The second payment for {$XXXX} was taken from my checking account. \n\nXX/XX/XXXX I felt that although I was funded, I never signed a contract agreeing to those terms. It's wrong to surprise a person already in financial distress with {$XXXX} and charge a repayment rate of % XXXX resulting in a total loan payment of {$XXXX} after 11 payments of {$XXXX} each month. If I could truly afford this loan and still be able to feed my family, I wouldn't have needed a loan in the first place. \nDue to the uneasiness and stress of this new obligation, I called my bank and submitted paperwork to reverse the fees. While I did use the funds, I realized that I never signed a loan agreement. The process took a few days and was finally credited back to my account on XX/XX/XXXX in the amount of {$XXXX}. \n\nXX/XX/XXXX As I was retracing my steps and trying to recall and retrieve all events & applicable documentation leading up to this predatory loan, I found the notice of approval that was auto generated & sent from XXXX. The date and time showing as received in my gmail inbox is : XX/XX/XXXX, XXXX XXXX. \n\nXX/XX/XXXX Due to the reversal of fees from my bank, a Check n Go representative called me to ask for my debit card number. I explained to him that I never received the loan agreement and that I could not afford their terms and that I would be disputing the matter with concerned regulating agencies or other concerned parties regarding my consumer rights and the fact that I never signed a contract with them. \nAlso, a follow up email about how I could repay the loan was sent the same day. I received two communications in one day about repayment. \n\nXX/XX/XXXX ( XXXX PST ) Company sends me notice regarding bank reversal and requesting that I contact them to start repaying this now delinquent loan. My XXXX payment includes interest and totals {$XXXX}. \n\nXX/XX/XXXX ( XXXX PST ) I emailed the following message to the company : The links sent do not work. I applied for this loan, but was declined, then I was \" surprised '' to see the money in my account, but no one had discussed payment agreement. I would not have accepted the loan at the rate or payment of {XXXX} per month. That defeats the purpose of needing money. I needed money and a loan, but the payment per month is too costly and I can not afford that. I think this business practice of the surprise element is predatory. You know I was desperate, but funding me unexpectedly without discussing payment terms with me is unacceptable. \n\nI will repay the loan, but the links do not work, just as I tried to log into my account before you all funded me, but was and still am unable to access my account to date. I will document these events for future purposes, to include contacting the Federal Trade Commission for violations under the Fair Credit Reporting Act. \n\nI still can not access my account to view the activity to include message history, loan signing history/proof. They never bothered to follow up with me regarding the loan terms or approval. Well they did up to the point they successfully validated that I was in fact the borrower when I submitted my official ID. They obviously verified my bank info and that I did, in fact, have an active valid checking account from which they could take my money at whatever term they agreed upon for me. \nI have received over 10 calls and emails since I reversed the fees. \nTheir contact us number XXXX doesn't work ; you can't get a real live person on the phone. It leads you in circles to your respective store location that is closed. This number is listed on all messages prior to them funding your account/loan. You are not given their actual customer email address until you default or become late with your payments. All other contact us links sends you to an online submission form which gets routed to their customer service. \n\nIronically, t the return call phone number XXXX can also connect you to a real live person if you press option 2 during business hours. But first, immediately the caller/customer is given step by step instructions to enter your financial information through their auto payment system which is open and can accept payments at any time of the day. They do not offer the same availability and flexibility for consumers trying to inquire about their loan terms or ask questions about any discrepancies. Offering unlimited hours by which to receive automatic payments benefits them and ultimately creates a greater possibility of ensuring they can receive repayment funds. \nOnce they have your bank account verified, they approve you right away and auto determine loan terms. They already have your bank information early on because it's required to apply for the loan. They dont have to wait for you to submit an official Government issued ID as evidenced in my case. \n\nXX/XX/XXXX Company sends me loan agreement with the following customer e-signature on file in the space where my signature should go. I never submitted an approval to approved or sign electronically. This is not acceptable to receive a loan agreement three months after the fact. I was never able to view this document and I did not sign it.","date_sent_to_company":"2020-01-24T17:13:15.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"95687","tags":null,"has_narrative":true,"complaint_id":"3502017","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2020-01-19T22:21:00.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Ironically, t the return <em>call</em> phone number XXXX can also connect you to a real live person if you <em>press</em> option 2 during business hours. But first, immediately the caller/customer is given step by step instructions to enter your financial information through their auto payment system which is open and can <em>accept</em> payments at any time of the day. They do not offer the same availability and flexibility for consumers trying to inquire about their loan terms or ask questions about any discrepancies."]},"sort":[11.144728,"3502017"]},{"_index":"complaint-public-v1","_id":"2829504","_score":10.942541,"_source":{"product":"Debt collection","complaint_what_happened":"I received the following e-mail message on XX/XX/2018 from XXXX XXXX ( XXXX ) Important : -Read everything about your case file before you call us. We are not going to provide you any information over the phone call have to read all information before you call us so you can understand what is the case is all about. \n\nThree Criminal allegations against your name under Financial Fraud are : - 1 ) Violation of federal banking rules and regulations.\n\n2 ) Theft by deception 3 ) Breach the contract with Loan Company The affidavit states that you XXXXX, XXXXX went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX   XXXX XXXX Basically all the loan companies in your state UT they are working under my client XXXX XXXX XXXX (  XXXX  , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. \n\nAs of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. \n\nYour Credit score will hit by negative XXXX points & your drivers license will get blocked. \nYou do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court.\n\nNow this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$730.00} you don't have option to set up payment arrangement so don't ask for any arrangement we can only accept full payment of {$730.00} if you want to resolve this case out of court. \n\nNOTE : This case is under investigation by the Local police department and arrest warrant has been already issued by local police department so we cant accept your payment from your bank account or your debit card you can pay this balance is full by the EFTS ( Electronic fund transfer system ) contact us to get information for XXXX and XXXX XXXX to our financial Department Attorney : XXXX XXXX Phone : ( XXXX ) XXXX XXXX Frequently ask question ( FAQ ) ( Must Read if you don't understand what is this case about ) Q 1 : What this is all about?\n\nA 1 : You can read legal court notice so you can understand what is this case regards to Q 2 : I never receive any money from XXXX XXXX XXXX. \n\nA 2 : XXXX XXXX XXXX is financial institute who handling all child finance company in USA ( more than 1397 company ) so if you applied for loan online or if you taken out funds from store actual funds coming from the XXXX XXXX XXXX. \n\n\n\nQ 3 : What options I do have?\n\nA 3 : If you have an attorney you can tell your attorney to give me a call back so we can discuss this matter in legal term. If you want to resolve this case you can follow payment instruction to pay this amount back to client outside of courthouse.\n\nQ 4 : Why the amount is higher than the amount I owe?\n\nA 4 : Because this amount we mention is included outstanding balance, rate of interest ( XXXX  % ), late fee, court paperwork charges, Credit adjustment charges and warrant cancellation fees Q 5 : Why Im sending these funds to you?\n\nA 5 : Because under section 13B of united state law all communication between you and the client has been seized and they declared you as a defaulter our client ready to recollect this amount from you with legal court procedure so we are the mediator between you and the client. \n\nClick here to unsubscribe","date_sent_to_company":"2018-03-01T08:59:27.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"2829504","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2018-03-01T03:44:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I received the following e-mail <em>message</em> on XX/XX/2018 from XXXX XXXX ( XXXX ) Important : -Read everything about your case file before you <em>call</em> us. We are not going to provide you any information over the phone <em>call</em> have to read all information before you <em>call</em> us so you can understand what is the case is all about."]},"sort":[10.942541,"2829504"]},{"_index":"complaint-public-v1","_id":"3320221","_score":10.101389,"_source":{"product":"Debt collection","complaint_what_happened":"Here are pictures XXXX XXXX extended me credit which I used to buy 1 order of 3 items : 1 XXXX controller price orginally XXXX now on statements XXXX. \n1 XXXX XXXX XXXX 3 1 silver earrings which I was allergic to or my mail was possibly poisoned so I returned it. \n\nXXXX did not give me a 10digit Customer ID and used confusing digits to identify account ie XXXX XXXX. \nXXXX did not ship my items in 1 order to increase total shipping cost to about {$45.00} USD. \nI am certain that XXXX altered prices especially on the returned item ; see photo. \nXXXX still will not give my Customer ID and claims my account was sold to another company that uses the same email prefix XXXX XXXX [ XXXX ] vs [ XXXX ]. \nI believe XXXX can refuse to case money orders or wait to cash them causing debt errors. Or my mail is stolen and/or not delivered. \nI was unable to pay online or via card because the 10digit customer ID requirement but I have a 9 digit Customer ID. \n\n\nI suspect my mail is not being delivered and/or posioned with \" yellow stuff '' I am missing a large amount of money from Social Security Award. XXXX Card Statements show XXXX+ in back pay for Claim XXXX see XXXX but I was XXXX and still unable to afford housing. My mother XXXX XXXX XXXX XXXX died on XXXX XXXX XXXX at XXXX XXXX in XXXX XXXX. I think I am being robbed of money especially during times when I was put in XXXX hospital involuntarily and the Police stole my ID card. I am also missing 2 XXXX XXXX rings a blue   XXXX dollar bill stamped \" main office '' in blue ink and my XXXX. \n\nAfter this incident I left the trailer I was staying at Mom 's old care giver XXXX XXXX and I was XXXX again. If I had actually gotten the award amount claimed perhaps my mother would be living and I wouldnt have been homeless. \n\nNow I think I am responsible for the XXXX Back Payment in taxes and the XXXX. I wrote Social Security requesting that they stop printing my full social security number on all mail and asking for a new SSN. I also sent certified letters via XXXX XXXX Social Security Office XXXX XXXX   XXXX SSA Dep XXXX Additionally my SSN has writs of execution from XXXX I just discovered see XXXX and look for the civil cases list. I was put in XXXX XXXX but not taken to my civil court cases next door XXXX Central Court. \n-- This, after being attacked by officers during XXXX XXXX and then \" Bagged '' suffocated and my bloody tshirt evidence was destroyed and I couldnt subpeona the booking photo # XXXX for XXXX XXXX jail. They changed laws and claimed firearm removal and I was falsely arrested for \" XXXX XXXX '' and [ intentional ] vandalism. \nBut I incurred a XXXX debt collection lien from the XXXX XXXX Scans and emergency medical treatment ( possible XXXX XXXX between XXXX of XXXX XXXX ). The next month XXXX gets new CEO and bonus payouts of XXXX, XXXX I was also deemed \" XXXX XXXX '', unconstitutionally denied jury trial, denied bail, denied habeas corpus for want of bail CA PENAL 1490, and not arraigned within 72hours per CA Penal Code 825. \n\nAdditionally the Public Defender was not allowed to see me at least 1 time while at XXXX Right to see client is CA PENAL 825 ( b ) While at XXXX XXXX hospital and XXXX PRISON prior to SENTENCING or \" fair trial '' ; I was denied all forms of contact with legal representation ; including mail. \n\nI wish there was Internet in any facility whether it be government or not especially mental facilities. The constitutional right to \" assemble in peace '' would be best asserted by online assembly via internet use. \n\nAlso there needs to be a way to : pay bills ; change mailing address with USPO, send certified mail, file taxes, method to pay 3USD for Civil Suit per applicable Law, work for minimum wage to afford judicial neccessities like PHONE TIME. \n\nThe Phone Monopoly prevents calls to XXXX and any automated numbers like Attorney or Bank Robotic Message Prompts because PAID calls require the Callee to accept the call with a \" Press 1 to accept this call '' limitation. XXXX are disabled but even the AREA CODE XXXX Directory Service Line is not callable so getting a Notary Public/ Attorney or you name it could be impossible. Thus it is my belief that BAIL is RANSOM requiring a 3rd party to intervene and perhaps co-sign with \" REAL PROPERTY '' collateral. \n\nAdditionally, I suspect legal fraud with court documents failing to correctly name Attorneys of Record and intentionally omitting STATE BAR NUMBERS. Also the Courts utilize a Checkbox system that is easily modified at any later date. There needs to be a \" checksum '' and \" cross out '' unused check boxes. \n\nI think if the court wasn't corrupt recording of CA court would be legal, additionally all courts would have docket numbers to ensure the accuracy of calendared court events. But XXXX XXXX Court does not do this, it was my experience that I was chained armed crossed and not able to submit motions for XXXX return of unlawfully siezed property without Reciept of  Manifest. And I was not able to submit subpeonas nor a XXXX XXXX motion involving the expert witness destructions of \" would-be '' laden fingerprints if police accusation were truth ; and the destruction of my T-shirt Bra and other Clothing articles. Which would have blood evidence. I was also not able to present my pink flip flops in court to argue against the claim of \" wall kicking '' etc. \n\nThe court doesnt care that they erred. The Appellate court Plagiarised the material from the court case and reitterated it ; The Case Law will be unpublished and thus not allowable for plagiarism in court to deny a Judicial Officer the right of decision. \n\nThe Psychiatrist has more Judicial Power than judges with authoritive subjective statements comprising of two words \" XXXX XXXX '' that can divest real property and deny and disparage all constitutional rights ; As evidented in the XXXX case and the divestment of communal spousal property of the XXXX owner 's ' Spouse. \n\nPlease consider Standarizing Law with common numbers state to state ratified at states discretion or amended. \n\nPlease consider a new field of employment ; The Peoples ' Amenders ' Office that can help citizen complaints, law creation, reporting of loop-holes for judical amendment for JUSTICE, etcetera. Quality Assurance Testing of the law would be a beneficial employment opportunity and perhaps save taxpayers the unJUST expense of CRIME and PUNISHMENT. \n\nie 1 person out of XXXX  can cover the cost of up to 27 people on Food Assitance Programs. Conversely, a car thief punished, at maximum time per applicable laws ( which moot the need for court/jury review ), can cost more than XXXX to PUNISH. Wheras the original stolen car is much less of an expense. \n\nConsider This, -XXXX","date_sent_to_company":"2019-07-31T19:38:26.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"92543","tags":null,"has_narrative":true,"complaint_id":"3320221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2019-07-28T14:51:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The Phone Monopoly prevents <em>calls</em> to XXXX and any automated numbers like Attorney or Bank Robotic <em>Message</em> Prompts because PAID <em>calls</em> require the Callee to <em>accept</em> the <em>call</em> with a \" <em>Press</em> 1 to <em>accept</em> this <em>call</em> '' limitation. XXXX are disabled but even the AREA CODE XXXX Directory Service Line is not <em>callable</em> so getting a Notary Public/ Attorney or you name it could be impossible."]},"sort":[10.101389,"3320221"]},{"_index":"complaint-public-v1","_id":"3495149","_score":9.769947,"_source":{"product":"Debt collection","complaint_what_happened":"I received two email from two separate people with two different amounts saying that I owe a payday loan company money. The only payday company Ive ever used is XXXX and I currently have a up to date payday loan with them. Theres no way I could even have another loan out right now or for that amount they are demanding I pay even with the state of Floridas laws. They have advised that they have filed two separate cases against me in court, however I have gone to the courts website and looked up all court cases in the entire US with my name or even a variation of my name and nothing is there. The companies are claiming to be with XXXX XXXX XXXX XXXX, but there is no evidence of such law firm anywhere nor have they provided any business location or phone number other than a total of three extremely fake email addresses. This is a scam. \n\nHere is the first email. \n\n\nRECOVERY DEPARTMENT XX/XX/XXXX Account Identification Docket Number : XXXX Invoice : XXXX Balance : {$920.00} contact : mailto :  XXXX Dear, This letter confirms that XXXX XXXX XXXX   is dully authorized to accept {$920.00} in full settlement of the above referenced account. \n\nIf you are not able to submit that amount then settlement amount due is as follows. \n\nFirst Installment for Today to stop the warrant and initiate your settlement option. \n\nDate : XX/XX/XXXX Payment for Today : {$120.00} ( Rest of XX/XX/XXXX installments for {$180.00} will be scheduled for every other week ) OR You are still applicable for OIC policy by submitting {$740.00} in full before XX/XX/XXXX. \nYour payment must be submitted before due date otherwise this will be considered as a flat refusal. \n\nReply of this e-mail chain conversation is must as per bureau 's norms as a proof that you have received the communiqu from the accounts department regarding your payment registry in terms of settlement options, to resolve this case outside of court without any disputes. \n\nSo kindly respond to this email on mailto : XXXX to resolve this matter. \n\nRegards, XXXX XXXX Accounts Department Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation. \n\n\nHere is the second email. \n\n\n\n\n\nImage CREDITOR : SPEEDY CASH SERVICES CASE NO : - XXXX OUTSTANDING AMOUNT : {$920.00} Todays Settlement Amount : {$650.00} CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of Speedy Cash Services Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of XXXX XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. \n\nWe have sent you this warning notification about legal proceedings on XX/XX/XXXX, but you failed to respond on time now its high time if you failed to respond, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. \n\nWe will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$14000.00} and will be totally levied upon you and that would be excluding your attorney charges. \n\nPlease let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. \n\nThis is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. By electronically signing this Loan Agreement by clicking the \" I AGREE '' the button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.\n\nIF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto :  XXXX Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX At Speedy Cash, the privacy and security of your personal and financial information is our top priority. Since our doors first opened in XX/XX/XXXX, we have been continually innovating and implementing advanced technologies and techniques to ensure the safety and privacy of your information. We deeply value the trust you place in us and we are committed to providing you a safe and secure loan experience regardless of the method you decide to use to apply for credit with us.","date_sent_to_company":"2020-01-21T20:02:10.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"32547","tags":null,"has_narrative":true,"complaint_id":"3495149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2020-01-14T00:16:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Told you not to respond to a lawsuit they filed against you"},"highlight":{"complaint_what_happened":["Image CREDITOR : SPEEDY CASH SERVICES CASE NO : - XXXX OUTSTANDING AMOUNT : {$920.00} Todays Settlement Amount : {$650.00} CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of Speedy Cash Services Company in order to notify you that after making <em>calls</em> to you on your phone number we were not able to get hold of you so the accounts department of XXXX XXXX XXXX XXXX has decided to mark this case as a flat refusal and <em>press</em> legal charges against you."]},"sort":[9.769947,"3495149"]},{"_index":"complaint-public-v1","_id":"7750667","_score":7.126481,"_source":{"product":"Mortgage","complaint_what_happened":"My husband and I moved here in XXXX and we started the purchase process for our new home located at ( lot XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX in XXXX of XXXX. We put down {$15000.00} at closing and that left {$210000.00} that extended our credit 12 CFR ( XXXX ) XXXX. We were not aware that this put a first lien on our home, XXXX XXXX. Now they want to foreclose on me, with this new contract I received today, and I was doing what I was guided to do by Shellpoint. The down payment was part of our anniversary gift. We closed on XX/XX/XXXX. My husband XXXX. XXXX XXXX passed away on XX/XX/XXXX. He never had a chance to enjoy our home, because he was so sick, he was XXXX  for 8 months prior to his passing away. We worked hard for this home, not to be taken away due to so many breaches of contracts. I knew that I had to get all my business in order after the loss of my husband, so I called Shellpoint and asked what our payment was and about some concerns I had seen in our contract. I noticed the MIN # XXXX and below that XXXX phone # XXXX so I called on XX/XX/XXXX, and asked can you explain what a XXXX is, I did not get her name, she proceeded to say we monitor your mortgage payment, \" I asked what my standing payments look like, and I asked this because our contract was sold to a debt consolidation agency Shellpoint '', and she said XXXX I can not help you, you need to call your Mortgage company. I said XXXX, they are not willing to answer my questions, and you just told me that you monitor mortgage payments, so why can I not get my information? She got nasty and said I am ending this call and hung up on me. In my contract, it states \" XXXX  '' is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is a separate corporation that is acting solely as a nominee for Lender and Lender 's successors ( thats me ) and assigns. XXXX  is the mortgage under this Security Instrument. Lender \" XXXX XXXX XXXX ''. So I reported this to XXXX on XX/XX/XXXX and heard nothing back from them so I sent them another report, but this time I scheduled an appointment for XX/XX/XXXX, at XXXX XXXX  XXXX, I waited for a couple of hours and received an email that they wanted me to call them at XXXX XXXX. Now this was already about XXXX on XX/XX/XXXX, so I called the number they left on the email and left a message. At approximately XXXXXXXX XXXX  XXXX a gentleman called me and he said his name was XXXX and how he could help. I explained to him my experience when I called XXXX  and he said that he could not help me and that everything on the site is free information, yes sir that is true, however, there is a place where you can file a complaint and that is what I did and you're telling me that there is nothing that you can help me with, no XXXX. He told me to go back online and file an audit complaint. There is a fee for that. I said wait a minute you're saying you can not help me, and I need to pay for a service to get help. This is why I filed a complaint. He said mame call XXXX at XXXX and tell him XXXX sent you bye. Wait wait sir I am not done, so there is nothing that you want to help me with? No bye, XXXX was very short and rude. So as I continued looking over our contract I came across many discrepancies. It came to my knowledge about forbearance. I was able to make XXXX, XXXX, and XX/XX/XXXXXXXX  payments of {$1500.00}, then I was struggling, so they said because of my loss they could help me out with a forbearance they asked if this would help, and I said please explain, so they went on to tell me this is because you're in a hardship and we want to help you out because we know how this has and can affect you. Now what they did not say was that this was going to have to be paid back and or added to the back of our loan. So as a grieving widow, I put all my trust in them, because I felt they were protecting me and our XXXX XXXX, and our best interest was that this is our primary home, however, they have me in default and foreclosure and I want to know how and why? So as I continued to read our contract line per line I noticed many things. First off \" banking is NOT money lending ; to lend, a money lender must have money. The fundamental banking activity is accepting, that is, guaranteeing that some party is creditworthy a bank, by accepting a debt instrument, agrees to make specified payments if the debtor will not or can not 12 USC 1431. So then who did we borrow this money from? XXXX XXXX XXXX XXXX XXXX then sold it to XXXX XXXX XXXX  then they sold it to NewRez, and now NewRez has sold it to Shellpoint, a debt collecting agency. Now the ONLY contract we ever signed was XXXX XXXX XXXX, so right there are 4 new contracts one is incomplete without the signatures of either myself, my late husband, our attorney, or the underwriter, and the other 3 contracts where are they? What is the statute of limitations for breach of contract in Illinois? The general rule is that you have five years to sue on an unwritten ( oral ) contract or agreement and ten years on a written contract. The day we were signing our contract the Notary was not present. I asked where she was and the attorney said she would sign and notarize all documents later, I said by law she has to be here to witness and verify our signatures, and our attorney said it was okay ( Security Fraud ). I have noticed that our contract had been sold multiple times and we were not aware, nor did we sign a new contract with the newly established mortgage company NewRez or Shellpoint. Then our contract was sold to a debt collection agency in an attempt to collect a debt. \" Newrez LLC dba Shellpoint Mortgage Servicing is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Newrez LLC dba Shellpoint Mortgage Servicing 's NMLS ID is XXXX. '' Shellpoint Mortgage servicing utilizes third-party providers in connection with the servicing of your loan. Every time I ask about this they have lied to me and say they are not a debt collecting agency. They will not give me a reason as to why that is. I said I have never been late nor am I behind so why am I in collections? XXXX said that they work within NewRez therefore they are not a third-party debt collector, but any debt in collections is a third party. I have found so many breaches of contract XXXX ILCS XXXX. XXXX negligence contributing to forged signature or alteration of the instrument, where they forged my son 's initials 5-109 Fraud and Forgery, time at our previous residence was incorrect, and our SSI amounts that we made, they put my husband as making {$1600.00} and he was ONLY making {$1200.00} and had me at making {$1900.00} and I only made {$900.00}, they took our SSI award letters and did ( security fraud ) by changing the number to fit their numbers, XXXX. SSA UCC Article 8 Investment Securities ( 1994 ). 8 U.S. Code 1324c - Penalties for document fraud They said that our son was a dependent and that is not true. Documents were not signed, and our names were not done correctly First, Middle, Last. No signature from our attorney. The Affidavit of Title is not our name. We are not dead XXXX XXXX XXXXXXXX ( not subject to military law ) I am a living person XXXX  XXXX I do not identify as 14th, nor the 16th amendment. Why is my husband 's name ONLY on some of these pages of the contract if we both should be on all documents and why did they have to use our son 's name and social Security status? Again to finagle with the contract ( security fraud ). \nWhen we signed our contract we were NOT told that they put a lean out on it, when they said we were approved for the loan no money was exchanged into our hands that is where the lean came from. 12 USC 8 3A when we signed our documents on XX/XX/XXXX, within 45 days from that date our home was paid in full, with our XXXX XXXX. ( security fraud ) what they did was monetize our loan behind our backs. What does monetize mean? In the banking sector, monetize may be used to mean the process of turning an asset into legal tender. It can also be used informally to mean the exchange of possession for a cash equivalent such as charging fees for intellectual property or selling a security interest. What do you mean by legal tender? \nLegal tender is anything recognized by law as a means to settle a public or private debt or meet a financial obligation, including tax payments, contracts, and legal fines or damages. What is the exchange of possession for a cash equivalent? Cash equivalents are securities that are meant for short-term investing. Normally, they have solid credit quality and are highly liquid. True to their name, they are considered equivalent to cash because they can be converted to actual cash quickly. Credit quality is a measure of the financial solvency of an individual or an entity such as a company or a government. Specifically, it is an evaluation of the ability of that person or entity to repay their debts. \nOur very own trust money was what paid for the down payments and the loan, however, there should have been no down payment 12 CFR ( XXXX ) XXXX, if our credit was extended 15USC 1662. So Shellpoint is double dipping and wants more money. On legal documents, our attorney scratched out our information and put her information ( security fraud ) ,8 U.S. Code 1324c - Penalties for document fraud. \nIt also states that we purchased this property ( lot XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX for {$10.00}. How can we qualify for FHA Loan # XXXX MIC # XXXX ( first-time home buyers ) 42 U.S. 12852 when this is our 3rd home purchase? And also have a HUD Addendum to Uniform Residential Loan Application? Now we are at 6 breach of contracts. We were never aware of a HUD Application Loan and there are NO signatures. Part IV ( page 3 ) Direct Endorsement Approval for a HUD FHA- Insured Mortgage was NOT signed by the underwriter, nor was the Mortgagee 's Certification signed nor dated there are 8 breaches of contract and that number keeps increasing. There were documents that were not in our package that I found online and printed them and they were important documents. Our payment statements came as follows : XXXX XXXX XXXX XXXX. After my husband passed I sent them his death certificate within 5 business days and he passed on XX/XX/XXXX, and on XX/XX/XXXX, everything started coming as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 9-202 Title to Collateral Immaterial, my contract says that I have given my home ; my primary residence as collateral, no I did not, and again was not explained. I have a XXXX XXXX son. I would never agree to something like this. When we went in to sign these documents our attorney was speaking so fast that we did not know or understand and when we asked questions she would get frustrated and say we needed to hurry up. I have another appointment. My husband was very sick ; he was XXXX. At this point, he was just doing what our attorney was asking because he was so tired and needed to get back home. \nBack on XX/XX/XXXX, I called Shellpoint and spoke with XXXX XXXX. I asked her for a copy of my entire contract with them, not once was anything mentioned to me that my home was in foreclosure or default 15 USC1692 ( 1 ), which I knew there wasnt a contract because we never signed any new contracts. However, she said I would send you the closing documents, I said no I want the entire contract from A-Z, and she said I would receive it in 7 days, here we are on XXXX the XXXX and I do not have that contract, however, I have a new contract loan # XXXX that was delivered today XX/XX/XXXX, by XXXX for {$20000.00}. I called Shellpoint and spoke with XXXX XXXX. I asked her what this new claim was for and she said that it was for the {$20000.00} to be added to the back of your loan, then why did you take out another contract ( bond ) if this was going to the back of my loan :? Now again this has extended my credit 12 CFR ( XXXX ) XXXX, upon my knowledge as of today. This was never brought to my attention until today, you said that I qualified for this new program, and that was it. How did I qualify for this loan? XXXX said those are the questions I asked you over the phone. I said are you serious? You did not explain what you were doing nor inform me that this is what you were doing, and I just got this new claim in the mail. Who is the XXXX? XXXX said that it is the program that you qualified for, how when I did not authorize this and my credit score is in the low XXXX and I have tried to get a loan at the bank and was denied because of my credit, so please tell me how I qualify for {$20000.00} because I don't, I only receive {$19000.00} a year from SSD, again ( security fraud. ) I was never told that this was the process that they were taking, they said I quote \" This is going to the back of your loan '', so you want me to pay an additional {$20000.00} on top of {$210000.00} which comes to a grand total of {$230000.00} To which I did not agree too. She said this changes nothing about your existing loan, but it does because the numbers do not add up. If I take this even further in my contract it states by the end of my maturity date XX/XX/XXXXXXXX  we would have paid {$340000.00} thats without this new claim. At the end, I am going to put some numbers together and they do not add up. There are no numbers the same. Where is this application that I called about? That you said I qualified for and Yalls approved me? I never signed anything, but their cover letter says I quote ; ( Congratulations, you are approved for a Standalone Partial Claim. ) Their form of application is talking over the phone and answering some questions. I said no, that is not an application XXXX, I didnt autograph anything giving you or your corporation to approve me or to extend my line of credit 12 CFR ( XXXX ) XXXX. \nWhat does claim mean state or assert that something is the case, typically without providing evidence or proof. I told XXXX I wanted the contract that I requested back on XX/XX/XXXX, to be XXXX  out to me and she said I could not do that I said I have the right to request what's mine and how I want it delivered, she said that's impossible. Okay, I understand no worries I'll go Public and Press the Record. Here they are still claiming off my deceased husband. We recently completed an evaluation of your application, for loss mitigation ( the action of reducing the severity, seriousness, or painfulness of something. ) assistance and we are pleased to inform you that you are approved for a standalone Partial Claim, what application? I filled nothing out nor agreed in writing, meaning to make a contract it takes 2 people 2 signatures. She gave very detailed instructions on filling out this new contract that I did not agree to. I was to date everything as it is dated on the contract XX/XX/XXXX, ( security fraud ) and we know that is not the correct date, ( ALL dates on signature lines and acknowledgments must MATCH ). \nAt the top of page 1 of 3, it says in bold lettering ( ILLINOIS PARTIAL CLAIM NOTE SECONDARY LIEN ) What is a second mortgage loan or \" junior-lien ''? A second mortgage or junior lien is a loan you take out using your house as collateral while you still have another loan secured by your house. I did not agree to this, and this was not discussed with me on the phone so, XXXX XXXX said you qualify for this new program, instead of paying all this lump sum of {$19000.00} we are going to just tack it to the back of your loan. Then why do I have a new contract? That I did not consent to? \nA standalone Partial Claim is a XXXX-interest, so why is this {$20000.00} if there is NO interest as of XX/XX/XXXX, it shows {$19000.00} there is a difference of {$500.00}, and this is a subordinate lien from the U.S. Department of Housing and Urban Development ( HUD ) and has to be paid in full upon maturity of the primary note on or before XX/XX/XXXX, primary note and related mortgage, deed or similar Security Instrument are no longer insured by the Secretary. My husband and I locked in our interest rate and payment, for our protection so it could only go down never up. They have my payments going up to {$1500.00}, but this new contract loan # XXXX statement says I can resume making EXISTING monthly payments and that is in the amount of {$1500.00}. And she said that {$1500.00} is for XX/XX/XXXX, starting XX/XX/XXXX, your new payment will be {$1500.00} for a year then it will go down to {$1500.00}. Wait BUT you just told me that nothing in the existing loan changed, but it has in so many ways, without my authorization or autograph. You're telling me this is not a new loan but on this new claim that you just sent me for the {$20000.00} then why does it have the word borrower? What does the word borrower mean? For the purpose of this subsection, the term borrower means an individual who is a new borrower on the date such individual applies for a loan under this part for which the first disbursement is made on or after. 20 USC 1087e ( f ) ( 3 ) So this is telling me there has been a change, Where's that change on paper? ALL this is from losing not just my husband, but loss of his income. This is what Shellpoint called Forbearance. So on this new contract, they are still claiming on my deceased husband 's SSI # and you can not claim on a dead person, why is his name not on this new contract whether he was the head of household deceased or not, because you said, XXXX XXXX, that this doesn't change the existing contract, but it does, because youre still using his SS # and his information. How can I qualify for this loan when I ONLY make {$19000.00} a year? seized In a legal context, seized may be used to refer to a situation in which the government has taken forcible possession of the property, as in seized property. For instance, the US Department of Treasury makes auctions of seized property for sale throughout the United States. So you're taking something that is legally mine as a consumer because it was fully and totally paid for when we signed our documents within those 45 days. Page 3 of 5 in bold writing ( REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGE OR DEEDS OF TRUST ) 15 USC1692 ( 1 ) this is news to me, no one has brought this to my attention, nor have I seen any paperwork in regards to default, foreclosure, nor have I seen any paperwork that this has EVER been sold to a DEBT COLLECTION AGENCY, as a consumer I have those rights. \n\n\n{$210000.00} ( credit ) if these are credits why are they adding and not misusing + {$12000.00} ( credit ) ______________ {$230000.00} ( total ) this should read {$200000.00} {$230000.00} - {$15000.00} ( down payment ) __________________ {$210000.00} ( tota ) {$230000.00} ( new amount ) + {$20000.00} ( new claim as of XX/XX/XXXXXXXX  ) _________________ {$250000.00} ( total ) {$340000.00} ( this is what we will pay at the end of the term w/o the additional {$20000.00} ) {$20000.00} ( new clam XX/XX/XXXXXXXX  _________________ {$360000.00} ( this will be a 30-year maturity in XX/XX/XXXXXXXX  )","date_sent_to_company":"2023-10-24T06:00:14.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"60046","tags":null,"has_narrative":true,"complaint_id":"7750667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-10-24T05:32:29.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["So I reported this to XXXX on XX/XX/XXXX and heard nothing back from them so I sent them another report, but this time I scheduled an appointment for XX/XX/XXXX, at XXXX XXXX  XXXX, I waited for a couple of hours and received an email that they wanted me to <em>call</em> them at XXXX XXXX. Now this was already about XXXX on XX/XX/XXXX, so I <em>called</em> the number they left on the email and left a <em>message</em>."]},"sort":[7.126481,"7750667"]},{"_index":"complaint-public-v1","_id":"7668085","_score":5.589365,"_source":{"product":"Credit card","complaint_what_happened":"I went to a XXXX by Wyndham timeshare presentation on XX/XX/XXXX. I attended the presentation with my fiance XXXX XXXX. The presentation was held in XXXX XXXX, California at the XXXX at the XXXX on XXXX XXXX. Our presentation was at XXXX pm, however we arrived early ( approximately XXXX pm ). The desk/check in agent was named XXXX. He said he would have us meet XXXX, who was finishing up the last presentation. XXXX said that we would just meet with XXXX, and XXXX informed us we would not be attending the group presentation, since we were there so early and he did not want us to wait too long. \n\nXXXX sat down with us some time between XXXX minuets after XXXX. He asked us several questions about how we travel and what our travel goals were. He explained the benefits and perks of the timeshare program. XXXX of which was a Wyndham Rewards Credit Card. Both XXXX and I stated that we were not interested in a credit card each time it was mentioned. \n\nXXXX then offered XXXX several point rates. We said we were not interested in those packages and they were out of the range that we could spend. He asked us to fill out a credit check application to see what other options we would have. This was completed on XXXX ' XXXX. He offered us a version with lower points and an mentioned the ability to finance a down payment. \n\nFollowing that conversation, XXXX said that our credit came back very good and he would be able to get us completely financed. He said that I needed to verify our eligibility for a loan. ( he always said loan while talking about this part, never credit card ). He sent a link to my phone number ( he had entered it wrong the first time ) and a text arrived at XXXX pm. The text read : \" Hello, XXXX Thank you for considering Citizens Pay to finance you XXXX XXXX XXXX XXXX \nPlease click the link below to check your eligibility for a XXXX XXXX XXXX of XXXX to finance your club XXXX XXXX XXXX \n\n*Website here* Thank you, XXXX XXXX \" I clicked the link on my phone and filled out a form with similar information to the credit check. As I completed that form I got a verification code texted from XXXX XXXX and put that in the form. \n\nAfter completing the form a few moments went by while it verified eligibility. There was a note at the bottom of XXXX of the screens that said this check would not effect my credit history ( paraphrasing here as I can not recall the exact verbiage ). \nAt no point did anyone mention that it would or could be be used for a credit card. \n\nThe website stated that I was eligible. Then it showed a loan amount with a slider below it. Under the slider were numbers that showed interest rate ( 22 % ), monthly payment, total cost of loan, total cost in interest and other information provided when you sign up for a loan. There was a large continue button at the bottom. I did not press this button. I closed the website on my phone. \n\nXXXX and I decided that we did not want to pursue this option, mostly due to the interest rate and the total payments would have been around {$250.00} XXXX and we felt that was too high. \n\nXXXX had stepped away and when he returned we told him that we decided to decline. XXXX said not to worry, he would get the decline paperwork. He returned with at second person, whose name we can not recall. He had a dark beard and spikey dark hair he was approx. XXXX feet XXXX inches and slender. He brought another lower offer for around $ XXXX and very very rapidly talked about using a the XXXX credit card and the Vacation SideKick programs ( this was a discount program that was part of the perks of the timeshare ) to offset the costs of financing the XXXX program. He mentioned the credit card several times. Each time he brought it up, XXXX and I both said that we did not want a credit card. After he finished his very rapid pitch, I said that was far to complicated and we do not want anything to do with a credit card. He said ok and thanked us for his time and left. XXXX also thanked us for his time and said he was going to go. Another person was going to do an exit survey and then get us our vacation gift for attending the presentation. \n\nAnother gentleman with reddish brown hair, who was about XXXX foot XXXX inches came to the table with a survey. We can not recall his name. He asked us a few questions. He then offered us a temporary membership that included XXXX points, Vacation SideKick that expired in XXXX years. This cost {$2000.00} and would lock in the rates for XXXX years. XXXX and I decided this was worth using this as a XXXX XXXX and traveling. We said yes and I paid with my credit card. \n\nHe said that he was able to use the information in the system from when we input it into XXXX ' XXXX. He sent some documents to sign via XXXX, which arrived at my personal email at XXXX pm. They were sent by XXXX XXXX, who we did not meet. I read and completed the forms. I specifically made sure that I was not signing up for any loans, credit cards or anything with a recurring cost. The forms said that there was no interest rate and no further money required. I completed the forms at XXXX pm. I received an email from XXXX that they had been completed at XXXX pm. \n\nWhile I completed the forms, he got us the information for our gift vacation. We completed the conversation and he showed us to a window where XXXX was sitting at a desk. He asked us a few questions about the presentation and our plan. I am not sure what time we spoke with him, but I think that it was approximately XXXX pm. I think I got the email from XXXX at this time. \n\nAt no point did I approve a credit card, was asked to apply for a credit card or was shown terms of service for a credit card. \n\nWhen XXXX and I got home a few hours later ( around XXXX pm ), I noticed that I had gotten an email at XXXX pm from XXXX XXXX XXXX XXXX that said : \" Hi XXXX, Welcome to your new XXXX XXXX XXXX XXXX account. \nYour new card should arrive by mail in a plain white envelope in approximately 710 days. Along with your card, youll receive details about your new account and instructions for activating your card. \nWith your card in hand, youll also be able to set up online access to manage your account at XXXX a convenient way to view your account activity, make payments and more. \nLook for more information from us about our services, plus additional tips to help you make the most of your new account. \nThanks for choosing the XXXX XXXX XXXX XXXX. \n\nThis email is intended for : XXXX XXXX and sent to XXXX for account ending in XXXX You have received this email because you have been approved by XXXX XXXX XXXX XXXX. \nPrivacy Policy Please Do Not Reply to this Email This is a notification-only email that can not accept incoming replies. To send us an email, simply log in to XXXX and click contact us to send your message securely. \nXXXX XXXX and XXXX XXXX XXXX are a registered trademark used under license. \nThe XXXX Rewards Earner Card is issued by Barclays Bank Delaware, pursuant to a license by XXXX XXXX XXXX Visa and Visa XXXX XXXX registered trademarks and used under license from XXXX XXXX XXXX XXXX \nXXXX Barclays Bank Delaware, XXXX box XXXX, XXXX, DE XXXX, XXXX FDIC. '' None of the documents that I signed included information about this card or anything from XXXX. \n\nOn XX/XX/XXXX at XXXX am I called XXXX customer service line. I used the last XXXX of my social security number to access account information ( I also do not have a card yet, so I do not have the complete account number ), but had an issue because my phone number did not match any account. I was eventually able to proceed to the menu where the system stated that I had a {$2000.00} limit and no balance due. \n\nI finally talked to a representative. I had to explain the situation 4 times to the representative who kept asking what company charged my card. The representative had an XXXX accent and said her name was XXXX. I stated that I wanted to close the account and have it removed from my credit history because I did not authorize the account and I did not want it. She finally stated that she would close the account and remove it from my credit history. She verified my information and said that Accounts XXXX XXXX contact me in the future. \n\nXXXX acted well here, but the issue is that XXXX Wyndham used my information and applied for a credit card without my knowledge, consent or permission.","date_sent_to_company":"2023-10-09T19:24:34.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"92115","tags":null,"has_narrative":true,"complaint_id":"7668085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2023-10-09T17:12:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Privacy Policy Please Do Not Reply to this Email This is a notification-only email that can not <em>accept</em> incoming replies. To send us an email, simply log in to XXXX and click contact us to send your <em>message</em> securely. \nXXXX XXXX and XXXX XXXX XXXX are a registered trademark used under license."]},"sort":[5.589365,"7668085"]},{"_index":"complaint-public-v1","_id":"7341019","_score":3.9793782,"_source":{"product":"Debt collection","complaint_what_happened":"My letter to the board of WSFS and their retained counsel:\n\nRepresentatives at XXXX, XXXX, XXXX  and WSFS representatives:\n\nThank you for taking the time to read the information enclosed below regarding the ongoing issues and pending legal action against WSFS.\n\nMost of you are aware of the previous correspondence sent by myself to the board regarding issues stemming from allegations of discrimination in conjunction with several other improprieties.  That correspondence was met with initial concern from your Chief Legal Officer who guaranteed an investigation into the matter.\n\nXXXX XXXX then reviewed the matter, decided to cancel the relationship, and call in a line of credit to be immediately satisfied in full of $XXXX  which was paid entirely.  In the following weeks, XXXX XXXX, a collection specialist, was given the account, and instructed me I could only make payment by paper check.  Three attempts have been made to satisfy loan payments by check, two of three not cashed, all check numbers available if needed.  I find it auspicious that I still was unable to make payment electronically.  As of today, payment will be dropped off, in person, at your corporate office, with a video made, so as to make sure there is no confusion.\n\nAs a result of the missed payments, which I would like to point out that in 11 years, the only missed payments ever recorded was during this situation.  XXXX XXXX, sent a pdf of a letter accelerating all loans to be satisfied in 15 days for over $XXXX XXXX.  It was sent to XXXX which was an email created for the sole purpose of emailing attorneys regarding my case and never furnished to WSFS or XXXX XXXX.\n\nIts imperative that this board, and anyone reading this, comprehends what is taking place in the present, and what will take place in the future.  On XXXX XXXXXXXX XXXX, in response to the actions that took place by WSFS, and before I addressed the board on XXXX, I sent a detailed outline to a reporter from the XXXX XXXX XXXX  that I have cultivated an association with over the years.\n\nThe next part is important, so pay attention.  In that outline, I stated the actions that would take place, the likely response by the bank, and the likely outcome of the situation.  The individual has been receiving the communications and the videos I have shared, the ones I will share in this letter, and he has the ones that I still have yet to release.  This person has been watching the situation unfold with the strong anticipation.\n\nXXXX XXXX sent the acceleration demand to an email that was only structured for the purpose of emailing attorneys, an email that he and WSFS were never furnished.  I instructed the board of my intention of emailing attorneys, I just didnt say when.  Time passing and my prevailing patience hasnt changed the course of action.  The first push of connections was 274 attorneys.  Some of which may or may not have been emailed to known attorneys that have a conflict of interest, where it may or may not have been assumed it would reach your counsel in one way or another, which it did as he sent it to the email provided only to those attorneys.\n\nThe email sent to these attorneys, as Im sure youre aware, is a quick outline of the case, with attached videos.  The first video is the one sent in my original letter to the board, the second is a video of the 211 emails I sent during my time where there was alleged discrimination, my claims of discrimination outlined in time stamped emails, and my feelings surrounding those inflammatory acts.  This video shows XXXX XXXX did not do a thorough investigation, did not review emails on the servers, and clearly didnt review the ones from prior to XXXX.  I anticipated this, along with the actions that would be taken by the bank, and the recommendations of their counsel.\n\nThe SEC was given the information under submission number XXXX and the State of Delaware Investor Protection Unit also was furnished the information you have seen and still have yet to see.\n\nThe Securities and Exchange Act of 1934 is a serious matter, along with the Federal Civil Rights Act of 1964, and breach of the obligation to provide correct information is considered a serious matter.  There is a procedural duty to provide correct information.  Whether your investors believe that they were injured will be entirely up to them, and as I stated before, I have never traded the stock of WSFS, nor will I.\n\nI believe theres a substantial likelihood that reasonable investors would consider this disclosure, especially during that time and space in this country, significant not only for the stock, but also in regards to a merger.  Most investors will rely on the integrity of the price set by the market, and this is only achieved with accurate information.  Releasing information so incomplete as to mislead investors, employees, and the public is negligent and reckless.  Employees have the right, just like investors, to have information available to them to know if the culture of the workplace matches their moral compass.  A court, or person, can never set the bar too low for a standard of materiality, and the information I have provided and accusations I have made would be considered information that can alter the total mix of information made available.\n\nAntitrust laws have been violated, and the FTC always conducts comprehensive merger reviews and their opinion surrounding a multi year, documented claim of discrimination over hundreds of emails, text messages, voice conversations, supersedes whether this board, or its counsel, believes that any wrongdoing has committed.  In total, there were over 34 laws and regulations broken.  Of the attorneys that were contacted some were investor class action attorneys.  I have been sent engagement letters by several notable attorneys and have yet to decide who I will move forward with.\n\nWSFS will be forced to provide basic-level information and will need to be forthcoming.  While XXXX XXXX  thought it to be acceptable to overlook such a pressing matter and give it the proper due diligence, she left your company wide open for lawsuits for things beyond the scope of what she may have perceived she was dealing with.\n\nThe Department of Justice and its actions have also been calculated into my series of events, along with inquiries coming from both national and state agencies.  While your counsel may provide you comfort in what his defenses can and would be, then I would give notion that you still arent understanding the gravity of the situation you are in.  Now that I have validated credibility in my claims through the many attorneys that have wished to engage the matter, now is the time for the press to be made aware of the claims, the videos, and the like, that has been shared so far.\n\nIm not going to review in this email all the precedence surrounding this states legislature, as that is the job of your counsel where he will bill you accordingly for said work. The main objective of counsel appears to have been from defending you against me, but they failed in defending you from yourself. Your sole focus was on intimidation tactics surrounding my accounts and my treatment, but left you exposed in areas surrounding my case and others.  Dont let them tell you otherwise, and if they do, or even posture towards more defense, then I would suggest you find new counsel.  Their job is to make you aware of your liabilities in all forms, not be narrow minded and leave you exposed, which they did.\n\nYour merger with XXXX XXXX correlates timelines of my XXXX complaints, and your merger with XXXX XXXX  and XXXX XXXX XXXX (XXXX  XXXX) timelines also provide motives around suppressing discrimination claims despite hundreds of emails, videos, and verbal complaints.  The holdings of these companies, their investments, and the claims presented leaves liability in ways that only the highest level of financial analyst can explain to you. Your business combination disclosures have been reviewed in their entirety, along with all matters pertaining to your XXXX activity.  Manipulating information surrounding claims of discrimination, disregarding federal regulation surrounding it, and your lack of disclosures to investors provides enough burden of proof to bring action.\n\nI was a gentleman the first communication and in how these matters have been handled.  I gave the bank sufficient time to try and remedy the situation on their own, and then decided to use an attorney who I trust and attempted to mediate a remedy despite it not being their field of expertise. Did I anticipate that XXXX XXXX would know XXXX XXXX field of expertise, think it to be leverage, and his office would take their course of action?  Maybemaybe not.  Ill leave that to you to decide.\n\nI appreciate everything XXXX  did in helping in the situation, she is a true friend and good person.  When XXXX XXXX approached her and attempted to convince her to offer me to sign away my legal rights in order to not accelerate loans payments, she immediately indicated that she understood something was wrong and that it wasnt her area of expertise and strongly advised me to find a bank law specialist and to pursue action.  She provided recommendations, which was appreciated, but I had anticipated this action, not quite in this manner, and had already taken precautions.\n\nAs XXXX XXXX, his firm, and this bank are so keen on accelerated deadlines then I propose my own.  Your bullying tactics and requiring payment in 15 days surrounding $XXXX XXXX in loans was received, and in return I will extend the olive branch for your second go round, much like the first, however, this is the last, as the stakes are significantly higher now, and the equilibrium moment of decision making is actually upon this board and the company.\n\nI speak for myself, as Ive always maintained, and will provide the board a settlement offer.  All I have ever wanted is to be treated like all other customers.  My original offer still stands, WSFS can terminate XXXX XXXX and XXXX XXXX, pay no money, admit no wrong doing, and I will continue to pay loans as specified, as I have always done, never missing a payment for 11 years.\n\nThe second option is an immediate resolution and settlement of $XXXX XXXX.  The balance to be paid after satisfying all outstanding loans.  That will result in immediate termination of all communication with prospective attorneys, waive my rights to a class action lawsuit and any information leading to class action, and I will no longer comply with any government agencies that I am presently working with in relation to this matter.  All complaints will be rescinded, and WSFS and all entities I control and own will never have dealings again.\n\nIf this settlement is rejected, then I will be moving forward with a $XXXX XXXX lawsuit, provide full cooperation to any government entities necessary, and will begin my second wave of emails to attorneys seeking counsel, and any news outlets that can help put me in touch with the appropriate counsel.\n\nI warned this board against using probability modeling in handling this case. Attached is the blanket email sent to attorneys that I am seeking counsel from.  My researchers have every licensed attorney in the state of Delaware and will continue looking out to more firms, in surrounding states, to at the least educate them on a potential class action lawsuit, but also for my own suit.\n\nThe deadline put in place for my loan acceleration applies for your settlement offer.  If you choose to decline the offer, then I respect that decision, and I believe this will be a strong legal battle that will be a good case overall.\n\nIt would be unfair for me to not make you aware that I have reached out to the Attorney General for the XXXX XXXX, of which I belong, based in Oklahoma, and have requested the assistance of the Office of the Attorney General, and all pro bono legal assistance the tribe can offer in the state of Delaware and through other XXXX  around the nation who would be interested in assisting.\n\nAfter this meeting, no settlement offers will be accepted, offered, or countered.  I will not allow this lending institution to take the legal stance of wanting to wait, see, and then offer a deal.  My culture and disposition in life wont allow it.  Never was about money, I stated that from the beginning.  If you feel your bank didnt violate any laws, then the incompetence of your employees will be on full display for the world to see when questioned in the matter.\n\nWhether you believe you did anything wrong or not is not for you to decide.  This bank took a perfect customer, who grew profits every year, revenues every year, never missed a payment, has flawless credit, great financial stability, and the bank chose to redline him into lower loan packages, keep him suppressed in small business far past revenues pushed past $XXXX XXXX annually, and discriminated against him while he made formal complaints for years just to help branch managers get better bonus structures.  Then when vocalizing these complaints to the board, his credit lines were called in, all banking terminated, and then standard loan packages called in.\n\nXXXX XXXX requested the statements for the closed account of #XXXX  from XXXX, and has still not furnished them along with the check viewer images that the CPA needs, much as  he didnt furnish them the two months I asked for them.  The blatant disrespect and mistreatment has been on full display, and when it goes in front of the world, we will let them decide for themselves.  I hope hes not going to say its not true, like everything else, when my attorney requested them in addition.\n\nI look forward to your response, however, I have already anticipated it, and like a great play, we will enter the third and final act.  However, there are twists in this one that you just dont suspect.  You played your hand, a little early I might add, and now its my turn, and like a patient investor, I will see the rewards of my patience.\n\nAttached:  Letter to Attorneys.\n\nHi XXXX, this is XXXX XXXX, Delaware's largest XXXX XXXX, and Delaware's most successful entrepreneur under 40. For three years, I made time stamped email and text complaints surrounding my treatment as a WSFS customer and the discriminatory nature the bank was drifting in. I have attached the XXXX  video link for the XXXX  meeting between myself and two WSFS including XXXX XXXX. The second XXXX  link reviews the details of the emails exchanged surrounding my claims to several key executives and their blatant attempt to quiet me. There are 211 separate email events that are all documented and verified. These are the emails on the server since XXXX. Prior to XXXX  there are more emails that are even worse that I can make sure to include after engagements have taken place. As a high net worth individual, money is not, and has not been my motivator. People who encounter me understand immediately that I am a person of discipline and principle. I give people in life every opportunity to help themselves before I choose any action and move forward. When I do move forward it's with full force. I cautioned the bank of using probability modeling surrounding my treatment and their handling of the information they possessed. My personal belief is that most who watch the video are immediately aware clearly of egregious acts that were committed by bad faith actors who infiltrated this once great bank's executive suite and treated it much like the executives at XXXX XXXX. The actions of the bank to pursue the laws of probability and \"breakage\" and \"slippage\" means that money is something they value most, more than a person's rights, leading me to the notion that damages should be pursued, and not a small amount, but rather a ground breaking amount. Now that we've determined monetary gain wasn't my main motivator then let's talk about why I am doing this. I have single handedly raised my son, XXXX XXXX, to be XXXX XXXX XXXX  in history to receive D1 and ivy league scholarships, and he committed to being the youngest student in XXXX XXXX History at the age of XXXX. Attached is his video of scholarship offers so you know this to be true, along with my XXXX  profile so you can verify me as well. I am building XXXX XXXX XXXX, working alongside the State of Maryland and the state of Delaware, all in addition to my businesses. I would be doing my son a grave disservice by allowing him to see a company treat us in this way and not be held accountable. With that said, I will pay a PREMIUM to the standard attorney compensation awarded for damages. Review the tapes, let me know your thoughts, and let's move forward immediately.The allegations of my discrimination came at a time that WSFS was also completing a merger and not a single person can explain why matters surrounding claims of discrimination never went beyond the branch the one person who oversees it. I believe that shareholders deserve to know exactly what was happening at this bank during that period and their investors have the right to question executive management and their motives surrounding this. There's a lot at play here, and their pressure has been mounting as I have still repeatedly increased my pressure seeking answers surrounding their behavior. Now it's time to bring in a professional who does this for a living and while I am very successful in my areas of life, it's best to adopt a model of deferring to others in a situation such as this one.I am very eager to get to work, so let's begin with a phone call as early as tomorrow. My assistant found your information, so I figured I'd reach out directly.\n\nYour future client,\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-08-02T22:03:12.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"7341019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WSFS FINANCIAL CORPORATION","date_received":"2023-08-02T21:58:07.000Z","state":"DE","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Then when vocalizing these complaints to the board, his credit lines were <em>called</em> in, all banking terminated, and then standard loan packages <em>called</em> in.\n\nXXXX XXXX requested the statements for the closed account of #XXXX  from XXXX, and has still not furnished them along with the check viewer images that the CPA needs, much as  he didnt furnish them the two months I asked for them."]},"sort":[3.9793782,"7341019"]},{"_index":"complaint-public-v1","_id":"3214951","_score":3.2409403,"_source":{"product":"Debt collection","complaint_what_happened":"Re : United States Court of Appeals ; Case File # XXXX ; YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house. \nPersonal/Loans Open/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXXXXXX XXXX  to XXXX Greetings to whom it may concern, I am officially emailing you back with a reply for the OOCR program/settlement. Email is the best way to reach me and have a receipted correspondence of the upcoming steps for gradually clearing this old debt. Thank You in advance and look forward to hearing from you shortly. \nRespectfully Submitted, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX!!! \n\n\n\nOn Thu, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX  XXXX wrote : Reason of this notification : Against you filed Concealment Lawsuit ( Terminology *Concealment Lawsuit* in law book means any Creditor/Company/Law Firm/Business can file case against you without revealing identity to convict/ ( YOU ). \n\n\n\n\n\nFINAL NOTICE FOR DEBT SETTLEMENT CASE FILE NUMBER XXXX DUE AMOUNT : {$1300.00} LOAN COMPANY XXXX XXXX XXXX  Failure to attend may result in a warrant being issued for your arrest. \n\n\n\nSUBMITTED XX/XX/2018 FOR LOAN RECOVERY You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\nWe are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately. \nA violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly. \n\nThree allegations are been charged as under : 1 ) Under Section 19 U.S.C 7859 Violation Of Federal Banking Regulation 2 ) Under Section 37U.S.C 2342 Collateral Cheque Fraud 3 ) Under Section 42U.S.C 5619 Theft By Deception The Attorney General 's Legal Affairs & Investigation Section has received the complaint regarding your bad loan. In an effort to make you aware of information received by the Attorney General 's Legal Affairs & Investigation Section concerning your Case File, we are sending this complaint to you for response. \n\nWe would appreciate it if you would provide your written reply within 24 hours of receipt of this request so the complaint can be resolved without further action by the ( AIPOFS ) Annually Investigation Practices Of Federal System. \n\nI would like to personally offer you good faith adjustment if you agree the terms of the resolution so we can confirm with the Groups Of Attorneys that the resolution offered is acceptable and close the file. If you deny then I apologies but seek to issue arrest warrant against you in 24 hours you will be taken either from your work place or home under the custody of 72 hours after bail this matter will be fully revealed in courthouse after the default judgement.Under Section 31 U.S.C 3716 the company can collect the funds before three years of the contract as per the Federal Government Right to collect the debt first accrued, except as otherwise provided by law. \n\nWhich carries a maximum sentence of 3.5 years of prison and a fine up to $ XXXXLegal costs and interest may be added to the debt.\n\nYOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.\n\nPS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, so please EMAIL us back ASAP.\n\nBy requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you.\n\nThank you for your prompt attention to this matter.\n\nNOTE : Please send all communication electronically to this email asap. \nOffice of the United States Trustee, Long Island Federal Courthouse, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXXE XXXX XX/XX/2018 , XXXX PM to me XXXX XXXX, XXXX Total Outstanding Balance ( Due Amount ) : {$1300.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) The Payment Method accepted by our company in settlements is XXXX XXXX XXXX XXXX XXXX XXXX . \n\n\n\nOne Time Settlement Offer : 1 : {$750.00} ( if paid Today ). \n\n2 : {$1000.00} ( If Paid Within Week ) Since this loan account is very past due so we would appreciate if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action. \n\n\n\nFor any queries or concern, you can contact us. \n\n\nXXXX XXXX XXXX  XXXX XX/XX/2018 , XXXX XXXX to me Please contact us on this same email as this is the Email Recovery Department of Advance Cash Express . \n\n\nDo update us with your intention that you want to resolve this case or you want to dispute XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Let us know are you willing to resolve this case outside of the court house or not so that we can proceed further and update your case file. \n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Do update us with your intention that you want to resolve this case or you want to dispute. \n\nXXXX XXXX XXXX XX/XX/2018, XXXX XXXX to ace.debt.payday Good Morning, Neither of these 2 payments options are financially feasible for me at this time ... A payment plan of twice a month at {$50.00} is currently what I can financially afford to pay until this dept is settled ... I am currently in garnishment with my student loans and that is where over 50 % of my paycheck is going and has been for the past 2 years now. With that and paying bills, I don't have the finances to do extra and some of my current bills. If this plan can not be done, I understand and will have to seek other options .... \nThank You XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX!!! \n\n\n\n\nOn Fri, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXXE XXXX wrote : Let us know are you willing to resolve this case outside of the court house or not so that we can proceed further and update your case file. \n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX  to me A review was done on your file with the account section and we have decided that you can also pay the amount in 12 equal installments of {$50.00} Biweekly starting from today so that we can hold your case file else it will be forwarded. But as per the company policy we can not take such small payments through Debit/Credit cards, As we have a tie up with the company so you can pay this through XXXX XXXX. \n\n\n\nAnd a full & final payment receipt will be provided to you as per your records. \n\nTherefore, do update us ASAP so that we can work well on your file. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We are waiting for your response. \n\nXXXX XXXX XXXX XX/XX/2018, XXXX XXXX to XXXX I have never heard of such or done any payment plan through XXXX .... Any payment/installment that I have ever done OFFICIALLY with a company/Bank/Creditor/Collector has always gone through an Official Office/Branch that has given me a receipt of payment each and every time a payment was taken or made. I need some clarification on this process because this does NOT sound Official at all with the response you just emailed me .... I am currently at work, but would like some official Documentation/contract sent to me via email with the layout of the payment plan/installment before I agree to this ... I am not saying this if fraudulent, but I have never cleared a debt in this manner. I am going off my history with clearing debts and debts of all kinds ... \nThank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! \n\n\n\nXXXX XXXX XXXX  XXXX XX/XX/2018, XXXX XXXX  to me You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me ou are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\nFailure to attend may result in a warrant being issued for your arrest. \n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We have sent you several emails regarding this debt but you are not taking this matter seriously, we have to forward all these collection emails and download this case file as you have not updated your clear intention and ignoring this serious matter. \n\n\n\n\nXXXX XXXX XXXX XX/XX/2018, XXXX XXXX to ACE Good Morning Again, I have asked for an explanation on why money has to be sent on an XXXX Card, and that has yet to be explained to me. In past debt collections, I have NEVER been asked to submit funds on any kind of app card or such. I have always setup a payment plan with a signed contract for the data if when funds would be withdrawn and a timeline of the initial payment to the final payoff date. This is all I'm asking for because I don't want to be scammed or send funds to a fraudulent account/Department/group and the debt is not cleared. Clarification and Security is all I'm asking for please and Thank You! \n\n\nOn XX/XX/2018 XXXX XXXX, \" XXXX XXXX XXXX '' XXXX wrote : We have sent you several emails regarding this debt but you are not taking this matter seriously, we have to forward all these collection emails and download this case file as you have not updated your clear intention and ignoring this serious matter. \n\n\n\n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We take small payment via XXXX card only as we have tie up with the company regarding debt settlement cases. They allow us adjust your payment dates and amount according to the case.If you pay us with your Credit/Debit Card, you have to make a minimum payment of {$1400.00} in order to close this case file of yours. \n\n\nA Debt Closure Certificate will be provided to you once we will get payment confirmation from our Accounts Department. \n\n\n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Let us know about your final intention whether you are going to make payment or not so we will update in your case file accordingly and start legal consequences against you.\n\nGet back to us ASAP to discuss about it, We will be happy to assist you further. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX  to me Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX  to me Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\nXXXX XXXX XXXX XX/XX/2018, XXXX XXXX  to ACE Good Morning, Yes I am willing to resolve this matter outside of court. Please send me Directions on what I need to do on my end to start the process of repayment ... \nThank You! \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX!!! \n\n\n\n\nOn Wed, XX/XX/2018 at XXXX XXXX  XXXX XXXX XXXX XXXX wrote : Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me The only mode of payment we are allowed to accept below {$500.00} is thru XXXX XXXX XXXX   Apple, and you do not have to give out any of your personal information to anyone. \n\n\n\nAll you have to do is get a XXXX XXXX XXXXXXXX by XXXX with value of {$100.00} on it from any of the stores mentioned below, scratch on the bottom on the back side of the card, and provide us code. \n\n\n\n\nXXXX Gift Card by XXXX is available at these stores : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : We also need copy of payment receipt as well as copy of back side of the card in order to process your payment. \n\n\n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\nXXXX XXXX XXXXT XXXX XX/XX/2018, XXXX XXXX to me Let us know are you willing to resolve this case outside of the XXXX house or not so that we can proceed further and update your case file. \n\n\nXXXX XXXX XXXX  XXXX XX/XX/2018, XXXX XXXX to me We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. \n\n\nWe still trust court actions will not be necessary and look forward to receiving payment by return. \n\n\n\nXXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me If you trying to run away, we will forward you case file to our legal department where our attorney will handle your case file and may be you have to face legal consequences. \n\nThe amount still running on your name is {$1300.00} and you have to pay it by the end of day today otherwise you will catch by your local cops ASAP. \n\nLet us know about your final intention whether you are going to deposit your payment or else you are going to fight against us.\n\nGet back to us ASAP with your clear intention, We will be more happy to assist you further. \n\nRegards XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX   to me Dear Customer, Invoice Amount : {$1400.00} Date : XX/XX/2018 As you are aware the above invoice remains unpaid by you. Despite numerous reminder emails and telephone calls requesting payment of this account, the debt remains owing. \n\nAccordingly we advise that if payment in the sum of {$1400.00} ( XXXX XXXX XXXX ONLY ) is not received by this office within THREE days of the date of this letter, we will instruct our solicitor to issue proceedings against you, to recover the unpaid debt together with our legal costs. \n\n\n\nBest Regards, XXXX XXXX ( Case Manager ) XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to XXXX XXXX XXXX, This is XXXX XXXX, and I wanted to see if you could check these emails out for me to see if this is fraudulent activity. I think I remember having a loan with them a while back, but the way of their approach in these emails is very negative and I wanted to make sure this was a legitimate payment request. If not I would like to see about starting another debt consolidation and clear this up the proper way ... All emails are in this thread for you to look over ... \nThanks Again, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! \n\n\nForwarded Conversation Subject : Re : United States Court of Appeals ; Case File # XXXX ; YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house. \n-- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX Date : Thu, XX/XX/2018 at XXXX XXXX To : XXXX Greetings to whom it may concern, I am officially emailing you back with a reply for the OOCR program/settlement. Email is the best way to reach me and have a receipted correspondence of the upcoming steps for gradually clearing this old debt. Thank You in advance and look forward to hearing from you shortly. \nRespectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! \n\n\n\nOn Thu, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Reason of this notification : Against you filed Concealment Lawsuit ( Terminology *Concealment Lawsuit* in law book means any Creditor/Company/Law Firm/Business can file case against you without revealing identity to convict/ ( YOU ). \n\n\n\n\n\nFINAL NOTICE FOR DEBT SETTLEMENT CASE FILE NUMBER XXXX DUE AMOUNT : {$1300.00} LOAN COMPANY Advance Cash Express Failure to attend may result in a warrant being issued for your arrest. \n\n\n\nSUBMITTED XX/XX/2018 FOR LOAN RECOVERY You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\nWe are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately. \nA violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly. \n\nThree allegations are been charged as under : 1 ) Under Section 19 U.S.C 7859 Violation Of Federal Banking Regulation 2 ) Under Section 37U.S.C 2342 Collateral Cheque Fraud 3 ) Under Section 42U.S.C 5619 Theft By Deception The Attorney General 's Legal Affairs & Investigation Section has received the complaint regarding your bad loan. In an effort to make you aware of information received by the Attorney General 's Legal Affairs & Investigation Section concerning your Case File, we are sending this complaint to you for response.\n\nWe would appreciate it if you would provide your written reply within 24 hours of receipt of this request so the complaint can be resolved without further action by the ( AIPOFS ) Annually Investigation Practices Of Federal System.\n\nI would like to personally offer you good faith adjustment if you agree the terms of the resolution so we can confirm with the Groups Of Attorneys that the resolution offered is acceptable and close the file. If you deny then I apologies but seek to issue arrest warrant against you in 24 hours you will be taken either from your work place or home under the custody of 72 hours after bail this matter will be fully revealed in courthouse after the default judgement.Under Section 31 U.S.C 3716 the company can collect the funds before three years of the contract as per the Federal Government Right to collect the debt first accrued, except as otherwise provided by law.\n\nWhich carries a maximum sentence of 3.5 years of prison and a fine up to $ XXXX.Legal costs and interest may be added to the debt. \n\nYOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.\n\nPS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, so please EMAIL us back ASAP. \n\n\nBy requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you. \n\nThank you for your prompt attention to this matter. \n\nNOTE : Please send all communication electronically to this email asap. \n\n\nOffice of the United States Trustee, Long Island Federal Courthouse, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, NY XXXX -- -- -- -- -- From : XXXX XXXX XXXX   XXXX Date : Thu, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX   XXXX Date : Thu, XX/XX/2018 at XXXXXXXX XXXX To : XXXX Please contact us on this same email as this is the Email Recovery Department of XXXX XXXX XXXX. \n\n\nDo update us with your intention that you want to resolve this case or you want to dispute -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX Let us know are you willing to resolve this case outside of the court house or not so that we can proceed further and update your case file. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX Do update us with your intention that you want to resolve this case or you want to dispute. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX Good Morning, Neither of these 2 payments options are financially feasible for me at this time ... A payment plan of twice a month at {$50.00} is currently what I can financially afford to pay until this dept is settled ... I am currently in garnishment with my student loans and that is where over 50 % of my paycheck is going and has been for the past 2 years now. With that and paying bills, I don't have the finances to do extra and some of my current bills. If this plan can not be done, I understand and will have to seek other options .... \nThank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX  To : XXXX A review was done on your file with the account section and we have decided that you can also pay the amount in 12 equal installments of {$50.00} Biweekly starting from today so that we can hold your case file else it will be forwarded. But as per the company policy we can not take such small payments through Debit/Credit cards, As we have a tie up with the company so you can pay this through XXXX XXXX. \n\n\n\nAnd a full & final payment receipt will be provided to you as per your records. \n\nTherefore, do update us ASAP so that we can work well on your file. \n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX  To : XXXX We are waiting for your response. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX I have never heard of such or done any payment plan through XXXX .... Any payment/installment that I have ever done OFFICIALLY with a company/Bank/Creditor/Collector has always gone through an Official Office/Branch that has given me a receipt of payment each and every time a payment was taken or made. I need some clarification on this process because this does NOT sound Official at all with the response you just emailed me .... I am currently at work, but would like some official Documentation/contract sent to me via email with the layout of the payment plan/installment before I agree to this ... I am not saying this if fraudulent, but I have never cleared a debt in this manner. I am going off my history with clearing debts and debts of all kinds ... \nThank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! \n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2018 at XXXX XXXX  To : XXXX You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\nFailure to attend may result in a warrant being issued for your arrest. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX We have sent you several emails regarding this debt but you are not taking this matter seriously, we have to forward all these collection emails and download this case file as you have not updated your clear intention and ignoring this serious matter. \n\n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX XXXX XXXX XXXX Good Morning Again, I have asked for an explanation on why money has to be sent on an XXXX Card, and that has yet to be explained to me. In past debt collections, I have NEVER been asked to submit funds on any kind of app card or such. I have always setup a payment plan with a signed contract for the data if when funds would be withdrawn and a timeline of the initial payment to the final payoff date. This is all I'm asking for because I don't want to be scammed or send funds to a fraudulent account/Department/group and the debt is not cleared. Clarification and Security is all I'm asking for please and Thank You! \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX  XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX We take small payment via XXXX card only as we have tie up with the company regarding debt settlement cases. They allow us adjust your payment dates and amount according to the case.If you pay us with your Credit/Debit Card, you have to make a minimum payment of {$1400.00} in order to close this case file of yours. \n\n\nA Debt Closure Certificate will be provided to you once we will get payment confirmation from our Accounts Department. \n\n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX  To : XXXX Let us know about your final intention whether you are going to make payment or not so we will update in your case file accordingly and start legal consequences against you.\n\nGet back to us ASAP to discuss about it, We will be happy to assist you further. \n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Wed, XX/XX/2018 at XXXX XXXX To : XXXX Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you. \n\n\n\nDo revert us back ASAP. \n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX  XXXX Date : Wed, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX Date : Fri XXXX XX/XX/2018 at XXXX XXXX To : XXXX XXXX XXXX XXXX Good Morning, Yes I am willing to resolve this matter outside of court. Please send me Directions on what I need to do on my end to start the process of repayment ... \nThank You! \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! \n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXXXXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX   XXXX Date : Fri, XX/XX/2018 at XXXXXXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX   XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. \n\n\nWe still trust court actions will not be necessary and look forward to receiving payment by return. \n\n\n\n\n-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX  XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX Mail Delivery Subsystem XX/XX/2018, XXXXXXXX XXXX Message not delivered Your message couldn't be delivered to XXXX because the remote server is misconfigured. See technical details XXXX XXXX XX/XX/2018, XXXX XXXX Greetings XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Failure to attend may result in a warrant being issued for your arrest. Legal costs and interest may be adde Mail Delivery Subsystem XX/XX/2018, XXXX XXXX Message not delivered Your message couldn't be delivered to XXXX because the remote server is misconfigured. See technical de XXXX XXXX XXXX XXXX Fri, XX/XX/2018, XXXX XXXX to me Court proceedings will be issued within 72 hours from the date of this letter if the account has not been settled. You will be prosecuted for Following Allegations ; Bank Fraud Violation of Federal Law of Debt and Banking Intentional Theft by Deception There will be no further warnings made for demands of payment. Court proceedings can include the additional expense of legal costs and interest being added to the balance of this account. It is regrettable that it has come to this point and court action is still avoidable if immediate and full settlement of this account is made. \n\n\nXXXX XXXX XXXX XXXX Wed, XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are really willing to resolve this case outside the court without any legal actions. \n\n\nXXXX XXXX XXXX XXXX Mon, XX/XX/2018, XXXX AM to me This email is reminder about the payment that you had promised to pay but we have not yet received your payment after so many reminders, so under IC3 ( Internet Crime Complaint Center ) we are considering it as a flat refusal from your side and we have to press charges against you. \n\n\n\nIf you are still interested in resolving this issue pay us immediately else you will be legally prosecuted within a couple of days. \n\n\n\n\nNOTE : Your Social Security Number has been marked as Red Flag by US Government XXXX XXXX XXXX XXXX Mon, XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are willing to resolve the case outside the court so we can send you the payment instructions. \n\n\n\nThank You. \n\n\nXXXX XXXX XXXX XXXX Tue, XX/XX/2018, XXXXXXXX XXXX to me You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you. \n\n\n\nFailure to attend may result in a warrant being issued for your arrest. \n\nXXXX XXXX XXXX XXXX Tue, XX/XX/2018, XXXX XXXX to me Do revert with your clear intentions so that we can proceed accordingly. \n\nXXXX XXXX XXXX XXXX Tue, XX/XX/2018, XXXX XXXX to me We would advise to treat this matter with urgency and we believe you will not ignore","date_sent_to_company":"2019-04-19T16:32:00.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"77014","tags":null,"has_narrative":true,"complaint_id":"3214951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","date_received":"2019-04-17T17:13:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened to arrest you or take you to jail if you do not pay"},"highlight":{"complaint_what_happened":["Legal costs and interest may be adde Mail Delivery Subsystem XX/XX/2018, XXXX XXXX <em>Message</em> not delivered Your <em>message</em> couldn't be delivered to XXXX because the remote server is misconfigured. See technical de XXXX XXXX XXXX XXXX Fri, XX/XX/2018, XXXX XXXX to me Court proceedings will be issued within 72 hours from the date of this letter if the account has not been settled."]},"sort":[3.2409403,"3214951"]},{"_index":"complaint-public-v1","_id":"6105428","_score":2.752361,"_source":{"product":"Checking or savings account","complaint_what_happened":"my name is XXXX XXXX , I reached out to Wells FargoGood Morning this XXXX XXXX sending my written statement request for the 10 th time inquiring about my case XXXX in regards to the mishandling of my bank funds and in regards to the numerous complaints and concerns I have made in regards to mishandling my two Wells Fargo checking accounts my Wells Fargo everyday checking account ending in XXXX and my Wells Fargo prime checking account ending in XXXX on XX/XX/2022 I requested some assistance with my account not being correct according to my Wells Fargo everyday checking account and my Wells Fargo prime checking account XX/XX/20XXXXXX/XX/XXXXa large sum of my money was missing from both accounts after sending numerous emails with this concern with my XXXX statements confirming the large sums of money being missed I also addressed this big concern with my local Wells Fargo branch and spoke with the branch manager XXXX XXXX  who also observed the missing money the branch manager went through each transaction that was on each one of my bank statements and the large sums of money was still missing the Wells Fargo branch manager advised me to submit claims so that Wells Fargo can show accountability for the missing money assuming that that once recognized by Wells Fargo claims Dept the funds would be replaced because Wells Fargo has to honor there bank statements once I did what my Wells Fargo local branch manager advised  and after I had in writing requesting accountability for my missing money from Wells Fargo based on my Wells Fargo bank statements I received five different explanations none corresponding with the bank statements or transaction history three of these written responses sent via secure email all fasted on the same date XX/XX/202230 days after my numerous request taking the assigned Wells Fargo executive office case specialist by the name of XXXX XXXX there was no last name no contact email for her or phone number which is supposed to be my Wells Fargo executive office case specialist from the Wells Fargo executive enterprise complaints management office took not even 10 mins to research and investigate my major concerns the letters were dated XX/XX/2022 time was from XXXX XXXX  until XXXX XXXX after hours not even ten minutes like this large sum of money that I received from a settlement was missing causing me to get evicted from my home loose my vehicles get my power lights cut off water cut off forcing me and my children and grandchildren to stay at a homeless shelter until a friend of mine let us stay with him until I get this worked out plans on me purchasing my first home erased no money for healthcare no money for my XXXX XXXX XXXX  my XXXX XXXX XXXX is heritary ranging from bottom number XXXX  top number XXXX  without my medication which I am in two XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX my family is pitching in to purchase this medication I cant get any government assistance because according to my Wells Fargo checking accounts I have a lot of money in these accounts I cannot prove to these agencies that I dont have these funds because Wells Fargo bank statements is soiled I cannot trump bank statements leaving me at the mercy of Wells Fargo so the mercy I get is flagged as fraud and suspicious debit cards deactivated and online banking blocked this happened when I started inquiring about my missing money and submitting claims which would force an investigation to see where this missing money is at this present time lost and prevention fraud Dept has a block on both my Wells Fargo checking account my Wells Fargo checking everyday account and my Wells Fargo checking prime account since XX/XX/2022I had no means of making any Wells Fargo transactions my accounts were blocked online banking blocked debit cards deactivated and block I was in shocked I never received a letter email phone call from Wells Fargo fraud department lost and prevention advising me of this action o have asked still no explanation I have a clean criminal record I have a security clearance from the United States Dept of defense assigning me a cage number yo verify that my small XXXX XXXX  is sba certified and I can bid and perform government contracts I have been approved for a ppp loan and received forgiveness because I did everything I was suppose to with my ppp funds in order for the forgiveness I had to pass the invoice check meaning the small business administration a government agency performed the research to qualify and approve me for the forgiveness on XX/XX/2022 through XX/XX/2022 I was approved by Wells Fargo claim department after there investigation and successfully was approved for my claims that is the only record I have on file with Wells Fargo no suspicious actions no fraudulent actions my Wells Fargo everyday checking account states that on the date of XX/XX/2022 and XX/XX/2022 returned payments were sent back to the account by the merchant XXXX  also known as XXXX XXXX XXXX well I reached out to Wells Fargo no only requesting but paying for five stop payments for XXXX XXXX XXXX do yo unauthorized payments these stop payment request were made on XX/XX/2022 throughXX/XX/2022 two days before the unauthorized transactions were successfully made I advised Wells Fargo not to pay this merchant because I did authorize any current payments or future payments I did this on XX/XX/2022 Wells Fargo continued to pay this merchant unauthorized payments through the month of XXXX XXXX and XX/XX/2022 in the sum of XXXX  I have attached the proof of the stop stop payment request paying this merchant after Wells Fargo approved two claims for me on behalf of this merchant due to unauthorized transaction that is crazy however after I started requesting investigation of my missing money Wells Fargo denied a claim on XX/XX/2022 for this merchant stating they did not think the transaction was unauthorized well how do Wells Fargo explain approving the same claim a month earlier for the same merchant for the same reason unauthorized transaction how can you approve and then deny same merchant same reason with five stop payment request on file 30 days before this transactions were requesting Wells Fargo not to pay this merchant I did everything right I submitted these stop payment requests 30 days before these transactions Wells Fargo still keep paying the payments didnt stop not even after I closed the account withXX/XX/XXXXXXXX XXXX XXXX and removed all banking information it didnt stop until the block was put on both of my Wells Fargo checking accounts everyday checking account and prime checking account this is my final request i XXXX XXXX am requesting in writing the reason why my accounts are handled by Wells Fargo fraud lost and prevention Dept the large amount of claims I submitted was on behalf of my money not Wells Fargo this was not a Wells Fargo credit card or I had a negative bank account these claims were on behalf of my money that was deposited into both of my Wells Fargo checking accounts everyday checking account and prime checking account and I want in writing the answer to where is the rest of my money I had large sums of funds deposited into both of my Wells Fargo checking accounts everyday checking account and prime checking account I have received numerous different explanations from the Wells Fargo executive office the case specialist XXXX XXXX  spent not even 10 mins on my case at XXXX XXXX  is that what Wells Fargo thinks of there customers especially customers that accounts are over XXXX dollars this is the treatment I get for trusting Wells Fargo with my settlement money..and then what makes it worse iam being treated like a criminal for no reason because I want Wells Fargo to take accountability for my money last I checked that what a bank financial institution does I had know idea that Wells Fargo did this to there members after this incident happened to me I found out that Wells Fargo has numerous class action law suits from there members and Wells Fargo publically admitted that they stole over XXXX XXXX dollars from there members lord if I knew this I would have never trusted Wells Fargo with one cent of my money I cant believe that Wells Fargo bank is still running if any other companies did these actions criminal charges would be brought up Wells Fargo operates like a XXXX skems  if iam spelling it right rather I get a written response from Wells Fargo iam reporting Wells Fargo s actions toward me to the federal trade commission and any other government agency I can report this act of crime Wells Fargo stole my money if I can I would press criminal charges against Wells Fargo I XXXX sure am going to try I compared Wells Fargo to XXXX skeam  because once the skeam is made aware of then the company cuts all ties with the person or company stop communication and disappears well sounds exactly what Wells Fargo done to me I havent received any more bank statements since my XXXX  bank statement the Wells Fargo customer service reps no longer have access to my XXXX XXXX bank statements nor my XX/XX/2022 bank statements which should not be any on the fact that as of XX/XX/2022 both bank accounts were blocked all debit cards were deactivated online banking was blocked so I had know why to make transactions if I wanted to like I said Wells Fargo needs to be in prison like any other conspiracy company the ceo of Wells Fargo who continue to steal money and not hold accountability for Wells Fargos members but have no problem paying for cheap labor in the XXXX  with employees not from the United States and have no clue of the United States laws and the United States of America federal trade commission policy and guidelines the protection that the United States of America provides for there citizens meaning they will tolerate a major financial corporation taking advantage of a hard working American citizen like me this money was for my tuition for XXXX XXXX iam sch to take the LSAT XX/XX/2022 I have been devastated to know that my life long dream of becoming an XXXX my never come true if I do not have the money for spring semester all my efforts and hard work to go back to XXXX as a drop out receiving first my high school diploma then going to XXXX XXXX XXXX XXXX as a pXXXX XXXX XXXX holding a XXXX of XXXX  doing this as a single mother with XXXX XXXXhildren having them all before my 21st birthday showing everyone that I can do anything and because I was teen mom didnt stop nothing showing my children that they were not a mistake but my motivation and then getting accepted to XXXX XXXX doing all this as a young XXXX XXXX female just giving Wells Fargo my background the same person that Wells Fargo currently flagged with there fraud department lost and prevention sorry to bust your bubble but this one is not a criminal or a scammer so for the final and last time i XXXX XXXX on this date XX/XX/2022 is requesting from Wells Fargo executive office and my Wells Fargo executive case specialist XXXX XXXX to please provide me in writing where my XXXX  dollars went to from my Wells Fargo everyday checking account and my XXXX in my Wells Fargo prime checking account my XXXX wire transfer done on XX/XX/2022by my attorneys bank XXXX XXXX XXXX and where is my XXXX dollars that was put into my prime checking Wells Fargo account on XX/XX/2022 all this is proven and documented on my Wells Fargo checking account statements for the month ofXX/XX/2022for the everyday checking account and the prime checking account this money is all shown on the bank statements once again XXXX XXXX on is date XX/XX/2022 time XXXX not XXXX  the reference number for my stop payment request made by me XXXX XXXX for merchant XXXX car card XXXX XXXX XXXX which is a credit card company transaction date XX/XX/2022 stop payment request reference number for this merchant is XXXX ref# second stop payment request for this merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX if you notice on my statements the transaction stated XXXX retry payment meaning they keep retrying for this unauthorized payment and without my permission Wells Fargo paid this merchant after my XXXX XXXX  paid XXXX dollars for 5 stop payment request due to unauthorized transactions I have attached my last bank statements screen shot of the stop payment request confirmation emails I also screenshot the transactions iam questioning about and demanding Wells Fargo bank to take accountability financially for there bank statements iam requesting that Wells Fargo bank honor there bank statements these are Wells Fargo bank statements by Wells Fargo Bank not acknowledging there bank statements sent to me through email also attached to my Wells Fargo online banking and also mailed to me as well as sent to my email via secure email by my login which Wells Fargo bank has deleted all communication to me from them via secure email however I saved every last one of them why would Wells Fargo delete all communication electronically to me why that is what criminals do and that is a action of guilt covering up any documented proof like a thief I have also attached the United States federal trade commission government agency so one of their officers can see one of my many written request after this email is sent iam reaching out to the federal trade commission and turning all of my saved documents proving my complaint and concerns asking them for assistance in getting my money back from Wells Fargo Bank next you guys will have to answer to one of them this has to stop Wells Fargo bank needs to be shut down and the ceo put in federal prison for robbing his or her own banks without a XXXX this is nothing but the actions of a common thief unlike Wells Fargo defamation of my name by flagging my checking accounts as fraud and suspicious without reason I have the proof to show that Wells Fargo stole my money starting with there own bank statements I would have reached out to my assigned Wells Fargo executive case specialist XXXX XXXX  but she never left and forms or methods for me to communicate with her other then this email and this XXXX XXXX XXXX number and if she would have took longer then 6 mins at XXXX she could have investigated this properly my contact number is XXXX XXXX XXXX  on XXXX  the XXXX XXXX XXXX XXXX from the Wells Fargo executive office sent me these messages and only my Wells Fargo prime checking acc XXXX  XXXX XXXX bank statement she altered the XXXX prime bank statement it has the same transactions as the XXXX  prime checking acc statement , and yet to send me my Wells Fargo everyday checking acc XX/XX/2022bank statement I have attached proof of the altered documents that is criminal , I want to know where is all of my deposit money in these acts prime and everyday Wells Fargo accts , and why are they holding my money and performing criminal acts to hide the fact that they stole my money , why was I flagged after I submitted claims to investigate or track my funds that was deposited into these Wells Fargo accts, why have I had four case specialists and know one has answered these questions and why are they changing my statements , by using previous transactions from previous statements , why isXX/XX/2022 transactions from the prime checking acc on the prime checking acc XX/XX/2022 bank statements what Wells Fargo is doing is criminal if any other citizen committed these cats they would be in jail why have you only sent my Wells Fargo everyday checking acc XXXX  statement XXXX and Wells Fargo prime XXXX XXXX  statement and Wells Fargo prime XXXX  XXXX statement and XXXX XXXX bank statements for the prime and everyday but you refuse to send me Wells Fargo everyday XXXX XXXXXXXX statements why are you blaming XXXX XXXX I ahve also attached XXXX XXXX  XXXX and XXXX  and XXXX  statements for XXXX transaction on prime XXXXXXXX XXXX statement XXXX XXXXh  transaction date XX/XX/22 is also on XX/XX/XXXX XXXX prime statement date XX/XX/2022 I want all transactions looked over from a federal trade commission officer on these statements please I do not trust Wells Fargo and I want criminal charges brought against XXXX XXXX  for performing illegal acts another question wells fargo fraud team deactivated and took control of these accts on XX/XX/XXXX blocking all access from me to make any and all kinds of transaction when I went into the branch on XX/XX/2022 the branch manager had to call the fraud dept in order to do anything so how could I have completed any transactions fraud dept is still over these accts I had to close acc dates , please provide proof of  XXXX atm transactions , how can I do online transfers without having access to online banking , and where are all of the online transfers dated from XX/XX/2022 through XX/XX/2022 from prime checking acc to everyday acc where is the only , you refuse to send me everyday checking acct statement forXX/XX/2022  and once again why did Wells Fargo case rep XXXX  alter bank statements and put duplicate transaction onXX/XX/2022prime checking acct bank statement  why , why was this done in XX/XX/2022 why did it take until XX/XX/2022 fro me to receive aug prime checking acct bank statements for XX/XX/2022 why was XX/XX/2022bak statements for prime and everyday checking acct sent to me before XX/XX/2022 bank statements and why do Wells Fargo customer service do have access to XX/XX/2022and XX/XX/2022 prime and everyday checking acc statements , why are you guys holding refunds sent from XXXX XXXX  and XXXX XXXX in closed acts why , why are you covering up the fact that you mishandled my money that was deposited by my atty by flagging me as fraud and suspicious what this reasoning all claims were for money I deposited into these Wells Fargo acts these was not a credit line or funds on a neg balance , all claims were in regards to my money and why was all claims submitted on XX/XX/2022 resolved on XX/XX/2022which was a weekend without proper investigation why did I receive three different letters about the resolution I have attached pictures of those letters and why was I charged over draft fees for an act that I had know access to use debit cards because you deactivated the debit cards and why did you continue to pay the merchant unauthorized funds merchant XXXXXXXX XXXX XXXX XXXX in the total amount of XX/XX/XXXX dollars after I submitted and paid for five stop payments processed on XX/XX/2022 through XX/XX/102022 and still paid this merchant all the way up toXX/XX/2022after approving two claims on my behalf for unauthorized transaction and then denied a claim after I was asking about missing funds , you guys denied a claim for XXXXXXXX XXXX this merchant for the same reason unauthorized transaction after having five stop payments on file for this merchant and two approved claims yet still you paid this merchant XXXX XXXXhree weeks after knowing this information that five stop payments and two approved claims supporting that any request funds from this merchant is unauthorized why did you pay them , and then deny my claim , you had know reason to pay this merchant which five stop payments on file and two approved claims for unauthorized transaction three weeks prior to you paying this merchant XXXX  the largest amount you have ever paid them this supports that fact that you do not investigate claims you make a descion with out merit , I have attached proof of that , reference number for the first stop payment request for XXXX XXXX XXXXXXXX XXXX  date XX/XX/2022 XXXX  I have also attached proof for that as well as the statement showing XX/XX/2022through XX/XX/2022 showing the stop payments charge on XX/XX/2022 everyday checking acct statement with these transactions it also shows XXXX retry payment proving authorized payments don't keep retrying for payments , I have also submitted proof that the first case specialist XXXX resolved my complaint in one day less then 10 mins , taking her every bit of 6 mins at XXXX to investigate and resolve my missing money problem","date_sent_to_company":"2022-10-19T19:13:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"270XX","tags":null,"has_narrative":true,"complaint_id":"6105428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-10-19T17:27:08.000Z","state":"NC","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":["from Wells Fargo fraud department lost and prevention advising me of this action o have asked still no explanation I have a clean criminal record I have a <em>security</em> clearance from the United States Dept of defense assigning me a cage number yo verify that my small XXXX XXXX  is sba certified and I can bid and perform government contracts I have been approved for a ppp loan and received forgiveness because I did everything I was suppose to with my ppp funds in order for the forgiveness I had to pass"]},"sort":[2.752361,"6105428"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":20,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":20}]}},"product":{"doc_count":20,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan debt","doc_count":4},{"key":"Other debt","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"I do not know","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":4}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1}]}}]}},"issue":{"doc_count":20,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Getting a loan or lease","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit denial","doc_count":3},{"key":"Problem with signing the paperwork","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":1},{"key":"Threatened or suggested your credit would be damaged","doc_count":1},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1},{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"False statements or representation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1},{"key":"Indicated you were committing crime by not paying debt","doc_count":1},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":1}]}},{"key":"Managing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":1},{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was paid","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":1}]}},{"key":"Trouble using the card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble using the card to spend money in a store or online","doc_count":1}]}}]}},"timely":{"doc_count":20,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":19},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":20,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":19},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":20,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":20}]}},"company":{"doc_count":20,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CURO Intermediate Holdings","doc_count":3},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":2},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"CITIBANK, N.A.","doc_count":1},{"key":"CNG FINANCIAL CORPORATION","doc_count":1},{"key":"Cordoza & Wexler Recovery Services","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":1},{"key":"Global Lending Services LLC","doc_count":1},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"U.S. BANCORP","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1},{"key":"WSFS FINANCIAL CORPORATION","doc_count":1}]}},"state":{"doc_count":20,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":5},{"key":"GA","doc_count":5},{"key":"TX","doc_count":2},{"key":"CO","doc_count":1},{"key":"DE","doc_count":1},{"key":"FL","doc_count":1},{"key":"IL","doc_count":1},{"key":"MD","doc_count":1},{"key":"NC","doc_count":1},{"key":"OH","doc_count":1},{"key":"VA","doc_count":1}]}},"company_public_response":{"doc_count":20,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":6},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":20,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":3},{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}